JP6654730B1 - Electronic money remittance program, electronic money remittance method, and electronic terminal - Google Patents

Abstract

An electronic money remittance operation is simplified, and convenience of handling electronic money is improved. An electronic money remittance program includes a step of displaying a remittance target icon 55 representing electronic money corresponding to a predetermined property value on a display unit 15 of an electronic terminal 10 (20); A) performing a remittance process of the selected remittance target icon 55a by at least one input operation to the operation unit 16). [Selection diagram] FIG.

Description

  The present invention relates to an electronic money remittance program, an electronic money remittance method, and an electronic terminal.

  In recent years, electronic money has been spreading as an alternative to cash. Electronic money is electronic data equivalent to currency, and various types of electronic money, such as a type using a card charged with electronic data and a type using an electronic terminal such as a mobile phone, are becoming widespread. (For example, Patent Document 1).

JP-T-2013-061792A

  In particular, in order to spread electronic money of a type using an electronic terminal, there is a demand for a device that simplifies the operation of the electronic terminal and is designed to be accepted by more people.

  The present invention provides a technique capable of simplifying a remittance operation of electronic money.

  One aspect of the present invention is a remittance program for electronic money, wherein a remittance target icon representing electronic money corresponding to a predetermined property value is displayed on a display unit of the electronic terminal, and a user operates the electronic terminal. And performing a remittance process for the selected remittance target icon by at least one input operation to the unit.

  One embodiment of the present invention relates to a method for remitting electronic money, in which a remittance target icon representing electronic money corresponding to a predetermined property value is displayed on a display unit of the electronic terminal, and a user operates the electronic terminal. And performing a remittance process of the selected remittance target icon by at least one input operation to the unit.

  One embodiment of the present invention is an electronic terminal capable of performing electronic money remittance processing, a display unit displaying a remittance target icon representing electronic money corresponding to a predetermined property value, and an operation for receiving a user's operation input And a remittance process of the selected remittance target icon can be executed only by at least one input operation to the operation unit by the user.

  ADVANTAGE OF THE INVENTION According to this invention, the remittance operation of electronic money is simplified and the convenience of handling electronic money is improved.

FIG. 1 is a network configuration diagram of an electronic money processing system to which the present invention is applied. It is a figure of a server and an electronic terminal in an electronic money processing system, (a) is a block diagram of a server, (b) is a block diagram of an electronic terminal. FIG. 4 is a flowchart showing a processing procedure of a method of remitting electronic money using an electronic terminal. The schematic diagram of the display part which displays the initial screen at the time of application start of electronic money. FIG. 5 is a schematic diagram of a display unit that displays an exchange detail screen displayed after designating a remittance partner in FIG. 4. FIG. 4 is a flowchart showing details of a remittance operation in step S4 in FIG. 3. FIG. 7 is a schematic diagram of a display unit that displays a remittance target icon list displayed when a remittance start button is touched in FIG. 6. The schematic diagram of the display part which displays the remittance target icon selected in FIG. FIG. 9 is a schematic diagram of a display unit that displays a detailed exchange screen after a remittance target icon is determined in FIG. 8.

  Hereinafter, specific embodiments of the present invention will be described in detail with reference to the drawings. FIG. 1 shows an example of an electronic money processing system to which the present invention is applied.

  The electronic money processing system 100 shown in FIG. 1 includes a first electronic terminal (electronic terminal) 10, a second electronic terminal (electronic terminal) 20, a server 30, and a network 40. The electronic money processing system 100 of the present embodiment transmits and receives electronic money corresponding to currency between the first electronic terminal 10 and the second electronic terminal 20.

  Although the first electronic terminal 10 and the second electronic terminal 20 of the present embodiment are so-called smartphones, their types are not particularly limited as long as they can handle electronic money. Although the first electronic terminal 10 and the second electronic terminal 20 are connected to the network 40 by wireless communication, they may be connected by wired communication. In particular, an application for handling electronic money is installed in the first electronic terminal 10 and the second electronic terminal 20 of the embodiment, and operations such as transmission / reception, payment, and charging of electronic money can be performed.

  The server 30 can be connected to the first electronic terminal 10 and the second electronic terminal 20 via a network 40. The server 30 processes electronic money in response to requests from the first electronic terminal 10 and the second electronic terminal 20. The network 40 is typically the Internet, but its type such as a LAN is not particularly limited.

