JP2021056628A - Remittance mediation system and remittance mediation method and program - Google Patents

Abstract

To provide a system for mediation of various processes related to remittance between a wallet provider and a financial institution.SOLUTION: A system comprises an acquisition part that obtains from a user, via a wallet provider that provides wallet, identification information that identifies the user and an appropriation request for appropriating value information requested by the user to the wallet, a specification part that identifies a financial institution corresponding to the user by referring to a predetermined information table that maps the user with a predetermined financial institution based on the identification information, and a transmission part that transmits a remittance instruction to the financial institution to make the financial institution perform the remittance process for the wallet based on the appropriation request using the account of the financial institution owned by the user.SELECTED DRAWING: Figure 2

Description

The present invention relates to remittance mediation systems, remittance mediation methods, and programs.

A wallet management system that realizes wallet management for making payments using a mobile terminal is disclosed (Patent Document 1).

Japanese Unexamined Patent Publication No. 2019-87081

In the system described in Patent Document 1, an available medium to be a wallet is specified based on the position information of the mobile terminal, and the usage status of the available medium is acquired. The system identifies the payment medium used by the user for payment based on the usage status of the available medium. Further, in the system, when the specified payment medium uses an account, the payment request processing is executed for the financial institution server. As a result, efficient transactions can be realized using the mobile terminal.

However, the system described in Patent Document 1 is realized in a manner in which a wallet provider and a financial institution conclude individual contracts in the first place. In such an aspect, there is a risk of causing an excessive burden on the wallet provider such as contract procedures with financial institutions and system construction.

Therefore, an object of the present invention is to provide a system for mediating various processes related to remittance between a wallet provider and a financial institution in order to solve the above problems.

The remittance intermediary system according to one aspect of the present invention transfers the identification information that identifies the user and the value information requested by the user to the wallet from the user via the wallet provider that provides the wallet. Finance corresponding to the user by referring to the acquisition unit that acquires the allocation request for allocation and a predetermined information table that associates the user with the predetermined financial institution based on the identification information. Using the specific department that identifies the institution and the account of the financial institution owned by the user based on the allocation request, the financial institution is made to execute a remittance process for applying the value information to the wallet. A transmission unit for transmitting a remittance instruction to the financial institution is provided.

In the remittance mediation method according to one aspect of the present invention, a computer obtains identification information for identifying the user and value information requested by the user from the user through a wallet provider that provides the wallet. With reference to the acquisition step of acquiring the allocation request for allocation to the wallet and the predetermined information table in which the user is associated with the predetermined financial institution based on the identification information, the user is notified. Based on the specific step of identifying the corresponding financial institution and the allocation request, the financial institution performs a remittance process for applying the value information to the wallet using the account of the financial institution owned by the user. A transmission step of transmitting a remittance instruction to be executed to the financial institution is realized.

In the program according to one aspect of the present invention, the wallet provides identification information for identifying the user and value information requested by the user from the user through the wallet provider that provides the wallet to the computer. Obtaining an appropriation request for appropriation to, and referring to a predetermined information table that associates the user with a predetermined financial institution based on the identification information, finance corresponding to the user. Remittance to identify an institution and, based on the appropriation request, cause the financial institution to perform a remittance process for appropriating the value information to the wallet using the account of the financial institution owned by the user. Sending instructions to the financial institution is realized.

According to the present invention, it is possible to simply construct a system for transferring funds between a financial institution and a wallet provider.

It is a figure which shows an example of the structure of the remittance intermediary system. It is a schematic diagram which shows an example of the wallet allocation procedure of a remittance intermediary system. It is a schematic diagram which shows an example of the attribute determination procedure of the remittance intermediary system. It is a figure which shows an example of the 1st information table. It is a figure which shows an example of the 2nd information table. It is a figure which shows an example of the 3rd information table. It is a flow chart which shows an example of the processing procedure of an intermediary server device. It is a figure which shows an example of a hardware configuration. It is a schematic diagram which shows another example of the attribute determination procedure of the remittance intermediary system.

Hereinafter, the remittance mediation system 1 according to the embodiment of the present invention will be described in detail with reference to the drawings. However, the embodiments described below are merely examples, and there is no intention of excluding the application of various modifications and techniques not specified below. That is, the present invention can be implemented in various ways without departing from the spirit of the present invention, or by combining the examples. Further, in the description of the following drawings, the same or similar parts are represented by the same or similar reference numerals.
=== Configuration of remittance mediation system 1 ===

The remittance mediation system 1 is a system that mediates various information between the wallet provider and the account provider in response to the user's request for appropriation of value information to the wallet. Here, the value information includes, for example, electronic money, cryptographic assets, points issued by a company, and statutory money. Hereinafter, for convenience of explanation, the value information will be described as "electronic money". The account provider is, for example, a financial institution, a bank, a card company, or the like. That is, the account is, for example, a bank account or a credit card issued by a financial institution. In the following, for convenience of explanation, the account provider shall be the bank, and the remittance processing shall be realized by fund transfer.

