JP6209564B2 - Deposit management device and deposit management method - Google Patents

Description

  The present invention relates to a deposit management apparatus and a deposit management method.

  Conventionally, a deposit processing apparatus such as an ATM performs a deposit process in response to receiving a deposit destination account number and a deposit amount from a deposit requester (see, for example, Patent Document 1).

JP-A-8-212498

  When a deposit requester deposits money to multiple recipients, it is necessary to make a deposit based on the account number specified for each of the recipients, and the deposit process is complicated for the deposit requester. there were.

  Therefore, the present invention has been made in view of these points, and an object of the present invention is to provide a deposit management apparatus and a deposit management method that allow a deposit requester to easily deposit to a deposit destination.

  The deposit management device according to the first aspect of the present invention includes a user information storage unit that associates and stores telephone numbers of a plurality of users and user identification information for identifying the users, the user identification information, and the users An account information storage unit for storing the account number of the electronic money account in association with each other, and obtaining from the deposit request source the deposit amount to the electronic money account and the telephone number of the user of the deposit destination A determination unit that determines whether an account number corresponding to the user identification information associated with the acquired telephone number is stored in the account information storage unit, and the account number is stored. If it is determined, if it is determined that the deposit processing unit that performs the deposit process of the deposit amount in the account of the account number, and that the account number is stored, the receipt of money depending on the receipt process being performed. A notification unit for notifying that the deposit process has been performed, and notifying the deposit requester of error information indicating that the deposit process cannot be performed if it is determined that the account number is not stored. And comprising.

  The user information storage unit stores information indicating whether the user has an account of a predetermined bank in association with the user identification information, and the deposit management device allows the user to store the predetermined bank. If it has an account, it further comprises a reception unit for receiving payment from the electronic money account to the account of the predetermined bank, and the payment processing unit has received the payment In response to this, deposit processing from the account for electronic money to the account of the predetermined bank may be performed.

  The acquisition unit further acquires request source identification information for identifying the deposit request source from the deposit request source, and the deposit processing unit stores the request source identification information and the deposit amount in association with each other in the storage unit. You may let them.

  In the case where the user has an account of the predetermined bank and the deposit is made from the predetermined deposit request source to the account for electronic money, the reception unit is configured to store the predetermined bank of the deposit. You may accept deposits to your account.

  The deposit processing unit, when the accepting unit accepts the deposit from the first deposit request source to the account of the predetermined bank, a fee is charged at the time of deposit processing to the account of the predetermined bank. If the acceptance unit accepts the deposit from the second deposit request source to the predetermined bank account without collecting, a fee is collected at the time of deposit processing to the predetermined bank account. May be.

  The acquisition unit further acquires information indicating a deposit method from the deposit request source, associates the information indicating the deposit method with the deposit amount, and stores the information in a storage unit, and the deposit management device stores a predetermined deposit You may further provide the reception part which receives the payment to the other account different from the said account for electronic money of the deposit amount deposited to the said account for electronic money by the method.

  The user information storage unit stores the user's telephone number in association with the user's contact information. When the notification unit determines that the account number is stored, the deposit process is performed. In response, the contact associated with the acquired telephone number is notified that the deposit process has been performed, and if it is determined that the account number is not stored, the deposit process is performed on the contact. Error information indicating that it cannot be performed may be notified.

If the notification unit determines that the account number is not stored, the notification unit may notify the contact information associated with the acquired telephone number of guidance information that guides the procedure for opening the account for electronic money. .
The deposit management device may further include a privilege grant unit that grants a privilege to a user who has performed the opening procedure in response to detecting that the procedure for opening the account for electronic money has been performed.

  The deposit management method according to the second aspect of the present invention includes a step of acquiring a deposit amount to an account for electronic money and a phone number of a deposit destination user from a deposit request source, which is executed by a computer, The account number corresponding to the user identification information associated with the acquired telephone number is stored in the account information storage unit that stores the user identification information for identifying the user in association with the account number of the electronic money account. Determining whether or not the account number is stored; determining that the account number is stored; performing the deposit process of the deposit amount to the account of the account number; and storing the account number When determining, in response to the receipt process being performed, notifying the deposit request source that the receipt process has been performed, and determining that the account number is not stored, Fill in gold request source, and a step of notifying the error information indicating that it is impossible to perform the deposit process.

