JP2024020555A - Information processing method and terminal - Google Patents

Abstract

PROBLEM TO BE SOLVED: To solve the problem that a user cannot change a value corresponding to money to the money to transmit the money by advance type payment means in the case that the user does not have an account for performing fund transfer.

SOLUTION: An information processing device executes a step for receiving a transmission request including amount value information showing an amount to be transmitted from a first terminal of a first user, a step for receiving a reception request including a reception instruction showing a choice to receive a portion or all of the amount by advance type payment means or fund transfer means from a second terminal of a second user having no account of the fund transfer means, and a step for determining the reception of a part or all of the amount by the second user by the advance type payment means or the fund transfer means according to the reception request.

SELECTED DRAWING: Figure 4

COPYRIGHT: (C)2024,JPO&INPIT

Description

The present invention relates to an information processing method and a terminal, and more particularly to an information processing method and a terminal for remittance to a user who does not have a fund transfer means account.

In recent years, interpersonal remittances using terminals such as smartphones have become increasingly popular, rather than transferring money to bank accounts. Laws such as the Act on Fund Settlement (so-called Fund Settlement Act) and the Act on Prevention of Transfer of Criminal Proceeds (so-called Act on Prevention of Transfer of Criminal Proceeds) impose certain requirements on the transfer of money between individuals. There is. For example, unless both the sending user and the receiving user have an account for transferring funds that can be opened after performing predetermined identity verification, the two users cannot perform interpersonal remittance.

Furthermore, in recent years, points (value) that can be purchased with money have been used as payment means (prepaid payment means) using terminals such as smartphones under certain conditions. Since prepaid payment means do not require identity verification, the psychological hurdles for starting to use them tend to be low, and prepaid payment means are used by many users. Therefore, users who use prepaid payment methods but do not have an account for transferring funds may be required to open an account for transferring funds, or to send value instead of transferring funds. By using such methods, it is possible to provide a more flexible and convenient means of remittance.

If a user does not have an account for transferring funds, when another user sends money to the user, and when the user sends money to another user, money equivalent to prepaid payment instruments It is not possible to exchange the value (points, etc.) for money and send it. As a secondary issue, there were also inconveniences such as the inability of users to open accounts for transferring funds during remittance processing. Furthermore, even if a user has an account for transferring funds, the user cannot choose to receive money sent from another user as money or value equivalent to money. It was an inconvenience.

An information processing method according to an embodiment of the present disclosure includes the steps of: receiving, in an information processing device, a transmission request including monetary value information indicating an amount to be transmitted from a first terminal of a first user; receiving a receipt request from a second terminal of a second user who does not have an account, the receipt request including a receipt instruction indicating a selection to receive part or all of the amount via a prepaid payment instrument or funds transfer instrument; In response to the request, the second user may receive some or all of the amount by means of a prepaid payment means or a funds transfer means.

An information processing method according to an embodiment of the present disclosure includes sending a transmission request to an information processing device from a second terminal of a second user who does not have an account of a funds transfer means, including monetary value information indicating a value to be transmitted. and transmitting information to a first terminal of the first user for selecting part or all of the value to be made between a prepaid payment instrument and a funds transfer instrument; , receiving a receipt request including a receipt instruction indicating that some or all of the value is to be received by prepaid payment instrument or funds transfer instrument.

According to an embodiment of the present disclosure, a terminal used by a second user who does not have an account with the funds transfer device includes a processor, an input/output interface, and an output device, and the terminal has an account with the funds transfer device in the processor. Receiving part or all of the amount from one of the prepaid payment means and the funds transfer means based on a transmission request including information indicating the amount sent from a terminal used by a first user having a Information for selecting the item can be received via the input/output interface, and the information can be presented on the output device.

An information processing method according to an embodiment of the present disclosure causes an information processing apparatus to bill a second user from a first terminal of a first user using at least one of a prepaid payment means and a funds transfer means. receiving a billing request including specified information; and determining, in response to receiving the billing request transmitted from the first terminal, that the second user is not associated with the account of the funds transfer means. can be executed.

1 shows a configuration of a communication system according to an embodiment of the present disclosure. The hardware configuration of an information processing device included in the communication system is shown. Shows the server and terminal configuration. The processing of the communication system 1 according to the first embodiment is shown. The processing of the communication system 1 according to the second example is shown. The processing of the communication system 1 according to the third example is shown.

<Legal compliance>
The disclosure described herein, if implemented, will be implemented in compliance with the laws and regulations of each country implementing the disclosure. In addition, the disclosure described herein may be implemented with all changes, substitutions, variations, modifications, and modifications that can be made by a person skilled in the art and are necessary to comply with the laws and regulations of each country.

Embodiments for implementing the information processing method and terminal according to the present disclosure will be described with reference to the drawings. In the following description, regarding reference numbers and reference characters used in the figures, the same reference numbers and reference characters used in multiple figures represent the same element unless otherwise specified.

<System configuration>
FIG. 1 shows the configuration of a communication system 1 according to an embodiment of the present disclosure. As disclosed in FIG. 1, in the communication system 1, a server 110A, a server 110B, and a terminal 120A, a terminal 120B, and a terminal 120C are connected via a network 130.

In the present disclosure, if there is no need to distinguish between the server 110A and the server 110B, the server 110A and the server 110B may each be expressed as the server 110.

In the present disclosure, if there is no need to distinguish between the terminal 120A, the terminal 120B, and the terminal 120C, the terminal 120A, the terminal 120B, and the terminal 120C may each be expressed as the terminal 120.

In the present disclosure, if there is no need to distinguish between the server 110 and the terminal 120, each of the server 110 and the terminal 120 may be expressed as an information processing device 200. Note that the number of information processing devices 200 connected to the network 130 is not limited.

