JP6837171B2 - Deposit management device, deposit management method and deposit management program - Google Patents

Description

The present invention relates to a deposit management device, a deposit management method and a deposit management program.

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

Japanese Unexamined Patent Publication No. 8-22148

By the way, even when the account is an account for electronic money, the account for electronic money may be used for depositing money to another account. On the other hand, electronic money service providers are required to regulate the cashing of electronic money from electronic money services and increase the usage rate of electronic money services.

Therefore, the present invention has been made in view of these points, and an object of the present invention is to provide a deposit management device, a deposit management method, and a deposit management program capable of increasing the utilization rate of an electronic money service.

The deposit management device according to the first aspect of the present invention associates the acquisition unit for acquiring the deposit amount into the user's electronic money account and the user's telephone number from the deposit requester with the telephone number. The deposit processing unit that performs the deposit processing of the deposit amount to the electronic money account having the account number, and the electronic money account different from the electronic money account of the user from the user. When accepting a deposit request to another account of a user, the acceptance of the deposit request up to the depositable amount set for the other account in the balance of the electronic money account. It has a part and.

When the reception unit receives a request from the user to deposit money from the user's account for electronic money to another account of the user different from the account for electronic money, the reception unit deposits by a predetermined deposit method. The deposit request is accepted up to the balance of the deposit amount, and the deposit amount deposited in the electronic money account by a deposit method different from the predetermined deposit method is deposited in the other account. May be restricted.

The reception unit determines whether or not the user has a predetermined account as the other account, and if it determines that the user has the predetermined account, requests for payment to the other account. You may accept it.

The reception unit may accept a request for payment to the other account when the payment to the electronic money account has been made from a predetermined payment request source.

When depositing money from the user's electronic money account to the other account, the deposit processing unit does not collect a fee when the other account is a predetermined account, and the other account does not collect a fee. You may collect a fee when you are not in the designated account.

The deposit management method according to the second aspect of the present invention includes a step executed by a computer to acquire the deposit amount to the user's electronic money account and the user's telephone number from the deposit requester, and the above. The step of depositing the deposit amount into the electronic money account of the account number associated with the telephone number, and the electronic money account from the user to the electronic money account of the user. When accepting a deposit request to another account of a different user, the deposit request is made up to the depositable amount set for the other account in the balance of the electronic money account. It has a step to accept and.

The deposit management program according to the third aspect of the present invention is an acquisition unit for acquiring a computer from a deposit requester to an account for electronic money of a user and a telephone number of the user, the telephone number. A deposit processing unit that performs deposit processing of the deposit amount to the electronic money account of the account number associated with, and from the user to the electronic money account of the user to the electronic money account. When accepting a request for deposit to another account of the different user, the request for deposit is made up to the amount of the depositable amount set for the other account among the balance of the account for electronic money. It functions as a reception unit that accepts.

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

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

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

The deposit management device 1 includes a telephone number of the user to whom the deposit is made and information indicating the amount of money to be deposited into the electronic money account of the user from the request source terminal 2 such as a personal computer or a smartphone used by the deposit requester. Accepts payment requests ((1) in Fig. 1). Here, the payment request source is, for example, a company that refunds to the user, a company that gives electronic money to the user as a privilege, an administrative agency that provides the user with a predetermined benefit by electronic money, and an auction by the user. It is the sales destination of the product sold by the user, the user's family and friends, the user himself, etc. In the present embodiment, unless otherwise specified, the payment request source is not the user himself / herself. Further, although not shown, when the user himself / herself makes a payment, the payment request may be accepted from the user terminal 3.

The deposit management device 1 determines whether or not there is an electronic money account for the user corresponding to the telephone number specified in the deposit request ((2) in FIG. 1), and if it is determined that the account exists, the relevant account is applicable. The deposit to the account is processed ((3) in Fig. 1).
By doing so, the payment requester can easily make a payment to the user by specifying the user's telephone number without specifying the user's account number.