  According to the present invention, there is an effect that the deposit requester can easily deposit to the deposit destination.

It is a figure which shows the outline | summary of the money_receiving | payment management apparatus which concerns on 1st Embodiment. It is a figure which shows the structure of the deposit management apparatus which concerns on 1st Embodiment. It is a figure which shows an example of the information memorize | stored in the user information storage part. It is a figure which shows an example of the information memorize | stored in the account information storage part. It is a figure which shows an example of a deposit / withdrawal log | history. It is a figure which shows an example of a payment screen and a confirmation screen. It is an example of the reception screen for receiving the movement of the balance to the account of a predetermined bank. It is a sequence diagram which shows the flow of the process which concerns on the payment from a payment request origin. It is a sequence diagram which shows the flow of the process which concerns on the movement of the balance from the account for electronic money to a predetermined bank. It is an example of the reception screen for receiving the movement of the balance to another account.

<First Embodiment>
FIG. 1 is a diagram showing an overview of a deposit management apparatus 1 according to the first embodiment.
The deposit management device 1 is a device that provides an electronic money service using a prepaid card, and manages electronic money deposited into the prepaid card.

  The deposit management device 1 includes the telephone number of the user who is the deposit destination and information indicating the deposit amount to the user's account for electronic money from the request source terminal 2 such as a personal computer or smartphone used by the deposit request source. A deposit request is accepted ((1) in FIG. 1). Here, for example, a company that provides a refund to the user, a company that grants electronic money as a privilege to the user, an administrative institution that provides the user with a predetermined benefit by electronic money, and a user auction The sales destination of the product sold by the company, the user's family and friends, the user himself, and the like. In the present embodiment, it is assumed that the deposit request source is not the user himself unless otherwise specified. Although illustration is omitted, a payment request may be received from the user terminal 3 when the user himself deposits.

The deposit management device 1 determines whether or not there is an account for the user's electronic money corresponding to the telephone number specified in the deposit request ((2) in FIG. 1). The deposit process to the account is performed ((3) in FIG. 1).
In this way, the deposit requester can easily deposit the user by designating the user's telephone number without designating the user's account number.

  The deposit management apparatus 1 transmits deposit completion information indicating that the deposit process is completed to the request source terminal 2 in response to the deposit process. In addition, the deposit management device 1 determines that there is no account for the user's electronic money, and if the deposit process cannot be performed, error information indicating that the deposit process cannot be performed is sent to the request source terminal 2 to send. Also, the deposit management device 1 identifies the contact information of the user, and transmits the deposit completion information or error information to the user terminal 3 such as a smartphone corresponding to the contact information ((4) in FIG. 1).

  The user operates the user terminal 3 to log in to the electronic money service by transmitting a user ID as user identification information for identifying the user and a password corresponding to the user ID to the deposit management device 1. The balance of the account for the user's electronic money and the deposit / withdrawal history are confirmed.

  The deposit management apparatus 1 receives a deposit request to a predetermined bank account from the user terminal 3 ((5) in FIG. 1). Here, the predetermined bank is, for example, a financial institution that has a business alliance with an electronic money service provider.

  The deposit management device 1 determines whether the user of the user terminal 3 has a predetermined bank account ((6) in FIG. 1). If it is determined that there is a predetermined bank account, the deposit management apparatus 1 accepts the designation of the deposit amount from the user terminal 3 and performs a deposit process to the predetermined bank account ((7) in FIG. 1). ).

The deposit management device 1 transmits deposit completion information to the user terminal 3 in response to performing deposit processing to a predetermined bank account ((8) in FIG. 1).
By doing in this way, when the user has a plurality of accounts such as an electronic money account or a predetermined bank account, the user can easily access the predetermined bank account from the electronic money account. Can be credited.

  Next, the configuration of the deposit management device 1 will be described. FIG. 2 is a diagram illustrating a configuration of the deposit management apparatus 1 according to the first embodiment. The deposit management device 1 includes a communication unit 11, a storage unit 12, and a control unit 13.

  The communication unit 11 is an interface for connecting to a communication network such as the Internet, and includes, for example, a LAN controller. The communication unit 11 communicates with the request source terminal 2 and the user terminal 3 via a communication network.

  The storage unit 12 is a storage medium such as a ROM, a RAM, and a hard disk. The storage unit 12 stores a program executed by the control unit 13. In addition, the storage unit 12 stores a user information storage unit 121 that associates and stores telephone numbers of a plurality of users and user IDs, a user ID, and an account number of a user's electronic money account in association with each other. And an account information storage unit 122.

