JP2020187627A - Provision system of transfer service with advertisement, advertisement display method and program - Google Patents

Abstract

To achieve a higher advertising effect.SOLUTION: A provision system of a transfer service with an advertisement includes: a storage part configured to store information on a payer receiving a publication request from an advertiser from among payers having approved of an advertisement to be published at an inquiry of a transfer destination account and information on a payee having approved of an advertisement to be displayed at an inquiry of his/her own account; and an inquiry processing part configured to display an advertisement of the advertiser having requested the advertisement publication to the payer when the payee makes an inquiry on the account, after a completion of a transfer to the account of the payee having approved of the advertisement to be displayed by the payer receiving the publication request, before responding to the inquiry of the account.SELECTED DRAWING: Figure 1

Description

This disclosure relates to a transfer service providing system with advertisement, an advertisement display method, and a program.

Traditionally, advertisements for products and services have been carried out using various media. Examples of advertising methods include placing advertisements in newspapers and magazines, mailing direct mails with advertisements, broadcasting TV commercials, displaying advertising content on homepages, and video sites on the Internet. There is a way to display an advertisement page in. Further, when a user makes a bank transfer using an ATM (Automated Teller Machine), a method of displaying an advertisement to a user waiting for the transfer process has also been proposed (see Patent Document 1).

Japanese Unexamined Patent Publication No. 2003-228309

As mentioned above, advertisements have been carried out by various methods these days, but with the advertising methods using mass media and the Internet, the target audience is unspecified, and it may not be possible to obtain an advertising effect commensurate with the posting cost. Not a few. As for the method of displaying an advertisement on an ATM, since an unspecified number of people use the ATM, the same problem may occur when advertising a general product or service.

On the other hand, direct mail allows you to specify the destination, so you can narrow down the target audience to some extent. However, direct mail costs a lot of money to print and mail. In addition, it is not uncommon for the recipient of a direct mail to discard the direct mail without seeing the contents. Furthermore, it is difficult for the sender of direct mail to confirm whether or not the recipient has seen the content, and it is often the case that the advertising effect is not commensurate with the large amount of money spent.

In view of the above problems, according to one aspect of the present disclosure, the purpose of the present disclosure is to provide a transfer service providing system with an advertisement, an advertisement display method, and a program capable of obtaining a higher advertising effect. There is.

According to the first aspect of the present disclosure, the information of the payer who has received the advertisement request from the advertiser among the payers who have permitted the advertisement to be placed at the time of inquiring the transfer account and the own account are inquired. The information of the recipient who permitted the display of the advertisement at the time, the storage part where the information is stored, and the payer who received the posting request make a transfer to the account of the recipient who permitted the display of the advertisement. An advertisement-based transfer service that has an inquiry processing unit that displays the advertisement of the advertiser who requested the payer to place an advertisement before responding to the inquiry of the account when the recipient inquires about the account after being inquired. The serving system is provided.

In addition, according to the second aspect of the present disclosure, the information of the payer who has received the advertisement request from the advertiser among the payers who have permitted the advertisement to be posted at the time of inquiring the transfer destination account and his / her own account The payer who obtained the information of the recipient who allowed the advertisement to be displayed when making an inquiry and received the posting request made a transfer to the account of the recipient who allowed the advertisement to be displayed. Later, when the beneficiary inquires about the account, the computer executes the process of displaying the advertisement of the advertiser who requested the payer to place the advertisement before responding to the inquiry of the account. To.

In addition, according to the third aspect of the present disclosure, the information of the payer who has received the advertisement request from the advertiser among the payers who have permitted the advertisement to be posted at the time of inquiring the transfer destination account and his / her own account The information of the recipient who allowed the advertisement to be displayed when making an inquiry and the payer who received the posting request made a transfer to the account of the recipient who allowed the advertisement to be displayed. Later, when the recipient inquires about the account, the program and the program that causes the computer to execute the process of displaying the advertisement of the advertiser who requested the payer to place the advertisement before responding to the inquiry of the account are stored. A non-transitory computer-readable storage medium may be provided.

According to the present disclosure, a higher advertising effect can be obtained.

It is explanatory drawing for demonstrating the transfer service with advertisement which concerns on this Embodiment, and the system which provides this. It is a block diagram for demonstrating the hardware of the computer which can provide the function of the banking system which concerns on this embodiment. It is a block diagram for demonstrating the function of the banking system which concerns on this embodiment. It is a chart for demonstrating the structure of the account DB and the stored data. It is a chart for demonstrating the structure of the transfer history DB and the stored data. It is a chart for demonstrating the structure of the payer DB and the stored data. It is a chart for demonstrating the structure of the recipient DB and the stored data. It is a chart for demonstrating the structure of the advertisement DB and the stored data. It is a chart for demonstrating the structure of the contract / performance DB and the stored data. It is a block diagram for demonstrating the function of the payer terminal which concerns on this embodiment. It is a block diagram for demonstrating the function of the recipient terminal which concerns on this Embodiment. It is a sequence diagram for demonstrating the process which concerns on the conclusion of the advertisement publication contract which concerns on this Embodiment. It is a sequence diagram for demonstrating the process which concerns on the conclusion of the advertisement viewing contract which concerns on this Embodiment. It is a flow chart for demonstrating the process at the time of transfer in the transfer service with advertisement which concerns on this embodiment. It is a flow chart for demonstrating the process at the time of account inquiry in the transfer service with advertisement which concerns on this embodiment. It is a flow chart for demonstrating the process of the reward calculation in the transfer service with advertisement which concerns on this embodiment. It is a sequence diagram for demonstrating the process which concerns on the conclusion of the advertisement publication contract which concerns on one modification of this Embodiment. It is explanatory drawing for demonstrating the disclosure information displayed on an advertiser terminal and the display method thereof at the time of concluding an advertisement publication contract which concerns on one modification of this Embodiment.

An embodiment of the present disclosure (hereinafter referred to as the present embodiment) will be described below with reference to the accompanying drawings. In the present specification and drawings, elements having substantially the same function may be designated by the same reference numerals to omit duplicate description.

<1. Embodiment>
In this embodiment, we propose a system that provides a transfer service with advertisement. This system provides a mechanism for displaying an advertisement to another person when another person inquires about the account after a user makes a transfer to another person's account. In the following, for convenience of explanation, the person who makes the transfer will be referred to as the "payer" and the holder of the transfer account will be referred to as the "recipient".

[1-1. system]
The transfer service with advertisement and the system for providing the transfer service according to the present embodiment will be described with reference to FIG. FIG. 1 is an explanatory diagram for explaining a transfer service with an advertisement and a system for providing the transfer service according to the present embodiment.

FIG. 1 shows a banking system 10 as an example of a system that provides a transfer service with an advertisement according to the present embodiment. The banking system 10 is a system managed by a bank and can execute at least a process related to a transfer and a process related to an account inquiry. As shown in FIG. 1, in this example, the banking system 10 may be connected to the payer terminal 20, the payee terminal 30, and the advertiser terminal 40.

