JP5984727B2 - Information processing apparatus, information processing method, and program - Google Patents

Description

  The present invention relates to an information processing technique for remittance using communication.

  2. Description of the Related Art Conventionally, there is an Internet banking system in which a server provides bank transaction services such as account transfer and transfer to a terminal such as a personal computer via the Internet.

Japanese Patent No. 3029421 JP 2008-102914 A Japanese Patent No. 4570450

  Conventionally, for example, the remittance procedure by account transfer is a system in which the transfer person manually inputs the account number of the transfer destination, the transfer amount, etc. via the screen provided by the Internet banking system or ATM (Automatic Teller Machine), etc. This is done by instructing the transfer.

  However, such a remittance procedure has a problem that a remittance process different from the expected one can be performed if the transfer person has entered an incorrect account number or the like.

  In view of such a problem, an object of the present invention is to provide an information processing technique that suppresses remittance processing different from the expectation regarding remittance by account transfer.

  The present invention employs the following means in order to solve the above-described problems. That is, the present invention is an information processing apparatus connected to a network, including remittance destination account specifying information for specifying a remittance destination account, and storing remittance management information identified by remittance management identification information. A storage unit and an interface for instructing remittance to the remittance destination account related to the remittance management information identified by the remittance management identification information when a connection request specifying the remittance management identification information is received And an interface providing means for providing a remittance instruction interface to the request source of the connection request.

  Here, the interface is not limited to a user interface for the user, but includes an API (Application Program Interface) or other interface for a computer program or the like.

  According to the present invention, a remittance instruction interface is provided for instructing remittance to a remittance destination account in response to a connection request in which remittance management identification information is specified. It can be prevented from being input, and remittance processing different from the expectation can be suppressed with respect to remittance by account transfer.

The information processing apparatus according to the present invention specifies the remittance destination account specifying information included in the remittance management information related to the instructed remittance when the remittance is instructed via the remittance instruction interface. You may further provide the transfer process means which performs the transfer process to the account of a remittance destination.

  In the information processing apparatus according to the present invention, the remittance management information further includes remittance completion information indicating whether or not the remittance is completed, and the transfer processing means performs the transfer process related to the remittance management information. After that, the remittance completion information included in the remittance management information is set to complete, and the interface providing means completes the remittance completion information of the remittance management information identified by the remittance management identification information of the received connection request. The remittance instruction interface may be provided only when the remittance instruction interface is not set.

  According to the present invention, since the remittance instruction interface is not provided when the remittance completion information is set to complete, it is possible to prevent the same remittance process from being instructed repeatedly.

  In the information processing apparatus according to the present invention, the remittance management information further includes a remittance amount, and the interface providing unit includes the remittance amount included in the remittance management information identified by the specified remittance management identification information. May be further provided to the requester of the connection request, and the transfer processing means may perform the transfer process of the remittance amount included in the remittance management information relating to the instructed remittance.

  According to the present invention, the remittance can give a remittance instruction after confirming the remittance amount. For this reason, it can suppress that the remittance process different from expectation is performed.

  In the information processing apparatus according to the present invention, the remittance management information further includes a deposit amount of a temporary account, which is an account represented by the remittance management information, and temporary account specifying information for specifying the temporary account, The remittance instruction interface is an interface for instructing a transfer to the temporary account represented by the remittance management information, and the transfer processing means is configured to transfer the transfer to the temporary account via the remittance instruction interface. When instructed, after performing a transfer process to the deposit amount of the temporary account based on the instruction, by performing a transfer process from the deposit amount of the temporary account to the remittance account, You may perform the transfer process to the account of a remittance destination.

  The information processing apparatus according to the present invention, when receiving a remittance management registration request, identifies the new remittance management information identified by the new remittance management identification information and stored by the remittance management information storage unit. Remittance management information generating means for generating based on the remittance management registration request, and identifying the remittance management information generated based on the remittance management registration request to a user of the requesting terminal of the remittance management registration request Connection information providing means for providing connection information for connecting to the information processing apparatus, including remittance management identification information, wherein the interface providing means specifies the remittance management identification information by the connection information. The remittance instruction interface may be provided when a connection request is received.

In the information processing apparatus according to the present invention, the connection information may be a URL (Uniform).
The connection information providing unit may provide the user with a two-dimensional code obtained by encoding the information including the connection information.

  According to the present invention, remittance processing in which erroneous input or the like related to a remittance destination account is suppressed can be performed via a two-dimensional code.

  Further, in the information processing apparatus according to the present invention, a withdrawal authority confirmation for confirming that a sender who gives a remittance instruction via the remittance instruction interface has a withdrawal authority for the account of the remittance source related to the remittance instruction. The transfer processing means may further perform a transfer process from an account confirmed by the withdrawal authority confirmation means that the sender has the withdrawal authority.

  According to the present invention, since the transfer process is performed from the account of the remittance source that has been confirmed to have the withdrawal authority, the remittance can be suppressed.

  Further, the present invention includes a remittance management information storage unit that stores remittance management information identified by remittance management identification information, including a remittance destination account specifying information for specifying a remittance destination account, and a computer connected to a network. A remittance which is an interface for instructing remittance to the remittance destination account related to the remittance management information identified by the remittance management identification information when receiving a connection request in which the remittance management identification information is specified It may be an information processing method for executing an interface providing step of providing an instruction interface to a request source of the connection request.