  FIG. 3 is a diagram illustrating an example of information stored in the user information storage unit 121. As shown in FIG. 3, the user information storage unit 121 stores a user ID, a user name, a user telephone number, a user contact information, and information indicating the presence or absence of a predetermined bank account in association with each other. Here, the telephone number is a telephone number assigned to the user terminal 3. The contact address is a mail address associated with the user terminal 3. In the presence or absence of a predetermined bank account, “none” is stored as an initial state. The presence / absence of the predetermined bank account is updated from “No” to “Yes” in response to, for example, the control unit 13 receiving the designation of the account number of the predetermined bank from the user.

  FIG. 4 is a diagram illustrating an example of information stored in the account information storage unit 122. As shown in FIG. 4, the account information storage unit 122 stores a user ID, an account number of an electronic money account, an electronic money balance, and an electronic money deposit / withdrawal history in association with each other.

  Here, the account number is, for example, a number of a predetermined number of digits attached to the prepaid card in order to identify the prepaid card. When the account number associated with the user ID is “−”, it indicates that the user with the user ID does not have a prepaid card.

  FIG. 5 is a diagram showing an example of a deposit / withdrawal history. The deposit / withdrawal history shown in FIG. 5 corresponds to the user ID “TARO97” in FIG. 4. As shown in FIG. 5, the deposit / withdrawal history includes the date / time of deposit / withdrawal, the deposit / withdrawal category, the deposit / withdrawal amount, the request source identification information for identifying the deposit request source, or the withdrawal destination identification for identifying the withdrawal destination. Information, deposit method, and balance after deposit / withdraw are associated.

  In the present embodiment, it is assumed that, when electronic money is withdrawn, the amount deposited earlier is assigned to the withdrawal. In the example shown in FIG. 5, deposits are made on 2015/5/11 and 2015/5/12 respectively, but the withdrawals on 2015/5/13 were deposited on 2015/5/11. It shall be allocated from the amount. The deposit management device 1 stores the balance of electronic money for each deposit, and subtracts the withdrawal amount from the balance corresponding to the deposit to which the withdrawal is assigned when the electronic money is dispensed, so that the current balance is determined. , It is possible to manage which deposit is corresponding to the balance.

The control unit 13 is a CPU, for example. The control unit 13 controls functions related to the deposit management apparatus 1 by executing various programs stored in the storage unit 12.
The control unit 13 includes an acquisition unit 131, a determination unit 132, a deposit processing unit 133, a notification unit 134, a privilege grant unit 135, and a reception unit 136.

  The acquisition unit 131 acquires the request source identification information, the deposit amount to the electronic money account, the phone number of the deposit destination user, and the deposit method from the request source terminal 2 of the deposit request source. For example, when the user of the request source terminal 2 logs in to the electronic money service and receives an operation for depositing, the acquisition unit 131 displays the deposit screen illustrated in FIG. In FIG. 6A, there are provided an input field for the telephone number of the deposit destination, an input field for the deposit amount, and a confirmation button displayed as “Next”. When the confirmation button is selected in a state where the telephone number and the deposit amount are input in the respective input fields, the acquisition unit 131 uses the request source identification information previously associated with the user of the request source terminal 2 and the electronic money The deposit amount to the account, the telephone number of the user of the deposit destination, and the deposit method are acquired.

  Here, when the user of the request source terminal 2 is different from the user corresponding to the input telephone number, the deposit method is “transfer from another person”. In addition, when the user deposits his / her prepaid card at a store or the like, the deposit method is “cash charge”, and when the user deposits from the prepaid card management screen (not shown), the deposit The method is “transfer charge”.

  The determination unit 132 determines whether or not the account number corresponding to the user ID associated with the telephone number acquired by the acquisition unit 131 is stored in the account information storage unit 122. Specifically, when the acquisition unit 131 acquires a telephone number, the determination unit 132 specifies a user ID associated with the telephone number in the user information storage unit 121. The determination unit 132 refers to the account information storage unit 122 and determines whether there is an account number associated with the identified user ID.

