JP2022015261A - Provision device, provision method and provision program - Google Patents

Abstract

To provide an added value in transfer of a money.SOLUTION: A provision device has: a reception unit which receives a remittance amount, and purpose information indicating a purpose of remittance of the remittance amount from a remitter; a remittance processing unit which performs processing of shifting the remittance amount from an account held by the remitter to the account held by a recipient which is a remittance destination of the remittance amount; and a provision unit which provides contents of a mode according to the purpose information (for example, an icon indicating a Noshi, a Mizuhiki, etc. according to the purpose, and voice outputted according to the remittance) to the remitter and the recipient.SELECTED DRAWING: Figure 1

Description

The present invention relates to a providing device, a providing method, and a providing program.

Conventionally, techniques for supporting payment of ceremonies and incense at ceremonial occasions have been known. As an example of such technology, at an event such as a ceremonial occasion held by the recipient, the attendance schedule of whether or not the payer participates and the desire for the payer to pay the recipient by credit transaction at the event. A technique has been proposed in which the amount of money is received from the payer terminal, the credit transaction is executed, and the attendance schedule and the amount of the credit transaction are notified to the recipient terminal.

Japanese Unexamined Patent Publication No. 2018-205844

However, the above-mentioned prior art cannot always provide added value in giving and receiving money.

For example, the above-mentioned conventional technique merely describes a technique that allows the recipient to view information such as the payer's participation schedule and the amount of the celebration, and at an event such as a ceremonial occasion. It is not always possible to provide added value in giving and receiving money.

The present application has been made in view of the above, and an object of the present application is to provide a providing device, a providing method, and a providing program capable of providing added value in the transfer of money.

The providing device according to the present application receives the remittance amount from the reception unit that receives the remittance amount and the purpose information indicating the purpose of the remittance of the remittance amount from the remittance person, and the remittance destination of the remittance amount from the account held by the remittance person. Having a remittance processing unit that executes a process of transferring the remittance amount to an account held by the remittance person, and a providing unit that provides the remittance person and the remittance person with contents in a mode corresponding to the purpose information. It is a feature.

According to one aspect of the embodiment, it has the effect of being able to provide added value in giving and receiving money.

FIG. 1 is a diagram showing an example of a provision process according to an embodiment. FIG. 2 is a diagram (1) showing an example of a screen of the terminal device according to the embodiment. FIG. 3 is a diagram (2) showing an example of a screen of the terminal device according to the embodiment. FIG. 4 is a diagram showing a configuration example of a payment server according to an embodiment. FIG. 5 is a diagram showing an example of an account database according to an embodiment. FIG. 6 is a diagram showing an example of an icon information database according to an embodiment. FIG. 7 is a diagram showing an example of a user information database according to an embodiment. FIG. 8 is a diagram (3) showing an example of a screen of the terminal device according to the embodiment. FIG. 9 is a flowchart showing an example of the procedure of the provision process according to the embodiment. FIG. 10 is a hardware configuration diagram showing an example of a computer that realizes the function of a payment server.

Hereinafter, the provision device, the provision method, and the embodiment for implementing the provision program (hereinafter referred to as “embodiment”) according to the present application will be described in detail with reference to the drawings. It should be noted that this embodiment does not limit the providing device, the providing method, and the providing program according to the present application. Further, in each of the following embodiments, the same parts are designated by the same reference numerals, and duplicate explanations are omitted.

[1. Embodiment]
The providing process realized by the providing apparatus and the like of this embodiment will be described with reference to FIG. FIG. 1 is a diagram showing an example of a provision process according to an embodiment. In FIG. 1, it is assumed that the payment server 10, which is an example of the providing device according to the present embodiment, realizes the providing process according to the embodiment.

As shown in FIG. 1, the provision system 1 according to the embodiment includes a payment server 10 and a terminal device 100. The payment server 10 and the terminal device 100 are connected to each other via a network N (see, for example, FIG. 4) so as to be able to communicate with each other by wire or wirelessly. The network N is, for example, a WAN (Wide Area Network) such as the Internet. The providing system 1 shown in FIG. 1 may include a plurality of payment servers 10 and a plurality of terminal devices 100.

The payment server 10 shown in FIG. 1 is an information processing device that executes a provision process according to an embodiment, and is realized by a server device, a cloud system, or the like. For example, the payment server 10 provides an electronic payment service related to electronic payment using the terminal device 100. For example, the payment server 10 manages the accounts of the provider of the transaction target and the user to which the transaction target is provided, and transfers electronic money between the accounts in accordance with the payment request from the user. Realize various payments. The electronic money may be, for example, points or currencies independently used by various companies, or may be money provided by the state such as Japanese yen or dollars that can be electronically traded. good.

The terminal device 100 shown in FIG. 1 is an information processing device used by a user. The terminal device 100 is realized by, for example, a smartphone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. Further, the terminal device 100 displays the information distributed by the payment server 10 by a web browser or an application.

In the example shown in FIG. 1, a case where the terminal device 100 is a smartphone is shown. Further, in the example shown in FIG. 1, the terminal device 100 will be described as the terminal devices 100-1 to 100-N (N is an arbitrary natural number) depending on the user who uses the terminal device 100. For example, the terminal device 100-1 is a terminal device 100 used by a user (user U1) identified by the user ID "U1". Further, in the following, when the terminal devices 100-1 to 100-N will be described without particular distinction, they will be referred to as the terminal device 100.

Further, when the terminal device 100 receives the control information for realizing the predetermined information processing from the payment server 10, the terminal device 100 realizes the information processing according to the control information. Here, the control information is described in, for example, a script language such as Javascript (registered trademark) or a style sheet language such as CSS (Cascading Style Sheets). The predetermined application itself distributed from the payment server 10 may be regarded as control information.

[1-1. About payment using terminal device 100]
Here, an example of payment (electronic payment) using the terminal device 100 will be described prior to the provision processing executed by the payment server 10. In the following description, an application distributed from the payment server 10 for electronic payment using the terminal device 100 (hereinafter, may be simply referred to as a “payment application”) is installed in the terminal device 100. It is assumed that it has been done. Further, in the following description, the user U1 uses the two-dimensional code (QR code (registered trademark)) arranged in the store and indicates the store identification information for identifying the store, and the user U1 uses the terminal device 100. An example of making a payment using -1 will be described, but the embodiment is not limited to this. The example of payment described below can be applied even when an arbitrary user makes a payment at an arbitrary store using an arbitrary terminal device 100. Further, the store identification information may be not only a QR code but also a barcode, a predetermined mark, a number, or the like.

