JP2023004614A - Information processing device, program, and remittance method - Google Patents

Abstract

To provide an information processing device capable of further easily adjusting a remittance method between a remittance source and a remittance destination, a program, and a remittance method.SOLUTION: A management server 10 comprises a request information acquisition unit 34, a selection processing unit 35, and a remittance processing unit 36. The request information acquisition unit 34 acquires remittance request information containing at least remittance information from a remittance source to a remittance destination and destination information of the remittance destination. The selection processing unit 35 performs processing for displaying an input form into which answer information on a remittance method is entered on the basis of the destination information on a receiving terminal 2. The remittance processing unit 36 performs electronic money remittance processing to the remittance destination on the basis of the answer information in which electronic money is selected as the remittance method at a terminal of the remittance destination when receiving the answer information.SELECTED DRAWING: Figure 5

Description

The present invention relates to an information processing device, a program, and a remittance method.

Conventionally, there has been known a technique for distributing guidance information for remittance processing and a URL to a web page for replying to the guidance information by e-mail or the like so that remittance can be easily performed through the web page. For example, Patent Document 1 is known as this type of technology. In Patent Document 1, a demand mail generated from the mail address and phone number included in the personal information stored in the database of the server is sent to the delinquent person, and the delinquent person is sent through a response page accessible from the URL contained in the demand mail. describes a technique for executing online payment processing with a computer on the side of a financial institution using a payment method selected by .

JP 2013-101443 A

By the way, in recent years, remittance methods have diversified, such as receipt at an ATM and remittance by electronic money, in addition to bank transfer.

SUMMARY OF THE INVENTION The present invention has been made in view of such circumstances, and aims to provide an information processing device, a program, and a remittance method that can more easily coordinate remittance methods between a remittance source and a remittance destination. aim.

(1) To achieve the above object, an information processing apparatus according to one aspect of the present invention includes a request information acquisition unit that acquires remittance request information including at least remittance information from a remittance source to a remittance destination and remittance destination information; a selection processing unit for executing processing for displaying an input form for inputting reply information regarding a remittance method on the terminal of the remittee based on the destination information; and a remittance processing unit that, upon receiving response information, executes remittance processing of electronic money to a remittee based on the response information.

(2) In the information processing device according to one aspect of the present invention, when the request information acquisition unit acquires the remittance request information, the remittance processing unit calculates the remittance amount included in the remittance request information from the balance of the original funds of the remittance source. Perform deductible balance processing.

(3) In the information processing apparatus according to one aspect of the present invention, when the balance of the original funds becomes negative as a result of the balance processing, the remittance processing unit outputs predetermined notification information instead of the processing of transmitting the electronic money. .

(4) In the information processing device according to one aspect of the present invention, upon receiving the reply information indicating that bank transfer is selected as the remittance method, the remittance processing unit transfers the money to the account designated as the destination based on the reply information. Execute the transfer process to make a bank transfer.

(5) In the information processing apparatus according to one aspect of the present invention, the remittance processing unit outputs an error notification when receiving error information indicating that remittance cannot be performed from the bank system during transfer processing.

(6) In the information processing device according to one aspect of the present invention, the last executed in a series of processes from when the remittance request information is obtained by the request information obtaining unit until remittance to the remittee is completed. an information management unit that acquires status information, which is information based on a result of processing, and outputs the acquired status information to a storage device; A process of acquiring and outputting the status information stored from the storage device is executed.

(7) In the information processing device of one aspect of the present invention, the remittance request information includes a plurality of pieces of remittance information and the destination information.

According to the present invention, it is possible to provide an information processing device, a program, and a remittance method that can more simply adjust remittance methods between a remittance source and a remittance destination.

1 is a schematic diagram showing a remittance system to which a management server according to one embodiment of the present invention is applied; FIG. 3 is a block diagram showing the hardware configuration of a management server according to one embodiment of the present invention; FIG. It is a functional block diagram showing a part of functional configuration of a management server according to one embodiment of the present invention. FIG. 4 is a schematic diagram showing an example of text of an SMS mail in SMS remittance processing according to one embodiment of the present invention; It is a schematic diagram which shows an example of the input screen of the reply information which concerns on one Embodiment of this invention. 4 is a flowchart showing an example of SMS output processing in SMS remittance processing according to one embodiment of the present invention; 4 is a flow chart showing an example of remittance processing in SMS remittance processing according to one embodiment of the present invention.