The payer terminal 20 is a terminal device used by the payer 20a. The recipient terminal 30 is a terminal device used by the recipient 30a. The advertiser terminal 40 is a terminal device used by the advertiser 40a. The payer terminal 20, the payee terminal 30, and the advertiser terminal 40 may be any computer that can access the banking system 10 via a network, and may be, for example, a PC (Personal Computer), a smartphone, a tablet terminal, a mobile phone, or the like. It may be a dedicated terminal that can be used in a bank store, an ATM, or the like.

For example, the payer 20a uses a computer as described above as the payer terminal 20, and uses an application program (hereinafter referred to as an application) for bank transactions or a web browser installed in the computer to enter the bank system 10. Can be accessed. Similarly, the payee 30a can use the above-mentioned computer as the payee terminal 30 and access the banking system 10 by using the banking application or the web browser installed in the computer. ..

For example, the advertiser 40a uses a computer as described above as the advertiser terminal 40, and uses an application for bank transactions, an application for a transfer service with advertisement, or a web browser installed in the computer to make a bank. You can access system 10. When the ATM can be used as the payer terminal 20, the payee terminal 30, or the advertiser terminal 40, some of the functions of the payer terminal 20, the payee terminal 30, and the advertiser terminal 40, which will be described later. Only may be provided by the ATM.

Here, an outline of the functions of the system will be described with reference to the example of FIG.

In the example of FIG. 1, the payer 20a makes a transfer to the account of the payee 30a via the payer terminal 20. The banking system 10 that receives the transfer request executes the transfer to the account of the recipient 30a. After executing the transfer by the payer 20a, the payee 30a makes an account inquiry via the payee terminal 30. The bank system 10 that has received the request for the account inquiry displays the advertisement on the recipient terminal 30, and displays the account information on the recipient terminal 30 after the viewing of the advertisement by the recipient 30a is completed.

The advertisement displayed on the payee terminal 30 is an advertisement of the advertiser 40a who has concluded an advertisement placement contract with the payer 20a. That is, when the payer 20a who has concluded the advertisement placement contract with the advertiser 40a makes the transfer, the advertisement of the advertiser 40a is displayed at the time of the account inquiry of the transfer destination account. The advertisement may be displayed only when the recipient 30a permits the display. That is, the advertisement may be displayed on the recipient 30a only when the recipient 30a has an advertisement viewing contract that permits the display of the advertisement.

The mechanism for concluding the advertisement placement contract may be provided by the banking system 10. In the example of FIG. 1, the bank system 10 discloses the list of payers who have received the disclosure permission and the information of each payer (hereinafter, disclosure information) to the advertiser 40a, and the advertiser 40a selects with reference to the disclosure information. When the bank system 10 receives the posting request to the payer (payer 20a in this example), the advertisement posting contract between the selected advertiser 40a and the payer 20a is established.

As described above, when the advertiser 40a and the payer 20a conclude an advertisement placement contract, the advertisement is displayed to the payee (in this example, the payee 30a) who refers to the payee account of the payer 20a. Will be done. For example, when the payer 20a is a company, the payer 20a makes a salary transfer every month, so that the employee of the company can be the target of the advertisement display. That is, by using the above-mentioned system, the target of the advertisement display can be narrowed down by using the company (payer 20a) as a key.

For example, a company with good performance has a high salary level, and it is presumed that the employee can afford to purchase products. Those who can afford it will be more likely to see advertisements and buy products. Therefore, if the target of advertisement display can be narrowed down to such employees, higher advertising effectiveness can be expected at a lower cost. By using the above system, the advertiser 40a can display his / her own advertisement to the employees of the company by concluding the above-mentioned advertisement placement contract with a company having a good performance, and a high advertising effect can be obtained.

If it is possible to display advertisements that match not only corporate performance but also attributes such as the gender ratio of employees, age group, and industry, higher advertising effectiveness can be obtained. In the above system, the payer of the contract partner can be selected with reference to the disclosure information provided by the banking system 10. Therefore, the advertiser 40a can select a payer suitable for the advertisement content of the advertiser 40a in consideration of the attributes of the payer. As a result, the advertiser 40a can obtain a higher advertising effect at a lower cost than a method such as a conventional advertisement using media or direct mail.

As shown in FIG. 1, the above-mentioned advertisement display reward is paid to both the payer 20a who made the transfer that triggers the advertisement display and the recipient 30a who viewed the advertisement at the time of account inquiry. The reward amount is calculated based on, for example, the number of times the advertisement of the advertiser 40a is viewed. The reward may be transferred to the payer 20a's account and the payee 30a's account, respectively. The reward to the recipient 30a may be given by a method such as awarding valuable points. In addition, the reward to the payer 20a may be given in the form of a reduction in the transfer fee.

Hereinafter, the hardware and functions of the bank system 10, the payer terminal 20, the payee terminal 30, and the advertiser terminal 40 will be described, and further, the processing related to the method of providing the transfer service with advertisement according to the present embodiment will be described. ..

[1-2. hardware]
The hardware of the computer capable of providing the functions of the banking system 10 will be described with reference to FIG. FIG. 2 is a block diagram for explaining computer hardware capable of providing the functions of the banking system according to the present embodiment. The functions of the payer terminal 20, the payee terminal 30, and the advertiser terminal 40 can also be provided by using the hardware shown in FIG. Therefore, detailed description of the hardware of the payer terminal 20, the payee terminal 30, and the advertiser terminal 40 will be omitted.

As shown in FIG. 2, the hardware mainly includes a processor 10a, a memory 10b, a display I / F (Interface) 10c, a communication I / F10d, and a connection I / F10e.

The processor 10a may be a CPU (Central Processing Unit), a DSP (Digital Signal Processor), an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array), or the like. The memory 10b may be, for example, a storage device such as a ROM (Read Only Memory), a RAM (Random Access Memory), an HDD (Hard Disk Drive), an SSD (Solid State Drive), or a flash memory.

The display I / F10c may be an interface for connecting a display device such as an LCD (Liquid Crystal Display) or an ELD (Electro-Luminescence Display). For example, the display I / F10c may be controlled by a GPU (Graphic Processing Unit) mounted on the processor 10a or the display I / F10c.

The communication I / F10d is an interface for connecting to a wired and / or wireless network or a dedicated line. The communication I / F10d can be connected to a wired LAN (Local Area Network), a wireless LAN, an optical communication network, a mobile phone network, or the like.

The connection I / F10e is an interface for connecting an external device. The connection I / F10e may be, for example, a USB (Universal Serial Bus) port, an IEEE1394 port, a SCSI (Small Computer System Interface), or the like. An input interface such as a keyboard, mouse, touch panel, or touch pad may be connected to the connection I / F10e. Further, a portable recording medium 10f that can be read by a computer can be connected to the connection I / F10e. Examples of the portable recording medium 10f include magnetic disks, optical disks, magneto-optical disks, and semiconductor memories.

The processor 10a described above may read a program stored in the portable recording medium 10f and store it in the memory 10b, and control the operation of the banking system 10 according to the program read from the memory 10b. Further, the program for controlling the operation of the banking system 10 may be stored in the memory 10b in advance, or may be downloaded from the network via the communication I / F10d. The same applies to the payer terminal 20, the payee terminal 30, and the advertiser terminal 40.