  Further, the present invention provides a remittance management information storage means for storing remittance management information identified by remittance management identification information, including remittance destination account specifying information for specifying a remittance destination account for a computer connected to a network. A remittance instruction which is an interface for instructing remittance to the remittance destination account related to the remittance management information identified by the remittance management identification information when receiving a connection request in which the remittance management identification information is specified It may be a program that functions as an interface providing unit that provides an interface to a request source of the connection request.

  Further, the present invention may be a program in which such a program is recorded on a recording medium readable by a computer, other devices, machines, or the like. Here, a computer-readable recording medium is a recording medium that stores information such as data and programs by electrical, magnetic, optical, mechanical, or chemical action and can be read from a computer or the like. Say.

  According to one aspect of the present invention, it is possible to suppress remittance processing different from expectations regarding remittance by account transfer.

It is the schematic which shows the hardware constitutions of the information processing system containing the remittance management server which concerns on Embodiment 1. FIG. It is a figure which shows the example of the data of the remittance management information table which concerns on Embodiment 1. FIG. It is a figure which shows the example of the data of the remittance log | history table which concerns on Embodiment 1. FIG. It is a figure which shows the outline of a function structure of the remittance management server which concerns on Embodiment 1. FIG. It is a figure which shows the example of a remittance management registration request screen. It is a figure which shows the example of a remittance management registration completion screen. It is a figure which shows the example of a remittance content confirmation screen. It is a figure which shows the example of a remittance origin account login screen. It is a figure which shows the example of a transfer instruction | indication screen. FIG. 6 is a sequence diagram illustrating an example of a flow of a remittance URL providing process according to the first embodiment. It is a sequence diagram which shows the example of the flow of the remittance process which concerns on Embodiment 1. FIG. 4 is a flowchart illustrating a flow of a transfer process according to the first embodiment. It is a figure which shows the example of the data of the remittance management information which concerns on Embodiment 2. FIG.

Hereinafter, embodiments of the present invention will be described with reference to the drawings. The embodiment described below shows an example for carrying out the present invention, and the present invention is not limited to the specific configuration described below. In practicing the present invention, it is preferable to adopt a specific configuration according to the embodiment as appropriate.

  In Embodiments 1 and 2, which are embodiments of the present invention described below, the information processing apparatus according to the present invention is implemented as a remittance management server. In the first and second embodiments, the connection information according to the present invention is implemented as a remittance URL. In the first and second embodiments, the requesting terminal for the remittance management registration request for new remittance according to the present invention is implemented as a recipient terminal, and the user is the recipient of the remittance. In an information processing system including a remittance management server, remittance from a sender to a recipient by account transfer is realized. By accessing the remittance management server using the remittance URL, the remittance can remit money to the payee's account without knowing the payee's account number.

Embodiment 1
The first embodiment will be described. In this embodiment, the remittance management information according to the present invention includes a deposit amount and an account number (temporary account number), and is implemented as representing an account (temporary account).

<Hardware configuration>
FIG. 1 is a schematic diagram illustrating a hardware configuration of an information processing system including a remittance management server according to the first embodiment. The information processing system includes a remittance management server 1, a payee terminal 2, a remittance terminal 3, a billing system 4, and the Internet 5.

  The remittance management server 1 includes a CPU (Central Processing Unit) 11, a RAM (Random Access Memory) 12, a ROM (Read Only Memory) 13, an auxiliary storage device 14 such as a HDD (Hard Disk Drive), and an NIC (NIC) connected to the Internet 5. (Network Interface Card) 15 and a NIC 16 connected to the billing system 4. The remittance management server 1 and the billing system 4 can communicate with each other using a predetermined protocol.

  The CPU 11 is a central processing unit, and controls the RAM 12, the auxiliary storage device 14 and the like by processing instructions and data of various programs developed on the RAM 12 and the like. The RAM 12 is a main storage device and is controlled by the CPU 11 to write and read various commands and data. The auxiliary storage device 14 is a non-volatile auxiliary storage device, and information to be retained even when the computer is turned off, such as various programs loaded into the RAM 12, is written and read. The auxiliary storage device 14 stores remittance management information and remittance history information, which will be described later, as a database. The auxiliary storage device 14 also stores user account information used for the Internet banking function described later.

  Similar to the remittance management server 1, the payee terminal 2 is a computer provided with a CPU, RAM, ROM, auxiliary storage device and the like. The recipient terminal 2 is a personal computer, tablet terminal, smart phone or other computer equipped with a web browser. The recipient terminal 2 is operated by the recipient.

  Similar to the remittance management server 1, the remittance terminal 3 is a computer including a CPU 31, a RAM 32, a ROM 33, an auxiliary storage device 34, and the like. The remittance terminal 3 is a NIC 35 connected to the Internet 5 via a gateway, a display device 36 such as a display, an operation unit 37 such as a touch panel, and a 2 for reading a two-dimensional code such as a QR code (registered trademark). A dimension code reader 38 is provided. The sender terminal 3 is a smartphone or the like equipped with a web browser. The sender 3 is operated by the sender. The remittance terminal 3 may be a personal computer, a tablet terminal or other computers.