A remittance system S according to an embodiment of the present invention will be described below with reference to FIG. FIG. 1 is a schematic diagram showing a remittance system S to which a management server 10 according to the present invention is applied. In addition, the remittance object in the remittance process by the remittance system S of this specification refers not only to legal currency, but also to money such as electronic money, cryptocurrency, or money such as points, which has the same function as money. The aspect is not particularly limited.

A remittance system S according to this embodiment includes a remittance source terminal 1, a receiving terminal 2, a management server 10, and a Zengin data communication system (hereinafter referred to as a Zengin system) G. The management server 10 is connected to the sender terminal 1, the receiver terminal 2, and the Zengin system G via a network N such as the Internet.

The remittance source terminal 1 is a computer operated by a remitter as a remittance source for remittance in this embodiment. The remittance source terminal 1 is, for example, a stationary computer such as a desktop personal computer, or a portable computer such as a smart phone or tablet. The remitter's terminal 1 accesses the management server 10 and outputs commands for various processes according to the operation of the remitter. The number of remittance source terminals 1 is not particularly limited, and remittance system S may include n (n is an arbitrary natural number) remittance source terminals 1 . In the following description, the n units of remittance source terminals 1 are simply referred to as "remittance source terminals 1", omitting the alphabet at the end of the reference numerals without distinguishing them.

The receiving terminal 2 is a computer operated by a recipient as a remittee to receive a remittance object sent by a remitter. The receiving terminal 2 is, for example, a stationary computer such as a desktop personal computer, or a portable computer such as a smart phone or tablet. The receiving terminal 2 accesses the management server 10 according to the operation of the receiver and outputs commands for various processes. The number of receiving terminals 2 is not particularly limited, and the remittance system S may include n (n is an arbitrary natural number) receiving terminals 2 . In the following description, the n receiving terminals 2 are simply referred to as "receiving terminals 2" without distinguishing between them and omitting the alphabet at the end of the reference numeral.

The management server 10 is a computer that implements a remittance system S that executes SMS remittance processing, which is remittance processing using SMS (Short Message Service). The SMS remittance process is a process in which the management server 10 inquires of the recipient about reply information via an SMS mail message, and transfers money to the recipient based on the obtained reply information.

The management server 10 is provided with an input website and a management website, as shown in FIG. The website for input is a website for inputting information necessary for remittance processing. For example, the input website includes a request input screen for remittance request information and a reply input screen for reply information, which will be described later. A management website is a website for performing operations related to management of the remittance system S by the administrator of the management server 10 . The management server 10 is also provided with a database that stores various data related to the remittance system S, such as user data, account information, and remittance management information.

The user data is, for example, data related to a user registered to receive various services provided by the management server 10, and is used for identity authentication and the like. The account information includes, for example, the financial institution name, branch name, deposit type, account number, account name, etc. of the user's account registered in the management server 10 . The management server 10 can select a remittance destination account and a remittance source account based on the account information. The remittance management information is status information indicating, for example, which of the steps of the remittance process the remittance process is in. Details such as the status information will be described later.

The Zengin System G is a system for remittances between different financial institutions using communication technology. The Zengin System G is operated by the Japanese Banks Fund Settlement Network (hereinafter referred to as the Zengin Network). The Zengin system G according to the present embodiment includes a Zengin host computer (not shown) that performs processing for remittance, as well as a bank API and a system for managing bank accounts in a bank system as a financial institution. In the Zengin System G, remittances between different financial institutions can be performed by sending Zengin data including information such as the transfer source, the transfer destination, and the transfer amount to the Zengin host computer. The management server 10 according to this embodiment generates and sends Zengin data at the time of remittance processing, which will be described later.

The network N is realized by, for example, the Internet, a LAN (Local Area Network), a mobile phone network, or a network combining these.

<Management server>
Next, an example of the management server 10 will be described. FIG. 2 is a block diagram showing the hardware configuration of the management server 10 according to one embodiment of the present invention.

