JP6876666B2

JP6876666B2 - Money management support system, money management support server, and money management support program

Info

Publication number: JP6876666B2
Application number: JP2018207263A
Authority: JP
Inventors: 大輔櫨原; 愛長谷川
Original assignee: 三菱Ｕｆｊ信託銀行株式会社
Priority date: 2018-11-02
Filing date: 2018-11-02
Publication date: 2021-05-26
Anticipated expiration: 2038-11-02
Also published as: JP2020071806A

Description

本発明は、委任者（委託者等を含む）から代理人に委任された資金の管理をサポートするための資金管理サポートシステム、資金管理サポートサーバ、及び資金管理サポートプログラムに関する。 The present invention relates to a fund management support system, a fund management support server, and a fund management support program for supporting the management of funds delegated by a delegator (including a consignor, etc.) to an agent.

認知症の方の預貯金・財産管理をその家族・親族が行う場合、認知症の方のキャッシュカード・暗証番号で引き出しを行っているケースが大半である。このようなケースでは、「本人確認」が行われない、第三者の目が届かない、といった問題点があり、適切な管理が行われているかが不明瞭である。また、認知症の方名義の預金口座から引き出した資金の使用に関して、他の家族・親族から不正な使用を疑われる展開が生じる場合もある。さらに、認知症の方名義の預金口座の資金の使用に限らず、親から子へ贈与又は仕送りをした資金、夫婦の資金、及び／又は、多数の人が拠出した資金について、その使用に疑義が生じる場合がある。 When a family member or relative manages deposits and savings and property management for a person with dementia, in most cases the person with dementia withdraws with a cash card or PIN. In such a case, there are problems that "identity verification" is not performed and that a third party cannot see it, and it is unclear whether appropriate management is performed. In addition, regarding the use of funds withdrawn from a deposit account in the name of a person with dementia, there may be cases where other family members / relatives suspect that the funds have been used improperly. Furthermore, not only the use of funds in the deposit account in the name of the person with dementia, but also the use of funds donated or remitted from the parent to the child, the funds of the couple, and / or the funds contributed by a large number of people are doubtful. May occur.

背景技術で述べたように、親名義等の預金口座にある資金を適切に使用したことを証明等するためには、親から支払を委任された子等が、支払の都度、領収書等を保存するとともに、支払の金額、日時、用途等を記録するという、煩雑で負担がかかる処理をせざるを得なかった。 As mentioned in the background technology, in order to prove that the funds in the deposit account in the name of the parent have been used properly, the child, etc., who has been entrusted with the payment by the parent, receives a receipt, etc. each time the payment is made. In addition to saving, we had to perform complicated and burdensome processing such as recording the payment amount, date and time, usage, etc.

そこで、本発明は、管理を委任された資金を適切に使用したことを、比較的手間がかからない処理で証明又は確認することが可能な、資金管理サポートシステム、資金管理サポートサーバ、及び資金管理サポートプログラムの提供を目的とする。 Therefore, the present invention provides a fund management support system, a fund management support server, and a fund management support capable of proving or confirming that the funds delegated for management have been used appropriately with relatively effortless processing. The purpose is to provide a program.

本発明の各態様は次の通りである。
（態様１）委任者から代理人に対して委任された資金を管理するための資金管理サポートシステムであって、前記資金管理サポートシステムは、前記代理人によって操作可能とされ、前記資金の移動を請求するための資金移動請求を送信可能な代理人側端末装置と、閲覧者によって操作可能とされ、前記資金の移動に関する履歴情報を閲覧するための情報閲覧要求を送信可能な閲覧者側端末装置と、前記代理人側端末装置及び前記閲覧者側端末装置と通信可能な資金管理サポートサーバとを備え、前記資金管理サポートサーバは、前記代理人側端末装置から前記資金移動請求を受信すると、前記資金の移動を実行するための資金移動指令を、前記資金を保管する勘定系システムに対して送信するとともに、前記閲覧者側端末装置から前記情報閲覧要求を受信すると、前記履歴情報を前記閲覧側端末装置に対して送信する、資金管理サポートシステム。 Each aspect of the present invention is as follows.
(Aspect 1) A fund management support system for managing funds delegated by a delegator to an agent, and the fund management support system is made operable by the agent to transfer the funds. An agent-side terminal device capable of transmitting a fund transfer request for billing, and a viewer-side terminal device that can be operated by a viewer and can transmit an information viewing request for viewing history information related to the transfer of funds. And the fund management support server capable of communicating with the agent side terminal device and the viewer side terminal device, and when the fund management support server receives the fund transfer request from the agent side terminal device, the said When a fund transfer command for executing the transfer of funds is transmitted to the accounting system that stores the funds and the information viewing request is received from the reader side terminal device, the history information is transmitted to the viewing side. A money management support system that sends to terminal devices.