  The accounting system 4 is a computer system that manages information such as account transactions in financial institutions and performs accounting processing. The billing system 4 is composed of one or more computers. The account system 4 provides the remittance management server 1 with functions such as account transfer processing.

  The Internet 5 is a network to which the remittance management server 1, the recipient terminal 2 and the remittance terminal 3 are connected. The remittance management server 1 and the recipient terminal 2 can communicate with each other via a predetermined protocol such as HTTP (Hyper Text Transfer Protocol) or HTTPS (HTTP over Secure Socket Layer) via the Internet 5. Further, the remittance management server 1 and the recipient terminal 2 can communicate with each other via a predetermined protocol such as HTTP or HTTPS via the Internet 5. Instead of the Internet 5, an intranet, a dedicated network, or other networks may be employed.

<Data structure>
A database stored in the auxiliary storage device 14 of the remittance management server 1 will be described with reference to FIGS. 2 and 3. The database in this embodiment is a relational database. The database has a remittance management information table and a remittance history table. The function of the remittance management server 1 is realized using information managed in these tables.

  FIG. 2 is a diagram illustrating an example of data in the remittance management information table according to the first embodiment. The remittance management information table manages remittance management information related to remittance. One record (one line) indicates one remittance management information. The remittance management information table includes item information of URL path, remittance flag, payee account number, remittance amount, payee name, temporary account number, and deposit amount. The URL path is information for identifying remittance management information (record). The URL path constitutes a part of a remittance URL that is connection information for connecting to the remittance management server 1. Details of the remittance URL path will be described later. The remittance flag is remittance completion information indicating whether or not remittance is completed. “0” indicates that remittance has not been completed (incomplete), and “1” indicates that remittance has been completed (completed). The payee account number is information of an account number (remittance destination account specifying information) for specifying the deposit account of the payee at the financial institution. The temporary account number and the deposit amount constitute a temporary account that is an account in which the deposit is temporarily deposited during the transfer process according to the present embodiment. In this embodiment, one remittance management information represents one temporary account, and the temporary account is managed by the remittance management information table. The temporary account number is information on an account number that identifies the temporary account. The deposit amount indicates the deposit amount deposited in the temporary account.

  The temporary account number and the deposit amount information may be stored in a database in the account system 4 and the account system 4 may manage the temporary account.

  FIG. 3 is a diagram illustrating an example of data in the remittance history table according to the first embodiment. The remittance history table manages remittance history information related to remittance (transfer processing) performed by the remittance management server 1 in the present embodiment. One record (one line) indicates one remittance history. The remittance history table includes item information of account number, transfer date, transfer time, telephone number, address, and remittance source account number, and the transfer destination account number, transfer process date, and transfer process time, respectively. , The sender's phone number, the sender's address, and the sender's account number. In the present embodiment, a temporary account number that has been transferred is recorded in the account number field. The account system 4 may manage the remittance history.

<Functional configuration>
FIG. 4 is a diagram showing an outline of a functional configuration of the remittance management server 1 according to the present embodiment.

  The remittance management server 1 reads the program stored in the auxiliary storage device 14 to the RAM 12 and executes it by the CPU 11, thereby allowing the remittance management information storage unit 101, the remittance management information generation unit 102, and the connection information providing unit. 103, an interface providing unit 104, a withdrawal authority confirmation unit 105, and a transfer processing unit 106. In the present embodiment, each function of the computer is executed by the CPU 11 that is a general-purpose processor. However, part or all of these functions may be executed by one or a plurality of dedicated processors.

  The remittance management server 1 has a Web server function, and provides various screens as Web pages to the recipient terminal 2, the remittance terminal 3, and the like. The remittance management server 1 has an internet banking function and provides processing such as login of a user account for managing an account and transfer between accounts. Note that the Web server and Internet banking functions may be provided by a separate computer, and the remittance management server 1 may request the computer to perform processing.

  In this embodiment, the remittance management information storage unit 101 stores remittance management information in a remittance management information table. The remittance management information storage unit 101 also stores a URL path, which is remittance management identification information for identifying remittance management information, in the remittance management information table.

  In the present embodiment, when a remittance management information generation unit 102 receives a remittance management registration request, the remittance management information generation unit 102 generates new remittance management information identified by a new URL path based on the remittance management registration request. In the present embodiment, the remittance management registration request is transmitted from the payee terminal 2 by operating the remittance management registration request screen displayed on the payee terminal 2 by the payee.

  FIG. 5 is a diagram showing an example of the remittance management registration request screen SC1. The remittance management registration request screen SC1 is a Web page provided to the payee terminal 2 when the payee makes a predetermined request to the remittance management server 1 from the Web browser of the payee terminal 2. When the payee inputs the payee name, account number, and information on the remittance amount and presses the registration request button, the remittance management registration request regarding the new remittance including the input information is received from the payee terminal 2. It is transmitted from the Web browser to the remittance management server 1.

  When the remittance management information generation unit 102 of the remittance management server 1 receives the remittance management registration request, it generates new remittance management information using the account number, remittance amount, and recipient name included in the remittance management registration request. To do. Recipient account number, remittance amount, and recipient name of the new remittance management information are the account number, remittance amount, and recipient name included in the remittance management registration request, respectively. Further, the temporary account number of the new remittance management information is a number that is assigned by the remittance management information generation unit 102 without duplication according to a predetermined rule. As the predetermined rule, for example, a number obtained by combining a numerical value representing the current time (year / month / day / hour / minute / second) and a serial number sequentially assigned at the same time may be adopted. The deposit amount of the new remittance management information is “0”. The remittance flag of the new remittance management information is “0” (not remittance).