As shown in FIG. 2, the management server 10 includes a CPU (Central Processing Unit) 11, a ROM (Read Only Memory) 12, a RAM (Random Access Memory) 13, an input section 14, an output section 15, a storage A unit 16 , a communication unit 17 , a power supply unit 18 , a bus 19 and an input/output interface 20 are provided.

The CPU 11 executes various processes based on programs recorded in the ROM 12 or programs loaded from the storage unit 16 to the RAM 13 . In addition to such programs, the RAM 13 also stores data necessary for the CPU 11 to execute various processes.

The CPU 11 , ROM 12 and RAM 13 are interconnected via a bus 19 . An input/output interface 20 is also connected to this bus 19 . Input unit 14 , output unit 15 , storage unit 16 , communication unit 17 and power supply unit 18 are connected to input/output interface 20 .

The input unit 14 is composed of a keyboard, a mouse, etc., and inputs various kinds of information according to user's instruction operations.

The output unit 15 is composed of a liquid crystal display or the like, and outputs an image or video corresponding to the image data or video data output by the CPU 11 .

The storage unit 16 is composed of a semiconductor memory such as a DRAM (Dynamic Random Access Memory) and stores various data. In the remittance system S according to this embodiment, the storage unit 16 is provided with a database for storing user account information, account balance information, and the like.

The communication unit 17 is a device for the CPU 11 to communicate with other devices (for example, the remitter terminal 1, the receiver terminal 2, and the Zengin system G) via the network N.

The power supply unit 18 is configured to be able to supply power to each unit of the management server 10 by being connected to an external power supply.

Next, the functional configuration of the management server 10 will be explained using FIG. FIG. 3 is a functional block diagram showing a functional configuration for executing SMS remittance processing among the functional configurations of the management server 10 of FIG.

First, functional blocks for executing SMS remittance processing of the management server 10 will be described. As shown in FIG. 3, the control unit 30 of this embodiment includes a communication processing unit 31, an output processing unit 32, an input processing unit 33, a request information acquisition unit 34, a selection processing unit 35, and a remittance processing unit. 36 and an information management unit 37 .

The communication processing unit 31 performs processing for communicating with an external device. For example, when the communication unit 17 receives input data from the remittance source terminal 1 to the input website, the communication processing unit 31 transmits the received input data to the request information acquisition unit 34, which will be described later.

The output processing unit 32 performs control for displaying an image on the screen of the output unit 15 . For example, the output processing unit 32 controls to display the management website screen stored in the storage unit 16 on the screen of the output unit 15 . As a result, the screen of the management website is displayed on the screen of the output unit 15 of the management server 10 and can be viewed by the administrator of the management server 10 or the like.

The input processing unit 33 executes processing for receiving an operation by the administrator of the management server 10 or the like input to the input unit 14 . For example, the input processing unit 33 receives an input operation from the administrator to the input unit 14 for managing the remittance system S and for performing SMS remittance processing, which will be described later.

The request information acquisition unit 34 executes input screen output processing for outputting a request input screen for inputting remittance request information and request information acquisition processing for acquiring remittance request information. The remittance request information includes the remitter's customer number, the recipient's name and amount as remittance information, the recipient's telephone number as destination information, and the like. The customer number is a number generated when the remitter registers with the remittance system S, and is associated with the remitter. The management server 10 according to the present embodiment can search the database for the remitter's account information and the like based on the customer number included in the acquired remittance request information.

In the remittance system S according to the present embodiment, information related to the account of the user is stored in the database of the storage unit 16 of the management server 10. By referring to the database based on the customer management number, information can be obtained. As a result, in the remittance system S according to the present embodiment, the remittance process is performed by inputting the minimum necessary information.

In this embodiment, the remittance request information is generated by being input by the remitter based on the request input screen output by the request information acquisition unit 34 and acquired by the request information acquisition unit 34 . Note that the method of obtaining remittance request information by the request information obtaining unit 34 is not limited to this. The management server 10 of the remittance system S according to this embodiment has a dedicated API (Application Programming Interface). The dedicated API is an interface provided in the management server 10 provided by the remittance system S and capable of inputting application information.

