JP2024000653A - Management system, withdrawal management method and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a technique capable of reducing a burden on a product or service provider.

SOLUTION: A management system for transmitting an instruction to a financial institution to remit consideration provided to a provider providing a product or a service includes: determination means for determining whether or not delivery of the product or provision of the service to a beneficiary has been completed; and transmission means for, when it is determined that the delivery of the product or the provision of the service has been completed, transmitting, to the financial institution, the instruction to remit the consideration provided to the provider such that the consideration provided for the product or the service is transferred to the provider at a preset date and time.

SELECTED DRAWING: Figure 1

COPYRIGHT: (C)2024,JPO&INPIT

Description

The present invention relates to a management system, a withdrawal management method, and a program.

In recent years, with the spread of buying and selling on the Internet, payment from a product orderer to a product provider is often made by credit card or bank transfer.

Patent Document 1 discloses that after a purchase agent who receives the price for the product is selected and the purchaser pays the price to the purchase agent account, when the product is delivered to the buyer, the purchase agent is transferred from the purchase agent account to the seller. A system for transferring the price of products to an account is disclosed. As a result, the price will not be paid to the seller's account until the product is delivered to the purchaser, so it is possible to reduce the possibility that the product will not be delivered from the seller to the purchaser.

Japanese Patent Application Publication No. 2003-36409

On the other hand, the person from whom the purchaser orders a product or service (underwriter) may be different from the person who provides the product or service (provider). For example, in a commercial transaction system (a system using a so-called EC site) in which an underwriter accepts individual orders from multiple providers all at once, buyers can freely purchase various products and services within one site. I can do it. Then, the purchaser only has to make payment to one place, the underwriter. Therefore, it is highly convenient for the purchaser. In such a case, the purchaser pays the price to the underwriter, then the provider requests the underwriter for the consideration, and then the underwriter pays the consideration to the provider.

However, when many parties are involved in providing goods and services, the flow of money becomes complicated, and it takes a long time from the completion of the provision of goods and services until the provider is paid for the provision. It will pass. For example, in the technology disclosed in Patent Document 1, payment is made to the account of the underwriter who is a seller immediately after the product is provided. However, for example, if there is a person (provider) who receives an order from a seller and provides goods or services on behalf of the seller, the timing at which the provider receives the consideration for that agency (provided consideration) is It may be late. For this reason, a situation arises in which the provider continues to bear the cost of providing for a long period of time.

Therefore, an object of the present invention is to provide a technology that can reduce the burden on providers of products or services.

In order to achieve the above object, the present invention employs the following configuration.

That is, the management system according to one aspect of the present invention is a management system that transmits an instruction to a financial institution to remit the provided consideration to the provider who provided the product or service, and the system transmits an instruction to the financial institution to transfer the provided consideration to the provider who provided the product or service, a determining means for determining whether or not the provision of the service has been completed; A management system comprising: a transmitting means for transmitting an instruction to the financial institution to remit the provided consideration to the provider so that the provided consideration is transferred from a first account to the provider. be.

According to such a configuration, after the provider finishes providing the product or service to the beneficiary (for example, the orderer), when the current time reaches the set time, the provided consideration is transferred to the provider's account. . Therefore, the provider can obtain the consideration for the provision immediately after the set time has elapsed, reducing the period during which the provider has to bear the costs required for the provision. Note that the beneficiary is a person who receives delivery of a product or provision of a service, and is, for example, an orderer (purchaser) of the product.

In the above system, the transmitting means sends an instruction to the financial institution at the set date and time to remit the provided consideration to the provider when it is determined that the delivery of the product or the provision of the service has been completed. You can also send it. According to this, normally, when a financial institution receives a remittance instruction, it immediately carries out the remittance according to the instruction. The consideration provided can be remitted to the provider.

In the above management system, the set date and time may be a date and time determined for each provider by the provider. According to this, since the set date and time can be arbitrarily determined for each provider, the provider can accurately grasp the time at which the provided consideration is to be obtained. Therefore, the provider can easily manage the costs required for provision.

In the above management system, a first date and time is set as the set date and time for the first provider, and the transmission means transmits a plurality of times by the first date and time for the first provider. If the delivery of the product or the provision of the service multiple times has been completed, the total amount of consideration for the delivery of the product or the provision of the service multiple times is An instruction to remit the total amount of money to the first provider may be sent to the financial institution so that the money is remitted to the first provider at a first date and time. According to this, the provider can collectively manage the consideration for multiple offers. Therefore, the burden on the provider to manage the provided consideration is reduced.

Further, a management system according to one aspect of the present invention is a management system that sends an instruction to a financial institution to send a consideration to a provider who has provided a product or service, and the system is a management system that sends an instruction to a financial institution to send a consideration to a provider who has provided a product or service. a determining means for determining whether or not the provision of the service has been completed; and when it is determined that the delivery of the product or the provision of the service has been completed, the product or the service is transferred from a first account to the provider; Transmitting means for transmitting to the financial institution an instruction to remit the provided consideration, and an instruction to adjust the balance of the first account so that a balance of a specific amount or more is maintained in the first account. This is a management system characterized by having the following.