  In addition, you may employ | adopt that a remittance management registration request | requirement contains the information of a PIN code. At this time, the remittance management information generation unit 102 matches the pre-registered pair of the PIN number and remittance destination account number with the set of the input PIN number and remittance destination account number included in the remittance management registration request. It is also possible to determine whether or not to generate new remittance management information only when they match. By doing so, when the account holder of the remittance account registers the password in advance, a person who does not know the password generates remittance management information and remittance URL against the intention of the account holder. Can be prevented.

In this embodiment, the remittance management information generation unit 102 generates a URL path for identifying remittance management information based on a predetermined rule. In the present embodiment, the URL path generated here is a hash value of the temporary account number calculated by a predetermined hash function. Note that other URL path generation rules may be employed.

  In the present embodiment, the remittance management information generation unit 102 requests the remittance management information storage unit 101 to store the remittance management information and URL path relating to the new remittance generated in this way in the remittance management information table.

  In the present embodiment, the connection information providing unit 103 provides a remittance URL, which is connection information for connecting to the remittance management server 1, to a recipient who is a user of the recipient terminal 2 that has requested the remittance management registration request. . This remittance URL is information represented by a URL, and includes a URL path for identifying remittance management information generated based on the remittance management registration request. In the present embodiment, the connection information providing unit 103 generates a remittance URL by linking a predetermined scheme such as http or https with a host name assigned to the remittance management server 1 and a URL path. The remittance URL is, for example, a URL in a format such as “https: // www... / Qawsdrf” including the URL path “qawsedrf”. In the present embodiment, the connection information providing unit 103 provides a remittance management registration completion screen including the URL and a two-dimensional code obtained by performing predetermined encoding on the URL.

  FIG. 6 is a diagram showing an example of the remittance management registration completion screen SC2. In FIG. 6, the remittance management registration completion screen SC2 includes a two-dimensional code obtained by encoding a remittance URL and remittance URL information.

  According to the connection information providing unit 103 of the present embodiment, since the two-dimensional code is provided, for example, the receiver preferably provides the sender with the access for the remittance processing by the remittance URL to the remitter by using a printed material on a paper medium. Can do.

  Note that the connection information providing unit 103 may transmit the remittance URL and the two-dimensional code of the remittance URL to the recipient by electronic mail. Alternatively, the connection information providing unit 103 may transmit the remittance URL and the two-dimensional code of the remittance URL to the sender by electronic mail.

  In the present embodiment, the interface providing unit 104 provides a remittance instruction interface to a connection request request source when receiving a connection request by a remittance URL. Here, the remittance instruction interface is an interface for instructing remittance to a predetermined remittance destination account. Here, the predetermined remittance destination account is a remittance destination account of remittance management information identified by the URL path included in the remittance URL. The connection request is an HTTP request.

  In this embodiment, the interface providing unit 104 acquires a URL path from the remittance URL of the received connection request, and the remittance flag of remittance management information for identifying the URL path is not set to “1” (remittance). Provide a remittance instruction interface only in some cases. If the remittance flag of the remittance management information identified by the URL path is set to “1” (remittance completed), the remittance instruction interface is not provided. Here, in the present embodiment, the remittance instruction interface is an interface for instructing the transfer to the temporary account represented by the remittance management information.

  In the present embodiment, the remittance instruction interface is a series of web page screens for instructing a transfer. Note that the interface providing unit 104 provides an error Web page when the remittance instruction interface is not provided.

  A screen of a Web page provided as a remittance instruction interface by the interface providing unit 104 will be described with reference to FIGS.

  FIG. 7 is a diagram showing an example of the remittance content confirmation screen SC3. On the remittance content confirmation screen SC3, the recipient name and remittance amount of remittance management information corresponding to the remittance URL are displayed.

  According to the interface providing unit 104 of the present embodiment, a remittance content confirmation screen SC3 on which a recipient name and a remittance amount are displayed is provided, so that the remittance can confirm the validity of the remittance content before instructing the remittance. Can be confirmed.

  FIG. 8 is a diagram showing an example of the remittance source account login screen SC4. The remittance source account login screen SC4 is a screen for the sender to specify the remittance source account, and the remittance source account login screen SC4 is provided after the OK button is pressed on the remittance content confirmation screen SC3. The remittance source account login screen SC4 is a login screen for Internet banking. When the remittance user logs in, an account managed by the logged-in Internet banking user account is designated as the remittance source account. In the present embodiment, it is assumed that one user account for Internet banking manages one account.

  FIG. 9 is a diagram illustrating an example of a transfer instruction screen SC5. The transfer instruction screen SC5 is a screen provided after logging in on the remittance source account login screen SC4. On the transfer instruction screen SC5, information on the amount of money to be transferred (the amount of money in the money transfer management information) and the account number of the remittance source account are displayed, but the account number of the remittance destination account is not displayed ("***" in FIG. 9). ****** ”). In the present embodiment, processing related to remittance is performed without the sender being informed of the account number of the actual account opened by the recipient at the financial institution. When the “Remittance Instruction” button is pressed on the transfer instruction screen SC5, a remittance instruction is transmitted from the Web browser, and the instruction unit 104 of the remittance management server 1 receives the remittance instruction.

