JP6839886B1 - Transaction management method and transaction management system - Google Patents

Abstract

The transaction management method is the loan amount from the lender's digital currency account to the borrower's digital currency account on the first digital currency settlement server and the lender from the borrower's digital currency account on the first digital currency settlement server. To instruct the remittance processing of the amount obtained by subtracting the amount corresponding to the difference between the loan amount and the deposit amount from the deposit amount based on the relationship with the deposit amount for a predetermined date or period to the digital currency account of. including. In the above transaction management method, when the deposit amount does not satisfy a predetermined condition with respect to the loan amount, the amount obtained by subtracting the amount corresponding to the difference between the loan amount and the deposit amount from the deposit amount. You may instruct the remittance process.

Description

This disclosure relates to transaction management methods and transaction management systems.

In recent years, with the spread of mobile communication terminals such as smartphones or tablet PCs (Personal Computers), the convenience of our lives has improved. Among them, remittance processing, which previously required procedures at financial institutions, can now be performed using an application (also called an application) for electronic money payment on smartphones. Patent Document 1 discloses a remittance processing method using an application on a mobile terminal.

JP-A-2017-102578

Recently, remittance processing assuming lending has been carried out using electronic money. However, the remittance process has been carried out based on the conventional lending method. Therefore, when the borrower borrows again, it is necessary to input the remittance request (borrowing) information to the terminal or the like each time based on the loan contract (information). This is inconvenient and cumbersome for the borrower. In addition, until now, there has been no method of collectively managing multiple electronic money according to repayment.

In view of such problems, one of the purposes of the present disclosure is to provide a transaction management method capable of performing a plurality of loan and repayment processes quickly and easily. Further, one of the purposes of the present disclosure is to collectively manage transactions on a plurality of electronic money payment servers. In addition, one of the purposes of the present disclosure is to easily set the creditworthiness of the borrower according to the repayment record. In addition, one of the purposes of the present disclosure is to provide a highly convenient and secure transaction management method.

According to one embodiment of the present disclosure, the loan amount from the lender's digital currency account to the borrower's digital currency account on the first digital currency settlement server and the borrower's digital currency on the first digital currency settlement server. Remittance of the amount obtained by subtracting the amount corresponding to the difference between the loan amount and the deposit amount from the deposit amount based on the relationship between the account and the deposit amount of the lender to the digital currency account for a predetermined date or period. A transaction management method is provided that directs processing.

In the transaction management method, a remittance process of an amount obtained by subtracting a predetermined fixed charge from the amount obtained by subtracting the amount corresponding to the difference between the loan amount and the deposit amount from the deposit amount may be instructed.

In the above transaction management method, when the deposit amount does not satisfy a predetermined condition with respect to the loan amount, the amount obtained by subtracting the amount corresponding to the difference between the loan amount and the deposit amount from the deposit amount. You may instruct the remittance process.

In the transaction management method, when the deposit amount does not meet the predetermined conditions with respect to the loan amount, the reminder information is notified to the borrower's terminal, and the website or the borrower's terminal is used. The reminder information may be displayed when the application is launched.

In the transaction management method, the predetermined condition may be that the deposit amount is equal to or more than the loan amount.

In the transaction management method, the transfer process from the lender's digital currency account to the borrower's digital currency account on the first digital currency settlement server is performed n times (n is 3 or more), and the first digital currency settlement is performed. When the amount of money deposited from the borrower's digital currency account to the lender's digital currency account on the server does not meet the predetermined conditions more than once, the borrower's information may be registered in the monitoring list.

In the transaction management method, when the borrower's digital currency account on the first digital currency settlement server has not made a deposit to the lender's digital currency account, the borrower's digital currency account can be used to transfer the borrower's digital currency account. You may disable the new transfer process to your digital currency account.

According to one embodiment of the present disclosure, the first digital currency settlement server is instructed to transfer the loan amount from the lender's digital currency account to the borrower's digital currency account, and the loan amount and the first digital currency are described. The amount of money deposited from the borrower's digital currency account to the lender's digital currency account on the payment server for a predetermined date or period, and of the borrower on a second digital currency payment server different from the first digital currency payment server. Based on the relationship with the total amount of the second deposit amount of the predetermined date or period from the digital currency account to the digital currency account of the lender, the difference between the loan amount and the total amount was adjusted from the total amount. A transaction management method is provided that directs a new remittance process for the deducted amount.

According to one embodiment of the present disclosure, the transfer process from the lender's digital currency account to the borrower's digital currency account in the first digital currency settlement server is performed n times (n is 2 or more), and the first digital currency is described. Depending on the amount of deposits for a predetermined number of times out of the n times from the borrower's digital currency account to the lender's digital currency account on the payment server, any of the borrower's digital currency accounts after the n + 1 times A transaction management method is provided that sends information instructing the borrower's information to be additionally entered prior to processing the remittance to.

According to one embodiment of the present disclosure, the transfer process from the lender's digital currency account to the borrower's digital currency account in the first digital currency settlement server is performed n times (n is 2 or more), and the first digital currency is described. Transfers from the borrower's digital currency account to the lender's digital currency account on the payment server to the borrower's digital currency account from the n + 1th time onward according to the predetermined number of deposits out of the n times. A transaction management method is provided that sets the remittance amount in processing.

According to one embodiment of the present disclosure, the first instruction information instructing the borrower terminal to transmit the information of the approver is transmitted based on the information of the borrower, and the transmitted information of the approver is used. Based on this, the second instruction information instructing the approver terminal to send the consent approval / disapproval information is transmitted, and based on the consent information transmitted from the approver terminal, the lender's digital currency account on the digital currency settlement server. Provides a transaction management method for transmitting a third instruction information instructing the borrower to process the transfer to the digital currency account.

According to one embodiment of the present disclosure, the loan amount from the lender's digital currency account to the borrower's digital currency account on the first digital currency settlement server and the borrower's digital currency on the first digital currency settlement server. Remittance of the amount obtained by subtracting the amount corresponding to the difference between the loan amount and the deposit amount from the deposit amount based on the relationship between the account and the deposit amount of the lender to the digital currency account for a predetermined date or period. A transaction management system is provided that includes a remittance processing instruction unit that instructs processing.

In the transaction management system, the remittance processing instruction unit instructs remittance processing of an amount obtained by subtracting a predetermined fixed amount from the amount obtained by subtracting the amount corresponding to the difference between the loan amount and the deposit amount from the deposit amount. You may.

In the transaction management system, a determination unit for determining whether or not the deposit amount satisfies a predetermined condition with respect to the loan amount is included, and when the predetermined condition is not satisfied, the remittance processing instruction unit is in front of the loan amount. You may instruct the remittance processing of the amount obtained by subtracting the amount corresponding to the difference between the loan amount and the deposit amount from the entered amount.

In the transaction management system, when the deposit amount does not meet the predetermined conditions, the deposit amount includes a notification unit for notifying the borrower's terminal of reminder information with respect to the loan amount, and is provided on the borrower's terminal. The reminder information may be displayed when the website or application is launched in.

In the transaction management system, the predetermined condition may be that the deposit amount is equal to or more than the loan amount.

In the transaction management system, the transfer process from the lender's digital currency account to the borrower's digital currency account on the first digital currency settlement server is performed n times (n is 3 or more), and the first digital currency settlement is performed. When the amount of money deposited from the borrower's digital currency account to the lender's digital currency account on the server does not meet the predetermined conditions more than once, the determination unit registers the borrower's information in the monitoring list. You may.

In the transaction management system, when the borrower's digital currency account on the first digital currency settlement server has not made a deposit to the lender's digital currency account, the remittance processing instruction unit uses the lender's digital currency. The new transfer process from the currency account to the borrower's digital currency account may be disabled.

In the transaction management system, the transfer process from the lender's digital currency account to the borrower's digital currency account on the first digital currency settlement server is performed n times (n is 2 or more), and the first digital currency settlement is performed. Depending on the predetermined number of deposits out of the n deposits from the borrower's digital currency account to the lender's digital currency account on the server, any of the borrower's digitals after the n + 1th deposit It may include a transmitter that sends information instructing the borrower's information to be additionally entered before processing the transfer to the currency account.

In the transaction management system, the transfer process from the lender's digital currency account to the borrower's digital currency account on the first digital currency settlement server is performed n times (n is 2 or more), and the first digital currency settlement server In any of the borrower's digital currencies from the n + 1st time onward, depending on the predetermined number of deposits out of the n deposits from the borrower's digital currency account to the lender's digital currency account. It may include a setting unit that sets the transfer amount in the transfer process to the account.

According to one embodiment of the present disclosure, the first digital currency settlement server includes a remittance processing instruction unit that instructs the remittance processing of the loan amount from the lender's digital currency account to the borrower's digital currency account, and the remittance processing instruction. The unit includes the loan amount, the deposit amount from the borrower's digital currency account to the lender's digital currency account on the first digital currency settlement server for a predetermined date or period, and the first digital currency settlement server. From the total amount based on the relationship with the total amount of the second deposit amount for a predetermined date or period from the borrower's digital currency account to the lender's digital currency account on a different second digital currency settlement server. A transaction management system is provided that instructs a new remittance process of the amount obtained by subtracting the amount corresponding to the difference between the loan amount and the total amount.

In the transaction management system, the transmission unit for transmitting the first instruction information instructing the borrower terminal to transmit the information of the approver based on the information of the borrower before instructing the remittance processing is included. Based on the transmitted information of the approver, the transmitting unit transmits the second instruction information instructing the approver terminal to transmit the approval / disapproval information, and the transmitting unit transmits the second instruction information from the approver terminal. Based on the transmitted consent information, the third instruction information instructing the transfer processing from the lender's digital currency account to the borrower's digital currency account in the first digital currency settlement server may be transmitted.

By using one embodiment of the present disclosure, it is possible to provide a remittance processing method capable of performing a plurality of lending, borrowing and repayment processing quickly and easily. Further, by using one embodiment of the present disclosure, it is possible to collectively manage transactions on a plurality of electronic money payment servers. Further, by using one embodiment of the present disclosure, the creditworthiness of the borrower can be easily set according to the repayment record. Further, by using one embodiment of the present disclosure, it is possible to provide a highly convenient and safe transaction management method.