For example, when the user U1 uses or purchases a payment target (transaction target) such as various products or services at a store, the user U1 uses a payment application pre-installed on the terminal device 100-1. to start. Then, the user U1 photographs the store identification information installed in the store via the payment application. In such a case, the terminal device 100-1 displays a screen for inputting the price to be settled, and accepts the input of the settlement amount from the user U1 or the store clerk. Then, the terminal device 100-1 setstles the user identification information for identifying the user U1 and the store identification information (or the information indicated by the store identification information, that is, the information indicating the store (for example, the store ID)). The payment information indicating the amount of money is transmitted to the payment server 10.

In such a case, the payment server 10 transfers the electronic money of the amount indicated by the payment amount from the account of the user U1 indicated by the user identification information to the account of the store indicated by the store identification information. Then, the payment server 10 transmits a notification to the terminal device 100-1 that the payment has been completed. In such a case, the terminal device 100-1 notifies that the payment has been made by electronic money by outputting a screen indicating that the payment has been completed and a predetermined voice.

The payment using the terminal device 100 is not limited to the above-mentioned processing. For example, the payment using the terminal device 100 may be performed using a store terminal installed in the store. To give a specific example, the terminal device 100-1 displays the user identification information for identifying the user U1 on the screen. In such a case, the store terminal installed in the store reads the user identification information displayed on the terminal device 100-1, and the user identification information (or the information indicated by the user identification information, that is, the user U1). Information (for example, user ID) indicating the above, the payment amount, and the payment information indicating the information for identifying the store are transmitted to the payment server 10. In such a case, the payment server 10 transfers the electronic money of the amount indicated by the payment amount from the account of the user U1 indicated by the user identification information to the account of the store, and the store terminal or the terminal device 100- of the store. You may notify 1 that the payment has been made by outputting a screen indicating that the payment has been completed or a predetermined voice.

Further, the payment using the terminal device 100 is not only a process of transferring the electronic money from the account charged with the electronic money in advance by the user U1 to the account of the store, but also, for example, a credit card registered in advance by the user U1. It may be the payment used. In such a case, for example, the terminal device 100 may transfer the electronic commerce payment amount to the store account and charge the payment amount to the credit card management company of the user U1.

Further, the payment using the terminal device 100-1 is not only a process of transferring electronic money from the account of the user U1 to the account of the store, but also, for example, from the account of the user U1 to the account of another user. It may be a payment for transferring electronic money (that is, a remittance between users). For example, the terminal device 100-1 used by the user U1 of the remittance source has user identification information for identifying the user of the remittance destination (for example, the user identification displayed on the terminal device used by the user of the remittance destination). Information) is read, the input of the remittance amount is received from the user U1, and the read identification information, the remittance amount, and the information indicating the user identification information for identifying the user U1 are transmitted to the payment server 10. In such a case, the payment server 10 transfers the electronic money of the amount indicated by the remittance amount from the account of the user U1 to the account of the user of the remittance destination, and the terminal device 100-1 or the user of the remittance destination. The terminal device used by the user may be notified that the remittance has been performed by outputting a screen indicating that the remittance has been completed or a predetermined voice.

The remittance using the terminal device 100 is not limited to the above-mentioned processing. For example, remittance using the terminal device 100 may be performed by inputting the telephone number of the user of the remittance destination and information indicating the user of the remittance destination (for example, user ID) into the terminal device 100. .. To give a specific example, the terminal device 100-1 accepts the input of the remittance destination user's telephone number or user ID and the remittance amount from the user U1, and the input telephone number or user ID. And the remittance amount and the user identification information that identifies the user U1 are transmitted to the payment server 10. Then, the payment server 10 transfers the electronic money of the amount indicated by the remittance amount from the account of the user U1 to the account of the user associated with the transmitted telephone number or the user ID.

Further, for example, the remittance using the terminal device 100 may be performed by providing the link information for receiving the remittance amount to the user of the remittance destination. To give a specific example, the terminal device 100-1 accepts the input of the remittance amount from the user U1 and generates the link information for receiving the remittance amount, and sends an e-mail containing the link information or links. By posting the posted information including the information to the SNS (Social Networking Service), the link information is provided to the terminal device used by the user of the remittance destination. Then, when the user of the remittance destination selects the link information and performs the receiving operation, the payment server 10 electronically transfers the amount indicated by the remittance amount from the account of the user U1 to the account of the user of the remittance destination. Transfer money.

[1-2. About the outline of the embodiment]
Here, as a technique for supporting payment of ceremonies and incense at ceremonial occasions, the attendance schedule of whether or not the payer participates in an event such as a ceremonial occasion held by the recipient and the relevant A technology that receives from the payer terminal the desired amount that the payer pays to the payee through the credit transaction at the event, executes the credit transaction, and notifies the payee terminal of the attendance schedule and the amount of the credit transaction. Proposed. However, such technology only allows the recipient to view information such as the payer's participation schedule and the amount of the celebration, and adds value to the transfer of money at events such as ceremonial occasions. Can not always be provided.

Therefore, the payment server 10 executes the provision process according to the embodiment. Hereinafter, the provision process executed by the payment server 10 will be described with reference to FIG. In the following explanation, it is assumed that the wedding ceremony is hosted at the venue A by the user U2 who is the bride or the groom.

Further, in the following description, the terminal device 100-1 may be equated with the user U1 and the terminal device 100-2 may be equated with the user U2. That is, in the following, the user U1 can be read as the terminal device 100-1, and the user U2 can be read as the terminal device 100-2.

First, the user U1 who is a participant of the wedding visits the venue A and uses the terminal device 100-1 for the identification information (QR code) presented by any of the receptionists R1, R2, .... Read using (step S1). For example, the user U2 prints the QR code C indicating the user identification information for identifying the user U2 on a predetermined medium and distributes it to the receptionists R1, R2, .... Then, the user U1 activates the payment application and shoots the QR code C via the payment application.

Subsequently, the terminal device 100-1 displays an input screen for inputting remittance information regarding remittance (step S2). For example, the terminal device 100-1 has a remittance amount to the user U2 (in other words, a congratulatory amount), a remittance format corresponding to the occasion in which the user U1 is placed (in other words, the purpose of the remittance), and the user. An input screen for inputting remittance information indicating the name of U1 and the selection of the voice to be output to the terminal device 100-1 when the remittance is completed is displayed.

Subsequently, the user U1 inputs the remittance information on the input screen displayed on the terminal device 100-1 (step S3). For example, the user U1 inputs remittance information indicating the above information.