The deposit management device 1 transmits the deposit completion information indicating that the deposit process is completed to the requesting terminal 2 in response to the deposit process being performed. Further, the deposit management device 1 determines that the user does not have an account for electronic money, and if the deposit process cannot be performed, the requesting terminal receives error information indicating that the deposit process cannot be performed. Send to 2. Further, the payment management device 1 identifies the contact information of the user and transmits the payment completion information or the error information to the user terminal 3 such as a smartphone corresponding to the contact information ((4) in FIG. 1).

By operating the user terminal 3, the user logs in to the electronic money service by transmitting the user ID as the user identification information for identifying the user and the password corresponding to the user ID to the payment management device 1. , Check the balance of the user's electronic money account and the deposit / withdrawal history.

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

The deposit management device 1 determines whether or not the user of the user terminal 3 has an account at a predetermined bank ((6) in FIG. 1). When the deposit management device 1 determines that the account of the predetermined bank exists, the deposit management device 1 accepts the designation of the deposit amount from the user terminal 3 and performs the deposit process to the account of the predetermined bank ((7) of FIG. 1). ).

The deposit management device 1 transmits the deposit completion information to the user terminal 3 in response to the deposit processing to the account of the predetermined bank ((8) in FIG. 1).
By doing so, when the user has multiple accounts such as an electronic money account and a predetermined bank account, the user can easily operate from the electronic money account to the predetermined bank account. You can deposit to.

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

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

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

FIG. 3 is a diagram showing an example of information stored in the user information storage unit 121. As shown in FIG. 3, the user information storage unit 121 stores a user ID, a user name, a user's telephone number, a user's contact information, and information indicating the presence or absence of a predetermined bank account in association with each other. Here, the telephone number is a telephone number assigned to the user terminal 3. The contact information is an e-mail address associated with the user terminal 3. "None" is stored as an initial state in the presence or absence of a predetermined bank account. The presence or absence of a predetermined bank account is updated from "none" to "yes", for example, when the control unit 13 receives the designation of the account number of the predetermined bank from the user.

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

Here, the account number is, for example, a number having a predetermined number of digits attached to the prepaid card in order to identify the prepaid card. When the account number associated with the user ID is "-", it means that the user with the user ID does not have the prepaid card.

FIG. 5 is a diagram showing an example of deposit / withdrawal history. The deposit / withdrawal history shown in FIG. 5 corresponds to the user ID “TARO97” in FIG. As shown in FIG. 5, in the deposit / withdrawal history, the date when the deposit / withdrawal was made, the classification of the deposit / withdrawal, the deposit / withdrawal amount, the request source identification information for identifying the deposit request source, or the withdrawal destination identification for identifying the withdrawal destination. Information, deposit methods, and balances after deposits and withdrawals are associated.

In the present embodiment, when the electronic money is withdrawn, the amount deposited earlier is assigned to the withdrawal. In the example shown in FIG. 5, deposits were made on May 11, 2015 and May 12, 2015, respectively, but withdrawals on May 13, 2015 were deposited on May 11, 2015. It shall be allocated from the amount. The deposit management device 1 stores the balance of electronic money for each deposit, and at the time of withdrawal of electronic money, the current balance is calculated by subtracting the withdrawal amount from the balance corresponding to the deposit to which the withdrawal is assigned. , It is possible to manage which deposit corresponds to the balance.

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

The acquisition unit 131 acquires the request source identification information, the amount to be deposited in the electronic money account, the telephone number of the deposit destination user, and the deposit method from the request source terminal 2 of the deposit request source. For example, when the user of the requesting terminal 2 logs in to the electronic money service and accepts the operation of making a deposit, the acquisition unit 131 causes the requesting terminal 2 to display the deposit screen shown in FIG. 6A. In FIG. 6A, an input field for the telephone number of the deposit destination, an input field for the deposit amount, and a confirmation button displaying "Next" are provided. When the confirmation button is selected with the telephone number and the deposit amount entered in each input field, the acquisition unit 131 uses the requester identification information associated with the user of the requester terminal 2 in advance and the electronic money. Obtain the deposit amount to the account, the telephone number of the user to whom the deposit is made, and the deposit method.

