JP6559933B2 - Remittance control system, remittance control method, and program - Google Patents

Description

  The present invention relates to a remittance control system, a remittance control method, and a program.

  Conventionally, a technique for transferring money to a recipient designated by a sender is known. In Patent Document 1, if the payee has registered a bank account, the remittance process is executed as it is. If the payee has not registered the bank account, the remittance process is waited until the payee registers the bank account. The system to be described is described.

International Publication No. WO2006 / 054503

  However, in the technique of Patent Document 1, since the remittance process is automatically executed as long as the recipient's bank account is registered, the convenience of the remittance or the recipient cannot be sufficiently improved. For example, if the sender makes a mistake in the amount of money to be sent, a refund or additional remittance is required, or if the sender makes a mistake in the recipient, In such a remittance process, the sender or recipient may feel inconvenienced.

  An object of the present invention is to provide a remittance control system, a remittance control method, and a program capable of improving the convenience of a remittance person or a recipient.

  In order to solve the above-mentioned problem, a remittance control system according to the present invention provides a remittance information receiving means for receiving payee information of a payee who receives the remittance from a remittance device, and a remittance based on the payee information. Remittance information recording means for acquiring remittance information indicating the contents and recording the remittance information in the remittance information storage means, and inquiry information transmitting means for transmitting inquiry information indicating whether or not to receive the remittance to the recipient apparatus based on the remittance information And response information receiving means for receiving response information for the inquiry from the recipient device, and remittance for determining whether or not to execute processing for remittance with the contents indicated by the remittance information based on the answer information And a judging means.

It is a figure which shows an example of the whole structure of the remittance control system which concerns on embodiment of this invention. It is a figure which shows an example of a usage agreement screen. It is a figure which shows an example of a recipient designation | designated screen. It is a figure which shows an example of a remittance content input screen. It is a figure which shows an example of a remittance content confirmation screen. It is a figure which shows an example of the message display screen in case a recipient has registered the receipt account. It is a figure which shows an example of the receipt screen when a recipient has registered the receipt account. It is a figure which shows an example of a question screen. It is a figure which shows an example of a change request screen. It is a figure which shows an example of a question notification screen. It is a figure which shows an example of a remittance withdrawal screen. It is a figure which shows an example of a new recipient designation | designated screen. It is a figure which shows an example of the message display screen in case a recipient has not registered the receipt account. It is a figure which shows an example of the receipt screen when a recipient has not registered the receipt account. It is a functional block diagram of the remittance control system 1 in this embodiment. It is a figure which shows an example of an account database. It is a figure which shows an example of a receipt account database. It is a figure which shows an example of a transaction information database. It is a figure which shows the process performed with a remittance control system. It is a figure which shows the process performed with a remittance control system. It is a figure which shows the process performed with a remittance control system. It is a figure which shows the process performed with a remittance control system. It is a figure which shows an example of the posting screen for displaying the content of posting.

[1. Overall configuration of remittance control system]
Hereinafter, examples of embodiments of the present invention will be described in detail with reference to the drawings. FIG. 1 is a diagram illustrating an example of the overall configuration of a remittance control system according to an embodiment of the present invention. As shown in FIG. 1, in the present embodiment, each of a remittance control system 1, an AC system 20, a remittance device 30, and a payee device 40 is connected via a network 2 so that data can be transmitted and received.

  The remittance control system 1 is placed under the management of a bank and manages various information such as the bank account. The remittance control system 1 includes a remittance control server 10. The remittance control server 10 is a server computer and includes a control unit 11, a storage unit 12, and a communication unit 13. The control unit 11 includes, for example, one or a plurality of microprocessors. The storage unit 12 includes, for example, a main storage unit such as a RAM (Random Access Memory) and an auxiliary storage unit such as a hard disk. The control unit 11 executes processing according to programs and data stored in the storage unit 12. The communication unit 13 includes a network card and can transmit and receive data to and from the outside via the network 2.

  The AC system 20 includes one or a plurality of server computers and provides a service for a plurality of users to interact. For example, the AC system 20 provides SNS (Social Networking Service). Each user operates a computer (including the sender device 30 and the recipient device 40) to view texts and images posted by other users, and to send / receive messages to / from other users. You can interact using. Furthermore, in SNS, each user can also make a friendship with other users. The AC system 20 stores data indicating users who are in friendship with each user, and the user can preferentially communicate with users who are in friendship. For example, the AC system 20 notifies each user when a user who is a friend has posted a sentence or an image, or makes a sentence or image he / she posts a post only available to a user who is a friend.

  The remitter device 30 is a computer operated by the remitter, and is, for example, a mobile phone or a personal computer. The remittance device 30 includes a control unit 31, a storage unit 32, a communication unit 33, an operation unit 34, and a display unit 35. The hardware configurations of the control unit 31, the storage unit 32, and the communication unit 33 are substantially the same as those of the control unit 11, the storage unit 12, and the communication unit 13, and thus description thereof is omitted. The operation unit 34 is an input device (for example, a touch panel) for a user to perform an operation. The display unit 35 is a monitor that displays various screens.

  The recipient device 40 is a computer operated by the recipient, such as a mobile phone or a personal computer. The recipient device 40 includes a control unit 41, a storage unit 42, a communication unit 43, an operation unit 44, and a display unit 45. Since these hardware configurations are substantially the same as those of the control unit 31, the storage unit 32, the communication unit 33, the operation unit 34, and the display unit 35, description thereof will be omitted.

  The hardware configuration of each computer described above may be a general one, and the hardware configuration is not limited to the above example. Further, the program and data described as being stored in each computer may be supplied from a computer-readable information storage medium (for example, a memory card) or via a network. It may be supplied.

[2. About the overall flow of remittance]
The remittance control system 1 executes processing for the remittance to remit money to the recipient. It is assumed that the remittance has an account at a bank (hereinafter simply referred to as “the Bank”) that manages the remittance control system 1 and has completed predetermined user registration. For this reason, the remittance can use various online services provided by the Bank. In the present embodiment, the remittance can use a service (hereinafter referred to as an SNS remittance service) in which a remittance is designated from among friends in the SNS. When the sender uses the SNS remittance service, a usage agreement screen for accepting a predetermined usage agreement is displayed on the display unit 35.

  FIG. 2 is a diagram illustrating an example of the usage agreement screen. As shown in FIG. 2, the terms of service screen 50 displays the rules to be observed when using the service. When the remittance checks the check box 51 indicating that the agreement is accepted and selects the button 52, the remittance control system 1 can acquire data indicating the friendship of the remittor in the SNS from the AC system 20. Become. Thereafter, when the remittance performs a predetermined operation, a recipient designation screen for selecting a recipient from among friends in the SNS is displayed on the display unit 35.

  FIG. 3 is a diagram illustrating an example of a recipient designation screen. As shown in FIG. 3, on the recipient designation screen 60, user images 61B to 61J (hereinafter referred to as these images) showing users B to J who are friends with the sender (here, user A). Are also simply referred to as a user image 61). As will be described in detail later, each user image 61 can identify whether or not the recipient's receipt account belongs to the Bank and whether or not the recipient has registered the receipt account. The remittance person can specify a user indicated by the user image 61 as a recipient by dragging and dropping any of the user images 61 into the predetermined area 62. When the remittance designates the recipient, a remittance content input screen for inputting the remittance content is displayed.

  FIG. 4 is a diagram illustrating an example of a remittance content input screen. As shown in FIG. 4, on the remittance content input screen 70, a recipient 71 designated by the sender and an account balance 72 of the sender are displayed. The remittance inputs the remittance amount in the input form 73 and inputs a message to the recipient in the input form 74 as necessary. Note that the remittance fee 75 may be paid by a point held by the remittance in an electronic commerce system or the like with which the Bank is affiliated by selection from the input form 76. If the transfer is between the bank and the recipient has approved the terms of use for the SNS transfer service, the transfer fee 75 is free and the input form 76 is not displayed. When the remittance selects the confirmation button 77, a remittance content confirmation screen for confirming the remittance content is displayed on the display unit 35.

  FIG. 5 is a diagram illustrating an example of a remittance content confirmation screen. As shown in FIG. 5, on the remittance content confirmation screen 80, a recipient 81 designated by the sender, a remittance amount 82 designated by the sender, a message 83 entered by the sender, and a remittance fee 84 are displayed. Here, information 85 indicating whether the remittance pays the remittance fee using the points is also displayed. When the remittance selects the correction button 86, the remittance content input screen 70 is displayed, and the remittance content can be corrected. On the other hand, when the remittance enters a predetermined personal identification number in the input form 87 and selects the remittance button 88, the remittance control server provides a remittance instruction for remittance with the remittance content input by the remittance as well as information indicating each input content 10 can be transmitted.

  When receiving the remittance instruction from the remittance device 30, the remittance control server 10 requests the AC system 20 to send a predetermined message to the recipient's SNS account using the SNS. When AC system 20 receives the request, it generates a message and notifies the recipient. In the present embodiment, a description will be given by taking as an example a case where each user uses a message function for sending a message by designating another user and inquires the recipient whether or not to receive the remittance. You may make it inquire by the method (detailed later). When the recipient performs a predetermined operation on the recipient apparatus 40, a message display screen for displaying the message is displayed on the display unit 45. Here, the flow of receipt differs depending on whether the recipient has registered a receipt account or not. First, the message display screen when the payee has registered a receiving account will be described.