The server 110 provides predetermined services to the terminal 120 used by the user via the network 130. The predetermined services include, by way of example and not limitation, payment services, financial services, electronic commerce services, SNS (Social Networking Services) typified by instant messaging services, and content provision services such as songs, videos, and books. The server 110 may provide one or more predetermined services singly, or may provide one or more predetermined services in plurality. When a user uses a predetermined service via the terminal 120, the server 110 can provide the predetermined service to one or more terminals 120.

If necessary, the terminal used by user X will be expressed as terminal 120X, and the user information in a predetermined service associated with user X or terminal 120X will be expressed as user information X. Note that the user information is user information associated with an account used by the user in a predetermined service. User information may include, by way of example and not limitation, a user identifier, user name, user icon image, user age, user gender, user address, entered by the user or provided by a given service. , information associated with the user such as the user's hobbies and interests, user identifier, electronic value (electronic money) balance information associated with the user, credit card information associated with the user (credit card number, etc.) It may be any one or a combination of these.

The network 130 plays a role of connecting two or more information processing devices 200. The network 130 refers to a communication network that provides a connection path so that the terminal 120 can transmit and receive data after connecting to the server 110.

One or more portions of network 130 may be a wired network, a wireless network, or a combination of wired and wireless networks. Network 130 may include, by way of example and not limitation, an Ad Hoc Network, an intranet, an extranet, a Virtual Private Network (VPN), a Local Area Network (LAN), a wireless LAN (Wireless LAN: WLAN), Wide Area Network (WAN), Wireless WAN (WWAN), Metropolitan Area Network (MAN), part of the Internet, Public Switched Telephone Network (Public Switched Telephone Network (PSTN), mobile phone networks, ISDNs (Integrated Service Digital Networks), wireless LANs, LTE (Long Term Evolution), CDMA (Code Division Multiple Access), Bluetooth (registered trademark), satellite communication, etc., or a combination of two or more of these. Network 130 may include one or more networks 130.

The information processing device 200 may be any information processing device as long as it can implement the functions and methods described in this disclosure.

Information processing device 200 may include, by way of example and not limitation, a smartphone, a mobile phone (feature phone), a computer (such as a desktop, laptop, tablet, etc., by way of example and not limitation), a server device, a media computer platform (by way of example and not limitation). , cable, satellite set-top boxes, digital video recorders, etc.), handheld computing devices (including, without limitation, personal digital assistants (PDAs), e-mail clients, etc.), wearable terminals (including, by way of example and not limitation, eyeglass-type devices, (such as watch-type devices), other types of computers, or communication platforms.

<Hardware configuration>
The hardware configuration of the information processing device 200 included in the communication system 1 is illustrated using FIG. 2 .

The information processing device 200 includes a processor 201, a memory 202, a storage 203, an input/output interface (input/output I/F) 204, and a communication interface (communication I/F) 205. The hardware components of the information processing device 200 are interconnected via a bus B, by way of example and not limitation.

The information processing device 200 realizes the functions and/or methods described in the present disclosure through cooperation with the processor 201, memory 202, storage 203, input/output I/F 204, and communication I/F 205. do.

Processor 201 executes functions and methods implemented by codes or instructions included in programs stored in storage 203. The processor 201 may include, by way of example and not limitation, a central processing unit (CPU), an MPU (Micro Processing Unit), a GPU (Graphics Processing Unit), a microprocessor, a processor core, a multiprocessor, Logic circuits (hardware) formed in integrated circuits (IC (Integrated Circuit) chips, LSI (Large Scale Integration)), etc., including ASIC (Application-Specific Integrated Circuit), FPGA (Field Programmable Gate Array), etc. Each process disclosed in each embodiment may be realized by a circuit. Further, these circuits may be realized by one or more integrated circuits, and a plurality of processes shown in each embodiment may be realized by one integrated circuit. Furthermore, LSIs are sometimes called VLSIs, super LSIs, ultra LSIs, etc. depending on the degree of integration.

The memory 202 temporarily stores programs loaded from the storage 203 and provides a work area for the processor 201. The memory 202 also temporarily stores various data generated while the processor 201 is executing a program. Memory 202 includes, by way of example and not limitation, RAM (Random Access Memory), ROM (Read Only Memory), and the like.

Storage 203 stores programs. The storage 203 includes, by way of example and not limitation, an HDD (Hard Disk Drive), an SSD (Solid State Drive), a flash memory, and the like.

The communication I/F 205 transmits and receives various data via the network 130. The communication may be performed by wire or wirelessly, and any communication protocol may be used as long as mutual communication can be performed. The communication I/F 205 has a function of communicating with other information processing devices via the network 130. Communication I/F 205 transmits various data to other information processing devices according to instructions from processor 201. Furthermore, the communication I/F 205 receives various data transmitted from other information processing devices and transmits it to the processor 201.

The input/output I/F 204 includes an input device for inputting various operations to the information processing device 200 and an output device for outputting processing results processed by the information processing device 200. The input/output I/F 204 may be an integrated input device and an output device, or may be separated into an input device and an output device.

The input device is implemented by any or a combination of all types of devices capable of receiving input from a user and transmitting information related to the input to processor 201. Input devices include, by way of example and not limitation, touch panels, touch displays, hardware keys such as keyboards, pointing devices such as mice, cameras (operation input via images), and microphones (operation input via voice).

The output device is realized by any one of all types of devices capable of outputting the processing results processed by the processor 201, or a combination thereof. When outputting the processing result as a video or moving image, the output device is realized by any one or a combination of all types of devices that can display the display data in accordance with the display data written to the frame buffer. Ru. Examples of output devices include, but are not limited to, touch panels, touch displays, monitors (including, but not limited to, liquid crystal displays, OELDs (Organic Electroluminescence Displays), etc.), head mounted displays (HDMs), projection mapping, and holograms. , devices that can display images, text information, etc. in air (or in a vacuum), speakers (audio output), printers, etc. Note that these output devices may be capable of displaying display data in 3D.

The program of each embodiment of the present disclosure may be provided in a state stored in a computer-readable storage medium. The storage medium is a "non-temporary tangible medium" that can store a program. Programs include, by way of example and not limitation, software programs and computer programs.