According to such a configuration, the provider can obtain the provided consideration immediately after the delivery of the product or the provision of the service is completed. Since the provided consideration is remitted to the provider from the first account, which is adjusted so that the balance is maintained at a specific amount or more, the possibility that the provided consideration is not remitted to the provider is reduced. Here, for example, if the balance of the first account is determined based on credit, the balance of the first account is changed by transferring the money equivalent to the provided consideration to the account for adjusting the credit limit. maintained. For this reason, the provider can almost certainly obtain the provided consideration, making it easier to manage the provided consideration.

In the above management system, the first account is an account of a business operator that has received a request from a client to provide the product or the service, and the management system is configured to handle the delivery of the product or the provision of the service. It may further include billing means for billing the client to pay at least an amount of money equal to the provided consideration to the vendor when it is determined that the billing has been completed. The client is, for example, a local government. The business operator is, for example, an intermediate business operator.

In the above management system, the transmission means determines that the delivery of the product or the provision of the service is completed even before the requester pays the amount of the provision consideration to the business operator. In this case, an instruction to remit the consideration for providing the product or service from the first account to the provider may be transmitted to the financial institution. According to this, even if the client is delayed in paying the amount of the provision consideration to the business operator, the provider can immediately obtain the provision consideration.

In the above management system, the determining means determines whether or not the delivery of the product or the provision of the service is completed, based on information transmitted from the provider at the time of completion of delivery of the product or provision of the service. may be determined.

In the above management system, the product is provided by a delivery company delivering the product from the provider to the beneficiary, and the determining means includes information identifying the delivery company and information about the product. It may be determined whether the delivery of the product is completed by making an inquiry to the terminal of the delivery company based on the information identifying the delivery. According to this, the management system can determine the completion of product delivery even if the delivery company's terminal does not have a function of transmitting a notification that product provision has been completed upon completion of product delivery.

In the above management system, the determining means may determine that the delivery of the product has been completed when determining that the product has been delivered to the beneficiary.

In the above management system, the beneficiary is a person who receives the product or the service as a return for the hometown tax donation, and the provider is the person who receives the product or the service as a return for the hometown tax donation. The service provider may be a person who provides the service.

The present invention also provides an electronic device, an information processing device, a withdrawal management system, a withdrawal processing system, a support system, a withdrawal management method, a withdrawal processing method, a management method, It can be seen as an information processing method and a support method. Further, the present invention can also be understood as a program that causes a computer to execute each means of the management system (each step of the withdrawal management method), or a storage medium that non-temporarily stores the program.

According to the present invention, the burden on the product or service provider can be reduced.

FIG. 1 is a diagram illustrating an overview of the first embodiment. FIG. 2 is a configuration diagram of the system 1 according to the first embodiment. FIG. 3 is a configuration diagram of the management system 10 according to the first embodiment. 4A to 4E are diagrams illustrating various types of information according to the first embodiment. FIG. 5A is a flowchart of municipal registration processing according to the first embodiment, and FIG. 5B is a flowchart of provider registration processing according to the first embodiment. FIG. 6 is a flowchart of withdrawal management processing according to the first embodiment. FIG. 7 is a diagram illustrating the effects of the first embodiment when compared with a comparative example. FIG. 8 is a diagram illustrating an overview of modification example 1. FIG. 9 is a flowchart of withdrawal management processing according to modification 1. FIG. 10 is a diagram illustrating an overview of modification example 2.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the drawings. Note that the present invention is not limited to the described embodiments. Furthermore, not all of the components described in the embodiments are essential to the present invention.

<Embodiment 1>
First, in Embodiment 1, a management system 10 that manages product provision services will be described. In the management system 10, when an orderer orders a product, the provision price is remitted to the provider at a preset date and time (set date and time) after the provider completes providing the product (delivery of the product). Instruct the financial institution to make the remittance.

In the following, an explanation will be given of a case in which a donor (orderer) makes a donation to a local government and then orders a return gift (product) in return regarding the hometown tax donation. For this reason, the management system 10 manages a service for providing return gifts to donors (a service provided by an intermediary business operator). Here, with reference to FIG. 1, an overview of the flow of interactions among the donor, the local government, the intermediary business operator, the provider (the person providing the return gift), etc. according to the first embodiment will be explained.

First, (1) the donor makes a donation to the local government (that is, pays the donation amount and orders a return gift). (2) The local government places an order with an intermediary business operator to provide return gifts in response to donations from donors. (3) The intermediate business operator orders the provider to provide return gifts in response to the order from the local government. (4) The donor ships the return gift to a delivery company so that the return gift is delivered to the donor.

