JP2022125987A - Remittance processing apparatus, remittance processing system, remittance processing method, remittance processing computer program, and remittance support product - Google Patents

Abstract

To provide a remittance processing apparatus, a remittance processing system, a remittance processing method, a remittance processing computer program, and a remittance support product which improves convenience for both a remitting side and a receiving side upon remittance, and eliminates loss and robbery of money.SOLUTION: The present invention is directed to a remittance processing system for electronically and safely transmitting, with high convenience, monetary-value-related information corresponding to money by using an article SK added with a two-dimensional code having uniqueness expressing a single connection destination information. When receiving the connection destination information corresponding to the two-dimensional code attached to an article from a terminal device 20, a transmitting processing apparatus 10 discriminates whether or not remittance process corresponding to the connection destination information has completed. If the remittance process has not been completed, the remittance processing apparatus transmits a remittance process screen information to the terminal device. If on the other hand the remittance process has been completed, the remittance processing apparatus transmits a reception process screen information to a receiving terminal 30.SELECTED DRAWING: Figure 1

Description

The present invention relates to a remittance processing device, a remittance processing system, a remittance processing method, a remittance processing computer program, and a remittance support product.

In the past, for example, at ceremonial occasions, when it was not possible to attend, participate in, or participate in person, cash was put in gift envelopes, sympathy envelopes, gift envelopes, etc., and sent by mail. . In Patent Literature 1 below, in consideration of the convenience of mailing, a wrap-and-fold remittance form that can arbitrarily correspond to sizes other than standard-sized mail for cash remittance is proposed.

Utility Model Registration No. 3024574

However, it cannot be said that the conventional technology alone, including Patent Document 1, has been able to sufficiently respond to the convenience of both the sending side and the receiving side. Also, when actually sending money, there is a risk of loss or theft on the way.

SUMMARY OF THE INVENTION The present invention has been made in view of such circumstances, and aims to improve the convenience of both the sending side and the receiving side, and to eliminate the risk of loss or theft while sending money.

In order to achieve the above object, the remittance processing device of the present invention includes:
A device for performing a procedure for sending monetary value-related information as electronic information related to monetary value using a product attached with a code having individuality expressing single connection destination information,
communicatively connected via a network to a remittance terminal used by the sender of the monetary value-related information and a receiving terminal used by the receiver of the monetary value-related information;
remittance procedure screen providing means for returning information for displaying a remittance procedure screen corresponding to the connection destination information to the remittance terminal when the connection destination information corresponding to the code attached to the product is received;
receiving procedure screen providing means for returning information for displaying a receiving procedure screen to the receiving terminal when the connection destination information is received and the remittance procedure corresponding to the connection destination information has been completed;
characterized by comprising at least

As one aspect of the remittance processing device of the present invention described above,
management information storage means for storing the connection destination information in advance and storing management information issued in response to a remittance request in association with the connection destination information;
Procedure determination means for referring to the management information storage means in response to receiving the connection destination information and determining a requested procedure based on the registration status of the management information registered in association with the connection destination information. When,
Along with the provision of the remittance procedure screen, the management information is issued in response to receiving the remittance request including the remittance amount information from the remittance terminal, and the management information is associated with the connection destination information being connected to the Management information registration means for registering in management information storage means;
further comprising
the remittance procedure screen providing means, when the procedure determination means determines that the management information is not registered in the management information storage means, transmits information for displaying the remittance procedure screen to the remittance terminal;
The receipt procedure screen providing means transmits information for displaying the receipt procedure screen to the receiving terminal when the procedure determination means determines that the management information is registered in the management information storage means. Characterized by

In this remittance processing device,
Accompanied by the receipt procedure screen being provided, the management information storage means is referred to in response to receiving a receipt request from the receiving terminal, and specified by the management information registered in association with the connection destination information during connection. It may further comprise receiving procedure means for giving points corresponding to the remittance amount to the receiving terminal.

Further, as another aspect of the remittance processing device of the present invention described above,
further communicably connected via the network to a digital currency providing device that provides digital currency;
reception management information storage means for storing reception management information in which the connection destination information is stored in advance and issued in response to a remittance request in association with the connection destination information;
A procedure for referring to the reception management information storage means in response to receiving the connection destination information and determining the requested procedure based on the registration status of the reception management information registered in association with the connection destination information. a discriminating means;
remittance request site connection means for connecting the remittance terminal to the digital currency providing device in response to receiving a remittance request from the remittance terminal in response to the provision of the remittance procedure screen;
Along with the provision of the remittance procedure screen, the reception management information issued by the digital currency providing device is received from the remittance terminal, and the reception management information is stored in association with the connection destination information that is currently connected. reception management information registration means for registering in the means;
receipt request site connection means for connecting the receipt terminal to the digital currency providing device in response to receiving a receipt request from the receipt terminal along with the provision of the receipt procedure screen;
further comprising
the remittance procedure screen providing means, when the procedure determination means determines that the reception management information is not registered in the reception management information storage means, transmits information for displaying the remittance procedure screen to the remittance terminal;
When the procedure determination means determines that the reception management information is registered in the reception management information storage means, the reception procedure screen providing means transmits information for displaying the reception procedure screen to the receiving terminal. It is characterized by

In the remittance processing device of the present invention described above, regardless of its mode,
The code is characterized in that it is a two-dimensional code.

The remittance processing device according to the present invention is a server, and may be a physical device configured by a single server or a plurality of servers existing on a network, or a virtual device realized on the cloud. Also good.

Further, the remittance processing system of one aspect of the present invention includes:
A system for performing a procedure for sending monetary value-related information as electronic information related to monetary value using a product with a unique code that expresses a single connection destination information,
A remittance terminal used by a sender of said monetary value-related information and a receiving terminal used by a receiver of said monetary value-related information, which are communicably connected via a network, any one of claims 1 to 3 and the remittance processing device described in
The remittance terminal
means for reading an image of the code attached to the product;
means for displaying information provided by reading said code;
a means of requesting remittance by inputting the amount to be remitted;
with
The receiving terminal
means for reading an image of the code attached to the product;
means for displaying information provided by reading said code;
a means of requesting receipt of a remittance;
characterized by comprising

In addition, a remittance processing system according to another aspect of the present invention includes:
A system for performing a procedure for sending monetary value-related information as electronic information related to monetary value using a product with a unique code that expresses a single connection destination information,
A remittance terminal used by a sender of said monetary value-related information, a receiving terminal used by a receiver of said monetary value-related information, and a remittance processing apparatus according to claim 1 and 4, which are communicably connected via a network. and a digital currency providing device that provides digital currency,
The remittance terminal
means for reading an image of the code attached to the product;
means for displaying information provided by reading said code;
a means of requesting remittance by inputting the amount to be remitted;
with
The receiving terminal
means for reading an image of the code attached to the product;
means for displaying information provided by reading said code;
a means of requesting receipt of a remittance;
with
The digital currency providing device
means for issuing reception management information in response to a remittance request including remittance amount information received from the remittance terminal via a remittance procedure screen provided by the remittance processing device;
In response to the receiving request received from the receiving terminal via the receiving procedure screen provided by the remittance processing device, digital currency corresponding to the remittance amount specified by the issued reception management information is issued to the receiving terminal. means and
characterized by comprising

Further, in the present invention, the remittance processing method in the remittance processing system of the above aspect can be realized by executing a computer program that causes a computer to function as a remittance processing device in the remittance processing system of the above aspect.
Further, by executing a computer program that causes a computer to function as a remittance processing device in the remittance processing system of the other aspect, the method in the remittance processing system of the other aspect can be realized.

And the remittance support product according to the present invention is
From a remittance terminal used by a sender of monetary value-related information as electronic information related to monetary value, which is communicably connected via a network, to a receiving terminal used by a receiver of said monetary value-related information, said network A product used when performing the procedure for electronically sending the monetary value-related information via
A single connection destination information that can be read by the remittance terminal and the receiving terminal and enables both a procedure for sending the monetary value-related information and a procedure for receiving the monetary value-related information is expressed. characterized in that a code having individuality is attached.

According to the present invention, instead of actually sending money in consideration of the convenience of mailing, a product with a unique code that expresses single connection destination information is used to send money. Since the corresponding monetary value-related information is electronically sent, the procedure is simple, and the convenience of both the sending side and the receiving side can be improved. In addition, by electronically sending the monetary value-related information corresponding to money, it is possible to eliminate the risk of loss or theft during the money transfer.