Where appropriate, the storage medium may include one or more semiconductor-based or other integrated circuits (ICs), such as, by way of example and not limitation, field programmable gate arrays (FPGAs), application specific integrated circuits (ASICs), etc. ), hard disk drive (HDD), hybrid hard drive (HHD), optical disk, optical disk drive (ODD), magneto-optical disk, magneto-optical drive, floppy diskette, floppy disk drive (FDD), magnetic It may include tape, solid state drives (SSD), RAM drives, secure digital cards or drives, any other suitable storage medium, or any suitable combination of two or more thereof. Storage media may be volatile, non-volatile, or a combination of volatile and non-volatile, where appropriate.

Further, the program of the present disclosure may be provided to the information processing device 200 via any transmission medium (communication network, broadcast wave, etc.) that can transmit the program.

Each embodiment of the present disclosure may also be implemented in the form of a data signal embedded in a carrier wave, where the program is embodied by electronic transmission.

Note that the program of the present disclosure is implemented using a scripting language such as JavaScript (registered trademark), Python, C language, Go language, Swift, Kotlin, Java (registered trademark), etc., by way of example and not limitation.

At least part of the processing in the information processing device 200 may be realized by cloud computing configured by one or more computers.

At least part of the processing in the information processing device 200 may be performed by another information processing device. In this case, a configuration may be adopted in which at least part of the processing of each functional unit implemented by the processor 201 is performed by another information processing device.

<Method of transferring funds>
Personal remittance is known as a service for remitting money from user A's terminal 120A to user B's terminal 120B without going through a bank. Person-to-person money transfers are realized by systems that provide person-to-person money transfers. User A and User B cannot send or receive money unless they both have an account with a funds transfer means that is a means of transferring money between individuals. A user can open a fund transfer account after verifying his/her identity based on the Act on Prevention of Transfer of Criminal Proceeds (hereinafter simply referred to as "identity verification"). KYC (Know Your Customer) is known as a method of identity verification, and eKYC (electronic Know Your Customer) is particularly known as a method of electronic identity verification.

Once the user's identity has been validly verified, the user can open a funds transfer account. Users can associate money with their funds transfer account. The association of money is realized by transferring funds from the user's bank account to the account of the fund transfer means, or by transferring funds from the account of another user's fund transfer means. By associating money with the account of the funds transfer means, the user can use some or all of the money to make a payment or send money to another user.

<Prepaid payment method>
Point transmission is known as a service for transmitting value equivalent to money (for example, points) from user A to user B. Point transmission is realized by a system that provides point transmission. Personal remittance and point transmission can also be realized by using the same system. By paying money, the user can obtain points corresponding to the money and save them in a points account. A user can use points in place of money when purchasing products or receiving services from a system provider or an organization or individual associated with the system provider.

Since points can be obtained in advance and used by the user through purchase using money, etc., payment using points is referred to as a prepaid payment method. A user may associate monetary value with his or her prepaid payment instrument account and provide some or all of that value to other users. Points may be provided to the user free of charge from a system provider or the like, or may be provided partially or completely for a fee.

In order to make the explanation easy to understand, points are used as an example of the prepaid payment means, but the prepaid payment means may be realized by other mechanisms other than points. More specifically, it refers to miles used in mileage services provided by airlines, coins that can be used in games, items such as jewelry, and other items that can be converted into cash for certain services. You can.

<Others>
Unless explicitly stated, the configuration of the determination in the embodiments of the present disclosure is not essential, and a predetermined process may be performed when the determination condition is met, or a predetermined process is performed when the determination condition is not met. You may.

In this disclosure, unless explicitly stated or indicated by context, "at least one of A and B" means "A, B, or both." Additionally, unless explicitly stated or indicated by context, "a," "an," or "the" shall mean "one or more." Thus, as used herein, "an A" or "the A" means "one or more A's," unless otherwise specified or indicated by context.

This disclosure encompasses all changes, substitutions, variations, modifications, or modifications that can be made by those skilled in the art to the embodiments and examples of this disclosure. Additionally, the appended claims encompass all changes, substitutions, variations, modifications, or modifications that can be made by those skilled in the art to the embodiments and examples of the present disclosure. Furthermore, this disclosure encompasses any combination of one or more features of an embodiment or example of this disclosure with one or more features of other embodiments or examples of this disclosure that a person skilled in the art can make. do.
In addition, a device or system or a component of a device or system that is adapted, arranged, capable, configured, available for use, operable, or operable to perform a particular function. References in the appended claims to refer to any reference to the device, system or component so adapted, arranged, capable, configured, enabled, operative. It includes any device, system, component, insofar as the device, system, component, or a particular feature thereof is activated, turned on, or unlocked, insofar as the device, system, component, or a particular feature thereof is activated, turned on, or unlocked.

Unless explicitly stated otherwise, consent from the user may be obtained in advance or immediately before implementing any embodiment or example. Further, the consent to be obtained may be comprehensive or may be obtained on a case-by-case basis.

<First embodiment>
The first embodiment realizes remittance and point transmission between the fund transfer instrument account of user A and the prepaid payment instrument or fund transfer instrument account of user B, who does not have a fund transfer instrument account. This is an embodiment for.

According to the first embodiment, a user who has an account with a fund transfer device can send monetary value (money, points, etc.) associated with the account to a user who does not have an account with a fund transfer device. This has the effect of being able to.

<Functional configuration of the first embodiment>
The configuration of the server 110 and the terminal 120 is shown using FIG. The functional unit disclosed in FIG. 3 is realized by cooperation of a processor 201, a memory 202, a storage 203, an input/output I/F 204, and a communication I/F 205 included in the information processing apparatus 200.

(1) Functional configuration of server The server 110 (110A) includes an input/output section 311, a transmitting/receiving section 312, a control section 313, a storage section 314, a generation section 315, a display processing section 316, and a funds transfer means control. 317 and a prepaid payment means control section 318. Note that the functions or processing of each functional unit may be realized by machine learning, AI (Artificial Intelligence), or the like to the extent possible. The server 110B can also have the same configuration as the server 110A.