(5) The provider transmits shipping information including delivery company information and shipping date and time information to the intermediate business operator. (6) The delivery company delivers the return gift to the donor. (7) The intermediate business operator determines whether the return gift has been delivered to the donor (the provision of the return gift is complete). For example, the intermediate business operator determines whether or not the return gift provision has been completed, depending on whether or not the intermediary business operator has acquired arrival completion information indicating completion of the return gift provision from the delivery company. (8) When the set date and time is reached, the intermediary business operator instructs the bank to transfer (withdraw) the provided consideration from the intermediary business account to the provider's account.

(9) Upon receiving the transfer instruction, the bank transfers the provided consideration from the intermediary business's account (or the bank account based on the contract between the bank and the intermediate business) to the provider's account. (10) The intermediary business operator requests the local government for the cost of providing the return gift (service consideration). (11) The local government transfers the payment to the account of the intermediate business operator.

Although FIG. 1 shows only one donor and one donor, in reality, there are multiple donors and multiple donors. Therefore, the above exchanges (1) to (9) are executed for each donor and each donor. Although the processing for one donor and one provider will be described below, it is assumed that the processing is actually executed for each donor and each provider. Note that, for example, the processing for requesting the provision consideration in (9) and the processing for requesting the price in (10) may be performed for a plurality of providers at once.

Referring to FIG. 2, a system 1 that realizes the exchange shown in FIG. 1 will be described. In other words, a system 1 will be described in which a return gift is delivered to a donor and the donation price is promptly paid to the donor. The system 1 includes a management system 10, a donor terminal 11, a local government terminal 12, an intermediate business terminal 13, a delivery company terminal 14, a provider terminal 15, and a financial system 16.

The management system 10 manages the return gift offering service provided by the intermediate business operator. The management system 10 is a system that can be accessed by a local government terminal 12 and an intermediate business terminal 13. The management system 10 is, for example, a server on a cloud. The management system 10 includes a provider management system 101, a donation management system 102, and a withdrawal management system 103.

The provider management system 101 acquires provider information (information such as provider name, provider overview, provider's account number, and withdrawal setting date and time) from the provider terminal 15 (see FIG. 4B).

The donation management system 102 acquires donation information (information such as the name of the local government, the amount of donation, and the name of the return gift) from the local government terminal 12 (see FIG. 4C). The donation management system 102 also determines whether the delivery company has delivered the return gift to the donor (the provision of the return gift has been completed).

The withdrawal management system 103 transmits a withdrawal instruction to the financial system 16 when a set date and time determined for each donor is reached after the delivery company delivers the return gift to the donor.

The donor terminal 11 is a terminal (for example, a PC, a smartphone, or a server) used by a donor. A donor can use the donor terminal 11 to make a donation to the local government (that is, pay the donation amount and order a return gift).

The local government terminal 12 is a terminal (for example, a PC, a smartphone, or a server) used by the local government. The local government terminal 12 orders an intermediary (management system 10) to provide a return gift in accordance with the donation information from the donor terminal 11.

The intermediate company terminal 13 is a terminal (for example, a PC, a smartphone, or a server) used by the intermediate company. The intermediate business operator uses the intermediate business terminal 13 to manage the settings of the management system 10 and the like.

The delivery company terminal 14 is a terminal (for example, a PC, a smartphone, or a server) used by the delivery company. The delivery company uses the delivery company terminal 14 to obtain information regarding the return gift (donor name, return gift name, and delivery destination of the return gift) from the provider terminal 15. Further, the delivery company may use the delivery company terminal 14 to transmit arrival completion information indicating that the return gift has been delivered to the donor to the management system 10.

The provider terminal 15 is a terminal (for example, a PC, a smartphone, or a server) used by the provider. When the donor uses the donor terminal 15 to obtain order information (information such as the donor's name, return gift name, and return gift delivery address) from the management system 10, the donor will be sent to the donor indicated in the order information. Ship the return gift to a delivery company so that it can be delivered. At this time, the donor uses the donor terminal 15 to transmit information regarding the return gift (name of the donor, name of the return gift, and delivery destination of the return gift) to the delivery company terminal 14 .

The financial system 16 is a system used by banks (financial institutions). The financial system 16 manages deposits and withdrawals into two accounts (a first account 161 and a second account 162) of an intermediary business at a bank. Note that during bank business hours, the financial system 16 performs the withdrawal process (transfer process) in accordance with the withdrawal instruction at the same timing as when the withdrawal instruction is received.