[1-3. Banking system functions]
Next, the function of the banking system 10 will be described with reference to FIG. FIG. 3 is a block diagram for explaining the function of the banking system according to the present embodiment.

As shown in FIG. 3, the bank system 10 has a storage unit 101, a transfer processing unit 102, an inquiry processing unit 103, a reward calculation unit 104, and an advertising contract receiving unit 105. The function of the storage unit 101 can be realized mainly by using the above-mentioned memory 10b. The functions of the transfer processing unit 102, the inquiry processing unit 103, the reward calculation unit 104, and the advertising contract receiving unit 105 can be realized mainly by using the processor 10a described above.

The storage unit 101 may store an account DB (Database) 111, a transfer history DB 112, a payer DB 113, a payee DB 114, an advertisement DB 115, and a contract / actual DB 116. At least a part of the account DB 111, the transfer history DB 112, the payer DB 113, the payee DB 114, the advertisement DB 115, and the contract / actual DB 116 may be stored in a storage device outside the bank system 10.

The account DB 111 is a database for storing account information managed by the bank system 10. For example, the account DB 111 contains information as shown in FIG. FIG. 4 is a chart for explaining the structure of the account DB and the stored data.

In the example of FIG. 4, the branch office information, the account type information, the account number, the holder information, and the account balance information are included in the account DB 111. In this example, for convenience of explanation, the account information of the holders who have accounts in different branches is collectively stored in the account DB 111, but the account information may be managed in a different DB for each branch. Further, in this example, the account information of different account types is collectively stored in the account DB 111, but the account information may be managed in a different DB for each account type. As described above, the management form of the account information can be appropriately modified depending on the embodiment.

The transfer history DB 112 is a database for managing the history of transfers executed by the banking system 10. For example, the transfer history DB 112 includes information as shown in FIG. FIG. 5 is a chart for explaining the structure of the transfer history DB and the stored data.

In the example of FIG. 5, the transfer execution date, the payer information, the payee information, and the transfer amount are included in the transfer history DB 112. The payer's information includes, for example, information on the branch where the payer's account is located, information on the account type, and account number. Recipient information includes, for example, information about the branch where the recipient's account is located, information about the account type, and account number. In this example, for convenience of explanation, it is assumed that the transfer is executed between the accounts of the same bank, but even if it is modified so that the transfer can be executed between the accounts of other affiliated banks. Good.

The payer DB 113 is a database for managing payer information. Of the information included in the payer DB 113, the information permitted to be disclosed by the payer (the holder of the target account) is disclosed to the advertiser (for example, the advertiser 40a) as the payer's information. For example, the payer DB 113 includes information as shown in FIG. FIG. 6 is a chart for explaining the structure of the payer DB and the stored data.

In the example of FIG. 6, information on the payer's account (branch information, account type information, account number, etc.), information on the payer's attributes (company name, annual sales, industry, etc.), and information on the transfer record (transfer amount). , Number of transfers, etc.), and information regarding permission to place advertisements is included in the payer DB 113. In this example, it is assumed that the payer is a company, but it may be modified so that it can be applied even when the payer is an individual. For example, by changing the company name to the name, the annual sales to the annual income, and the type of business to the occupation, it can be applied to individual payers.

The payer DB 113 includes information (disclosure OK / disclosure NG) indicating whether or not disclosure of the contents of each item is permitted. In this example, for the account of "Akasaka / Current / 234567", the company name is disclosure OK, the annual sales are disclosure NG, the industry is disclosure OK, the total annual amount of the transfer amount is disclosure NG, the monthly average is disclosure OK, the salary is Disclosure NG and the number of transfers are set to disclosure OK. In this case, information such as the company name "○ × Shoji", the type of business "automobile sales business", the monthly average of the transfer amount "50 million yen", and the number of monthly transfers "120" can be disclosed to the advertiser.

The information regarding the permission to place the advertisement is whether or not to allow the advertiser's advertisement to be displayed when the payer makes the transfer and then inquires about the account of the recipient to whom the transfer is made (advertisement placement OK / advertisement). Posting NG) is shown. If the advertisement is OK, the information (disclosure information) of the items set in the disclosure OK is disclosed to the advertiser. In addition, the advertisement of the advertiser for which the advertisement placement contract has been concluded can be displayed to the recipient. In the case of advertisement posting NG, the disclosure information of the payer may not be disclosed to the advertiser.

The recipient DB 114 is a database for managing recipient information. Of the information contained in the recipient DB 114, the information permitted to be disclosed by the recipient (holder of the target account) is disclosed to the advertiser (for example, the advertiser 40a) as the recipient information. For example, the recipient DB 114 contains information as shown in FIG. FIG. 7 is a chart for explaining the structure of the recipient DB and the stored data.

In the example of FIG. 7, information about the recipient's account (branch information, account type information, account number, etc.), recipient's personal information (name, address, occupation, age, gender, annual income, etc.), recipient Information regarding the deposit balance of the advertisement and the permission to view the advertisement is included in the recipient DB 114. In this example, it is assumed that the recipient is an individual, but it may be modified so that it can be applied even when the recipient is a company. For example, by changing the name to the name, the occupation to the type of business, the age to the year of establishment, the annual income to the annual sales, etc., and omitting the gender, it can be applied to the recipients of the company.

The recipient DB 114 includes information (disclosure OK / disclosure NG) indicating whether or not disclosure of the contents of each item is permitted. In this example, for the account of "Ginza / Ordinary / 123456", the name is disclosed NG, the location is disclosed NG, the occupation is disclosed OK, the age is disclosed OK, the gender is disclosed OK, the annual income is disclosed NG, and the deposit balance is disclosed NG. Is set to. In this case, information such as industry "company employee", age "38 years old", and gender "male" can be disclosed to the advertiser.

For information on permission to view advertisements, whether or not to allow the advertiser's advertisement to be displayed when the payer makes a transfer and then inquires about the account of the recipient to whom the payment is made (advertisement viewing OK / advertisement). Browsing NG) is shown. In the case of advertisement viewing OK, the information (disclosure information) of the items set in the disclosure OK is disclosed to the advertiser. In addition, the advertisement of the advertiser who has concluded the advertisement placement contract with the payer who made the transfer is displayed to the recipient. In the case of advertisement viewing NG, the disclosure information of the recipient may not be disclosed to the advertiser.

The advertisement DB 115 is a database for managing the information of the advertiser. For example, the advertisement DB 115 includes information as shown in FIG. FIG. 8 is a chart for explaining the structure of the advertisement DB and the stored data.

In the example of FIG. 8, the advertiser's company name, account information, location, contact information (telephone number, e-mail address, etc.), and advertisement information are included in the advertisement DB 115. Of the information contained in the advertisement DB 115, the company name, location, and contact information are disclosed to the payer who intends to conclude an advertisement placement contract. In addition, the advertiser's company name, location, and contact information may be disclosed to the recipient who intends to conclude an advertisement viewing contract. The advertiser's account information includes information on the advertising fee deduction account (bank name, branch name, account number, etc.).

In the above example, it is assumed that the advertiser is a company, but it may be modified so that it can be applied even when the advertiser is an individual. For example, by changing the company name to a name, it can be applied to individual advertisers.