Subsequently, the terminal device 100-1 transmits the remittance information to the payment server 10 (step S4). For example, the terminal device 100-1 has the user identification information for identifying the user U1 and the user identification information for identifying the user U2, together with the remittance information input to the input screen in response to the operation from the user U1. Is transmitted to the payment server 10.

Subsequently, the payment server 10 transfers the remittance amount indicated by the remittance information to the remittance destination account (step S5). For example, the payment server 10 transfers the amount of electronic money indicated by the remittance amount from the account of the user U1 to the account of the user U2.

Subsequently, the payment server 10 provides the terminal device 100-1 with the content corresponding to the remittance information (step S6). For example, the payment server 10 provides a screen indicating that the remittance has been completed and a payment sound according to the remittance information.

Subsequently, the terminal device 100-1 outputs the content provided by the payment server 10 (step S7). For example, the terminal device 100-1 displays a screen indicating that the remittance has been completed and outputs a payment sound.

Here, an example of a screen displayed by the terminal device 100-1 in the above-described embodiment will be described with reference to FIG. FIG. 2 is a diagram (1) showing an example of a screen of the terminal device according to the embodiment.

As shown in FIG. 2, the terminal device 100-1 displays a screen SC11 for inputting a remittance amount to the user U2 after reading the QR code C. For example, the terminal device 100-1 has an area AR11 for performing a remittance format selection operation corresponding to an occasion, an area AR12 for performing a remittance amount input operation, and an instruction for determining the operation content for each area. Display the screen SC11 including the button B11 of. To give a specific example, the terminal device 100-1 has a remittance format indicating that it is a celebration or non-celebration (for example, "marriage celebration", "birth celebration", "New Year's present", "incense ceremony", etc. ) And a remittance format (for example, "normal remittance") indicating that it is not a congratulatory or uncongratulatory message are displayed in the pull-down area AR11, and a selection operation for either of them is accepted. Here, it is assumed that the remittance format "wedding celebration" is selected in the example of FIG. In this case, the terminal device 100-1 transitions to the screen SC12 for inputting various information according to the remittance format in response to the pressing of the button B11. When "normal remittance" is selected, the terminal device 100-1 transitions to the remittance amount confirmation screen according to the pressing of the button B11, and remittance to the user U2 according to the remittance approval operation on the confirmation screen. The request is transmitted to the payment server 10.

The terminal device 100-1 has an area AR13 for performing an operation of selecting an icon (Noshi and Mizuhiki) matching the remittance format, an area AR14 for performing a table writing selection operation assigned to the icon, and a sender assigned to the icon. Area AR15 for inputting a name (name of user U1), button B12 for instructing that the sender name is a joint name, area AR16 for performing a payment sound selection operation, and each area. Display the screen SC12 including the button B13 for instructing the confirmation of the operation content for. For example, the terminal device 100-1 displays an icon including the Noshi and an icon not including the Noshi for each type of Mizuhiki. Further, the terminal device 100-1 displays a table such as "marriage congratulation", "birth congratulation", "mikoden", etc. in the pull-down area AR14, and accepts a selection operation for any of them. Further, when the button B12 is pressed, the terminal device 100-1 further displays an area for inputting a plurality of sender names, an organization name to which the plurality of senders belong, and the like. Further, the terminal device 100-1 displays text information indicating a payment sound such as "Congratulations on marriage" or "Congratulations on your marriage" in the area AR16 by pulling down, and accepts a selection operation for any of them. When the button B13 is pressed, the terminal device 100-1 transitions to the screen SC13 for confirming the remittance amount and the icon.

The terminal device 100-1 has an icon I11 based on the information selected or input on the screen SC12, a button B14 for instructing the modification of the icon I11, a button B15 for instructing the saving of the icon I11, and a remittance amount. The screen SC13 including the area AR17 for confirming and re-inputting the above and the button B16 for instructing the confirmation of the operation content for each area is displayed. For example, the terminal device 100-1 displays the icon I11 in which the table selected in the area AR14 and the sender name input in the area AR15 are added to the icon selected in the area AR13. Here, when the button B14 is pressed, the terminal device 100-1 transitions to the screen SC12 and accepts the icon selection operation and the like again. Further, when the button B15 is pressed, the terminal device 100-1 stores the setting of the icon I11. When the button B16 is pressed, the terminal device 100-1 transmits the remittance amount and the information selected or input on the screen SC12 to the payment server 10 as remittance information. Then, the terminal device 100-1 accepts the content provided from the payment server 10 according to the remittance information, and displays the screen SC14 that outputs the accepted content.

The terminal device 100-1 displays the screen CS14 including the area AR18 indicating that the remittance has been completed, and outputs the payment sound selected on the screen SC12. For example, the terminal device 100-1 displays information such as the icon I11, information indicating that the remittance (payment) has been made to the user U2, the remittance amount, and the like in the area AR18.

In this way, at the place where the reception is performed, the payment sound corresponding to the remittance to the user U2 is output from the terminal device 100-1, so that the receptionists R1, R2, ... You can confirm that the congratulatory payment has been made.

Before visiting the venue A, the screens SC11 to SC14 may be displayed even when the user U1 remits money to the user U2 in advance by the method described above. As a result, the user U1 can prove the payment of the congratulatory payment to the user U2 by presenting the screen SC14 to the receptionists R1, R2, ... When visiting the venue A.

Further, the terminal device 100-1 may display a screen SC12 showing information according to the remittance format selected on the screen SC11. For example, when the remittance format "marriage celebration" is selected as shown in FIG. 2, the terminal device 100-1 displays an icon including Noshi and an icon in which Mizuhiki is a knot or a wrinkle knot in the area AR13. do. Further, the terminal device 100-1 displays the area AR14 in which the table "marriage congratulations" is selected in advance, and the area AR16 in which the text information indicating the settlement sound "congratulations on marriage" is selected in advance.

Further, the terminal device 100-1 may display the icon based on the setting of the stored icon. For example, when the button B15 is pressed and the remittance format "wedding celebration" is selected when the user U1 makes another remittance, the terminal device 100-1 automatically uses the icon I11 as the icon used for the remittance. Display on.

Returning to FIG. 1, the explanation will be continued. The payment server 10 provides the terminal device 100-2 with the content corresponding to the remittance information (step S8). For example, the payment server 10 provides the icon I11 together with a notification indicating that the remittance has been accepted from the user U1.

Subsequently, the terminal device 100-2 outputs the content provided by the payment server 10 (step S9). For example, the terminal device 100-2 displays a notification indicating that the remittance has been made from the user U1 on the payment application, and displays the icon I11 according to the selection operation for the notification.