The first account 161 is an account for transferring (withdrawing) consideration for the return gift to the donor's account. For example, money will not be withdrawn from the first account 161 except to the provider who provides the gift in return (if there are multiple providers, the multiple providers). For the first account 161, a credit limit (balance) is set, for example, based on the credit of the local government (local government registered in the management system 10) that has contracted with the bank together with the intermediate business operator. Further, the first account 161 is adjusted so that the balance is maintained at a certain amount or more. In the first account 161, after the provided consideration is transferred to the provider's account, the balance is adjusted by, for example, transferring money in the amount of the provided consideration from the second account 162 to the first account 161. There is. In addition, in the first account 161, even if the balance is adjusted by transferring money in the amount of the provided consideration from the second account 162 to the third account for adjusting the credit limit of the first account 161. good. Here, the certain amount may be an amount that does not cause a delay in the transfer of the provided consideration to the provider's account, and may be, for example, the total withdrawal amount from the first account 161 in December of the previous year. This is because December is the month in the year when hometown tax donations are concentrated and the month in which the total amount withdrawn from the first account 161 is the largest. In other words, this is because it is difficult to imagine that an amount larger than the total amount withdrawn in December will be withdrawn from the first account 161 in one month. In addition, in the first account 161 corresponding to a local government where a specific fruit is a specialty, the fixed amount may be the total withdrawal amount for one month during the season of that fruit in the previous year. This is because donations in local governments are concentrated when certain fruits are in season.

The second account 162 is an account to which the local government transfers the commission fee, consideration for providing return gifts, and usage fee for the financial system 16 to the intermediate business operator. Since the second account 162 is used for various purposes as described above, unlike the first account 161, the balance is not necessarily adjusted to maintain a constant amount.

Note that the intermediary business operator does not necessarily need to prepare the first account 161 and the second account 162 in order to realize the processing of the management system 10 according to the first embodiment. For example, the provision consideration may be transferred from the second account 162 to the provider's account without the first account 161 existing.

(Detailed configuration of management system)
The detailed configuration of the management system 10 will be described with reference to FIG. 3. The management system 10 includes a provider management system 101, a donation management system 102, a withdrawal management system 103, and a data registration unit 104. Various data is registered in the data registration unit 104 so that each system in the management system 10 can refer to (share) data (information).

The provider management system 101 includes a reception section 111, an ordering section 112, a shipping information acquisition section 113, and a billing section 114.

The reception unit 111 receives an application from the local government terminal 12 to use a return gift providing service (a return gift providing service using the management system 10) provided by an intermediary business operator.

Further, the reception unit 111 receives return gift information from the provider terminal 15 as an application for registration of a return gift in the return gift providing service. Here, as shown in FIG. 4A, for example, the return gift information includes information such as the name of the return gift, the name of the provider, the consideration provided, a summary of the return gift, and a photo of the return gift.

Furthermore, the receiving unit 111 receives provider information from the provider terminal 15 as an application for the use of a service that transfers the provided consideration at a set date and time. As shown in FIG. 4B, the provider information includes, for example, the provider's name, the overview of the provider, the provider's account number (to which the provided consideration is to be transferred), and the set date and time for withdrawal (the date and time for which the provided consideration is to be transferred). Contains information. Therefore, the provider can arbitrarily set the date and time for receiving the provided consideration as the set date and time. For example, the provider can set a specific time on the 20th of every month, a specific time every Friday, or a specific time every day as the set date and time. Also, the set date and time is, for example, 10:00 on June 10th.
It may be a date and time with a wide range, such as 00:00 to 17:00. In this case, the transfer of the provided consideration and the instruction to transfer the provided consideration may be performed at any timing within this time range.

The ordering unit 112 transmits ordering information (information such as the donor's name, the name of the return gift, and the delivery destination of the return gift) to the provider terminal 15 in order to order the donor to provide the return gift.

The shipping information acquisition unit 113 acquires shipping information from the provider terminal 15 after the provider ships the return gift to the delivery company. For example, as shown in FIG. 4D, the shipping information includes a management number for managing donations, a shipping date and time, a delivery company name (or an identification number for identifying the delivery company), and a delivery identification number (for identifying the delivery). This includes information such as the number for

When the return gift reaches the donor (determining that the return gift has been delivered to the donor), the billing unit 114 invoices the local government for the amount of consideration for providing the return gift, commission fees, etc. Requiring intermediaries to pay. Specifically, the requesting unit 114 requests that the money equivalent to the consideration for providing the return gift, the commission fee, etc. be transferred to the second account 162. As a result, it is possible to control the amount of money held by the intermediate business operator (the balance of the second account 162) so that it does not decrease significantly. For example, at the end of the month or on a specific day, the billing unit 114 bills all the money for the amount of consideration required up to that point and the money for the commission fee.

The donation management system 102 includes a donation information acquisition section 121 and a completion determination section 122.

The donation information acquisition unit 121 acquires donation information, which is information regarding donations from donors, from the local government terminal 12. For example, as shown in FIG. 4C, the donation information includes a management number for managing the donation, the name of the municipality where the donation was made, the donation amount, the name of the return gift corresponding to the donation, the name of the donor, and the delivery of the return gift. It includes information such as the destination and the delivery status (arrival status) of the return gift. The donation information may include the name of the provider who provides the return gift. Note that at the time when the donation information acquisition unit 121 acquires the donation information from the local government terminal 12, the provided information indicates that the return gift has not been provided (has not arrived).