  FIG. 6 is a diagram showing an example of a message display screen when the payee has registered a receiving account. As shown in FIG. 6, on the message display screen 90, as a message transmitted by the SNS account of the sender, a remittance amount 91 specified by the sender, a message 92 input by the sender, and each remittance are uniquely identified. Transaction number 93 and a link 94 for accessing the remittance control server 10 are displayed. As shown in FIG. 6, the transaction number is stored in the link 94 as an argument. For this reason, since the recipient selects the link 94 to access the remittance control server 10 with the transaction number, the remittance control server 10 can specify which remittance should be processed. When the recipient accesses the remittance control server 10 via the link 94, a receipt screen for receiving the remittance is displayed on the display unit 45.

  FIG. 7 is a diagram showing an example of a receipt screen when the recipient registers a receipt account. As shown in FIG. 7, the receipt screen 100 displays a remittance date 101, a remittance person 102, a remittance amount 103, and a message 104 input by the remittance person. When the payee selects the inquiry button 105, a question screen for asking a question to the sender and the common friend of the payee is displayed on the display unit 35.

  FIG. 8 is a diagram illustrating an example of a question screen. As shown in FIG. 8, on the question screen 120, a friend image 121 showing a common friend of the sender and the receiver is displayed. Note that the friend displayed on the friend image 121 may be a friend who has been designated as a recipient by the sender, among the common friends. The recipient selects a question partner from the common friends indicated by the friend image 121. When the recipient selects the question partner and inputs the question content in the input form 122 and selects the send button 123, the question content is transmitted to the question partner. The answer from the question partner is notified to the recipient via the remittance control server 10 or the AC system 20.

  Returning to FIG. 7, when the recipient selects the change request button 106, a change request screen for changing the remittance amount designated by the sender is displayed on the display unit 35. FIG. 9 is a diagram illustrating an example of the change request screen. As shown in FIG. 9, on the change request screen 130, the recipient inputs the changed remittance amount in the input form 131, and inputs a message addressed to the sender in the input form 132 as necessary. When the send button 133 is selected, the amount to be sent can be changed.

  Returning to FIG. 7, when the recipient selects the receipt button 107, the remittance can be received with the remittance content designated by the sender. On the other hand, when the recipient inputs the question content to the sender in the input form 108 and selects the question button 109, the question content can be transmitted to the sender. A question notification screen 140 for displaying the contents of the received question is displayed on the display unit 35 of the sender unit 30 of the sender.

  FIG. 10 is a diagram illustrating an example of a question notification screen. As shown in FIG. 10, on the question notification screen 140, the question content 141 from the recipient is displayed. When the sender sends the answer to the input form 142 and selects the send button 143, the sender can send the answer to the recipient. This answer may be made from either the remittance control server 10 or the AC system 20. The recipient checks the answer and determines whether or not to receive the remittance.

  Returning to FIG. 7, when the recipient inputs a message to the sender in the input form 110 and selects the receipt decline button 111, the sender can decline the remittance. When the recipient selects the receipt decline button 111, a remittance decline screen is displayed on the display unit 35 to notify the sender that the recipient has declined receipt.

  FIG. 11 is a diagram illustrating an example of a remittance withdrawal screen. As shown in FIG. 11, the remittance decline screen 150 displays that the recipient has declined the remittance. If the recipient has entered a message, the message 151 is also displayed.

  Returning to FIG. 7, when the recipient selects the transfer button 112, a new recipient designation screen for transferring the remittance from the sender to a common friend is displayed on the display unit 35. FIG. 12 is a diagram showing an example of a new recipient designation screen. As shown in FIG. 12, on the new payee designation screen 160, a friend image 161 showing a common friend of the sender and the payee is displayed. The recipient selects a transfer partner from the friends indicated by the friend image 161. The recipient can also input a message to the transfer partner on the input form 162. When the payee selects the transfer button 163, the payee from the sender is changed to the payee specified on the new payee designation screen 160.

  In the above, the flow of receiving when the recipient has registered a receiving account has been explained. However, if the recipient has not registered the receiving account, the receiving account is designated to receive. A message including the URL for displaying the screen is notified to the recipient.

  FIG. 13 is a diagram showing an example of a message display screen when the recipient has not registered the receipt account. A message display screen 170 shown in FIG. 13 is different from FIG. 6 and displays a message 171 that prompts the user to specify a receiving account. The point that the link 172 includes an argument of a transaction number is the same as the link 94. When the payee selects the link 172, the payment screen for accessing the remittance control server 10 with the transaction number, registering the receiving account and receiving the remittance is displayed on the display unit 35.

  FIG. 14 is a diagram showing an example of a receipt screen when the recipient has not registered a receipt account. The receiving screen 180 shown in FIG. 14 is different from FIG. 7, and the user can select the bank receiving button 181 to register the bank account as a receiving account and receive the remittance. On the other hand, the user can select another bank receipt button 182 to register the account of the other bank in the receiving account and receive remittance.

  As described above, the present embodiment is configured to improve the convenience of the sender or the recipient by providing interactiveness to the receipt of the remittance. Hereinafter, details of the technology will be described.

[3. Functions realized in remittance control system]
FIG. 15 is a functional block diagram of the remittance control system 1 in the present embodiment. As shown in FIG. 15, in this embodiment, the information storage unit 201, the information acquisition unit 204, the recipient information reception unit 206, the remittance information recording unit 207, the inquiry information transmission unit 208, the answer information reception unit 209, and the remittance determination unit. 210, friend information reception unit 211, recipient designation screen transmission unit 214, request transmission unit 215, question screen transmission unit 216, new recipient designation screen transmission unit 217, new recipient information reception unit 218, change request screen transmission unit 219 The change request receiving unit 220 and the change process executing unit 221 are realized.

[Information storage unit]
The information storage unit 201 is realized mainly by the storage unit 12. The information storage unit 201 stores various data necessary for transferring money from the sender to the receiver.

  For example, the information storage unit 201 stores an account database that stores various types of information related to the bank's account. FIG. 16 is a diagram illustrating an example of an account database. As shown in FIG. 16, the account database stores the branch number of the account, the account number, the account holder, and the account balance. When a bank account is opened, a new record is added to the account database, and the account balance is updated according to the transaction status of the account holder. The account database may store other information such as account type.

  The receipt account storage unit 202 of the information storage unit 201 stores a receipt account database in which the SNS account and the remittance receipt account information are associated with each other. FIG. 17 is a diagram showing an example of a receipt account database. As shown in FIG. 17, the receipt account database stores receipt account information for each SNS account. The receipt account information stores information (for example, a bank code) for identifying a bank that manages the receipt account, an account branch number, an account number, an account holder, a registration date, and a release date. When a user having an SNS account operates his / her computer (for example, the payee device 40) and inputs receipt account information, the remittance control server 10 acquires the input content, and obtains the SNS account and the input. The received account information is associated and registered in the account database. The receipt account information may be input after the receipt button 181 or the receipt button 182 on the receipt screen 180 shown in FIG. 14 is selected, or when another predetermined screen is displayed. Also good. The registration date stores the date when the receipt account information is registered in the receipt account database, and the release date is a predetermined operation for canceling receipt at the receipt account indicated by the registered receipt account information. The last day is stored.

  In addition, the remittance information storage unit 203 of the information storage unit 201 stores a transaction information database that stores remittance information indicating details of remittance. FIG. 18 is a diagram illustrating an example of a transaction information database. As shown in FIG. 18, remittance information (for example, sender identification information, recipient identification information, remittance amount, remittance fee, and remittance status) associated with the transaction number is stored in the transaction information database. It can be said that the remittance information stored in the transaction information database indicates remittance waiting for remittance processing. As the sender identification information, information for identifying the sender can be stored, and the SNS account of the sender can be stored, and the name and account of the sender can be stored. Similarly, as the recipient identification information, information for identifying the recipient may be stored, the SNS account of the recipient may be stored, and the name and account of the recipient may be stored. . The remittance status status stores information for identifying the current state of each remittance (for example, completion of remittance, a state waiting for approval by the recipient, a state rejected by the recipient, etc.).

  Note that the data stored in the information storage unit 201 is not limited to the above example. For example, the information storage unit 201 may store various types of information (user account, login password, information for identifying the bank account, association of the SNS account, etc.) regarding the user who has registered as a user in the remittance control system 1. . Further, for example, the information storage unit 201 may store a message input by the remittance person in association with the transaction number or remittance information. Furthermore, the information storage unit 201 may store an association between a bank account and a personal identification number. In addition, for example, the information storage unit 201 may store data related to the history of remittance performed in the past.

[Information acquisition unit]
The information acquisition unit 204 is realized mainly by the control unit 11. The information acquisition unit 204 acquires various types of information stored in the information storage unit 201. Here, the account information acquisition unit 205 of the information acquisition unit 204 acquires the storage contents of the receipt account storage unit 202.