（態様２）態様１に記載の資金管理サポートシステムにおいて、前記資金管理サポートサーバは、前記資金移動請求の受信から所定期間の経過後に前記資金移動指令を前記勘定系システムに対して送信する、資金管理サポートシステム。
（態様３）態様２に記載の資金管理サポートシステムにおいて、前記代理人側端末装置は、前記所定期間の内に、前記資金の移動を取り消す取消要求を送信可能であり、前記資金管理サポートサーバは、前記代理人側端末装置から前記取消要求を受信すると、前記資金移動請求を取り消す、資金管理サポートシステム。
（態様４）態様１〜３のいずれか一項に記載の資金管理サポートシステムにおいて、
前記委任者によって操作可能とされ、前記移動請求を送信可能な委任者側端末装置をさらに備え、前記資金管理サポートサーバは、前記委任者側端末装置から前記移動請求を受信すると、前記資金移動指令を前記勘定系システムに対して送信する、資金管理サポートシステム。 (Aspect 2) In the fund management support system according to the first aspect, the fund management support server transmits the fund transfer command to the accounting system after a lapse of a predetermined period from the receipt of the fund transfer request. Management support system.
(Aspect 3) In the fund management support system according to the second aspect, the agent-side terminal device can send a cancellation request for canceling the transfer of funds within the predetermined period, and the fund management support server , A fund management support system that cancels the fund transfer request when the cancellation request is received from the agent-side terminal device.
(Aspect 4) In the fund management support system according to any one of aspects 1 to 3,
A delegator-side terminal device that is operable by the delegator and capable of transmitting the transfer request is further provided, and when the fund management support server receives the transfer request from the delegator-side terminal device, the fund transfer command is provided. A fund management support system that sends a message to the accounting system.

（態様５）態様４に記載の資金管理サポートシステムにおいて、前記委任者側端末装置は、前記所定期間の内に、前記資金の移動を取り消す取消要求を送信可能であり、前記資金管理サポートサーバは、前記委任者側端末装置から前記取消要求を受信すると、前記資金移動請求を取り消す、資金管理サポートシステム。
（態様６）態様１〜５のいずれか一項に記載の資金管理サポートシステムにおいて、前記代理人側端末装置は、前記閲覧者側端末装置を設定するための閲覧者設定要求を送信可能であり、前記資金管理サポートサーバは、前記代理人側端末装置から前記閲覧者設定要求を受信すると、任意の端末装置を前記閲覧者側端末装置として設定するための招待情報を前記任意の端末装置に送信する、資金管理サポートシステム。
（態様７）態様４又は５のいずれか一項に記載の資金管理サポートシステムにおいて、
前記委任者側端末装置は、前記閲覧者側端末装置を設定するための閲覧者設定要求を送信可能であり、前記資金管理サポートサーバは、前記委任者側端末装置から前記閲覧者設定要求を受信すると、任意の端末装置を前記閲覧者側端末装置として設定するための招待情報を前記任意の端末装置に送信する、資金管理サポートシステム。 (Aspect 5) In the fund management support system according to the fourth aspect, the delegator-side terminal device can send a cancellation request for canceling the transfer of funds within the predetermined period, and the fund management support server , A fund management support system that cancels the fund transfer request when the cancellation request is received from the delegator-side terminal device.
(Aspect 6) In the fund management support system according to any one of aspects 1 to 5, the agent-side terminal device can transmit a viewer setting request for setting the viewer-side terminal device. When the fund management support server receives the viewer setting request from the agent side terminal device, the fund management support server transmits invitation information for setting an arbitrary terminal device as the viewer side terminal device to the arbitrary terminal device. Money management support system.
(Aspect 7) In the fund management support system according to any one of Aspects 4 or 5.
The delegator-side terminal device can transmit a viewer setting request for setting the viewer-side terminal device, and the fund management support server receives the viewer setting request from the delegator-side terminal device. Then, a fund management support system that transmits invitation information for setting an arbitrary terminal device as the viewer side terminal device to the arbitrary terminal device.