Here, if the user of the requesting terminal 2 and the user corresponding to the input telephone number are different, the payment method is "transfer from another person". In addition, when the user makes a deposit to his / her prepaid card at a store or the like, the deposit method is "cash charge", and when the user makes a deposit from the prepaid card management screen (not shown), the deposit is made. The method is "transfer charge".

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

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

When the determination unit 132 determines that the user's account number is stored, the deposit processing unit 133 processes the deposit amount acquired by the acquisition unit 131 into the account corresponding to the account number. Specifically, the deposit processing unit 133 determines that the determination unit 132 stores the user's account number, and when the acquisition unit 131 acquires the payment instruction information, the account information storage unit 122 stores the user's account number. The balance associated with is increased by the deposit amount acquired by the acquisition unit 131. Further, the deposit processing unit 133 stores the deposit date, the deposit / withdrawal category "deposit", the deposit amount, the requester identification information, and the deposit method in association with each other as the deposit / withdrawal history.

When the determination unit 132 determines that the account number of the user's electronic money account is stored, the notification unit 134 notifies the payment requester of the payment completion information in response to the payment processing being performed. By doing so, the deposit requester can confirm that the deposit has been normally made to the electronic money account.

Further, when the notification unit 134 determines that the account number of the user's electronic money account is not stored, the notification unit 134 notifies the payment requester of error information indicating that the payment processing cannot be performed. By doing so, the payment requester can grasp that the payment could not be made and take measures such as contacting the user.

Further, the notification unit 134 refers to the user information storage unit 121 and identifies the contact information of the user associated with the telephone number acquired by the acquisition unit 131. Then, when the determination unit 132 determines that the account number of the user's electronic money account is stored, the notification unit 134 sends the payment completion information to the user's contact information in response to the payment processing being performed. Notice. By doing so, the user can confirm that the payment has been made to the electronic money account.

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

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

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

When the user has an account of a predetermined bank, the reception unit 136 accepts the payment from the account for electronic money to the account of the predetermined bank. Specifically, the reception unit 136 can be used from the user terminal 3 when the user has an account at a predetermined bank and the payment is made from the predetermined payment requester to the electronic money account. , Accepts the deposit to the designated bank account. Here, the predetermined payment request source is a payment request source different from the user of the user terminal 3, and is, for example, a company, a local government, an acquaintance of the user, or the like.

More specifically, when the reception unit 136 receives a payment request from the user terminal 3 to the account of a predetermined bank for the balance of the electronic money account, the user refers to the user information storage unit 121 and determines the user. Determine if you have a bank account.

When the reception unit 136 determines that the user does not have an account at a predetermined bank, the reception unit 136 outputs error information indicating that the user does not have an account at the predetermined bank and cannot make a deposit to the account at the predetermined bank. Send to 3.

Further, when the reception unit 136 determines that the user has an account of a predetermined bank, the reception unit 136 refers to the deposit / withdrawal history stored in the account information storage unit 122, and makes a deposit related to the deposit corresponding to the current balance. Identify the requester and the deposit amount. Then, when the specified deposit request source includes a predetermined deposit request source, the reception unit 136 can use the electronic money account up to the deposit amount associated with the predetermined deposit request source. Accepts deposits to the designated bank account.

For example, in the example of the deposit / withdrawal history shown in FIG. 5, the current balance of 2,500 yen is 1,500 yen out of the deposit amount of 2,000 yen on May 11, 2015, and that of May 12, 2015. It corresponds to a deposit amount of 1,000 yen. Here, since the deposit on May 11, 2015 corresponds to the predetermined deposit request source, not the deposit by the user himself, the reception unit 136 is a part of the deposit amount on May 11, 2015 1, We accept deposits from electronic money accounts to designated bank accounts up to 500 yen.

FIG. 7 is an example of a reception screen for accepting the transfer of the balance to the account of a predetermined bank. As shown in FIG. 7, on the reception screen, an input field for the amount of money that can be transferred to a predetermined bank, an amount to be transferred to a predetermined bank, and a deposit button that says "Deposit" are displayed. Has been done. On the reception screen shown in FIG. 7, when the deposit button is selected with the amount entered, the reception unit 136 accepts the deposit amount to the account of the predetermined bank.