Here, an example of a screen displayed by the terminal device 100-2 in the above-described embodiment will be described with reference to FIG. FIG. 3 is a diagram (2) showing an example of a screen of the terminal device according to the embodiment.

As shown in FIG. 3, the terminal device 100-2 displays the screen SC21 as the initial display screen when the payment application is started. For example, the terminal device 100-2 displays a screen SC21 including a button B21 for instructing the display of a notification regarding remittance. When the button B21 is pressed, the terminal device 100-2 transitions to the screen SC22 that displays a list of notifications regarding remittance.

The terminal device 100-2 displays a screen SC22 including an area AR21 for displaying a notification indicating that a remittance has been made from another user. Here, it is assumed that the notification indicating that the remittance has been performed from the user U1 is selected from the notifications displayed in the area AR21. In this case, the terminal device 100-2 transitions to the screen SC23 for displaying the information regarding the remittance from the user U1.

The terminal device 100-2 displays the screen SC23 including the name of the user U1, the remittance amount from the user U1, the icon I11, and the area AR22 to be displayed.

As described above, the payment server 10 according to the embodiment provides the content corresponding to the congratulatory bag to the remittance destination when the user remits the congratulatory money by electronic payment. As a result, the payment server 10 according to the embodiment can convey the blessing and gratitude to the other party even when the user cannot hand over the blessing. That is, the payment server 10 according to the embodiment can provide added value in the transfer of money in electronic payment.

[2. Payment server configuration]
Next, the configuration of the payment server 10 will be described with reference to FIG. FIG. 4 is a diagram showing a configuration example of a payment server according to an embodiment. As shown in FIG. 4, the payment server 10 has a communication unit 20, a storage unit 30, and a control unit 40.

(About communication unit 20)
The communication unit 20 is realized by, for example, a NIC (Network Interface Card) or the like. Then, the communication unit 20 is connected to the network N by wire or wirelessly, and transmits / receives information to / from the terminal device 100 and the like.

(About the storage unit 30)
The storage unit 30 is realized by, for example, a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory (Flash Memory), or a storage device such as a hard disk or an optical disk. As shown in FIG. 4, the storage unit 30 has an account database 31, an icon information database 32, and a user information database 33.

(About account database 31)
The account database 31 stores various information about the account of the user of the electronic payment service. Here, an example of the information stored in the account database 31 will be described with reference to FIG. FIG. 5 is a diagram showing an example of an account database according to an embodiment. In the example of FIG. 5, the account database 31 has items such as "account ID", "owner information", and "account balance".

"Account ID" indicates identification information for identifying an account. The "owner information" indicates information about the owner (user) who owns the account, and for example, identification information (identifier) for identifying the owner is stored. "Account balance" indicates the balance of the account owned by the user.

That is, FIG. 5 shows an example in which the information of the owner of the account identified by the account ID “AID # 1” is “user # 1” and the account balance is “7800”.

(About the icon information database 32)
The icon information database 32 stores various information related to icons indicating Noshi and Mizuhiki. Here, an example of the information stored in the icon information database 32 will be described with reference to FIG. FIG. 6 is a diagram showing an example of an icon information database according to an embodiment. In the example of FIG. 6, the icon information database 32 has items such as "icon ID", "icon image", and "occasion".

The "icon ID" indicates identification information for identifying the icon. The "icon image" indicates the image information of the icon. "Occasion" indicates an occasion in which the icon indicates a Noshi or Mizuhiki.

That is, FIG. 6 shows an example in which the image information of the icon identified by the icon ID “IID # 1” is “icon image # 1” and the occasion in which the icon is used is “occasion # 1”.

(About user information database 33)
The user information database 33 stores various information about users of the electronic payment service. Here, an example of the information stored in the user information database 33 will be described with reference to FIG. 7. FIG. 7 is a diagram showing an example of a user information database according to an embodiment. In the example of FIG. 7, the user information database 33 has items such as "user ID", "payment history", "remittance history", and "attribute information".

The "user ID" indicates identification information for identifying the user. The "payment history" shows the history of payments made using an electronic payment service, and stores information such as a payment destination (business operator), a payment target (transaction target), and a payment amount. The "remittance history" shows the history of remittances made to other users using the electronic payment service, and stores information such as the remittance destination (user) and the remittance amount. The "attribute information" indicates information regarding the attributes of the user, and for example, information indicating demographic attributes, psychographic attributes, and the like is stored.

That is, in FIG. 7, the payment history of the user identified by the user ID “UID # 1” is “payment history # 1”, the remittance history is “remittance history # 1”, and the attribute information is “attribute information # 1”. Here is an example.

(About control unit 40)
The control unit 40 is a controller, and for example, various programs stored in a storage device inside the payment server 10 by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), or the like use the RAM as a work area. It is realized by being executed. Further, the control unit 40 is a controller, and is realized by, for example, an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). As shown in FIG. 4, the control unit 40 according to the embodiment includes a reception unit 41, a payment processing unit 42, a remittance processing unit 43, and a providing unit 44, and has an information processing function described below. Realize or execute the action.

(About reception desk 41)
The reception unit 41 receives payment information regarding payment from the user to the provider (store, etc.) to be traded. For example, the reception unit 41 displays the user identification information for identifying the user, the store identification information taken through the payment application, and the payment information indicating the payment amount input from the user or the store clerk. Accept from device 100.

The reception unit 41 may receive payment information from the terminal device used by the provider to be traded. For example, when the store terminal reads the user identification information for identifying the user displayed on the terminal device 100 and the payment is made, the reception unit 41 uses the payment information indicating the payment as the store terminal. Accept from.

Further, the reception unit 41 may receive the remittance amount and the purpose information indicating the purpose of the remittance of the remittance amount from the sender. For example, in the example of FIG. 1, the reception unit 41 remittances to the user U2 (the recipient of the remittance amount) and the remittance corresponding to the occasion in which the user U1 (sender) is placed. Information indicating the format, selection of voice to be output to the terminal device 100-1 when the remittance is completed, and the like is received from the terminal device 100-1.

Further, the reception unit 41 may further accept the name of the sender from the sender. For example, in the example of FIG. 1, the reception unit 41 receives information including the name of the user U1 from the terminal device 100-1.

Further, the reception unit 41 may further accept the identification information for identifying the recipient, which is read by the terminal device used by the sender. For example, in the example of FIG. 1, the reception unit 41 receives the user identification information that identifies the user U2 and is indicated by the QR code read by the terminal device 100-1.