It is a figure which shows the structure of the hardware in the transaction management system which concerns on 1st Embodiment of this disclosure. It is a functional block diagram of the transaction management system which concerns on 1st Embodiment of this disclosure. This is an example of the data structure recorded in the database. This is an example of the data structure recorded in the database. This is an example of the data structure recorded in the database. This is an example of the data structure recorded in the database. This is an example of the data structure recorded in the database. This is an example of the data structure recorded in the database. This is an example of the data structure recorded in the database. It is a flow chart of the transaction management control processing which concerns on 1st Embodiment of this disclosure. It is a flow chart of the 1st transaction management control processing which concerns on 1st Embodiment of this disclosure. It is a flow chart of the 2nd transaction management control processing which concerns on 1st Embodiment of this disclosure. It is a flow chart of the 3rd transaction management control processing which concerns on 1st Embodiment of this disclosure. It is a flow chart of the 3rd transaction management control processing which concerns on 1st Embodiment of this disclosure. It is a functional block diagram of the transaction management system which concerns on 2nd Embodiment of this disclosure. It is a flow chart of the 3rd transaction management control processing which concerns on the 2nd Embodiment of this disclosure. It is a figure which shows the structure of the hardware in the transaction management system which concerns on 4th Embodiment of this disclosure. It is a functional block diagram of the transaction management system which concerns on 4th Embodiment of this disclosure. It is a flow chart of the 3rd transaction management control processing which concerns on 5th Embodiment of this disclosure. It is a flow chart of the 3rd transaction management control process which concerns on 6th Embodiment of this disclosure. It is a flow chart of the 3rd transaction management control processing which concerns on 7th Embodiment of this disclosure. It is a flow chart of the 3rd transaction management control processing which concerns on 8th Embodiment of this disclosure. It is a functional block diagram of the transaction management system which concerns on 9th Embodiment of this disclosure. It is a flow chart of the 4th transaction management control processing which concerns on 9th Embodiment of this disclosure. It is a flow chart of the 4th transaction management control processing which concerns on 9th Embodiment of this disclosure. It is a figure which shows the structure of the hardware in the transaction management system which concerns on 10th Embodiment of this disclosure. It is a functional block diagram of the transaction management system which concerns on the tenth embodiment of this disclosure. It is a flow chart of the 1st transaction management control processing which concerns on 10th Embodiment of this disclosure. It is a figure which shows the structure of the hardware in the transaction management system which concerns on 11th Embodiment of this disclosure. It is a functional block diagram of the transaction management system which concerns on 11th Embodiment of this disclosure. It is a flow chart of the 2nd transaction management control processing which concerns on 11th Embodiment of this disclosure. It is a flow chart of the 3rd transaction management control process which concerns on 11th Embodiment of this disclosure. It is a flow chart of the 3rd transaction management control process which concerns on 11th Embodiment of this disclosure. It is a functional block diagram of the transaction management system in the modification of 1st Embodiment of this disclosure.

Hereinafter, embodiments of the present disclosure will be described with reference to drawings and the like. However, the present disclosure can be implemented in many different embodiments and is not construed as limited to the description of the embodiments illustrated below. The drawings may be schematically shown to clarify the description, but they are merely examples and do not limit the interpretation of the present disclosure. In addition, the letters "1st" and "2nd" for each element are convenient signs used to distinguish each element, and have more meaning unless otherwise specified. Absent. In the drawings referred to in the present embodiment, the same part or a part having a similar function is given the same code or a similar code (a code obtained by simply adding A, B, 1, 2, etc. to the numbers xxx). However, the repeated description may be omitted. In addition, a part of the configuration may be omitted from the drawing. In addition, if it can be recognized by a person who has ordinary knowledge in the field to which this disclosure belongs, no particular explanation will be given.

<First Embodiment>
The transaction management system according to the first embodiment of the present disclosure will be described in detail with reference to the drawings.

(1-1. Hardware configuration of transaction management system)
FIG. 1 shows the hardware configuration of the transaction management system 1. As shown in FIG. 1, the transaction management system 1 includes a transaction management server 10, an electronic money settlement server 20, a borrower terminal 30, and a lender terminal 40. The transaction management server 10 functions as a database and application server for transaction management. The electronic money payment server 20 functions as a database and application server for electronic money payment. A plurality of electronic money payment servers 20 may be provided. In this embodiment, for convenience of explanation, one electronic money payment server 20 is used, but in other embodiments, a plurality of electronic money payment servers are used. The borrower terminal 30 is a terminal of a user who wishes to borrow money. The lender terminal 40 is a terminal for lending money. The "electronic money" in the present embodiment means an electronic payment means (so-called prepaid method) that charges before being used. Through the exchange of electronic data, the user can purchase goods or enjoy services in the same way as cash (money or banknotes).

The borrower terminal 30 transmits the loan application information by electronic money to the transaction management server 10 via the network 50. The lender terminal 40 inputs the loan examination information based on the information transmitted from the transaction management server 10, and transmits the result to the transaction management server 10. The transaction management server 10 transmits the examination result to the borrower terminal 30 and generates the loan information based on the loan examination information received from the lender terminal 40, and performs the transaction management control process described later.

The transaction management server 10 includes a communication unit 11, a storage unit 12, a control unit 13, and a display unit 14.

The communication unit 11 has a transmitter / receiver and communicates transaction information related to remittance with the electronic money settlement server 20, the borrower terminal 30, and the lender terminal 40 via the network 50. Communication between the communication unit 11 and the electronic money payment server 20, the borrower terminal 30, and the lender terminal 40 is performed via the Internet (specifically, SSL / HTTPS or VPN).

In addition to SSD (Solid State Drive) semiconductor memory, the storage unit 12 uses a magnetic recording medium (magnetic tape, magnetic disk, etc.), an optical recording medium, an optical magnetic recording medium, and a storable element such as a storage medium. Be done. The storage unit 12 has a function as a database for storing loan information used in the transaction management control program. The storage unit 12 may be appropriately provided on a server different from the transaction management server 10 and function as a database.

The control unit 13 is one of the computers, and manages a CPU (Central Processing Unit), an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array), or other arithmetic processing circuits, which will be described later. Controls processing based on the instructions specified in the software (program) of. In addition, a user interface for executing the transaction management control program may be provided to the display unit 14 by an instruction from the control unit 13.

The electronic money payment server 20 has a communication unit 21, a storage unit 22, and a control unit 23.

The communication unit 21 has a transmitter / receiver and performs information communication with the transaction management server 10, the borrower terminal 30, and the lender terminal 40 via the network 50. Communication between the communication unit 21 and the transaction management server 10, the borrower terminal 30, and the lender terminal 40 is performed using the Internet (specifically, SSL / HTTPS or VPN).

The storage unit 22 stores remittance-related information used in the remittance processing program in the electronic money settlement server 20.

The control unit 23 is one of the computers, and is an instruction specified by a remittance processing program in which at least a part is controlled by the transaction management server 10 described later by using a CPU, an ASIC, an FPGA, or another arithmetic processing circuit. Control the remittance process based on.

The borrower terminal 30 has a display unit 31, a control unit 32, a storage unit 33, an operation unit 34, and a communication unit 35. The borrower terminal 30 may be a smartphone, a mobile phone (feature phone), a tablet terminal, a notebook PC, a desktop PC, an IoT device (a device having a power supply mechanism, a communication function and an information storage mechanism), or the like, through a network. It is applicable as long as it can communicate with the transaction management server 10.

The display unit 31 is a display device such as a liquid crystal display or an organic EL display, and the display content is controlled by a signal input from the control unit 32.

The control unit 32 is one of the computers, and includes a CPU, an ASIC, an FPGA, or another arithmetic processing circuit. The control unit 32 executes a program stored in a storage unit 33 such as a memory based on the operations of the display unit 31 and the operation unit 34, and causes the transaction management control processing program stored in the storage unit 12 of the transaction management server 10 to execute the program. Instructs the execution of related processing.

The operation unit 34 includes a controller, a button, or a switch. The operation unit 34 moves, presses, or rotates up, down, left, and right, and information based on the operation is transmitted to the control unit 32. If the display device (touch panel) has a touch sensor, the display unit 31 and the operation unit 34 may be arranged at the same location.

The communication unit 35 has a function of transmitting and receiving to and from the transaction management server 10 or the electronic money payment server 20. For example, a LAN (Local Area Network) transmitter / receiver (for example, a Wi-Fi® transmitter / receiver) is used as the communication unit 35. The transmitter / receiver is not limited to the LAN transmitter / receiver, and a transmitter / receiver for mobile terminal communication (for example, LTE communication) may be provided, or a transmitter / receiver for short-range wireless communication may be provided. The borrower terminal 30 is connected to the transaction management server 10 or the electronic money payment server 20 via the network 50.

The lender terminal 40 has a display unit 41, a control unit 42, a storage unit 43, an operation unit 44, and a communication unit 45. The lender terminal 40 may be a smartphone, a mobile phone (feature phone), a tablet terminal, a notebook PC, a desktop PC, an IoT device (a device having a power supply mechanism, a communication function and an information storage mechanism), and the like, through a network. It is applicable as long as it can communicate with the transaction management server 10 and the electronic money payment server 20.

The display unit 41 is a display device such as a liquid crystal display or an organic EL display, and the display content is controlled by a signal input from the control unit 42.

The control unit 42 is one of the computers, and includes a CPU, an ASIC, an FPGA, or another arithmetic processing circuit. The control unit 42 executes a program stored in a storage unit 43 such as a memory based on the operations of the display unit 41 and the operation unit 44, and causes the transaction management control processing program stored in the storage unit 12 of the transaction management server 10 to execute the program. Instructs the execution of processing based on the instructions specified in the related program.

The operation unit 44 includes a controller, a button, or a switch. The operation unit 44 moves, presses, or rotates up, down, left, and right, and information based on the operation is transmitted to the control unit 42. If the display device (touch panel) has a touch sensor, the display unit 41 and the operation unit 44 may be arranged at the same location.

The communication unit 45 has a function of transmitting and receiving to and from the transaction management server 10 or the electronic money payment server 20. A LAN transmitter / receiver is used for the communication unit 45. The transmitter / receiver is not limited to the LAN transmitter / receiver, and a transmitter / receiver for communication for a mobile terminal may be provided, or a transmitter / receiver for short-range wireless communication may be provided. The lender terminal 40 is connected to the transaction management server 10 or the electronic money payment server 20 via the network 50.