  FIG. 2 is a diagram illustrating a configuration of the first electronic terminal 10 (second electronic terminal 20) and the server 30. FIG. 2A is a block diagram of the server 30, and FIG. FIG. 1 shows a block diagram of an electronic terminal 10. As shown in FIG. 2A, the server 30 includes a control unit 31, a receiving unit 33, a transmitting unit 34, and a user database 35. The control unit 31 is a computer processing device that controls the entire server 30 and includes a so-called processor such as a CPU (Central Processing Unit). The receiving unit 33 and the transmitting unit 34 are units that transmit and receive data from external devices such as the first electronic terminal 10 and the second electronic terminal 20 via the network 40. , Data can be transmitted and received to and from an external device.

  The user database 35 stores information on users who use electronic money using the first electronic terminal 10, the second electronic terminal 20, and the like. The user database 35 is linked to, for example, an electronic account held by each user in a bank by an API (Application Programming Interface), and can access balance information of each user's electronic account as needed. The user database 35 also holds a wallet of an application that handles electronic money, a so-called wallet, and also holds, for each user, balance information of a wallet that has been transferred from a bank electronic account to a wallet. However, some users do not have an electronic account. Such a user has, for example, balance information on electronic money received from another user in a wallet. The detailed specifications of the user database 35 are not particularly limited. In the present embodiment, the user database 35 is provided inside the server 30. However, the user database 35 may be provided in another server and communicate with the server 30 via the network 40.

  As shown in FIG. 2B, the first electronic terminal 10 includes a control unit 11, a memory 12, a reception unit 13, a transmission unit 14, a display unit 15, and an operation unit 16. The second electronic terminal 20 also has a configuration similar to that of FIG. The control unit 11 is a computer processing device that controls the entire first electronic terminal 10, and is configured by a so-called processor such as a CPU. The memory 12 includes a random access memory (RAM), a read only memory (ROM), and the like, and stores various programs and data read and executed by the control unit 11. In particular, the memory 12 of the present embodiment stores, for example, an electronic money application program downloaded by a user accessing a predetermined website in advance. Specifically, the application program is stored in the server 30 or another external device, and upon receiving a download request from the first electronic terminal 10 that has been operated by the user, the application program is stored in the server 30 or another external device. Transmits the application program to the first electronic terminal 10 and is stored in the memory 12.

  The receiving unit 13 and the transmitting unit 14 are units for transmitting and receiving data from an external device such as the second electronic terminal 20 and the server 30 via the network 40. The external device according to various communication methods such as wireless and wired. Can send and receive data.

  The display unit 15 includes an image display device that can display a still image and a moving image such as a liquid crystal display device and an organic EL (electro-luminescence), but the type is not particularly limited. The operation unit 16 is an input device by which a user performs an operation input to operate the first electronic terminal 10, and various devices such as a button, a mouse, an operation stick, a touch pad, and a touch panel are applied. In this case, an object such as an icon that can be selected and determined is applied. In particular, when the electronic terminal is a smartphone, the electronic terminal generally includes a touch panel that is disposed so as to overlap the display unit 15.

  FIG. 3 is a flowchart showing a processing procedure of an electronic money remittance method using the first electronic terminal 10 (or the second electronic terminal 20). Each procedure of the present method is performed, for example, by causing the control unit 11, which is a computer, to execute a remittance program for electronic money, which is a part of an electronic money application program stored in the memory 12. First, the user starts the application by touching the icon of the electronic money application displayed on the operation unit 16, for example, by operating the touch panel as the operation unit 16 (step S1). Thus, as shown in FIG. 4, the display unit 15 displays an initial screen when the application is started. On the initial screen, the other party display icon 50, the process selection unit 51, and the like are displayed.

  The other party display icon 50 displays a person who transmits and receives electronic money. Such a person is registered in the memory 12 of the first electronic terminal 10 in advance by the user of the first electronic terminal 10, for example. For example, the user of the first electronic terminal 10 transmits a link to a site from which an electronic money application can be downloaded to a friend, the friend approves the invitation, and downloads the application from the link. Is registered in the memory 12.

  The process selection unit 51 displays an area for selecting a category of electronic money process. In this example, three options of “send money”, “get money”, and “get at the shop” are displayed. In this example, to explain a method of remitting electronic money, the user touches and selects "Send money" displayed at the top. That is, the user can input and instruct what kind of electronic money processing is to be performed on the selected partner by selecting one of the partner display icons 50 and the option of the process selection unit 51. In this example, the process is to remit electronic money with Mr. A as the remittance destination (step S2).

  When Mr. A is selected, an exchange detail screen showing the exchange of electronic money with Mr. A is displayed (step S3). FIG. 5 is a screen display of the display unit 15 displaying such an exchange detail screen. The exchange detail screen is displayed by an operation history icon 52 having a design imitating a Japanese yen coin which is a legal currency having property value. Is displayed. In this example, for example, the exchange of 50 yen has been remitted on June 13, that 1 yen has been remitted, and the expiration date is June 30 is shown. However, displaying the exchange details screen is not essential.