[Recipient information receiver]
The recipient information receiving unit 206 is realized mainly by the control unit 11 and the communication unit 13. The recipient information receiving unit 206 receives recipient information of the recipient who receives the remittance (here, the recipient designated on the recipient designation screen 60) from the sender device 30. The recipient information may be information for identifying the recipient designated by the sender, and is, for example, identification information of the recipient's SNS account or user image 61. In addition, when acquiring an SNS account as recipient information, the remittance control server 10 is transmitting the SNS account of the user who has a friend relationship with a remittance person to the remittance apparatus 30 in association with the user image 61. To do. On the other hand, when the identification information of the user image 61 is acquired as the recipient information, the identification information of the user image 61 and the data indicating the association of the SNS account are stored in the information storage unit 201, and the user image specified by the user It is assumed that the SNS account of the recipient designated by the user can be specified on the remittance control server 10 side from the identification information 61.

[Remittance Information Recording Department]
The remittance information recording unit 207 is realized mainly by the control unit 11. The remittance information recording unit 207 acquires remittance information indicating the remittance content based on the recipient information and records it in the remittance information storage unit 203. Here, a case will be described in which the remittance information recording unit 207 generates remittance information. However, the remittance information recording unit 207 generates remittance information generated by other than the remittance information recording unit 207 (for example, a system other than the remittance control system 1). You may make it acquire. For example, the remittance information recording unit 207 issues a transaction number based on a predetermined transaction number issuance rule. Then, the remittance information recording unit 207 stores the transaction number, the sender identification information, the recipient identification information, the remittance amount, and the current date and time in a new record. It is assumed that the remittance identification information and the remittance amount are received by the remittance control server 10 together with the remittance instruction.

  In addition, the remittance information recording unit 207 executes processing for reducing the account balance of the remittance person based on the remittance amount indicated by the remittance information. Here, the remittance information recording unit 207 refers to the account database to identify the sender's account and account balance indicated by the sender's identification information, and calculates the sum of the remittance amount and remittance fee from the sender's account balance. Decrease.

[Inquiry information transmitter]
The inquiry information transmission unit 208 is realized mainly by the control unit 11 and the communication unit 13. The inquiry information transmission unit 208 transmits inquiry information indicating whether or not to receive the remittance to the recipient apparatus 40 based on the remittance information. The inquiry information is information for displaying a screen for inquiring whether or not to receive remittance, and here is display information of the receiving screen 100 or 180.

  In the present embodiment, the inquiry information transmission unit 208 receives the link 94 or 172 when the recipient apparatus 40 accesses the remittance control system 1 with identification information (here, the transaction number of an argument). The inquiry information is transmitted to the recipient apparatus 40 based on the remittance information identified by the information. That is, the inquiry information transmission unit 208 specifies remittance information associated with the transaction number received from the recipient apparatus 40, and generates and transmits inquiry information indicating whether or not to receive the remittance indicated by the remittance information. become.

[Reply information receiver]
The answer information receiving unit 209 is realized mainly by the control unit 11 and the communication unit 13. The reply information receiving unit 209 receives reply information for the inquiry from the recipient apparatus. In the present embodiment, the input contents of the recipient on the receipt screen 100 or 180 correspond to the answer information.

[Remittance Judgment Department]
The remittance determination unit 210 is realized mainly by the control unit 11. Based on the answer information, the remittance determination unit 210 determines whether or not to execute a process for remittance with the content indicated by the remittance information. If the response information indicates that the remittance is received, the remittance determination unit 210 automatically executes the remittance process based on the remittance information (the remittance is performed without any further operation of the remittance device 30 by the remittator). If the response information indicates that no remittance is received, the remittance process is not executed. A known technique can be applied to the remittance process itself. For example, in the case of remittance to the Bank, the remittance determination unit 210 increases the account balance of the recipient stored in the account database by the remittance amount. On the other hand, if the remittance is to another bank, the remittance determination unit 210 requests the external system that executes the remittance to the other bank to remit to the other bank with the remittance content indicated by the remittance information.

[Friend information receiver]
The friend information receiving unit 211 is realized mainly by the control unit 11 and the communication unit 13. The friend information receiving unit 211 receives friend information indicating the friendship of each user stored in the AC system 20. In the friend information, in addition to an SNS account having a friend relationship with a certain SNS account, a friend's name and image may be stored. Here, the remittance friend information receiving unit 212 of the friend information receiving unit 211 receives the SNS account of the user related to the remittance from the exchange system for providing a service for exchanging with a plurality of users including the remittance person. . On the other hand, the recipient friend information receiving unit 213 receives an SNS account for identifying a user related to the recipient from the AC system.

[Recipient designation screen transmitter]
The recipient designation screen transmission unit 214 is realized mainly by the control unit 11 and the communication unit 13. Based on the SNS account received by the sender friend information receiver 212, the recipient designation screen transmission unit 214 displays display information of the recipient designation screen 60 for designating a recipient from among users related to the sender. To the sender 30. The recipient designation screen transmission unit 214 refers to the friend information associated with the SNS account of the sender and identifies the SNS account that is in a friend relationship. Then, the recipient designation screen transmission unit 214 generates and transmits display information of the recipient designation screen 60 including the user image 61 that identifies the user indicated by the identified SNS account.

  In the present embodiment, the recipient designation screen transmission unit 214 uses at least one user information (here, the user image 61) included in the recipient designation screen 60 as a receipt account associated with the user identification information of the user. The display information is determined based on the information and transmitted. For example, the recipient designation screen transmission unit 214 displays the display mode of information (here, the user image 61) for designating at least one user included in the recipient designation screen 60 as a recipient, the SNS account of the user. To be determined based on the receipt account information associated with. The recipient designation screen transmission unit 214 determines the display mode of the user image 61 so that the receipt account information associated with the user's SNS account indicated by the user image 61 can be identified.

  In the present embodiment, the recipient designation screen transmission unit 214 identifies whether or not the recipient account of at least one user included in the recipient designation screen 60 belongs to a predetermined bank (here, the bank). (Here, the user image 61) is determined based on the receiving account information associated with the user identification information of the user. For example, in the recipient designation screen transmission unit 214, the first area of each user image 61 (in FIG. 3, the left half of the ring indicated by the user image 61) is the first display mode (for example, the first color). In FIG. 3, it is indicated by a halftone dot.), The user's receiving account is that of the Bank. On the other hand, when the first area is in the second display mode (for example, the second color, which is indicated by hatching in FIG. 3), the receiving account of the user is from another bank, or the receiving account Is not registered in the first place.

  Further, in the present embodiment, the recipient designation screen transmission unit 214 identifies information (whether or not at least one user included in the recipient designation screen 60 has registered the receipt account information in the receipt account storage unit 202) ( Here, the user image 61) is determined based on the receiving account information associated with the user identification information of the user. For example, in the recipient designation screen transmission unit 214, the second area of each user image 61 (in FIG. 3, the right half of the ring indicated by the user image 61) is the third display mode (for example, the third color). 3 indicates that the user has registered a receipt account, and the second area is the fourth display mode (for example, the fourth color. Here, the In the case of 2), it indicates that the user has not registered a receipt account.

  Note that, in the above description, the case where the recipient designation screen transmission unit 214 makes it possible to identify the receiving account information by color as an example of the display mode of the user image 61 has been described. Not limited. In addition, for example, the recipient designation screen transmission unit 214 may be able to identify the receipt account information by at least one of the size, brightness, and pattern of the user image 61.

[Request transmitter]
The request transmission unit 215 is realized mainly by the control unit 11 and the communication unit 13. Based on the recipient information, the request sending unit 215 sends a request for sending the link 94 or 172 for accessing the remittance control system 1 with identification information (for example, a transaction number) identifying the remittance information. It transmits to the exchange system 20 with an SNS account. The request transmitting unit 215 specifies the SNS account of the recipient with reference to the recipient information. Then, the request transmission unit 215 refers to the transaction information database and specifies the transaction number of the remittance designated by the recipient. The request transmission unit 215 generates a link 94 or 172 including the identified transaction number as an argument, and transmits the link 94 or 172 to the AC system 20 together with the SNS account of the recipient. It is assumed that the URL of the part other than the argument of the link 94 or 172 is stored in the information storage unit 201 in advance.

[Question screen transmitter]
The question screen transmission unit 216 is realized mainly by the control unit 11 and the communication unit 13. The question screen transmission unit 216 selects a question from among the users related to the sender and the recipient based on the SNS account that identifies the user related to the sender and the SNS account that identifies the user related to the recipient. The display information of the question screen 120 for designating the other party is transmitted to the recipient apparatus 40.

  The question screen transmission unit 216 shares a user whose SNS account is stored in both the friend information associated with the SNS account of the sender and the friend information associated with the SNS account of the recipient. Identify as a friend. Then, the question screen transmission unit 216 generates and transmits display information of the question screen 120 including the friend image 121 indicating the specified common friend.

  The question screen transmission unit 216 generates and transmits the display information of the question screen 120 including the friend image 121 indicating the friend who has received the remittance from the sender. May be. In this case, the information storage unit 201 stores data indicating the history of past remittances by the remittance person, and the question screen transmission unit 216 refers to the data and from the remitrer among the common friends. Identify friends who have received money. In addition, as with the user image 61, the friend image 121 also stores the association information between the identification information of the friend image 121 and the SNS account in the information storage unit 201 so that the remittance control server 10 can identify the question partner designated by the recipient. The question screen transmission unit 216 may transmit the SNS account of the common friend together with the display information of the question screen 120.

