JP2021015343A - Electronic money remittance program, electronic money remittance method and electronic terminal - Google Patents

Abstract

To simplify remittance operation of electronic money, and improve the convenience of handling of the electronic money.SOLUTION: An electronic money remittance program is a program which causes a computer to execute steps of: displaying a remittance target icon 55 indicating electronic money corresponding to prescribed property worth on a display unit 15 of an electronic terminal 10 (20); and performing remittance processing of the selected remittance target icon 55a, only by at least one input operation to an operating unit 16 of the electronic terminal 10 (20) by a user.SELECTED DRAWING: Figure 6

Description

The present invention relates to an electronic money remittance program, an electronic money remittance method, and an electronic terminal.

In recent years, electronic money has become widespread as an alternative to cash. Electronic money is electronic data equivalent to currency, and various types of data are becoming widespread, such as those that use cards charged with electronic data and those that use electronic terminals such as mobile phones. (For example, Patent Document 1).

Special Table 2013-061792

In particular, in order to popularize the type of electronic money that uses electronic terminals, it is required to devise ways to make the operation of electronic terminals easier and to be accepted by more people.

The present invention provides a technique capable of simplifying the remittance operation of electronic money.

One aspect of the present invention is an electronic money remittance program, in which a step of displaying a remittance target icon representing electronic money corresponding to a predetermined property value on a display unit of an electronic terminal and an operation of the electronic terminal by a user. The computer is made to execute the step of performing the remittance processing of the selected remittance target icon by only one input operation to the unit.

One aspect of the present invention is a method of remittance of electronic money, in which a step of displaying a remittance target icon representing electronic money corresponding to a predetermined property value on a display unit of an electronic terminal and an operation of the electronic terminal by a user. It includes a step of performing remittance processing of the selected remittance target icon by only one input operation to the unit.

One aspect of the present invention is an electronic terminal capable of remittance processing of electronic money, which has a display unit for displaying a remittance target icon representing electronic money corresponding to a predetermined property value, and an operation for accepting a user's operation input. The remittance process of the selected remittance target icon can be executed only by the user performing at least one input operation to the operation unit.

According to the present invention, the remittance operation of electronic money is simplified, and the convenience of handling electronic money is improved.

The network block diagram of the electronic money processing system to which this invention is applied. It is a figure of a server and an electronic terminal in an electronic money processing system, (a) is a block diagram of a server, and (b) is a block diagram of an electronic terminal. The flow chart which shows the processing procedure of the electronic money remittance method using an electronic terminal. The schematic diagram of the display part which displays the initial screen at the time of starting an electronic money application. FIG. 4 is a schematic view of a display unit that displays an exchange detail screen displayed after designating a remittance partner in FIG. FIG. 5 is a flow chart showing details of the remittance operation in step S4 in FIG. FIG. 6 is a schematic view of a display unit that displays a list of remittance target icons displayed when the remittance start button is touched in FIG. The schematic diagram of the display part which displays the remittance target icon selected in FIG. 7. FIG. 8 is a schematic view of a display unit that displays an exchange details screen after the remittance target icon is confirmed.

Hereinafter, specific embodiments of the present invention will be described in detail with reference to the drawings. FIG. 1 shows an example of an electronic money processing system to which the present invention is applied.

The electronic money processing system 100 of FIG. 1 is composed of a first electronic terminal (electronic terminal) 10, a second electronic terminal (electronic terminal) 20, a server 30, and a network network 40. The electronic money processing system 100 of the present embodiment transmits / receives electronic money corresponding to currency between the first electronic terminal 10 and the second electronic terminal 20.

The first electronic terminal 10 and the second electronic terminal 20 of the present embodiment are so-called smartphones, but the types are not particularly limited as long as they can handle electronic money. Although the first electronic terminal 10 and the second electronic terminal 20 are connected to the network network 40 by wireless communication, they may be connected by wired communication. In particular, an application that handles electronic money is installed in the first electronic terminal 10 and the second electronic terminal 20 of the embodiment, and operations such as transmission / reception, payment, and charging of electronic money are possible.

The server 30 can be connected to the first electronic terminal 10 and the second electronic terminal 20 via the network 40. The server 30 processes electronic money in response to a request from the first electronic terminal 10 and the second electronic terminal 20. The network network 40 is typically the Internet, but the type of network such as LAN is not particularly limited.

FIG. 2 is a diagram showing a configuration of a first electronic terminal 10 (second electronic terminal 20) and a server 30, FIG. 2A is a block diagram of the server 30, and FIG. 2B is a first. The block diagram of the electronic terminal 10 is shown. As shown in FIG. 2A, the server 30 includes a control unit 31, a reception unit 33, a transmission unit 34, and a user database 35. The control unit 31 is a computer processing device that controls the entire server 30, and is composed of a so-called processor such as a CPU (Central Processing Unit). The receiving unit 33 and the transmitting unit 34 are parts for transmitting and receiving data from external devices such as the first electronic terminal 10 and the second electronic terminal 20 via the network 40, and are various communication methods such as wireless and wired. Data can be sent and received to and from an external device according to the above.