The input/output unit 311 functions as an input unit or an output unit, and receives various setting operations and the like from businesses that operate various services provided by the server 110.

The transmitting/receiving unit 312 transmits and receives data to and from the terminal 120 according to instructions from the control unit 313 . Note that, for example, when the user of the terminal 120 or the like is authenticated using the user ID and password included in the login request from the terminal 120 or the like, the transmitter/receiver 312 establishes a communication session with the terminal 120 or the like using HTTPS or the like. Connect. Then, the communication address of the terminal 120, etc., the user ID, etc. are stored in association with the ID of the connected communication session. Then, data is transmitted to the terminal 120 or the like using the connected communication session.

The control section 313 includes a generation section 315 , a display processing section 316 , a funds transfer means control section 317 , and a prepaid payment means control section 318 . The generating unit 315 generates data output by the input/output unit 311, data transmitted by the transmitting/receiving unit 312, and the like. The display processing unit 316 converts images, video, audio, etc. output by the input/output unit 311 into an appropriate format. The funds transfer means control unit 317 and the prepaid payment means control unit 318 respectively control the funds transfer means and the prepaid payment means for realizing services such as remittance and point transmission.

The storage unit 314 stores programs necessary for operating the server 110 and information necessary for operating the communication system 1. The storage unit 314 also stores the types of accounts available to each user (accounts for fund transfer means or accounts for prepaid payment means), the amount of money saved in each account, or the amount of money, in association with each user's identifier. It also remembers the corresponding value.

(2) Functional configuration of the terminal The terminal 120 (120A) includes an input/output section 321, a transmitter/receiver section 322, a control section 323, a storage section 324, a generation section 325, a display processing section 326, and a funds transfer means control section. 327 and a prepaid payment means control section 328. Note that the functions or processing of each functional unit may be realized by machine learning, AI (Artificial Intelligence), or the like to the extent possible. The terminal 120B and the terminal 120C can also have the same configuration as the terminal 120A.

The input/output unit 321 functions as an input unit or an output unit, and receives various operations from the user of the terminal 120.

The transmitting/receiving unit 322 transmits and receives data to and from the server 110 and the like according to instructions from the control unit 323 . Note that, for example, when the transmitter/receiver 322 logs into the server 110, the transmitter/receiver 322 connects a communication session with the server 110 using HTTPS or the like. Then, the communication address of the server 110 is stored in association with the ID of the connected communication session. Then, data is transmitted to the server 110 using the connected communication session.

The control section 323 includes a generation section 325 , a display processing section 326 , a funds transfer means control section 327 , and a prepaid payment means control section 328 . The generating unit 325 generates data output by the input/output unit 321, data transmitted by the transmitting/receiving unit 322, and the like. The display processing unit 326 converts images, video, audio, etc. output by the input/output unit 321 into an appropriate format. The funds transfer means control unit 327 and the prepaid payment means control unit 328 respectively control the funds transfer means and the prepaid payment means for realizing services such as remittance and point transmission.

The storage unit 324 stores programs necessary for operating the terminal 120 and information necessary for operating the communication system 1.

<<First Example>>
In the first embodiment, when user A remits some or all of the money from a funds transfer means account to user B who does not have a funds transfer means account, user B's prepaid payment means This is an example in which a value corresponding to part or all of the money is sent to the account. In addition, in the first embodiment, when user A remits some or all of the money from the account of the fund transfer means to user B who does not have an account of the fund transfer means, When an account for a fund transfer instrument is opened, part or all of the money is remitted to the account for the fund transfer instrument. In this example, user A is previously associated with an account of a funds transfer instrument, and user B is associated with an account of a prepaid payment instrument in advance, but user B is not associated with an account of a funds transfer instrument. .

<<Effects of the first embodiment>>
According to the first embodiment, even if user B has not opened an account for the funds transfer means, when user A who has opened an account for the funds transfer means makes a remittance, user B's account for the funds transfer means By using the process for opening a , remittance from user A to user B can be realized. Further, even if User A remits money from the account of the funds transfer means, User B can also receive the value equivalent to the remitted amount in the account of the prepaid payment means.

<<Operation processing of the first embodiment>>
Referring to FIG. 4, processing of the communication system 1 according to the first embodiment will be described. FIG. 4 shows an example of a processing sequence of the communication system 1 according to the first embodiment.

(Step S405) At the terminal 120A, when the user A decides to transfer money from his own funds transfer means account to the user B who has not opened a funds transfer means account, the terminal 120A sends a transmission request to the server 110. Send. The transmission request includes at least the user identifier of the user A, the user identifier of the destination (user B in this embodiment), and monetary value information including information on the amount to be remitted.

Terminal 120A may send a transmission request to user B that includes the value of the prepaid payment instrument account. In this case, the monetary value information may include information on the value of the transmission target. For example, User A can make part of the remittance using a funds transfer device and send the value corresponding to the remaining amount using a prepaid payment device. The terminal 120A may transmit each of the remittance using the funds transfer means and the transmission of value using the prepaid payment means in two transmission requests, or may transmit them together in one transmission request.

Terminal 120A may compare the amount to be transmitted with the amount associated with the funds transfer vehicle account. If the amount to be sent is larger than the amount in the account, the terminal 120A may notify the user A via the input/output unit 321 that the amount cannot be sent due to insufficient amount in the user A's account. . If the amount to be remitted is larger than the amount in the account, the terminal 120A can also request the server 110 to receive funds from a bank account or credit account to the account of user A's funds transfer means (so-called automatic transfer). charge, etc.).