(1-2. Configuration of transaction management control unit 100)
FIG. 2 shows a functional block diagram composed of each component of the transaction management system 1.

The transaction management server 10 has a transaction management control unit 100 that controls a program (transaction management program) that realizes a transaction management function. The transaction management control unit 100 includes an acquisition unit 110, a generation unit 120, a cooperation instruction unit 130, a remittance processing instruction unit 140, a determination unit 150, and a transmission unit 160.

The acquisition unit 110 has a function of acquiring various information from the electronic money settlement server 20, the borrower terminal 30, and the lender terminal 40, and storing the information in a database provided in the storage unit 12. 3 to 9 are examples of data structures stored in the storage unit 12.

FIG. 3 is an example of the data structure of the customer information 121 stored in the borrower information database 22a in the storage unit 12. The customer information 121 is information input by the borrower terminal 30. In this example, the customer information 121 includes a member ID 121a, a password 121b, a name 121c, a date of birth 121d, a telephone number 121e, an address 121f, and an identity verification document 121g. In addition, in the customer information 121, the place of employment of the borrower and the name of the guardian (including the relationship) when the borrower is a minor may be described.

FIG. 4 is an example of the data structure of the examination information 122 stored in the transaction-related information database 12b in the storage unit 12. The examination information 122 is information input by the lender terminal 40. In this example, the examination information 122 includes the member ID 122a, the examination status 122b, and the examination history 122c.

FIG. 5 is an example of the data structure of the contract information 123 stored in the transaction-related information database 12b in the storage unit 12. The contract information 123 is information generated by the generation unit 120. In this example, the contract information 123 includes the member ID 123a, the electronic money service ID (remittance destination) 123b, the limit amount 123c, the calculation date 123d, and the monthly fee settlement information 123e. This example contains information about a contract to borrow a fixed amount of electronic money every month by paying the lender a small fixed amount each month.

FIG. 6 is an example of the data structure of the lender wallet information 124 stored in the transaction-related information database 12b in the storage unit 12. The lender wallet information 124 is information input by the lender terminal 40. In this example, the lender wallet information 124 includes wallet type 124a, transaction type 124b, transaction amount 124c, and transaction date 124d. The wallet type indicates the type of electronic money used in the electronic money payment server 20. In this example, "zzz pay" is used.

FIG. 7 is an example of the data structure of the monthly charge settlement information 125 stored in the transaction-related information database 12b in the storage unit 12. In the present embodiment, the borrower is required to pay a monthly fee to the lender in order to make repeated loans and repayments. In this example, the monthly fee settlement information 125 includes the member ID 125a, the settlement amount 125b, the settlement method 125c, and the settlement date 125d. Credit card payment is used as the payment method 125c for the monthly fee. Note that the payment is not limited to credit card payment, and carrier payment may be used. Carrier payment means that payment processing is performed together with payment of the monthly fee of the communication terminal.

FIG. 8 is an example of the data structure of the loan (electronic money remittance) information 126 stored in the transaction-related information database 12b in the storage unit 12. The loan (electronic money remittance) information 126 is information generated by the generation unit 120. In this example, the loan (electronic money remittance) information 126 includes the member ID 126a, the loan amount 126b, and the loan date 126c.

FIG. 9 is an example of the data structure of the repayment (electronic money deposit) information 127 stored in the transaction-related information database 12b in the storage unit 12. The repayment (electronic money deposit) information 127 is information transmitted from the electronic money settlement server 20. In this example, the repayment (electronic money deposit) information 127 includes the member ID 127a, the repayment amount 127b, and the repayment date 127c.

The generation unit 120 has a function of generating loan information between the borrower (also referred to as the first user) and the lender (also referred to as the second user) according to the result of the examination input from the lender terminal 40. ..

The cooperation instruction unit 130 has a function of transmitting loan information to the electronic money settlement server 20 and instructing the electronic money settlement server 20 of cooperation in remittance processing between the borrower and the lender.

The remittance processing instruction unit 140 remits the loan amount according to the loan information 126 (electronic money remittance information) stored in the storage unit 12 from the lender's electronic money account to the borrower's electronic money account on the electronic money settlement server 20. It has a function to instruct processing.

The determination unit 150 determines whether the amount (payment amount) transferred from the borrower's electronic money account to the lender's electronic money account on the electronic money settlement server 20 on a predetermined date (calculation date) satisfies the predetermined condition. It has a function to make a judgment. The deposit amount information is transmitted from the electronic money payment server 20. Further, the determination unit 150 may perform the calculation date detection process.

The transmission unit 160 has a function of transmitting various information to the borrower terminal 30, the lender terminal 40, and the electronic money payment server 20.

The electronic money payment server 20 executes processing based on an instruction specified in the remittance processing program stored in the storage unit 22. The electronic money payment server 20 includes a receiving unit 210, a remittance processing unit 220, and a transmitting unit 230 as functional units. The receiving unit 210 receives the instruction information from the transaction management server 10. The remittance processing unit 220 executes the remittance processing based on the remittance instruction from the transaction management server 10. The transmission unit 230 transmits remittance-related information. The transaction-related information processed by the electronic money settlement server 20 may be appropriately stored in the transaction management information database 240.

The borrower terminal 30 executes processing based on an instruction specified in a program related to the transaction management control program stored in the storage unit 33. The borrower terminal 30 has a receiving unit 310 and a transmitting unit 320, respectively. The receiving unit 310 has a function of receiving the information transmitted from the transaction management server 10. The transmission unit 320 has a function of transmitting various information to the transaction management server 10 and the electronic money payment server 20.

The lender terminal 40 executes the process specified in the program related to the transaction management control program stored in the storage unit 43. The lender terminal 40 has a receiving unit 410 and a transmitting unit 420 as functional units, respectively. The receiving unit 410 has a function of receiving the information transmitted from the transaction management server 10. The transmission unit 420 has a function of transmitting various information to the transaction management server 10 and the electronic money payment server 20.

(1-3. Transaction management control processing)
Next, the transaction management control process based on the instruction by the transaction management program in the transaction management control unit 100 will be described. FIG. 10 is a flow chart of transaction management control processing. As shown in FIG. 10, the transaction management control process includes a first transaction management control process S100, a second transaction management control process S200, and a third transaction management control process S300.

The first transaction management control process S100 includes an examination process instruction process, a determination process, a loan information generation process, and a cooperation instruction process. The second transaction management control process S200 includes a remittance instruction information transmission process, a remittance process, and a remittance process completion information reception process. The third transaction management control process S300 includes a calculation date detection process, a payment confirmation instruction process, a determination process, a loan information generation process, and a remittance process. Each transaction management control process will be described separately.

(1-3-1. First transaction management control process S100)
FIG. 11 shows the first transaction management control process S100. As shown in FIG. 11, first, the borrower terminal 30 inputs the application information for receiving the loan of money (S101). At this time, the borrowing application (application) downloaded to the borrower terminal 30 is started by the operation of the borrower, and predetermined information is input. The input application information is transmitted to the transaction management server 10 (S103), and the customer information 121 shown in FIG. 3 is stored in the storage unit 12.

Next, the transaction management server 10 generates examination instruction information based on the application information (S105) and transmits it to the lender terminal 40 (S107). Examination information 122 is input by the lender to the lender terminal 40 that has received the examination instruction (S109). At this time, the lender confirms the customer information and the identity verification information. Further, in the examination, the customer information may be transmitted from the lender terminal 40 to the terminal of the credit institution (not shown), and the credit information may be transmitted from the terminal of the credit institution to the lender terminal 40. After the input of the examination information 122 is completed, the transmission unit 420 of the lender terminal 40 transmits the examination information 122 to the transaction management server 10 (S111). The acquisition unit 110 of the transaction management server acquires the examination information 122 (S113), and the examination information 122 is stored in the storage unit 12.

If the borrower has not passed the loan examination according to the examination result (S115: No), the transaction management process is terminated (information to that effect may be displayed on the borrower terminal 30). When the borrower has passed the loan examination (S115: Yes), the application completion information is transmitted to the borrower terminal 30 (S117), and the information is displayed on the borrower terminal 30 (S119).

At this time, the borrower inputs various information in order to register the contract information shown in FIG. 5 in the borrower terminal 30 (S121). At this time, the loan limit is selected from a preset amount. In this example, a limit of 50,000 yen and 100,000 yen is set. In addition, the calculation date for confirming the deposit amount is also selected from the preset dates. In this example, the due dates are set to 5, 15 and 25 days. If the contract date is 20 days and the calculation date is 25 days, the calculation may not be performed for the contract month. The calculation date can also be changed later. Further, the borrower inputs various information to the borrower terminal 30 in order to register the payment method of the monthly fee shown in FIG. 7. The payment method is selected from preset methods. The input information is transmitted to the transaction management server 10 (S123) and stored in the storage unit 12.

Next, the cooperation instruction unit 130 of the transaction management server 10 generates information (cooperation instruction information) for instructing the electronic money settlement server 20 to cooperate in the remittance processing between the borrower and the lender (cooperation instruction information). S125), it is transmitted to the electronic money settlement server 20 together with the loan information (S127). At this time, as an example of cooperation, a request signal may be transmitted so that the transaction management server 10 and the electronic money settlement server 20 are connected via an API (Application Programming Interface). For example, a web API can be used as the API. By connecting via API, various information in transactions can be shared more quickly and easily.

When the electronic money payment server 20 receives the cooperation instruction information (S129), it generates information to the effect that it responds to the cooperation (S130) and transmits it to the transaction management server 10 (S131). At this time, the lender's electronic money account on the electronic money settlement server 20 may be provided. When the transaction management server 10 receives the cooperation response signal (S133), the transaction management server 10 and the electronic money settlement server 20 are linked by an API connection. As a result, the first transaction management control process S100 is completed. As a result, the transaction management server 10 and the electronic money settlement server 20 cooperate with each other, and the transaction management server 10 acquires the remittance and inquiry of electronic money in the electronic money settlement server 20 and their history information, and manages the transaction. be able to.

(1-3-2. Second transaction management control process S200)
FIG. 12 shows a flow chart of the second transaction management control process S200. The second transaction management control process S200 is performed triggered by the termination of the first transaction management control process S100. The second transaction management control process S200 is not limited to this, and may be performed when the predetermined date and time is reached.

