JP6392711B2 - Management apparatus and management method - Google Patents

Description

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

  2. Description of the Related Art Conventionally, it has been made possible for a user to view usage details of a card such as a prepaid card via a network. For example, Patent Document 1 discloses a detail display device that displays on a user's terminal a usage statement including a card usage date, a store name, and a usage amount via a network.

JP 2003-208557 A

  By the way, an account for electronic money, such as a prepaid card, is deposited by the user himself or by a third party. When a third party deposits money, the third party may want to confirm whether or not the user has properly used the deposited amount. However, in the conventional statement display device, it is not assumed that the withdrawal history is disclosed to a third party, and the third party confirms the withdrawal history of the account for electronic money deposited by the third party. I couldn't.

  Therefore, the present invention has been made in view of these points, and a management device that allows a third party who has deposited money to a user's electronic money account to check the withdrawal history of the electronic money account, and The purpose is to provide a management method.

  The management device according to the first aspect of the present invention includes a storage unit that stores a plurality of user telephone numbers or user identification information that identifies the users and an account number of an account for the electronic money of the users in association with each other. , An acquisition unit for acquiring the deposit amount from the deposit request source to the account for electronic money and the telephone number or user identification information of the user of the deposit destination, and the telephone number or user identification information of the user of the deposit destination Associating a deposit processing unit that performs a deposit process for depositing the deposit amount, an account of the associated account number, a telephone number or user identification information of the user of the deposit destination, and information indicating the deposit request source And storing the telephone number or user identification information, the withdrawal amount from the electronic money account, and the usage corresponding to the withdrawal amount in association with the storage unit. When the acquisition request for the withdrawal history corresponding to the account for electronic money is acquired, including the storage control unit to be stored in the storage control unit and the deposit requesting user's telephone number or user identification information, the user A notifying unit for notifying the deposit requester of a withdrawal history in which the usage corresponding to the telephone number or the user identification information is associated with the withdrawal amount.

The notification unit may notify the deposit requester of the withdrawal history in which a predetermined usage is associated with a withdrawal amount corresponding to the predetermined usage.
The acquisition unit acquires region information indicating a region where electronic money corresponding to the deposit amount can be used, and the deposit processing unit deposits the deposit amount in association with the region information acquired by the acquisition unit. The depositing process is performed, and the management device identifies a region where withdrawal is performed when withdrawing from the electronic money account, and performs a withdrawal process that prioritizes electronic money that can be used in the region. You may further provide the payment processing part to perform.

  The acquisition unit acquires region information indicating a region where electronic money corresponding to the deposit amount can be used, and the deposit processing unit deposits the deposit amount in association with the region information acquired by the acquisition unit. The depositing process is performed, and the management device identifies a region where the withdrawal is performed when withdrawing from the electronic money account, and changes the value of the electronic money corresponding to the deposit amount associated with the region. Then, a withdrawal processing unit that performs withdrawal processing to withdraw money may be further provided.

  The acquisition unit acquires store information indicating a store where electronic money corresponding to the deposit amount can be used, and the deposit processing unit associates the deposit amount with the store information acquired by the acquisition unit. The depositing process for depositing the deposit amount is performed, and the management device identifies a store where the withdrawal is performed when withdrawing from the electronic money, and withdraws giving priority to the electronic money usable in the store. You may further provide the payment processing part which performs gold processing.

The deposit processing unit may perform the deposit process of depositing the deposit amount acquired from the deposit request source in response to accepting permission of disclosure of the withdrawal history to the deposit request source from the user. Good.
The storage control unit stores the withdrawal amount, a usage corresponding to the withdrawal amount, and information indicating the deposit request source corresponding to the withdrawal amount in the storage unit, and the notification unit includes: In the storage unit, the withdrawal requester may be notified of the withdrawal history associated with the withdrawal amount associated with the information indicating the deposit requester and the usage.

  The notifying unit associates a withdrawal amount associated with the information indicating the deposit request source with a use application when a total of the withdrawal amounts associated with the information indicating the deposit request source is a predetermined amount or more. The withdrawal history may be notified to the deposit request source.

  The management method according to the second aspect of the present invention is the computer-executed amount of money received from the deposit request source to the account for electronic money, the telephone number of the user of the deposit destination, or the user identification that identifies the user A storage unit that associates and stores telephone numbers or user identification information of a plurality of users and an account number of the electronic money account, and acquires the telephone numbers or user identifications of the depositee user. A step of depositing the deposit amount to the account with the account number associated with the information, associating the telephone number or user identification information of the user of the deposit destination, and information indicating the deposit request source And storing the phone number or user identification information, the withdrawal amount from the electronic money account, and the usage corresponding to the withdrawal amount And storing in the storage unit, and from the deposit request source, a request for acquiring a withdrawal history corresponding to the electronic money account, including the telephone number or user identification information of the deposit destination user. If acquired, a step of notifying the deposit requester of a withdrawal history in which a usage corresponding to the user's telephone number or user identification information is associated with the withdrawal amount is provided.