(Step S410) When the server 110 receives the transmission request from the terminal 120A (or after receiving the transmission request), the server 110 identifies the account of user A's funds transfer means, and selects the amount to be remitted from the amount associated with the account. Freeze the amount. Here, freezing may be realized, for example, by temporarily deducting the amount to be remitted from the account of user A's funds transfer means. As a result, in step S420, before user B selects a receiving method, the server 110 can secure the amount to be remitted from the account of user A's fund transfer means, and when remitting money to user B, the server 110 can It is possible to avoid situations where the amount of money is insufficient.

Before freezing, the server 110 compares the amount to be sent with the amount associated with user A's account, and if the amount to be transferred is greater than the amount in the account, the server 110 compares the amount to be sent with the amount associated with user A's account. Information indicating that remittance cannot be performed due to insufficient amount of money can be transmitted to the terminal 120A. If the amount to be remitted is larger than the amount in the account, the server 110 can also receive funds from a bank account or credit account to the account of user A's funds transfer means (so-called auto-charge, etc.).

(Step S415) The server 110 transmits to the terminal 120B a selection request for the destination (user B) to select whether to receive the remittance using a funds transfer means or a prepaid payment means. The selection request can be a request to receive the entire remittance amount using either the funds transfer means or the prepaid payment means. Further, the selection request may be a request to receive a portion of the remittance amount using the funds transfer means and to receive the remaining portion of the remittance amount using the prepaid payment means. Further, the selection request can be a request to receive part or all of the remittance amount using either the funds transfer means or the prepaid payment means.

(Step S420) The terminal 120B displays a screen for the user B to select whether to receive the funds using a funds transfer means or a prepaid payment means. Note that instead of or in combination with screen display, sound or other means may be used to notify the user. This allows User B, via terminal 120B, to choose to receive remittances from User A through one of the funds transfer means and the prepaid payment means. Further, the terminal 120B may display a screen for allowing the user to select to receive a portion of the remittance amount using the funds transfer means and to receive the remaining portion of the remittance amount using the prepaid payment means. Furthermore, the terminal 120B may display a screen for allowing the user to select whether to receive part or all of the remittance amount through a funds transfer means or a prepaid payment means. Note that User B may be able to receive a portion of the remittance amount using the funds transfer means and receive the remaining portion of the remittance amount using the prepaid payment means.

The server 110 receives the receipt request including information indicating that the receipt by the user B is to be made by at least one of a funds transfer means and a prepaid payment means (see steps S425 and S440 described below). means can be determined.

Before selecting a means for receiving funds, the terminal 120B determines whether or not User B has opened an account for the funds transfer means, and if not, decides to open an account for the funds transfer means. A prompting screen may be displayed. If it is selected to open a fund transfer means account, the identity verification process and fund transfer means account opening in steps S450 to S455, which will be described later, are executed.

In this example, it is assumed that user B does not have an account with the funds transfer means in advance, but even if user B has an account with the funds transfer means in advance, this example Can be used. For example, the terminal 120B communicates with the server 110, and the terminal 120B and/or the server 110 identify whether or not the user B has an account with the funds transfer means (opened or not). If it is determined that user B has an account with a funds transfer instrument, the terminal 120B allows the receipt of the amount to be transferred to one of the prepaid payment instrument and the funds transfer instrument according to user B's instructions. It is possible to set the priority in advance and notify the server 120 of the priority. In this case, in step S420, the terminal 120B receives a receipt request (step S425 or (transmitted in S440) to the server 110, or the terminal 120B may present a screen to the user B prompting the user B to select a method with a high priority. Thereby, user B can more easily and quickly determine the receiving means.

(Step S425) If the prepaid payment method is selected in step S420, the terminal 120B transmits to the server 110 a receipt request that includes at least information indicating that the prepaid payment method has been selected.

(Step S430) When the server 110 receives the information indicating that the prepaid payment method has been selected, the server 110 transfers the amount to the remittance frozen in the user A's fund transfer method account in step S410. The purchase process is executed using the value (points) of the corresponding prepaid payment means as the value of user A. That is, server 110 associates a predetermined value with User A's prepaid payment instrument account. After the server 110 performs the purchase process, it may associate the value with User A's funds transfer instrument account without associating the value with User A's prepaid payment instrument account.

(Step S435) The server 110 allocates (relates) the value purchased by user A to user B's prepaid payment instrument account.
(Step S436) The server 110 transmits to the terminal 120B the fact that a value corresponding to the amount to be remitted has been assigned and/or the value of the assigned value. As a result, user B is notified that the value (points) corresponding to the amount to be remitted has been allocated. The server 110 may transmit to user A's terminal 120A that the remittance has been completed. Thereby, user A can confirm that the remittance has been completed.

In steps S430 and 435 above, the server 110 checks the value in the prepaid payment instrument account that user A has in advance before purchasing the value in S430, and transmits the value in the prepaid payment instrument. The value of the object may be assigned to User B's prepaid payment instrument account. As a result, the value that user A already has is preferentially used, which is highly convenient for user A.

Furthermore, if the value equivalent to the amount to be remitted is greater than the value already in the account of the prepaid payment means, the server 110 transfers the value already in the account of the prepaid payment means to user B as part of the value to be sent. prepaid payment instrument account. Then, the server 110 purchases the missing value through the purchasing process in step S430. Specifically, the server 110 can execute the purchase process in step S430 using a portion of the amount to be transferred that was frozen from the user A's fund transfer means account in step S410. In this case, after purchasing the value for User A, the server 110 stores a portion of the amount to be remitted frozen from the account of the fund transfer means of User A in step S410 (corresponding to the value missing from the amount to be remitted). (the amount minus the amount) can be returned to User A's fund transfer means account.

If value pre-exists in User A's prepaid payment instrument account, server 110 and/or terminal 120A, in transmitting the value to User B, may include a portion of the value in User A's prepaid payment instrument account. Part or all may be used preferentially over the purchase of value for User A at the server 110 and/or terminal 120A (purchase of value using the amount in the account of the fund transfer means, auto charge, etc.). good.

(Step S440) In step S420, if the funds transfer means is selected, the terminal 120B transmits to the server 110 a receipt request that includes at least information indicating that the funds transfer means has been selected.