[New Recipient Designation Screen Transmitter]
The new recipient designation screen transmission unit 217 is realized mainly by the control unit 11 and the communication unit 13. Based on the SNS account that identifies the user associated with the sender and the SNS account that identifies the user associated with the recipient, the new recipient designation screen transmission unit 217 displays the user's associated with the sender and the recipient. Display information of a new recipient designation screen 160 for designating a new recipient from the inside is transmitted to the recipient device 40. The method for the new recipient designation screen transmission unit 217 to specify a common friend is the same as the method described in the question screen transmission unit 216. The new recipient designation screen transmission unit 217 generates and transmits display information of the new recipient designation screen 160 including the friend image 161 indicating the specified common friend.

[New Recipient Information Receiver]
The new recipient information receiving unit 218 is realized mainly by the control unit 11 and the communication unit 13. The new recipient information receiving unit 218 receives the new recipient information of the new recipient designated on the new recipient designation screen 160 from the recipient device 40. Similar to the recipient information, the new recipient information may be information identifying a new recipient, for example, the SNS account of the new recipient or the identification information of the friend image 161 selected by the recipient. When acquiring an SNS account as new payee information, the new payee designation screen transmission unit 217 associates the SNS account of a common friend with the user image 61 and transmits it to the remittance device 30. To do. On the other hand, when the identification information of the friend image 161 is acquired as the recipient information, the identification information of the friend image 161 and the data indicating the association of the SNS account are stored in the information storage unit 201, and the friend image specified by the user It is assumed that the SNS account of the friend designated by the recipient can be identified on the remittance control server 10 side from the identification information 161.

  In the present embodiment, when the recipient designates a new recipient, the remittance determination unit 210 executes processing for the new recipient to receive the remittance based on the new recipient information and the remittance information. For example, the remittance determining unit 210 changes the recipient identification information of the remittance information to indicate a new recipient. The remittance determination unit 210 may change the recipient identification information when the remittator performs a predetermined operation for approving a new recipient. Further, the inquiry information transmitting unit 208 may transmit the inquiry information to the recipient device 40 of the new recipient, and the response information receiving unit 209 may reply from the recipient device 40 of the new recipient. Information may be received. In this case, the remittance determination unit 210 performs remittance processing based on the remittance information in which the recipient identification information indicating the new recipient is stored based on the reply information received from the recipient device 40 of the new recipient. It may be determined whether or not.

[Change request screen transmission part]
The change request screen transmission unit 219 is realized mainly by the control unit 11 and the communication unit 13. The change request screen transmission unit 219 transmits display information of the change request screen 130 for requesting change of the remittance amount indicated by the remittance information to the recipient apparatus 40. Here, a case will be described in which the recipient can specify the changed remittance amount on the change request screen 130, but the changed remittance amount may be specified by the remittance person.

[Change request receiver]
The change request receiving unit 220 is realized mainly by the control unit 11 and the communication unit 13. A change request is received from the recipient device 40. The change request may be a notification in a predetermined format, and the change request receiving unit 220 receives the change request from the recipient apparatus 40 when a predetermined operation for changing the remittance amount is performed in the recipient apparatus 40. To do. When the recipient designates the changed remittance amount, the designated remittance amount is included in the change request.

[Change processing execution part]
The change process execution unit 221 is realized mainly by the control unit 11. When the change request is received, the change process execution unit 221 executes a process for changing the remittance amount indicated by the remittance information. The remittance determination unit 210 may change the remittance amount indicated by the remittance information, or after deleting the remittance information from the transaction information database, newly acquiring remittance information indicating the remittance amount after the change You may make it store in an information database. When remittance information is newly acquired, information other than the remittance amount in the remittance information is the same as before the change.

  In this embodiment, the change process execution part 221 performs the process for changing the remittance amount within the remittance amount range indicated by the remittance information. Within the range of remittance indicated by remittance information means that the remittance after change is smaller than the original remittance amount. The remittance determination unit 210 may change the remittance amount when the remittator performs a predetermined operation for approving the changed remittance amount.

[4. Processing executed in the embodiment]
19 to 22 are diagrams illustrating processing executed in the remittance control system 1. Here, the control units 11, 31, and 41 operate according to the programs stored in the storage units 12, 32, and 42, respectively, and the server computer in the AC system 20 operates according to the program, thereby FIG. The processing shown in 22 is executed, and each functional block is realized. It is assumed that the remittance has agreed to the terms of use when the following processing is executed.

  As shown in FIG. 19, first, in the remittance device 30, the control unit 31 transmits a request for displaying a recipient designation screen 60 to the remittance control server 10 (S1). In S1, the control unit 31 also transmits information for identifying the sender (for example, a bank account or an SNS account) together with the display request, and the remittance control server 10 can specify the SNS account of the sender. ing.

  When the remittance control server 10 receives the display request, the control unit 11 acquires friend information associated with the SNS account of the remittance person from the AC system 20 (S2). In S2, the control part 11 transmits the acquisition request | requirement of the friend information linked | related with the SNS account with respect to the exchange system 20 with the SNS account of a sender. When the exchange system 20 receives the request, the exchange system 20 reads the friend information associated with the SNS account of the remittance person from its own memory and transmits it to the remittance control server 10.

  The control unit 11 specifies whether or not the receipt account information is registered in the receipt account database for each of the friend's SNS accounts indicated by the friend information (S3). The control part 11 specifies the bank of the user's receipt account which has registered the receipt account information (S4). The control part 11 determines the display mode of the user image 61 based on the specific result of S3 and S4 (S5). In S5, the control unit 11 displays the display mode of the user image 61 of the friend for each friend indicated by the friend information, whether the friend's receiving account is the bank or the other bank, and the friend's receiving account information. Is determined based on whether or not is registered.

  The control unit 11 generates display information of the recipient designation screen 60 and transmits it to the remittance device 30 (S6). In S6, the control part 11 shall transmit the information which shows a sender's account balance with reference to an account database. The control unit 11 also transmits information indicating the association between the identification information of the user image 61 generated in S5 and the SNS account of the user indicated by the user image 61.

  In the remittance device 30, when the display information is received, the control unit 31 displays the recipient designation screen 60 on the display unit 35 (S7). The control unit 31 determines whether or not the sender has designated the recipient by operating the operation unit 34 (S8). In S <b> 8, the control unit 31 determines whether any user image 61 has been dragged and dropped onto the predetermined area 62.

  When it is determined that the recipient is designated (S8; Y), the control unit 31 displays the remittance content input screen 70 on the display unit 35 (S9). In S <b> 9, the control unit 31 displays the remittance content input screen 70 based on the user image 61 of the recipient designated by the sender and the account balance received from the remittance control server 10. Thereafter, an input from the operation unit 34 is accepted, and the control unit 31 reflects the remittance specified by the operation unit 34 on the input form 73 and reflects the message input from the operation unit 34 on the input form 74.

  The control unit 31 determines whether or not the confirmation button 77 has been selected (S10). When it is determined that the confirmation button has been selected (S10; Y), the control unit 31 displays the remittance content confirmation screen 80 on the display unit 35 based on the input content on the remittance content input screen 70 (S11). Based on the input from the operation unit 34, the control unit 31 identifies the button selected by the sender (S12).

  When the sender selects the correction button 86 (S12; correction button), the process returns to S9. In this case, the remittance content is input again on the remittance content input screen 70. On the other hand, when the remittance selects the remittance button 88 (S12; remittance button), the control unit 31 transmits a remittance instruction to the remittance control server (S13). In S13, the control unit 31 transmits the specified contents (recipient information, remittance amount, message, etc.) on the remittance content input screen 70 together with the remittance instruction.

  When the remittance control server 10 receives the remittance instruction, the control unit 11 refers to the account database and decreases the account balance of the remittance by the sum of the remittance amount and the remittance fee (S14). The control unit 11 acquires remittance information and registers it in the transaction information database (S15). In S15, the control unit 11 issues a transaction number, the SNS account of the sender, the SNS account of the recipient, the amount of money to be sent, the remittance fee, the current time, and the status of the remittance (for example, waiting for the recipient's approval). (Value indicating the state) is associated and stored in the transaction information database. The control unit 11 calculates a remittance fee based on a predetermined calculation method.

  The control unit 11 refers to the receipt account database to determine whether or not the recipient has registered the receipt account information (S16). In S16, the control unit 11 determines whether or not the receipt account information is registered in association with the recipient's SNS account.

  When it is determined that the payee has registered the payee account information (S16; Y), the control unit 11 sends a request for access with the transaction number to the AC system 20 together with the payee's SNS account. Transmit (S17). Here, it is assumed that the control unit 11 also transmits a remittance specified by the sender, a transaction number, and a link 94 including the transaction number as an argument.

  Upon receiving the request, the AC system 20 generates a predetermined message and notifies the recipient's recipient device 40 indicated by the recipient's SNS account (S18). In S18, the AC system 20 generates display information on the message display screen 90, and makes a predetermined notification to the SNS account of the recipient using the SNS. Various publicly known notification methods can be applied to the method of performing notification using SNS.

  In the recipient device 40, when the notification is received, the control unit 41 displays the message display screen 90 on the display unit 45 (S19). Moving to FIG. 20, the control unit 41 determines whether or not the link 94 including the transaction number as an argument has been selected (S20). When it determines with the link 94 having been selected (S20; Y), the control part 41 accesses the remittance control server 10 with a transaction number (S21).