First, the remittance processing instruction unit 140 of the transaction management server 10 instructs the electronic money settlement server 20 to remit the loan amount according to the loan information generated in advance from the lender's electronic money account to the borrower's electronic money account. Information is transmitted (S201). At this time, even if it is confirmed by sending a balance inquiry request signal to the electronic money settlement server 20 before sending the remittance instruction information as to whether or not the balance of the lender's electronic money account is larger than the loan amount. Good. In addition, a balance inquiry request signal may be periodically transmitted and confirmed. In addition, electronic money may be charged to the lender's electronic money account according to the balance. The acquired balance information and transaction information are appropriately stored in the storage unit 12.

Next, when the electronic money settlement server 20 receives the remittance instruction information in the receiving unit 210 (S203), the electronic money settlement server 20 executes the remittance process from the lender's electronic money account to the borrower's electronic money account (S205). After the remittance process is completed, the electronic money settlement server 20 generates the remittance process completion information together with the remittance information and transmits it to the transaction management server 10 (S207). When the transaction management server 10 receives the remittance information and the remittance processing completion information (S209), the acquired remittance information is appropriately stored in the storage unit 12. As a result, the second transaction management control process S200 is completed.

(1-3-3. Third transaction management control process S300)
13 and 14 are flow charts of the third transaction management control process S300. First, the transaction management control unit 100 (for example, the determination unit 150) detects the calculation date (also referred to as the quick clearing date) for confirming the payment status (S301). The detection process is repeated until a predetermined date set as the calculation date is reached (S303; No).

When it is detected that the predetermined date has been reached (S303; Yes), the transmission unit 160 transmits the payment confirmation instruction information (S305). When the electronic money settlement server 20 receives the payment confirmation instruction information (S307), the electronic money settlement server 20 transmits the payment information from the borrower's electronic money account to the lender's electronic money account to the transaction management server 10 (S309). The acquisition unit 110 of the transaction management server 10 receives the payment information (S311) and stores it in the storage unit 12.

Next, the determination unit 150 determines whether the amount of money deposited from the borrower's electronic money account to the lender's electronic money account satisfies a predetermined condition (S313). In this case, the predetermined condition is that the amount of electronic money transferred from the lender's electronic money account to the borrower's electronic money account at the time of lending is equal to or greater than the amount of electronic money deposited. In this case, the borrower activates an application (also called a remittance application) for executing the remittance process of the electronic money settlement server downloaded to the borrower terminal 30, and remittance of money deposited in the bank account. It is done by executing. At this time, when the borrower clicks the remittance button on the remittance application with one click, the transmission unit 320 of the borrower terminal 30 transmits the remittance request information to the electronic money payment server 20, and the electronic money payment server 20 is based on the information. Remittance processing (repayment) is performed. Further, in the present embodiment, if the amount borrowed by the calculation date is deposited, no additional interest rate is generated. Therefore, the borrower can easily borrow electronic money. The minimum deposit (repayment) amount may be set in relation to the interest rate. In this example, a minimum deposit of 4,000 yen is set.

When the deposit amount meets the predetermined conditions (S315; Yes), the loan information is not changed. Therefore, in the next loan, it is possible to lend the same amount of electronic money as the previous loan amount.

On the other hand, when the deposit amount does not meet the predetermined condition (S315; No), the amount corresponding to the difference between the loan amount and the deposit amount from the deposit amount deposited in the lender's electronic money account on the electronic money settlement server 20. The amount after deducting is changed to the next loan (S317). Specifically, if a loan of 100,000 yen is deposited with 80,000 yen, the unpaid amount will be 20,000 yen. At this time, 79,704 yen, which is obtained by subtracting 296 yen as interest corresponding to 20,000 yen from 80,000 yen, will be the next remittance amount. As a result, 100,000 yen worth of electronic money including the unpaid amount of 20,000 yen has been remitted to the borrower's electronic money account. The amount of interest is not limited to the amount that fluctuates according to the interest rate, and may be a fixed amount that is uniformly set at 1,000 yen.

If there is no loan agreement (information) again (S319; No), the third transaction management control process S300 may be terminated here. When it is registered in advance that the loan will be made again in the contract information or the like (S319; Yes), the remittance processing instruction unit 140 transmits the remittance instruction information of the loan based on the above to the electronic money settlement server 20 (S321). ). When the electronic money settlement server 20 receives the remittance instruction information again (S322), the electronic money settlement server 20 performs the remittance process again from the lender's electronic money account to the borrower's electronic money account (S323). After the remittance processing is completed, the electronic money settlement server 20 transmits the remittance processing completion information to the transaction management server 10 (S325). When the transaction management server 10 receives the remittance processing completion information (S327), the transaction management server 10 stores the information in the transaction-related information database 12b of the storage unit 12. After receiving the remittance processing completion information, the calculation date detection process is executed again (S301). In the present embodiment, the third transaction management control process S300 can be repeatedly executed. When the process of lending (remittance) electronic money from the lender's electronic money account to the borrower's electronic money account is repeatedly executed, the borrower sends the borrower terminal 30 to the borrower terminal 30 for the monthly loan amount of 100,000 yen. On the other hand, when the remittance button is pressed on the remittance application, the electronic money settlement server 20 executes the repayment (remittance) process of the electronic money.

That is, by using this embodiment, the transaction management server 10 and the electronic money settlement server 20 cooperate with each other to quickly and easily perform a plurality of times of lending, borrowing and repayment processing between the lender terminal and the borrower terminal. It can be carried out.

In the present embodiment, when the deposit amount satisfies the predetermined condition, even if there is no loan contract (information) again, the transaction management server 10 inputs the borrower (for example, in the remittance application, " When the remittance request information transmitted from the borrower terminal 30 is received by pressing the "repay button" and the "borrow button again"), the remittance processing instruction unit 140 of the transaction management server 10 determines the loan amount based on the above. The remittance instruction information may be transmitted to the electronic money settlement server 20. As a result, it is possible to quickly and easily execute a plurality of remittance processes according to the intention of the borrower.

Further, in the present embodiment, a maximum borrowing amount is set. Therefore, the borrower can prevent overuse of electronic money. In addition, if the full repayment is difficult, the borrower can repay as much as possible together with interest. That is, the borrower can make a highly convenient repayment.

Further, in the present embodiment, an example of re-lending when it is registered in advance in the contract information or the like to re-lending is shown, but the transaction management server 10 uses the borrower terminal 30 every time a new lending is made. You may decide whether to lend again based on the information entered in.

Further, in the present embodiment, when the deposit amount does not satisfy the predetermined condition, an example of changing the remittance amount is shown, but the present invention is not limited to this. For example, if there is no deposit, the deposit processing from the lender's electronic money account to the borrower's electronic money account may be invalidated even if the contract information is registered to lend again. In this case, when the payment information of the entire loan amount is received, the loan may be made again by activating the payment processing from the lender's electronic money account to the borrower's electronic money account. ..

<Second Embodiment>
In this embodiment, a transaction management control unit and a transaction management method different from those in the first embodiment will be described. Specifically, a notification unit and a notification method newly provided in the transaction management control unit 100 will be described. The same configuration and method as in the first embodiment may be omitted as appropriate.

(2-1. Configuration of transaction management control unit 100A)
FIG. 15 shows a functional block diagram of the transaction management system 1A. As shown in FIG. 15, the transaction management control unit 100A of the transaction management server 10A includes the acquisition unit 110, the generation unit 120, the cooperation instruction unit 130, the remittance processing instruction unit 140, the determination unit 150, and the transmission unit 160. The notification unit 170 is included.

The notification unit 170 has a function of notifying the borrower terminal 30 of the reminder information when the deposit amount does not meet the predetermined condition. When the borrower terminal 30 activates the borrowing application or the electronic money payment application, the reminder information is displayed. The reminder information at this time includes interest rate information and late payment information.

(2-2. Transaction management control processing)
FIG. 16 shows a flow chart (S300A) of the third transaction management control process based on the instruction by the transaction management program in the transaction management control unit 100A. As shown in FIG. 16, when the predetermined condition is not satisfied (S315; No), the notification unit 170 notifies the borrower terminal 30 of the reminder information (S351). Examples of cases where the above predetermined conditions are not met are cases where there is no deposit (unpaid) or partial repayment below the minimum deposit amount.

When the borrower terminal 30 receives the reminder information (S353), the reminder information is displayed when the borrower activates the loan application or the electronic money settlement application on the borrower terminal 30 (S355). The reminder information in this case may be text information, voice information, or image information. Further, even when the application is not started, the push notification may be displayed on the display unit of the borrower terminal 30.

By using this embodiment, the borrower can prevent forgetting to repay the borrowed money, and the lender can stably receive the loan.

In the present embodiment, when the reminder information is displayed, the borrower can make a deposit without waiting for the calculation date by pressing the repayment button on the remittance application.

<Third Embodiment>
In this embodiment, a transaction management method different from that of the first embodiment will be described. Specifically, the transaction management method when the loan repayment is unpaid when the remittance process is performed a plurality of times will be described.

When the remittance process from the lender's electronic money account to the borrower's electronic money account is performed n times (n is 3 or more), the determination unit 150 determines the lender's electronic money account from the borrower's electronic money account. When it is determined that the deposit amount to the money does not satisfy the predetermined condition two or more times, the determination unit 150 may register the borrower's information in the monitoring list. Alternatively, when it is determined that the predetermined conditions are not satisfied three or more times, the contract cancellation process or the borrower's information may be sent to the server of the credit information agency.

By using this embodiment, the transaction management server 10 can acquire the credit information of the borrower and can use it for the examination in a new transaction.

<Fourth Embodiment>
In this embodiment, a transaction management control unit and a transaction management method different from those in the first embodiment will be described. Specifically, a transaction management system having a plurality of electronic money payment servers and a transaction management method will be described.

(4-1. Configuration of transaction management control unit 100B)
FIG. 17 shows the hardware configuration of the transaction management system 1B. FIG. 18 shows a functional block diagram composed of each component of the transaction management system 1B. As shown in FIGS. 17 and 18, the transaction management system 1B has a plurality of electronic money settlement servers 20B in addition to the transaction management server 10, the borrower terminal 30, and the lender terminal 40.