Here, it is assumed that a congratulatory or non-congratulatory gift is given jointly. Therefore, the reception unit 41 may accept the remittance amount, the purpose information, and the name of each remittance person belonging to the predetermined group from one remittance person belonging to the predetermined group. For example, the reception unit 41 receives remittance amount, purpose information, the name of each remittance person to be jointly named, and identification information indicating each remittance person to be jointly named from the representative when giving a congratulatory or non-congratulatory remittance by joint name. accept. In addition, the reception unit 41 receives the name of a predetermined group (for example, "BB all").

In addition, the reception unit 41 further makes a remittance request for remittance of an amount corresponding to a part of the remittance amount to one remittance person, and is a remittance person other than one remittance person belonging to a predetermined group. You may accept from. For example, the reception unit 41 is a remittance to the representative when giving a congratulatory or non-congratulatory gift by joint name, and the amount corresponding to a part of the remittance amount from the representative (for example, the remittance amount is equally divided by the number of joint names). Remittance requests related to remittance of (amount) will be accepted from other remittances other than the representative among the remittances with joint names.

In addition, the providing unit 44, which will be described later, may provide a notification to other senders other than one sender belonging to a predetermined group to the effect that the remittance to one sender is performed using the payment application. good.

(About the payment processing unit 42)
The payment processing unit 42 executes payment processing according to the payment information received by the reception unit 41. For example, the payment processing unit 42 transfers the electronic money of the amount indicated by the payment amount from the user's account indicated by the user identification information to the store account indicated by the store identification information.

(About the remittance processing unit 43)
The remittance processing unit 43 executes a process of transferring the remittance amount from the account held by the remittancer to the account held by the recipient who is the remittance destination of the remittance amount. For example, in the example of FIG. 1, the remittance processing unit 43 executes a process of transferring electronic money of the amount indicated by the remittance amount from the account of the user U1 to the account of the user U2.

Further, the remittance processing unit 43 may execute a process of transferring the remittance amount from the account held by the sender to the account held by the recipient indicated by the identification information received by the reception unit 41. For example, the remittance processing unit 43 executes a process of transferring electronic money of the amount indicated by the remittance amount from the account of the user U1 to the account of the user U2 corresponding to the QR code C read by the terminal device 100-1. do.

Further, the remittance processing unit 43 may execute a process of transferring the remittance amount from the account held by the sender to the account held by the individual who is the recipient. For example, in the example of FIG. 1, the remittance processing unit 43 executes a process of transferring electronic money of the amount indicated by the remittance amount from the account of the user U1 to the account of the individual user U2. Further, the remittance processing unit 43 executes a process of transferring the amount of electronic money indicated by the remittance amount from the account held by the sender to the account held by the sole proprietor who is the recipient.

Here, it is assumed that not only the remittance to the individual but also the remittance processing to the corporation is performed. Therefore, the remittance processing unit 43 may execute a process of transferring the remittance amount from the account held by the sender to the account held by the predetermined organization as the recipient. For example, the remittance processing unit 43 transfers electronic money of the amount indicated by the remittance amount (for example, participation fee to the event) from the account held by the sender to the account of the organization that holds the event or the organization that operates the event venue. Execute the process to be migrated. Further, the remittance processing unit 43 executes a process of transferring electronic money of the amount indicated by the remittance amount (for example, donation) from the account held by the remittancer to the account of a predetermined group. Further, the remittance processing unit 43 executes a process of transferring electronic money of the amount indicated by the remittance amount (for example, offering, offering, dedication) from the account held by the sender to the account of the temple or shrine.

Furthermore, there may be a request to perform remittance processing according to the case of giving a congratulatory or non-congratulatory gift under a joint name. Therefore, the remittance processing unit 43 may execute a process of transferring the remittance amount from the account held by one sender to the account held by the recipient. For example, the remittance processing unit 43 executes a process of transferring the amount of electronic money indicated by the remittance amount from the account held by the representative when giving a congratulatory or non-congratulatory gift under the joint name to the account held by the recipient.

Further, the remittance processing unit 43 may execute a process of transferring the amount indicated by the remittance request from the account held by another remittance sender to the account held by one remittance sender. For example, the remittance processing unit 43 corresponds to a part of the remittance amount from the representative from the account held by the remittance other than the representative among the remittances jointly named to the account held by the representative. Execute the process of transferring the amount of electronic money to be transferred.

The remittance processing unit 43 may execute a process of collecting a predetermined amount of money from the sender according to the purpose information. For example, the remittance processing unit 43 subtracts the amount of electronic money corresponding to the remittance format selected by the sender, the selected icon, and the like from the balance of the electronic money of the sender. In addition, when giving a congratulatory or non-congratulatory gift with a joint name, the remittance processing unit 43 will use the electronic money for the amount of money according to the selected remittance format, the selected icon, etc. from the balance of the electronic money of each sender with the joint name. Is subtracted.

In other words, the remittance processing unit 43 may execute a process of collecting a fee according to the purpose information from the sender. For example, if the remittance format indicating that it is a congratulatory or non-congratulatory remittance is selected by the sender, the remittance processing unit 43 transfers the electronic money for the remittance amount entered by the sender from the sender's account to the recipient's account. The process of transferring is executed, and the process of transferring the electronic money for the fee corresponding to the selected remittance format and the icon from the sender's account to the account of the administrator of the electronic payment service is executed. Further, when a remittance format indicating that it is a congratulatory or non-congratulatory remittance is selected and an operation using the sender's name as a joint name is performed, the remittance processing unit 43 uses the electronic money of the amount indicated by the remittance amount as the joint name. An electronic payment service from each sender's account that jointly names the electronic money for the fee according to the selected remittance format and icon by executing the process of transferring from the representative's account to the recipient's account. Execute the process of transferring to the administrator's account. That is, the remittance processing unit 43 executes a process of collecting a fee from each remittance sender having a joint name.

(About the provider 44)
The providing unit 44 provides various information regarding the electronic payment service to the user. For example, the providing unit 44 provides the terminal device 100 with control information that realizes screen display processing shown in FIGS. 2, 3, and 8, which will be described later.

In addition, the providing unit 44 may provide the sender and the recipient with the content in a mode corresponding to the purpose information. For example, the providing unit 44 refers to the icon information database 32 and provides the sender and the recipient with the content in the mode corresponding to the target information. To give a specific example, in the example of FIG. 1, the providing unit 44 provides the icon I11 and the payment sound corresponding to the remittance format corresponding to the occasion to the user U1 and provides the icon I11 to the user U2. ..