The remitter terminal 1 can communicate with the management server 10 via the network N as shown in FIG. 1, and can access the management server 10 via a dedicated API. That is, the request information acquisition unit 34 of the management server 10 may acquire the remittance request information via a dedicated API. Further, the request information acquisition unit 34 of the management server 10 may acquire the remittance request information by acquiring a CSV file or the like in which the transfer information is collectively input.

The selection processing unit 35 executes inquiry SMS processing, error notification SMS processing, response screen output processing, and response information acquisition processing. The inquiry SMS process is a process of generating an SMS mail for inquiring of the recipient how to receive the remittance object. For example, the selection processing unit 35 generates SMS mail as shown in FIG. FIG. 4 is a schematic diagram showing an example of text of SMS mail in SMS remittance processing according to one embodiment of the present invention. The SMS mail generated by the process includes a message for notifying the remittance, an inquiry message for the method of receiving the money, and a link to an answer input screen.

The error notification SMS process is a process of generating an SMS mail requesting re-input of reply information when a remittance error or unhandled error occurs in the remittance process. A remittance error is an error that occurs, for example, when the balance of the transfer source account is insufficient. The unsupported error is an error that occurs when, for example, the financial institution designated as the destination of remittance does not support the remittance system S according to this embodiment. The SMS mail generated by the process contains error details, a re-entry request notification, and a link to an answer entry screen. In addition, in this embodiment, fixed phrases can be set in advance on the management website, making it possible to generate SMS mails more easily.

The reply screen output process is a process of outputting a reply input screen that can be accessed from the URL described in the SMS mail generated by the inquiry SMS process. The answer screen displays a format for inputting answer information. That is, the selection processing unit 35 executes processing for displaying an input format for inputting reply information regarding a remittance method on the remittee's terminal based on the destination information. The input format is a format that requires the input of information necessary for the remittance request, and is displayed on the response input screen within the input website as shown in FIG. FIG. 5 is a schematic diagram showing an example of an input screen for answer information according to one embodiment of the present invention.

In the example of FIG. 5, for example, the answer input screen displays, from the top, selection of receiving method, input of authentication information, account name (kana), bank name, branch name, account number, and remittance execution button. As for the receiving method, the options are bank account, application, and ATM (Automated Teller Machine). The bank account is identified from the account name (kana), bank name, branch name, and account number entered on the answer entry screen.

An application is an application program capable of managing electronic money provided by the remittance system S according to this embodiment. Electronic money provided by the remittance system S is used to receive the remittance through the application. Specific processing will be described later.

The ATM here is a predetermined ATM linked with the remittance system S. Cash can be withdrawn from a predetermined ATM by inputting a password or the like issued for remittance by the remittance system S. For example, when ATM is selected, the management server 10 outputs to the receiving terminal 2 a password for withdrawing money from the ATM.

The response information acquisition process is a process of acquiring response information input by the receiving terminal 2 via the response input screen and selecting a remittance method based on the acquired response information. That is, the selection processing unit 35 of the management server 10 acquires the answer information and selects the remittance selection method by pressing the remittance execution button while the answer information for the items shown in FIG. 5 is entered on the answer input screen. Execute the processing to be performed.

The remittance processing unit 36 performs processing related to remittance such as balance processing and remittance processing. Balance processing is processing for reducing the balance information managed on the database in accordance with the content of the remittance request when remittance request information is acquired. The management server 10 according to the present embodiment manages remittance funds of users using the remittance system S on the database of the storage unit 16 of the management server 10 for each user. Therefore, in the management server 10, the balance information is reduced on the database before actually executing the remittance process, so it is possible to confirm whether or not the balance is insufficient before the process. In addition, the remittance processing unit 36 reflects the balance information for each user managed on the database when executing balance processing.

The remittance process is a process of remittance using the Zengin System G via the bank API based on the reply information. For example, when the remittance processing unit 36 acquires the reply information input by the recipient on the reply input screen, the remittance processing unit 36 generates Zengin data based on the reply information when executing the remittance processing, and instructs the communication processing unit 31 to send the data to the communication unit. 17 to send the Zengin data to the Zengin system G. Zengin data is information necessary for remittance processing between different financial institutions in the Zengin host computer. Zengin data includes, for example, transfer holder name, transfer date, financial institution code, branch code, item, account number, account holder name, amount of money, and other information.