The advertisement information includes information indicating the advertisement placement time and identification information (data name, identification number, link destination address, etc.) of the advertisement data corresponding to each placement time. In this example, the advertisement data "AD2019_011" whose posting time is set to January-May 2019 (2019 / 1-5) is registered in the advertisement DB 115 as the advertisement information of "○ × ▲ real estate sales". In this case, an advertisement using the advertisement data "AD2019_011" may be displayed at the transfer destination (recipient) of the transfer executed during the period from January 2019 to May 2019.

The contract / performance DB 116 is a database for managing the conclusion status of the advertisement posting contract and the advertisement viewing contract, and the advertisement viewing record. For example, the contract / performance DB 116 includes information as shown in FIG. FIG. 9 is a chart for explaining the structure of the contract / actual DB and the stored data.

In the example of FIG. 9, the information for identifying the advertiser, the information for identifying the payer, the information for identifying the recipient, and the number of views by month are stored in the contract / actual DB 116 in association with each other. There is.

For example, the advertiser's company name may be registered as information for identifying the advertiser, the payer's company name may be registered as information for identifying the payer, and the name may be registered as information for identifying the payee. .. If at least one of the advertiser and the payer is an individual, the name may be registered instead of the company name. If the recipient is a company, the company name can be registered instead of the name. Further, instead of the company name and the name, a preset identification code or identification information such as an account number may be used.

Information of an advertiser who wishes to use the transfer service with an advertisement is registered in the contract / results DB 116. For example, the company name of the advertiser registered in the advertisement DB 115 is registered in the contract / performance DB 116. In addition, when an advertisement placement contract is concluded with an advertiser registered in the contract / performance DB 116, the information of the payer who has concluded the advertisement placement contract is associated with the advertiser and the contract / performance DB 116 To be registered in. Further, when the payer makes a transfer, the information of the payee who is the transfer destination is registered in the contract / actual DB 116 in association with the information of the payer.

In the number of views column included in the contract / performance DB 116, for each combination of the advertiser, the payer, and the payee, after the payer transfers to the payee, the payee However, the total number of times the advertiser's advertisement has been viewed by month is listed.

For example, in the example of FIG. 9, when the payer "○ × Shoji" makes a transfer to the recipient “Sumitomo Hajime” and the recipient makes an account inquiry, the advertiser “○ × ▲ real estate sales” And the advertisement of "△ ▲ △ car sales" is displayed. When the recipient views the advertisement, the number of views in the month corresponding to the time of transfer is added by 1 for each corresponding record in the contract / actual DB116. The number of views in each month is used, for example, to calculate the rewards paid to payers and recipients.

See FIG. 3 again. The transfer processing unit 102 executes the processing of the transfer requested by the payer. For example, the transfer processing unit 102 updates the contents of the account DB 111 so as to reduce the transfer amount from the payer's account balance and increase the payee's account balance. In addition, the transfer processing unit 102 registers the transfer execution date, payer information, recipient information, and transfer amount in the transfer history DB 112 for the executed transfer.

The inquiry processing unit 103 executes the processing of the account inquiry requested by the recipient. For example, when a request for an account inquiry is received from the recipient terminal 30, the inquiry processing unit 103 refers to the account DB 111 and provides the recipient's account information to the recipient terminal 30. However, if there is a transfer to the recipient's account, the inquiry processing unit 103 determines whether the recipient is the target of the advertisement display. When the recipient is the target of the advertisement display, the inquiry processing unit 103 causes the recipient terminal 30 to display the advertisement and provides the account information after the viewing of the advertisement is completed.

For example, the inquiry processing unit 103 refers to the transfer history DB 112 and confirms whether the transfer is executed during the period from the previous account inquiry to the current account inquiry. When the transfer is executed, the inquiry processing unit 103 refers to the contract / actual DB 116 and identifies the record corresponding to the pair of the payer specified from the transfer history DB 112 and the recipient who made the account inquiry. .. If there is no record, the inquiry processing unit 103 determines that the recipient is not the target of the advertisement display, and provides the account information without displaying the advertisement.

On the other hand, when there is the above-mentioned record, the inquiry processing unit 103 refers to the advertisement DB 115 and acquires the advertisement information of each advertiser corresponding to the specified record. Then, the inquiry processing unit 103 acquires the advertisement data of each advertiser based on the acquired advertisement information, and provides the advertisement data to the recipient terminal 30 to display the advertisement. When the recipient terminal 30 notifies the completion of browsing, the inquiry processing unit 103 provides the recipient terminal 30 with the recipient's account information (inquiry result) extracted from the account DB 111. In addition, the inquiry processing unit 103 updates the number of views of the contract / actual DB 116.

The remuneration calculation unit 104 calculates the remuneration amount paid to the payer and the remuneration amount paid to the beneficiary based on the number of views of the contract / actual DB 116. The calculation of the reward amount may be executed at a predetermined timing such as the end of the month or the beginning of the month. For example, at the end of the month, the reward amount for the current month can be calculated based on the number of views in the current month. Also, at the beginning of the current month, the reward amount for the previous month can be calculated based on the number of views of the previous month.

Further, the reward calculation unit 104 refers to the advertisement DB 115 and collects the advertisement fee corresponding to the reward amount paid to the payer and the recipient from the advertiser's account. Then, the reward calculation unit 104 refers to the payer DB 113 and the payee DB 114, and deposits the reward amount into the accounts of the payer and the payee. The payment method of the reward amount is not limited to the payment to the target account. For example, a method of giving valuable points such as electronic money or coupons corresponding to the reward amount, a method of reducing the transfer fee by the amount of the reward amount, or the like may be applied.

The advertisement contract reception unit 105 provides a mechanism for supporting the conclusion of an advertisement placement contract and an advertisement viewing contract.

For example, the advertising contract reception unit 105 provides registration information, company name, annual sales, achievements, publication permission, and disclosure permission for each item to a registration applicant who wishes to register as a payer of a transfer service with advertisement. Provide an input form for entering information. Then, the advertisement contract reception unit 105 registers the input information in the payer DB 113.

In addition, the advertising contract reception unit 105 provides the account information, name, address, occupation, age, gender, annual income, viewing permission, etc. to the registration applicant who wishes to register as a recipient of the transfer service with advertisement. Provide an input form for entering information. Then, the advertisement contract reception unit 105 registers the input information in the recipient DB 114.

In addition, the advertising contract reception unit 105 is an input form for inputting information such as company name, account information, location, and contact information to a registration applicant who wishes to register as an advertiser who uses the transfer service with advertisement. I will provide a. In addition, the advertisement contract reception unit 105 provides a registration form for registering advertisement data and advertisement posting time. Then, the advertisement contract reception unit 105 registers the input information in the advertisement DB 115, and stores the advertisement data provided by the advertiser in the storage unit 101 or an external storage device.

Further, the advertisement contract reception unit 105 discloses the information of disclosure OK among the information registered in the payer DB 113 to the advertiser registered in the advertisement DB 115. When the contractor (payer) of the advertisement placement contract is specified by the advertiser, the advertisement contract reception unit 105 registers a record for associating the designated advertiser with the payer in the contract / actual DB 116.