The cooperation instruction unit 130 transmits the cooperation instruction information to the electronic money payment server 20B-1 and the electronic money payment server 20B-2. At this time, the cooperation instruction unit 130 transmits the loan information (also referred to as the first loan information) from the lender to the borrower to the electronic money settlement server 20B-1. Similarly, the cooperation instruction unit 130 transmits loan information (also referred to as second loan information) different from the first loan information from the lender to the borrower to the electronic money settlement server 20B-2. This allows multiple loans from the lender to the borrower. At this time, the loan from the lender to the borrower on the electronic money settlement server 20B-1 and the loan from the lender to the borrower on the electronic money settlement server 20B-2 can be processed as independent. Therefore, the transaction management control process described in the first embodiment of the present disclosure is performed in each electronic money settlement server 20B. The transaction information in each electronic money settlement server 20 may be stored in the storage unit 12 and displayed in the borrowing application of the borrower terminal 30.

By using this embodiment, the borrower can easily grasp the borrowing status or the repayment status of each electronic money settlement server 20.

In the present embodiment, the electronic money payment server 20B-1 and the electronic money payment server 20B-2 are provided, but three or more electronic money payment servers may be provided.

<Fifth Embodiment>
In this embodiment, a transaction management control unit and a transaction management method different from those in the fourth embodiment will be described. Specifically, a transaction management method for one loan information using a plurality of electronic money payment servers will be described. In the present embodiment, the cooperation instruction unit 130 transmits the same lending information and cooperation instruction information to the electronic money payment server 20B-1 and the electronic money payment server 20B-2.

FIG. 19 shows a flow chart of the third transaction management control process S300C. In the present embodiment, the case where the electronic money settlement server 20B-1 performs remittance processing (lending) from the lender's electronic money account to the borrower's electronic money account will be described. The transmission unit 160 of the transaction management server 10 transmits the payment confirmation instruction information to the electronic money payment server 20B-1 and the electronic money payment server 20B-2 (S305). After receiving the payment confirmation instruction information (S307, S308), the electronic money payment server 20B-1 and the electronic money payment server 20B-2 receive the lender's electronic money from the borrower's electronic money account of the respective electronic money payment server 20B. The payment information to the money account is transmitted (S309, S310).

When the transaction management server 10 receives the payment information to each electronic money settlement server 20B (S311), the determination unit 150 determines the payment amount (S313). At this time, the determination unit 150 makes a loan from the borrower's electronic money account on the electronic money settlement server 20B-1 to the lender's electronic money account and from the borrower's electronic money account on the electronic money settlement server 20B-2. It may be determined whether the total amount of money deposited in a person's electronic money account meets a predetermined condition.

By using this embodiment, by linking with a plurality of electronic money payment servers, even if the balance of one electronic money account is insufficient, if the balance of the other electronic money account is large, the other electronic money account is concerned. You can deposit (repay) from. That is, highly convenient repayment is possible.

<Sixth Embodiment>
In this embodiment, a transaction management control unit and a transaction management method different from those in the first embodiment will be described. Specifically, in the first embodiment, an example in which the monthly fee is settled by credit card is shown, but in the present embodiment, an example in which the monthly fee is used as electronic money payment and the loan is changed will be described.

FIG. 20 shows a flow chart (S300D) of the third transaction management control process based on the instruction by the transaction management program in the transaction management control unit 100.

When the storage unit 12 stores that the monthly fee payment is electronic money payment (S316; Yes), the amount corresponding to the monthly fee may be deducted from the loan (S318). Therefore, if the full amount has been paid (repayed) (S315; Yes), the amount obtained by subtracting the amount equivalent to the monthly fee from the deposit amount will be the amount to be remitted next time. In the case of partial repayment where the deposit amount does not meet the predetermined conditions (S315; No), unpaid from the deposit amount deposited from the borrower's electronic money settlement server to the lender's electronic money account at the electronic money settlement server 20. The interest rate according to the amount may be deducted, and the amount corresponding to the monthly fee may be deducted as the amount to be remitted next time.

<7th Embodiment>
In this embodiment, a transaction management method different from that of the first embodiment will be described. Specifically, in the first embodiment, an example in which the calculation of the deposit amount is executed on a predetermined date (calculation date) is shown, but in the present embodiment, the deposit amount is included in the period including the preliminary date in addition to the calculation date. An example of executing (determining) the calculation of is described.

FIG. 21 shows a flow chart (S300E) of a third transaction management control process based on an instruction by the transaction management program in the transaction management control unit 100. First, the calculation date for confirming the payment status is detected (S301). The detection process is repeated until a predetermined date is reached (S303; No).

Next, when it is detected that a predetermined date (calculation date) has been reached (S303; Yes), a preliminary period may be further detected (S3041). The detection process is repeated until the expiration date of the preliminary period is reached (S3042; No). When the expiration date of the preliminary period is reached (S3042; Yes), the transaction management server 10 transmits the payment confirmation instruction information (S305).

By using this embodiment, even if the borrower cannot make a deposit on the calculation date due to various reasons, the borrower may make a deposit within the period including the preliminary period. As a result, the borrower does not have to pay an additional late fee and can improve the degree of freedom of repayment.

<8th Embodiment>
In this embodiment, a transaction management method different from that of the first embodiment will be described. Specifically, an example of cancellation processing when cancellation information from the borrower is received will be described.

FIG. 22 shows a flow chart (S300F) of the third transaction management control process based on the instruction by the transaction management program in the transaction management control unit 100.

The borrower inputs information desired to cancel the transaction in the remittance application displayed on the display unit 31 of the borrower terminal 30. The borrower terminal 30 generates cancellation information based on the input information, and transmits the cancellation information to the transaction management server 10 (S371). When the transaction management server 10 receives the cancellation information (S373), the transmission unit 160 transmits the payment confirmation instruction information without detecting the calculation date (S375). When the electronic money settlement server 20 receives the payment confirmation instruction information (S377), the electronic money settlement server 20 transmits the payment information from the borrower's electronic money account to the lender's electronic money account to the transaction management server 10 (S379). The acquisition unit 110 of the transaction management server 10 receives the payment information (S381) and stores it in the storage unit 12.

Next, the determination unit 150 determines whether the amount of money deposited from the borrower's electronic money account to the lender's electronic money account satisfies a predetermined condition (S383). The predetermined condition in this case is that the same amount (full amount) of electronic money as the amount transferred from the lender's electronic money account to the borrower's electronic money account at the time of lending is deposited.

When the deposit amount satisfies the predetermined condition (S385; Yes), the transaction management server 10 cancels the loan contract between the borrower and the lender (S387).

Next, the transaction management server 10 tells the borrower terminal 30 that the cancellation process has been completed or that the predetermined conditions have not been met (specifically, the full amount has not been paid, S385; No). The notification information is transmitted (S389).

When the borrower terminal 30 receives the notification information (S391), the borrower can confirm whether or not the cancellation has been completed at the borrower terminal 30. If the cancellation process has not been completed, the borrower may re-enter the cancellation information after depositing the shortfall amount.

By using this embodiment, the lease contract can be canceled at the convenience of the lessee without waiting for the calculation date.

<9th embodiment>
In this embodiment, an example of setting the creditworthiness of the borrower based on the repayment record of the borrower described in the above embodiment will be described.

FIG. 23 shows a functional block diagram composed of each component of the transaction management system 1G. As shown in FIG. 23, the transaction management control unit 100G of the transaction management server 10G is set in addition to the acquisition unit 110, the generation unit 120, the cooperation instruction unit 130, the remittance processing instruction unit 140, the determination unit 150, and the transmission unit 160. The unit 180 is included.

The setting unit 180 cancels the loan contract, restricts the use of the system, sets the creditworthiness of the borrower, and changes the remittance amount (loan amount) based on the borrower's transaction record (repayment record).

24 and 25 show a flow chart (S400) of the fourth transaction management control process based on the instruction by the transaction management program in the transaction management control unit 100G. The fourth transaction management control process S400 can be performed in combination with other transaction management control processes.

As shown in FIG. 24, first, the acquisition unit 110 of the transaction management server 10 receives the deposit amount information (payment information) (S401). At this time, the determination unit 150 performs the determination process using the borrower's deposit amount information (repayment history) stored in the storage unit 12 together with the deposit information (S402). Specifically, the determination unit 150 determines whether or not the borrower's repayment history is overdue twice or more in a row (S403). If there is a delinquency two or more times in a row (S403; Yes), it is determined whether there is a delinquency three or more times in a row (S405).

When there are three or more delinquents in a row (S405; Yes), the setting unit 180 forcibly cancels the borrower's loan contract (S407). Further, the transmission unit 160 stores in the storage unit 12 (specifically, the recipient information DB 12a) that the borrower is included in the blacklist based on the cancellation process, and also informs the credit institution terminal and the lender terminal 40. Send.

If there is no delinquency three or more times in a row (S405; No), the transmission unit 160 transmits repayment reminder information to the borrower terminal 30 and additional instruction information for inputting the borrower's personal information (S405; No). S409).

Next, the determination unit 150 determines whether or not the additional personal information has been input from the borrower terminal 30 based on the instruction information (S411). When there is no input of additional personal information (S411; No), the setting unit 180 suspends the use of the borrower's transaction management system (S415). In that case, the next remittance to the borrower's electronic money account will not be processed.

When additional personal information is input (S411; Yes), the system is continuously used (S413). At this time, it is not necessary to change the setting information in particular. In the case of continuous use of the system, the acquisition unit 110 receives the next payment information (S401) and repeats the above process.

On the other hand, when there is no delinquency two or more times in a row (S403; No), it is determined whether six months have passed since the previous credit evaluation as shown in FIG. 25 (S421).

If 6 months have not passed since the previous credit evaluation (S421; No), the process returns to the payment information reception process (S401).

When 6 months have passed since the previous credit evaluation (S421; Yes), the determination unit 150 determines the credit of the borrower (S422). Specifically, the determination unit 150 sets the creditworthiness of the borrower based on the information (repayment history) of the deposit amount for the past six months. In this embodiment, a gold member and a silver member are provided as the rank of the borrower. Silver membership means the rank set by the borrower at the time of contract with the lender. Gold members are set when the repayment history is good. Gold members may have a higher amount of money (transfer amount) that can be borrowed per month than silver members. Specifically, the following four patterns are provided for setting the credit rating.