  According to the present invention, there is an effect that it is possible to make a third party who has made a deposit into the user's electronic money account check the withdrawal history of the electronic money account.

It is a figure which shows the outline | summary of the management apparatus which concerns on 1st Embodiment. It is a figure which shows the structure of the 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 which concerns on 1st Embodiment. It is a figure which shows an example of the deposit / withdrawal log | history which concerns on 1st Embodiment. It is a figure which shows an example of a payment screen and a confirmation screen. It is a figure which shows an example of a reception screen. It is a figure which shows an example of a payment history confirmation screen. It is a sequence diagram which shows the flow of the process which concerns on the deposit or withdrawal to the account of electronic money. It is a sequence diagram which shows the flow of the process which concerns on the acquisition request | requirement of the withdrawal history from a payment request origin. It is a figure which shows an example of the information memorize | stored in the account information storage part which concerns on 2nd Embodiment. It is a figure which shows an example of balance breakdown information. It is a figure which shows an example of a payment setting screen. It is a figure which shows an example of the deposit / withdrawal log | history which concerns on 3rd Embodiment.

<First Embodiment>
[Outline of Management Device 1]
FIG. 1 is a diagram illustrating an overview of a management apparatus 1 according to the first embodiment.
The management device 1 is a device that provides an electronic money service using a prepaid card 4 that can be used in an actual store or a store on the Internet, and manages the electronic money corresponding to the prepaid card 4. The prepaid card 4 is a card that performs payment using an international brand payment NW (network) 5.

  The management apparatus 1 receives a user ID for identifying the user of the deposit destination or a user ID for identifying the user and an account for the user's electronic money from the request source terminal 2 such as a personal computer or a smartphone used by the deposit requester. A deposit request including information indicating the amount is received ((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 addition, although illustration is abbreviate | omitted, when a user himself pays in, it shall accept a payment request from user terminals 3, such as a smart phone.

The management device 1 identifies the user's electronic money account corresponding to the telephone number or user ID specified in the deposit request, and performs a deposit process on the account ((2) in FIG. 1).
In this way, the deposit requester can easily deposit the user by designating the user's telephone number or user ID without designating the user's account number.

A user purchases a product using a prepaid card 4 at a store or the like, or operates the user terminal 3 to specify an account number of an electronic money account corresponding to the prepaid card 4 in online shopping. And so on. When a product or the like is purchased, the settlement NW 5 is notified of information related to the product purchase such as the account number and withdrawal amount of the electronic money account corresponding to the prepaid card 4. When a predetermined settlement process is performed in the settlement NW5, the settlement NW5 notifies the management apparatus 1 of information such as an account number and a withdrawal amount ((3) in FIG. 1).
The management device 1 updates the balance of the user's account for electronic money based on the notified information such as the account number and the withdrawal amount ((4) in FIG. 1).

  The deposit requester may want to grasp how the user uses the electronic money deposited by himself / herself. In response to this, the request source terminal 2 sends the telephone number or user ID of the user of the deposit destination and request source identification information for identifying the deposit request source in response to the operation of the deposit request source. A withdrawal history acquisition request is transmitted ((5) in FIG. 1).

  Upon receiving the withdrawal history acquisition request, the management device 1 identifies the account for electronic money of the user at the deposit destination based on the telephone number or the user ID included in the request, and withdraws the account The history is notified to the request source terminal 2 ((6) in FIG. 1).

  By doing in this way, the deposit requester who has deposited into the user's electronic money account confirms the withdrawal history of the account, and whether or not the user appropriately uses the electronic money deposited by the deposit requester. I can understand.

[Configuration of Management Device 1]
Next, the configuration of the management device 1 will be described. FIG. 2 is a diagram illustrating a configuration of the management apparatus 1 according to the first embodiment. The 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 plurality of user telephone numbers or user IDs in association with the account numbers of the user's electronic money accounts. Specifically, the storage unit 12 includes a user information storage unit 121 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 illustrated in FIG. 3, the user information storage unit 121 stores a user ID, a user name, a user telephone number, and a user contact information 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.

  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 a number of a predetermined number of digits attached to the prepaid card 4 in order to identify the prepaid card 4, for example. When the account number associated with the user ID is “−”, it indicates that the user with the user ID does not have the prepaid card 4.