  If the determination unit 132 determines that the user's account number is stored, the user information storage unit 121 specifies the user name associated with the acquired telephone number. Subsequently, as illustrated in FIG. 6B, the determination unit 132 causes the request source terminal 2 to display a confirmation screen including the input telephone number, the input deposit amount, and the specified user name. When the user of the request source terminal 2 selects a deposit button displayed as “deposit” on the confirmation screen, the acquisition unit 131 acquires deposit instruction information for instructing deposit to the deposit destination.

  If the determination unit 132 determines that the user's account number is stored, the deposit processing unit 133 performs a deposit process for the deposit amount acquired by the acquisition unit 131 to the account corresponding to the account number. Specifically, when the determination unit 132 determines that the user's account number is stored and the acquisition unit 131 acquires the deposit instruction information, the deposit processing unit 133 determines the user's account number in the account information storage unit 122. Is increased by the deposit amount acquired by the acquisition unit 131. Further, the deposit processing unit 133 stores the deposit date, deposit / withdrawal category “deposit”, deposit amount, requester identification information, and deposit method in association with each other as a deposit / withdrawal history.

  When the determination unit 132 determines that the account number of the user's electronic money account is stored, the notification unit 134 notifies the payment request source of the payment completion information in response to the payment process being performed. In this way, the deposit requester can confirm that the deposit has been normally made to the electronic money account.

  If the notification unit 134 determines that the account number of the user's electronic money account is not stored, the notification unit 134 notifies the deposit requester of error information indicating that the deposit process cannot be performed. By doing in this way, the deposit request source can grasp that the deposit could not be made and can take measures such as contacting the user.

  In addition, the notification unit 134 refers to the user information storage unit 121 and identifies the contact information of the user associated with the telephone number acquired by the acquisition unit 131. When the determining unit 132 determines that the account number of the user's electronic money account is stored, the notifying unit 134 sends the payment completion information to the user's contact information in response to the payment process being performed. Notice. By doing in this way, the user can confirm that payment was performed with respect to the account for electronic money.

  If the determination unit 132 determines that the account number of the user's electronic money account is not stored, the notification unit 134 notifies the user contact information of error information. Here, the notification unit 134 may include request source identification information for identifying the deposit request source and information indicating the deposit amount in the error information. By doing in this way, the user can confirm from which payment request source payment was not performed. Therefore, the payment requesting source can save the trouble of notifying the user that payment cannot be made. If the notification unit 134 determines that the account number of the user's electronic money account is not stored, the notification unit 134 notifies the user's contact information of guidance information indicating the procedure for opening the electronic money account. By doing so, the user confirms the guide information indicating the account opening procedure together with the error information, and therefore tries to open an account for electronic money so that payment can be made from the deposit request source. Thereby, the operator of the electronic money service can acquire a new user.

  The notification unit 134 notifies the user of various types of information by sending an e-mail to a contact associated with the user terminal 3 as a contact, but is not limited thereto. For example, the notification unit 134 may transmit an SMS (Short Message Service) message including various information to the user terminal 3 based on the user's telephone number acquired by the acquisition unit 131.

  The privilege grant unit 135 detects the opening of an account for electronic money. For example, the privilege granting unit 135 detects that processing related to the procedure for opening an account for electronic money has been performed, and grants a privilege to the user who has performed the opening procedure. Here, the privilege is a predetermined amount of money to a coupon, a newly opened electronic money account, or the like.

  When the user has a predetermined bank account, the reception unit 136 receives payment from the electronic money account to the predetermined bank account. Specifically, when the user has an account of a predetermined bank, the receiving unit 136 receives information from the user terminal 3 when depositing into an account for electronic money from a predetermined deposit request source. , Accept the deposit to the bank account of the deposit. Here, the predetermined deposit request source is a deposit request source different from the user of the user terminal 3, for example, a company, a local government, an acquaintance of the user, or the like.

  More specifically, when accepting a request for depositing a balance of an electronic money account from a user terminal 3 to a predetermined bank account, the accepting unit 136 refers to the user information storage unit 121 and the user selects a predetermined amount. Determine if you have a bank account.

  If the reception unit 136 determines that the user does not have a predetermined bank account, the reception unit 136 displays error information indicating that there is no predetermined bank account and that payment to the predetermined bank account cannot be performed. 3 to send.