1 is a sequence diagram showing an embodiment of a remittance processing system according to the present invention; FIG. 2 is a block diagram showing functions of a remittance processing device included in the remittance processing system shown in FIG. 1; FIG. FIG. 2 shows an embodiment of a product used in the remittance processing system shown in FIG. 1, comprising (A) an external view, (B) an external view of a message card that constitutes the product, and (C) a message card with the message card opened. It is an internal view. 2 is a flowchart of a remittance processing method executed by the remittance processing system shown in FIG. 1; FIG. 2 is a schematic diagram showing an example of a "remittance procedure screen" displayed on the remittance terminal used in the remittance processing system shown in FIG. (C) This is the third remittance procedure screen. 2 is a schematic diagram showing an example of a "receipt procedure screen" displayed on a receipt terminal used in the remittance processing system shown in FIG. 1, comprising (A) a first receipt procedure screen, (B) a second receipt procedure screen, (C) Third receipt procedure screen, (D) Fourth receipt procedure screen. FIG. 4 is a sequence diagram showing another embodiment of the remittance processing system according to the present invention; 8 is a block diagram showing functions of a remittance processing device included in the remittance processing system shown in FIG. 7; FIG. 8 is a flowchart of a remittance processing method executed by the remittance processing system shown in FIG. 7; 8 is a schematic diagram showing an example of a "remittance procedure screen" displayed on the remittance terminal used in the remittance processing system shown in FIG. 7, comprising (A) a first remittance procedure screen, (B) a second remittance procedure screen, (C) This is the third remittance procedure screen. FIG. 8 is a schematic diagram showing an example of a "receipt procedure screen" displayed on the receiving terminal used in the remittance processing system shown in FIG. 7;

An embodiment of a remittance processing system (hereinafter referred to as "this system"), a remittance processing device, a remittance processing method, and a remittance processing program according to the present invention will be described below with reference to the drawings.
First of all, the service provided using this system (hereinafter referred to as "this service") is a monetary value, such as digital currency or points (hereinafter referred to as "monetary value-related information"), which is remitted (sent) and received.

Here, the above-mentioned digital currency means a value converted into digital data that can be used as a currency. For example, assets managed, stored, and exchanged on computer systems via the Internet Say. This digital currency includes electronic money that is digitized legal currency, encrypted virtual currency that is not guaranteed by a specific country, and CBDC (central bank issued digital currency) issued by the central bank of the country. Electronic money includes transportation, distribution, credit card, and QR code (registered trademark) settlement systems.

In addition, the above-mentioned points, like digital currency, are managed, stored, and exchanged on a computer system via the Internet, etc., and have a value that can be used as currency, and can be exchanged for digital currency. or points that can be exchanged for goods or services.

In this embodiment, for example, the service provider purchases digital currency in bulk in advance from the digital currency business operator, converts this to points according to the remittance amount, and grants it to the user. The points obtained through this service can be exchanged for digital currency by the digital currency operator from whom the service provider purchased the digital currency.

Therefore, a business operator that provides a digital currency (hereinafter referred to as a "digital currency business operator") can provide this service by issuing a digital currency themselves. On the other hand, if you are not a digital currency operator, you can provide this service jointly with a digital currency operator or independently by using points that can be exchanged for digital currency.

It should be noted that the embodiments described below are preferred specific examples of the present invention, and therefore are subject to various technical limitations, but the scope of the present invention is not specifically limited in the following description. As long as it is not limited to these forms.

<First embodiment>
In the first embodiment, a case in which a person other than a digital currency operator independently provides this service will be described as an example.
In this embodiment, the provider of this service transmits and grants points as monetary value-related information. be able to do so.

As shown in FIG. 1, the present system includes a communication terminal (hereinafter sometimes referred to as a "remittance terminal 20") used by a person who sends money as monetary value-related information. ), a communication terminal used by the receiver of this monetary value-related information (hereinafter sometimes referred to as “receiving terminal 30”), and a remittance processing device 10 (information processing device) that provides this service are connected to networks. (Communication line) Commodity configured to be communicable via NW (see FIG. 2) and having only one unique code (for example, code NC to be described later) that expresses single connection destination information SK is used to perform remittance procedures for electronically sending and receiving monetary value-related information.

[Product description]
The product SK (remittance support product) used in this embodiment is a procedure for electronically sending monetary value-related information from the remittance terminal 20 communicably connected via the network NW (see FIG. 2) to the receiving terminal 30. It is an item (so-called money envelope) used when performing a transaction, which can be read by the remittance terminal 20 and the receiving terminal 30, enables the procedure for sending monetary value-related information, and Only one unique code (for example, a code NC to be described later) that expresses a single connection destination information that enables a procedure for receiving value-related information is attached.

In addition, this product SK is purchased by a user (remitter (sender)) who wishes to send monetary value-related information, and after the remittance procedure using this system, the recipient of the monetary value-related information It is an article that is sent to a certain user (recipient (recipient)) and is subject to receiving procedures using this system.

As such a product SK, for example, as shown in FIG. 3, a message card MC with a code NC and a user (monetary value-related and an envelope FT to be sent to the information receiving side (recipient).
Also, the code NC attached to the product SK has individuality in which a single connection destination information is expressed, and each product includes a different single connection destination information. there is

The connection destination information is a registration URL (Uniform Resource Locator) on the Internet that connects to a predetermined website (hereinafter sometimes simply referred to as "site") that performs remittance procedures and receipt procedures using the system. , and the URL indicated by the code NC, and the information of the WEB site is displayed on the remittance terminal 20 and the receiving terminal 30 .

In this system, each product SK is associated with a unique URL for registration. Therefore, the remittance cases using this system can be distinguished and safely carried out. In addition, the sender of the monetary value-related information and the receiver of the monetary value-related information use the same code NC to transmit and receive the monetary value-related information (corresponding to one code NC). There is no risk of mistaking the remittance destination. If a single code NC is used, it is possible to consider the convenience of both the sender of the monetary value-related information and the receiver of the monetary value-related information.

Codes that can be used in this system include a one-dimensional code (bar code) that displays information in one direction, and a two-dimensional code that displays information in both horizontal and vertical directions.
One-dimensional barcodes include JAN (EAN), UPC (Universal Product Code), Code 128, and the like.

The two-dimensional code includes a stack type two-dimensional code in which barcodes are stacked in multiple stages, a matrix type two-dimensional code in which squares are filled in, and the like.
Examples of stacked two-dimensional codes include PDF417, Code 49, Code 16K, Coder Block, and the like. Examples of matrix-type two-dimensional codes include data codes, QR codes (registered trademark), maxi codes, and CP codes.

Two-dimensional codes can contain more information than one-dimensional codes, so two-dimensional codes are used rather than one-dimensional codes for this service, which provides a large amount of information on procedure sites with individuality. is desirable.

In FIG. 3(A), product SK is shown as a combination of message card MC with a two-dimensional code attached as code NC (see FIG. 3(C)) and envelope FT. For example, only the message card MC with the code NC, which is a two-dimensional code, or a sticker (label) with only the code NC, which is a two-dimensional code, may be used as a product.
The code NC, which is a two-dimensional code, may be printed directly on the product, or may be affixed with a sticker on which the code NC, which is a two-dimensional code, is written.

FIG. 3(B) shows the appearance of the closed message card MC, and on the outside is a gold seal for marriage with the letters "HAPPY WEDDING" and a picture of a bouquet imitating a bouquet. is shown as an imitation of
The appearance of the message card MC is not limited to the above-mentioned characters and pictures for marriage, but also various scenes such as birthdays, New Year's gifts, admission, graduation, employment, childbirth, farewell gifts, sympathy, condolences, etc. It is preferable to use characters or pictures.

In addition, FIG. 3(C) shows a state in which the message card MC is opened, and a QR code (registered trademark) is attached as a code NC, which is a two-dimensional code, to the center of the inner surface on the left side, and the inner surface on the right side. , a message entry field MR for writing a message from the side (sender) that sends the monetary value-related information to the side (recipient) that receives the monetary value-related information. The message entry field MR is an example and may be omitted.

[Description of communication terminal]
In FIG. 2, the remittance terminal 20 (communication terminal) and the receiving terminal 30 (communication terminal) include a reading unit, a display unit (hereinafter simply referred to as a "display unit") that allows input operations, a storage unit, and a communication terminal. and a controller. Also, the remittance terminal 20 (communication terminal) and the receiving terminal 30 (communication terminal) are communication terminals capable of browsing the web using a browser through communication via a network NW such as the Internet communication network.

The above-mentioned reading unit is composed of a general-purpose two-dimensional code reader or the like. A URL as connection destination information indicated by a two-dimensional code is read from the image and supplied to the control unit.

That is, the reading unit is composed of a photographing unit and a decoding unit. The photographing unit photographs (reads) the image of the two-dimensional code, and the decoding unit decodes the two-dimensional code information to obtain connection destination information. Get the URL that is Then, the communication connection operation by the communication unit is started, and the communication connection operation to the connection destination based on the URL is automatically started.