First, when there is no delinquency history (S423; No) and the member is not a gold member (S425; No), the transmission unit 160 instructs the borrower terminal 30 to display the gold member promotion selection. Is transmitted (S427). At this time, when the borrower inputs the selection information to the gold member from the borrower terminal 30, the setting unit 180 sets the borrower as the gold member. At the same time, the remittance amount is also set.

Second, if there is no delinquency history (S423; No) and the borrower is a gold member (S425; Yes), the setting unit 180 does not change the creditworthiness of the borrower (S429), and the borrower continues to use it as a gold member. be able to.

Third, if there is a delinquency history (S423; Yes) and the member is a gold member (S431; Yes), the setting unit 180 sets the borrower to be changed from a gold member to a silver member (S433). At the same time, the remittance amount is also set.

Fourth, if there is a delinquency history (S423; Yes) and you are not a Gold member (S431; No), the setting unit 180 does not change the creditworthiness of the borrower (S435), and the borrower continues to use it as a silver member. be able to.

In the case of the present embodiment, the creditworthiness may be set low at the time of contracting the lease contract, and the creditworthiness may be changed according to the repayment history. As a result, the lender can reduce the risk of bad debt, and the borrower can easily evaluate the creditworthiness when borrowing electronic money, so that the threshold for borrowing can be lowered.

Therefore, by using this embodiment, it is possible to provide a transaction management method that is highly convenient for the user.

Further, the deposit amount information shown in the present embodiment is not particularly limited. Each process may be executed using the information of the deposit amount at least twice.

Further, in the present embodiment, an example is shown in which the setting change of the remittance amount is performed together with the change of the credit rating, but the present invention is not limited to this. The remittance amount may be set after the next deposit after the credit rating is changed. In addition, the remittance amount may be set after the borrower has input the change in the remittance amount setting.

<10th Embodiment>
In the present embodiment, a transaction management method in which a consenting person is requested for consent and a loan is made when the consent is given will be described.

FIG. 26 shows the hardware configuration of the transaction management system 1H. As shown in FIG. 26, the transaction management system 1H has a transaction management server 10, an electronic money settlement server 20, a borrower terminal 30, a lender terminal 40, and a consenter terminal 60.

The approver terminal 60 has a display unit 61, a control unit 62, a storage unit 63, an operation unit 64, and a communication unit 65. The approver terminal 60 may be a smartphone, a mobile phone (feature phone), a tablet terminal, a notebook PC, a desktop PC, an IoT device, or the like, and can be applied as long as it can communicate with the transaction management server 10 via a network. is there.

The display unit 61 is a display device such as a liquid crystal display or an organic EL display, and the display content is controlled by a signal input from the control unit 62.

The control unit 62 is one of the computers, and includes a CPU, an ASIC, an FPGA, or another arithmetic processing circuit. The control unit 62 executes a program stored in a storage unit 63 such as a memory based on the operations of the display unit 61 and the operation unit 64, and causes the transaction management control processing program stored in the storage unit 12 of the transaction management server 10 to execute the program. Instructs the execution of processing based on the instructions specified in the related program.

The operation unit 64 includes a controller, a button, or a switch. The operation unit 64 moves, presses, or rotates up, down, left, and right, and information based on the operation is transmitted to the control unit 62. If the display device has a touch sensor, the display unit 61 and the operation unit 64 may be arranged at the same location.

The communication unit 65 has a function of transmitting and receiving to and from the transaction management server 10 or the electronic money payment server 20. A LAN transmitter / receiver is used for the communication unit 65. The transmitter / receiver is not limited to the LAN transmitter / receiver, and a transmitter / receiver for mobile terminal communication (for example, LTE communication) may be provided, or a transmitter / receiver for short-range wireless communication may be provided. The approver terminal 60 is connected to the transaction management server 10 or the borrower terminal 30 via the network 50.

FIG. 27 shows a functional block diagram composed of each component of the transaction management system 1H. In FIG. 27, the approver terminal 60 executes a process based on an instruction specified in a program related to the transaction management control program stored in the storage unit 63. The approver terminal 60 has a receiving unit 610 and a transmitting unit 620, respectively. The receiving unit 610 has a function of receiving the information transmitted from the transaction management server 10. The transmission unit 620 has a function of transmitting various information to the transaction management server 10.

FIG. 28 shows the first transaction management control process S100H. As shown in FIG. 28, first, the borrower terminal 30 inputs the application information for receiving the loan of money (S101). At this time, the borrowing application (application) downloaded to the borrower terminal 30 is started by the operation of the borrower, and predetermined information is input. The entered application information is transmitted to the transaction management server 10 (S103). At this time, the customer information 121 shown in FIG. 3 is acquired as application information (also referred to as borrower information) (S1041) and stored in the storage unit 12. In this case, the borrower's age is obtained from the borrower's information.

Next, in order to obtain the information of the approver from the borrower, the generation unit 120 generates instruction information (also referred to as first instruction information) instructing to transmit the approver information (S1042), and the borrower terminal 30 Is transmitted to (S1043). At this time, the received first instruction information is displayed on the borrower terminal 30, and the consenter information is input by the borrower (S1044). Specifically, the telephone number of the approver can be entered.

The input approver information is transmitted to the transaction management server 10 (S1045), and the acquisition unit 110 acquires the approver information (S1046). At this time, the generation unit 120 is instructing the approver to send the approval / disapproval information for selecting whether or not to approve the lease contract based on the approver information (also referred to as the second instruction information). (S1047), and the transmission unit 160 transmits the second instruction information to the acceptor terminal 60 (S1048). Specifically, a message in which a URL (Uniform Resource Locator) for inputting consent information as consent request instruction information may be transmitted to the consenter terminal 60 as SMS (Short Message Service).

Next, when the receiving unit 610 of the consenting person terminal 60 receives the consenting approval / disapproval information, the consenting person inputs the consenting information to the consenting person terminal 60 (S1049). More specifically, when the SMS message arrives at the consenter terminal 60, the message is displayed on the display unit 61. At this time, when the approver clicks the URL described in the message, the consent page is displayed. On the consent page, the consenter enters the name and date of birth of the consenter, confirms the consent details, and then clicks the consent button. As a result, the consent information is transmitted to the transaction management server 10 (S1050).

Next, when the acquisition unit 110 acquires the consent information, the generation unit 120 generates the consent completion information (S1051). At this time, the determination unit 150 may determine whether the consent information satisfies a predetermined condition. The prescribed condition is that the name and date of birth of the approver are entered, and that the confirmation of the consent content is checked. This is just an example, and it can be applied if there is personally identifiable information other than the name and date of birth of the approver. The consent completion information is stored in the storage unit 12.

The consent completion information is transmitted to the approver terminal 60 and the borrower terminal 30 (S1052, S1053). On the consenter terminal 60, the consent result page is displayed on the display unit 61. On the borrower terminal 30, it is displayed on the display unit 31 as a push notification.

After the above consent process is completed, the transaction management server 10 generates examination instruction information based on the application information and the consent completion information (S105). The processing after this processing is the same as that of the first embodiment. When the loan agreement is concluded, remittance instruction information (also referred to as third instruction information) is transmitted from the lender's digital currency account to the borrower's digital currency account on the electronic money settlement server 20.

By using this embodiment, the loan agreement can be proceeded with the consent of the approver, and the consent procedure is also very simple. For example, if the borrower is a minor, a guardian is set as the approver, and the electronic money cannot be borrowed without the consent of the guardian. On the other hand, consent by the guardian can be easily obtained using the terminal. Therefore, it is possible to provide a highly secure transaction management system while improving user convenience.

<11th Embodiment>
In this embodiment, a transaction management method in Internet banking will be described. The same configurations as those of the other embodiments will be omitted as appropriate. In this embodiment, cash available in Internet banking is used. The cash in this case refers to electronic information of cash in the account that can be processed by a computer.

(11-1. Configuration of transaction management system)
FIG. 29 shows the hardware configuration of the transaction management system 1J. FIG. 30 shows a functional block diagram composed of each component of the transaction management system 1J. As shown in FIGS. 29 and 30, the transaction management system 1J has an Internet banking settlement server 70 in addition to the transaction management server 10, the borrower terminal 30, and the lender terminal 40.

The Internet banking payment server 70 executes inter-account remittance (transfer) processing in Internet banking and functions as a database and application server for payment at a financial institution.

The Internet banking payment server 70 includes a communication unit 71, a storage unit 72, and a control unit 73.

The communication unit 71 has a transmitter / receiver and performs information communication with the transaction management server 10, the borrower terminal 30, and the lender terminal 40 via the network 50. Communication between the communication unit 71 and the transaction management server 10, the borrower terminal 30, and the lender terminal 40 is performed using the Internet (specifically, SSL / HTTPS or VPN).

The storage unit 72 stores remittance-related information used in the remittance processing program in the Internet banking payment server 70.

The control unit 73 is one of the computers, and is an instruction specified by a remittance processing program in which at least a part is controlled by the transaction management server 10 described later by using a CPU, an ASIC, an FPGA, or another arithmetic processing circuit. Control the remittance process based on.

The Internet banking payment server 70 executes processing based on an instruction specified in the remittance processing program stored in the storage unit 72. The Internet banking payment server 70 includes a receiving unit 710, a remittance processing unit 720, and a transmitting unit 730 as functional units. The receiving unit 710 receives the instruction information from the transaction management server 10. The remittance processing unit 720 executes the remittance processing based on the remittance instruction from the transaction management server 10. The transmission unit 730 transmits remittance-related information. The transaction-related information processed by the Internet banking payment server 70 may be appropriately stored in the transaction management information database 740.

(11-2. Transaction management control processing)
Next, the transaction management control process based on the instruction by the transaction management program in the transaction management control unit 100 will be described. 31 to 33 show a flow chart (S200J) of the second transaction management control process and a flow chart (S300J) of the third transaction management control process based on the instruction by the transaction management program in the transaction management control unit 100. Since the first transaction management control process is the same as that of the first embodiment, the description in the present embodiment is omitted.

First, as shown in FIG. 31, the remittance processing instruction unit 140 of the transaction management server 10 converts the loan information generated in advance from the lender's savings account to the borrower's savings account to the Internet banking settlement server 70. The remittance instruction information of the corresponding loan amount is transmitted (S201J).