Conventionally, when an account transfer contract is adopted between an account provider and a wallet provider, the wallet provider has to make a contract for each account provider. In addition, when using real-time fund transfer in a bank account, the transfer from the bank account is executed according to the instruction of the wallet provider. That is, since the account is immediately deducted from the bank account without undergoing the confirmation process by the account provider, there is a risk that a problem may occur in the burden of liability when troubles such as spoofing or account takeover occur.

Therefore, in the money transfer intermediary system 1, the setting between the wallet provider server device 20 and the intermediary server device 10 (or the contract between the wallet provider and the intermediary company), and the account provider server device. By setting between 30 and the intermediary server device 10 (or a contract between the account provider and the intermediary business operator), a function that can allocate electronic money to the user's wallet is provided. That is, the wallet provider can allocate to the wallet in response to the user's allocation request without concluding a contract for each account provider. As a result, smooth circulation of funds can be realized.

The configuration of the remittance brokerage system 1 will be described with reference to FIG. FIG. 1 is a diagram showing an example of the configuration of the remittance brokerage system 1. As shown in FIG. 1, the remittance intermediary system 1 includes, for example, an intermediary server device 10, a wallet provider server device 20, and an account provider server device 30. Each server device is connected so as to be able to communicate via a communication network.

The mediation server device 10 is an information processing device that mediates various information between the wallet provider server device 20 and the account provider server device 30. As a result, the wallet provider can receive the remittance from the user's account in the account provider via the intermediary server device 10. The wallet provider server device 20 is an information processing device that provides a wallet to a user. The account provider server device 30 is an information processing device that provides an account to a user.

Hereinafter, each component of the remittance brokerage system 1 will be described in more detail.
<< Configuration of intermediary server device 10 >>

The configuration of the intermediary server device 10 will be described with reference to FIGS. 2 and 3. The intermediary server device 10 includes, for example, a first storage unit 11, a first acquisition unit 12, a first transmission unit 13, a specific unit 14, a remittance instruction unit 15, a second remittance unit 16, and an attribute request unit 17.

The first storage unit 11 includes, for example, the first information table 11a. FIG. 4 shows a configuration example of the first information table 11a. As shown in FIG. 4, the first information table 11a includes, for example, a wallet provider ID, a user ID, an account provider ID, and account information as data items. The wallet provider ID indicates an identification code for identifying the wallet provider. The user ID indicates an identification code for identifying the user. The account provider ID indicates an identification code that identifies the account provider. The account information is, for example, information about a bank account or information about a credit card.

The first acquisition unit 12 acquires various information from the wallet provider server device 20 and the account provider server device 30. The first transmission unit 13 transmits various information to the wallet provider server device 20 and the account provider server device 30. In this way, the intermediary server device 10 mediates between the wallet provider and the account provider, so that the wallet provider and the account provider do not have to conclude a contract regarding wallet allocation. The provider can allocate electronic money to the user's wallet.

The identification unit 14 executes the identification process based on the first confirmation request acquired from the wallet provider server device 20. The specific process will be described later. The remittance instruction unit 15 executes a remittance instruction process for instructing the account provider to move the user's funds. The remittance instruction processing will be described later. The second remittance unit 16 executes a second remittance process of remittance from the intermediary account described later to the wallet account described later. The attribute request unit 17 executes the attribute information request process in the “attribute determination procedure” described later. The attribute information request processing will be described later.
<< Configuration of wallet provider server device 20 >>

The configuration of the wallet provider server device 20 will be described with reference to FIGS. 2 and 3. The wallet provider server device 20 includes, for example, a second storage unit 21, a second acquisition unit 22, a second transmission unit 23, an allocation unit 24, and an allocation determination unit 25.

The second storage unit 21 includes, for example, a second information table 21a. FIG. 5 shows a configuration example of the second information table 21a. As shown in FIG. 5, the second information table 21a includes terminal information and a balance as data items, for example, with the user ID as the primary key. The terminal information includes the identification information of the terminal device 200 associated with the user ID. The balance indicates the balance of electronic money allocated to the terminal device 200.

The second acquisition unit 22 acquires various information from the intermediary server device 10 and the user's terminal device 200. The second transmission unit 23 transmits various information to the intermediary server device 10 and the user's terminal device 200. The appropriation unit 24 executes an appropriation process for updating the balance. The appropriation process will be described later. The appropriation determination unit 25 executes an appropriation determination process for determining whether or not the user is legitimate based on the attribute information of the user. The allocation determination process will be described later.
<< Account provider server device 30 >>

The configuration of the account provider server device 30 will be described with reference to FIGS. 2 and 3. The account provider server device 30 includes, for example, a third storage unit 31, a third acquisition unit 32, a third transmission unit 33, a first authentication unit 34, a first remittance unit 35, and a second authentication unit 36.