The above-described display unit is composed of, for example, an LCD (Liquid Crystal Display) or the like, and displays the information of the WEB site linked to the URL read by the reading unit. In addition, the display unit is composed of a touch panel that can be touch-operated, and displays moving images, images, text, etc., and by touching the display on the screen with a finger or a touch pen, for example, communication operation, character input operation, selection operation It is preferable to be able to accept input operations such as

The storage unit described above is configured by, for example, a non-volatile memory or the like, and stores information necessary for executing remittance processing.

The control unit described above is composed of, for example, a CPU, ROM, and RAM, and the CPU controls the operation of each unit of the communication terminal by appropriately executing various programs stored in the RAM, ROM, storage unit, etc. do.

Therefore, the reading unit functions as means for reading the image of the two-dimensional code attached to the product, and the display unit serves as means for displaying information provided by reading the two-dimensional code and for inputting the amount of money to be remitted. By functioning as means for requesting remittance, it can be the remittance terminal 20 in this embodiment.
On the other hand, the reading unit functions as means for reading the image of the two-dimensional code attached to the product, and the display unit is means for displaying information provided by reading the two-dimensional code and means for requesting receipt of remittance. , can serve as the receiving terminal 30 in this embodiment.

The remittance terminal 20 and the receiving terminal 30 can be, for example, a smartphone generally owned by a user (sender or receiver), a tablet personal computer equipped with a reading unit, a notebook personal computer, or A stationary personal computer can be used.

[Description of remittance processing device (information processing device)]
In FIG. 2 , the remittance processing device 10 is a computer that functions as a so-called server, and is configured by including at least a communication section 11 , a control section 12 and a storage section 13 .
The communication unit 11 communicates with the remittance terminal 20 and the receipt terminal 30 via the network NW. That is, the communication unit 11 is, for example, a communication interface such as a communication module or a communication circuit, and performs data communication with an external device connected via the Internet or a mobile communication network.

The control unit 12 executes a remittance process, which will be described later, according to a program, and controls the operation of the remittance processing device 10 as a whole.
The control unit 12 is, for example, a processor such as a CPU (Central Processing Unit), an MPU (Micro Processing Unit), a DSP (Digital Signal Processor), or an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable), or another processor. It is composed of an integrated circuit and a semiconductor memory.

The control unit 12 functions as a procedure determination unit 121 , a remittance procedure screen providing unit 122 , a receipt procedure screen providing unit 123 , a management information registration unit 124 and a receipt procedure unit 125 .

In response to receiving the connection destination information corresponding to the two-dimensional code (code NC in FIG. 3) attached to the product SK, the procedure determination unit 121 refers to the management information storage unit DB1, which will be described later, and determines the connection destination. This means has a function of determining a requested procedure based on the registration status of management information registered in association with information.
Here, the management information is identification information issued in the remittance procedure, and the remitted amount can be specified by this management information.

The remittance procedure screen providing unit 122 has a function of returning information for displaying a remittance procedure screen corresponding to the connection destination information to the remittance terminal 20 when the remittance terminal 20 receives the connection destination information read from the product SK. is.
The remittance procedure screen providing unit 122 performs a process of transmitting information for displaying a remittance procedure screen to the remittance terminal 20 when the procedure determination unit 121 determines that the management information is not registered in the management information storage unit DB1.

When the receiving terminal 30 receives the connection destination information read from the product SK and the remittance procedure corresponding to the connection destination information has been completed, the receipt procedure screen providing unit 123 receives information for displaying the receipt procedure screen. It is means having a function of sending a reply to the terminal 30 .
The receiving procedure screen providing unit 123 performs processing for transmitting information for displaying the receiving procedure screen to the receiving terminal 30 when the procedure determination unit 121 determines that the management information is registered in the management information storage unit DB1.

The management information registration unit 124 issues management information in response to receiving a remittance request including remittance amount information from the remittance terminal 20 along with the provision of the remittance procedure screen, and uses this management information as connection destination information during connection. It is means having a function of associating and registering in the management information storage unit DB1.

Upon receipt of a receipt request from the receiving terminal 30, the receipt procedure unit 125 refers to the management information storage unit DB1 to obtain the management information registered in association with the connection destination information during connection. This means has a function of giving points corresponding to the remittance amount specified by the information to the receiving terminal 30 .

The storage unit 13 stores information necessary for the remittance processing device (server and information processing device) 10 to execute remittance processing. It is composed of a configured main storage device, an auxiliary storage device such as an HDD, an SSD, a ROM, and the like.

This storage unit 13 has, for example, a management information storage unit DB1. The management information storage unit DB1 stores connection destination information corresponding to the code attached to the product SK in advance, and stores management information issued in response to a remittance request in association with the connection destination information.
In addition, the management information storage unit DB1 stores user information (user ID, telephone number, etc.), recipient communication terminal information (phone number, email address, etc.), generated code information, or recipient password (PW ) may be stored in association with the connection destination information.

Therefore, in the remittance processing device 10 according to the present embodiment, various programs (OS, applications, etc.) stored in the auxiliary storage device (eg, ROM) are loaded into the main storage device (RAM) and executed by the control unit 12. As a result, the device functions as a device including procedure determination unit 121 , remittance procedure screen providing unit 122 , receipt procedure screen providing unit 123 , management information registration unit 124 , and receipt procedure unit 125 .

[Description of this system]
Next, the flow of processing in this system for carrying out the remittance processing method using the remittance processing device 10 will be described with reference to FIG.
The remittance processing device 10 according to the present embodiment implements a remittance processing method described below by executing a remittance processing program.

In this embodiment, the service provider asks the remitter (sender) to purchase points issued by the service provider, and the remitter gives the points purchased by the remitter to the recipient (recipient). will be sent electronically.
Therefore, in order to specify (identify) the remitter who purchased the points and to settle the purchase amount of the points to the remitter, the user of this service must access the site of this service in advance and register for use. (account registration).
In addition, use registration is not necessarily required on the recipient side, but it is possible to specify (identify) the recipient who has been given points from the remitter, so it is desirable for the recipient to also register as necessary. .

This usage registration method is the same as a generally known method, and can be performed, for example, as follows.
First, access the site of this service and enter, for example, your phone number and password on the registration screen.
Then, an authentication code will be sent by SMS (message) to the entered phone number, and this will be received.
Then, since input of the authentication code is required, enter the received authentication code.
This completes the usage registration, and the user can enjoy this service as a remitter.

Also, along with the use registration, settings for payment such as a bank account or credit card are registered.
Furthermore, after registration for use, a unique ID (user ID) is set for each user. This user ID is set so as not to be the same ID as another user.
Therefore, when using this service, by entering an ID and a password, the user can be identified, and the point purchase amount can be settled and the points can be given without fail.

From here, the case of receiving the provision of this service using a two-dimensional code (code NC in FIG. 3) will be described. The description mainly refers to FIGS. 1 and 2. FIG.
In "1." of FIG. 1, the user who sends the monetary value-related information uses the remittance terminal 20 to read the code NC attached to the product SK prepared at hand with the reading unit.
Then, the remittance terminal 20 is requested to input an ID and a password from the remittance processing device 10 that manages a predetermined WEB site linked to the connection destination information (URL) expressed as the code NC.
The remittance terminal 20 accepts the input of the user's registered ID and password, and transmits them to the remittance processing device 10 .

In "2.", the remittance processing device 10 identifies the user by authenticating the ID and password received from the remittance terminal 20, and then makes a request based on the connection destination information based on the connection request from the remittance terminal 20. Determine the procedure being followed.
That is, the remittance processing device 10 receives the connection destination information corresponding to the two-dimensional code (code NC in FIG. 3) attached to the product SK read by the remittance terminal 20, and stores the management information storage unit DB1 (see FIG. 2). to determine the requested procedure based on the registration status of the management information registered in association with the connection destination information. For example, when the management information is not registered in the management information storage unit DB1, the remittance processing device 10 determines that the remittance procedure is requested from the sender of the monetary value-related information.

Here, the presence or absence of registration of management information is used to determine the presence or absence of management information, but a flag may be used for the determination of the presence or absence of management information. That is, the status of registered information (for example, a flag indicating unremitted or remitted) may be used as management information.

In “3.”, the remittance processing device 10 transmits to the remittance terminal 20 information for displaying a remittance procedure screen of a predetermined WEB site linked to the read connection destination information (URL).

In "4.", the remittance terminal 20 displays the remittance procedure screen information transmitted from the remittance processing device 10 on the display unit, accepts an operation requested on the remittance procedure screen from the user (sender), and performs remittance. A remittance request (remittance request) is transmitted to the processing device 10 .
That is, on the display unit of the remittance terminal 20, a remittance procedure screen such as that shown in FIG. 5 is first displayed as a screen for starting a remittance request.
In FIG. 5A, the display unit of the remittance terminal 20 shows a remittance procedure screen 21 having a touch button 211 labeled "Purchase points".