(Step S445) Upon receiving the information indicating that the funds transfer method has been selected, the server 110 transmits a request for user B's identity verification to the terminal 120B. The server 110 may transmit an identity verification request to the terminal 120B after determining whether the user B has opened an account with a funds transfer means.

(Step S450) When the terminal 120B receives the request for identity verification, the server 110 and the terminal 120B cooperate to realize the identity verification process. The identity verification process can be realized using existing technology such as eKYC. Note that the "identity verification" in steps S445 and S450 is merely an example, and may be replaced by other means as long as an account for the funds transfer means can be opened.

A means that can be replaced with "identity verification" and "identity verification" is a verification process performed in preparation for opening an account with a funds transfer means, and therefore may be referred to as account opening preparation confirmation.

(Step S455) In step S450, when user B's identity verification is effectively completed, the server 110 opens an account for user B's funds transfer means.

(Step S460) The server 110 allocates (relates) the amount to be remitted frozen from the account of user A's fund transfer means in step S410 to the account of user B's fund transfer means. As a result, upon receiving the remittance from User A, User B can open an account with the funds transfer means through a series of remittance processing. User convenience is improved because an account for the funds transfer means can be opened when required to receive a remittance.
(Step S465) The server 110 transmits the fact that the amount to be remitted has been allocated and/or the allocated amount to the terminal 120B. As a result, user B is notified that the amount to be remitted has been allocated. The server 110 may transmit to user A's terminal 120A that the remittance has been completed. Thereby, user A can confirm that the remittance has been completed.

<<Second Example>>
In the second embodiment, part or all of the value of the prepaid payment instrument account of user B, who does not have a funds transfer instrument account, is transferred to the prepaid payment instrument of user A, who has a funds transfer instrument account. This is an embodiment for realizing remittance and point transmission to an account of a means or an account of a funds transfer means. In this example, user A is previously associated with an account of a funds transfer instrument, and user B is associated with an account of a prepaid payment instrument in advance, but user B is not associated with an account of a funds transfer instrument. .

<<Effects of the second embodiment>>
According to the second embodiment, even if user B has not opened an account with the funds transfer means, when points are sent to user A who has opened an account with the funds transfer means, user B's funds transfer means By using the process for opening an account, the point transmission from user B to user A can be changed to remittance.

<<Operation processing of the second embodiment>>
Referring to FIG. 5, processing of the communication system 1 according to the second embodiment will be illustrated. FIG. 5 shows an example of a processing sequence of the communication system 1 according to the second embodiment.

(Step S505) At the terminal 120B, user B, who has not opened a fund transfer instrument account, sends points (value) from his prepaid payment instrument account to user A, who has opened a fund transfer instrument account. Upon determining this, terminal 120B transmits a transmission request to server 110. The transmission request includes at least the user identifier of user B, the user identifier of the transmission destination (user A in this embodiment), and monetary value information including information on the value corresponding to the amount to be transmitted.

(Step S510) When the server 110 receives the transmission request from the terminal 120B (or after receiving the transmission request), the server 110 identifies the account of the prepaid payment instrument of the user B, and calculates the amount from the value associated with the account. Freeze the value to be transmitted included in the value information. Here, freezing may be realized, for example, by temporarily deducting the value to be transmitted from the account of user B's prepaid payment instrument. As a result, in step S520, before user A selects a receiving method, the server 110 can secure the value of the transmission target from user B's prepaid payment instrument account, and when transmitting to user A, the server 110 can It is possible to avoid a situation where the value of the account is insufficient.

(Step S515) The server 110 transmits a selection request to the terminal 120A for the destination (user A) to select whether to receive the funds by a fund transfer means or a prepaid payment means. The selection request may be a request to receive all of the transmitted value through either the funds transfer means or the prepaid payment means. Further, the selection request may be a request to receive an amount equivalent to a portion of the transmitted value using a funds transfer means, and to receive the remaining portion of the transmitted value using a prepaid payment means. . Furthermore, the selection request may be a request to receive part or all of the transmitted value or amount corresponding to the value in either the funds transfer instrument or the prepaid payment instrument.

(Step S520) The terminal 120A displays a screen for allowing the user to select whether to receive funds through a funds transfer means or a prepaid payment means. Note that instead of or in combination with screen display, sound or other means may be used to notify the user. This allows User A, via terminal 120A, to elect to receive the value transmitted from User B in one of a funds transfer vehicle and a prepaid payment vehicle. The terminal 120A also displays a screen for allowing the user to select to receive an amount corresponding to a portion of the transmitted value using a funds transfer means and to receive the remaining portion of the transmitted value using a prepaid payment means. may be displayed. Further, the terminal 120A may display a screen for allowing the user to select whether to receive part or all of the transmitted value or the amount equivalent to the value using a funds transfer means or a prepaid payment means. Note that User A may be able to receive a portion of the remittance amount using the funds transfer means and receive the remaining portion of the remittance amount using the prepaid payment means.

Before selecting a means for receiving funds, the terminal 120B determines whether or not User B has opened an account for the funds transfer means, and if not, decides to open an account for the funds transfer means. A prompting screen may be displayed. If it is selected to open a fund transfer means account, the identity verification process and fund transfer means account opening are executed in steps S545 and S555, which will be described later.

(Step S525) If the prepaid payment method is selected in step S520, the terminal 120A transmits information indicating that the prepaid payment method has been selected to the server 110.

(Step S530) When the server 110 receives the information indicating that the prepaid payment method has been selected, the server 110 calculates the value of the transmission target from the value of the account of user B's prepaid payment method. Assign (associate) to a formal payment instrument account.

In response to the fact that the pre-existing value in User B's prepaid payment instrument account is smaller than the value of the transmission target, the server 110 sends User B the residual value obtained by subtracting the value of the prepaid payment instrument account from the transmission target value. The purchase process may be performed as the value of . Server 110 assigns the value of User B's purchase to User A's prepaid payment instrument account.