The third storage unit 31 includes, for example, a third information table 31a. FIG. 6 shows a configuration example of the third information table 31a. As shown in FIG. 6, the third information table 31a includes a name, a telephone number, an address, and a certificate of the user as data items, for example, using the user ID as the primary key. The certificate is document data certifying the user, such as a passport, a driver's license, or a health insurance card.

The third acquisition unit 32 acquires various information from the intermediary server device 10 and the user's terminal device 200. The third transmission unit 33 transmits various information to the intermediary server device 10 and the user's terminal device 200. The first authentication unit 34 executes the first authentication process for authenticating the legitimacy of the user based on the information about the user acquired from the terminal device 200 of the user. The first authentication process will be described later. The first remittance unit 35 executes the first remittance process of remittance from the user account described later to the intermediary account described later. The second authentication unit 36 executes the second authentication process in the “attribute determination procedure” described later. The second authentication process will be described later.

In the above, the second information table 21a is stored in the second storage unit 21 of the wallet provider server device 20, and the third information table 31a is stored in the third storage unit 31 of the account providing server device. I explained that there is, but it is not limited to this. For example, each of the wallet providing time provider server device and the account providing provider server device 30 may have the information of the second information table 21a and the third information table 31a.
=== Overview of remittance brokerage system 1 ===
<< Wallet allocation procedure >>

Next, with reference to FIG. 2, a wallet allocation procedure for applying "electronic money" to the user's wallet will be described as an example in the remittance brokerage system 1. FIG. 2 is a schematic diagram showing an example of the wallet appropriation procedure of the remittance intermediary system 1. In the following, various information transmitted and received by each server device is an example and is not limited. Further, the procedure is not limited to the procedure shown below, and if the function of the remittance intermediary system 1 can be exhibited, the order may be changed. Further, as described above, instead of "electronic money", "cryptographic assets", "points issued by companies", "fiat money", etc. may be applied to the user's wallet.

First, in S1, the wallet provider server device 20 acquires the user's wallet allocation request from the user's terminal device 200 in the second acquisition unit 22. The allocation request includes, for example, a "user ID", an "allocation amount", and "terminal information". The terminal information includes, for example, identification information that identifies the user's terminal device 200. As a result, in the wallet provider server device 20, it is possible to grasp which user is required to allocate how much money.

Next, in S2, the intermediary server device 10 acquires the first confirmation request from the wallet provider server device 20 in the first acquisition unit 12. The first confirmation request includes, for example, "wallet business ID", "user ID", "appropriate amount", and "terminal information". As a result, in the intermediary server device 10, it is possible to grasp which user should allocate how much electronic money to the wallet of which wallet operator. Then, the intermediary server device 10 executes a specific process for identifying the account provider based on the first confirmation request.

Here, the specific process is a process in which the specific unit 14 specifies the account provider based on the first confirmation request. Specifically, based on the "user ID" included in the first confirmation request, the first information table 11a is referred to, and the "account provider ID" associated with the user ID is specified. In other words, the specific process is a process for identifying the account provider associated with the user. Further, in the specific process, the wallet provider associated with the user may be specified by referring to the first information table 11a, and the account provider associated with the wallet provider may be specified. Thereby, the intermediary server device 10 can specify from which account the allocation of electronic money to the wallet should be executed.

Next, in S3, the account provider server device 30 acquires the second confirmation request from the intermediary server device 10 in the third acquisition unit 32. The second confirmation request (authentication request) includes, for example, "account information", "appropriate amount", and "redirect information". The account information is information acquired from the first information table 11a. The redirect information includes, for example, terminal information that identifies the terminal device 200. As a result, the account provider server device 30 can grasp which user's terminal device 200 is to be allocated electronic money.

Next, in S4, the account provider server device 30 transmits an online banking activation request to the user's terminal device 200 in the third transmission unit 33. The online banking activation request includes, for example, "appropriate amount" and "remittance destination". Based on the online banking activation request, the application related to online banking is activated in the terminal device 200.

Next, in S5, the account provider server device 30 acquires online banking authentication information from the user's terminal device 200. The online banking authentication information includes, for example, "authentication information" and "remittance confirmation information". The authentication information is, for example, information about a user used for authenticating a user by the account provider server device 30. The remittance confirmation information is, for example, information indicating that the remittance content has been confirmed by the user. The account provider server device 30 executes the first authentication process when the online banking authentication information is acquired.

Here, the first authentication process means that in the first authentication unit 34, for example, referring to the third information table 31a, online banking authentication information and information about the user owned by the account provider (for example, identity verification information). ) To authenticate the user's legitimacy. Specifically, for example, the authentication information generated by the user inputting an ID (identification) and a password in the input form displayed on the terminal device 200 is transmitted to the account provider server device 30. In the account provider server device 30, the authentication information is collated with the information related to the identity verification of the user associated with the authentication information, and the legitimacy of the user is authenticated. As a result, the account provider server device 30 can eliminate the spoofing of the user.