The deposit processing unit 133 processes the deposit from the electronic money account to the account of the predetermined bank in response to the receipt of the deposit by the reception unit 136. By doing so, the user can move the balance of the electronic money to a predetermined bank and cash the electronic money.

When the reception unit 136 accepts the deposit from the first deposit requester to the account of the predetermined bank, the deposit processing unit 133 collects a fee when processing the deposit to the account of the predetermined bank. It does not have to be. In addition, when the reception unit 136 accepts the deposit from the second deposit requester to the account of the predetermined bank, the deposit processing unit 133 charges a fee when processing the deposit to the account of the predetermined bank. You may collect it. That is, when the deposit processing unit 133 transfers the deposit from the second deposit requester to the account of a predetermined bank, the amount to be transferred and the fee are subtracted from the balance of the electronic money account. You may.

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

[Flow of processing related to payment request from payment requester]
Subsequently, the flow of processing in the deposit management device 1 will be described. First, the flow of processing related to the payment request from the payment request source will be described. FIG. 8 is a sequence diagram showing a flow of processing related to payment from the payment requester. In this sequence, it is assumed that the payment request source is not the user himself / herself.

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

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

When the determination unit 132 determines that the user's electronic money account information is available, the deposit processing unit 133 performs a deposit process that increases the balance associated with the user's account number by the deposit amount acquired by the acquisition unit 131. Do (S3).
After that, the notification unit 134 transmits the payment completion information indicating that the payment process is completed to the request source terminal 2 and the user terminal 3.

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

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

When the reception unit 136 determines that the user has an account of a predetermined bank, the reception unit 136 refers to the deposit / withdrawal history stored in the account information storage unit 122 to specify the transferable amount to the predetermined bank account. (S12), the reception screen for accepting the movement amount up to the movable amount is transmitted to the user terminal 3.

The user terminal 3 accepts the input of the transfer amount from the user to the predetermined bank account via the reception screen (S13), and receives the transfer amount according to the selection of the deposit button provided on the reception screen. It is transmitted to the deposit management device 1.

When the reception unit 136 of the deposit management device 1 receives the deposit to the account of the predetermined bank by receiving the transfer amount, the deposit processing unit 133 deposits the money from the electronic money account to the account of the predetermined bank. Process (S14). When the deposit processing is completed, the deposit processing unit 133 transmits the deposit completion information to the user terminal 3.

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

By doing so, the payment requester can easily make a payment to the user by specifying the user's telephone number without specifying the user's account number. Further, for example, when the user has a plurality of accounts, the user can make a deposit by designating the telephone number corresponding to the electronic money account as the information indicating the account of the deposit destination to the deposit requester. Payments from the requester can be centrally managed with an electronic money account. Then, the user can easily deposit money from the electronic money account to another account as needed.

Further, when the deposit management device 1 determines that the account number of the electronic money account is stored, the deposit management device 1 notifies the deposit requester that the deposit process has been performed in response to the deposit process being performed. If it is determined that the account number is not stored, the deposit requester is notified of error information indicating that the deposit process cannot be performed. By doing so, the deposit requester can grasp whether or not the deposit corresponding to the deposit request has been made.

In the first embodiment, the payment management device 1 notifies the requesting terminal 2 of the payment completion information and the error information, but other information may be notified. For example, in the notification unit 134, when the user of the deposit destination does not have an account of a predetermined bank, the user does not have an account of a predetermined bank on the requesting terminal 2, and the amount of money deposited. You may notify that the electronic money of the bank cannot be cashed.

Further, the acquisition unit 131 has acquired the request source identification information, the amount to be deposited in the electronic money account, the telephone number of the deposit destination user, and the deposit method from the request source terminal 2 of the deposit request source. , In addition, you may get a part of the user's name (for example, the first two characters). Then, when the user information storage unit 121 stores the telephone number acquired by the acquisition unit 131 and a part of the user's name in association with each other, the determination unit 132 stores the user ID associated with the telephone number. And the account number associated with the telephone number may be specified in the account information storage unit 122. By doing so, it is possible to prevent erroneous payment to users from different payment request sources.