  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 when deposit / withdrawal was performed, deposit / withdrawal category, deposit / withdrawal amount, request source identification information for identifying the deposit request source, usage of withdrawal / withdrawal, and Is associated with a balance. These pieces of information are stored by the storage control unit 133 described later.

  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 2015/5/9, 2015/5/10, and 2015/5/12, but each withdrawal is made on 2015/5/9. It shall be allocated from the amount received. The management device 1 stores the balance of electronic money for each deposit, and when the electronic money is withdrawn, the current balance is subtracted from the balance corresponding to the deposit to which the withdrawal is assigned, 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 management apparatus 1 by executing various programs stored in the storage unit 12.
The control unit 13 includes an acquisition unit 131, a deposit processing unit 132, a storage control unit 133, a withdrawal processing unit 134, and a notification unit 135.

  The acquisition unit 131 acquires the request source identification information, the deposit amount to the electronic money account, and the telephone number or user ID of the deposit destination user 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, an input field for the telephone number or user ID of the user at the deposit destination, an input field for the deposit amount, and a confirmation button displayed as “Next” are provided. When the confirmation button is selected in a state where the telephone number or the user ID and the deposit amount are input, 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 and the telephone number or user ID of the user of the deposit destination are acquired.

  The deposit processing unit 132 performs deposit processing for depositing the deposit amount acquired by the acquisition unit 131 into the account of the electronic money account number associated with the telephone number or user ID of the user of the deposit destination acquired by the acquisition unit 131. Do.

  Specifically, when the acquisition unit 131 acquires a telephone number, the deposit processing unit 132 specifies a user ID associated with the telephone number in the user information storage unit 121. The deposit processing unit 132 refers to the account information storage unit 122 and determines whether there is an account number associated with the user ID acquired by the acquiring unit 131 or the user ID specified from the telephone number. When determining that the user account number is stored, the deposit processing unit 132 specifies the user name associated with the acquired telephone number in the user information storage unit 121. Subsequently, as shown in FIG. 6B, the deposit processing unit 132 displays a confirmation screen including the input telephone number or user ID, the input deposit amount, and the specified user name. To display.

  When the user of the request source terminal 2 selects the deposit button displayed as “deposit” on the confirmation screen, the request source terminal 2 transmits to the management device 1 the deposit instruction information that instructs the deposit to the deposit destination. Upon receipt of the deposit instruction information, the deposit processing unit 132 increases the balance associated with the user's account number by the deposit amount acquired by the acquiring unit 131 in the account information storage unit 122.

  The deposit processing unit 132 performs a deposit process for depositing the deposit amount acquired from the deposit request source in response to accepting permission from the user of the user terminal 3 to disclose the withdrawal history to the deposit request source. May be.

  For example, when receiving the deposit instruction information, the deposit processing unit 132 causes the user terminal 3 to display a reception screen for accepting permission to disclose the withdrawal history to the deposit request source as shown in FIG. In the reception screen shown in FIG. 7, a reception button displayed as “accept” and a rejection button displayed as “not received” are displayed, and the user terminal 3 indicates that the reception button has been selected. In response, the acceptance information is transmitted to the management apparatus 1, and the rejection information is transmitted to the management apparatus 1 in response to selection of the rejection button.

In response to receiving the reception information, the deposit processing unit 132 deposits the deposit amount acquired from the deposit request source, and transmits deposit completion information indicating that the deposit is completed to the request source terminal 2. By doing in this way, the payment request origin can deposit only to the user who agreed to the disclosure of the withdrawal history.
In response to receiving the refusal information, the deposit processing unit 132 sends error information to the request source terminal 2 indicating that the withdrawal history has been rejected and no deposit has been performed without performing the deposit process. Send.

  Further, the deposit processing unit 132 may notify the user's contact information of error information when the account number of the user's electronic money account is not stored in the account information storage unit 122. Here, the deposit processing unit 132 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 deposit requester can save the user from notifying the user that the deposit cannot be made.

  The storage control unit 133 causes the storage unit 12 to store the telephone number or the user ID of the user who is the deposit destination and information indicating the deposit request source in association with each other. Specifically, the storage control unit 133 stores the deposit / withdrawal history in which the deposit date, deposit / withdrawal classification “deposit”, deposit amount, request source identification information for identifying the deposit request source, and balance after deposit is associated. Is stored in the account information storage unit 122. Since the account information storage unit 122 stores the user ID associated with the telephone number, the account information storage unit 122 stores the deposit / withdrawal history including the requester identification information, so that The user's telephone number or user ID is associated with information indicating the deposit request source.