(Step S531) The server 110 transmits the fact that the value to be transmitted has been assigned and/or the value of the assigned value to the terminal 120A. This notifies user A that the value (points) to be transmitted has been allocated. The server 110 may transmit to user B's terminal 120B that the transmission has been completed. Thereby, user B can confirm that the transmission has been completed.

(Step S535) If the funds transfer means is selected in step S520, the terminal 120A transmits information indicating that the funds transfer means has been selected to the server 110.

(Step S540) Upon receiving the information indicating that the funds transfer method has been selected, the server 110 transmits a request for user B's identity verification to the terminal 120B.

(Step S545) When the terminal 120B receives the request for identity verification, the server 110 and the terminal 120B cooperate to realize the identity verification process. The identity verification process can be similar to step S450 in FIG. 4.

(Step S550) The server 110 and/or the terminal 120B may control the user B to not be able to purchase value (points, etc.) until the remittance is completed. When remitting money with money, there is no need to send value (because value cannot be used for sending), so it is possible to prevent user B from purchasing value by mistake.

(Step S555) When the user B's identity verification is successfully completed in step S545, the server 110 opens an account for user B's funds transfer means.

(Step S560) The server 110 re-assigns the value to be transmitted frozen in the account of user B's prepaid payment instrument in step S510 to user B's prepaid payment instrument (thaws the value to be transmitted) . Note that this process may be performed after S565.

(Step S565) The server 110 subtracts an amount corresponding to the value to be transmitted from the user B's fund transfer means account, and allocates (associates) the deducted amount to the user A's fund transfer means account.

(Step S570) The server 110 transmits the fact that the amount to be remitted has been allocated and/or the allocated amount to the terminal 120A. As a result, user A is notified that the amount to be remitted has been allocated. The server 110 may transmit to user B's terminal 120B that the remittance has been completed. This allows User B to confirm that the remittance has been completed.

<<Third Example>>
The third embodiment is an embodiment in which, before remittance or point transmission, the receiving party instructs the transmitting party to perform the remittance or point transmission using a prepaid payment means and/or funds transfer means. In this example, user A is previously associated with an account of a funds transfer instrument, and user B is associated with an account of a prepaid payment instrument in advance, but user B is not associated with an account of a funds transfer instrument. .

<<Effects of the third embodiment>>
According to the third embodiment, user A on the receiving side can instruct user B to remit money or send points when making a request to user B, and the sending side can You can send money or receive points from.

<<Operation processing of the third embodiment>>
Referring to FIG. 6, processing of the communication system 1 according to the third embodiment will be described. FIG. 6 shows an example of a processing sequence of the communication system 1 according to the third embodiment.

(Step S605) At the terminal 120A, a billing request is sent to request user B to send points (value) using a prepaid payment means and/or remit money using a funds transfer means. The billing request includes the user identifier of user A, the user identifier of the destination (in this example, user B), information specifying a prepaid payment method and/or funds transfer method as the transmission method, and the information of the transmission target. and/or amount value information including information on the amount to be remitted. In this embodiment, the terminal 120A requests transmission of the entire remittance amount by the funds transfer means, requests transmission of a value equivalent to the entire remittance amount by the prepaid payment means, and the remittance amount. at least one of: requesting the transmission of a portion of the amount by a funds transfer instrument, and requesting the transmission of a value equivalent to the amount of the transfer minus the portion of the amount by a prepaid payment instrument; The user can choose one.

The terminal 120A may communicate with the server 110, and the terminal 120A and/or the server 110 may identify whether the user A has an account with the funds transfer means (opened or not). For example, if it is determined that user A has an account with a funds transfer instrument, the terminal 120A prioritizes either the prepaid payment instrument or the funds transfer instrument in the billing request according to user A's instructions. The priority used can be set in advance and notified to the server 120. In this case, in step S605, the terminal 120A may transmit a billing request to the server 110, selecting a method with a high priority among the prepaid payment method and the fund transfer method, without receiving an instruction from the user A. Alternatively, the terminal 120A may present a screen to the user A that prompts the user A to select a method with a high priority.

(Step S610) In the billing request transmitted from the terminal 120A, the server 110 determines whether the billing is for a prepaid payment means, a funds transfer means, or a prepaid payment means and/or a funds transfer means.

(Step S615) If it is determined in step S610 that there is a request by the funds transfer means, the server 110 determines whether the user B is associated with the account of the funds transfer means (whether or not the user B has opened an account). Check.

(Step S620) If it is determined in step S615 that user B is not associated with the fund transfer means account, the server 110 transmits a request for user B's identity verification to the terminal 120B.

(Step S625) When the terminal 120B receives the request for identity verification, the server 110 and the terminal 120B cooperate to realize the identity verification process. The identity verification process can be similar to step S450 in FIG. 4. Thereby, the server 110 can have the user B perform the identity verification via the terminal 120B in response to the billing request transmitted from the user A's terminal 120A.

(Step S630) When the user B's identity verification is successfully completed in step S625, the server 110 opens an account for user B's funds transfer means.

(Step S635) After user B opens an account for the funds transfer means (after step S625), or after it is determined that user B has opened an account for the funds transfer means in advance (after step S615) , the server 110 subtracts the amount to be remitted requested by user A from the account of user B's fund transfer means, and associates the amount with user A's account of the fund transfer means. Thereby, remittance from user B to user A is realized.

(Step S640) The server 110 transmits the fact that the amount to be remitted has been allocated and/or the allocated amount to the terminal 120A. As a result, user A is notified that the amount to be remitted has been allocated. The server 110 may transmit to user B's terminal 120B that the remittance has been completed. This allows User B to confirm that the remittance has been completed.

(Step S645) If it is determined in step S610 that there is a request by the prepaid payment method, the server 110 deducts the value to be transmitted requested by user A from the account of user B's prepaid payment method. , associates the value with User A's fund transfer instrument account. Thereby, transmission of value (points) from user B to user A is realized.