<Second embodiment>
[Allow deposits to other accounts based on the deposit method]
Subsequently, the deposit management device 1 according to the second embodiment will be described. The deposit management device 1 according to the second embodiment is different from the first embodiment in that deposits to other accounts are permitted based on the deposit method, and is the same in other respects. Hereinafter, a part different from the first embodiment will be described. The same parts as those of the first embodiment will be omitted as appropriate.

In the second embodiment, the reception unit 136 accepts the deposit amount deposited in the electronic money account by the predetermined deposit method to an account (another account) different from the electronic money account. Here, the other accounts include, in addition to the predetermined bank account owned by the user, the account of another bank owned by the user, the account of another prepaid card owned by the user, and the account of the predetermined bank owned by the other user. , Other bank accounts owned by other users, prepaid card accounts owned by other users, and other prepaid card accounts owned by other users.

The reception unit 136 refers to the deposit / withdrawal history stored in the account information storage unit 122, and specifies a predetermined deposit method and a deposit amount among the deposit methods related to the deposit corresponding to the current balance. Here, the predetermined deposit method is, for example, "transfer from another person". Then, the reception unit 136 accepts the deposit from the electronic money account to another account up to the deposit amount associated with the predetermined deposit method.

For example, in the example of the deposit / withdrawal history shown in FIG. 5, the current balance of 2,500 yen is 1,500 yen out of the deposit amount of 2,000 yen on May 11, 2015, and that of May 12, 2015. It corresponds to a deposit amount of 1,000 yen. Here, since the deposit method for the deposit on May 11, 2015 is "transfer from another person", the reception department 136 pays 1,500 yen, which is a part of the deposit amount on May 11, 2015. As an upper limit, we accept deposits from electronic money accounts to other accounts.

When the reception unit 136 receives the operation of depositing the electronic money account into another account from the user terminal 3, as shown in FIG. 10, the reception unit 136 receives the reception screen for accepting the transfer of the balance to the other account. Is displayed, and the designation of another account and the deposit amount to the other account are accepted. In FIG. 10, it can be confirmed that the electronic money can be deposited from the electronic money account to another account up to 1,500 yen, which is a part of the deposit amount on May 11, 2015. In FIG. 10, the financial institution name and the telephone number are specified as the information indicating other accounts, but the present invention is not limited to this, and the financial institution name and the account number may be specified. ..

In the present embodiment, the deposit amount deposited in the electronic money account by the predetermined deposit method is accepted to be deposited in another account, but the predetermined deposit method differs depending on the user of the prepaid card. May be good. For example, when a company uses an electronic money service to provide refunds or a government agency provides benefits, these users use a "transfer charge" to the prepaid card account. After making a deposit, the balance of the account is used to make a deposit to the user or the like of the user terminal 3. Therefore, for example, when a company or an administrative agency uses an electronic money service, the predetermined deposit method includes other deposit methods such as "transfer charge" in addition to "transfer from another person". It may be possible to do so.

[Effect in the second embodiment]
As described above, the deposit management device 1 according to the second embodiment is different from the electronic money account in that the deposit amount deposited from the user terminal 3 into the electronic money account by a predetermined deposit method. Accepts deposits to your account. By doing so, the user of the user terminal 3 can easily deposit the deposit amount deposited by the predetermined deposit method out of the balance of the electronic money account to another account.

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

Although the present invention has been described above using the embodiments, the technical scope of the present invention is not limited to the scope described in the above embodiments. It will be apparent to those skilled in the art that various changes or improvements can be made to the above embodiments. For example, in the above-described embodiment, the deposit management device 1 acquires the user's telephone number from the requesting terminal 2 and makes a deposit to the account number of the electronic money account corresponding to the telephone number. I decided, but it is not limited to this. For example, the deposit management device 1 may make a deposit to the account number of the electronic money account corresponding to the user ID by acquiring the user ID corresponding to the user from the requesting terminal 2. ..