The completion determination unit 122 determines whether the return gift has been delivered to the donor (the provision of the product has been completed). For example, the completion determination unit 122 determines whether arrival completion information has been acquired from the delivery company terminal 14. Depending on the situation, it is determined whether or not the provision of the product has been completed. The arrival completion information includes, for example, as shown in FIG. 4E, a delivery company name, a delivery identification number, and information on the arrival date and time.

The withdrawal management system 103 includes an instruction transmitter 132. The instruction transmitting unit 132 transmits to the financial system 16 an instruction to withdraw (transfer) the provided consideration from the intermediary business's account (first account 161) to the provider's account.

Note that the management system 10 can be configured by a computer including a CPU (processor; control device), memory, and storage. In this case, the configuration shown in FIG. 3 is realized by loading a program stored in storage into memory and having the CPU execute the program. Alternatively, all or part of the configuration of the management system 10 may be configured using ASIC, FPGA, or the like. Alternatively, all or part of the configuration may be realized by cloud computing or distributed computing.

(Processing of local government registration)
Referring to the flowchart of FIG. 5A, a process for registering a local government for registering a local government that uses the gift return service will be described. The process in the flowchart of FIG. 5A is executed for each local government.

In step S<b>1001 , the receiving unit 111 determines whether or not an application for using the return gift offering service has been received from the local government terminal 12 . If it is determined that the application to use the return gift offering service has been accepted, the process advances to step S1002. If it is determined that the application to use the return gift offering service has not been accepted, the process of step S1001 is repeated.

In step S1002, the reception unit 111 registers the local government that has received the application for the return gift service in the data registration unit 104 as a user of the return gift service. Local governments registered in the data registration unit 104 can use the return gift providing service (place an order with an intermediary business operator to provide return gifts).

(Processing of provider registration)
Referring to the flowchart of FIG. 5B, a provider registration process for registering a provider who provides a return gift will be described. The process in the flowchart of FIG. 5B is executed for each provider.

In step S2001, the reception unit 111 determines whether or not return gift information (see FIG. 4A) has been acquired from the provider terminal 15 as an application for return gift registration. If it is determined that the return gift information has been acquired, the process advances to step S2002. If it is determined that the return gift information has not been acquired, the process of step S2001 is repeated.

In step S2002, the reception unit 111 registers return gift information (return gift) in the data registration unit 104. This allows the registered local government to use the local government terminal 12 to place an order for the return gift indicated by the return gift information registered in the data registration unit 104. Further, by making a donation, the donor can request the local government to deliver the return gift indicated by the return gift information registered in the data registration unit 104 to the donor.

In step S2003, the reception unit 111 sends the donor an application to use a service (early transfer service) that transfers the consideration for the gift to the donor's account at a set date and time after the gift is delivered to the donor. It is determined whether or not it has been received from the terminal 15. Here, when the provider information is acquired from the provider terminal 15, the reception unit 111 determines that an application to use the early transfer service (an application for the early transfer service) has been received. If it is determined that the application for the early transfer service has been accepted, the process advances to step S2004. If it is determined that applications for the early transfer service are not accepted, the processing of this flowchart ends. In addition, for providers who have not applied for the early transfer service, the provided consideration will be transferred to the provider's account at the date and time agreed upon between the intermediary business and the local government (for example, at the end of the month). Ru. Specifically, when this date and time is reached after the return gift has been provided, the instruction sending unit 132 sends an instruction to the financial system 16 to transfer the donation amount from the first account 161 to the donor's account. Note that instead of the date and time agreed upon between the intermediate business operator and the local government, the date and time agreed upon by the local government may be used.

In step S2004, the reception unit 111 registers provider information in the data registration unit 104. As a result, the provider indicated by the provider information registered in the data registration unit 104 can use the early transfer service.

Note that, according to the flowchart of FIG. 5A, a local government is registered in the data registration unit 104 based on information from the local government terminal 12; It may be registered in the section 104. Similarly, for example, based on the information (return gift information and business information) input to the intermediate business terminal 13, these pieces of information may be registered in the data registration unit 104.

(Withdrawal management processing)
With reference to the flowchart of FIG. 6, a withdrawal management process for paying the consideration for providing a return gift to the provider's account as an early transfer service will be described. Note that the "municipality" in this flowchart is the municipality registered in the data registration unit 104 in step S1002. In addition, the "provider" in this flowchart is the provider indicated by the return gift information registered in the data registration unit 104 in step S2002, and the provider information registered in the data registration unit 104 in step S2004. Assume that the provider is

In step S3001, the donation information acquisition unit 121 determines whether donation information has been acquired from the local government terminal 12. If it is determined that donation information has been acquired, the process advances to step S3002. If it is determined that the donation information has not been acquired, the process of step S3001 is repeated.

In step S3002, the donation information acquisition unit 121 determines that the return gift is requested by the local government (requester), and registers the donation information in the data registration unit 104.