  Next, the user performs a money transfer operation by operating the touch panel, which is the operation unit 16, while viewing the display unit 15 (step S4). FIG. 6 is a flowchart showing details of the remittance operation in step S4 in FIG.

  When the user touches the remittance start button 53 as a remittance start unit also displayed on the screen in FIG. 5 with a finger, the display unit 15 displays a remittance target icon list 54 which is a candidate list of electronic money to be remitted ( Step S41). FIG. 7 shows this state, and the remittance target icon list 54 is displayed with a plurality of remittance target icons 55 arranged. In the present embodiment, the remittance target icon 55 is a 500 yen coin, a 100 yen coin, a 50 yen coin, a 10 yen coin, a 5 yen coin, and a 1 yen coin. It is possible to intuitively grasp the remittance target.

  The user keeps his finger on the display unit 15 while keeping the finger touching the remittance start button 53, and slides and stops the finger on the display unit 15 to the remittance target icon 55a of the 100 yen coin, so that the 100 yen coin Can be selected (step S42). FIG. 8 shows a state in which the remittance target icon 55a is selected. In order to clarify that the remittance target icon 55a of the 100 yen coin is selected, the icon display of the 100 yen coin is enlarged and the diagonally arranged icon is displayed. It has become. In this way, the user can select one remittance target icon for which remittance is desired without performing a complicated operation.

  By releasing the finger from the display unit 15 when the user places the finger on the remittance target icon 55a, the remittance of the remittance target icon 55a can be determined (step S43). FIG. 9 shows a state in which the remittance of the remittance target icon 55a is determined. In order to clarify that the 100 yen coin has been determined as the remittance target, the operation history icon 52a of the new 100 yen coin is replaced with the original operation history. The icon 52 has been added. In steps S41 to S43 in FIG. 6, the user can complete the remittance process by one input operation without releasing the finger once placed on the display unit 15 from the display unit 15.

  Finally, the remittance process to Mr. A is completed simultaneously with the end of step S43 (step S5).

  As described above, the electronic money remittance program of the present embodiment includes a step of displaying the remittance target icon 55 representing the electronic money corresponding to a predetermined property value on the display unit 15 of the electronic terminal 10 (20); A step of performing a remittance process of the selected remittance target icon 55a by at least one input operation to the operation unit 16 of the terminal 10 (20).

  This simplifies the operation of remittance of electronic money by the electronic terminal, makes it easy for many people to handle electronic money, and is expected to make electronic money more major.

  More specifically, the program displays the remittance target icon 55 on the display unit 15, selects the remittance target icon 55, and selects the selected remittance target icon 55a by at least one input operation on the operation unit 16 by the user. And causing the computer to execute the remittance process. Thereby, the remittance operation of the electronic money can be easily grasped visually and the operation can be simplified.

  Further, when the remittance target icon 55 has a design imitating legal currency, the user can handle electronic money with a feeling similar to that of handling cash, and electronic money becomes familiar to many people. The feeling of change is also improved.

  Typically, it is a touch panel in which the operation unit 16 is disposed so as to overlap the display unit 15. In this case, when the user touches the remittance start button (remittance start unit) 53 displayed on the display unit 15 with a finger, a step of displaying a plurality of remittance target icons 55 on the display unit 15 is displayed. A step of selecting the remittance target icon 55 by sliding to one remittance target icon 55 without releasing from the unit 15, and performing a remittance process on the remittance target icon 55a by releasing a finger from the selected remittance target icon 55a And causing the computer to execute the steps. In other words, by fully utilizing the characteristics of the touch panel that is operated by a finger, the remittance operation of electronic money can be saved.

  The present embodiment also provides a method for remitting electronic money, in which a remittance target icon 55 representing electronic money corresponding to a predetermined property value is displayed on the display unit 15 of the electronic terminal 10 (20). And performing a remittance process for the selected remittance target icon 55 only by at least one input operation on the operation unit 16 of the electronic terminal 10 (20) by the user. This simplifies the operation of remittance of electronic money by the electronic terminal, makes it easy for many people to handle electronic money, and is expected to make electronic money more major.

  Further, the first electronic terminal 10 (or the second electronic terminal 20) of the present embodiment can perform various kinds of processing of electronic money, but in particular, saves remittance processing. The display unit 15 displays a remittance target icon 55 representing electronic money corresponding to a predetermined property value, and the user can operate the operation unit 16. Then, the remittance processing of the remittance target icon 55a selected on the display unit 15 can be executed by at least one input operation to the operation unit 16 by the user. “One input operation” refers to an operation section from once touching the operation unit 16 with a part of the human body to thereafter releasing the part of the human body from the operation unit 16. When 16 is a touch panel, it is an operation section from placing a finger on the display unit to releasing the finger.