  If the receiving unit 136 determines that the user has an account of a predetermined bank, the receiving unit 136 refers to the deposit / withdrawal history stored in the account information storage unit 122 and deposits related to the deposit corresponding to the current balance. Specify the requester and the deposit amount. Then, when the specified deposit request source includes the predetermined deposit request source, the reception unit 136 uses the deposit amount associated with the predetermined deposit request source as an upper limit from the electronic money account. Accept deposits to a given bank account.

  For example, in the example of the deposit / withdrawal history shown in FIG. 5, the current balance of 2,500 yen is 1,500 yen out of the deposit amount of 2,000 yen of 2015/5/11 and 2015/5/12 It corresponds to a deposit of 1,000 yen. Here, since the deposit of 2015/5/11 is not a deposit by the user itself but corresponds to a predetermined deposit request source, the reception unit 136 is a part of the deposit amount of 2015/5/11. Accepts deposits from an electronic money account to a predetermined bank account with an upper limit of 500 yen.

  FIG. 7 is an example of a reception screen for receiving the transfer of the balance to a predetermined bank account. As shown in FIG. 7, the acceptance screen displays a transferable amount of the balance to the predetermined bank, an input field for the amount to be transferred to the predetermined bank, and a deposit button indicating “deposit”. Has been. In the reception screen shown in FIG. 7, when the deposit button is selected in a state in which the amount has been input, the reception unit 136 receives the amount to be deposited into a predetermined bank account.

  The deposit processing unit 133 performs deposit processing from an electronic money account to a predetermined bank account in response to the receipt unit 136 accepting the deposit. By doing in this way, the user can move the balance of electronic money to a predetermined bank and can cash electronic money.

  When the accepting unit 136 accepts the deposit from the first deposit request source to the predetermined bank account, the deposit processing unit 133 collects a fee when depositing the predetermined bank account. It does not have to be. In addition, when the reception unit 136 receives the deposit from the second deposit request source to the predetermined bank account, the deposit processing unit 133 charges a fee when depositing the predetermined bank account. May be collected. That is, when transferring the deposit from the second deposit request source to a predetermined bank account, the deposit processing unit 133 subtracts the amount to be transferred and the fee from the balance of the electronic money account. May be.

  Here, it is assumed that the information indicating the first deposit request source and the second deposit request source is stored in the storage unit 12 in association with the request source identification information for identifying the deposit request source, for example. For example, the first deposit request source is a company or a public institution, and the second deposit request source is a user acquaintance. In this way, the deposit management device 1 can switch whether or not to collect a fee when depositing to a predetermined bank according to the type of the deposit request source.

[Flow of processing related to deposit request from deposit request source]
Next, the process flow in the deposit management apparatus 1 will be described. First, the flow of processing relating to a deposit request from a deposit request source will be described. FIG. 8 is a sequence diagram showing a flow of processing related to depositing from the deposit request source. In this sequence, it is assumed that the deposit request source is not the user himself.

First, the acquisition unit 131 receives a deposit request including a telephone number, a deposit amount, and request source identification information from the request source terminal 2.
Subsequently, the determination unit 132 refers to the user information storage unit 121 and specifies the user ID associated with the telephone number included in the received deposit request (S1).

Subsequently, the determination unit 132 refers to the account information storage unit 122 and determines whether there is account information for electronic money of the user associated with the specified user ID (S2).
When the determination unit 132 determines that there is no account information for the user's electronic money, the notification unit 134 notifies the request source terminal 2 and the user terminal 3 of error information indicating that the deposit process cannot be performed.

If the determination unit 132 determines that there is account information for the user's electronic money, the payment processing unit 133 increases the balance associated with the user's account number by the amount received by the acquisition unit 131. Perform (S3).
Thereafter, the notification unit 134 transmits deposit completion information indicating that the deposit process has been completed to the request source terminal 2 and the user terminal 3.

[Flow of processing related to transfer of deposit amount by user]
Next, the flow of processing relating to the transfer of balance from an electronic money account to a predetermined bank will be described. FIG. 9 is a sequence diagram showing a flow of processing relating to transfer of a balance from an electronic money account to a predetermined bank.

First, the receiving unit 136 receives a request for depositing the balance of the electronic money account from the user terminal 3 to a predetermined bank.
Subsequently, the reception unit 136 refers to the user information storage unit 121 and determines whether or not the user has a predetermined bank account (S11).

  When the reception unit 136 determines that the user has a predetermined bank account, the reception unit 136 refers to the deposit / withdrawal history stored in the account information storage unit 122 and specifies the amount that can be transferred to the predetermined bank account. (S12), and transmits an acceptance screen for accepting the amount of movement up to the movable amount to the user terminal 3.