In the Zengin System G, by sending the Zengin data as described above, remittances between different financial institutions can be executed. Thus, the remittance processing unit 36 completes the remittance processing. The Zengin System G transmits a remittance completion notification to the management server 10 when the remittance is completed, and transmits error information when the remittance cannot be made due to insufficient balance or the like. In this case, when the communication processing unit 31 receives a notification and information from the Zengin System G, the selection processing unit 35 instructs the communication processing unit 31 to display an error notification and a re-input screen via the communication unit 17. to output to the receiving terminal 2, prompting the receiver to input again.

If the remittance method is electronic money, the remittance processing unit 36 uses the Zengin system G via the bank API based on the reply information to transfer the remittance source account of the remitter to the account of the administrator of the remittance system S. Perform the process of transferring funds. The management server 10 executes a process of generating electronic money corresponding to the transferred funds and transmitting the electronic money to the receiving terminal 2 .

Further, the information management unit 37 of the management server 10 executes management processing of user permission ID information, user authentication processing, user usage status management processing, and status management processing. In the management processing of the user's permission ID information, the information management unit 37 stores the permission ID information of the user who can access the services provided by the remittance system S, such as the input website and the management website, in the database of the storage unit 16. Memorable.

In the user authentication process, when the user accesses the website for input, the information management unit 37 compares a plurality of permission ID information stored in advance in the database with the access user's ID information, and If there is permission ID information that matches the ID information of the access user, the access user is permitted to access the input website. In this embodiment, for access from the URL attached to the SMS mail, the access user is not authenticated at the time of access, but authentication is performed by entering authentication information on the answer input screen. However, the authentication method is not limited to this.

In the user usage status management process, the information management unit 37 can acquire the user information of the user, and stores the ID information, which is the acquired user information, in the database of the storage unit 16 .

Further, the information management unit 37 of the management server 10 according to the present embodiment can execute personal authentication processing for authenticating the recipient to whom the SMS mail is sent, in addition to the authentication processing described above. The personal authentication process is a process of authenticating by comparing the authentication information input in the reply information by the information management unit 37 with the authentication information shared in advance by the remitter and the recipient. For example, when a preset keyword is registered as authentication information in advance by the remitter and the recipient, the information management unit 37 compares the authentication information entered when obtaining the response information and the authentication information registered in advance to perform authentication. conduct. This makes it possible to prevent erroneous remittance when the number is entered incorrectly and the remittance is sent to a terminal different from the remittance destination.

However, the authentication method is not limited to this. For example, the information management unit 37 of the management server 10 may perform authentication by comparing authentication information notified from an external authentication server via SMS mail with authentication information received from the user.

The status management process manages the above-described status information indicating the progress information of the remittance process. That is, the remittance processing unit 36 manages the progress of the remittance processing by updating the status information stored in the database of the storage unit 16 according to the status of the remittance processing. Status information includes, for example, SMS completed, SMS not received, URL expired, remitted, and remittance error.

"SMS completed" is the status at the timing when the selection processing unit 35 outputs the SMS mail. SMS unarrival is a status when the delivery confirmation of the SMS mail has not been obtained after a predetermined period of time has elapsed since the selection processing unit 35 output the SMS mail. URL expired is a status when the time limit set in the URL described in the SMS e-mail has passed. The management server 10 according to this embodiment is set to output a notification to the receiving terminal 2 when the status information indicates that the URL has expired.

"Remitted" is a status when the remittance processing unit 36 receives a remittance completion notification from the Zengin System G. A remittance error is a status at the timing when the remittance processing unit 36 receives error information from the Zengin System G. The management server 10 according to this embodiment is set to output a notification to the receiving terminal 2 when the status information indicates a remittance error. Also, the status information is not limited to the status described above and can be set according to the purpose.