In S4 and S5, the user authentication has been described as a means for acquiring online banking authentication information from the user's terminal device 200 using an application related to online banking, but the present invention is not limited to this, and the account provider is not limited to this. Is any means that enables customer authentication.

Next, in S6, the intermediary server device 10 acquires the authentication result from the account provider server device 30 in the first acquisition unit 12. The intermediary server device 10 executes the remittance instruction process based on the authentication result.

Here, the remittance instruction process is a process in which the remittance instruction unit 15 activates a function related to the payment instruction service provider (PISP) to generate a remittance instruction. As a result, the intermediary server device 10 can instruct the account provider to move the funds based on the intention of the user. Here, the remittance instruction includes, for example, "user account information", "brokerage account information", and "remittance amount". The intermediary account information is, for example, information about an account held by an intermediary company that operates the intermediary server device 10.

Next, in S7, the account provider server device 30 acquires the remittance instruction from the intermediary server device 10 in the third acquisition unit 32. Here, the account provider server device 30 executes the first remittance process based on the remittance instruction.

Here, the first remittance process is a process in which the first remittance unit 35 transfers money from the user account of the account provider to the intermediary account (predetermined account) of the intermediary company.

Next, in S8, the intermediary server device 10 executes the second remittance process when the remittance is received in the intermediary account.

Here, the second remittance process is a process in which the second remittance unit 16 transfers money from the intermediary account to the wallet account of the wallet provider.

That is, even if there is no direct fund transfer contract between the wallet provider and the account provider or the corporate account of the wallet provider by the first remittance processing and the second remittance processing, the intermediary server The device 10 can receive the remittance from the user account at the intermediary account and simultaneously transfer the remittance to the wallet provider. As a result, the contract between the wallet provider and the account provider can be reduced, which enables smooth financial communication.

In the above, it has been explained that remittance is performed from the user's user account to the wallet account via the intermediary account, but the present invention is not limited to this. For example, remittance may be performed by direct debit from the user account of the user of the account provider to the wallet account of the wallet provider. As a result, when the wallet provider has a direct fund transfer contract or a corporate account with the account provider, remittance can be realized without going through the intermediary server device 10 (intermediary account). You can reduce the remittance fee.

Next, in S9, the intermediary server device 10 transmits a remittance completion notification indicating the completion of the remittance to the wallet provider server device 20 in the first transmission unit 13. In addition, the intermediary server device 10 executes the remittance process from the intermediary account to the wallet account. The wallet provider server device 20 executes the appropriation process when the money is deposited in the wallet account.

Here, the appropriation process is a process in which the appropriation unit 24 updates the second information table 21a so that, for example, the electronic money generated by the remittance of the user is added to the balance of the wallet of the user.

When "cryptographic assets" are used instead of "electronic money" in the appropriation process, for example, the cryptographic assets corresponding to the amount of money transferred by the user should be added to the balance of the user's cryptographic assets. To update the predetermined information table. Further, when "points issued by a company" are used, for example, a predetermined information table is updated so as to add points corresponding to the amount of remittance of the user to the balance of the points of the user. Further, when "fiat money" is used, for example, a predetermined information table is updated so as to add the amount related to the remittance of the user to the balance of the deposit of the user.

Next, in S10, the wallet provider server device 20 transmits information regarding the allocation of electronic money to the user's terminal device 200 in the second transmission unit 23. The information regarding the allocation includes "balance update result information" indicating the result of updating the balance. As a result, the allocation is completed in the user's terminal device 200.
<< Attribute judgment procedure >>

Next, with reference to FIG. 3, an attribute determination procedure for determining the legitimacy of the user based on the attribute information of the user will be described in order to prevent spoofing of the user and hijacking of the account in the remittance mediation system 1. To do. FIG. 3 is a schematic diagram showing an example of the attribute determination procedure of the remittance brokerage system 1. The transmission / reception of a series of information shown in FIG. 3 may be executed in parallel with S1 to S10 shown in FIG. 2, or may be executed so as to be completed before the allocation process in S9 of FIG. 2 is executed. .. Further, the procedure is not limited to the procedure shown below, and if the function of the remittance intermediary system 1 can be exhibited, the order may be changed.

Conventionally, in a wallet-type service, when a user associates a wallet with an account and registers it, the financial institution that provides the account confirms the identity of the user. However, when a user registers an account, the financial institution overlooks fraud such as spoofing, or the user's wallet is fraudulently acquired by a third party after registering the account. There was a risk that the institution could not detect fraud. In order to solve such a situation, in the following, an appropriate wallet is determined by determining the impersonation of the user in the wallet provider server device 20 or the account provider server device 30 via the intermediary server device 10. To realize the operation of.

First, in S20, the wallet provider server device 20 acquires the attribute information provision consent from the user's terminal device 200 in the second acquisition unit 22. The attribute information provision consent includes, for example, information indicating a manifestation of intention that the user has agreed to provide the attribute information. Here, the attribute information is personal information about the user, such as a name, an address, and a telephone number.