In step S3003, the ordering unit 112 finds a provider who can provide the return gift corresponding to the donation information by comparing the return gift name indicated by the donation information with the return gift name indicated by the return gift information. Then, the ordering unit 112 transmits ordering information (information such as the donor's name, the name of the return gift, and the delivery destination of the return gift) to the provider terminal 15 of the donor. Accordingly, the ordering unit 112 orders the provider to provide the return gift. In addition, in hometown tax donations, there is a one-to-one correspondence between the return gift and the donor who provides the return gift, and the donor's name is usually presented to the donor as well as the name of the return gift. For this reason, there is little need to consider this for hometown tax donations, but for example, if there are multiple donors who can provide return gifts corresponding to donation information and the donor does not select a donor, the ordering department may 112 may select one provider at random from among the plurality of providers.

In step S3004, the shipping information acquisition unit 113 determines whether shipping information has been acquired from the provider terminal 15. If it is determined that shipping information has been acquired, the process advances to step S3005. If it is determined that shipping information has not been acquired, the process of step S3004 is repeated.

In step S3005, the completion determination unit 122 checks the provision status, which is the status of whether the return gift has been delivered (delivered) to the donor. For example, the completion determination unit 122 inquires of the delivery company terminal 14 about the provision status (arrival status) of the return gift based on the information (delivery company name and delivery identification number) indicated by the shipping information. Alternatively, the completion determination unit 122 confirms (determines) whether arrival completion information has been acquired from the delivery company terminal 14.

In step S3006, the completion determination unit 122 determines whether the return gift has been delivered to the donor (arrival has been completed). If it is determined that the return gift has been delivered to the donor, the process advances to step S3007. If it is determined that the return gift has not been delivered to the donor, the process advances to step S3005.

In step S3007, the completion determination unit 122 changes the provision status in the donation information registered in the data registration unit 104 to “provided”.

In step S3008, it is determined whether the current date and time has reached the set date and time indicated by the provider information. If it is determined that the current date and time has reached the set date and time, the process advances to step S3009. If it is determined that the current date and time has not reached the set date and time, the process of step S3008 is repeated.

Here, the set date and time is, for example, a specific time at the end of the month or a specific time every Friday.

In step S3009, the instruction transmitting unit 132 transmits an instruction to transfer (withdraw) the provided consideration from the first account 161 to the provider's account to the financial system 16 at the set date and time. At this time, the first account 161 contains, for example, 5 billion yen as a balance. Immediately upon receiving the instruction (at the set date and time), the financial system 16 transfers (withdraws) the provided consideration from the first account 161 to the provider's account.

In step S3010, the instruction transmitting unit 132 transmits to the financial system 16 an instruction to transfer (withdraw) money equivalent to the provided consideration from the second account 162 to the first account 161. According to this, since the money equivalent to the provided consideration is immediately transferred to the first account 161, a constant amount of money (money above a specific amount) is always maintained. Therefore, it is possible to reduce the possibility that the provided consideration will not be transferred from the first account 161 to the provider's account. Note that the instruction sending unit 132 may send to the financial system 16 an instruction to transfer money in the amount of the provided consideration from the second account 162 to the account for adjusting the credit limit of the first account 161. That is, the instruction transmitting unit 132 may transmit any instruction as long as it can provide an instruction to adjust the balance of the first account 161 to be maintained at a specific amount or more.

Furthermore, even if it is not possible to transfer the money equivalent to the provided consideration from the second account 162 to the first account 161, the balance in the first account 161 is adjusted so that a certain amount of money is maintained until then. ing. Therefore, it is unlikely that the provided consideration will not be transferred from the first account 161 to the provider's account. In other words, even if the balance of the second account 162 is 0, the provider can receive the provision consideration (it can be said that the provider is paid preferentially).

Note that the processing order of step S3009 and step S3010 may be reversed, or the processing of step S3009 and step S3010 may be performed simultaneously. Note that the processes in steps S3009 and S3010 may be executed before the local government (client) pays the intermediary business operator the amount of money or commission fee related to the provision of the return gift, or may be executed afterward. May be executed.

According to the first embodiment, as shown in FIG. 7, the money is withdrawn when the set date and time is reached after the return gift arrives. If a withdrawal is made as in Embodiment 1, the provider will make a request after the delivery and the withdrawal will be made earlier than in the case of Comparative Example 1 shown in FIG. 7. becomes possible. In other words, it is possible to reduce the period during which the provider bears the costs associated with providing the return gift (the burden associated with providing the return gift can be reduced).

In addition, if the withdrawal is made as in Embodiment 1, the withdrawal is made at the time of ordering (or shipping) the return gift to the provider (comparative example 2 shown in FIG. 7). , it becomes possible for intermediaries to make withdrawals with less risk. Specifically, in the case of Comparative Example 2, there is a possibility that the donor does not deliver the return gift to the donor after the withdrawal. On the other hand, according to the first embodiment, the money is withdrawn after the return gift arrives, so there is no possibility that the return gift will not reach the donor.