Further, the providing unit 44 may provide the recipient with contents indicating the purpose of the remittance indicated by the purpose information, the object corresponding to the purpose, the name of the sender, and the remittance amount. For example, in the example of FIG. 1, the providing unit 44 indicates the purpose of the remittance (wedding celebration) and the name of the user U1, the icon I11 corresponding to the purpose, and the remittance amount from the user U1. The indicated content is provided to the user U2.

In addition, the providing unit 44 may provide the recipient with the content of the mode selected by the sender. For example, in the example of FIG. 1, the providing unit 44 provides the user U2 with the icon I11 in an aspect based on the information selected or input in the screen shown in FIG.

In addition, the providing unit 44 may provide the sender and the recipient with the content in a mode corresponding to the remittance amount. For example, the providing unit 44 provides the sender and the recipient with contents including an object in which the color and shape of the Noshi and Mizuhiki are determined according to the remittance amount, an object with decoration according to the remittance amount, and the like. do. To give a specific example, when the remittance amount is equal to or more than a predetermined threshold value (for example, 50,000 yen or 100,000 yen), the providing unit 44 is provided with an object having a mizuhiki shape as a decorative knot or a sword paper. Provides objects, objects with cranes and turtles, etc.

Further, the providing unit 44 may provide content indicating a sound output from the terminal device used by the remittance sender according to the process of transferring the remittance amount. For example, in the example of FIG. 1, the providing unit 44 makes a payment sound after the electronic money of the amount indicated by the remittance amount is transferred from the account of the user U1 to the account of the user U2. To provide and output.

In addition, the providing unit 44 may provide content indicating a sound selected by the sender. For example, in the example of FIG. 1, the providing unit 44 provides the terminal device 100-1 with the payment sound selected on the screen shown in FIG.

In addition, the providing unit 44 may provide the sender with content indicating that the remittance amount has been remitted to the recipient by the sender. For example, in the example of FIG. 1, the providing unit 44 provides a screen to the effect that the remittance has been completed, a screen including the icon I11, and a payment sound to the terminal device 100-1.

Here, when a congratulatory or non-congratulatory gift is given under a joint name, there may be a request to provide each of the jointly named remittances with content in a mode corresponding to the purpose information. In addition, there may be a request that the recipient wants to know the name of each sender who is a joint name. Therefore, even if the providing unit 44 provides the content in the mode corresponding to the purpose information to each remittance person belonging to the predetermined group, and provides the content indicating the name of each remittance person belonging to the predetermined group to the remittance person. good. For example, the providing unit 44 provides the content in a mode corresponding to the target information to each remittance sender input as a joint name by the representative. In addition, the providing unit 44 provides the recipient with content indicating the name of each sender, which is input as a joint name by the representative.

In addition, there may be a desire to improve convenience by providing recipients with content for purchasing rewards for congratulations and non-congratulations. Therefore, the providing unit 44 may provide the recipient with the content for purchasing the transaction target provided by the recipient to the sender, which is the transaction target according to the remittance amount. Here, with reference to FIG. 8, an example of a screen displayed on the terminal device 100 when the content for purchasing the transaction target is provided by the providing unit 44 will be described. FIG. 8 is a diagram (3) showing an example of a screen of the terminal device according to the embodiment. Note that FIG. 8 describes an example in which the content is provided by the providing unit 44 to the terminal device 100-2 used by the user U2 in the example of FIG.

As shown in FIG. 3, the terminal device 100-2 activates the payment application and displays a screen SC31 for narrowing down the transaction history of the user U2 in the electronic payment service according to the operation from the user U2. .. For example, the terminal device 100-2 has a button for narrowing down withdrawals (for example, electronic payment to a store, remittance to other users, etc.) in the transaction history, and deposits (for example, electronic money). Button for narrowing down remittances (charges, remittances from other users, etc.), and buttons for narrowing down remittances made by selecting the remittance format "marriage celebration" for remittances from other users B31 The screen SC31 including the above is displayed. When the button B31 is pressed, the terminal device 100-1 transitions to the screen SC32 showing a list of remittances made by selecting the remittance format "wedding celebration".

The terminal device 100-1 has an area AR31 for instructing the calculation of an amount of money as a guideline for a gift (marriage celebration) and an area for displaying a list of remittances made when the remittance format "marriage celebration" is selected. The screen SC32 including AR32 is displayed. For example, the terminal device 100-2 displays the name of the user who sent money to the user U2, the amount of remittance, and the like in the area AR32. In addition, the terminal device 100-2 displays the ratio of the amount of money (for example, 30%, 50%) as a guideline for the wedding celebration in the area AR31 from the pull-down menu, and calculates the amount multiplied by the selected ratio for each remittance amount. And display it in the area AR32. Further, when the "Give a wedding celebration" button in the area AR32 is pressed, the terminal device 100-2 has a wedding celebration according to the remittance amount from the user corresponding to the button, the attribute information of the user, and the like. Display content for purchasing (eg, a page on a given e-commerce service).

The terminal device 100-2 may hide the button B31 at the time before accepting the remittance performed by selecting the remittance format "wedding celebration". In addition to the remittance format "marriage celebration", if various remittance formats such as "birth celebration", "new year's gift", and "incense ceremony" are selected, the remittance is sent to the user U2. The terminal device 100-2 may display a button for narrowing down the remittance corresponding to various remittance formats.

[3. Flow of provision processing]
Next, the procedure of the provision processing of the payment server 10 according to the embodiment will be described with reference to FIG. FIG. 9 is a flowchart showing an example of the procedure of the provision process according to the embodiment.

As shown in FIG. 9, the settlement server 10 determines whether or not the remittance amount and the purpose information indicating the purpose of the remittance have been received from the sender (step S101). If it is not accepted (step S101; No), it waits until the remittance amount and the purpose information are accepted.

On the other hand, when the remittance amount and the purpose information are received (step S101; Yes), the settlement server 10 transfers the remittance amount from the account held by the sender to the account held by the recipient who is the remittance destination (step). S102). Subsequently, the payment server 10 provides the sender and the recipient with the content in the mode corresponding to the target information (step S103), and ends the process.

[4. Modification example]
The above embodiment shows an example, and various modifications and applications are possible.

[4-1. Remittance format (purpose of remittance)]
In the above-described embodiment, the reception unit 41 has shown an example of accepting a wedding gift, a baby gift, a New Year's gift, an incense gift, etc. as a remittance format corresponding to an occasion in which the sender is placed. Is not limited to such an example. For example, the reception unit 41 may accept any remittance format, such as remittance to the organizer of some event, remittance to a person to whom a congratulatory or non-congratulatory gift is given, remittance to a corporation, and the like. To give a specific example, the reception department 41 accepts parties, drinking parties, welcome and farewell parties, remittances to temples and shrines (for example, offerings, offerings, dedications, etc.), donations to predetermined organizations, and the like as remittance formats. Then, the providing unit 44 provides the sender and the recipient with the content corresponding to the purpose information indicating the accepted remittance format.