Next, in S21, the intermediary server device 10 acquires the cooperation request from the wallet provider server device 20 in the first acquisition unit 12. The cooperation request includes, for example, a "wallet provider ID" and a "user ID". The intermediary server device 10 executes a specific process for specifying the account provider based on the cooperation request in the specific unit 14. Since the specific processing is as described above, the description thereof will be omitted. As a result, in the intermediary server device 10, the user, the wallet provider, and the account provider linked thereto are grasped.

Next, in S22, the account provider server device 30 acquires the consent acquisition request from the intermediary server device 10 in the third acquisition unit 32. The consent acquisition request includes, for example, "user account information", "user information", and "redirect information". The user information includes, for example, identification information for identifying the user and attribute information of the user. As a result, the account provider server device 30 can grasp which user's attribute information should be confirmed.

Next, in S23, the account provider server device 30 transmits an online banking activation request to the user's terminal device 200 in the third transmission unit 33. The online banking activation request includes, for example, "user information". In the terminal device 200, an application related to online banking is started based on user information.

Next, in S24, the account provider server device 30 acquires online banking authentication information from the user's terminal device 200 in the third acquisition unit 32. The online banking authentication information includes, for example, "authentication information" and "agreement confirmation information". The authentication information is, for example, information about a user used for authenticating a user by the account provider server device 30. The consent confirmation information is, for example, information indicating that the user has agreed to cooperate with the attribute information on the remittance mediation system 1. The account provider server device 30 executes a second authentication process related to user authentication based on the online banking authentication information.

Here, the second authentication process means that the second authentication unit 36 refers to, for example, the third information table 31a, and obtains online banking authentication information and information related to user identity verification owned by the account provider. It is a process of collating, authenticating the legitimacy of the user, and confirming that the user has agreed to link the attribute information based on the consent confirmation information. Specifically, for example, the authentication information displayed on the terminal device 200 by the user by inputting an ID (identification) and a password in the input form and the consent or disapproval of the information linkage are selected and generated. The consent confirmation information is transmitted to the account provider server device 30. The account provider server device 30 verifies the user's legitimacy by collating the authentication information with the information related to the user's identity verification associated with the authentication information. As a result, in the account provider server device 30, it is possible to grasp that the user has consented to the linkage of the attribute information based on the consent confirmation information, and it is possible to eliminate the spoofing of the user.

In S23 and S24, the means for acquiring online banking authentication information from the user's terminal device 200 using an application related to online banking has been described for user authentication and confirmation of consent for cooperation, but the present invention is not limited to this. Any means can be used by the account provider to authenticate the customer and confirm the consent of the cooperation.

Next, in S25, the intermediary server device 10 acquires a consent response from the account provider server device 30 in the first acquisition unit 12. The consent response includes, for example, "consent confirmation information". As a result, it is understood that the user has consented to the provision of the attribute information from the financial institution to the intermediary server device 10.

Next, in S26, the intermediary server device 10 executes the attribute information request process based on the consent response (for example, consent confirmation information).

Here, the attribute information request processing is a process in which the attribute request unit 17 generates an attribute information request for requesting the attribute information from the account provider server device 30. The attribute information request includes, for example, "user account information" and "user information". The intermediary server device 10 transmits the attribute information request to the account provider server device 30.

Next, in S27, the account provider server device 30 refers to the third information table 31a based on the attribute information request (for example, user information) in the third transmission unit 33, and the attribute information of the user. Is transmitted to the intermediary server device 10.

Next, in S28, the wallet provider server device 20 acquires the user attribute information from the intermediary server device 10 in the second acquisition unit 22. The wallet provider server device 20 executes an allocation determination process for determining whether or not electronic money can be allocated to the wallet based on the attribute information.

Here, the appropriation determination process includes attribute information acquired from the account provider server device 30 and a predetermined information table (for example, the third information table 31a) possessed by the wallet provider server device 20 in the appropriation determination unit 25. It is a process of determining whether or not the user is legitimate by collating with the attribute information stored in the same table). In the appropriation determination unit 25, when the acquired attribute information and the stored attribute information match, it is determined that the user is legitimate. In this case, it is determined that electronic money can be applied to the user's wallet. As a result, it is possible to eliminate spoofing of the user.
=== Processing procedure of the intermediary server device 10 ===

The processing procedure of the intermediary server device 10 will be described with reference to FIG. 7. FIG. 7 is a flow chart showing an example of the processing procedure of the intermediary server device 10.

First, in S100, the intermediary server device 10 acquires the first confirmation request from the wallet provider server device 20.

Next, in S101, the intermediary server device 10 executes a specific process for identifying the user's account based on the first confirmation request.

Next, in S102, the intermediary server device 10 transmits a second confirmation request informing the account provider server device 30 whether the user's terminal device 200 is requesting allocation.