The advertiser may be able to specify the disclosure destination of the information. For example, at the time of registration in the payer DB 113, the advertisement contract reception unit 105 discloses the advertiser information (company name, location, contact information) registered in the advertisement DB 115 to the registration applicant, and the registration applicant. May specify the advertiser to disclose to. In this case, the advertising contract reception unit 105 provides the payer's disclosure information (disclosure OK information) to the designated advertiser.

In addition, the advertisement contract reception unit 105 discloses the information of disclosure OK among the information registered in the recipient DB 114 to the advertiser registered in the advertisement DB 115. When the contractor (recipient) of the advertisement viewing contract is specified by the advertiser, the advertisement contract reception unit 105 registers a record for associating the designated advertiser with the recipient in the contract / actual DB 116.

It will not be easy to select a recipient who can expect an advertising effect from a huge number of recipients registered in the recipient DB 114. Therefore, the advertisement contract reception unit 105 may disclose to the advertiser only the information of the recipient who has made the transfer in the past by the payer who has concluded the advertisement placement contract with the advertiser. In addition, the advertising contract reception unit 105 may extract the transfer destination (recipient) when the payer made a transfer using the batch transfer in the past and disclose only the information of the recipient to the advertiser. Good.

[1-4. Payer terminal functions]
Next, the function of the payer terminal 20 will be described with reference to FIG. FIG. 10 is a block diagram for explaining the function of the payer terminal according to the present embodiment.

As shown in FIG. 10, the payer terminal 20 has a transfer request unit 201 and a contract management unit 202. The functions of the transfer request unit 201 and the contract management unit 202 can be realized mainly by using the same hardware elements as the processor 10a described above.

The transfer requesting unit 201 accesses the bank system 10 and requests the processing of the transfer. For example, the transfer request unit 201 transmits a transfer request specifying the recipient's account, the transfer amount, and the transfer execution date to the bank system 10.

When making a batch transfer, the transfer requesting unit 201 specifies the batch transfer and requests the bank system 10 to execute the transfer with the transfer destination selected from the pre-registered transfer destinations as the recipient. In addition, when performing a comprehensive transfer that executes a transfer to a plurality of transfer destinations at once based on a data file that specifies a transfer destination, a transfer amount, etc., the transfer request unit 201 uses a data file prepared in advance as a bank system. Send to 10 and request a transfer.

The contract management unit 202 executes a process related to the advertisement placement contract. The contract management unit 202 sends a registration request requesting registration as a payer in the transfer service with advertisement to the bank system 10, and receives an input form for inputting the registration information of the payer from the bank system 10. Then, the contract management unit 202 displays the received input form on the screen and accepts input such as account information, company name, annual sales, and business performance.

In addition, the contract management unit 202 displays a message prompting the advertiser to select information that may be disclosed (information of disclosure OK) from the input information. When the disclosure OK information is selected, the contract management unit 202 transmits the information entered in the input form and the information for identifying the disclosure OK information to the bank system 10. Regarding the information held in advance by the banking system 10, input by the input form may be omitted.

[1-5. Recipient terminal function]
Next, the function of the recipient terminal 30 will be described with reference to FIG. FIG. 11 is a block diagram for explaining the function of the recipient terminal according to the present embodiment.

As shown in FIG. 11, the recipient terminal 30 has an inquiry request unit 301 and a contract management unit 302. The functions of the inquiry request unit 301 and the contract management unit 302 can be realized mainly by using the same hardware elements as the processor 10a described above.

The inquiry requesting unit 301 accesses the bank system 10 and requests the processing of the account inquiry. For example, the inquiry request unit 301 sends an inquiry request specifying the recipient's account to the bank system 10. In addition, the inquiry requesting unit 301 displays the account information transmitted as the inquiry result from the banking system 10 on the screen. Further, when the inquiry request unit 301 receives the advertisement data and the display request of the advertisement from the bank system 10, the inquiry request unit 301 displays the advertisement on the screen and displays the account information on the screen after the viewing of the advertisement is completed.

For example, the inquiry requesting unit 301 displays the content of the advertisement (video, image, audio, text, etc.) on the screen. Then, the inquiry requesting unit 301 determines whether or not the viewing of the advertisement is completed. For example, the inquiry requesting unit 301 may measure the elapsed time from the start of display and determine that the browsing is completed when the elapsed time exceeds the threshold value. Further, the inquiry requesting unit 301 may display an object (for example, a button object or the like) for indicating the intention of completing browsing on the screen, and may determine that browsing is completed when an operation on the object is performed.

When the browsing of the advertisement is completed, the inquiry requesting unit 301 notifies the bank system 10 of the completion of browsing. Then, the inquiry requesting unit 301 displays the account information received from the banking system 10 on the screen. The account information may be transmitted from the bank system 10 to the recipient terminal 30 in response to the notification of the completion of browsing, or may be transmitted to the recipient terminal 30 in advance in response to the inquiry request, and the browsing is completed. It may be displayed on the screen.

The contract management unit 302 executes a process related to the advertisement viewing contract. The contract management unit 302 sends a registration request requesting registration as a recipient in the transfer service with advertisement to the bank system 10, and receives an input form for inputting the registration information of the recipient from the bank system 10. Then, the contract management unit 302 displays the received input form on the screen and accepts input such as account information, name, address, occupation, age, gender, and annual income.

In addition, the contract management unit 302 displays a message prompting the advertiser to select information that may be disclosed (information of disclosure OK) from the input information. When the disclosure OK information is selected, the contract management unit 302 transmits the information entered in the input form and the information for identifying the disclosure OK information to the bank system 10. Regarding the information held in advance by the banking system 10, input by the input form may be omitted.

[1-6. Processing flow]
Next, among the processes executed by the system according to the present embodiment described above, the flow of processes related to the transfer service with advertisement will be described. In the following, we will first explain the processing related to the conclusion of the advertisement placement contract and the advertisement viewing contract, then explain the processing executed by the bank system 10 at the time of transfer and account inquiry regarding the transfer service with advertisement, and finally, the payer. And the process related to the calculation of the amount of compensation paid to the recipient will be described.

(Processing related to the conclusion of an advertising contract)
The process related to the conclusion of the advertisement placement contract will be described with reference to FIG. FIG. 12 is a sequence diagram for explaining a process relating to the conclusion of the advertisement placement contract according to the present embodiment.

(S101) The payer terminal 20 requests the bank system 10 to start the procedure for the advertisement placement contract, and requests the bank system 10 to register as the payer of the transfer service with advertisement.

(S102) The banking system 10 requests the payer terminal 20 to input information to be registered in the payer DB 113. Further, the bank system 10 requests the payer terminal 20 to select information (disclosure item) of disclosure OK from the input information. Regarding the information held in advance by the banking system 10, the input of the information may be omitted.

(S103, S104) The payer terminal 20 accepts information input by the payer 20a, displays a message prompting the payer 20a to select a disclosure item, and accepts the selection of the disclosure item. Then, the payer terminal 20 transmits the input information to the bank system 10 and notifies the bank system 10 of the selected disclosure item.

(S105) The bank system 10 registers the information of the payer 20a received from the payer terminal 20 in the payer DB 113. Further, the bank system 10 sets the disclosure permission / rejection (disclosure OK / disclosure NG) of the information registered in the payer DB 113 based on the disclosure item notified from the payer terminal 20.