  The interface providing unit 104 provides the remittator with the web page screen as described above as a remittance instruction interface. Specifically, the interface providing unit 104 identifies the sender terminal 3 of the connection request source by embedding session information in the Web page to be provided, and provides the screen as described above.

  In the present embodiment, the withdrawal authority confirmation unit 105 confirms that the sender who issues the transfer instruction via the web page of the remittance instruction interface has the withdrawal authority of the sender account related to the transfer instruction. Specifically, the withdrawal authority confirmation unit 105 determines whether or not the remittance has been successfully logged in via the remittance source account login screen SC4.

  In the present embodiment, the transfer processing unit 106 performs a transfer process when a transfer instruction is given via the web page of the remittance instruction interface. This transfer process is a transfer process to the remittance destination account specified by the recipient account number of the remittance management information. Specifically, the transfer processing unit 106 first performs a transfer process to the deposit amount of the temporary account based on a transfer instruction. Here, the remittance source account is an account that is designated by login on the remittance source account login screen SC4 and has been confirmed by the withdrawal authority confirmation unit 105 that the sender has the withdrawal authority. Next, the transfer processing unit 106 performs a transfer process from the deposit amount of the temporary account to the remittance destination account. When performing the transfer process, the transfer processing unit 106 requests the account system 4 to perform a part of the process (withdrawing from the remittance source account, depositing process to the remittance destination account, etc.).

In the present embodiment, the transfer processing unit 106 sets the remittance flag included in the remittance management information to “1” (remittance) after performing the transfer process related to remittance management information.

  In the present embodiment, the transfer processing unit 106 adds a remittance history related to the transfer process to the remittance history table when the transfer process is completed. According to such a remittance history, the contents of the transfer process and the like can be tracked at a later date, and for example, any system failure or trouble can be easily dealt with.

  According to the transfer processing unit 106 of the present embodiment, since the transfer process is once performed to the temporary account, even if there is a communication failure or a defect in the transfer process, the sender's remittance source account, And the impact on both the recipient's remittance account can be suppressed.

  Note that the transfer processing unit 106 may adopt a transfer process in which an amount obtained by subtracting a predetermined fee from the amount to be transferred is transferred to a remittance destination account. Further, the transfer processing unit 106 may employ a transfer process in which an amount obtained by adding a predetermined fee to the amount to be transferred is withdrawn from the remittance source account. By doing in this way, a commission can be processed suitably.

  Note that the transfer process based on the instruction of the remittance instruction interface may be performed not by the remittance management server 1 but by a server having an Internet banking function different from the remittance management server 1.

<Process flow>
A flow of remittance processing of the information processing system according to the present embodiment will be described with reference to FIGS. It should be noted that the specific contents and order of the processes shown in these drawings are examples, and it is preferable that processes suitable for the embodiment are appropriately adopted as the process contents and order.

  FIG. 10 is a sequence diagram illustrating an example of a remittance URL providing process according to the first embodiment. The flow of this process starts when the recipient operates the recipient terminal 2 displayed on the remittance management registration request screen SC1 in FIG. 1 and presses the “registration request” button.

  In step S101, a remittance management registration request is transmitted from the recipient terminal 2 to the remittance management server 1. The remittance management information generation unit 102 of the remittance management server 1 receives the transmitted remittance management registration request.

  In steps S102 and S103, new remittance management information is generated and stored in the remittance management server 1. First, in step S102, the remittance management information generation unit 102 generates new remittance management information identified by a new URL path based on the remittance management registration request. Next, in step S103, the remittance management information generation unit 102 requests the remittance management information storage unit 101 to store the generated remittance management information in the remittance management information table.

  In steps S104 to S106, the remittance URL is provided to the recipient terminal 2. First, in step S104, the connection information providing unit 103 of the remittance management server 1 generates a remittance URL. Next, the connection information providing unit 103 of the remittance management server 1 generates a predetermined encoded two-dimensional code for the remittance URL. Next, in step S106, the connection information providing unit 103 of the remittance management server 1 provides the remittance management registration screen SC2 of FIG.

Through the above processing flow, the remittance management registration screen SC2 is provided to the recipient terminal 2, so that the recipient can acquire the remittance URL and the two-dimensional code displayed on the remittance management registration screen SC2. Therefore, the recipient can notify the sender of the remittance URL by e-mail or the like, for example, and can request the remittance. It is also possible to send a paper medium on which a two-dimensional code is printed to a recipient and request remittance. On the other hand, the sender who requested the remittance can access the remittance management server 1 and send the remittance by transmitting a connection request specifying the remittance URL from the remittance terminal 3 to the remittance management server 1.

  FIG. 11 is a sequence diagram illustrating an example of the flow of remittance processing according to the first embodiment. The flow of this process is the connection in which the remittance terminal 3 reads the two-dimensional code by the two-dimensional code reader 38 after the remittance URL providing process flow of FIG. 10 and designates the remittance URL to the remittance management server 1. Start with a request. Note that it may be triggered when a connection request specifying a remittance URL is made without reading a two-dimensional code.