Next, in S103, the intermediary server device 10 acquires an authentication result indicating that the legitimacy of the user has been authenticated from the account provider server device 30 through online banking or through risk-based authentication described later.

Next, in S104, the intermediary server device 10 generates a remittance instruction by executing a remittance instruction process based on the authentication result.

Next, in S105, the intermediary server device 10 transmits the remittance instruction to the account provider server device 30.

Next, in S106, the intermediary server device 10 receives the remittance according to the remittance instruction from the account provider in the intermediary account. The intermediary server device 10 transfers money from the intermediary account to the wallet account by executing the second remittance process.

As a result, when applying to the wallet, spoofing of the user is eliminated, and the wallet is applied to the wallet without concluding a contract regarding the application of the wallet between the wallet provider and the account provider (bank, etc.). Appropriation can be realized.
=== Hardware configuration ===

With reference to FIG. 8, an example of a hardware configuration in which the intermediary server device 10, the wallet provider server device 20, and the account provider server device 30 are realized by the computer 100 will be described. The function of each device can be realized by dividing it into a plurality of devices.

FIG. 8 is a diagram showing an example of the hardware configuration of the computer. As shown in FIG. 8, the computer 100 includes a processor 101, a memory 102, a storage device 103, an input I / F unit 104, a data I / F unit 105, a communication I / F unit 106, and a display device. Includes 107.

The processor 101 is a control unit that controls various processes in the computer 100 by executing a program stored in the memory 102.

The memory 102 is, for example, a storage medium such as a RAM (Random Access Memory). The memory 102 temporarily stores the program code of the program executed by the processor 101 and the data required when the program is executed.

The storage device 103 is a non-volatile storage medium such as a hard disk drive (HDD) or a flash memory. The storage device 103 stores an operating system and various programs for realizing each of the above configurations.

The input I / F unit 104 is a device for receiving input from the user. Specific examples of the input I / F unit 104 include a keyboard, a mouse, a touch panel, various sensors, a wearable device, and the like. The input I / F unit 104 may be connected to the computer 100 via an interface such as USB (Universal Serial Bus).

The data I / F unit 105 is a device for inputting data from the outside of the computer 100. Specific examples of the data I / F unit 105 include a drive device for reading data stored in various storage media. It is also conceivable that the data I / F unit 105 is provided outside the computer 100. In that case, the data I / F unit 105 is connected to the computer 100 via an interface such as USB.

The communication I / F unit 106 is a device for performing data communication via the Internet N by wire or wirelessly with an external device of the computer 100. It is also conceivable that the communication I / F unit 106 is provided outside the computer 100. In that case, the communication I / F unit 106 is connected to the computer 100 via an interface such as USB.

The display device 107 is a device for displaying various types of information. Specific examples of the display device 107 include a liquid crystal display, an organic EL (Electro-Luminescence) display, a display of a wearable device, and the like. The display device 107 may be provided outside the computer 100. In that case, the display device 107 is connected to the computer 100 via, for example, a display cable or the like. Further, when the touch panel is adopted as the input I / F unit 104, the display device 107 can be integrally configured with the input I / F unit 104.
=== Other embodiments ===

For example, when the user has a plurality of accounts, the remittance mediation system 1 may be configured so that the user can select an account for allocating electronic money to the wallet via the terminal device 200. As a result, the convenience of the user is improved for the allocation of the wallet.

In the remittance intermediary system 1, when each of a plurality of users allocates electronic money to the wallet, one account provider executes remittance processing from each user account of the plurality of users to the intermediary account, and the intermediary account. It may be configured to collectively transfer the electronic money desired by a plurality of users to the wallet account. As a result, the remittance fee from the intermediary account to the wallet account can be reduced.

In the above-mentioned "wallet allocation procedure", the account provider server device 30 has been described as authenticating the user through online banking, but the present invention is not limited to this. For example, the account provider server device 30 may include a risk-based authentication unit instead of the first authentication unit 34. Specifically, the risk-based authentication unit sends a start request (second start request) for activating a user interface including a user-specific question to a pre-registered user to the user's terminal device 200. To do. The risk-based authentication unit receives a reply from the user via the user's terminal device 200, and determines whether or not the reply is valid. When it is determined that the answer is valid, the user is determined to be valid, and the process is executed from S7 in FIG. As a result, the amount of information processing in the account provider server device 30 can be reduced.

In the above-mentioned "attribute determination procedure", it has been described that the wallet provider server device 20 collates the attribute information to determine whether or not the appropriation is appropriate, but the present invention is not limited to this. For example, the account provider server device 30 collates the attribute information, and the collation result is transmitted to the wallet provider server device 20, so that the wallet provider server device 20 determines whether or not the appropriation is possible. May be good. This processing procedure will be described below with reference to FIG. FIG. 9 is a schematic diagram showing another example of the attribute determination procedure in the remittance brokerage system 1. In FIG. 9, since S30 to S35 are the same as S20 to S25 in FIG. 3, the description thereof will be omitted.