When the user taps the touch button 211 labeled "Purchase points" (touches the screen for a moment), the display unit of the remittance terminal 20 displays a screen requesting input of the remittance amount, for example, FIG. A remittance procedure screen as shown in (B) is then displayed.
In FIG. 5B, the display unit of the remittance terminal 20 shows a remittance procedure screen 22 having an amount input field 221 .

Subsequently, when the user taps the amount input field 221, a numeric keypad (software keyboard) screen for inputting the amount of remittance appears on the display section of the remittance terminal 20 (not shown). The user touches the ten-key screen to input the remittance amount and selects the confirmation button. Then, a remittance request including remittance amount information is transmitted from the remittance terminal 20 to the remittance processing device 10 .

At this time, in order to eliminate errors in the recipient (recipient), the user (recipient) must enter the recipient communication terminal number (e.g., mobile phone number or e-mail address) that identifies the recipient of the remittance together with the remittance amount. It is also good to ask for the hand).
In the remittance terminal 20, as a screen requesting the input of the receiver's communication terminal number, for example, a remittance procedure screen as shown in FIG. can.
In FIG. 5C, the display unit of the remittance terminal 20 shows a remittance procedure screen 23 having an amount input field 231 and a phone number input field 232 .

In “5.”, the remittance processing device 10 issues management information for specifying the remittance amount in response to the remittance request including the remittance amount information received from the remittance terminal 20 . Further, the remittance processing device 10 registers the management information in the management information storage unit DB1 in association with the connection destination information. Furthermore, the remittance processing device 10 may also register user information authenticated at the time of providing this service in the management information storage unit DB1 in association with the connection destination information.

When the remittance processing device 10 receives a remittance request including the remittance amount information and the recipient communication terminal number information from the remittance terminal 20, the remittance processing device 10 receives the recipient communication terminal number information together with the issued management information. , the user information may be registered in the management information storage unit DB1 in association with the connection destination information.
This completes the remittance procedure.

In "6a.", the user (sender), after completing the remittance procedure, enters a message for the user (recipient) who receives the monetary value-related information in the message entry field MR of the product SK, Put it in an envelope FT and send it to the user who receives the monetary value-related information by mail or other means.
In "6b.", the user (recipient) who receives the monetary value-related information receives the product SK sent from the user (sender) who transmits the monetary value-related information.

In "7.", the user who receives the monetary value-related information uses the receiving terminal 30 to read the code NC, which is a two-dimensional code attached to the received product SK, with the reading unit, and connects. A request is sent to the remittance processing device 10 .
In “8.”, the remittance processing device 10 then determines the requested procedure based on the connection destination information based on the connection request from the receiving terminal 30 .
At this time, the remittance processing device 10 does not immediately determine the requested procedure in response to the connection request, and the user who receives the monetary-value related information, like the user who sends the monetary-value related information, Alternatively, the ID and password may be requested to the receiving terminal 30 for authentication.

In "9.", the remittance processing device 10 determines that management information associated with the connection destination information received from the remittance terminal 20 is registered in the management information storage unit DB1, and reads the connection destination information (URL). to the receiving terminal 30 to display the receiving procedure screen of the predetermined WEB site linked to.

In "10.", the receiving terminal 30 displays the receiving procedure screen information transmitted from the remittance processing device 10 on the display unit, accepts the operation requested on the receiving procedure screen from the user, and sends the information to the remittance processing device 10. send a pick-up request to
That is, on the display unit of the receiving terminal 30, a receiving procedure screen such as that shown in FIG. 6A is first displayed as a screen for starting the receiving request.
In FIG. 6(A), the display unit of the receiving terminal 30 displays the message "I want to send you a congratulatory gift of xxxx yen." A receipt procedure screen 31 is shown.
Then, when the user (recipient) taps the touch button 311 labeled “execute receipt”, receipt request information is transmitted from the receiving terminal 30 to the remittance processing device 10 .

At "11.", when the remittance processing device 10 receives the receipt request transmitted from the receiving terminal 30, the remittance processing device 10 refers to the management information storage unit DB1, and based on the usage information registered in association with the connection destination information, the money is transferred. The party that sent the monetary value-related information (remitter (sender)) is specified, and the recipient of the monetary value-related information reaches the receipt procedure screen for the communication terminal (remittance terminal 20). Send a "receipt execution notification" to notify.

At “12.”, the remittance terminal 20 receives the “receipt execution notification” transmitted from the remittance processing device 10 . As a result, the side that sent the monetary value-related information can confirm that the sent product SK has arrived safely at the side that receives the monetary value-related information, and that the side that receives the monetary value-related information has completed the receipt procedure. .

At this time, the remittance processing device 10 generates arbitrary authentication information (code information) in response to receiving the receipt request from the receiving terminal 30, and this authentication information is registered in advance by the sender of the monetary value-related information. It is also possible to transmit to the recipient's communication terminal number (for example, mobile phone number or e-mail address) and request the recipient terminal 30 to input it.
That is, if the authentication information arbitrarily generated by the remittance processing device 10 matches the authentication information received from the receiving terminal 30, the subsequent procedure can be permitted. This eliminates the receiver's error and ensures that the money is transferred to the user intended by the sender of the monetary value-related information.

Such recipient authentication is performed by the user tapping the touch button 311 labeled "execute reception", and the reception terminal 30 displays, for example, a receipt as shown in FIG. A procedure screen may be displayed.
In FIG. 6B, the display section of the receiving terminal 30 shows a remittance procedure screen 32 having a code input field 321 for inputting authentication information.

In addition, the method of authenticating the recipient is not limited to means for the remittance processing device 10 to arbitrarily generate authentication information upon receipt of a receipt request from the receiving terminal 30. For example, , an arbitrary receipt password (PW) may be set on the remittance procedure screen for inputting the remittance amount.
That is, the receipt password entered together with the remittance amount is registered in the management information storage unit DB1 in association with the connection destination information together with the management information that can specify the remittance amount.

On the other hand, the receipt password is notified from the sender of the monetary value-related information to the receiver of the monetary value-related information by any method such as e-mail or SMS.
Upon receiving the receipt request from the receiving terminal 30, the remittance processing device 10 requests the input of the receipt password set by the sender of the monetary value-related information instead of the arbitrary authentication information described above. If the receipt password registered in the DB 1 matches the receipt password received from the receipt terminal 30, the subsequent procedures can be approved.

In "13.", the remittance processing device 10 immediately responds to receiving the receipt request transmitted from the receiving terminal 30, or after transmitting the "receipt execution notification" to the remittance terminal 20, or after transmitting the authentication information. or after it is determined that the receipt password matches, points corresponding to the remittance amount specified by the management information are given to the receiving terminal 30.例文帳に追加

At “14.”, the receiving terminal 30 receives the points transmitted from the remittance processing device 10 .
After that, the receiving terminal 30 connects to the site of the digital currency operator specified by the provider of this service, and exchanges the received points for digital currency.
In "15.", the receiving terminal 30, after receiving the points, sends a "procedure completion notification" to notify that the remittance procedure has been completed as a token of gratitude. Send to the terminal 20 .

At "16.", the remittance terminal 20 receives the "procedure completion notice" transmitted from the receiving terminal 30, and displays the procedure completion information on the display unit.
At this time, the receiving terminal 30 first displays a receiving procedure screen as shown in FIG. 6C as a procedure completion screen.
In FIG. 6C, the display of the receiving terminal 30 shows a receiving procedure screen 33 having a message 331 of "completed".

This completes the receipt procedure, but in the present invention, the side receiving the monetary value-related information may continue to be able to thank the side sending the monetary value-related information.
That is, the receiving terminal 30 can further include means for selecting a method of thanking and means for inputting the thanking and requesting the remittance processing device 10 to transmit it to the remittance terminal 20 .

In this case, after issuing points to the receiving terminal 30, the remittance processing device 10 connects the receiving terminal 30 to a receipt completion screen requesting an input of gratitude for the remittance; and a return execution means for receiving the thank-you information and transmitting the thank-you information to the remittance terminal 20 .

At this time, as a screen displayed on the display unit of the receiving terminal 30, for example, a reception completion screen as shown in FIG. 6(D) can be displayed.
In FIG. 6(D), the display unit of the receiving terminal 30 includes a thank-you message send button 341 for selecting a text thank-you message, a thank-you voice record button 342 for selecting a voice thank-you message, Receipt completion screen 34 having thank-you video shoot button 343 is shown for selecting thank-you in the form of a video.