  This simplifies the operation of remittance of electronic money by the electronic terminal, makes it easy for many people to handle electronic money, and is expected to make electronic money more major.

  Specifically, the display of the remittance target icon 55 on the display unit 15, the selection of the remittance target icon 55a, and the remittance processing of the selected remittance target icon 55a can be executed by at least one input operation. This makes it easy to visually grasp the electronic money remittance operation and simplifies the operation.

  Further, when the remittance target icon 55 has a design imitating legal currency, the user can handle electronic money with a feeling similar to that of handling cash, and electronic money becomes familiar to many people. The feeling of change is also improved.

  Typically, it is a touch panel in which the operation unit 16 is disposed so as to overlap the display unit 15. In this case, when the user touches the remittance start button 53 displayed on the display unit 16 with a finger, a plurality of remittance target icons 55 are displayed on the display unit 15, and The remittance target icon 55a is selected by sliding to the remittance target icon 55, and the remittance target icon 55a is remitted by releasing the finger from the selected remittance target icon 55a. In other words, by fully utilizing the characteristics of the touch panel that is operated by a finger, the remittance operation of electronic money can be saved.

  In the above-described embodiment, the application wallet is described as being held in the server 30. However, the electronic wallet may be held in the memory 12, for example, by each electronic terminal. In the above-described embodiment, the information of the other party, such as a friend who is the remittance destination, is described as being registered in the memory 12. However, the information is stored in an external device such as the server 30 and is read out each time the application is activated. It may be. In addition, the remittance destination does not need to be an individual, but may be any store, financial institution, various corporations, and the like.

  In the present embodiment, the operation history icon 52, the remittance target icon list 54, and the remittance target icon 55 have a design imitating a Japanese yen coin, which is a legal currency, but have a design imitating a Japanese yen bill. It may have a design imitating not only Japanese yen, but also coins and banknotes of other legal currencies such as dollar, euro, renminbi, etc. Further, the operation history icon 52, the remittance target icon list 54, and the remittance target icon 55 can play their role as long as they represent some economic value, that is, a predetermined property value. For example, securities having property value, A design imitating a token, a cryptographic asset or the like may be adopted.

  Note that the present invention is not limited to the above-described embodiment, and can be appropriately modified and improved. In addition, the material, shape, dimension, numerical value, form, number, location, and the like of each component in the above-described embodiment are arbitrary and not limited as long as the present invention can be achieved.

10 1st electronic terminal (electronic terminal)
Reference Signs List 11 control unit 12 memory 13 reception unit 14 transmission unit 15 display unit 16 operation unit 20 second electronic terminal (electronic terminal)
30 server 31 control unit 33 reception unit 34 transmission unit 35 user database 40 network 50 partner display icon 51 process selection unit 52 operation history icon 53 remittance start button (remittance start unit)
54 Remittance target icon list 55 Remittance target icon 100 Electronic money processing system

Claims (4)

An electronic money remittance program,
By the transfer start section that is displayed on the display unit which is arranged to overlap the touch panel of the electronic terminal user touches with a finger, the display unit a plurality of transfer target icon representing the electronic money corresponding to a predetermined property value Steps to be displayed on the
Selecting the remittance target icon by sliding the touched finger to one remittance target icon without releasing from the display unit;
Releasing the finger from the selected remittance target icon to remit electronic money corresponding to the remittance target icon;
Money remittance program that causes a computer to execute. The electronic money remittance program according to claim 1 ,
The remittance target icon has a design imitating a legal currency,
Electronic money remittance program. Electronic money remittance method,
By the transfer start section that is displayed on the display unit which is arranged to overlap the touch panel of the electronic terminal user touches with a finger, the display unit a plurality of transfer target icon representing the electronic money corresponding to a predetermined property value Steps to display in the
Selecting the remittance target icon by sliding the touched finger to one remittance target icon without releasing from the display unit;
Releasing the finger from the selected remittance target icon to remit electronic money corresponding to the remittance target icon;
A remittance method of electronic money, which is executed by a computer of the electronic terminal . An electronic terminal capable of electronic money remittance processing,
A control unit;
A display unit for displaying a remittance target icon representing electronic money corresponding to a predetermined property value,
A touch panel superimposed on the display unit,
With
The control unit includes:
A step of displaying a plurality of remittance target icons on the display unit by a user touching a remittance start unit displayed on the display unit with a finger;
Selecting the remittance target icon by sliding the touched finger to one remittance target icon without releasing from the display unit;
Releasing the finger from the selected remittance target icon to remit electronic money corresponding to the remittance target icon;
Electronic terminal to run .

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