  In the remittance control server 10, when access is accepted, the control unit 11 generates display information of the receiving screen 100 based on the transaction number received at the time of access and transmits it to the recipient apparatus 40 (S22). In S22, the control unit 11 acquires remittance information associated with the transaction number received from the recipient apparatus 40, and generates display information of the receiving screen 100 based on the remittance information.

  In the recipient device 40, when the display information is received, the control unit 41 displays the receipt screen 100 on the display unit 45 (S23). The control unit 41 determines whether or not the receiving button 107 has been selected (S24). When it is determined that the receiving button 107 has been selected (S24; Y), the control unit 41 notifies that the receiving button 107 has been selected (S25).

  In the remittance control server 10, when the notification is received, the control unit 11 executes a remittance process based on the remittance information in the transaction information database (S26), and this process ends. Various well-known processes can be applied to the process of S26, and the control unit 11 executes a process of transferring the remittance indicated by the remittance information to the recipient's receiving account. When the control unit 11 executes the remittance process, the value of the remittance status status is changed.

  On the other hand, when it is not determined that the receipt button 107 has been selected (S24; N), the control unit 41 determines whether or not the receipt decline button 111 has been selected (S27). When it is determined that the receipt decline button 111 has been selected (S27; Y), the control unit 41 notifies that the receipt decline button 111 has been selected (S28). In S28, if a message is input to the input form 110, the control unit 41 transmits the message along with the notification.

  In the remittance control server 10, when the notification is received, the control unit 11 executes a decline process based on the remittance information in the transaction information database (S29). In S29, the control unit 11 executes a predetermined refund process for the bank account of the sender based on the amount of money indicated by the remittance information. Various known processes can be applied to the refund process itself. When the refund process is executed, the control unit 11 may delete the remittance information from the transaction information database, or may change the value of the remittance status status while leaving the remittance information.

  And the control part 11 produces | generates the display information of the remittance decline screen 150, and transmits to the remittance apparatus 30 (S30). When the remittance device 30 receives the display information, the control unit 31 displays the remittance withdrawal screen 150 on the display unit 35 (S31).

  On the other hand, when it is not determined that the receipt decline button 111 has been selected (S27; N), the control unit 41 determines whether or not the question button 109 has been selected (S32). When it is determined that the question button 109 has been selected (S32; Y), the control unit 41 notifies that the question button 109 has been selected (S33). In S33, the control unit 41 transmits the message input to the input form 108 together with the notification.

  When the remittance control server 10 receives the notification, the control unit 11 generates display information of the question notification screen 140 and transmits it to the remittance device 30 (S34). In the remittance device 30, when the display information is received, the control unit 31 displays the question notification screen 140 on the display unit 35 (S35). Thereafter, when the sender sends a reply message to the input form 142 and selects the send button 143, the message is sent to the recipient apparatus 40 via the money transfer control server 10.

  On the other hand, when it is not determined that the question button 109 has been selected (S32; N), the process proceeds to FIG. 21, and the control unit 41 determines whether or not the inquiry button 105 has been selected (S36). When it is determined that the inquiry button 105 has been selected (S36; Y), the control unit 41 notifies that the inquiry button 105 has been selected (S37).

  In the remittance control server 10, when the notification is received, the control unit 11 acquires friend information from the AC system 20, and specifies an SNS account of a common friend of the sender and the recipient (S38). In S38, the control unit 11 exchanges an acquisition request for the friend information associated with the SNS account of the sender and the friend information associated with the SNS account of the recipient together with the SNS account of the sender and the recipient. To the system 20. The AC system 20 transmits friend information to the remittance control server 10 in response to the acquisition request.

  The control part 11 produces | generates and transmits the display information of the question screen 120 based on the SNS account specified by S38 (S39). In S <b> 39, the control unit 11 generates a friend image 121 based on the common friend's SNS account, and transmits display information of the question screen 120 including the friend image 121. It is assumed that the friend's SNS account indicated by the friend image 121 is held in the storage unit 12.

  In the recipient device 40, when the display information is received, the control unit 41 displays the question screen 120 on the display unit 45 (S40). Thereafter, when the recipient inputs a question message in the input form 122 and selects the send button 123, the message is sent to the computer operated by the friend. This message may pass through the remittance control server 10 or the AC system 20.

  On the other hand, when it is not determined that the inquiry button 105 has been selected (S36; N), the control unit 41 determines whether or not the change request button 106 has been selected (S41). When it is determined that the change request button 106 has been selected (S41; Y), the control unit 41 displays the change request screen 130 on the display unit 45 (S42). Thereafter, input to the input forms 131 and 132 is accepted. In S <b> 42, the control unit 41 may accept an input of the changed remittance amount within the range of the remittance amount designated by the remittance person.

  The control unit 41 determines whether or not the transmission button 133 has been selected (S43). When it determines with the transmission button 133 having been selected (S43; Y), the control part 41 transmits the change request | requirement of a remittance amount (S44). In S44, if the changed remittance amount is input to the input form 131, the control unit 41 transmits the remittance amount together with the change request. Similarly, if a message is input in the input form 132, the control unit 41 transmits the message together with the change request.

  When the remittance control server 10 receives the change request, the control unit 11 executes a remittance amount change process (S45). In S45, the control unit 11 changes the remittance amount indicated by the remittance information. If the recipient designates a remittance higher than the remittance designated by the sender, the control unit 11 refers to the account database and subtracts the difference from the account balance of the sender. If the account balance of the sender is insufficient, the control unit 11 may return a predetermined error message so as not to change the amount to be sent.

  On the other hand, when it is not determined that the change request button 106 has been selected (S41; N), the control unit 41 determines whether or not the transfer button 112 has been selected (S46). When it is determined that the transfer button 112 has been selected (S46; Y), the control unit 41 notifies that the transfer button 112 has been selected (S47).

  In the remittance control server 10, when the notification is received, the control unit 11 acquires friend information from the AC system 20, and specifies the SNS account of the friend who is common to the remittance and the payee (S48). The process of S48 is the same as the process of S38. The control unit 11 transmits the display information of the new recipient designation screen 160 based on the SNS account specified in S48 (S49). In S49, the control unit 11 generates a friend image 161 based on the common friend's SNS account, and transmits display information of the new recipient designation screen 160 including the friend image 161. It is assumed that the friend's SNS account indicated by the friend image 161 is held in the storage unit 12.

  In the recipient apparatus 40, when the display information is received, the control unit 41 displays a new recipient designation screen 160 on the display unit 45 (S50). The control unit 41 determines whether or not the transfer button 163 has been selected after a new recipient has been designated (S51). When it is determined that the transfer button 163 has been selected (S51; Y), the control unit 41 notifies that the transfer button 163 has been selected (S52). In S52, the control unit 41 also transmits recipient information of a new recipient (for example, identification information of the friend image 161 designated by the recipient).

  In the remittance control server 10, when the notification is received, the control unit 11 executes a process for a new recipient to receive the remittance (S53). In S53, the control unit 11 changes the recipient identification information indicated by the remittance information to a new recipient. In addition, for example, the control unit 11 may delete the remittance information from the transaction information database, generate remittance information in which the recipient identification information of the new recipient is stored, and store the remittance information in the transaction information database. .

  Returning to FIG. 19, when it is determined that the payee has not registered the payee account information (S 16; N), the process proceeds to FIG. 22, and the control unit 11 accesses the payee's SNS account along with the transaction number. A request to do so is transmitted to the AC system 20 (S54). Here, it is assumed that the control unit 11 also transmits a remittance specified by the sender, a transaction number, and a link 172 including the transaction number as an argument.

  Upon receiving the request, the AC system 20 generates a predetermined message and notifies the recipient device 40 of the recipient indicated by the SNS account (S55). The process of S55 is the same as that of S18.

  In the recipient apparatus 40, when the notification is received, the control unit 41 displays the message display screen 170 on the display unit 45 in response to the notification (S56). The control unit 41 determines whether or not the link 172 including the transaction number as an argument has been selected (S57). When it determines with the link 172 having been selected (S57; Y), the control part 41 accesses the remittance control server 10 with a transaction number (S58). The process of S58 is the same as S21.

  In the remittance control server 10, upon accepting access, the control unit 11 generates display information of the receipt screen 180 based on the transaction number received at the time of access and transmits it to the recipient apparatus 40 (S59). . The process of S59 is the same as that of S22, except that the control unit 11 generates display information of the receiving screen 180 including the bank receiving button 181 and the other line receiving button 182.

  In the recipient apparatus 40, when the display information is received, the control unit 41 displays the receipt screen 180 on the display unit 45 (S60). The control unit 41 determines whether or not the bank receipt button 181 has been selected (S61). When it is determined that the bank receipt button 181 has been selected (S61; Y), the control unit 41 notifies that the bank receipt button 181 has been selected (S62).

  When the remittance control server 10 receives the notification, after executing the login authentication for the recipient to log in to the remittance control system 1, the control unit 11 remits money with the bank account based on the remittance information in the transaction information database. The remittance process for receiving is executed (S63). For the login authentication itself, various known authentication methods can be applied. For example, the recipient inputs the user account and password of the bank in the recipient apparatus 40 from a predetermined screen, and the remittance control server 10 inputs the input contents. It is executed by verifying. The remittance control server 10 can identify the bank account of the recipient by executing login authentication. In S63, the control unit 11 executes a remittance process for transferring the remittance indicated by the remittance information to the bank account. The remittance process itself is the same as S26.