[4-2. About content]
In the above-described embodiment, an example in which the providing unit 44 provides the sender and the recipient with an icon or a settlement sound indicating a noshi or mizuhiki selected by the user who is the sender among the contents presented by the electronic payment service. As shown, the function of the providing unit 44 is not limited to such an example. For example, the providing unit 44 may provide a moving image or sound uploaded by the sender or the recipient (for example, a moving image taken by the sender or the recipient or a recorded sound).

[4-3. Recipient identification information]
In the above embodiment, an example in which a user U2 (recipient) prints a QR code C indicating user identification information for identifying himself / herself on a predetermined medium and distributes it to receptionists R1, R2, ... However, the embodiment is not limited to such an example. For example, the payment server 10 may provide the recipient's identification information according to an event or the like hosted by the recipient. Explaining with the example of FIG. 1, the payment server 10 can output the content including the decoration according to the wedding ceremony and the content indicating the QR code C indicating the user identification information of the user U2. Provided in various embodiments. Further, the payment server 10 provides the user U2 with a QR code indicating the user identification information of the user U2 and associated with the remittance format "wedding celebration". When such a QR code is read, the terminal device 100-1 automatically sets the remittance format "wedding celebration".

[4-4. About processing mode]
Of the processes described in the above embodiments, all or part of the processes described as being automatically performed can be performed manually, and conversely, all the processes described as being performed manually. Alternatively, a part thereof can be automatically performed by a known method. In addition, information including processing procedures, specific names, various data and parameters shown in the above documents and drawings can be arbitrarily changed unless otherwise specified. For example, the various information shown in each figure is not limited to the information shown in the figure.

Further, each component of each of the illustrated devices is a functional concept, and does not necessarily have to be physically configured as shown in the figure. That is, the specific form of distribution / integration of each device is not limited to the one shown in the figure, and all or part of them may be functionally or physically distributed / physically in any unit according to various loads and usage conditions. Can be integrated and configured.

In addition, the above-described embodiments can be appropriately combined as long as the processing contents do not contradict each other.

[5. effect〕
As described above, the payment server 10 according to the embodiment includes a reception unit 41, a payment processing unit 42, a remittance processing unit 43, and a providing unit 44. The reception unit 41 receives payment information regarding payment from the user to the provider (store, etc.) to be traded. In addition, the reception unit 41 receives the remittance amount and the purpose information indicating the purpose of the remittance of the remittance amount from the sender. The payment processing unit 42 executes payment processing according to the payment information received by the reception unit 41. The remittance processing unit 43 executes a process of transferring the remittance amount from the account held by the remittancer to the account held by the recipient who is the remittance destination of the remittance amount. The providing unit 44 provides the sender and the recipient with the content in the mode corresponding to the purpose information.

As a result, the payment server 10 according to the embodiment can convey the blessing and gratitude to the other party even when the sender cannot hand over the congratulatory gift, so that the payment server 10 is added to the transfer of money by electronic payment. Can provide value.

Further, in the payment server 10 according to the embodiment, for example, the reception unit 41 further receives the name of the remittance person from the remittance person. Then, the providing unit 44 provides the recipient with contents indicating the purpose of the remittance indicated by the purpose information, the object corresponding to the purpose, the name of the sender, and the remittance amount. In addition, the reception unit 41 and the providing unit 44 provide the recipient with the content of the mode selected by the sender. In addition, the providing unit 44 provides the sender and the recipient with contents in a mode corresponding to the remittance amount. In addition, the providing unit 44 provides content indicating a sound output from the terminal device used by the remittance sender in response to the process of transferring the remittance amount. In addition, the providing unit 44 provides content indicating a sound selected by the sender. In addition, the providing unit 44 provides the sender with content indicating that the remittance amount has been remitted to the recipient by the sender.

As a result, the payment server 10 according to the embodiment can provide any content to the recipient, so that the sender can provide added value in the transfer of money by electronic payment.

Further, in the payment server 10 according to the embodiment, for example, the reception unit 41 further receives the identification information for identifying the recipient, which is read by the terminal device used by the sender. Then, the remittance processing unit 43 executes a process of transferring the remittance amount from the account held by the sender to the account held by the recipient indicated by the identification information received by the reception unit 41. Further, the remittance processing unit 43 executes a process of transferring the remittance amount from the account held by the sender to the account held by the individual who is the recipient. Further, the remittance processing unit 43 executes a process of transferring the remittance amount from the account held by the sender to the account held by the predetermined organization as the recipient.

As a result, the payment server 10 according to the embodiment can realize the remittance processing to any recipient, so that the convenience in the transfer of money by electronic payment can be improved.

Further, in the payment server 10 according to the embodiment, for example, the reception unit 41 transfers the remittance amount, the purpose information, and the name of each remittance person belonging to the predetermined group from one remittance person belonging to the predetermined group. accept. Then, the remittance processing unit 43 executes a process of transferring the remittance amount from the account held by one sender to the account held by the recipient. Then, the providing unit 44 provides the content in the mode corresponding to the purpose information to each remittance person belonging to the predetermined group, and provides the remittance person with the content indicating the name of each remittance person belonging to the predetermined group. In addition, the reception unit 41 further makes a remittance request for remittance of an amount corresponding to a part of the remittance amount to one remittance person, and is a remittance person other than one remittance person belonging to a predetermined group. Accept from. Then, the remittance processing unit 43 executes a process of transferring the amount indicated by the remittance request from the account held by another remittance sender to the account held by one remittance sender.

As a result, the payment server 10 according to the embodiment can provide the content even in the remittance with the joint name to the recipient, so that the convenience in the transfer of money in the electronic payment can be improved.

Further, in the settlement server 10 according to the embodiment, for example, the providing unit 44 is a transaction target according to the remittance amount, and the recipient purchases the content for purchasing the transaction target provided by the recipient to the sender. To provide.

As a result, the payment server 10 according to the embodiment provides content that enables the purchase of the transaction target as a reward to the sender, so that the convenience in the transfer of money by electronic payment can be improved.