  In accordance with the use of the prepaid card 4 at the time of purchase of a product or the like by the user, the withdrawal processing unit 134 receives the account number, purchase amount (withdrawal amount), purchase date (withdrawal date), purchased product from the settlement NW5. The payment information including the identification information, the purchased store identification information, and the like is received. When the withdrawal processing unit 134 receives the settlement information, the withdrawal processing unit 134 performs a withdrawal process for subtracting the withdrawal amount included in the settlement information from the balance associated with the account number in the account information storage unit 122.

  The storage control unit 133 stores the withdrawal user's telephone number or user ID, the amount of money from the electronic money account, and the usage corresponding to the amount of money to be stored in the storage unit 12. Specifically, the storage control unit 133 specifies a usage application corresponding to the withdrawal amount based on the identification information of the purchased product included in the payment information. For example, the storage unit 12 associates the product identification information and the information indicating the usage purpose as the usage information, and the storage control unit 133 associates the product usage information with the purchased product identification information. Identify the intended use.

  The storage unit 12 stores store identification information and use usage information in association with each other and stores them as usage information, and the storage control unit 133 uses the corresponding store identification information included in the payment information. You may make it specify a use. In addition, the storage control unit 133 may specify the usage purpose based on the store identification information when the usage purpose cannot be specified based on the product identification information.

  The storage control unit 133 causes the account information storage unit 122 to store a deposit / withdrawal history in which a withdrawal date, a withdrawal amount, a deposit / withdrawal category “withdrawal”, a usage, and a balance after withdrawal are associated with each other. Since the account information storage unit 122 stores the user ID associated with the telephone number, the account information storage unit 122 stores the deposit / withdrawal history including the withdrawal amount and the usage purpose. The telephone number or user ID of the user corresponding to the process, the amount to be withdrawn, and the usage are associated.

  The notification unit 135 receives a request for acquiring a withdrawal history corresponding to an account for electronic money, including the telephone number or user ID of the user of the deposit destination and the request source identification information from the request source terminal 2 of the deposit request source. Upon acquisition, the request source terminal 2 is notified of the withdrawal history in which the usage corresponding to the user's telephone number or user ID is associated with the withdrawal amount.

  Specifically, when the phone number is included in the withdrawal history acquisition request, the notification unit 135 specifies the user ID associated with the phone number in the user information storage unit 121. The notification unit 135 refers to the account information storage unit 122 and identifies the user ID included in the withdrawal history acquisition request or the account number associated with the user ID identified from the telephone number. And the notification part 135 determines whether there was any payment from the deposit request origin with respect to the account of the specified account number based on the request origin identification information contained in the acquisition request | requirement of withdrawal history. When there is a deposit from the deposit request source, the notification unit 135 refers to the account information storage unit 122, extracts a withdrawal history corresponding to the identified account number, and uses the withdrawal history as the request source terminal 2. Notify FIG. 8 is a diagram illustrating an example of a withdrawal history confirmation screen displayed on the request source terminal 2. The deposit requester can confirm the withdrawal history displayed on the withdrawal history confirmation screen, and can determine whether or not the user appropriately uses the electronic money deposited by himself / herself.

  The withdrawal history includes withdrawals that are necessary for a minimum life, such as food expenses and daily necessities, and withdrawals that are not essential for a minimum life, such as entertainment expenses and social expenses. ing. Therefore, the notification unit 135 makes the withdrawal corresponding to the usage necessary for the minimum life undisclosed in order to relate to privacy, and the usage that is not essential for the minimum life such as entertainment expenses and social expenses. The withdrawal corresponding to can be made public. Specifically, the notification unit 135 includes a predetermined usage (for example, amusement expenses and compensatory expenses) and a withdrawal amount corresponding to the predetermined usage in the withdrawal history corresponding to the specified account number. The requesting terminal 2 may be notified of the associated withdrawal history. By doing so, the deposit requester can confirm withdrawal with respect to a predetermined usage, and can determine whether or not the electronic money deposited by himself / herself is being used appropriately.

  In addition, the withdrawal history may include withdrawals that are considered inappropriate due to the large amount of withdrawals even if the intended use is withdrawals required for living such as food expenses and daily necessities. There is. For this reason, even when the information indicating the contact address corresponding to the request source terminal 2 is stored in the storage unit 12 and the notification unit 135 does not acquire the withdrawal history acquisition request, When the withdrawal amount exceeds the predetermined amount, the withdrawal history corresponding to the withdrawal may be notified to the contact of the request source terminal 2. In this case, the notification unit 135 may notify the contact of the request source terminal 2 even if the withdrawal does not correspond to a predetermined usage.