  On the other hand, when it is not determined that the bank receiving button 181 has been selected (S61; N), the control unit 41 determines whether or not the other line receiving button 182 has been selected (S64). When it is determined that the other line receipt button 182 has been selected (S64; Y), the control unit 41 notifies that the other line receipt button 182 has been selected (S65).

  In the remittance control server 10, when the notification is received, the control unit 11 executes a remittance process for receiving remittance with another bank account based on the remittance information in the transaction information database (S66). In S <b> 66, the control unit 11 transmits display information on a screen for the recipient to specify the receipt account information of another bank to the recipient apparatus 40. Thereafter, the control unit 11 acquires a bank account designated on the screen and executes a remittance process for remittance to the bank account.

  According to the remittance control system 1 of the embodiment described above, the convenience of the sender or receiver can be improved. By making the recipient choose whether or not to receive the remittance according to the remittance content specified by the sender, the remittance can be made interactive, for example, preventing remittance or refund due to the sender's mistaken operation. it can. Also, for example, in the conventional remittance method, if the remittance amount or recipient specified by the sender is incorrect, a re-payment with the correct remittance amount or a re-payment to the correct recipient is required. May require extra remittance fees for re-payments or refunds. In this respect, according to the remittance control system 1, since remittance and refund can be prevented as described above, an extra remittance fee can be prevented, which is beneficial to the remittance and the recipient.

  In addition, for example, by selecting a recipient from a friend relationship in the SNS, it is possible to transfer money to a partner who is close to a certain degree. Therefore, for example, it is possible to prevent remittance by designating a recipient who does not know at all as a recipient. Also, for example, in the conventional method, the sender and the recipient use SNS to contact each other and confirm the remittance amount, etc., and then send money from the sender to the recipient using the net banking service etc. It is also conceivable to notify that the remittance has been made via SNS. According to the remittance control system 1, compared to the conventional method, it is possible to specify the recipient and the amount of money to be sent by the sender and to notify the recipient at the SNS at a time. can do. In addition, since the remittance process is automatically executed when the payee performs the operation to receive the remittance, it is less time-consuming for the remitter and the payee than the conventional method in which the remittance is made after keeping in touch with each other. It can also be reduced more effectively.

  Further, for example, since the link 94 or 172 including the transaction number as an argument is transmitted, by selecting the link, the remittance of which remittance should be inquired when the recipient apparatus 40 accesses the remittance control system 1 is remittance. The control system 1 can specify. Further, by transmitting the SNS account from the remittance control system 1 to the AC system 20, the recipient to be notified can be specified by the SNS account.

  In addition, for example, by determining the user image 61 on the recipient designation screen 60 based on the receipt account information associated with the SNS account of the recipient, the recipient account information can be notified to the sender via the user image 61. . In particular, by changing the display mode of the user image 61, the sender can easily grasp the receiving account. More specifically, the user image 61 makes it easier to grasp whether the friend indicated by the user image 61 has the bank account as the receiving account or another bank account as the receiving account, or the friend registers the receiving account information in the first place. It becomes easy to grasp whether or not you are doing. For example, if the remittance fee differs depending on whether or not the receiving account is a bank account, or if the remittance fee differs depending on whether or not the receiving account information is registered, the remittance can remit money by looking at the user image 61. The fee can be grasped.

  In addition, for example, the recipient can ask a question to a friend who is the same as the sender, so he asks a relatively reliable friend and asks whether or not to receive the money based on the answer. Judgment can be made. In addition, for example, since the recipient can designate a new recipient from among the friends in common with the sender, it is possible to reduce the trouble of performing the remittance operation again. In addition, for example, the recipient can reduce the trouble of re-payment by requesting a change in the amount of money to be sent. Furthermore, by changing the remittance amount within the range of remittance designated by the remittance person, it is possible to prevent remittance due to insufficient balance.

[5. Modified example]
The present invention is not limited to the embodiment described above. Modifications can be made as appropriate without departing from the spirit of the present invention.

  For example, there may be a case where inquiry information as to whether or not to receive a remittance is not transmitted to the payee device 40. In this case, the remittance control system 1 causes the remittance device 30 to display the payee designation screen 60. It may be. In this way, even if the recipient is not inquired about whether or not to receive the remittance, the remittance can be identified from the user image 61 of the user's receipt account information as a candidate for the recipient. In this case, in the remittance control system 1, only the receipt account storage unit 202, the account information acquisition unit 205, and the recipient designation screen transmission unit 214 may be realized.

  For example, although the case where the remittance control system 1 determines the display mode of the user image 61 has been described, the remittance device 30 may determine the display mode of the user image 61. For example, the receivable account information of the user who has a friend relationship with the remittance is transmitted from the remittance control system 1 to the remittance device 30, and the control unit 31 of the remittance device 30 displays the user image 61 based on the receivable account information. The display information of the recipient designation screen 60 may be generated by determining the mode. The method for determining the display mode of the user image 61 and the method for generating the display information of the recipient designation screen 60 are the same as those described in the embodiment.

  Further, for example, when the recipient does not select the receipt button 107 or the receipt decline button 111 for a certain period, the remittance control system 1 may execute the withdrawal process of remittance indicated by the remittance information. . On the contrary, if the recipient does not select the receipt button 107 or the receipt decline button 111 for a certain period, the remittance control system 1 executes the remittance process of remittance indicated by the remittance information. May be. In addition, for example, a button indicating that the recipient does not select the remittance receipt button 107 or the receipt decline button 111 is prepared, and when that button is selected, a notification or message regarding the remittance is prepared. May not be sent to the recipient.

  Further, for example, in the above description, the remittance person has selected the recipient from among the friends in the SNS. However, the recipient may be able to select the recipient from other than the friend. When selecting a recipient from among users related to the sender, the recipient may be selected from the users who have sent the message instead of the friend. In addition, the sender may be able to specify a recipient who does not use the SNS. Furthermore, although the SNS account was mentioned as an example of the user identification information on SNS, the user identification information should just be the information which identifies the user who uses SNS.

  In addition, for example, the case where the message function is used to make an inquiry to the recipient as to whether or not to receive the remittance has been described as an example (FIGS. 6 and 13), but the inquiry is made using other functions in the SNS. It may be. A message indicating whether or not to receive a remittance should be notified to the recipient. For example, a posting function (so-called timeline, news feed, etc.) for each user to send information to other users May be used. The message here includes both the content notified by the message function and the content notified by the posting function. The posted content of each user may be viewable by an unspecified number of other users, or other specific users (for example, other users who have a predetermined relationship with the posted user or posted users) Only other users specified by may be viewable.

  FIG. 23 is a diagram illustrating an example of a posting screen for displaying posted content. A posting screen 190 shown in FIG. 23 is displayed on the display unit 45 when the recipient performs a predetermined operation. On the posting screen 190, posted contents of recipients and other users (for example, money senders) are displayed. In the screen example shown in FIG. 23, a remittance amount 191, a message 192, a transaction number 193, and a link 194 are displayed on the posting screen 190 as the posting contents of the sender. These contents themselves are the same as those described in the embodiment. In the example shown in FIG. 23, the posting content for inquiring whether or not to receive remittance can be viewed only by the sender and the recipient, but may be viewable by other users.

  In the above case, the AC system 20 stores data indicating the content posted by each user. This data is associated with information for identifying a posted user and posted contents (such as a character string and an image), and is updated when a posting is made. For example, when the remittance performs a remittance operation, the inquiry information transmission unit 208 sends a predetermined posting request to the AC system 20 together with the SNS account of the remittance and the payee. The posting request includes a remittance amount 191, a transaction number 193, and a link 194. Thereby, the AC system 20 can specify the posted content. When the AC system 20 receives the posting request, the AC system 20 generates the posting content and holds it in its storage unit. When the recipient performs a predetermined operation for displaying the posting screen 190, the AC system 20 reads data indicating the posting content, generates data for displaying the posting screen 190, and receives the recipient device. 40. When the recipient device 40 receives the data, the recipient device 40 displays the posting screen 190 on the display unit 45. The flow of processing after the posting screen 190 is displayed is the same as the flow described in the embodiment (the processing after S20 in FIG. 20). 23 is displayed when the recipient has registered as a user, but when the recipient has not registered as a user, the posting screen 190 similar to FIG. 16 is displayed on the display unit 45. It may be displayed to prompt the user registration of the recipient.

  As described above, the SNS posting function may be used to inquire the recipient whether or not to receive the remittance. Note that the message function and the posting function may be used properly. For example, it may be possible to specify which function the recipient uses. In this way, the remittance confirmation message can be viewed in a way that is easy for the recipient to confirm. In addition, for example, the remittance message may be notified by using a message function and a posting function that are more likely to be confirmed by the recipient. In this case, the AC system 20 stores data indicating the opening status of the message and the browsing status of the post, and based on this data, it is only necessary to determine the one that is likely to be confirmed by the recipient. Furthermore, both the message function and the posting function may be used.

  In addition, for example, the case where the recipient is notified on the SNS has been described. However, the notification may be made by a notification medium other than the SNS (for example, e-mail). Furthermore, although the case where the inquiry to the recipient is made by the receipt screen 100 or 180 has been described, the inquiry to the recipient may be made by another notification medium (for example, e-mail or the like).