Further, in particular, the specific embodiments of the distribution / integration of the devices are not limited to those shown above, and all or a part thereof may be arbitrarily added according to various additions or functional loads. It can be functionally or physically distributed / integrated in units. For example, in the above-described embodiment, the deposit management device 1 has been described as one device, but the present invention is not limited to this. For example, the deposit management device 1 may be composed of a user information storage unit 121, a contractor management server that stores a bank account, and an electronic money management server that stores an account information storage unit 122. In this case, the contractor management server obtains the requester identification information, the amount to be deposited in the electronic money account, the telephone number of the user to whom the deposit is made, and the deposit method from the deposit requester. Accepts deposits to electronic money accounts. Then, when the deposit method indicates the deposit to the predetermined bank, the contractor management server performs the deposit process to the account of the predetermined bank based on the bank account that it remembers. Further, when the deposit method indicates the deposit to the account for electronic money, the contractor management server identifies the user ID by referring to the user information storage unit 121, and identifies the identified user ID and the electronic money. By sending the deposit request information including the deposit amount to the account to the electronic money management server, the deposit request is made to the electronic money management server.

1 ... Payment management device, 11 ... Communication unit, 12 ... Storage unit, 121 ... User information storage unit, 122 ... Account information storage unit, 13 ... Control unit, 131 ... -Acquisition unit, 132 ... Judgment unit, 133 ... Payment processing unit, 134 ... Notification unit, 135 ... Bonus granting unit, 136 ... Reception department, 2 ... Requesting terminal, 3・ ・ ・ User terminal

Claims (6)

An acquisition unit that acquires the amount of money to be deposited into the user's electronic money account and the user's telephone number from the payment requester.
A deposit processing unit that performs deposit processing of the deposit amount to the electronic money account of the account number associated with the telephone number, and
When receiving a request from the user for depositing money from the user's account for electronic money to another account of the user different from the account for electronic money, the account for electronic money is used by a predetermined deposit method. The electronic money is accepted by using the balance of the deposit amount deposited in the electronic money as the upper limit of the depositable amount set for the other account, and using a deposit method different from the predetermined deposit method. The reception department that restricts the deposit of the deposit amount to the other account, which was deposited in the account for
A deposit management device equipped with. The reception unit determines whether or not the user has a predetermined account as the other account, and if it determines that the user has the predetermined account, requests for payment to the other account. Accept,
The payment management device according to claim 1. The reception unit accepts a request for payment to the other account when the payment is made to the electronic money account from a predetermined payment request source.
The payment management device according to claim 1. When depositing money from the user's electronic money account to the other account, the deposit processing unit does not collect a fee when the other account is a predetermined account, and the other account does not collect a fee. Collect fees when you are not in the designated account,
The deposit management device according to any one of claims 1 to 3. Computer runs,
Steps to obtain the amount of money to be deposited into the user's electronic money account and the user's telephone number from the payment requester, and
A step of depositing the deposit amount into the electronic money account of the account number associated with the telephone number, and
When receiving a request from the user for depositing money from the user's account for electronic money to another account of the user different from the account for electronic money, the account for electronic money is used by a predetermined deposit method. The electronic money is accepted by using the balance of the deposit amount deposited in the electronic money as the upper limit of the depositable amount set for the other account, and using a deposit method different from the predetermined deposit method. Steps to limit the deposit of the deposit amount to the other account, and
Deposit management method with. Computer,
An acquisition unit that acquires the amount of money deposited in the user's electronic money account and the user's telephone number from the payment requester.
A deposit processing unit that performs deposit processing of the deposit amount to the electronic money account of the account number associated with the telephone number, and
When receiving a request from the user for depositing money from the user's account for electronic money to another account of the user different from the account for electronic money, the account for electronic money is used by a predetermined deposit method. The electronic money is accepted by using the balance of the deposit amount deposited in the electronic money as the upper limit of the depositable amount set for the other account, and using a deposit method different from the predetermined deposit method. Reception department that restricts the deposit of the deposit amount to the other account, which was deposited in the account for
A deposit management program that works as.

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