[Flow of processing related to depositing / withdrawing to / from electronic money account]
Next, the flow of processing in the management apparatus 1 will be described. First, the flow of processing related to deposit / withdrawal to / from an electronic money account will be described. FIG. 9 is a sequence diagram showing a flow of processing relating to deposit / withdrawal to / from an electronic money account. In this sequence, it is assumed that the deposit request source is not the user himself.

First, the acquisition unit 131 receives a payment request including a telephone number or a user ID, a deposit amount, and request source identification information from the request source terminal 2.
Subsequently, when the deposit request includes a telephone number, the deposit processing unit 132 refers to the user information storage unit 121 and identifies the user ID associated with the telephone number (S1). If the deposit request includes a user ID instead of a telephone number, the deposit processing unit 132 acquires the user ID.

Subsequently, the deposit processing unit 132 refers to the account information storage unit 122, identifies the acquired user ID or the account information for the electronic money of the user associated with the identified user ID, and is associated with the account number. A deposit process is performed to increase the remaining balance by the deposit amount acquired by the acquisition unit 131 (S2).
Subsequently, the storage control unit 133 stores information indicating the deposit history in the deposit / withdrawal history of the account information storage unit 122 (S3). Subsequently, the notification unit 135 transmits deposit completion information indicating that the deposit process has been completed to the request source terminal 2 and the user terminal 3.

  Subsequently, the withdrawal processing unit 134 receives settlement information including an account number and a withdrawal amount from the settlement NW5. In response to receiving the payment information, the withdrawal processing unit 134 performs a withdrawal process in the account information storage unit 122 to subtract the notified purchase amount from the balance associated with the account number (S4). ). Subsequently, the storage control unit 133 stores information indicating the withdrawal history in the deposit / withdrawal history of the account information storage unit 122 (S5).

  In the above-described sequence, an example in which each of the depositing process and the dispensing process is performed once has been described, but the depositing process and the dispensing process may be performed a plurality of times. Further, the order of processing of the deposit process and the withdrawal process is not limited to that shown in the above sequence. For example, when there is an account balance, the withdrawal process may be performed before the deposit process.

[Flow of processing related to withdrawal history reference]
Next, the flow of processing related to reference to the withdrawal history from the deposit request source will be described. FIG. 10 is a sequence diagram showing a flow of processing related to a withdrawal history acquisition request from a deposit request source.

First, the notification unit 135 acquires, from the request source terminal 2, a request for acquiring a withdrawal history corresponding to an account for electronic money, including the telephone number or user ID of the user of the deposit destination and the request source identification information. .
Subsequently, when the phone number is included in the withdrawal history acquisition request, the notification unit 135 specifies the user ID associated with the phone number in the user information storage unit 121 (S11). When the user ID is included in the withdrawal history acquisition request, the notification unit 135 acquires the user ID.

  Subsequently, the notification unit 135 refers to the account information storage unit 122 and specifies the acquired user ID or the account number associated with the specified user ID (S12). Then, the notification unit 135 determines whether there is a deposit history from the deposit request source for the account with the specified account number based on the request source identification information included in the withdrawal history acquisition request. (S13).

When there is no deposit history, the notification unit 135 notifies the request source terminal 2 of error information indicating that there is no deposit history and the withdrawal history cannot be disclosed.
When there is a deposit history, the notification unit 135 refers to the account information storage unit 122 and extracts a withdrawal history corresponding to the identified account number (S14). The notification unit 135 notifies the requesting terminal 2 of the extracted withdrawal history.

[Effect in the first embodiment]
As described above, when the management apparatus 1 according to the first embodiment obtains the deposit amount to the account for electronic money and the telephone number or user ID of the deposit destination user from the deposit request source, the telephone number Alternatively, a deposit process for depositing the deposit amount into the account with the account number associated with the user ID is performed, and the deposit request source includes the telephone number or user ID of the deposit destination user, and corresponds to the account for electronic money. When the withdrawal history acquisition request is acquired, the withdrawal request source is notified of the withdrawal history in which the usage corresponding to the telephone number or user ID of the user and the withdrawal amount are associated.

  By doing so, the deposit requester who has deposited into the user's account for electronic money checks the withdrawal history of the account for electronic money, and whether the user appropriately uses the electronic money deposited by himself / herself It is possible to grasp whether or not.