(Step S650) The server 110 transmits the fact that the value to be transmitted has been assigned and/or the assigned value to the terminal 120A. As a result, user A is notified that the value to be sent has been assigned. The server 110 may transmit to user B's terminal 120B that the value transmission has been completed. This allows User B to confirm that the value transmission has been completed.

In this embodiment, if user B refuses to send the amount or points to user A using at least one of the prepaid payment means and the funds transfer means, the terminal 120B accepts the can operate to cancel at least one of the following. When the server 110 receives the information regarding the cancellation transmitted by the user B, the server 110 can notify the terminal 120A of the cancellation.

1: Communication system 110: Server 120: Terminal 130: Network

Servers 110 and 120
200: Information processing device 201: Processor 202: Memory 203: Storage 204: Input/output I/F
205: Communication I/F

Terminal 120A
311: Input/output section 312: Transmission/reception section 313: Control section 314: Storage section 315: Generation section 316: Display processing section 317: Funds transfer means control section 318: Prepaid payment means control section

Terminal 120B
321: Input/output section 322: Transmission/reception section 323: Control section 324: Storage section 325: Generation section 326: Display processing section 327: Funds transfer means control section 328: Prepaid payment means control section

Claims (17)

In the information processing device,
receiving a transmission request including monetary value information indicating the amount to be transmitted from the first information processing terminal of the first user;
A receipt instruction indicating a selection of receiving part or all of the amount from a second information processing terminal of a second user who does not have an account with the funds transfer means through a prepaid payment means or the funds transfer means; receiving a receipt request;
An information processing method comprising: determining, in response to the receipt request, that the second user receives part or all of the amount using the prepaid payment means or the funds transfer means. The information processing device further includes:
2. The method according to claim 1, further comprising: transmitting information to the second information processing terminal to cause the second information processing terminal to select receiving a part or all of the amount by the prepaid payer or the funds transfer means. information processing methods. The information processing device further includes:
In response to the second user selecting the fund transfer method, executing the step of transmitting an account opening preparation confirmation request to the second information processing terminal for causing the second user to confirm account opening preparation. The information processing method according to claim 2. The information processing device further includes:
2. The method of claim 1, further comprising: performing a step of associating part or all of the amount with the second user's account of the fund transfer means in response to the second user's valid confirmation of the account opening preparation. 3. The information processing method described in 3. The information processing device further includes:
After the step of receiving the transmission request, a step of freezing part or all of the amount included in the transmission request in the account of the prepaid payment means or the funds transfer means of the first user is performed. The information processing method according to any one of Items 1 to 4. The information processing method according to any one of claims 1 to 5, wherein the first user is associated in advance with an account of the funds transfer means. 7. The information processing method according to claim 1, wherein the second user is associated in advance with the account of the prepaid payment means and is not associated with the account of the funds transfer means. The information processing device further includes:
In response to the decision to receive part or all of the amount by the second user using the prepaid payment means, the value corresponding to part or all of the amount is transferred to the first user from the first user. 8. The information processing method according to claim 1, further comprising associating the value with the prepaid payment means account of the second user after associating the value with the prepaid payment means account. In the information processing device,
identifying a funds transfer instrument account associated with the second user;
receiving a transmission request including monetary value information indicating the amount to be transmitted from the first information processing terminal of the first user;
receiving, from a second information processing terminal of the second user, a receipt request including a receipt instruction indicating a selection of receiving part or all of the amount through the prepaid payment means or the funds transfer means;
An information processing method comprising: determining, in response to the receipt request, that the second user receives part or all of the amount using the prepaid payment means or the funds transfer means. The information processing device further includes:
The step of setting a priority to the prepaid payment means and the funds transfer means in the means indicated by the receipt request in response to the identification of the account of the funds transfer means associated with the second user. The information processing method according to claim 9, wherein the information processing method is executed.
In the information processing device,
receiving a transmission request including monetary value information indicating the value to be transmitted from a second information processing terminal of a second user who does not have an account with the funds transfer means;
transmitting information to a first information processing terminal of the first user for allowing the user to select to pay part or all of the value using the prepaid payment means or the funds transfer means;
receiving, from the first information processing terminal, a receipt request including a receipt instruction indicating that part or all of the value is to be received by the prepaid payment means or the funds transfer means; . The information processing device further includes:
12. After the step of receiving the transmission request, a step of freezing part or all of the value included in the transmission request in the account of the prepaid payment means of the second user is performed. information processing methods. The information processing device further includes:
13. The information processing method according to claim 11, wherein, in response to the first user selecting the fund transfer means, the second user executes a step of confirming preparation for opening an account. The information processing device further includes:
In response to the valid confirmation of the account opening preparation of the second user, an amount equivalent to part or all of the value is deducted from the second user's account of the fund transfer means; 14. The information processing method according to claim 13, further comprising associating an amount with an account of the first user in the funds transfer means. An information processing terminal used by a second user who does not have an account for the funds transfer means,
A prepaid payment means receives part or all of the amount based on a transmission request including information indicating the amount sent from an information processing terminal used by a first user who has an account with the funds transfer means. and processing for acquiring information for selecting one of the funds transfer means,
A process for presenting the information;
an information processing program that executes a process of transmitting, in response to a selection operation by the second user, a decision to receive part or all of the amount to one of the prepaid payment means and the funds transfer means; . In the information processing device,
receiving, from the first information processing terminal of the first user, a billing request including information specifying that billing to the second user is to be performed by at least one of a prepaid payment means and a funds transfer means;
an information processing method for determining, in response to receiving the billing request transmitted from the first information processing terminal, that the second user is not associated with the account of the funds transfer means; . The information processing device,
In response to determining that the second user is not associated with the account of the funds transfer means, sending an account opening preparation confirmation request to the second terminal to cause the second user to confirm account opening preparations. 17. The information processing method according to claim 16, further comprising performing the step of transmitting.

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