  In step S201, a connection request (HTTP request) specifying a remittance URL is transmitted from the remittance terminal 3 to the remittance management server 1. The interface providing unit 104 of the remittance management server 1 receives the connection request.

  In steps S202 to S203, it is confirmed in the remittance management server 1 that the remittance URL of the connection request relates to remittance management information that has not been remittance. First, in step S202, the interface providing unit 104 extracts a URL path from the remittance URL, and confirms that the extracted URL path exists in the remittance management information table. If the URL path does not exist in the remittance management information table, the process becomes an error and the subsequent processes are not performed. In step S203, the interface providing unit 104 searches the remittance management information table using the extracted URL path as a key, thereby acquiring remittance management information identified by the URL path. Next, in step S204, the interface providing unit 104 confirms that the value of the remittance flag in the acquired remittance management information is 0 (non-remittance).

  Steps S205 and S206 relate to confirmation of remittance contents. First, in step S205, the interface providing unit 104 of the remittance management server 1 provides the remittance terminal 3 with a remittance content confirmation screen SC3 including display of the remittance amount and the recipient name. Next, in step S206, the sender's terminal 3 transmits OK (confirmed) information according to the operation of the sender's pressing of the OK button.

  Steps S207 to S210 relate to a remittance source account. First, in step S207, the interface providing unit 104 of the remittance management server 1 provides the remittance source account login screen SC4 to the remittance terminal 3. Next, in step S <b> 208, the remitter terminal 3 transmits login information including a number and a password to the remittance management server 1 in accordance with the input operation of the remitter. Next, in step S209, the interface providing unit 104 of the remittance management server 1 authenticates login of the remittance source account. Next, in step S210, the interface providing unit 104 of the remittance management server 1 acquires remittance source account information.

  In steps S211 and S212, a transfer instruction is issued. First, in step S211, the remittance management server 1 provides a transfer instruction screen SC5 to the remittance terminal 3. Next, in step S212, the remitter terminal 3 transmits a transfer instruction to the remittance management server 1 in accordance with the operation of the remitter.

Steps S213 to S215 relate to a transfer process. First, in step S213, the transfer processing unit 106 of the remittance management server 1 performs a transfer process. The transfer process performed by the transfer processing unit 106 is a transfer process from the remittance source account acquired in step S210 to the remittance destination account included in the remittance management information acquired in step S203. This transfer process is a transfer process for the remittance amount included in the remittance management information. Details of the transfer process of this embodiment will be described later. Next, in step S214, the transfer processing unit 106 of the remittance management server 1 sets a remittance flag to “1” (remittance completed). In step S215, the remittance management server 1 notifies the remittance terminal 3 of the completion of remittance. Note that the remittance management server 1 may notify the recipient of the completion of remittance by e-mail or other means.

  FIG. 12 is a flowchart illustrating a flow of a transfer process according to the first embodiment. The flow of this process shows the detail of the transfer process of step S213 among the remittance processes of FIG. Further, this flow of processing indicates a flow of processing performed in the remittance management server 1.

  In step S301, the withdrawal authority confirmation unit 105 determines whether or not the sender who issues the transfer instruction has the withdrawal authority for the source account. If it is determined in step S301 that the remittance has the authority to withdraw the remittance source account, the process proceeds to step S302. If it is not determined in step S301 that the sender has the authority to withdraw the source account, the process ends.

  In step S302, the transfer processing unit 106 performs transfer processing of the amount transferred from the remittance source account to the temporary account. Next, in step S303, the transfer processing unit 106 determines whether or not the transfer process to the temporary account is successful. If it is determined in step S303 that the transfer process to the temporary account is successful, the process proceeds to step S304. If it is not determined in step S303 that the transfer process to the temporary account has been successful, the process ends.

  In step S304, the transfer processing unit 106 performs transfer processing of the amount transferred from the temporary account to the remittance destination account.

  As described above, according to the present embodiment, a remittance instruction interface such as a screen for instructing remittance to a remittance destination account is provided to the remittance terminal 3 in response to a connection request by a remittance URL. Therefore, it is possible to prevent erroneous input of the account number of the remittance destination. Therefore, it is possible to suppress remittance processing different from the expectation regarding remittance by account transfer. In addition, a remittance instruction interface is not provided for a connection request with a remittance URL corresponding to the remittance management information in which the remittance flag is set to remittance. Can be prevented. Further, since the transfer process is performed based on the remittance management information of the remittance input by the recipient, it is possible to prevent remittance processing based on the remittance amount erroneously input by the remittance person.

  Further, according to the present embodiment, since the account number of the remittance destination account is not notified to the sender, the recipient can receive the remittance amount without knowing the account number opened in the financial institution to the sender. it can.

<< Embodiment 2 >>
A second embodiment will be described. In this embodiment, the remittance management information does not include the deposit amount and the temporary account number, unlike the first embodiment. That is, the remittance management information is implemented as not representing a temporary account. In this embodiment, the transfer process is implemented as different from the transfer process of the first embodiment using a temporary account.

<Hardware configuration>
The outline of the hardware configuration of the information processing system according to the present embodiment is the same as the outline shown in FIG. Therefore, explanation is omitted.