  In the first embodiment, the acquisition unit 131 of the management apparatus 1 receives the request source identification information, the deposit amount into the account for electronic money, and the deposit destination user's account from the request source terminal 2 of the deposit request source. Although the telephone number or the user ID has been acquired, a part of the user name (for example, the first two characters) may be acquired. Then, when the deposit processing unit 132 stores the telephone number or user ID acquired by the acquiring unit 131 in association with a part of the user's name in the user information storing unit 121, the account information storing unit In 122, an account number associated with the user ID may be specified. By doing in this way, it can prevent improper payment to the user from whom a payment request origin differs.

<Second Embodiment>
[Providing preferential electronic money in the area specified by the deposit requester]
Next, the management device 1 according to the second embodiment will be described. The second embodiment is different from the first embodiment in that electronic money that is preferentially provided in an area designated by the deposit requester, 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 acquisition unit 131 receives the request source identification information, the deposit amount to the account for electronic money, the telephone number or user ID of the deposit destination user from the request source terminal 2 of the deposit request source. And region information indicating a region where the electronic money corresponding to the deposit amount can be used. For example, the deposit screen shown in FIG. 6 (a) is provided with an area reception column for arbitrarily accepting the name of the prefecture and city where the electronic money can be used, and the acquisition unit 131 receives the electronic reception via the area reception column. Get regions where money can be used. The regional information is not limited to information indicating the prefecture name or city, but may be range information composed of a plurality of latitude information and longitude information.

  The deposit processing unit 132 performs a deposit process for depositing the deposit amount acquired by the acquiring unit 131 in association with the regional information acquired by the acquiring unit 131. More specifically, the account information storage unit 122 of the second embodiment includes balance breakdown information as shown in FIG. 11, and the deposit processing unit 132 performs FIG. As shown, the payment date, the requester identification information, the regional information, and the balance are stored in association with each other.

  The withdrawal processing unit 134 identifies a region where withdrawal is performed when withdrawing from an account for electronic money, and performs a withdrawal process that preferentially withdraws electronic money that can be used in the region. Specifically, the store identification information and the area information indicating the area are associated and stored in the storage unit 12, and the withdrawal processing unit 134 refers to the storage unit 12 and receives the payment information received from the payment NW5. The area associated with the identification information of the purchased store included in is identified as the area where the payment was made. The withdrawal processing unit 134 refers to the balance breakdown information and identifies the balance corresponding to the identified region. For example, in the case where the withdrawal processing unit 134 performs the withdrawal processing based on the balance breakdown information shown in FIG. 12, if the area where the settlement is performed is identified as “A city”, “A city” is the regional information. Subtract the withdrawal amount from the specified balance.

  Note that the withdrawal processing unit 134 may make it possible to use electronic money corresponding to the deposit amount associated with the specified region even in a region different from the region. In this case, the withdrawal processing unit 134 may perform a withdrawal process for changing the value of the electronic money corresponding to the deposit amount associated with the specified region and withdrawing money. For example, consider a case where the area where the settlement is made is specified as “A city” and the amount to be withdrawn is subtracted from the balance in which “A city” is specified as the area information. In this case, the withdrawal processing unit 134 increases the value of the balance in which “A city” is specified as the regional information, and the amount less than the withdrawal amount (for example, the amount obtained by subtracting a predetermined percentage from the withdrawal amount) The information is subtracted from the balance in which “A city” is designated.

  In addition, the withdrawal processing unit 134 does not change the value of the electronic money when the electronic money corresponding to the deposit amount associated with the specified region is withdrawn in a region different from the region. Processing may be performed, or withdrawal processing may be performed by reducing the value of electronic money.

[Effects of Second Embodiment]
As described above, the management apparatus 1 according to the second embodiment acquires the region information indicating the region where the electronic money can be used from the request source terminal 2, and performs the deposit process of depositing the deposit amount in association with the region information. The region where the withdrawal is performed when the withdrawal from the account for electronic money is performed is specified, and the electronic money that can be used in the region is preferentially withdrawn. By doing in this way, the management apparatus 1 can use the electronic money deposited by the deposit requester in an area designated by the deposit requester.

  In addition, the management device 1 identifies a region where withdrawals are made when withdrawing from an electronic money account, changes the value of the electronic money corresponding to the deposit amount associated with the region, and withdraws money. Perform a withdrawal process. For example, by performing the withdrawal process by increasing the value of the electronic money corresponding to the deposit amount associated with the specified region, the management device 1 sends the electronic money deposited by the deposit requester to the user. It can be used actively in the area specified by the client.

  In the second embodiment, the management device 1 specifies an area where withdrawal is performed when withdrawing from an electronic money account, and withdraws with priority on electronic money that can be used in the area. Not limited to this. For example, the management apparatus 1 acquires store information indicating a store where electronic money corresponding to the deposit amount can be used, specifies a store where withdrawal is performed when withdrawing money from the electronic money, and can be used in the store Electronic money may be withdrawn with priority.