The user database 35 stores information on users who use electronic money using the first electronic terminal 10, the second electronic terminal 20, and the like. The user database 35 is linked with, for example, an electronic account held by each user in a bank by an API (Application Programming Interface), and can access the balance information of each user's electronic account as needed. In addition, the user database 35 also holds a wallet of an application that handles electronic money, a so-called wallet, and also holds balance information of the wallet transferred from the electronic account of the bank to the wallet for each user. However, some users do not have an electronic account. Such a user holds, for example, the balance information of electronic money received from another user in the wallet. The detailed specifications of the user database 35 are not particularly limited. Further, although the user database 35 is provided inside the server 30 in the present embodiment, it may be provided in another server and communicate with the server 30 via the network 40.

As shown in FIG. 2B, the first electronic terminal 10 includes a control unit 11, a memory 12, a receiving unit 13, a transmitting unit 14, a display unit 15, and an operating unit 16. The second electronic terminal 20 also has the same configuration as in FIG. 2 (b). The control unit 11 is a computer processing device that controls the entire first electronic terminal 10, and is composed of a so-called processor such as a CPU. The memory 12 is composed of a RAM (Random Access Memory), a ROM (Read Only Memory), and the like, and stores various programs and data that are read and executed by the control unit 11. In particular, the memory 12 of the present embodiment stores, for example, an application program for electronic money that a user has accessed a predetermined website in advance and downloaded. Specifically, the application program is stored in the server 30 or another external device, and receives a download request from the first electronic terminal 10 that has been operated by the user, and the server 30 or another external device receives a download request. Sends the application program to the first electronic terminal 10 and stores it in the memory 12.

The receiving unit 13 and the transmitting unit 14 are parts that transmit and receive data from external devices such as the second electronic terminal 20 and the server 30 via the network 40, and are external devices according to various communication methods such as wireless and wired. And data can be sent and received.

The display unit 15 is composed of a liquid crystal display device, an image display device capable of displaying a still image such as an organic EL (electro-luminescence), and a moving image, but the type thereof is not particularly limited. The operation unit 16 is an input device in which the user inputs an operation and operates the first electronic terminal 10, and various devices such as a button, a mouse, an operation stick, a touch pad, and a touch panel are applied, but the display unit 15 Those that can select and confirm the object such as the icon displayed in are applied. In particular, when the electronic terminal is a smartphone, it is generally composed of a touch panel arranged so as to be superimposed on the display unit 15.

FIG. 3 is a flow chart showing a processing procedure of a method of remittance of electronic money using the first electronic terminal 10 (or the second electronic terminal 20). Each procedure of this method is performed, for example, by causing a control unit 11 which is a computer to execute an electronic money remittance program which is a part of an application program for electronic money stored in the memory 12. First, the user touches the electronic money application icon displayed on the operation unit 16, that is, operates the touch panel which is the operation unit 16 to start the application (step S1). As a result, as shown in FIG. 4, the display unit 15 displays the initial screen when the application is started. On the initial screen, the other party display icon 50, the process selection unit 51, and the like are displayed.

The other party display icon 50 displays a person who sends / receives electronic money. For example, the user of the first electronic terminal 10 registers such a person in the memory 12 of the first electronic terminal 10 in advance. For example, the user of the first electronic terminal 10 sends a link to a site where the electronic money application can be downloaded to a friend, the friend approves the invitation, and the friend downloads the application from the link, so that the friend is the other party. Is registered in the memory 12.

The process selection unit 51 displays an area for selecting a category of electronic money processing. In this example, three options are displayed: "Send money", "Get money", and "Get money at the store". In this example, in order to explain the method of remittance of electronic money, the user touches and selects "Send money" displayed at the top. That is, the user can instruct the selected counterparty to input what kind of electronic money to process by selecting one of the counterparty display icons 50 and the option of the process selection unit 51. In this example, the process is to remit electronic money with Mr. A as the remittance destination (step S2).

When Mr. A is selected, an exchange details screen showing the exchange of electronic money with Mr. A so far is displayed (step S3). FIG. 5 is a screen display of the display unit 15 displaying such an exchange detail screen, and the exchange detail screen is displayed by the operation history icon 52 having a design imitating a coin of Japanese yen, which is a legal tender having a property value. Is displayed. In this example, for example, 50 yen has been remitted on June 13, 1 yen has been remitted and the receipt deadline is June 30. However, it is not essential to display the exchange details screen.