  The user terminal 3 accepts an input of the transfer amount from the user to a predetermined bank account via the reception screen (S13), and the transfer amount is received in response to the receipt button provided on the reception screen being selected. It transmits to the deposit management device 1.

  When the accepting unit 136 of the deposit management apparatus 1 accepts the deposit to the predetermined bank account by receiving the transfer amount, the deposit processing unit 133 deposits the account from the electronic money account to the predetermined bank account. Processing is performed (S14). When the deposit processing is completed, the deposit processing unit 133 transmits deposit completion information to the user terminal 3.

[Effect in the first embodiment]
As described above, the deposit management apparatus 1 according to the first embodiment acquires the deposit amount to the account for electronic money and the telephone number of the user of the deposit destination from the deposit request source, and uses the acquired telephone number. If it is determined that the account number corresponding to the associated user ID is stored in the account information storage unit 122, the deposit amount is deposited into the account with the account number.

  In this way, the deposit requester can easily deposit the user by designating the user's telephone number without designating the user's account number. In addition, for example, when the user has a plurality of accounts, the user specifies the phone number corresponding to the account for electronic money as information indicating the account of the deposit destination to the deposit request source. Deposits from the requester can be centrally managed with an electronic money account. Then, the user can easily deposit money from the account for electronic money to other accounts as necessary.

  If the deposit management device 1 determines that the account number of the electronic money account is stored, the deposit management device 1 notifies the deposit requester that the deposit process has been performed in response to the deposit process being performed. If it is determined that the account number is not stored, error information indicating that the deposit process cannot be performed is notified to the deposit request source. By doing in this way, the payment request origin can grasp | ascertain whether the payment corresponding to a payment request was performed.

  In the first embodiment, the deposit management apparatus 1 notifies the request source terminal 2 of the payment completion information and error information, but may notify other information. For example, the notification unit 134 displays the amount of money received when the user at the deposit destination does not have a predetermined bank account and the user does not have a predetermined bank account at the request source terminal 2. It may be notified that the electronic money cannot be cashed.

  In addition, the acquisition unit 131 acquires the request source identification information, the deposit amount to the account for electronic money, the telephone number of the user of the deposit destination, and the deposit method from the request source terminal 2 of the deposit request source. Furthermore, a part of the user's name (for example, the first two characters) may be acquired. Then, when the user information storage unit 121 stores the telephone number acquired by the acquisition unit 131 and a part of the user name in association with each other, the determination unit 132 stores the user ID associated with the telephone number. And the account number associated with the telephone number in the account information storage unit 122 may be specified. By doing in this way, it can suppress carrying out incorrect payment to the user from whom a payment request origin differs.

<Second Embodiment>
[Allow deposits to other accounts based on the deposit method]
Next, the deposit management apparatus 1 according to the second embodiment will be described. The deposit management device 1 according to the second embodiment is different from the first embodiment in that the deposit to another account is permitted based on the deposit method, and is the same in other points. Hereinafter, a different part from 1st Embodiment is demonstrated. The description of the same parts as those in the first embodiment will be omitted as appropriate.

  In the second embodiment, the accepting unit 136 accepts deposit into an account (another account) different from the account for electronic money, with respect to the deposit amount deposited into the account for electronic money by a predetermined deposit method. Here, in addition to the predetermined bank account that the user has, the other bank account that the user has, the other prepaid card account that the user has, the predetermined bank account that the other user has , Other bank accounts possessed by other users, prepaid card accounts possessed by other users, and other prepaid card accounts possessed by other users.

  The accepting unit 136 refers to the deposit / withdrawal history stored in the account information storage unit 122 and identifies a predetermined deposit method and deposit amount among the deposit methods related to deposit corresponding to the current balance. Here, the predetermined deposit method is, for example, “transfer from another person”. And the reception part 136 receives the payment from the account of electronic money to another account by making the deposit amount linked | related with the said predetermined deposit method into an upper limit.

  For example, in the example of the deposit / withdrawal history shown in FIG. 5, the current balance of 2,500 yen is 1,500 yen out of the deposit amount of 2,000 yen of 2015/5/11 and 2015/5/12 It corresponds to a deposit of 1,000 yen. Here, since the deposit of 2015/5/11 is “transfer from others” as the deposit method, the accepting unit 136 receives 1,500 yen that is a part of the deposit of 2015/5/11. As an upper limit, deposits from an electronic money account to another account are accepted.