In this case, the acquisition unit 131 acquires store information indicating a store where the electronic money corresponding to the deposit amount can be used, and the deposit processing unit 132 associates the deposit amount with the store information acquired by the acquisition unit 131. The deposit process to deposit the deposit amount. Then, the withdrawal processing unit 134 specifies a store where the withdrawal is performed at the time of withdrawal from the electronic money, and performs a withdrawal process that prioritizes the electronic money that can be used in the store.
By doing in this way, the payment requester can make the user use the amount of money deposited by himself / herself at the store designated by himself / herself.

<Third Embodiment>
[Notify the deposit requester of the withdrawal history associated with the withdrawal amount associated with the information indicating the deposit request source and the usage]
Next, the management device 1 according to the third embodiment will be described. The third embodiment is different from the first embodiment in that a withdrawal history associated with a withdrawal amount associated with information indicating a deposit request source and a usage is notified to the deposit request source. The point is the same.

In the management apparatus 1 according to the third embodiment, the account information storage unit 122 stores balance breakdown information as in the second embodiment.
In the third embodiment, the storage control unit 133 displays a withdrawal setting screen for setting the priority order of balances to be allocated when withdrawing in response to accepting a withdrawal setting operation from the user terminal 3. 3 is received, and the priority order of balances to be assigned when withdrawing money is received.

FIG. 13 is a diagram illustrating an example of a withdrawal setting screen. As shown in FIG. 13, the withdrawal setting screen displays the priority order of balances to be allocated to withdrawals, the deposit request source corresponding to the user's electronic money, and the balance, and an upward arrow is shown. The changed priority order button is displayed. When the user of the user terminal 3 selects the priority change button, the user terminal 3 switches the order of the balance corresponding to the button and the balance one rank higher than the rank. Then, the user terminal 3 transmits to the management apparatus 1 the user ID and information indicating the priority order of each balance after the order has been changed.
The management apparatus 1 associates information indicating the priority order of each balance with the user ID, and stores it in the storage unit 12 as priority order information.

  The withdrawal processing unit 134 performs withdrawal processing for withdrawing from the balance with the highest priority based on the priority order information at the time of withdrawal from the electronic money account. Specifically, when performing the withdrawal process based on the balance breakdown information, the withdrawal processing unit 134 identifies a balance with the highest priority and subtracts the withdrawal amount from the balance.

  As shown in FIG. 14, the storage control unit 133 displays a withdrawal date, a withdrawal amount, a withdrawal / withdrawal category “withdrawal”, a usage corresponding to the withdrawal amount, and a deposit request source corresponding to the withdrawal amount. And the balance after withdrawal are stored in the deposit / withdrawal history of the account information storage unit 122 in association with each other. The information indicating the payment request source is request source identification information associated with the balance having the highest priority in the balance breakdown information.

  When the notification unit 135 obtains a withdrawal history acquisition request corresponding to an account for electronic money, including the telephone number or user ID of the user of the deposit destination and the request source identification information from the request source terminal 2, In the information storage unit 122, the withdrawal requester is notified of the withdrawal history associated with the withdrawal amount associated with the requester identification information and the usage.

  Further, the request source identification information and the information indicating the contact address corresponding to the request source terminal 2 are stored in the storage unit 12 in association with each other, and the notification unit 135 makes a withdrawal amount associated with the request source identification information. If the total of the payment amount is equal to or greater than a predetermined amount, the withdrawal history associated with the withdrawal amount associated with the requester identification information and the usage may be notified to the contact of the deposit requester.

[Effect in the third embodiment]
As described above, the management apparatus 1 according to the third embodiment notifies the deposit request source of the withdrawal history associated with the withdrawal amount associated with the request source identification information of the deposit request source and the usage. . By doing in this way, the management apparatus 1 can ensure that the user's privacy is not disclosed about the withdrawal history corresponding to the deposit amount deposited by the user himself / herself who has an account for electronic money.

  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. 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 added in arbitrary units according to various additions or according to functional loads. It can be configured functionally or physically distributed and integrated. For example, in the above-described embodiment, the management apparatus 1 is described as a single apparatus, but the present invention is not limited to this. For example, the management apparatus 1 may include a contractor management server that stores the user information storage unit 121 and an electronic money management server that stores the 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, and the telephone number or user ID of the deposit destination user from the deposit request source, thereby obtaining the electronic Accept deposits to money accounts. Then, the contractor management server sends a deposit request to the electronic money management server by transmitting deposit request information including the user ID and the deposit amount to the account for electronic money to the electronic money management server.