In addition, the management server 10 according to the present embodiment manages the status information for each remittance case. In addition, the remittance processing unit 36 performs a process of outputting status information according to a command from the outside of the remitter terminal 1 or the like or a command by an input operation to the input unit 14 . For example, the remittance processing unit 36 performs a process of outputting a list of transmission items associated with the remitter on the screen of the remitter terminal 1 . In addition, the remittance processing unit 36 executes a process of outputting a remittance case corresponding to the search condition on the screen of the remitter terminal 1 according to the search command of the remitter terminal 1 . As a result, the progress of the remittance process can be confirmed on the remittance source terminal 1, for example.

Next, SMS remittance processing by the management server 10 according to this embodiment will be described using FIG. The SMS remittance process is a remittance process that is performed based on a reply to an inquiry sent via SMS mail to the recipient of the remittance as described above.

Specifically, first, the management server 10 receives from the remittance source terminal 1 input of remittance request information including the recipient's telephone number information. Next, the management server 10 generates an SMS mail based on the telephone number included in the remittance request information and transmits the SMS mail to the receiving terminal 2 . Next, the management server 10 is accessed from the receiving terminal 2 that clicks on the URL described in the sent SMS mail. Next, the management server 10 acquires the reply information input by the recipient to the input website. Next, the management server 10 performs remittance processing based on the acquired reply information.

As described above, the management server 10 performs SMS remittance processing. The SMS remittance processing by the management server 10 according to this embodiment will be described below in more detail using a flowchart.

<SMS remittance process>
Operations in SMS remittance processing executed in the remittance system S according to this embodiment will be described with reference to FIGS. FIG. 6 is a flowchart showing an example of SMS output processing in SMS remittance processing according to one embodiment of the present invention. FIG. 7 is a flowchart showing an example of remittance processing in SMS remittance processing according to one embodiment of the present invention.

In this embodiment, SMS remittance processing includes SMS output processing and remittance processing. First, the SMS output process will be described. The SMS output process is executed when the request input screen of the input website of the management server 10 is accessed from the remitter terminal 1 operated by the remitter.

First, the request information acquisition unit 34 instructs the communication processing unit 31 to output a request input screen to the remittance source terminal 1 via the communication unit 17 (step S10). Next, the request information acquisition unit 34 confirms whether or not the communication processing unit 31 has received acquisition of remittance request information regarding remittance via the communication unit 17 (step S11).

When the communication processing unit 31 accepts acquisition of remittance request information (step S11: YES), the remittance processing unit 36 subtracts the balance information managed on the database of the storage unit 16 based on the acquired remittance request information. Processing is executed (step S12). Next, the selection processing unit 35 generates an SMS mail based on the remittance request information, and instructs the communication processing unit 31 to transmit the SMS mail to the receiving terminal 2 via the communication unit 17 (step S13). , terminate the process.

On the receiving terminal 2, the receiving website of the management server 10 can be accessed by clicking the URL described in the SMS mail by the operation of the recipient who received the SMS mail. In the management server 10 according to the present embodiment, the remittance process starts at the timing when the receiving terminal 2 accesses the response input screen of the input website of the management server 10 .

First, the selection processing unit 35 instructs the communication processing unit 31 to output an answer input screen to the receiving terminal 2 via the communication unit 17 (step S20). Next, the remittance processing unit 36 confirms whether or not the communication processing unit 31 has received the acquisition of reply information via the communication unit 17 (step S21).

If the communication processing unit 31 has accepted the acquisition of the reply information (step S21: YES), the remittance processing unit 36 generates Zengin data based on the acquired remittance request information and reply information, and issues a command to the communication processing unit 31. Then, a process of transmitting the Zengin data to the Zengin system G via the communication unit 17 is executed. In the example of FIG. 7, it is assumed that electronic money is selected as the receiving method. The remittance processing unit 36 generates electronic money corresponding to the remittance amount, and instructs the communication processing unit 31 to execute processing for transmitting the electronic money to the receiving terminal 2 via the communication unit 17 (step S22).