(S106) The bank system 10 may list the advertiser information (company name, location, contact information) registered in the advertisement DB 115 and provide it to the payer terminal 20, and disclose the information of disclosure OK. Request the selection of the main (disclosure destination).

(S107, S108) The payer terminal 20 displays the advertiser list received from the bank system 10 on the screen. In addition, the payer terminal 20 displays a message prompting the user to select a disclosure destination, and accepts the selection of the disclosure destination. When the disclosure destination is selected, the payer terminal 20 notifies the bank system 10 of the advertiser selected as the disclosure destination.

(S109) The banking system 10 discloses the information of disclosure OK about the payer 20a to the advertiser notified from the payer terminal 20. For example, when the advertiser notified from the payer terminal 20 is the advertiser 40a, the banking system 10 provides the advertiser terminal 40 with the disclosure information of the payer 20a and decides whether or not to conclude an advertisement placement contract. The inquiry message is sent to the advertiser 40a.

(S110) When the advertiser 40a indicates the intention to conclude an advertisement placement contract with the payer 20a in response to the message transmitted from the banking system 10 in S109, the advertiser terminal 40 requests the advertisement to be placed. To the banking system 10. For example, the advertiser terminal 40 displays a button object for accepting a contract together with a message received from the banking system 10, and when the button object is pressed, sends an advertisement posting request to the banking system 10. ..

(S111) When the banking system 10 receives an advertisement posting request from the advertiser terminal 40, the banking system 10 registers a record associating the payer 20a with the advertiser 40a in the contract / actual DB 116. At this time, the banking system 10 associates the payee registered in the payee DB 114 among the transfer destinations (recipients) of the transfer made by the payer 20a in the past with the payer 20a and contracts / results DB116. You may register in.

(S112, S113) The banking system 10 notifies the payer terminal 20 and the advertiser terminal 40 of the establishment of the advertisement placement contract. When the process of S113 is completed, the series of processes shown in FIG. 12 is completed.

(Processing related to the conclusion of an advertisement viewing contract)
Next, the process related to the conclusion of the advertisement viewing contract will be described with reference to FIG. FIG. 13 is a sequence diagram for explaining a process relating to the conclusion of the advertisement viewing contract according to the present embodiment.

(S121) The payee terminal 30 requests the banking system 10 to start the procedure for the advertisement viewing contract, and requests the bank system 10 to register as the payee of the transfer service with advertisement.

(S122) The banking system 10 requests the recipient terminal 30 to input information to be registered in the recipient DB 114. Further, the banking system 10 requests the recipient terminal 30 to select information (disclosure item) of disclosure OK from the input information. Regarding the information held in advance by the banking system 10, the input of the information may be omitted.

(S123, S124) The recipient terminal 30 accepts the information input by the recipient 30a, displays a message prompting the recipient 30a to select the disclosure item, and accepts the selection of the disclosure item. Then, the payee terminal 30 transmits the input information to the banking system 10 and notifies the banking system 10 of the selected disclosure item.

(S125) The banking system 10 registers the information of the recipient 30a received from the recipient terminal 30 in the recipient DB 114. Further, the bank system 10 sets the disclosure permission / rejection (disclosure OK / disclosure NG) of the information registered in the recipient DB 114 based on the disclosure item notified from the recipient terminal 30.

(S126) The banking system 10 notifies the recipient terminal 30 of the establishment of the advertisement viewing contract. When the process of S126 is completed, the series of processes shown in FIG. 13 is completed.

(Processing at the time of transfer)
Next, among the processes related to the transfer service with advertisement, the process at the time of transfer will be described with reference to FIG. FIG. 14 is a flow chart for explaining a process at the time of transfer in the transfer service with advertisement according to the present embodiment. The process shown in FIG. 14 is mainly executed by the transfer processing unit 102 of the bank system 10.

(S131, S132) The transfer processing unit 102 receives a transfer request from the payer. Then, the transfer processing unit 102 executes the transfer from the payer's account to the payee's account.

(S133) The transfer processing unit 102 updates the transfer history DB 112 according to the execution of the transfer. For example, the transfer processing unit 102 registers the transfer execution date, payer information, recipient information, and transfer amount in the transfer history DB 112 for the executed transfer. When the process of S133 is completed, the series of processes shown in FIG. 14 is completed.

(Processing at the time of account inquiry)
Next, among the processes related to the transfer service with advertisement, the process at the time of account inquiry will be described with reference to FIG. FIG. 15 is a flow chart for explaining a process at the time of an account inquiry in the transfer service with advertisement according to the present embodiment. The process shown in FIG. 15 is mainly executed by the inquiry processing unit 103 of the banking system 10.

(S141) The inquiry processing unit 103 receives an account inquiry request from the holder (recipient) of the account managed by the account DB 111. For example, the inquiry processing unit 103 receives an account inquiry request from the recipient terminal 30 together with the account information.

(S142) The inquiry processing unit 103 refers to the transfer history DB 112, and determines whether or not there was a transfer during the period from the previous account inquiry to the current account inquiry (non-inquired period). If there is a transfer during the uninquired period, the process proceeds to S143. On the other hand, if there is no transfer during the uninquired period, the process proceeds to S148.

(S143) The inquiry processing unit 103 refers to the recipient DB 114, and determines whether or not the recipient who made the account inquiry in S141 is the recipient who permits the viewing of the advertisement (the recipient of the advertisement viewing OK). judge. If the recipient is an advertisement viewing OK, the process proceeds to S144. On the other hand, in the case of the recipient of the advertisement posting NG, the process proceeds to S148.

(S144) The inquiry processing unit 103 refers to the transfer history DB 112 and the payer DB 113, and the payer who permits the placement of the advertisement in the transfer executed during the non-inquiry period (payer of the advertisement placement OK). ) Is determined whether or not there is a transfer. If there is a transfer from the payer who is OK to place the advertisement, the process proceeds to S145. On the other hand, if there is no transfer from the payer who is OK to place the advertisement, the process proceeds to S148.

(S145) The inquiry processing unit 103 refers to the contract / actual DB 116 and identifies an advertiser who has concluded an advertisement placement contract with the payer of the transfer executed during the non-inquiry period. In addition, the inquiry processing unit 103 refers to the advertisement DB 115 and acquires the advertisement data corresponding to the acquired transfer time based on the advertisement information of the specified advertiser. Then, the inquiry processing unit 103 provides the acquired advertisement data to the terminal of the recipient who made the account inquiry (for example, the recipient terminal 30), and causes the recipient to display the advertisement.

(S146) The inquiry processing unit 103 determines whether or not the viewing of the advertisement by the recipient is completed. For example, when the inquiry processing unit 103 receives the notification of the completion of browsing from the terminal of the recipient, it determines that the browsing of the advertisement by the recipient is completed. When the viewing of the advertisement is completed, the process proceeds to S147. On the other hand, when the browsing of the advertisement is not completed and the processing of the account inquiry is stopped (communication blocking, termination of the application, etc.), the series of processing shown in FIG. 15 ends.