When the Internet banking payment server 70 receives the remittance instruction information at the receiving unit 710 (S203J), the Internet banking payment server 70 changes from the lender's savings account to the borrower's savings account based on the received remittance instruction information. The remittance process to is executed (S205J). At this time, the received remittance instruction information may be stored in the transaction management information database 740 of the storage unit 72. The Internet banking settlement server 70 may execute the remittance process from the lender's savings account to the borrower's savings account based on the received remittance instruction information and the transaction-related information stored in the transaction-related information DB. After the remittance process is completed, the Internet banking settlement server 70 generates the remittance process completion information together with the remittance information and transmits it to the transaction management server 10 (S207J). When the transaction management server 10 receives the remittance information and the remittance processing completion information (S209J), the acquired remittance information is appropriately stored in the storage unit 12.

Next, as shown in FIG. 32, the calculation date (quick clearing date) for confirming the payment status is detected (S301J). The detection process is repeated until a predetermined date set as the calculation date is reached (S303J; No).

When it is detected that the predetermined date has been reached (S303J; Yes), the transmission unit 160 transmits the payment confirmation instruction information to the Internet banking payment server 70 (S305J). When the Internet banking settlement server 70 receives the payment confirmation instruction information (S307J), it acquires the payment information from the borrower's savings account stored in the transaction-related information DB740 to the lender's savings account, and is acquired. The deposit information is transmitted to the transaction management server 10 (S309J). The acquisition unit 110 of the transaction management server 10 receives the payment information (S311J) and stores it in the storage unit 12.

Next, the determination unit 150 determines whether the amount of money deposited from the borrower's savings account to the lender's savings account satisfies a predetermined condition (S313J). In this case, the predetermined condition is that the savings account of the same amount or more as the amount transferred from the lender's savings account to the borrower's savings account at the time of lending is deposited. In this case, the deposit (remittance) process is performed by the borrower activating an application (remittance application) for executing the remittance process of the savings account settlement server downloaded to the borrower terminal 30 and depositing the money in the savings account. It is done by executing a remittance of money. At this time, the borrower can perform remittance processing (repayment) by the Internet banking settlement server 70 when the remittance button on the remittance application is clicked. Further, in the present embodiment, if the amount borrowed by the calculation date is deposited, no additional interest rate is generated. Therefore, the borrower can easily borrow cash using a savings account. Cash transferred to the borrower's savings account can be withdrawn as appropriate.

When the deposit amount meets the predetermined conditions (S315; Yes), the loan information is not changed. Therefore, in the next loan, it will be possible to lend a savings account with the same amount as the previous loan amount.

On the other hand, when the deposit amount does not meet the predetermined conditions (S315J; No), the amount corresponding to the difference between the loan amount and the deposit amount from the deposit amount deposited in the lender's savings account on the Internet banking settlement server 70. The amount after deducting is changed to the next loan (S317J). Specifically, if a loan of 100,000 yen is deposited with 80,000 yen, the unpaid amount will be 20,000 yen. At this time, 79,704 yen, which is obtained by subtracting 296 yen as interest corresponding to 20,000 yen from 80,000 yen, will be the next remittance amount. As a result, the borrower is in the same state as borrowing 100,000 yen again, including the unpaid amount of 20,000 yen. The amount of interest is not limited to the amount that fluctuates according to the interest rate, and may be a fixed amount that is uniformly set at 1,000 yen.

If there is no loan agreement again (S319J; No), the third transaction management control process S300J may be terminated here. When it is registered in advance to make a loan again in the contract information or the like (S319J; Yes), the remittance processing instruction unit 140 transmits the remittance instruction information of the loan based on the above to the Internet banking settlement server 70 (S321J). ). When the Internet banking settlement server 70 receives the remittance instruction information again (S322J), the Internet banking settlement server 70 performs the remittance process again from the lender's savings account to the borrower's savings account (S323J). After the remittance processing is completed, the Internet banking settlement server 70 transmits the remittance processing completion information to the transaction management server 10 (S325J). When the transaction management server 10 receives the remittance processing completion information (S327J), the transaction management server 10 stores the information in the transaction-related information database 12b of the storage unit 12. After receiving the remittance processing completion information, the calculation date detection process is executed again (S301J). In the present embodiment, the third transaction management control process S300 can be repeatedly executed. When cash lending (remittance) processing from the lender's savings account to the borrower's savings account is repeatedly executed, the borrower will contact the borrower terminal 30 for a monthly loan amount of 100,000 yen. When the remittance button is pressed on the remittance application, the savings account settlement server 20 executes cash repayment (remittance) processing.

By using this embodiment, the transaction management server 10 and the Internet banking settlement server 70 cooperate with each other, and a plurality of times of lending, borrowing and repayment processing can be quickly performed using cash between the lender terminal and the borrower terminal. It can be done easily.

In the present embodiment, an example using a savings account has been described, but the present invention is not limited to this, and various accounts at financial institutions may be used.

<12th Embodiment>
In the present embodiment, an example in which remittance (payment) including the loan amount and the amount equivalent to interest is performed from the borrower's terminal will be described. Interest may be displayed in the remittance app on the borrower's terminal. When the borrower clicks the remittance button on the remittance application, the transmission unit 320 of the borrower terminal 30 transmits the remittance request information about the total amount of the loan amount and the interest to the electronic money settlement server 20. The electronic money payment server 20 performs remittance processing (repayment) based on the information.

In the present embodiment, as shown in FIG. 14, the determination unit 150 determines whether the amount of money deposited from the borrower's electronic money account to the lender's electronic money account satisfies a predetermined condition (S313). In this case, the prescribed condition is that the deposit amount matches the total amount of money transferred from the lender's electronic money account to the borrower's electronic money account (loan amount) and interest amount at the time of lending. Is. For example, the determination unit 150 determines whether the deposit amount is 102,000 yen, which is the total amount of the loan amount of 100,000 yen and the interest amount (2,000 yen).

When the deposit amount meets the predetermined conditions (S315; Yes), it is not necessary to change the loan information. At this time, if it is registered in advance in the contract information or the like that the loan will be made again (S319; Yes), the remittance processing instruction unit 140 sends the remittance instruction information of the loan based on the loan information to the electronic money settlement server 20. It is transmitted (S321). As a result, the borrower can borrow the same amount of electronic money as the previous loan amount (borrowing amount) in the next loan.

On the other hand, when the deposit amount does not meet the predetermined condition (S315; No), the amount corresponding to the difference between the loan amount and the deposit amount from the deposit amount deposited in the lender's electronic money account on the electronic money settlement server 20. The amount after deducting may be changed to the next loan. Specifically, if a loan of 100,000 yen is deposited with 100,000 yen, the unpaid amount will be 2,000 yen for interest. At this time, 98,000 yen, which is 100,000 yen minus 2000 yen, which is the interest amount, will be the next remittance amount, and the loan amount may be set as 100,000 yen.

By using this embodiment, the transaction management server 10 and the electronic money settlement server 20 can cooperate with each other to instruct the remittance processing of the optimum amount based on the relationship between the loan amount and the repayment amount. As a result, a plurality of times of lending, borrowing and repayment processing between the lender terminal and the borrower terminal can be performed quickly and easily.

In the present embodiment, if the deposit amount does not satisfy the predetermined condition (S315; No), the third transaction management control process S300 may be terminated at that time. In other words, repeated lending is not possible when the predetermined conditions are no longer met.

Further, in the present embodiment, the fee payment process set every month may be performed as needed, or the fee payment process may be omitted.

(Modification example)
Within the scope of the ideas of the present disclosure, those skilled in the art can conceive of various modified examples and modified examples, and it is understood that these modified examples and modified examples also belong to the scope of the present disclosure. For example, those skilled in the art who appropriately add, delete, or change the design of each of the above-described embodiments, or add, omit, or change the conditions of steps are also gist of the present disclosure. Is included in the scope of this disclosure as long as it is provided.

In the second embodiment of the present disclosure, an example in which the notification unit 170 notifies the reminder information is shown, but the present invention is not limited to this. The notification unit 170 may notify the borrower terminal 30 of the payment guidance information from several days before the calculation date. As a result, the borrower can make a deposit according to the calculation date and can prevent forgetting to repay the loan.

Further, in the first embodiment of the present disclosure, an example is shown in which the electronic money settlement server executes the remittance process when the borrower clicks a button on the application, but the present invention is not limited to this. For example, the electronic money payment server may detect the calculation date and automatically execute the remittance (withdrawal) process. This allows the borrower to prevent forgetting to repay.

Further, in the seventh embodiment of the present disclosure, an example in which the deposit processing is performed by providing a preliminary period after the calculation date is shown, but the present invention is not limited to this. For example, if the borrower makes a deposit before the calculation date, the deposit information may be stored in the storage unit 12 of the transaction management server 10 (or the storage unit 22 of the electronic money settlement server 20) until the calculation date. In this case, the predetermined period before and after the calculation date can be regarded as the repayment period. As a result, the borrower is not considered to have forgotten to repay because the deposit information is stored even if the deposit is made before the calculation date. For example, when the calculation date is changed from 15th to 25th, it is assumed that the payment is made on the 15th day before the change. In addition, by using this embodiment, the borrower can process the deposit when the money on hand is available. Therefore, the degree of freedom of repayment of the borrower is improved.

Further, in the first embodiment of the present disclosure, an example is shown in which the transaction management server 10, the electronic money settlement server 20, and the lender terminal 40 are separately provided, but at least two of them are provided as one. May be good. For example, the transaction management server 10 and the electronic money payment server 20 may be provided as one. FIG. 34 shows a functional block diagram composed of each component of the transaction management system 1I. As shown in FIG. 34, the transaction management server 10I includes the electronic money settlement control unit 200I together with the transaction management control unit 100. The electronic money payment control unit 200I can perform the same function as each functional unit of the electronic money payment server.

Further, the electronic money payment server 20 and the lender terminal 40 may be provided integrally.

Further, in the first to twelfth embodiments of the present disclosure, examples relating to lending and repayment using electronic money or cash (specifically, electronic information of cash in the account) are shown, but the present invention is not limited thereto. For example, in addition to electronic money, cash or points, virtual currency or different electronic monetary values may be used. Collectively, they can be called "digital currencies." In line with the above, electronic money accounts and savings accounts can be referred to as digital currency accounts. Similarly, the electronic money payment server 20 and the Internet banking payment server 70 can be called a digital currency payment server.