Next, the user operates the touch panel, which is the operation unit 16, while looking at the display unit 15, to perform the remittance operation (step S4). FIG. 6 is a flow chart showing details of the remittance operation in step S4 in FIG.

When the user touches the remittance start button 53 as the remittance start unit also displayed on the screen of FIG. 5, the remittance target icon list 54, which is a candidate list of electronic money to be remitted, is displayed on the display unit 15 ( Step S41). FIG. 7 shows this state, and the remittance target icon list 54 is displayed in a state in which a plurality of remittance target icons 55 are arranged side by side. In the present embodiment, the remittance target icon 55 is a 500-yen coin, a 100-yen coin, a 50-yen coin, a 10-yen coin, a 5-yen coin, or a 1-yen coin, and the user can use the remittance target icon imitating the legal currency. , You can intuitively grasp the target of remittance.

The user does not let go of the display unit 15 while touching the remittance start button 53 with his / her finger, and slides his / her finger on the display unit 15 to the remittance target icon 55a of the 100-yen coin to stop the 100-yen coin. The remittance target icon 55a can be selected (step S42). FIG. 8 shows a state in which the remittance target icon 55a is selected, and in order to clarify that the remittance target icon 55a of the 100-yen coin is selected, the icon display of the 100-yen coin is enlarged and arranged diagonally. It has become. In this way, the user can select one remittance target icon for which remittance is desired without performing complicated operations.

By releasing the finger from the display unit 15 from the state where the user puts the finger on the remittance target icon 55a, it is possible to confirm that the remittance target icon 55a is to be remitted (step S43). FIG. 9 shows a state in which the remittance of the remittance target icon 55a is confirmed, and in order to clarify that the 100-yen coin has been confirmed as the remittance target, the operation history icon 52a of the new 100-yen coin is the original operation history. It has been added to the icon 52. In steps S41 to S43 in FIG. 6, the user can complete the remittance process with one input operation without releasing the finger once placed on the display unit 15 from the display unit 15.

Finally, the remittance process to Mr. A is completed at the same time as the end of step S43 (step S5).

As described above, in the electronic money remittance program of the present embodiment, the step of displaying the remittance target icon 55 representing the electronic money corresponding to the predetermined property value on the display unit 15 of the electronic terminal 10 (20) and the electronic by the user. This is a program that causes a computer to execute a step of performing remittance processing of the selected remittance target icon 55a by performing at least one input operation to the operation unit 16 of the terminal 10 (20).

This simplifies the remittance operation of electronic money using an electronic terminal, makes it easier for many people to handle, and is expected to make electronic money even more major.

Specifically, in this program, the display of the remittance target icon 55, the selection of the remittance target icon 55, and the selected remittance target icon 55a are performed by the user performing at least one input operation to the operation unit 16. Let the computer execute the remittance process. This makes it easier to visually grasp the remittance operation of electronic money and simplifies the operation.

Further, when the remittance target icon 55 has a design imitating a legal currency, the user can handle the electronic money with a feeling close to that of handling cash, and the electronic money becomes familiar to many people. The feeling of throwing money also improves.

Typically, it is a touch panel in which the operation unit 16 is arranged so as to be superimposed on the display unit 15. In this case, when the user touches the remittance start button (remittance start unit) 53 displayed on the display unit 15 with a finger, a step of displaying a plurality of remittance target icons 55 on the display unit 15 and the touched finger are displayed. The step of selecting the remittance target icon 55 by sliding to one remittance target icon 55 without separating from the unit 15, and the remittance processing of the remittance target icon 55a by releasing the finger from the selected remittance target icon 55a. Let the computer perform the steps. That is, by fully utilizing the characteristics of the touch panel that is operated with a finger, the remittance operation of electronic money can be saved.

The present embodiment also provides a method of remittance of electronic money, and includes a step of displaying a remittance target icon 55 representing electronic money corresponding to a predetermined property value on the display unit 15 of the electronic terminal 10 (20). The step includes a step of performing a remittance process of the selected remittance target icon 55 by the user performing at least one input operation to the operation unit 16 of the electronic terminal 10 (20). This simplifies the remittance operation of electronic money using an electronic terminal, makes it easier for many people to handle, and is expected to make electronic money even more major.

Further, the first electronic terminal 10 (or the second electronic terminal 20) of the present embodiment can process various kinds of electronic money, but particularly saves labor in remittance processing. The display unit 15 displays a remittance target icon 55 representing electronic money corresponding to a predetermined property value, and the user can operate the operation unit 16. The remittance process of the remittance target icon 55a selected on the display unit 15 can be executed only by the user inputting the operation unit 16 at least once. "One input operation" refers to an operation section from touching the operation unit 16 once with a part of the human body to then separating a part of the human body from the operation unit 16, and is the operation unit as in the present embodiment. When 16 is a touch panel, it is an operation section from placing the finger on the display unit to releasing the finger.