<Data structure>
With reference to FIG. 13, a remittance management information table different from that of the first embodiment will be described for the database stored in the auxiliary storage device 14 of the remittance management server 1. Note that the remittance history table according to the present embodiment is the same as the remittance history table of the first embodiment, and a description thereof will be omitted.

  FIG. 13 is a diagram illustrating an example of remittance management information data according to the second embodiment. The remittance management information table manages remittance management information related to remittance as in the first embodiment. In the present embodiment, the remittance management information table includes item information of URL path, remittance flag, payee account number, remittance amount, and payee name, as in the first embodiment. In the present embodiment, unlike the first embodiment, the remittance management information table does not include the temporary account number and the deposit amount.

<Functional configuration>
The outline of the functional configuration of the remittance management server 1 according to the present embodiment is the same as the outline shown in FIG. Regarding the function of the remittance management server 1, a part different from the function described in the first embodiment will be described.

  In the present embodiment, the transfer processing unit 106 performs a transfer process when a transfer instruction is given via the web page of the remittance instruction interface. Specifically, the transfer processing unit 106 performs a transfer process from the remittance source account to the remittance destination account. At this time, unlike the first embodiment, the transfer process related to the temporary account is not performed. In the present embodiment, the transfer processing unit 106 requests the account system 4 to perform a transfer process from the remittance source account to the remittance destination account when performing the transfer process.

<Process flow>
Of the processing flow according to the present embodiment, the remittance URL providing processing flow and the remittance processing flow are the same as those in the first embodiment. Therefore, explanation is omitted. However, the flowchart which shows the flow of the transfer process which concerns on Embodiment 1 shown in FIG. 12 is not employ | adopted. As described above, the transfer processing unit 106 directly performs a transfer process from a remittance source account to a remittance destination account without performing a transfer process via a temporary account.

  As described above, according to the present embodiment, a remittance instruction interface such as a screen for instructing remittance to a remittance destination account is provided to the remittance terminal 3 in response to a connection request by a remittance URL. Therefore, it is possible to prevent an incorrect input of the account number of the remittance destination. Therefore, it is possible to suppress remittance processing different from the expectation regarding remittance by account transfer. Moreover, according to this embodiment, since a temporary account is not provided, a remittance process can be performed efficiently with few calculation resources.

≪Modification≫
In the embodiment described above, the remittance management information is not deleted even after the transfer processing by the transfer processing unit 106. In another embodiment, after the transfer processing by the transfer processing unit 106, deleting the remittance management information regarding the transfer processing from the remittance management information table may be employed. By doing in this way, the temporary account number and URL path of the deleted remittance management information can be assigned to newly generated remittance management information. For this reason, when a fixed-length temporary account number or URL path is adopted, it is possible to suppress the occurrence of a problem of temporary account number or URL path depletion.

  As another embodiment, if transfer processing related to the remittance management information is not performed even after a predetermined period has elapsed since the remittance management information and the remittance URL are generated, the remittance management information may be deleted. . By doing in this way, it can control that the problem of depletion of a temporary account number or URL path occurs. In addition, consumption of computing resources such as storage capacity can be suppressed.

In another embodiment, after the remittance management information and the remittance URL are generated, the remittance management server 1 receives the remittance management cancellation request including the URL path to be canceled from the payee terminal 2. The remittance management information identified by the URL path may be deleted. By doing so, the remittance instruction interface related to the remittance management information identified by the URL path to be canceled is not provided. Therefore, the remittance process using the remittance URL including the URL path to be canceled becomes impossible. That is, the remittance URL is invalidated. For example, after the recipient notifies the sender of the remittance URL and requests the remittance, if the requested remittance is no longer necessary, the recipient can quickly invalidate the remittance URL, Processing can be prevented.

  As another embodiment, the temporary account number may be a variable length value. By doing so, it is possible to prevent the problem of depletion of temporary account numbers when many temporary account numbers are assigned.

1 Remittance management server (information processing device)
DESCRIPTION OF SYMBOLS 2 Recipient terminal 3 Remittance terminal 4 Account system 5 Internet 101 Remittance management information storage part 102 Remittance management information generation part 103 Connection information provision part 104 Interface provision part 105 Withdrawal authority confirmation part 106 Transfer processing part SC1 Remittance management registration request Screen SC2 Remittance Management Registration Completion Screen SC3 Remittance Details Confirmation Screen SC4 Remittance Source Account Login Screen SC5 Transfer Instruction Screen

Claims (6)