[6. Hardware configuration]
Further, the payment server 10 according to each of the above-described embodiments is realized by, for example, a computer 1000 having a configuration as shown in FIG. Hereinafter, the payment server 10 will be described as an example. FIG. 10 is a hardware configuration diagram showing an example of a computer that realizes the function of a payment server. The computer 1000 has a CPU 1100, a ROM 1200, a RAM 1300, an HDD 1400, a communication interface (I / F) 1500, an input / output interface (I / F) 1600, and a media interface (I / F) 1700.

The CPU 1100 operates based on a program stored in the ROM 1200 or the HDD 1400, and controls each part. The ROM 1200 stores a boot program executed by the CPU 1100 when the computer 1000 is started, a program depending on the hardware of the computer 1000, and the like.

The HDD 1400 stores a program executed by the CPU 1100, data used by such a program, and the like. The communication interface 1500 receives data from another device via the communication network 500 (corresponding to the network N of the embodiment) and sends the data to the CPU 1100, and the communication interface 1500 receives data generated by the CPU 1100 via the communication network 500 to another device. Send to the device.

The CPU 1100 controls an output device such as a display or a printer, and an input device such as a keyboard or a mouse via the input / output interface 1600. The CPU 1100 acquires data from the input device via the input / output interface 1600. Further, the CPU 1100 outputs the data generated via the input / output interface 1600 to the output device.

The media interface 1700 reads a program or data stored in the recording medium 1800 and provides the program or data to the CPU 1100 via the RAM 1300. The CPU 1100 loads the program from the recording medium 1800 onto the RAM 1300 via the media interface 1700, and executes the loaded program. The recording medium 1800 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or PD (Phase change rewritable Disk), a magneto-optical recording medium such as MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. And so on.

For example, when the computer 1000 functions as the payment server 10, the CPU 1100 of the computer 1000 realizes the function of the control unit 40 by executing a program loaded on the RAM 1300. Further, the HDD 1400 stores each data in the storage device of the payment server 10. The CPU 1100 of the computer 1000 reads and executes these programs from the recording medium 1800, but as another example, these programs may be acquired from another device via a predetermined communication network.

[7. others〕
Although some of the embodiments of the present application have been described in detail with reference to the drawings, these are examples, and various modifications are made based on the knowledge of those skilled in the art, including the embodiments described in the disclosure column of the invention. It is possible to carry out the present invention in other modified forms.

Further, the configuration of the payment server 10 described above can be flexibly changed, such as by calling an external platform or the like by API (Application Programming Interface), network computing, or the like depending on the function.

Further, the "part" described in the claims can be read as "means" or "circuit". For example, the reception unit can be read as a reception means or a reception circuit.

10 Payment server 20 Communication department 30 Storage department 31 Account database 32 Icon information database 33 User information database 40 Control department 41 Reception department 42 Payment processing department 43 Remittance processing department 44 Providing department 100 Terminal equipment

Claims (15)

The reception department that accepts the remittance amount and the purpose information indicating the purpose of the remittance of the remittance amount from the sender,
A remittance processing unit that executes a process of transferring the remittance amount from the account held by the remittance person to the account held by the remittance recipient who is the remittance destination of the remittance amount.
A providing device comprising a providing unit for providing the content according to the target information to the sender and the recipient. The reception department
Furthermore, the name of the sender is accepted from the sender, and the provider
The first aspect of claim 1, wherein the recipient is provided with content indicating the purpose of the remittance indicated by the purpose information, an object corresponding to the purpose, the name of the sender, and the remittance amount. Providing equipment. The providing part
The providing device according to claim 1 or 2, wherein the content of the embodiment selected by the remittance sender is provided to the remittance recipient. The providing part
The providing device according to any one of claims 1 to 3, wherein the content corresponding to the remittance amount is provided to the remittance sender and the remittance recipient. The providing part
Claims 1 to 4, which are transaction targets according to the remittance amount and are characterized in that the recipient provides the recipient with contents for purchasing the transaction target provided to the sender. The providing device described in any one of them. The providing part
The providing device according to any one of claims 1 to 5, wherein the content indicating a sound output from the terminal device used by the remittance sender is provided according to the process of transferring the remittance amount. .. The providing part
The providing device according to claim 6, wherein the content indicating a sound selected by the sender is provided. The providing part
The providing device according to any one of claims 1 to 7, wherein the sender provides the sender with content indicating that the remittance amount has been sent to the recipient. The reception department
Identification information for identifying the remittance recipient, which is further received and is the identification information read by the terminal device used by the remittance sender, is received.
The remittance processing unit
Claims 1 to 8 characterized in that the process of transferring the remittance amount from the account held by the remittance person to the account held by the remittance person indicated by the identification information received by the reception unit is executed. The providing device according to any one of them. The remittance processing unit
The invention according to any one of claims 1 to 9, wherein the process of transferring the remittance amount from the account held by the sender to the account held by the individual who is the recipient is executed. Providing equipment. The remittance processing unit
One of claims 1 to 9, wherein the process of transferring the remittance amount from the account held by the sender to the account held by the predetermined organization as the recipient is executed. The provided device described. The reception department
The remittance amount, the purpose information, and the name of each remittance person belonging to the predetermined group are accepted from one remittance person belonging to the predetermined group.
The remittance processing unit
A process of transferring the remittance amount from the account held by the one sender to the account held by the recipient is executed.
The providing part
It is characterized in that the content according to the purpose information is provided to each remittance person belonging to the predetermined group, and the content indicating the name of each remittance person belonging to the predetermined group is provided to the remittance recipient. The providing device according to any one of claims 1 to 11. The reception department
Further, a remittance request for a remittance of an amount corresponding to a part of the remittance amount, which is a remittance to the one remittance, is received from a remittance other than the one remittance belonging to the predetermined group.
The remittance processing unit
12. The providing device according to claim 12, wherein the process of transferring the amount indicated by the remittance request from the account held by the other remittance sender to the account held by the one remittance sender is executed. It ’s a computer-executed delivery method.
The reception process that accepts the remittance amount and the purpose information indicating the purpose of the remittance of the remittance amount from the sender, and
A remittance processing step of executing a process of transferring the remittance amount from the account held by the remittance person to the account held by the remittance recipient who is the remittance destination of the remittance amount.
A providing method comprising a providing step of providing the content according to the target information to the sender and the recipient. The reception procedure for accepting the remittance amount and the purpose information indicating the purpose of the remittance of the remittance amount from the sender, and
A remittance processing procedure for executing a process of transferring the remittance amount from the account held by the remittance person to the account held by the remittance recipient who is the remittance destination of the remittance amount.
A providing program comprising causing a computer to execute a providing procedure for providing the sender and the recipient with contents in a mode corresponding to the target information.

Images