This thank-you information can be transmitted to the remittance terminal 20 together with the above-described "procedure completion notification" or as a "procedure completion notification".
That is, for example, thank-you registration destination information is displayed on the procedure completion screen, and when connecting to the site, the person who received the monetary value-related information can receive a thank-you.

If the recipient (recipient (recipient)) of the monetary value-related information does not receive it for a certain period of time, an alert will be sent to the contact registered as user information or the recipient's communication terminal information. You can

Next, an example of the operation of the remittance processing device 10 that implements the remittance processing method described above will be described with reference to FIG. Note that FIG. 2 is also referred to as necessary.
First, the procedure determination unit 121 performs a process of determining whether or not there is a connection request from the remittance terminal 20 or the receiving terminal 30 (communication terminal) (S10). Whether or not there is a connection request is determined by whether or not connection destination information has been received.

As a result, when there is a connection request from the remittance terminal 20 or the receiving terminal 30 (communication terminal) (S10-YES), the procedure determination unit 121 subsequently determines that there is no registered management information associated with the connection destination information. (Unregistered) or not is checked (S20). To confirm that there is no registration of management information, the procedure determination section 121 refers to the management information storage section DB1 and determines whether or not there is registration of management information issued in response to a remittance request.

On the other hand, if there is no connection request from the remittance terminal 20 or the receiving terminal 30 (communication terminal) (S10-NO), the procedure determination unit 121 determines whether or not the connection request information from the remittance terminal 20 or the receiving terminal 30 has been received. The determination process is repeated (S10).

If there is no registration of the management information associated with the connection destination information (S20-YES), since no remittance request has been made yet, the procedure determination unit 121 determines the sender of the monetary value-related information (that is, the remittance terminal 20 ), and notifies the remittance procedure screen providing unit 122 of the result. The remittance procedure screen providing unit 122 having received this notification performs a process of transmitting remittance procedure screen information of a predetermined site specified based on the received connection destination information to the remittance terminal 20 (S30).

After the remittance procedure screen providing unit 122 has transmitted the site information of the remittance procedure screen to the remittance terminal 20, the management information registration unit 124 continues to check whether there is a remittance request including remittance amount information from the remittance terminal 20. A process of determining whether or not is performed (S40). Whether or not there is a remittance request is determined by whether or not remittance amount information has been received.

As a result, if there is a remittance request from the remittance terminal 20 (S40-YES), then the management information registration unit 124 issues management information for specifying the remittance amount, A process of registering in the management information storage unit DB1 in association with the connection destination information is performed (S50).
This completes the remittance procedure.

On the other hand, if there is no remittance request from the remittance terminal 20 (S40-NO), the management information registration unit 124 repeats the process of determining whether remittance amount information has been received from the remittance terminal 20 (S40).

On the other hand, in S20, if there is registration of the management information associated with the connection destination information (S20-NO), since the remittance request has already been made (it can be judged), the side that receives the monetary value related information (that is, , receiving terminal 30), and notifies the receiving procedure screen providing unit 123 of the result. Upon receipt of this notification, the receiving procedure screen providing unit 123 performs a process of transmitting to the receiving terminal 30 the receiving procedure screen of the predetermined site specified based on the received connection destination information (S60).

After the receiving procedure screen providing unit 123 has transmitted the site information for displaying the receiving procedure screen to the receiving terminal 30, the receiving procedure unit 125 subsequently determines whether or not there is a receiving request from the receiving terminal 30. (S70). A receipt request is a request sent from the receiving terminal 30 after the receiving side performs an operation requested on the receipt procedure screen. Make a decision based on whether or not you did.

Note that after receiving the connection destination information from the receiving terminal 30, the reception procedure unit 125 further refers to the management information storage unit DB1 to identify the user information registered in association with the connection destination information. Setting to compare with the requesting user information and automatically determine that the connection is from the side that receives monetary value-related information (i.e., receiving terminal 30) if the remitter (remittance terminal 20) is different. It is good as

As a result, if there is a receipt request from the receiving terminal 30 (S70-YES), the receiving procedure unit 125 subsequently refers to the management information storage unit DB1 and sends the remittance request registered in association with the connection destination information. The user information that has been sent is specified, and it is notified to the user's communication terminal (that is, remittance terminal 20) that the receiving terminal 30 (the side that receives the monetary value related information) has reached the receiving procedure screen. A process of transmitting a "receipt execution notification" is performed (S80).

On the other hand, if there is no receipt request from the receiving terminal 30 (S70-NO), the receiving procedure section 125 repeats the process of determining whether or not receiving request information has been received from the receiving terminal 30 (S70).

Then, the receipt procedure unit 125 refers to the management information storage unit DB1 at the same time as transmitting the "receipt execution notification" to the remittance terminal 20, and refers to the remittance amount specified by the management information registered in association with the connection destination information. Processing is performed to give the receiving terminal 30 points (for example, points that can be exchanged for digital currency) (S90).
As a result, the receiving procedure is completed, and a series of operations in the remittance processing device 10 is completed.

As described above, this embodiment uses one (same) two-dimensional code (code NC in FIG. 3), reads this two-dimensional code, and performs remittance and receipt procedures. That is, when the remittance terminal 20 reads the two-dimensional code attached to the product (product SK (remittance support product) in FIG. 3), it can connect to a site that provides a remittance procedure screen and perform the remittance procedure.
In addition, in this embodiment, after the remittance procedure at the remittance terminal 20 is completed, when the receiving terminal 30 reads the same two-dimensional code attached to the same product, it connects to a site that provides a receipt procedure screen and performs the receipt procedure. It is possible to do

As a result, different users can perform different procedures via one two-dimensional code (code NC in FIG. 3), so that a service that improves convenience for both the sending side and the receiving side can be provided. can be done.

In addition, compared to the means of actually sending cash in an envelope or the like, since the monetary value-related information corresponding to money is electronically transmitted, the loss or theft of the monetary value-related information during transmission is reduced. can eliminate the risk of

Although one embodiment of the present invention has been described above, the present invention is not limited to the above-described embodiment, and modifications and improvements within the scope of achieving the object of the present invention are included in the present invention. is.

<Second embodiment>
Next, a second embodiment (another embodiment) will be described.
In the second embodiment, a case in which a party other than a digital currency operator provides this service together with a digital currency operator will be described as an example.
In contrast to the first embodiment described above, the second embodiment further comprises a digital currency providing device 40 that provides digital currency, and this digital currency providing device 40 is communicably connected via a network NW. different in that respect.

In addition, in the second embodiment described below, the description will focus on the parts that are different from the first embodiment described above. Therefore, the same components as those of the first embodiment are denoted by the same reference numerals, and descriptions thereof are omitted, and are assumed to be the same unless otherwise specified.

As shown in FIG. 7, the remittance processing system according to the second embodiment of the present invention (hereinafter referred to as "the second system") includes a remittance terminal 20, a receiving terminal 30, and a digital currency operator. A digital currency providing device 40 that provides currency and a remittance processing device 100 that provides this service are each configured to be able to communicate via a network NW, and have individuality expressing a single connection destination information. A product SK to which a code (code NC in FIG. 3) is attached is used to perform a remittance procedure for electronically sending monetary value-related information and a procedure for receiving it.

[Description of communication terminal]
The remittance terminal 20 (communication terminal) and the receiving terminal 30 (communication terminal) are the same as those used in the above-described first embodiment. code NC), functions as a means of requesting remittance by inputting the amount of money to be remitted, and receives and manages the receipt issued by the digital currency providing device 40 in response to the remittance request. It differs from the remittance terminal 20 used in the first embodiment in that it functions as means for requesting the remittance processing device 100 to register information.

[Description of remittance processing device (information processing device)]
The remittance processing device 100 is a computer that functions as a so-called server, and is configured by including at least a communication section 101 , a control section 102 and a storage section 103 .
The communication unit 101 and the storage unit 103 are the same as the communication unit 11 and the storage unit 13 included in the remittance processing device 10 (see FIG. 2) in the first embodiment described above. In addition, the communication unit 101 communicates with the digital currency providing device 40 via a network NW using a wired communication system or a wireless communication system. The network NW is, for example, a communication network such as the Internet, a LAN (Local Area Network), a WAN (Wide Area Network), or Wi-Fi (registered trademark).

The control unit 102 executes a remittance process, which will be described later, according to a program, and controls the operation of the remittance processing apparatus 100 as a whole.
As shown in FIG. 8, the control unit 102 includes a procedure determination unit 121, a remittance procedure screen providing unit 122, a receipt procedure screen providing unit 123, a remittance request site connection unit 126, a receipt request site connection unit 127, and reception management information registration. It functions as part 128 .

The remittance request site connection unit 126 is means having a function of connecting the remittance terminal 20 to the digital currency providing device 40 in response to receiving a remittance request from the remittance terminal 20 along with the provision of the remittance procedure screen.