Furthermore, in the first embodiment, the set date and time is a date and time set for each provider. According to this, the provider can accurately grasp at what timing they can receive the provided consideration. For example, if the donor has delivered (delivered) each of the return gifts to the corresponding donor by the set date and time (for example, 5:00 p.m. on the 20th of every month), then at the set date and time, The consideration for providing multiple return gifts (the total amount of consideration for multiple gifts) is transferred to the donor's account at once. Therefore, it becomes easier for the provider to manage the provided consideration than when the provided consideration is transferred separately. In other words, it is also possible to reduce the cost of the provider's work required to provide the return gift.

Furthermore, the set date and time may be determined not for each provider but for each return gift provided. In such a case, the set date and time may be, for example, a predetermined time (e.g., 30 minutes) after the donation status in the donation information is changed to "Provided" (i.e., the return gift is delivered to the donor). or one hour later) may be set. If set in this way, the period during which the donor bears the cost of providing the gift in return can be further reduced. Further, the set date and time does not necessarily need to be set, and the instruction transmitting unit 132 may execute the processing of step S3009 and step S3010 at the time it is determined that the product has been delivered to the donor.

Further, in the first embodiment, the management system 10 transmits an instruction to transfer the provided consideration to the provider's account to the bank (financial institution) at a set date and time, and accordingly, the bank transfers the provided consideration to the provider's account at the set date and time. Transfer the consideration. However, for example, the management system 10 may send a transfer instruction (a transfer reservation instruction) to the bank before the set date and time so that the provided consideration is transferred to the provider's account at the set date and time. In other words, as long as the provision fee can be transferred at the set date and time, the timing of the transfer instruction and the actual timing of the transfer do not have to coincide.

Although the return gift is described as being delivered to the donor, the return gift may be delivered (or provided) to a third party (beneficiary) other than the donor. For example, a donor may make a donation (order a return gift) so that the return gift is delivered to the donor's relative. Further, the provider may also serve as a delivery company.

Furthermore, the provided consideration is not limited to being transferred to the provider's account. For example, the provision consideration may be transferred from the first account 161 to the provider as electronic money points used by the provider.

<Modification 1>
In Embodiment 1, an example was explained in which return goods (products) are provided in return for hometown tax payments (donations), but the management system 10 can also be applied to cases where services (services) are provided in return for donations. It is. Providing services includes, for example, providing transportation by taxi or bus, admission to local facilities (art galleries and museums), cleaning gardens or graves, or providing lectures on a particular subject.

In this case, as shown in FIG. 8, the provider directly provides the service to the donor, so unlike in FIG. 1, there is no delivery company. For this reason, (2) when a local government places an order to provide a service to an intermediary business operator in return, (3) the intermediary business order the provider to provide a service, and then (4) from the provider. Services are provided to donors. (5) When the provider sends notification that the provision of the service has been completed (provision completion information) to the intermediary business operator, (6) the intermediate business operator transfers the consideration for providing the service to the bank in the provider's account. instruct them to transfer the amount to

With reference to the flowchart of FIG. 9, the withdrawal management process according to Modification 1 will be described. Below, only steps S4001 and S4002 will be explained. Note that the other processes in steps S3001, S3002, and S3007 to S3010 are the same as the process with the same name in FIG. 6, except that "return gift" is replaced with "service". Furthermore, in this modification, the donation information includes a "service name" instead of a "return gift name" and a "service providing location" instead of a "delivery destination."

In step S4001, the ordering unit 112 orders the provider to provide the service by transmitting ordering information (information such as the donor's name, service name, and service providing location) to the provider terminal 15.

In step S4002, the completion determination unit 122 determines whether the provision of the service at the service provision location indicated by the order information has been completed. Specifically, the completion determination unit 122 determines whether the provision of the service is completed based on whether information indicating that the provision of the service has been completed is obtained from the provider terminal 15 at the time of completion of the provision. . If it is determined that the service provision has been completed, the process advances to step S3007. If it is determined that the provision of the service has not been completed, the process of step S4002 is repeated.

According to Modification 1, even if a service is provided to a donor at a specific location, the provision fee is paid into the donor's account at the set date and time after the provider completes the provision. Therefore, the provider can obtain the provision fee at a desired date and time, thereby reducing the burden on the provider.

<Modification 2>
In Embodiment 1 and Modified Example 1, an example of providing a return gift (return gift or service) for hometown tax donations was explained, but even if products or services are provided using an EC (Electronic Commerce) site, Management system 10 is applicable.

In this case, as shown in FIG. 10, the "donor" in Embodiment 1 is replaced with "orderer" and the "donation" is replaced with "order." Then, "local government" is read as "EC site operator" or "EC site", and "return gift" is read as "product". With this, when an orderer orders a product using an EC site, the provided consideration will be transferred to the provider's account when the set date and time is reached after the provider delivers the product to the orderer. I can do it.

Furthermore, the "donor" in Modified Example 1 may be replaced with "orderer," the "donation" may be replaced with "order," and the "local government" may be replaced with "EC site operator" or "EC site."

Note that in Modification 2, the EC site operator and the intermediate business operator may be the same person. In this case, (2) ordering the product, (10) requesting the price, and (11) transferring the price shown in FIG. 10 may not be performed.