Next, the remittance processing unit 36 confirms whether or not the communication processing unit 31 has received a remittance error notification or the like from the Zengin System G via the communication unit 17 (step S23). If the communication processing unit 31 receives a remittance error notification or the like (step S23: YES), the remittance processing unit 36 instructs the communication processing unit 31 to send the remittance error notification to the receiving terminal 2 via the communication unit 17. An SMS mail containing the link destination of the re-entry screen is generated and transmitted (step S24), and the process proceeds to step S21. On the other hand, if the communication processing unit 31 has not received a remittance error notification or the like (step S23: NO), the remittance processing unit 36 records remittance completion in the remittance details in the database of the storage unit 16 (step S25). , terminate the process. That is, in the remittance system S according to the present embodiment, the remittance completion is recorded in the statement history based on the remittance completion date.

As described above, the management server 10 according to the present embodiment includes the request information acquiring unit 34 for acquiring remittance request information including at least remittance information from the remitter to the recipient and the recipient's destination information, and the remittance method based on the destination information. A selection processing unit 35 that executes processing for displaying on the receiving terminal 2 an input form for inputting reply information regarding and a remittance processing unit 36 for executing remittance processing of electronic money to the recipient.

This makes it possible to more easily adjust the remittance processing method between the remitter and the recipient.

Further, the remittance processing unit 36 performs balance processing for subtracting the remittance amount included in the remittance request information from the balance of the remitter's source funds when the request information acquisition unit 34 acquires the remittance request information.

As a result, even if request information for remittance processing that exceeds the balance at one time is input, the management server 10 can notice that the balance of the original funds will be insufficient before the remittance processing, and the remitter will have more time to spare. can respond.

Further, when the balance of the original funds becomes negative as a result of balance processing, the remittance processing unit 36 outputs predetermined notification information instead of the processing of transmitting electronic money.

As a result, the sender can notice the shortage of funds at an earlier timing, and can deal with the situation with ample time to spare.

Further, when the remittance processing unit 36 receives the reply information in which bank transfer is selected as the remittance method, the remittance processing unit 36 executes transfer processing for making a bank transfer to the account designated by the recipient based on the reply information.

As a result, the remitter can make a bank transfer only by transmitting the destination information to the management server 10, making the remittance operation easier. In addition, the remitter will be able to choose between at least electronic money remittance and bank transfer, allowing more flexibility in handling remittances to recipients.

Further, when the remittance processing unit 36 receives error information indicating that the remittance cannot be performed from the bank system during the transfer processing, it outputs an error notification.

As a result, the sender can quickly notice that the remittance process has not been completed, and can respond with time to spare.

In addition, status information, which is information based on the result of the last process executed in a series of processes from when the remittance request information is obtained by the request information obtaining unit 34 until the remittance to the recipient is completed, is obtained. and an information management unit 37 for outputting the acquired status information to the database, and when the information management unit 37 acquires the status information output request, the information management unit 37 executes processing for acquiring and outputting the stored status information from the database. .

This allows the sender to check the progress of the remittance process.

Further, in the management server 10 according to one embodiment of the present invention, the remittance request information includes multiple pieces of remittance information and destination information.

Thereby, the management server 10 can include remittance information and destination information regarding a plurality of remittance processes in one remittance request information, and can reduce the time required for remittance requests.

[Modification]
Although one embodiment of the present invention has been described above, the present invention is not limited to the above-described embodiment, and modifications, improvements, etc. within the range that can achieve the object of the present invention are included in the present invention. is. For example, the above-described embodiment can be modified to provide modified examples as exemplified below.

Note that the management server 10 according to the present embodiment starts the balance processing after confirming the acquisition of the remittance request information in the SMS output processing of FIG. 6, but the present invention is not limited to this. For example, after obtaining the remittance request information, the management server 10 may perform approval processing in which an approval processing screen for the remittance request is output to an approver terminal operated by a pre-registered approver. In this case, the management server 10 may start balance processing when the processing result sent from the approver terminal determined based on the approval processing screen is approval. Also, the number of approvers in the approval process of the management server 10 is not limited to one, and can be set to a plurality of persons.

In addition, in the remittance processing according to the present embodiment, after the remittance request information is obtained, the telephone number as the destination information and the URL attached to the SMS mail are transmitted, but the present invention is not limited to this. For example, means for sending the URL attached may be an e-mail, an MMS (Multimedia Messaging Service) mail, or an SNS message. If the means for sending the URL attached is e-mail, the destination information is not a telephone number but an e-mail address.