First, in S36, the intermediary server device 10 executes an attribute information request process for requesting the provision of attribute information based on the consent response (for example, consent confirmation information). Since the attribute information request processing is as described above, the description thereof will be omitted. The intermediary server device 10 transmits the attribute information request to the wallet provider server device 20.

Next, in S37, the wallet provider server device 20 refers to the third information table 31a based on the attribute information request (for example, user information) in the second transmission unit 23, and the attribute information of the user. Is transmitted to the intermediary server device 10.

Next, in S38, the account provider server device 30 acquires the user attribute information from the intermediary server device 10 in the third acquisition unit 32. The account provider server device 30 executes the collation process based on the attribute information.

Here, in the collation process, the collation unit 37 collates the attribute information acquired from the intermediary server device 10 with the user attribute information stored in the third information table 31a of the account provider server device 30. By doing so, it is a process of generating collation result information indicating the collation result. Hereinafter, the collation result is a result indicating that the attribute information acquired from the intermediary server device 10 and the attribute information stored in the account provider server device 30 match.

Next, in S39, the intermediary server device 10 acquires the collation result information from the account provider server device 30 in the first acquisition unit 12. The intermediary server device 10 transmits the collation result information to the wallet provider server device 20 in the first transmission unit 13.

Next, in S40, the wallet provider server device 20 acquires the collation result information in the second acquisition unit 22, and the appropriation determination unit 25 executes the appropriation determination process based on the collation result information. In the appropriation determination process in this case, it is determined that the user is legitimate based on the collation result information. As a result, it is possible to eliminate spoofing of the user.
=== Summary ===

The remittance mediation system 1 in the present embodiment identifies the user from the user's terminal device 200 via the wallet provider server device 20 (wallet provider) that provides the wallet, for example, "user ID". The first acquisition unit 12 that acquires (identification information) and the first confirmation request (appropriation request) for allocating the electronic money (value information) requested by the user to the wallet, and the "user ID" (identification). With reference to the first information table 11a (correspondence-related information) that associates the user with a predetermined financial institution based on the information), the specific unit 14 that identifies the financial institution corresponding to the user and the first Based on the confirmation request (appropriation request), the financial institution is instructed to perform the first remittance processing for allocating electronic money (value information) to the wallet using the account of the financial institution owned by the user. A first transmission unit 13 for transmitting to the account provider server device 30 is provided. According to this embodiment, since the contract between the account provider and the wallet provider for applying to the user's wallet is not required, the procedure can be simplified. In addition, since it is not necessary for the wallet provider to construct a system for each financial institution, the system can be simplified.

In the remittance intermediary system 1 of the present embodiment, the first transmission unit 13 has a second confirmation for confirming the validity of the user in the account provider server device 30 (financial institution) regarding the execution of the first remittance process. Send the request (confirmation request) to the financial institution. According to this embodiment, it is possible to prevent the disadvantage of the user due to spoofing or the like.

In the money transfer intermediary system 1 of the present embodiment, the account provider server device 30 (financial institution) is made to send the second confirmation request to the account provider server device 30 (financial institution) in the first transmission unit 13. On the other hand, in order to confirm the legitimacy of the user by online banking, an online banking activation request for the user's terminal device 200 (user) to activate online banking from the account provider server device 30 (financial institution). (First activation request) is sent. According to this embodiment, it is possible to prevent the disadvantage of the user due to spoofing or the like by using online banking that can easily construct a system.

In the remittance mediation system 1 of the present embodiment, the account provider server device 30 (financial institution) is made to send the second confirmation request to the account provider server device 30 (financial institution) in the first transmission unit 13. On the other hand, in order to confirm the legitimacy of the user by risk-based authentication, the account provider server device 30 (financial institution) executes risk-based authentication on the user's terminal device 200 (user). Send a start request (second start request) to start the user interface. According to the present embodiment, by using risk-based authentication, which is a strong authentication means, it is possible to more reliably prevent the disadvantage of the user due to spoofing or the like.

In the remittance mediation system 1 of the present embodiment, the first acquisition unit 12 acquires an authentication result indicating that the legitimacy of the user has been authenticated by the account provider server device 30 (financial institution), and first transmits. Based on the authentication result, the unit 13 transmits a remittance instruction for executing the first remittance process to the account provider server device 30 (financial institution). According to the present embodiment, since the remittance is sent to the financial institution after the verification of legitimacy, it is possible to more reliably prevent the disadvantage of the user due to spoofing or the like.

The remittance brokerage system 1 in the present embodiment transfers money from the user account of the user at the financial institution to the brokerage account (predetermined account) by the first remittance process executed by the account provider server device 30 (financial institution). Taking this opportunity, the second remittance department 16 that executes the second remittance process for remittance of money corresponding to the amount transferred to the intermediary account (predetermined account) to the wallet account of the wallet provider, To be equipped. According to this embodiment, even if there is no direct fund transfer contract between the wallet provider and the account provider, or even if the wallet provider does not have a corporate account, smooth financial communication is possible.