  When the accepting unit 136 accepts an operation for depositing an electronic money account into another account from the user terminal 3, as shown in FIG. 10, the accepting screen for accepting the movement of the balance to the other account Is displayed, and the designation of another account and the deposit amount to the other account are accepted. In FIG. 10, it can be confirmed that depositing from an electronic money account to another account is possible with an upper limit of 1,500 yen, which is a part of the deposit amount of 2015/5/11. In FIG. 10, the financial institution name and the telephone number are designated as information indicating other accounts. However, the present invention is not limited to this, and the financial institution name and the account number may be designated. .

  In the present embodiment, the deposit amount received in the electronic money account by the predetermined deposit method is accepted into another account. However, the predetermined deposit method differs depending on the user of the prepaid card. Also good. For example, when a company uses an electronic money service to provide a refund, or an administrative organization provides benefits, these users can use a “transfer charge” or the like to a prepaid card account. Deposit money, and then deposit money to the user of the user terminal 3 from the balance of the account. For this reason, for example, when a company or administrative institution uses an electronic money service, the predetermined deposit method includes other deposit methods such as “transfer charge” in addition to “transfer from another party”. You may be made to do.

[Effects of Second Embodiment]
As described above, the deposit management device 1 according to the second embodiment is different from the account for electronic money in the deposit amount deposited from the user terminal 3 to the account for electronic money by a predetermined deposit method. Accept deposits to your account. By doing in this way, the user of the user terminal 3 can easily deposit the deposit amount deposited by a predetermined deposit method out of the balance of the account for electronic money into another account.

  In addition, since the deposit management device 1 accepts deposits to other accounts limited to the deposit amount deposited by a predetermined deposit method, the business operator of the electronic money service, among the balance of the account for electronic money, Except for electronic money deposited for a specific use, it can be prevented from being transferred to another account. Therefore, the business operator of the electronic money service can regulate the cashing of the electronic money from the electronic money service and increase the usage rate of the electronic money service.

  As mentioned above, although this invention was demonstrated using embodiment, the technical scope of this invention is not limited to the range as described in the said embodiment. It will be apparent to those skilled in the art that various modifications or improvements can be added to the above embodiment. For example, in the above-described embodiment, the deposit management device 1 obtains the user's telephone number from the request source terminal 2, and deposits the account number of the electronic money account corresponding to the telephone number. However, it is not limited to this. For example, the deposit management apparatus 1 may acquire the user ID corresponding to the user from the request source terminal 2 to deposit the account number of the electronic money account corresponding to the user ID. .

  In particular, the specific embodiments of the distribution / integration of the devices are not limited to those illustrated above, and all or a part thereof may be arbitrarily selected according to various additions or according to the functional load. It can be configured to be functionally or physically distributed and integrated in units. For example, in the above-described embodiment, the deposit management apparatus 1 is described as a single apparatus, but the present invention is not limited to this. For example, the deposit management device 1 may include a user information storage unit 121, a contractor management server that stores a bank account, and an electronic money management server that stores an account information storage unit 122. In this case, the contractor management server obtains the request source identification information, the deposit amount to the account for electronic money, the telephone number of the deposit destination user, and the deposit method from the deposit request source, Accept deposits to an electronic money account. Then, when the depositing method indicates depositing to a predetermined bank, the contractor management server performs deposit processing to the predetermined bank account based on the bank account stored therein. Further, when the depositing method indicates depositing into an electronic money account, the contractor management server identifies the user ID with reference to the user information storage unit 121, and identifies the identified user ID and the electronic money By sending deposit request information including the deposit amount to the account to the electronic money management server, a deposit request is made to the electronic money management server.