The receipt request site connection unit 127 is means having a function of connecting the receiving terminal 30 to the digital currency providing device 40 in response to receiving a receipt request from the receiving terminal 30 along with the provision of the receipt procedure screen.

The reception management information registration unit 128 receives the reception management information issued by the digital currency providing device 40 from the remittance terminal 20 when the remittance procedure screen is provided, and associates the reception management information with the connection destination information currently connected. This means has a function of registering in the reception management information storage unit DB2.
Here, the reception management information is identification information issued by the digital currency providing device 40 in the remittance procedure, and the amount of money remitted can be specified by this reception management information.

The reception management information storage unit DB2 stores connection destination information in advance, and stores the reception management information issued in response to a remittance request in association with the connection destination information.

Therefore, in the remittance processing device 100 according to the present embodiment, various programs (OS, applications, etc.) stored in the auxiliary storage device (eg, ROM) are loaded into the main storage device (RAM), and the control unit 102 By being executed, it functions as a device including procedure determination unit 121, remittance procedure screen providing unit 122, receipt procedure screen providing unit 123, remittance request site connection unit 126, receipt request site connection unit 127, and reception management information registration unit 128. do.

[Description of the digital currency providing device]
On the other hand, the digital currency providing device 40 is also a computer that functions as a so-called server, and is composed of at least a communication section, a control section, and a storage section.

The communication unit communicates with the remittance processing device 100, the remittance terminal 20 and the receiving terminal 30 via the network NW. That is, the communication unit is, for example, a communication interface such as a communication module or a communication circuit, and performs data communication with an external device connected via the Internet or a mobile communication network.

The control unit executes a remittance process, which will be described later, according to a program, and controls the overall operation of the digital currency providing device 40 .
In response to a remittance request including remittance amount information received from the remittance terminal 20 via a predetermined site provided by the remittance processing device 100, the control unit issues reception management information for specifying the remittance amount, and a remittance processing unit. Means for issuing digital currency corresponding to the remittance amount specified by the issued reception management information to the receiving terminal 30 in response to a receiving request received from the receiving terminal 30 via a predetermined site provided by the processing device 100 , at least function as

[Description of the second system]
Next, the flow of processing in the second system for carrying out the remittance processing method using the remittance processing device 100 will be described with reference to FIG.
Note that the remittance processing device 100 according to the present embodiment implements the second remittance processing method described below by executing the second remittance processing program.

In the present embodiment, a digital currency operator, which is one of the joint service providers, issues the digital currency purchased by the remitter (sender) to the recipient (recipient), thereby providing monetary value-related information. We are doing the procedure to send it electronically.
In other words, in order to identify (identify) the sender who purchased the digital currency, to settle the purchase amount of the digital currency to the sender, and to issue the digital currency to the recipient, the user of the Service shall: Access the site of the digital currency operator in advance and register for use (register an account).

As a result, the digital currency providing device 40 can identify the user by requesting the input of the ID and password when using this service, and manages the settlement of the purchase amount of the digital currency and the issuance of the digital currency. can do.

Then, assuming that a two-dimensional code is used for the code, a case where the service is provided from here will be explained.
In "1." of FIG. 7, the user (remitter (sender)) who sends the monetary value-related information uses the remittance terminal 20 to (Code NC) is read by the reading unit.
Then, the remittance terminal 20 makes a connection request to the remittance processing device 100 that manages a predetermined WEB site linked to the connection destination information (URL) expressed as a two-dimensional code (code NC in FIG. 3).

In “2.”, the remittance processing device 100 determines the requested procedure based on the connection destination information based on the reception of the connection request from the remittance terminal 20 .
That is, the remittance processing device 100 receives connection destination information corresponding to the two-dimensional code (code NC in FIG. 3) attached to the product SK read by the remittance terminal 20, and refers to the reception management information storage unit DB2. , the requested procedure is determined based on the registration status of reception management information registered in association with the connection destination information. For example, when the remittance processing device 100 determines that the reception management information is not registered in the reception management information storage unit DB2, it determines that the remittance procedure is requested from the sender of the monetary value-related information.

In “3.”, the remittance processing device 100 transmits to the remittance terminal 20 information for displaying a remittance procedure screen of a predetermined WEB site linked to the read connection destination information (URL).

In "4.", the remittance terminal 20 displays the remittance procedure screen information transmitted from the remittance processing device 100 on the display unit, receives the operation requested on the remittance procedure screen from the user, and displays the remittance processing device 100. send a remittance request to
That is, on the display unit of the remittance terminal 20, a remittance procedure screen as shown in FIG. 10A, for example, is first displayed as a screen for starting a remittance request.
In FIG. 10A, the display unit of the remittance terminal 20 shows a remittance procedure screen 25 having a touch button 251 labeled "Open remittance application".

The user taps the touch button 251 labeled "Open remittance application" (touches the screen for a moment).
Then, the remittance terminal 20 transmits a remittance request to the remittance processing device 100 .

Here, in the present embodiment, for convenience of explanation to facilitate understanding of the present invention, the case where there is one digital currency operator is taken as an example. It is also possible to provide this service jointly with a currency business operator.
In that case, there may be more than one touch button 251 for “open remittance application” displayed on the remittance procedure screen (for example, for each digital currency operator). This allows users to select their preferred digital currency (digital currency operator).

In “5a.”, the remittance processing device 100 connects the remittance terminal 20 to the digital currency providing device 40 in response to the remittance request received from the remittance terminal 20 .
In "5b.", the digital currency providing device 40 receives the remittance request from the remittance terminal 20 via the site provided by the remittance processing device 100, and sends the site information for displaying the remittance amount acceptance screen to the remittance terminal 20. Send.

If the user (sender) has not authenticated the use of the digital currency providing device 40 in advance, the digital currency providing device 40 requests the user to enter an ID and a password.
The remittance terminal 20 accepts an ID and password registered in advance from the user and transmits them to the digital currency providing device 40 .
On the other hand, after identifying the user by authenticating the ID and password received from the remittance terminal 20 , the digital currency providing device 40 transmits to the remittance terminal 20 site information for displaying a remittance amount acceptance screen.

In "6.", the remittance terminal 20 receives the remittance amount reception screen information transmitted from the digital currency providing device 40, and displays it on the display unit. The remittance terminal 20 accepts an operation requested on the remittance amount acceptance screen from the user and transmits a remittance request (remittance request) to the digital currency providing device 40 .
That is, the display section of the remittance terminal 20 displays, for example, a remittance procedure screen 26 as shown in FIG.
10(B), the display unit of the remittance terminal 20 includes a keyboard 261 for inputting an amount, an input amount display field 262, a touch button 263 labeled "Next", and a numeric keypad (not shown). A remittance procedure screen 26 having a management information display column 264 on which management information is displayed is shown.

The remittance terminal 20 accepts remittance amount information input by the user by touching the amount input keyboard 261 on the remittance procedure screen 26 . Then, the entered remittance amount is displayed in the input amount display column 262 of the remittance procedure screen 26 displayed on the remittance terminal 20 .
When the user wishes to remit the amount displayed in the input amount display column 262 , the user selects the touch button 263 labeled “next” on the remittance procedure screen 26 . Then, the remittance terminal 20 accepts the remittance request and transmits the remittance request including remittance amount information to the digital currency providing device 40 .

In "7.", in response to receiving the remittance request transmitted from the remittance terminal 20, the digital currency providing device 40 issues reception management information (for example, URL) that can specify the remittance amount, and remittance. Send to the terminal 20 .
The remittance terminal 20 displays the transmitted reception management information in the management information display column 264 of the remittance procedure screen 26 .

In "8.", the remittance terminal 20 stores (copies) the management information displayed in the management information display column 264, and ends the communication with the digital currency providing device 40 (when the procedure with the digital currency providing device 40 is complete).
Subsequently, a remittance procedure screen 27 as shown in FIG. 10C, for example, is displayed on the display unit of the remittance terminal 20 as a remittance procedure screen.
In FIG. 10C, the display of the remittance terminal 20 shows a remittance procedure screen 27 having a management information pasting box 271 and a touch button 272 labeled "Save".

The remittance terminal 20 transmits the stored management information (the management information displayed in the management information display column 264 and copied above) to the remittance processing device 100 . That is, paste the management information that has been stored (copied) in advance in the management information pasting box 271 on the remittance procedure screen 27, and then tap the touch button 272 labeled "Save" on the remittance procedure screen 27. By doing so, the management information is transmitted from the remittance terminal 20 to the remittance processing device 100, and a registration request is made.

In "9.", the remittance processing device 100 receives the reception management information transmitted from the remittance terminal 20, associates the reception management information with the connection destination information, and registers the reception management information in the reception management information storage unit DB2.
This completes the remittance procedure.