An information processing apparatus connected to a network,
Includes a transfer destination account specifying information for specifying the transfer destination account is identified by a remittance management identification information, the remittance management information recipient to receive the money transfer is generated by entering the account number and remittances recipients at the terminal Remittance management information storage means for storing;
A connection request in which the remittance management identification information is designated, and the remittance is sent based on the information received from the information processing apparatus and transferred to the remittance by the recipient when the remittance management information is generated. When receiving a connection request, an interface for instructing remittance to the remittance destination account related to the remittance management information identified by the remittance management identification information, and a transfer operation displayed to the remittance person An interface providing means for providing a remittance instruction interface generated on the screen for a request to the requester of the connection request;
When a remittance instruction is instructed via the remittance instruction interface, a transfer that performs a transfer process to the remittance destination account specified by the remittance destination account specifying information included in the remittance management information related to the instructed remittance Processing means;
With
The remittance account is a temporary account,
The remittance management information further includes remittance completion information indicating whether remittance has been completed,
The transfer processing means sets the remittance completion information included in the remittance management information to complete after performing the transfer process related to the remittance management information,
The interface providing means provides the remittance instruction interface only when the remittance completion information of the remittance management information identified by the remittance management identification information of the received connection request is not set to complete.
Information processing device. An information processing apparatus connected to a network,
Contains remittance account identification information that identifies the remittance account, and is identified by remittance management identification information, and stores remittance management information that is generated when the recipient who receives the remittance inputs the recipient's account number and remittance amount at the terminal Remittance management information storage means,
A connection request in which the remittance management identification information is designated, and the remittance is sent based on the information received from the information processing apparatus and transferred to the remittance by the recipient when the remittance management information is generated. The remittance management information identified by the remittance management identification information when a connection request is received
The remittance instruction interface generated on the transfer operation screen displayed to the sender is provided to the requester of the connection request. An interface providing means,
When a remittance instruction is instructed via the remittance instruction interface, a transfer that performs a transfer process to the remittance destination account specified by the remittance destination account specifying information included in the remittance management information related to the instructed remittance Processing means;
With
The remittance management information further includes a deposit amount of a temporary account, which is an account represented by the remittance management information, and temporary account specifying information for specifying the temporary account,
The remittance instruction interface is an interface for instructing a transfer to the temporary account represented by the remittance management information,
The transfer processing means performs the transfer process to the deposit amount of the temporary account based on the instruction when the transfer instruction to the temporary account is instructed via the remittance instruction interface. By performing a transfer process from the deposit amount of the account to the remittance destination account, a transfer process to the remittance destination account is performed.
Information processing device. When a remittance instruction is instructed via the remittance instruction interface, a transfer that performs a transfer process to the remittance destination account specified by the remittance destination account specifying information included in the remittance management information related to the instructed remittance Further comprising processing means,
The remittance management information further includes a remittance amount,
The interface providing means further provides the remittance amount included in the remittance management information identified by the designated remittance management identification information to a requester of the connection request;
The transfer processing means performs a transfer process of the remittance amount included in the remittance management information related to the instructed remittance;
The information processing apparatus according to claim 1 or 2. When a remittance instruction is instructed via the remittance instruction interface, a transfer that performs a transfer process to the remittance destination account specified by the remittance destination account specifying information included in the remittance management information related to the instructed remittance Processing means;
Further comprising a withdrawal authority confirmation means for confirming that a remittance instructing remittance via the remittance instruction interface has a withdrawal authority of the account of the remittance source related to the remittance instruction,
The transfer processing means performs a transfer process from the account confirmed by the withdrawal authority confirmation means that the sender has the withdrawal authority.
The information processing apparatus according to any one of claims 1 to 3 . Includes a transfer destination account specifying information for specifying the transfer destination account is identified by a remittance management identification information, the remittance management information recipient to receive the money transfer is generated by entering the account number and remittances recipients at the terminal A computer provided with a remittance management information storage unit and connected to a network
A connection request in which the remittance management identification information is designated, and the remittance is sent based on the information received from the information processing apparatus and transferred to the remittance by the recipient when the remittance management information is generated. When receiving a connection request, an interface for instructing remittance to the remittance destination account related to the remittance management information identified by the remittance management identification information, and a transfer operation displayed to the remittance person An interface providing step of providing a remittance instruction interface generated on the screen for the request to the requester of the connection request ;
The remittance instruction interface, when a remittance instruction is given via the remittance instruction interface, to a remittance destination account specified by the remittance destination account specifying information included in the remittance management information related to the instructed remittance It is an interface for performing the transfer process of
The remittance account is a temporary account,
The remittance management information includes remittance completion information indicating whether remittance is completed,
In the transfer process, after the transfer process related to the remittance management information is performed, the remittance completion information included in the remittance management information is set to complete,
In the interface providing step, the remittance instruction interface is provided only when the remittance completion information of the remittance management information identified by the remittance management identification information of the received connection request is not set to complete.
Information processing method. Computer connected to network
Includes a transfer destination account specifying information for specifying the transfer destination account is identified by a remittance management identification information, the remittance management information recipient to receive the money transfer is generated by entering the account number and remittances recipients at the terminal Remittance management information storage means for storing;
A connection request in which the remittance management identification information is designated, and the remittance is sent based on the information received from the information processing apparatus and transferred to the remittance by the recipient when the remittance management information is generated. When receiving a connection request, an interface for instructing remittance to the remittance destination account related to the remittance management information identified by the remittance management identification information, and a transfer operation displayed to the remittance person remittance instruction interface generated on the screen of the use, to function as an interface providing means for providing to the requesting of the connection request,
The remittance instruction interface, when a remittance instruction is given via the remittance instruction interface, to a remittance destination account specified by the remittance destination account specifying information included in the remittance management information related to the instructed remittance It is an interface for performing the transfer process of
The remittance account is a temporary account,
The remittance management information includes remittance completion information indicating whether remittance is completed,
In the transfer process, after the transfer process related to the remittance management information is performed, the remittance completion information included in the remittance management information is set to complete,
The interface providing means functions to provide the remittance instruction interface only when the remittance completion information of the remittance management information identified by the remittance management identification information of the received connection request is not set to complete. Program.

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