DESCRIPTION OF SYMBOLS 1 ... Deposit management apparatus, 11 ... Communication part, 12 ... Storage part, 121 ... User information storage part, 122 ... Account information storage part, 13 ... Control part, 131 ...・ Acquisition unit, 132 ... determination unit, 133 ... deposit processing unit, 134 ... notification unit, 135 ... privilege grant unit, 136 ... reception unit, 2 ... request source terminal, 3 ... User terminals

Claims (9)

A user information storage unit that associates and stores telephone numbers of a plurality of users and user identification information for identifying the users;
An account information storage unit that associates and stores the user identification information and an account number of the user's electronic money account;
An acquisition unit that acquires a deposit amount from the deposit request source to the account for electronic money , a deposit method to the account for electronic money, and a telephone number of the user of the deposit destination;
A determination unit for determining whether an account number corresponding to the user identification information associated with the acquired telephone number is stored in the account information storage unit;
When it is determined that the account number is stored, the deposit amount is processed into the account with the account number, and the deposit / withdrawal history in which the deposit amount to the electronic money account is associated with the deposit method. A deposit processing unit for storing information in the storage unit ;
If it is determined that the account number is stored, in response to the deposit process being performed, the deposit request source is notified that the deposit process has been performed, and the account number is not stored. When it is determined, a notification unit that notifies the deposit requester of error information indicating that the deposit process cannot be performed,
With reference to the deposit / withdrawal history information, from the user of the electronic money account, the electronic money account of the deposit amount deposited into the electronic money account by a predetermined deposit method different for each user, and Accepting deposits to other different accounts, and accepting unit for restricting deposits to the other accounts of deposit amounts deposited in the electronic money account by a deposit method different from the predetermined deposit method;
A deposit management device. The user information storage unit stores information indicating whether or not the user has a predetermined bank account in association with the user identification information;
If the user has an account of the predetermined bank, the user further comprises a reception unit for receiving payment from the electronic money account to the account of the predetermined bank,
The deposit processing unit performs deposit processing from the electronic money account to the predetermined bank account in response to receipt of the deposit by the accepting unit.
The deposit management device according to claim 1. The acquisition unit further acquires request source identification information for identifying the deposit request source from the deposit request source,
The deposit processing unit associates the request source identification information with the deposit amount and stores the associated information in a storage unit.
The deposit management device according to claim 2. In the case where the user has an account of the predetermined bank and the deposit is made from the predetermined deposit request source to the account for electronic money, the reception unit is configured to store the predetermined bank of the deposit. Accept deposits into your account,
The deposit management device according to claim 3. The deposit processing unit, when the accepting unit accepts the deposit from the first deposit request source to the account of the predetermined bank, a fee is charged at the time of deposit processing to the account of the predetermined bank. If the accepting unit accepts the deposit from the second deposit request source to the account of the predetermined bank without collecting, a fee is collected at the time of deposit processing to the account of the predetermined bank ,
The deposit management device according to claim 4. The user information storage unit further stores the user's telephone number in association with the user's contact information;
When determining that the account number is stored, the notifying unit confirms that the deposit process has been performed on the contact associated with the acquired telephone number in response to the deposit process being performed. If it is determined that the account number is not stored, the contact is notified of error information indicating that the deposit process cannot be performed.
The deposit management device according to any one of claims 1 to 5 . When determining that the account number is not stored, the notifying unit notifies the contact information associated with the acquired telephone number of guidance information for guiding the procedure for opening the account for electronic money.
The deposit management device according to any one of claims 1 to 6 . In response to detecting that the procedure for opening an account for electronic money has been performed, the device further includes a privilege granting unit that grants a privilege to a user who has performed the opening procedure.
The deposit management device according to claim 7 . Executed by the computer,
Obtaining a deposit amount to an account for electronic money, a deposit method to the account for electronic money, and a telephone number of the user of the deposit destination from a deposit request source;
The account number corresponding to the user identification information associated with the acquired telephone number is stored in the account information storage unit that stores the user identification information for identifying the user in association with the account number of the electronic money account. Determining whether it is stored;
When it is determined that the account number is stored, the deposit amount is processed into the account with the account number, and the deposit / withdrawal history in which the deposit amount to the electronic money account is associated with the deposit method. Storing information in a storage unit ;
If it is determined that the account number is stored, in response to the deposit process being performed, the deposit request source is notified that the deposit process has been performed, and the account number is not stored. If it is determined, a step of notifying the deposit requester of error information indicating that the deposit process cannot be performed;
With reference to the deposit / withdrawal history information, from the user of the electronic money account, the electronic money account of the deposit amount deposited into the electronic money account by a predetermined deposit method different for each user, and Accepting deposits to different other accounts, and limiting deposits to the other accounts of deposits deposited in the electronic money account by a deposit method different from the predetermined deposit method;
A deposit management method comprising:

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