According to modification example 2, even when an orderer orders a service or product using an EC site, the provision fee is paid into the provider's account at the set date and time after the provider completes the provision. . Therefore, the provider can obtain the provision fee at a desired date and time, thereby reducing the burden on the provider.

The configurations and processes described in each embodiment and each modification of the present invention described above can be used in arbitrary combination with each other.

10: Management system, 16: Financial system,
101: Donor management system, 102: Donation management system, 103: Withdrawal management system, 161: First account, 162: Second account,
111: Reception department, 112: Ordering department, 113: Shipping information acquisition department, 114: Billing department,
121: Donation information acquisition unit, 122: Completion determination unit,
132: Instruction transmission section, 104: Data registration section

Claims (14)

A management system that sends an instruction to a financial institution to remit a consideration to a provider who has provided a product or service, the management system comprising:
determining means for determining whether delivery of the product or provision of the service to the beneficiary has been completed;
When it is determined that the delivery of the product or the provision of the service is completed, the consideration for providing the product or service is remitted from the first account to the provider at a preset date and time. , a transmitting means for transmitting an instruction to the financial institution to remit the provided consideration to the provider;
A management system characterized by having. The transmitting means transmits an instruction to remit the provided consideration to the provider to the financial institution at the set date and time when it is determined that the delivery of the product or the provision of the service is completed.
The management system according to claim 1, characterized in that: The set date and time is a date and time determined by the provider for each provider;
The management system according to claim 1, characterized in that: The first provider has a first date and time set as the set date and time,
If the first provider has completed a plurality of deliveries of the product or a plurality of provision of the service by the first date and time, the transmitting means transmits the delivery of the product a plurality of times by the first date and time. The total amount of money is transferred to the first provider so that the total amount of the provided consideration corresponding to the delivery or provision of the service multiple times is remitted to the first provider at the first date and time. sending instructions to the financial institution to transfer money to the provider;
The management system according to claim 3, characterized in that: A management system that sends instructions to a financial institution to send consideration to a provider who has provided a product or service, the management system comprising:
determining means for determining whether delivery of the product or provision of the service to the beneficiary has been completed;
When it is determined that the delivery of the product or the provision of the service has been completed, an instruction to remit the consideration for the product or service from the first account to the provider, and a specific instruction to the first account. transmitting means for transmitting to the financial institution an instruction to adjust the balance of the first account so that the balance is maintained at an amount equal to or greater than the amount of;
A management system characterized by having. The first account is an account of a business entity that has received a request from a client to provide the product or service, and
The management system further includes billing means for charging the client to pay at least an amount of money equivalent to the provision consideration to the vendor when it is determined that the delivery of the product or the provision of the service is completed. ,
The management system according to any one of claims 1 to 5. The transmitting means transmits the product if it is determined that the delivery of the product or the provision of the service is completed even before the requester pays the amount of the provision consideration to the business operator. or transmitting an instruction to the financial institution to remit the consideration for providing the service from the first account to the provider;
The management system according to claim 6, characterized in that: The determining means determines whether or not the delivery of the product or the provision of the service is completed, based on information transmitted from the provider at the time of completion of the delivery of the product or the provision of the service.
The management system according to any one of claims 1 to 5. The product is provided by the product being delivered from the provider to the beneficiary by a delivery company,
The determination means determines whether delivery of the product is completed by making an inquiry to a terminal of the delivery company based on information identifying the delivery company and information identifying delivery of the product.
The management system according to any one of claims 1 to 5. The determining means determines that the delivery of the product has been completed when determining that the product has been delivered to the beneficiary.
The management system according to any one of claims 1 to 5. The beneficiary is a person who receives the goods or services in return for hometown tax donations;
The provider is a person who provides the product or the service in return for the hometown tax donation;
The management system according to any one of claims 1 to 5. A withdrawal management method that transmits an instruction to a financial institution to remit the provided consideration to a provider of goods or services, and is executed by a computer,
a determination step of determining whether delivery of the product or provision of the service to the beneficiary has been completed;
When it is determined that the delivery of the product or the provision of the service is completed, the consideration for providing the product or service is remitted from the first account to the provider at a preset date and time. , a sending step of sending an instruction to the financial institution to remit the provided consideration to the provider;
A withdrawal management method characterized by having the following. A withdrawal management method that sends an instruction to a financial institution to send consideration to a provider of goods or services, and is executed by a computer,
a determination step of determining whether delivery of the product or provision of the service to the beneficiary has been completed;
When it is determined that the delivery of the product or the provision of the service has been completed, an instruction to remit the consideration for the product or service from the first account to the provider, and a specific instruction to the first account. a step of transmitting to the financial institution an instruction to adjust the balance of the first account so that the balance is maintained at an amount equal to or greater than the amount of;
A withdrawal management method characterized by having the following. A program for causing a computer to execute each step of the withdrawal management method according to claim 12 or 13.

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