This simplifies the remittance operation of electronic money using an electronic terminal, makes it easier for many people to handle, and is expected to make electronic money even more major.

Specifically, the display on the display unit 15 of the remittance target icon 55, the selection of the remittance target icon 55a, and the remittance processing of the selected remittance target icon 55a can be executed by only one input operation. This makes it easier to visually grasp the remittance operation of electronic money and simplifies the operation.

Further, when the remittance target icon 55 has a design imitating a legal currency, the user can handle the electronic money with a feeling close to that of handling cash, and the electronic money becomes familiar to many people. The feeling of throwing money also improves.

Typically, it is a touch panel in which the operation unit 16 is arranged so as to be superimposed on the display unit 15. In this case, when the user touches the remittance start button 53 displayed on the display unit 16 with a finger, a plurality of remittance target icons 55 are displayed on the display unit 15, and the touched finger is not released from the display unit 15. The remittance target icon 55a is selected by sliding to the remittance target icon 55, and the remittance target icon 55a is processed by releasing the finger from the selected remittance target icon 55a. That is, by fully utilizing the characteristics of the touch panel that is operated with a finger, the remittance operation of electronic money can be saved.

In the above-described embodiment, the application wallet is held in the server 30, but the application wallet may be held in, for example, the memory 12 by each electronic terminal. Further, in the above-described embodiment, it has been explained that the information of the other party such as a friend who is the remittance destination is registered in the memory 12, but it is stored in an external device such as the server 30 and read out every time the application is started. It may be. In addition, the remittance destination does not have to be an individual, and may be a store, a financial institution, various corporations, etc.

Further, in the present embodiment, the operation history icon 52, the remittance target icon list 54, and the remittance target icon 55 have a design imitating a coin of Japanese yen, which is a legal tender, but have a design imitating a Japanese yen banknote. It may also have a design that imitates not only Japanese yen but also coins and banknotes of other legal tenders such as dollars, euros, and renminbi. Further, the operation history icon 52, the remittance target icon list 54, and the remittance target icon 55 can play a role as long as they represent some economic value, that is, a predetermined property value, for example, securities having a property value. A design that imitates tokens, crypto assets, etc. may be adopted.

The present invention is not limited to the above-described embodiment, and can be appropriately modified, improved, and the like. In addition, the material, shape, size, numerical value, form, number, arrangement location, etc. of each component in the above-described embodiment are arbitrary and are not limited as long as the present invention can be achieved.

10 First electronic terminal (electronic terminal)
11 Control unit 12 Memory 13 Reception unit 14 Transmission unit 15 Display unit 16 Operation unit 20 Second electronic terminal (electronic terminal)
30 Server 31 Control unit 33 Reception unit 34 Transmission unit 35 User database 40 Network network 50 Remittance display icon 51 Process selection unit 52 Operation history icon 53 Remittance start button (remittance start unit)
54 Remittance target icon list 55 Remittance target icon 100 Electronic money processing system

Claims (6)

An electronic money remittance program
A step of displaying a remittance target icon representing electronic money corresponding to a predetermined property value on the display of an electronic terminal, and
A step of performing remittance processing of the selected remittance target icon by the user performing at least one input operation to the operation unit of the electronic terminal.
An electronic money remittance program that lets a computer execute. The electronic money remittance program according to claim 1.
The display of the remittance target icon on the display unit, the selection of the remittance target icon, and the remittance processing of the selected remittance target icon can be performed by the user performing at least one input operation to the operation unit.
An electronic money remittance program that lets a computer execute. The electronic money remittance program according to claim 1 or 2.
The remittance target icon has a design imitating legal tender.
Electronic money remittance program. The electronic money remittance program according to any one of claims 1 to 3
A touch panel in which the operation unit is arranged so as to be superimposed on the display unit.
A step of displaying a plurality of remittance target icons on the display unit by the user touching the remittance start unit displayed on the display unit with a finger.
A step of selecting the remittance target icon by sliding the touched finger to one remittance target icon without releasing it from the display unit, and
A step of remittance processing of the remittance target icon by releasing the finger from the selected remittance target icon, and
An electronic money remittance program that lets a computer execute. It is a method of remittance of electronic money
A step of displaying a remittance target icon representing electronic money corresponding to a predetermined property value on the display of an electronic terminal, and
A step of performing remittance processing of the selected remittance target icon by the user performing at least one input operation to the operation unit of the electronic terminal.
A method of remittance of electronic money. An electronic terminal that can process electronic money remittances
A display unit that displays a remittance target icon that represents electronic money corresponding to a predetermined property value,
An operation unit that accepts user operation input and
With
The remittance process of the selected remittance target icon can be executed only by the user inputting the operation unit at least once.
Electronic terminal.

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