(S147) The inquiry processing unit 103 identifies the record of the contract / actual DB 116 corresponding to the combination of the payer who made the transfer and the recipient who viewed the advertisement, and among the number of views by month included in the specified record, Update the number of views in the month corresponding to the time of transfer. If the payer has contracts with multiple advertisers, the record corresponding to each advertiser is identified and the number of views in that month included in each record is updated.

(S148) The inquiry processing unit 103 causes the recipient's terminal (for example, the recipient terminal 30) to display the recipient's account information (inquiry result). When the process of S148 is completed, the series of processes shown in FIG. 15 is completed.

(Processing of reward calculation)
Next, with reference to FIG. 16, the process related to the calculation of the reward paid in response to the placement and viewing of the advertisement will be described. FIG. 16 is a flow chart for explaining the processing of the reward calculation in the transfer service with advertisement according to the present embodiment. The process shown in FIG. 16 is mainly executed by the reward calculation unit 104 of the banking system 10.

(S151) The reward calculation unit 104 calculates the total number of views N1 in the current month for each payer. For example, payer A, who has an advertisement placement contract with advertisers C1 and C2, makes one transfer to recipients B1 and B2 during January, and recipients B1 and B2 make account inquiries, respectively. In that case, the total number of views N1 in January is 4. However, the total number of views N1 may be calculated for each advertiser. In this case, the total number of views N1 (C1) for the advertiser C1 is 2, and the total number of views N1 (C2) for the advertiser C2 is 2.

(S152) The reward calculation unit 104 calculates the reward amount X1 to be paid to each payer based on the total number of views N1 calculated in S151. For example, when the reward amount (reward unit price P) for one browsing is constant, the reward amount X1 is "N1 x P". However, the reward unit price P may be different for each advertiser. In this case, in the above example, if the reward unit price of the advertiser C1 is P1 and the reward unit price of the advertiser C2 is P2, the reward amount X1 is "2 x P1 + 2 x P2".

(S153) The reward calculation unit 104 calculates the total number of views N2 in the current month for each recipient. For example, the payee B receives a transfer once in January from each of the payer A1 contracting with the advertisers C1 and C2 and the payer A2 contracting with the advertiser C1, and then after that. When an account inquiry is made, the total number of views N2 in January is 3. However, the total number of views N2 may be calculated for each advertiser. In this case, the total number of views N2 (C1) for the advertiser C1 is 2, and the total number of views N2 (C2) for the advertiser C2 is 1.

(S154) The reward calculation unit 104 calculates the reward amount X2 to be paid to each recipient based on the total number of views N2 calculated in S153. For example, when the reward amount (reward unit price Q) for one browsing is constant, the reward amount X2 is "N2 x Q". However, the reward unit price Q may be different for each advertiser. In this case, in the above example, if the reward unit price of the advertiser C1 is Q1 and the reward unit price of the advertiser C2 is Q2, the reward amount X2 is "2 x Q1 + 1 x Q2".

(S155) The reward calculation unit 104 calculates the advertising fee Y to be charged to each advertiser. Advertising fee Y is paid to the payer who has an advertisement placement contract with the target advertiser and the payee who viewed the advertisement of the advertiser in accordance with the transfer by the payer. It is the total amount with the reward amount.

(S156, S157, S158) The reward calculation unit 104 refers to the advertisement DB 115 and collects the advertisement fee from each advertiser's account. Further, the reward calculation unit 104 reduces the reward amount X1 from the transfer fee paid by each payer. Further, the reward calculation unit 104 refers to the recipient DB 114 and deposits the reward amount X2 into each recipient's account. The reward amount X1 may be paid in the form of reducing the transfer fee, or may be paid by bank transfer. Further, the reward amount X2 may be paid by valuable points such as electronic money and coupons.

When the process of S158 is completed, the series of processes shown in FIG. 16 is completed. The execution order of some of the above-mentioned processes may be changed. For example, the processing of S151-S152 and the processing of S153-S154 can be interchanged. Such modifications also belong to the technical scope of this embodiment. Further, as another modification, when the reward unit price is different for each advertiser, it may be modified so that only a predetermined number of advertisements are displayed in descending order of the reward unit price. According to this variant, even if the payer enters into advertising contracts with a large number of advertisers, the number of ads displayed to the recipient can be limited, and more rewards can be obtained under that limit. Will be.

<2. Modification example>
Next, a modified example according to the present embodiment will be described.

In the above explanation, the payer selects an advertiser, discloses the information to the selected advertiser, and then inquires whether the advertiser will conclude an advertisement placement contract, but the advertiser uses this mechanism. It can be transformed into a mechanism for selecting payers. Here, as a modified example, a mechanism in which an advertiser selects a payer will be described.

With reference to FIG. 17, a process relating to the conclusion of the advertisement placement contract according to the above-described modification will be described. FIG. 17 is a sequence diagram for explaining a process relating to the conclusion of an advertisement placement contract according to a modification of the present embodiment.

(S161, S162) The advertiser terminal 40 requests the banking system 10 to start the procedure of the advertisement placement contract. In response to this request, the banking system 10 refers to the payer DB 113 and provides the advertiser terminal 40 with the payer information set in the disclosure OK.

(S163, S164) The advertiser terminal 40 displays the disclosure information of the payer provided by the banking system 10 on the screen, and displays a message prompting the advertiser 40a to select the payer. When the payer to be contracted is selected by the advertiser 40a, the advertiser terminal 40 notifies the banking system 10 of the selected payer.

(S165, S166) The bank system 10 refers to the transfer history DB 112 and identifies a payee (a payee who has a record of receipt) who has received a transfer in the past from the payer notified from the advertiser terminal 40. .. Further, the bank system 10 refers to the recipient DB 114 and provides the advertiser terminal 40 with the information of the recipient set to the disclosure OK for the recipient who has received the advertisement and is OK to view the advertisement. ..

(S167, S168) The advertiser terminal 40 displays the disclosure information of the recipient provided by the banking system 10 on the screen, and displays a message prompting the advertiser 40a to select the recipient. The advertiser 40a operates the advertiser terminal 40 to select a recipient to be contracted. When the payee to be contracted is selected by the advertiser 40a, the advertiser terminal 40 notifies the banking system 10 of the selected payee.

(S169, S170) The banking system 10 registers a record associating the payer and the advertiser 40a notified from the advertiser terminal 40 in S164 in the contract / actual DB 116. Further, the bank system 10 registers a record for associating the recipient and the advertiser 40a notified from the advertiser terminal 40 in S168 in the contract / actual DB 116. When the registration is completed, the banking system 10 notifies the advertiser terminal 40 of the completion of the advertisement placement contract.

When the registration to the contract / performance DB116 is completed, the advertiser 40a can receive the transfer service with advertisement, and the advertisement of the advertiser 40a is displayed to the registered recipient according to the transfer of the registered payer. Will be done. However, the payee's payee's bank account may change. For example, even if it is a salary transfer, the transfer destination changes depending on the retirement of an employee or the addition of a new employee. In such a case, the advertiser 40a will want to renew the contract. In such a case, the processing after S171 can be executed.

(S171) The advertiser terminal 40 transmits a recipient re-extraction request to the bank system 10 in response to the operation of the advertiser 40a. It should be noted that the advertiser terminal 40 may automatically send a recipient re-extraction request each time a certain period of time elapses.