In addition, the functional configuration in this embodiment is realized by a processor that executes arithmetic processing, and the processor that can be used in this embodiment is composed of various processing units such as a single processor, a multiprocessor, and a multicore processor. In addition to the above, it also includes a combination of these various processing devices and processing circuits such as ASICs (Application Specific Integrated Circuits) and FPGAs (Field-Programmable Gate Arrays).

For example, the series of processes described above can be executed by hardware or by software. In other words, the functional configuration of FIG. 3 and its description are merely examples, and are not particularly limited. That is, it is sufficient for the system to have a function capable of executing the series of processes described above as a whole, and what kind of functional blocks are used to realize this function is not particularly limited to the example in FIG. Also, the locations of the functional blocks are not particularly limited to those shown in FIGS. 2 and 3, and may be arbitrary. Also, 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, a program constituting the software is installed in a computer or the like from a network or a recording medium. The computer may be a computer built into dedicated hardware. Also, the computer may be a computer capable of executing various functions by installing various programs, such as a server, a general-purpose smart phone, or a personal computer.

A recording medium containing such a program not only consists of a removable medium (not shown) that is distributed separately from the device main body in order to provide the program to the user, etc., but is also preinstalled in the device main body and stored in the user's memory. It is composed of a recording medium etc. provided for

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

Further, in this specification, the term "system" means an overall device composed of a plurality of devices, a plurality of means, or the like.

2 receiving terminal 10 management server 34 request information acquisition unit 35 selection processing unit 36 remittance processing unit

Claims (9)

a request information obtaining unit for obtaining remittance request information including at least remittance information from a remittance source to a remittee and destination information of the remittee;
a selection processing unit that executes a process of displaying an input form for inputting answer information regarding a remittance method on the terminal of the remittee based on the destination information;
a remittance processing unit that, when receiving the response information in which electronic money is selected as the remittance method at the remittance destination terminal, executes remittance processing of electronic money to the remittance destination based on the response information;
Information processing device. 2. The information processing according to claim 1, wherein the remittance processing unit performs balance processing by subtracting the remittance amount included in the remittance request information from the balance of the source funds of the remittance source when the request information acquisition unit acquires the remittance request information. Device. 3. The information processing apparatus according to claim 2, wherein said remittance processing unit outputs predetermined notification information instead of the processing of transmitting said electronic money when said balance processing results in a negative balance of said funds. 4. The remittance processing unit, upon receiving the reply information in which bank transfer is selected as a remittance method, executes a transfer process of making a bank transfer to an account designated as a destination based on the reply information. The information processing apparatus according to any one of . 5. The information processing apparatus according to any one of claims 1 to 4, wherein the remittance processing unit outputs an error notification when receiving error information indicating that remittance cannot be performed from a bank system during transfer processing. acquiring status information that is information based on the result of the last process executed in a series of processes from the acquisition of the remittance request information by the request information acquisition unit to the completion of remittance to the remittee; , an information management unit that outputs the acquired status information to a storage device,
5. The information processing according to any one of claims 1 to 4, wherein said information management unit executes a process of acquiring and outputting said status information stored from said storage device when said status information output request is acquired. Device. 6. The information processing apparatus according to claim 1, wherein said remittance request information includes a plurality of said remittance information and said destination information. information processing equipment,
a request information acquisition function for acquiring remittance request information including at least remittance information from a remittance source to a remittee and destination information of the remittee;
a selection processing function for executing processing for displaying an input form for inputting answer information regarding a remittance method on the terminal of the remittee based on the destination information;
a remittance processing function for executing remittance processing of electronic money to a remittee based on the response information when the remittance destination terminal receives the response information in which electronic money is selected as a remittance method. A remittance method executed by an information processing device,
a request information obtaining step of obtaining remittance request information including at least remittance information from a remittance source to a remittee and destination information of the remittee;
a selection processing step of executing a process of displaying an input form for inputting answer information regarding a remittance method on the terminal of the remittee based on the destination information;
and a remittance processing step of executing remittance processing of electronic money to a remittance destination based on the response information when the remittance destination terminal receives the response information in which electronic money is selected as the remittance method.

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