  Further, for example, in the above description, when the remittance is instructed to remit, before the remittance processing is executed, the account balance of the remittance is decreased and the remittance information is registered in the transaction information database. 19 S14, S15, etc.), the timing at which the account balance of the sender is reduced is not limited to the above example. For example, the remittance control system 1 may not reduce the account balance of the remittance until the remittance process is executed. That is, at the time when the remittance is instructed and the remittance information is registered in the transaction information database, the remittance control system 1 does not decrease the account balance of the remittance, and the recipient performs an operation for receiving the remittance. When the remittance process is executed, the remittance control system 1 may decrease the account balance of the sender and increase the account balance of the recipient. In addition, for example, when the recipient performs an operation for receiving the remittance, the remittance control system 1 notifies the remittator of the response of the recipient and performs a predetermined operation for executing the remittance process. You may ask people. It is assumed that the notification and the predetermined operation are performed from a predetermined screen displayed on the remittance device 30. In this case, when the remittance control system 1 receives a notification that the predetermined operation has been performed from the remittance device 30, the remittance control system 1 executes remittance processing.

  1 Remittance Control System, 2 Network, 10 Remittance Control Server, 20 AC System, 30 Remittance Device, 40 Recipient Device, 11 Control Unit, 12 Storage Unit, 13 Communication Unit, 31 Control Unit, 32 Storage Unit, 33 Communication Unit , 34 operation unit, 35 display unit, 41 control unit, 42 storage unit, 43 communication unit, 44 operation unit, 45 display unit, 50 terms of use screen, 51 check box, 52 buttons, 60 recipient designation screen, 61 user image , 62 Predetermined area, 70 Remittance content input screen, 71 Recipient, 72 Account balance, 73 Input form, 74 Input form, 75 Remittance fee, 76 Input form, 77 Confirm button, 80 Remittance content confirmation screen, 81 Recipient, 82 Remittance amount, 83 message, 84 Remittance fee, 85 information, 86 Modify button, 87 Input file Form, 88 remittance button, 90 message display screen, 91 remittance amount, 92 message, 93 transaction number, 94 link, 100 receipt screen, 101 remittance date, 102 remittance, 103 remittance amount, 104 message, 105 inquiry button, 106 change Request button, 107 Receipt button, 108 Input form, 109 Question button, 110 Input form, 111 Receipt decline button, 112 Transfer button, 120 Question screen, 121 Friend image, 122 Input form, 123 Send button, 130 Change request screen, 131 Input form, 132 Input form, 133 Send button, 140 Question notification screen, 141 Question content, 142 Input form, 143 Send button, 150 Remittance decline screen, 151 message, 160 New recipient designation screen, 1 1 Friend Image, 162 Input Form, 163 Transfer Button, 170 Message Display Screen, 171 Message, 172 Link, 180 Receive Screen, 181 Bank Receive Button, 182 Other Line Receive Button, 190 Post Screen, 191 Remittance, 192 Message, 193 Transaction number, 194 link, 201 Information storage unit, 202 Receiving account storage unit, 203 Remittance information storage unit, 204 Information acquisition unit, 205 Account information acquisition unit, 206 Recipient information receiving unit, 207 Remittance information recording unit, 208 Inquiry information Sending part, 209 Reply information receiving part, 210 Remittance judging part, 211 Friend information receiving part, 212 Sender friend information receiving part, 213 Recipient friend information receiving part, 214 Recipient designation screen sending part, 215 Request sending part, 216 Question screen transmission part, 217 New recipient finger Screen transmission unit, 218 New recipient information receiving unit, 219 change request screen transmission unit, 220 change request receiving unit, 221 change processing execution section.

Claims (21)