DESCRIPTION OF SYMBOLS 1 ... 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 ... deposit processing unit, 133 ... storage control unit, 134 ... withdrawal processing unit, 135 ... notification unit, 2 ... requesting terminal, 3 ... user terminal, 4 ... Prepaid card, 5 ... Payment NW

Claims (9)

A storage unit that associates and stores telephone numbers of a plurality of users or user identification information for identifying the users, 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 electronic money account and a telephone number or user identification information of the deposit destination user;
A deposit processing unit for depositing the deposit amount into the account of the account number associated with the telephone number or user identification information of the user at the deposit destination;
The telephone number or user identification information of the user at the deposit destination and the information indicating the deposit request source are associated with each other and stored in the storage unit, and the telephone number or the user identification information and the electronic money account A storage control unit for associating a withdrawal amount with a usage corresponding to the withdrawal amount and storing the withdrawal amount in the storage unit;
When acquiring the withdrawal history acquisition request corresponding to the account for electronic money, including the telephone number or user identification information of the user of the deposit destination from the deposit request source, the telephone number or user identification information of the user A notification unit for notifying the deposit requester of a withdrawal history that associates the corresponding usage and withdrawal amount;
A management device comprising: The notifying unit notifies the deposit request source of the withdrawal history that associates a predetermined usage and a withdrawal amount corresponding to the predetermined usage;
The management apparatus according to claim 1. The acquisition unit acquires region information indicating a region where electronic money corresponding to the deposit amount can be used;
The deposit processing unit performs a deposit process of depositing the deposit amount in association with the regional information acquired by the acquiring unit,
Further comprising a withdrawal processing unit that identifies a region where withdrawal is performed when withdrawing from the electronic money account, and performs a withdrawal process that preferentially withdraws electronic money that can be used in the region;
The management device according to claim 1 or 2. The acquisition unit acquires region information indicating a region where electronic money corresponding to the deposit amount can be used;
The deposit processing unit performs a deposit process of depositing the deposit amount in association with the regional information acquired by the acquiring unit,
Specify the region where withdrawals are made when withdrawing from the electronic money account, and perform withdrawal processing to change the value of the electronic money corresponding to the deposit amount associated with the region and withdraw Further comprising a withdrawal processing unit,
The management device according to claim 1 or 2. The acquisition unit acquires store information indicating a store where electronic money corresponding to the deposit amount can be used;
The deposit processing unit performs a deposit process of depositing the deposit amount in association with the deposit amount and the store information acquired by the acquisition unit,
Further comprising a withdrawal processing unit that identifies a store where withdrawal is performed when withdrawing from the electronic money, and performs a withdrawal process that preferentially dispenses electronic money that can be used in the store;
The management device according to claim 1 or 2. The deposit processing unit performs the deposit processing for depositing the deposit amount acquired from the deposit request source in response to accepting permission for disclosure of the withdrawal history to the deposit request source from the user.
The management apparatus of any one of Claim 1 to 5. The storage control unit stores the withdrawal amount, a usage corresponding to the withdrawal amount, and information indicating the deposit request source corresponding to the withdrawal amount in the storage unit,
The notifying unit notifies the deposit request source of the withdrawal history associated with the withdrawal amount associated with the information indicating the deposit request source and the usage in the storage unit;
The management device according to any one of claims 1 to 6. The notifying unit associates a withdrawal amount associated with the information indicating the deposit request source with a use application when a total of the withdrawal amounts associated with the information indicating the deposit request source is a predetermined amount or more. Notify the withdrawal requester of the withdrawal history,
The management device according to claim 7. Executed by the computer,
Obtaining a deposit amount from the deposit request source to an account for electronic money and a user identification information for identifying the user's telephone number or the deposit destination;
The account associated with the telephone number or user identification information of the user at the deposit destination in a storage unit that stores the telephone number or user identification information of a plurality of users in association with the account number of the electronic money account Performing a deposit process for depositing the deposit amount into an account of a number;
The telephone number or user identification information of the user at the deposit destination and the information indicating the deposit request source are associated with each other and stored in the storage unit, and the telephone number or the user identification information and the electronic money account A step of associating a withdrawal amount and a usage corresponding to the withdrawal amount in the storage unit;
When acquiring the withdrawal history acquisition request corresponding to the account for electronic money, including the telephone number or user identification information of the user of the deposit destination from the deposit request source, the telephone number or user identification information of the user A step of notifying the deposit requester of a withdrawal history that associates the corresponding usage and withdrawal amount;
A management method comprising:

Images