(S172, S173) The bank system 10 refers to the transfer history DB 112 and identifies a payee (a payee who has a record of receipt) who has received a transfer in the past from a payer associated with the advertiser 40a. To do. Further, the bank system 10 refers to the recipient DB 114 and provides the advertiser terminal 40 with the information of the recipient set to the disclosure OK for the recipient who has received the advertisement and is OK to view the advertisement. ..

(S174, S175) The advertiser terminal 40 displays the disclosure information of the recipient provided by the banking system 10 on the screen, and displays a message prompting the advertiser 40a to select the recipient. The advertiser 40a operates the advertiser terminal 40 to select a recipient to be contracted. When the payee to be contracted is selected by the advertiser 40a, the advertiser terminal 40 notifies the banking system 10 of the selected payee.

When the processing of S175 is completed, the processing proceeds to S169, and the contract / actual DB 116 is updated by the bank system 10. Then, the advertiser terminal 40 is notified of the completion of the advertisement placement contract. After that, the processing after S171 can be executed in the same manner as described above. As a result, the advertiser 40a can respond to changes in the relationship between the payer and the recipient.

Here, with reference to FIG. 18, a method of displaying the disclosure information displayed on the advertiser terminal 40 when the disclosure information is provided to the advertiser 40a in S162 and S166 will be described more specifically. FIG. 18 is an explanatory diagram for explaining the disclosure information displayed on the advertiser terminal at the time of concluding the advertisement placement contract according to the modified example of the present embodiment and the display method thereof.

FIG. 18 shows an example of the selection screen 41 displayed on the advertiser terminal 40. Payer information 42 and 43 are displayed on the selection screen 41. The payer information 42 and 43 are the payer information set in the disclosure OK, and are an example of the disclosure information provided from the bank system 10 to the advertiser terminal 40.

A check box is provided in the payer information 42 and 43 on the selection screen 41, and when the advertiser 40a checks the check box, the payee information related to the payer of the payer information 42 and 43 is displayed. That is, when the advertiser 40a selects the payer to be contracted, the information of the payee who has received the payment from the selected payer is displayed.

On the selection screen 41 of FIG. 18, the payee information 421, 422, and 423 are displayed in association with the payer information 42. Check boxes are also provided in the recipient information 421, 422, and 423, and by checking the check boxes, the recipients of the checked recipient information are subject to the contract. Similarly, the selection screen 41 displays the payee information 431 and 432 in association with the payer information 43, and the payee to be contracted can be selected by checking the check box.

As described above, by extracting the disclosure information of the recipient who has received the receipt from the payer and presenting it to the advertiser 40a, the recipient to be displayed in the advertisement can be easily selected. Furthermore, by presenting the disclosure information of the payer who has received the payment together with the disclosure information of the payer, the advertiser can understand what kind of payee the payer is making the transfer to, and the payer can understand. It is possible to understand the characteristics of payers that cannot be inferred from the disclosed information of. This allows the advertiser to select a target that is suitable for the content of the advertisement.

Although the embodiments and variations thereof according to the present disclosure have been illustrated with reference to the accompanying drawings, the present invention is not limited to these examples. It is clear that a person skilled in the art can come up with various modifications or modifications within the scope of the claims, which naturally belong to the technical scope of the present invention.

10 Bank system 20 Payer terminal 20a Payer 30 Recipient terminal 30a Recipient 40 Advertiser terminal 40a Advertiser 41 Selection screen 42, 43 Payer information 421, 422, 423, 431, 432 Recipient information 101 Storage 102 Transfer Processing Department 103 Inquiry Processing Department 104 Reward Calculation Department 105 Advertising Contract Reception Department 111 Account DB
112 Transfer history DB
113 Payer DB
114 Recipient DB
115 Advertising DB
116 Contract / Achievement DB
201 Transfer Request Department 202, 302 Contract Management Department 301 Inquiry Request Department

Claims (12)

Among the payers who allowed the advertisement to be posted when inquiring the transfer account, the information of the payer who received the posting request from the advertiser and the advertisement are allowed to be displayed when inquiring the account A storage unit that stores the recipient's information and
After the payer who has received the posting request makes a transfer to the account of the recipient who has licensed the display of the advertisement, when the recipient inquires about the account, before responding to the inquiry of the account. An advertisement-attached transfer service providing system that has an inquiry processing unit that displays the advertisement of the advertiser who requested the payer to place the advertisement. The inquiry processing unit according to claim 1, wherein when the recipient inquires about an account, the advertisement of the advertiser corresponding to the payer who made the transfer to the account after the previous inquiry to the account is displayed. Transfer service provision system with advertisement. The advertisement has a set posting time,
The transfer service providing system with an advertisement according to claim 1 or 2, wherein the inquiry processing unit displays an advertisement whose posting time corresponds to the time of the transfer. Any one of claims 1 to 3 further comprising a reward calculation unit that calculates a first reward amount paid to the payer and a second reward amount paid to the payee based on the number of times the advertisement is viewed. Transfer service provision system with advertisement described in the section. The description according to any one of claims 1 to 4, further comprising an advertising contract reception unit that provides the advertiser with information on the payer who has licensed the advertisement and receives a posting request from the advertiser to the payer. Transfer service provision system with advertisement. The advertisement contract reception unit includes the advertisement according to claim 5, which provides the advertiser with information selected by the payer among the name, business scale information, and transfer record as the payer's information. Transfer service provision system. The transfer record includes information on past transfer destinations by the payer.
The transfer service providing system with an advertisement according to claim 6, wherein the information regarding the transfer destination includes at least one of the number of transfers and the transfer amount. The advertisement contract reception unit includes the advertisement according to claim 7, which provides the advertiser with information regarding the transfer destination, among the information regarding the holder of each transfer destination account, the information for which the holder has permitted disclosure. Transfer service provision system. The transfer service providing system with an advertisement according to any one of claims 5 to 8, wherein the advertisement contract reception unit provides information on the payer only to the advertiser selected by the payer. The transfer with advertisement according to any one of claims 1 to 9, wherein the inquiry processing unit displays a number of advertisements smaller than the preset maximum number in descending order of the unit price of the advertisement fee paid by the advertiser. Service provision system. Among the payers who allowed the advertisement to be posted when inquiring the transfer account, the information of the payer who received the posting request from the advertiser and the advertisement are allowed to be displayed when inquiring the account Get the recipient's information and
After the payer who has received the posting request makes a transfer to the account of the recipient who has licensed the display of the advertisement, when the recipient inquires about the account, before responding to the inquiry of the account. An advertisement display method in which a computer executes a process of displaying an advertisement of an advertiser who has requested the payer to place an advertisement. Among the payers who allowed the advertisement to be posted when inquiring the transfer account, the information of the payer who received the posting request from the advertiser and the advertisement are allowed to be displayed when inquiring the account Get the recipient's information and
After the payer who has received the posting request makes a transfer to the account of the recipient who has licensed the display of the advertisement, when the recipient inquires about the account, before responding to the inquiry of the account. A program that causes a computer to execute the process of displaying the advertisement of the advertiser who requested the payer to place the advertisement.

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