In "10a.", after completing the remittance procedure, the user writes a message to the recipient of the monetary value-related information in the message entry field MR of the product SK (see FIG. 3), and puts it in an envelope FT. , to the user on the receiving side of the monetary value-related information by mail or other means.
In "10b.", the user who receives the monetary value-related information receives the product SK sent from the user who transmits the monetary value-related information.

In "11.", the user who receives the monetary value-related information uses the receiving terminal 30 to read the two-dimensional code (code NC) attached to the received product SK with the reading unit, and connects. A request is sent to the remittance processing device 100 .
At “12.”, the remittance processing device 100 then determines the requested procedure based on the connection destination information based on the reception of the connection request from the receiving terminal 30 .
That is, the remittance processing device 100 receives the connection destination information corresponding to the two-dimensional code (code NC) attached to the product SK read by the receiving terminal 30, refers to the reception management information storage unit DB2, The requested procedure is discriminated based on the registration status of reception management information registered in association with destination information.

In "13.", the remittance processing device 100 determines that reception management information associated with the connection destination information received from the remittance terminal 20 is registered in the reception management information storage unit DB2, and reads the connection destination information ( Site information for displaying a receiving procedure screen of a predetermined WEB site linked to the URL) is transmitted to the receiving terminal 30 .

In "14.", the receiving terminal 30 displays the receiving procedure screen information transmitted from the remittance processing device 100 on the display unit, accepts the operation requested on the receiving procedure screen from the user, and sends the information to the remittance processing device 100. send a pick-up request to
That is, the display unit of the receiving terminal 30 displays, for example, a remittance procedure screen 35 as shown in FIG. 11 as a screen for starting the receipt request.
In FIG. 11, the display of the receiving terminal 30 shows a receiving procedure screen 35 having a touch button 351 labeled "Click here to receive".
The user taps the touch button 351 labeled "Click here to receive".
Then, the receipt request information is transmitted from the receipt terminal 30 to the remittance processing device 100 .

At “15a.”, the remittance processing device 100 connects the receiving terminal 30 to the digital currency providing device 40 in response to the receiving request received from the receiving terminal 30 .
In "15b.", the remittance processing device 100 refers to the reception management information storage unit DB2, and based on the usage information registered in association with the connection destination information, the side that sent the monetary value-related information (remittance A person (sender) is specified, and a "receipt execution notification" is transmitted to the communication terminal (remittance terminal 20) to notify that the receiving side of the monetary value-related information has reached the receipt procedure screen.

In "16.", when the digital currency providing device 40 receives a receipt request from the receiving terminal 30 via the site provided by the remittance processing device 100, the digital currency providing device 40 sends the site information for displaying the remittance request acceptance screen to the receiving terminal 30. Send.
At “17.”, on the other hand, the remittance terminal 20 receives the “receipt execution notification” transmitted from the remittance processing device 100 . As a result, the side that sent the monetary value-related information can confirm that the sent product SK has arrived safely at the side that receives the monetary value-related information, and that the side that receives the monetary value-related information has completed the receipt procedure. .

At “18.”, the receiving terminal 30 transmits a remittance request to the digital currency providing device 40 .
Then, in response to the remittance request from the receiving terminal 30 , the digital currency providing device 40 issues digital currency corresponding to the remittance amount and gives it to the receiving terminal 30 .
At “20.”, the receiving terminal 30 receives the digital currency issued by the digital currency providing device 40 .

In "21.", the receiving terminal 30, after receiving the digital currency, sends a "procedure completion notice" to notify that the remittance procedure has been completed as a token of gratitude. Send to remittance terminal 20 .
At "22.", the remittance terminal 20 receives the "procedure completion notification" transmitted from the receiving terminal 30, and displays the procedure completion information on the display unit.
This completes the receiving procedure.

Also in this embodiment, as in the first embodiment, when receiving the issuance of digital currency, by setting recipient communication terminal information, setting a password, issuing arbitrary code information, etc., these may be requested and verified to ensure that the recipient is correct.
Furthermore, as in the first embodiment, from the side that receives the monetary value-related information, along with the above-mentioned "procedure completion notice" or as "procedure completion notice", thank you in writing, thank you in voice, A moving image of thanks may be sent to the remittance terminal 20 .

Next, an example of the operation of the remittance processing device 100 that implements the remittance processing method described above will be described with reference to FIG. Note that FIG. 8 is also referred to as necessary.
First, the procedure determination unit 121 performs a process of determining whether or not there is a connection request from the remittance terminal 20 or the receiving terminal 30 (communication terminal) (S110). Whether or not there is a connection request is determined by whether or not connection destination information has been received.

As a result, if there is a connection request from the remittance terminal 20 or the receiving terminal 30 (communication terminal) (S110-YES), the procedure determination unit 121 continues to determine whether the reception management information associated with the connection destination information has not yet been registered. A process for confirming whether or not there is none (unregistered) is performed (S120). To confirm that reception management information is not registered, the procedure determination unit 121 refers to the management information storage unit DB1 and determines whether or not there is registration of reception management information issued in response to a remittance request. .

On the other hand, if there is no connection request from the remittance terminal 20 or the receiving terminal 30 (communication terminal) (S110-NO), the procedure determination unit 121 determines whether or not the connection request information from the remittance terminal 20 or the receiving terminal 30 has been received. The determination process is repeated (S110).

If there is no registration of reception management information associated with the connection destination information (S120-YES), since no remittance request has been made yet, the procedure determination unit 121 determines that the sender of the monetary value-related information (that is, the remittance terminal 20), and notifies the remittance procedure screen providing unit 122 of the result. The remittance procedure screen providing unit 122 having received this notification performs a process of transmitting remittance procedure screen information of a predetermined site specified based on the received connection destination information to the remittance terminal 20 (S130).

After the remittance procedure screen providing unit 122 has transmitted the site information of the remittance procedure screen to the remittance terminal 20, the remittance request site connection unit 126 subsequently determines whether or not the remittance request has been received from the remittance terminal 20. (S140). Whether or not a remittance request has been made is determined by selecting (tapping) a predetermined touch button on the receipt procedure screen of the remittance terminal 20. For example, remittance request information is transmitted. A determination is made depending on whether or not the remittance request information has been received.

If there is a remittance request (S140-YES), the remittance request site connection unit 126 connects the remittance terminal 20 to the digital currency providing device 40 (S150).

On the other hand, if there is no remittance request (S140-NO), the remittance request site connection unit 126 repeats the process of determining whether or not there is a remittance request from the remittance terminal 20 (S140).

Subsequently, the reception management information registration unit 128 performs a process of determining whether reception management information issued by the digital currency providing device 40 has been received from the remittance terminal 20 (S160).
As a result, when it is determined that the reception management information has been received from the remittance terminal 20 (S160-YES), the reception management information registration unit 128 associates the received reception management information with the connection destination information during connection and manages reception. Processing for registration in the information storage unit DB2 is performed (S170).
On the other hand, if reception management information has not been received from the remittance terminal 20 (S160-NO), the reception management information registration unit 128 determines whether reception management information issued by the digital currency providing device 40 has been received. is repeated (S160).
This completes the remittance procedure.

On the other hand, in S120, if there is registration of reception management information associated with the connection destination information (S120-NO), the remittance request has already been made. (that is, the receiving terminal 30), and notifies the receiving procedure screen providing unit 123 of the result. Upon receipt of this notification, the receiving procedure screen providing unit 123 performs a process of transmitting to the receiving terminal 30 the receiving procedure screen of the predetermined site specified based on the received connection destination information (S180).

After the receiving procedure screen providing unit 123 has transmitted the site information for displaying the receiving procedure screen to the receiving terminal 30, the receiving request site connecting unit 127 continues to check whether or not the receiving terminal 30 has received a receiving request. (S190).
Whether or not a receipt request has been made is determined by selecting (tapping) a predetermined touch button on the receipt procedure screen of the receiving terminal 30. For example, receipt execution information is transmitted, and the receipt request site connection unit 527 receives this information. A determination is made depending on whether or not the reception execution information has been received.

As a result, if there is a receipt request from the receiving terminal 30 (S190-YES), the receiving request site connection unit 127 connects the receiving terminal 30 to the digital currency providing device 40 (S200).

On the other hand, if there is no receipt request from the receiving terminal 30 (S190-NO), the receiving request site connection unit 127 repeats the process of determining whether or not receiving execution information has been received from the receiving terminal 30 (S190).

Subsequently, upon receiving the receipt execution information from the receiving terminal 30, the receiving request site connection unit 127 sends the receiving terminal 30 (money (S210).
As a result, the receiving procedure is completed, and the series of operations in the remittance processing device 100 ends.