In the money transfer intermediary system 1 of the present embodiment, the first acquisition unit 12 acquires attribute information indicating the user's attributes from the wallet provider server device 20 (wallet provider), and the first transmission unit 13 receives the attribute information indicating the user's attributes. The attribute information is transmitted to the account provider server device 30 (financial institution) so that the account provider server device 30 (financial institution) can determine whether or not the user is valid. According to the present embodiment, the user's disadvantage due to spoofing or the like can be prevented by having the account provider determine the validity of the user attribute information acquired by the wallet provider.

In the remittance mediation system 1 of the present embodiment, the first acquisition unit 12 acquires the attribute information indicating the user's attribute from the account provider server device 30 (financial institution), and the first transmission unit 13 acquires the attribute information. Attribute information is transmitted to the wallet provider server device 20 (wallet provider) so that the wallet provider server device 20 (wallet provider) can determine whether or not the user is legitimate. .. According to the present embodiment, the user's disadvantage due to spoofing or the like can be prevented by having the wallet provider determine the validity of the user attribute information acquired by the account provider.

1 ... Remittance mediation system, 10 ... Mediation server device, 12 ... 1st acquisition unit, 13 ... 1st transmission unit, 14 ... Specific unit, 16 ... 2nd remittance department, 20 ... Wallet provider server device, 30 ... Account Provider server device, 200 ... Terminal device

Claims (11)

Acquisition from the user through the wallet provider that provides the wallet, the identification information that identifies the user and the allocation request for applying the value information requested by the user to the wallet. Department and
Based on the identification information, the specific unit that identifies the financial institution corresponding to the user by referring to the correspondence information indicating the correspondence relationship between the user and the predetermined financial institution, and
Based on the appropriation request, the financial institution is instructed to perform a remittance process for appropriating the value information to the wallet using the account of the financial institution owned by the user. The transmitter to send and
Remittance brokerage system with. The remittance intermediary system according to claim 1, wherein the remittance unit transmits a confirmation request for confirming the validity of the user at the financial institution with respect to the execution of the remittance process. By having the financial institution send the confirmation request in the transmitting unit, the user is made to confirm the legitimacy of the user by online banking from the financial institution to the online. The remittance intermediary system according to claim 2, wherein the first activation request for invoking banking is transmitted. By causing the financial institution to send the confirmation request in the transmitting unit, the user is asked to confirm the validity of the user by risk-based authentication from the financial institution. The remittance intermediary system according to claim 2, wherein a second activation request for invoking a user interface for performing risk-based authentication is transmitted. The acquisition unit acquires an authentication result indicating that the legitimacy of the user has been authenticated at the financial institution from the financial institution.
The remittance intermediary system according to any one of claims 2 to 4, wherein the remittance unit transmits the remittance instruction for executing the remittance process to the financial institution based on the authentication result. When the remittance process executed by the financial institution transfers money from the user's account at the financial institution to a predetermined account, the money corresponding to the amount transferred to the predetermined account is transferred to the wallet. The remittance intermediary system according to any one of claims 1 to 5, further comprising a remittance unit that executes remittance processing for remittance to the account of the provider. The acquisition unit acquires attribute information indicating the attributes of the user from the wallet provider, and obtains the attribute information.
The remittance according to any one of claims 1 to 6, wherein the transmitting unit transmits the attribute information to the financial institution so that the financial institution can determine whether or not the user is legitimate. Mediation system. The acquisition unit acquires attribute information indicating the attributes of the user from the financial institution, and obtains attribute information indicating the attributes of the user.
Claims 1 to claim that the transmission unit transmits the attribute information to the wallet provider in order to cause the wallet provider to determine whether or not the user is legitimate based on the attribute information. The remittance intermediary system according to any one of 6. The remittance intermediary system according to any one of claims 1 to 8, wherein the financial institution is a bank. The computer
Obtaining the identification information that identifies the user and the allocation request for applying the value information requested by the user to the wallet from the user through the wallet provider that provides the wallet. When,
To identify the financial institution corresponding to the user by referring to the predetermined information table in which the user is associated with the predetermined financial institution based on the identification information.
Based on the appropriation request, the financial institution is instructed to perform a remittance process for appropriating the value information to the wallet using the account of the financial institution owned by the user. To send and
Remittance brokerage method to perform. On the computer
Obtaining the identification information that identifies the user and the allocation request for applying the value information requested by the user to the wallet from the user through the wallet provider that provides the wallet. When,
To identify the financial institution corresponding to the user by referring to the predetermined information table in which the user is associated with the predetermined financial institution based on the identification information.
Based on the appropriation request, the financial institution is instructed to perform a remittance process for appropriating the value information to the wallet using the account of the financial institution owned by the user. To send and
A program to execute.

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