In addition, a plurality of digital currencies may be used in combination in each embodiment of the present disclosure. In this case, one digital currency (first digital currency) may be set as the digital currency for remittance. The setting of the first digital currency may be performed based on the information input to the borrower terminal. Further, the digital currency settlement server (for example, the electronic money settlement server 20) may set a conversion fee when converting a second digital currency different from the first digital currency into the first digital currency. As a result, only one digital currency needs to be used when performing remittance processing. Therefore, the remittance process can be simplified.

In addition, an administrator may be appropriately provided for each digital currency. For example, in the case of electronic money, an administrator is provided as in the case of cash, but in the case of virtual currency, an administrator may not be provided.

1 ... Transaction management system, 10 ... Transaction management server, 11 ... Communication unit, 12 ... Storage unit, 13 ... Control unit, 14 ... Display unit, 20 ... Electronic money Payment server, 21 ... communication unit, 22 ... storage unit, 23 ... control unit, 30 ... borrower terminal, 31 ... display unit, 32 ... control unit, 33 ... Storage unit, 34 ... Operation unit, 35 ... Communication unit, 40 ... Lender terminal, 41 ... Display unit, 42 ... Control unit, 43 ... Storage unit, 44 ... Operation unit, 45 ... Communication unit, 50 ... Network, 60 ... Approver terminal, 100 ... Transaction management control unit, 110 ... Acquisition unit, 120 ... Generation unit, 130 ... -Cooperation instruction unit, 140 ... remittance processing instruction unit, 150 ... judgment unit, 160 ... transmission unit, 170 ... notification unit, 180 ... setting unit, 210 ... reception unit, 220 ... remittance processing unit, 230 ... transmission unit, 310 ... reception unit, 320 ... transmission unit, 410 ... reception unit, 420 ... transmission unit, 610 ... reception unit, 620 ... Transmitter, 710 ... Receiver, 720 ... Remittance processing unit, 730 ... Transmitter

Claims (23)

The loan amount from the lender's digital currency account to the borrower's digital currency account on the first digital currency settlement server, and from the borrower's digital currency account to the lender's digital currency account on the first digital currency settlement server. A transaction management method for instructing a remittance process of an amount obtained by subtracting an amount corresponding to a difference between the loan amount and the deposit amount from the deposit amount based on the relationship with the deposit amount for a predetermined date or period. Instructs remittance processing of an amount obtained by subtracting a predetermined fixed amount from the amount obtained by subtracting the amount corresponding to the difference between the loan amount and the deposit amount from the deposit amount.
The transaction management method according to claim 1. When the deposit amount does not satisfy a predetermined condition with respect to the loan amount, the remittance process of the amount obtained by subtracting the amount corresponding to the difference between the loan amount and the deposit amount from the deposit amount is instructed.
The transaction management method according to claim 1 or 2. When the deposit amount does not meet the predetermined conditions with respect to the loan amount, the reminder information is notified to the borrower's terminal.
The reminder information is displayed when the website or application is launched on the borrower's terminal.
The transaction management method according to claim 3. The predetermined condition is that the deposit amount is equal to or more than the loan amount.
The transaction management method according to claim 3 or 4. The remittance process from the lender's digital currency account to the borrower's digital currency account on the first digital currency settlement server is performed n times (n is 3 or more).
When the amount of money deposited from the borrower's digital currency account to the lender's digital currency account on the first digital currency settlement server does not meet the predetermined conditions more than once.
Register the borrower's information in the monitoring list,
The transaction management method according to any one of claims 1 to 5. When the borrower's digital currency account has not been credited to the lender's digital currency account on the first digital currency settlement server.
Disable new remittance processing from the lender's digital currency account to the borrower's digital currency account,
The transaction management method according to any one of claims 1 to 5. The remittance process from the lender's digital currency account to the borrower's digital currency account on the first digital currency settlement server is performed n times (n is 2 or more).
Any of the n + 1th and subsequent deposits according to the predetermined number of deposits from the borrower's digital currency account to the lender's digital currency account on the first digital currency settlement server. The transaction management method according to any one of claims 1 to 5, wherein the information instructing the borrower to additionally input the information of the borrower is transmitted before the remittance processing to the digital currency account of the borrower. The remittance process from the lender's digital currency account to the borrower's digital currency account on the first digital currency settlement server is performed n times (n is 2 or more).
The borrowers from the n + 1st times onward according to the predetermined number of deposits from the borrower's digital currency account to the lender's digital currency account on the first digital currency settlement server. The transaction management method according to any one of claims 1 to 5, which sets a remittance amount in a remittance process to a person's digital currency account. Instruct the first digital currency settlement server to transfer the loan amount from the lender's digital currency account to the borrower's digital currency account.
The loan amount is different from the deposit amount of the borrower's digital currency account to the lender's digital currency account on the first digital currency settlement server for a predetermined date or period, and the first digital currency settlement server. 2 The loan amount from the total amount based on the relationship with the total amount of the second deposit amount for a predetermined date or period from the borrower's digital currency account to the lender's digital currency account on the digital currency settlement server. A transaction management method for instructing a new remittance process of an amount obtained by subtracting an amount corresponding to the difference between the total amount and the total amount. Before instructing the remittance process, the first instruction information instructing the borrower terminal to transmit the information of the approver based on the information of the borrower is transmitted.
Based on the transmitted information of the approver, the second instruction information instructing the approver terminal to transmit the approval / disapproval information is transmitted.
Based on the consent information transmitted from the approver terminal, the third instruction information instructing the remittance processing from the lender's digital currency account to the borrower's digital currency account in the first digital currency settlement server is transmitted. , The transaction management method according to any one of claims 1 to 10. The remittance process from the lender's digital currency account to the borrower's digital currency account on the first digital currency settlement server is performed n times (n is 2 or more).
Any of the n + 1th and subsequent deposits according to the predetermined number of deposits from the borrower's digital currency account to the lender's digital currency account on the first digital currency settlement server. A transaction management method that sends information instructing the borrower to additionally enter the borrower's information before processing the transfer to the borrower's digital currency account. The loan amount from the lender's digital currency account to the borrower's digital currency account on the first digital currency settlement server, and from the borrower's digital currency account to the lender's digital currency account on the first digital currency settlement server. Includes a remittance processing instruction unit that instructs the remittance processing of the amount obtained by subtracting the amount corresponding to the difference between the loan amount and the deposit amount from the deposit amount based on the relationship with the deposit amount of the predetermined date or period. ,
Transaction management system. The remittance processing instruction unit instructs the remittance processing of the amount obtained by subtracting the predetermined fixed charge from the amount obtained by subtracting the amount corresponding to the difference between the loan amount and the deposit amount from the deposit amount.
The transaction management system according to claim 13. A determination unit for determining whether or not the deposit amount satisfies a predetermined condition with respect to the loan amount is included.
When the predetermined condition is not satisfied, the remittance processing instruction unit instructs the remittance processing of the amount obtained by subtracting the amount corresponding to the difference between the loan amount and the deposit amount from the deposit amount.
The transaction management system according to claim 13 or 14. When the predetermined condition is not satisfied, the deposit amount includes a notification unit for notifying the borrower's terminal of reminder information with respect to the loan amount.
The reminder information is displayed when the website or application is launched on the borrower's terminal.
The transaction management system according to claim 15. The predetermined condition is that the deposit amount is equal to or more than the loan amount.
The transaction management system according to claim 15 or 16. The remittance process from the lender's digital currency account to the borrower's digital currency account on the first digital currency settlement server is performed n times (n is 3 or more).
When the amount of money deposited from the borrower's digital currency account to the lender's digital currency account on the first digital currency settlement server does not meet the predetermined conditions more than once.
The determination unit registers the borrower's information in the monitoring list.
The transaction management system according to any one of claims 15 to 17. When the borrower's digital currency account has not been credited to the lender's digital currency account on the first digital currency settlement server.
The remittance processing instruction unit invalidates the new remittance processing from the lender's digital currency account to the borrower's digital currency account.
The transaction management system according to any one of claims 13 to 17. The remittance process from the lender's digital currency account to the borrower's digital currency account on the first digital currency settlement server is performed n times (n is 2 or more).
Any of the n + 1th and subsequent deposits according to the predetermined number of deposits from the borrower's digital currency account to the lender's digital currency account on the first digital currency settlement server. Includes a transmitter that sends information instructing the borrower to additionally enter the borrower's information prior to processing the remittance to the borrower's digital currency account.
The transaction management system according to any one of claims 13 to 17. The remittance process from the lender's digital currency account to the borrower's digital currency account on the first digital currency settlement server is performed n times (n is 2 or more).
The borrowers from the n + 1st times onward according to the predetermined number of deposits from the borrower's digital currency account to the lender's digital currency account on the first digital currency settlement server. Includes a settings section that sets the amount to be sent in the process of sending money to a person's digital currency account,
The transaction management system according to any one of claims 13 to 17. The first digital currency settlement server includes a remittance processing instruction unit that instructs the remittance processing of the loan amount from the lender's digital currency account to the borrower's digital currency account.
The remittance processing instruction unit includes the loan amount, the amount of money deposited from the borrower's digital currency account to the lender's digital currency account on the first digital currency settlement server for a predetermined date or period, and the first digital. Based on the relationship with the total amount of the second deposit amount for a predetermined date or period from the borrower's digital currency account to the lender's digital currency account on the second digital currency settlement server different from the currency settlement server. A transaction management system that instructs a new remittance process of an amount obtained by subtracting an amount corresponding to a difference between the loan amount and the total amount from the total amount. A transmission unit that transmits a first instruction information instructing the borrower terminal to transmit the consenter's information based on the borrower's information before instructing the remittance process.
Based on the transmitted information of the approver, the transmitting unit transmits the second instruction information instructing the approver terminal to transmit the approval / disapproval information.
The transmission unit instructs a third process of remittance from the lender's digital currency account to the borrower's digital currency account in the first digital currency settlement server based on the consent information transmitted from the approver terminal. The transaction management system according to any one of claims 13 to 22 , which transmits instruction information.

Images