In this embodiment as well, it is possible to provide a service that improves the convenience of both the sending side and the receiving side, and eliminate the risk of loss or theft of monetary value-related information equivalent to money while sending. can.

A series of processes in the above-described embodiments can be executed by hardware or by software. Therefore, the functional configuration shown in FIG. 2 or FIG. 8 is merely an example and is not particularly limited.
Therefore, it is sufficient for the system to have a function capable of executing the series of processes described above as a whole, and there is no particular limitation on what kind of functional block is used to realize this function.

Also, the locations of some functional blocks are not limited to the examples in FIG. 2 or FIG. 8, and may be arbitrary. For example, at least part of the functional blocks of the remittance processing devices (servers, information processing devices) 10 and 100 may be transferred to the remittance terminal 20, the receiving terminal 30, and the digital currency providing device 40.
Furthermore, one functional block may be composed of hardware alone, software alone, or a combination thereof.

When a series of processes is to be executed by software, programs constituting the software are installed in a computer or the like from a network or a recording medium.
The computer may be a computer built into dedicated hardware.
Further, the computer may be a computer capable of realizing various functions by installing various programs, such as a server or a general-purpose personal computer.

In this specification, the steps of writing a program recorded on a recording medium are not necessarily processed chronologically in order, but are executed in parallel or individually. It also includes processing that

In addition, the remittance service based on the present invention not only electronically sends monetary value-related information but also actually sends the product SK as a message card to the other party. etc., can be sent with a gift. Moreover, the recipient of the monetary value-related information as digital currency can also leave a message card.
In addition, since monetary value-related information is sent as digital currency, it is possible to keep a record of when and how much was sent/received.

DB1: management information storage unit, DB2: reception management information storage unit, FT: envelope, MC: message card, MR: message entry field, NC: code, NW: Network SK Product 10, 100 Remittance processing device 11, 101 Communication unit 12, 102 Control unit 13, 103 Storage unit 20 Remittance Terminal 30 Receiving terminal 40 Digital currency providing device 121 Procedure determining unit 122 Remittance procedure screen providing unit 123 Receiving procedure screen providing unit 124 Management information registration unit 125 Receipt procedure unit 126 Remittance request site connection unit 127 Receipt request site connection unit 128 Reception management information registration unit

Claims (10)

A device for performing a procedure for sending monetary value-related information as electronic information related to monetary value using a product attached with a code having individuality expressing single connection destination information,
communicatively connected via a network to a remittance terminal used by the sender of the monetary value-related information and a receiving terminal used by the receiver of the monetary value-related information;
remittance procedure screen providing means for returning information for displaying a remittance procedure screen corresponding to the connection destination information to the remittance terminal when the connection destination information corresponding to the code attached to the product is received;
receiving procedure screen providing means for returning information for displaying a receiving procedure screen to the receiving terminal when the connection destination information is received and the remittance procedure corresponding to the connection destination information has been completed;
A remittance processing device comprising at least: management information storage means for storing the connection destination information in advance and storing management information issued in response to a remittance request in association with the connection destination information;
Procedure determination means for referring to the management information storage means in response to receiving the connection destination information and determining a requested procedure based on the registration status of the management information registered in association with the connection destination information. When,
Along with the provision of the remittance procedure screen, the management information is issued in response to receiving the remittance request including the remittance amount information from the remittance terminal, and the management information is associated with the connection destination information being connected to the Management information registration means for registering in management information storage means;
further comprising
the remittance procedure screen providing means, when the procedure determination means determines that the management information is not registered in the management information storage means, transmits information for displaying the remittance procedure screen to the remittance terminal;
The receiving procedure screen providing means transmits information for displaying the receiving procedure screen to the receiving terminal when the procedure determining means determines that the management information is registered in the management information storing means.
The remittance processing device according to claim 1. Accompanied by the receipt procedure screen being provided, the management information storage means is referred to in response to receiving a receipt request from the receiving terminal, and specified by the management information registered in association with the connection destination information during connection. further comprising receiving procedure means for giving points corresponding to the remittance amount to the receiving terminal,
The remittance processing device according to claim 2. further communicably connected via the network to a digital currency providing device that provides digital currency;
reception management information storage means for storing reception management information in which the connection destination information is stored in advance and issued in response to a remittance request in association with the connection destination information;
A procedure for referring to the reception management information storage means in response to receiving the connection destination information and determining the requested procedure based on the registration status of the reception management information registered in association with the connection destination information. a discriminating means;
remittance request site connection means for connecting the remittance terminal to the digital currency providing device in response to receiving a remittance request from the remittance terminal in response to the provision of the remittance procedure screen;
Along with the provision of the remittance procedure screen, the reception management information issued by the digital currency providing device is received from the remittance terminal, and the reception management information is stored in association with the connection destination information that is currently connected. reception management information registration means for registering in the means;
receipt request site connection means for connecting the receipt terminal to the digital currency providing device in response to receiving a receipt request from the receipt terminal along with the provision of the receipt procedure screen;
further comprising
the remittance procedure screen providing means, when the procedure determination means determines that the reception management information is not registered in the reception management information storage means, transmits information for displaying the remittance procedure screen to the remittance terminal;
When the procedure determination means determines that the reception management information is registered in the reception management information storage means, the reception procedure screen providing means transmits information for displaying the reception procedure screen to the receiving terminal.
The remittance processing device according to claim 1. The code is a two-dimensional code,
The remittance processing device according to any one of claims 1 to 4. A system for performing a procedure for sending monetary value-related information as electronic information related to monetary value using a product with a unique code that expresses a single connection destination information,
A remittance terminal used by a sender of said monetary value-related information and a receiving terminal used by a receiver of said monetary value-related information, which are communicably connected via a network, any one of claims 1 to 3 and the remittance processing device described in
The remittance terminal
means for reading an image of the code attached to the product;
means for displaying information provided by reading said code;
a means of requesting remittance by inputting the amount to be remitted;
with
The receiving terminal
means for reading an image of the code attached to the product;
means for displaying information provided by reading said code;
a means of requesting receipt of a remittance;
A remittance processing system. A system for performing a procedure for sending monetary value-related information as electronic information related to monetary value using a product with a unique code that expresses a single connection destination information,
A remittance terminal used by a sender of said monetary value-related information, a receiving terminal used by a receiver of said monetary value-related information, and a remittance processing apparatus according to claim 1 and 4, which are communicably connected via a network. and a digital currency providing device that provides digital currency,
The remittance terminal
means for reading an image of the code attached to the product;
means for displaying information provided by reading said code;
a means of requesting remittance by inputting the amount to be remitted;
with
The receiving terminal
means for reading an image of the code attached to the product;
means for displaying information provided by reading said code;
a means of requesting receipt of a remittance;
with
The digital currency providing device
means for issuing reception management information in response to a remittance request including remittance amount information received from the remittance terminal via a remittance procedure screen provided by the remittance processing device;
In response to the receiving request received from the receiving terminal via the receiving procedure screen provided by the remittance processing device, digital currency corresponding to the remittance amount specified by the issued reception management information is issued to the receiving terminal. means and
A remittance processing system. A device communicatively connected via a network to a remittance terminal used by a sender of monetary value-related information as electronic information related to monetary value and a receiving terminal used by a receiver of said monetary value-related information ,
A method for electronically sending the monetary value-related information using a product to which a code having individuality expressing single connection destination information is attached, comprising:
a processing step of returning information for displaying a remittance procedure screen corresponding to the connection destination information to the remittance terminal when the connection destination information corresponding to the code attached to the product is received;
a processing step of returning information for displaying a receipt procedure screen to the receiving terminal when the connection destination information is received and the remittance procedure corresponding to the connection destination information has been completed;
A remittance processing method that performs at least A computer communicably connected via a network to a remittance terminal used by a sender of monetary value-related information as electronic information related to monetary value and a receiving terminal used by a receiver of said monetary value-related information ,
A computer program for functioning as a remittance processing device that performs a procedure for sending the monetary value-related information using a product attached with a unique code that expresses a single connection destination information,
to said computer,
a step of returning information for displaying a remittance procedure screen corresponding to the connection destination information to the remittance terminal when the connection destination information corresponding to the code attached to the product is received;
a step of returning information for displaying a receipt procedure screen to the receiving terminal when the connection destination information is received and the remittance procedure corresponding to the connection destination information has been completed;
A remittance processing computer program causing at least execution of From a remittance terminal used by a sender of monetary value-related information as electronic information related to monetary value, which is communicably connected via a network, to a receiving terminal used by a receiver of said monetary value-related information, said network A product used when performing the procedure for electronically sending the monetary value-related information via
A single connection destination information that can be read by the remittance terminal and the receiving terminal and enables both a procedure for sending the monetary value-related information and a procedure for receiving the monetary value-related information is expressed. A remittance support product with a unique code attached.

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