Means for receiving user identification information from means for storing user identification information of a user associated with the sender, wherein the user identification information is for a user in an exchange system for a plurality of users to interact;
Means for acquiring storage contents of a receiving storage means for storing the user identification information and remittance receiving account information in association with each other;
Information of at least one user included in a recipient designation screen for designating a recipient who receives a remittance from among users related to the sender, the receipt account information associated with the user identification information of the user A screen transmission means for transmitting the display information of the recipient designation screen to the remittance device;
And recipient information receiving means for the receiving Tohito information of the recipient specified in the recipient specification screen, received from the remitter device,
Based on the recipient information, remittance information recording means for acquiring remittance information indicating the remittance content and recording the remittance information storage means;
Based on the remittance information, inquiry information transmitting means for transmitting inquiry information regarding receipt of remittance to the recipient device;
Reply information receiving means for receiving reply information to the inquiry from the recipient device;
Remittance means for executing processing for remittance based on the content of the remittance information based on the answer information;
A remittance control system comprising: Means for receiving user identification information from means for storing user identification information of a user associated with the sender, wherein the user identification information is for a user in an exchange system for a plurality of users to interact;
Screen transmission means for transmitting, to a sender apparatus, display information of a recipient designation screen for designating a recipient to receive a remittance from among users related to the sender based on the user identification information;
Recipient information receiving means for receiving the recipient information of the recipient designated on the recipient designation screen from the remittance device;
Based on the recipient information, remittance information recording means for acquiring remittance information indicating the remittance content and recording the remittance information storage means;
Based on the remittance information, inquiry information transmitting means for transmitting inquiry information regarding receipt of remittance to the recipient device;
Reply information receiving means for receiving reply information to the inquiry from the recipient device;
Remittance means for executing processing for remittance based on the content of the remittance information based on the answer information;
Means for receiving user identification information identifying a user associated with the recipient, the user being in the exchange system;
Based on the user identification information identifying a user associated with the sender and the user identification information identifying a user associated with the recipient, from among the user associated with the sender and the recipient Means for transmitting display information of a screen for designating a question partner to the recipient apparatus;
A remittance control system comprising: Means for receiving user identification information from means for storing user identification information of a user associated with the sender, wherein the user identification information is for a user in an exchange system for a plurality of users to interact;
Screen transmission means for transmitting, to a sender apparatus, display information of a recipient designation screen for designating a recipient to receive a remittance from among users related to the sender based on the user identification information;
Recipient information receiving means for receiving the recipient information of the recipient designated on the recipient designation screen from the remittance device;
Based on the recipient information, remittance information recording means for acquiring remittance information indicating the remittance content and recording the remittance information storage means;
Based on the remittance information, inquiry information transmitting means for transmitting inquiry information regarding receipt of remittance to the recipient device;
Reply information receiving means for receiving reply information to the inquiry from the recipient device;
Remittance means for executing processing for remittance based on the content of the remittance information based on the answer information;
Means for receiving said user identification information from means for storing user identification information of a user associated with said recipient who is a user in said exchange system;
Based on the user identification information identifying a user associated with the sender and the user identification information identifying a user associated with the recipient, from among the user associated with the sender and the recipient Means for transmitting display information of a new recipient designation screen for designating a new recipient to the recipient device;
Means for receiving new recipient information of the new recipient designated on the new recipient designation screen from the recipient device;
Including
The remittance means executes processing for the new payee to receive remittance based on the new payee information and the remittance information.
A remittance control system characterized by that. A recipient information receiving means for receiving recipient information of the recipient who receives the remittance from the sender device;
Based on the recipient information, remittance information recording means for acquiring remittance information indicating the remittance content and recording the remittance information storage means;
Based on the remittance information, inquiry information transmitting means for transmitting inquiry information regarding receipt of remittance to the recipient device;
Reply information receiving means for receiving reply information to the inquiry from the recipient device;
Remittance means for executing processing for remittance based on the content of the remittance information based on the answer information;
Means for transmitting display information of a change request screen for requesting change of the remittance amount indicated by the remittance information to the recipient apparatus;
Means for receiving the change request from the recipient device;
When the change request is received, a change process execution unit that executes a process for changing the remittance amount indicated by the remittance information;
A remittance control system comprising: The remittance control system is:
Means for causing the recipient device to display a link for accessing the remittance control system with identification information identifying the remittance information based on the recipient information;
The inquiry information transmitting means is configured to receive the inquiry information based on the remittance information identified by the identification information when the recipient apparatus that has received the link accesses the remittance control system with the identification information. To the recipient device,
The remittance control system according to any one of claims 1 to 4. The screen transmission means is configured to display an image display mode for designating at least one user included in the recipient designation screen as a recipient based on the receipt account information associated with the user identification information of the user. decide,
The remittance control system according to claim 1. The screen transmission means includes information for identifying whether or not the receiving account indicated by the receiving account information of at least one user included in the recipient designation screen is that of a predetermined bank, the user identification of the user Determining based on the receipt account information associated with the information;
The remittance control system according to claim 1 or 6. The screen transmission means associates information identifying whether or not at least one user included in the recipient designation screen has registered receipt account information in the receipt storage means with the user identification information of the user. Determined based on the receipt account information,
The remittance control system according to claim 1, 6, or 7. The remittance information recording means performs a process for reducing the gold's outstanding transmission based on the amount of remittance to the remittance information indicates,
The change process execution means executes a process for changing the remittance amount within the range of the remittance amount indicated by the remittance information.
The remittance control system according to claim 4. Receiving the user identification information from a means for storing user identification information of a user associated with the sender, wherein the user identification information is a user in an exchange system for a plurality of users to interact with, and
Obtaining storage contents of a receiving storage means for storing the user identification information and remittance receiving account information in association with each other;
Information of at least one user included in a recipient designation screen for designating a recipient who receives a remittance from among users related to the sender, the receipt account information associated with the user identification information of the user A screen transmission step for transmitting the display information of the recipient designation screen to the remittance device;
The receiving Tohito information of the recipient specified in the recipient specification screen, and recipient information receiving step of receiving from the remitter device,
Remittance information recording step of acquiring remittance information indicating the remittance content and recording it in the remittance information storage means based on the recipient information;
An inquiry information transmission step of transmitting inquiry information regarding receipt of the remittance to the recipient device based on the remittance information;
A response information receiving step for receiving response information for the inquiry from the recipient device;
Based on the answer information, a remittance step for executing a process for remittance with contents indicated by the remittance information;
The remittance control method characterized by including. Receiving the user identification information from a means for storing user identification information of a user associated with the sender, wherein the user identification information is a user in an exchange system for a plurality of users to interact with, and
A screen transmission step of transmitting display information of a recipient designation screen for designating a recipient who receives the remittance from among users related to the sender based on the user identification information;
Recipient information receiving step for receiving the recipient information of the recipient designated on the recipient designation screen from the remittance device;
Remittance information recording step of acquiring remittance information indicating the remittance content and recording it in the remittance information storage means based on the recipient information;
An inquiry information transmission step of transmitting inquiry information regarding receipt of the remittance to the recipient device based on the remittance information;
A response information receiving step for receiving response information for the inquiry from the recipient device;
Based on the answer information, a remittance step for executing a process for remittance with contents indicated by the remittance information;
Receiving user identification information identifying a user associated with the recipient, the user being in the exchange system;
Based on the user identification information identifying a user associated with the sender and the user identification information identifying a user associated with the recipient, from among the user associated with the sender and the recipient Transmitting display information of a screen for designating a question partner to the recipient device;
The remittance control method characterized by including. Receiving the user identification information from a means for storing user identification information of a user associated with the sender, wherein the user identification information is a user in an exchange system for a plurality of users to interact with, and
A screen transmission step of transmitting display information of a recipient designation screen for designating a recipient who receives the remittance from among users related to the sender based on the user identification information;
Recipient information receiving step for receiving the recipient information of the recipient designated on the recipient designation screen from the remittance device;
Remittance information recording step of acquiring remittance information indicating the remittance content and recording it in the remittance information storage means based on the recipient information;
An inquiry information transmission step of transmitting inquiry information regarding receipt of the remittance to the recipient device based on the remittance information;
A response information receiving step for receiving response information for the inquiry from the recipient device;
Based on the answer information, a remittance step for executing a process for remittance with contents indicated by the remittance information;
Receiving the user identification information from means for storing user identification information of a user associated with the recipient who is a user in the exchange system;
Based on the user identification information identifying a user associated with the sender and the user identification information identifying a user associated with the recipient, from among the user associated with the sender and the recipient Transmitting display information of a new recipient designation screen for designating a new recipient to the recipient device;
Receiving new recipient information of the new recipient designated on the new recipient designation screen from the recipient device;
Including
The remittance step executes a process for the new payee to receive a remittance based on the new payee information and the remittance information.
A remittance control method characterized by that. A recipient information receiving step of receiving recipient information of a recipient who receives the remittance from the sender device;
Remittance information recording step of acquiring remittance information indicating the remittance content and recording it in the remittance information storage means based on the recipient information;
An inquiry information transmission step of transmitting inquiry information regarding receipt of the remittance to the recipient device based on the remittance information;
A response information receiving step for receiving response information for the inquiry from the recipient device;
Based on the answer information, a remittance step for executing a process for remittance with contents indicated by the remittance information;
Transmitting display information of a change request screen for requesting change of the remittance amount indicated by the remittance information to the recipient device;
Receiving the change request from the recipient device;
When the change request is received, a change process execution step for executing a process for changing the remittance amount indicated by the remittance information;
The remittance control method characterized by including. Means for receiving user identification information from means for storing user identification information of a user associated with the sender, wherein the user identification information is for a user in an exchange system for interacting with a plurality of users;
Means for acquiring storage contents of a receiving storage means for storing the user identification information and remittance receiving account information in association with each other;
Information of at least one user included in a recipient designation screen for designating a recipient who receives a remittance from among users related to the sender, the receipt account information associated with the user identification information of the user A screen transmitting means for transmitting display information of the recipient designation screen to the remittance device;
Recipient information receiving means for the receiving Tohito information of the recipient specified in the recipient specification screen, received from the remitter device,
Remittance information recording means for acquiring remittance information indicating the remittance content based on the recipient information and recording it in the remittance information storage means;
Inquiry information transmitting means for transmitting inquiry information related to receipt of remittance to the recipient apparatus based on the remittance information;
Reply information receiving means for receiving reply information for the inquiry from the recipient device;
Remittance means for executing a process for remittance based on the content of the remittance information based on the answer information;
As a program to make the computer function as. Means for receiving user identification information from means for storing user identification information of a user associated with the sender, wherein the user identification information is for a user in an exchange system for interacting with a plurality of users;
Screen transmission means for transmitting, to the sender apparatus, display information of a recipient designation screen for designating a recipient who receives the remittance from among users associated with the sender based on the user identification information;
Recipient information receiving means for receiving the recipient information of the recipient designated on the recipient designation screen from the remittance device;
Remittance information recording means for acquiring remittance information indicating the remittance content based on the recipient information and recording it in the remittance information storage means;
Inquiry information transmitting means for transmitting inquiry information related to receipt of remittance to the recipient apparatus based on the remittance information;
Reply information receiving means for receiving reply information for the inquiry from the recipient device;
Remittance means for executing a process for remittance based on the content of the remittance information based on the answer information;
Means for receiving user identification information identifying a user associated with the recipient, the user being in the exchange system;
Based on the user identification information identifying a user associated with the sender and the user identification information identifying a user associated with the recipient, from among the user associated with the sender and the recipient Means for transmitting display information of a screen for designating a question partner to the recipient apparatus;
As a program to make the computer function as. Means for receiving user identification information from means for storing user identification information of a user associated with the sender, wherein the user identification information is for a user in an exchange system for interacting with a plurality of users;
Screen transmission means for transmitting, to the sender apparatus, display information of a recipient designation screen for designating a recipient who receives the remittance from among users associated with the sender based on the user identification information;
Recipient information receiving means for receiving the recipient information of the recipient designated on the recipient designation screen from the remittance device;
Remittance information recording means for acquiring remittance information indicating the remittance content based on the recipient information and recording it in the remittance information storage means;
Inquiry information transmitting means for transmitting inquiry information related to receipt of remittance to the recipient apparatus based on the remittance information;
Reply information receiving means for receiving reply information for the inquiry from the recipient device;
Remittance means for executing a process for remittance based on the content of the remittance information based on the answer information;
Means for receiving said user identification information from means for storing user identification information of a user associated with said recipient who is a user in said exchange system;
Based on the user identification information identifying a user associated with the sender and the user identification information identifying a user associated with the recipient, from among the user associated with the sender and the recipient Means for transmitting display information of a new recipient designation screen for designating a new recipient to the recipient device;
Means for receiving new recipient information of the new recipient designated on the new recipient designation screen from the recipient device;
As a program for causing a computer to function as
The remittance means executes processing for the new payee to receive remittance based on the new payee information and the remittance information.
A program characterized by that. Recipient information receiving means for receiving the recipient information of the recipient who receives the remittance from the sender device,
Remittance information recording means for acquiring remittance information indicating the remittance content based on the recipient information and recording it in the remittance information storage means;
Inquiry information transmitting means for transmitting inquiry information related to receipt of remittance to the recipient apparatus based on the remittance information;
Reply information receiving means for receiving reply information for the inquiry from the recipient device;
Remittance means for executing a process for remittance based on the content of the remittance information based on the answer information;
Means for transmitting display information of a change request screen for requesting change of the remittance amount indicated by the remittance information to the recipient apparatus;
Means for receiving the change request from the recipient device;
A change process executing means for executing a process for changing the remittance indicated by the remittance information when the change request is received;
As a program to make the computer function as. The remittance device according to claim 1.
Means for receiving display information of the recipient designation screen;
Means for displaying the recipient designation screen on a display means based on display information of the recipient designation screen;
Means for transmitting the recipient information of the recipient designated on the recipient designation screen to the remittance control system;
As a program to make the computer function as. The recipient device according to claim 2,
Means for receiving display information of a screen for designating a query partner from among users related to the sender and the recipient;
Based on the screen display information for designating a received the interrogation counterpart, means for displaying on the display means a screen for sending a message to the user associated with the remitter and the payee,
Means for sending the message entered by the recipient to the sender and the user associated with the recipient ;
Program to function as. Recipient device according to claim 3
Means for receiving display information of the new recipient designation screen;
Means for causing the display means to display the new recipient designation screen based on display information of the new recipient designation screen;
Means for transmitting new recipient information of the new recipient designated on the new recipient designation screen to the remittance control system;
Program to function as. Recipient device according to claim 4
Means for receiving display information of the change request screen;
Means for displaying the change request screen on a display means based on display information of the change request screen;
Means for transmitting the change request to the remittance control system;
Program to function as.

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