（態様８）態様４、５、７のいずれか一項に記載の資金管理サポートシステムにおいて、前記委任者側端末装置は、前記閲覧者側端末装置の前記情報閲覧要求の権限を解除するための解除要求を送信可能であり、前記資金管理サポートサーバは、前記委任者側端末装置から前記解除要求を受信すると、前記閲覧者側端末装置に対する前記履歴情報の送信を停止する、資金管理サポートシステム。
（態様９）態様１〜８のいずれか一項に記載の資金管理サポートシステムにおいて、後見人によって操作可能とされ、前記資金移動請求を送信可能な後見人側端末装置をさらに備え、前記資金管理サポートサーバは、前記後見人側端末装置から前記資金移動請求を受信すると、前記資金の移動を実行するための資金移動指令を前記勘定系システムに対して送信する、資金管理サポートシステム。 (Aspect 8) In the fund management support system according to any one of aspects 4, 5 and 7, the delegator-side terminal device is for releasing the authority of the information viewing request of the viewer-side terminal device. A fund management support system capable of transmitting a cancellation request, in which the fund management support server stops transmitting the history information to the viewer side terminal device when the cancellation request is received from the delegator side terminal device.
(Aspect 9) In the fund management support system according to any one of aspects 1 to 8, the fund management support server further includes a guardian-side terminal device that can be operated by a guardian and can transmit the fund transfer request. Is a fund management support system that, when receiving the fund transfer request from the guardian-side terminal device, transmits a fund transfer command for executing the transfer of funds to the accounting system.

（態様１０）態様９に記載の資金管理サポートシステムにおいて、前記後見人側端末装置は、所定期間の内に、前記資金の移動を取り消す取消要求を送信可能であり、前記資金管理サポートサーバは、前記後見人側端末装置から前記取消要求を受信すると、前記資金移動請求を取り消す、資金管理サポートシステム。
（態様１１）態様９又は１０に記載の資金管理サポートシステムにおいて、前記後見人側端末装置は、前記閲覧者側端末装置を設定するための閲覧者設定要求を送信可能であり、前記資金管理サポートサーバは、前記後見人側端末装置から前記閲覧者設定要求を受信すると、任意の端末装置を前記閲覧者側端末装置として設定するための招待情報を前記任意の端末装置に送信する、資金管理サポートシステム。 (Aspect 10) In the fund management support system according to the ninth aspect, the guardian-side terminal device can send a cancellation request for canceling the transfer of funds within a predetermined period, and the fund management support server may send the cancellation request. A fund management support system that cancels the fund transfer request when the cancellation request is received from the guardian terminal device.
(Aspect 11) In the fund management support system according to the aspect 9 or 10, the guardian side terminal device can transmit a viewer setting request for setting the viewer side terminal device, and the fund management support server. Is a fund management support system that, when receiving the viewer setting request from the guardian side terminal device, transmits invitation information for setting an arbitrary terminal device as the viewer side terminal device to the arbitrary terminal device.

（態様１２）態様１〜１１のいずれか一項に記載の資金管理サポートシステムにおいて、前記資金管理サポートサーバに後見人の申立が登録されると、前記資金管理サポートサーバは、少なくとも前記代理人側端末装置による前記資金移動請求の権限を停止する、資金管理サポートシステム。
（態様１３）態様１〜１２のいずれか一項に記載の資金管理サポートシステムにおいて、前記資金管理サポートサーバに後見人の選任が登録されると、前記資金管理サポートサーバは、前記代理人側端末装置による全ての権限を停止する、資金管理サポートシステム。
（態様１４）態様１〜１３のいずれか一項に記載の資金管理サポートシステムにおいて、前記資金移動請求は、領収書または請求書の画像データを含む、資金管理サポートシステム。
（態様１５）態様１〜１４のいずれか一項に記載の資金管理サポートシステムにおいて、前記資金管理サポートサーバは、前記資金の移動に関する情報を前記代理人側端末装置及び／又は前記閲覧者側端末装置に通知する、資金管理サポートシステム。
（態様１６）態様４、５、７、及び８のいずれか一項に記載の資金管理サポートシステムにおいて、前記資金管理サポートサーバは、前記資金の移動に関する情報を前記委任者側端末装置に通知する、資金管理サポートシステム。
（態様１７）態様９〜１１、及び１３のいずれか一項に記載の資金管理サポートシステムにおいて、前記資金管理サポートサーバは、前記資金の移動に関する情報を前記後見人側端末装置に通知する、資金管理サポートシステム。 (Aspect 12) In the fund management support system according to any one of aspects 1 to 11, when a guardian's petition is registered in the fund management support server, the fund management support server becomes at least the agent side terminal. A fund management support system that suspends the authority to request the transfer of funds by the device.
(Aspect 13) In the fund management support system according to any one of aspects 1 to 12, when the appointment of a guardian is registered in the fund management support server, the fund management support server becomes the agent side terminal device. A fund management support system that suspends all authority by.
(Aspect 14) In the fund management support system according to any one of aspects 1 to 13, the fund transfer request is a fund management support system including image data of a receipt or an invoice.
(Aspect 15) In the fund management support system according to any one of aspects 1 to 14, the fund management support server provides information on the transfer of funds to the agent-side terminal device and / or the viewer-side terminal. A money management support system that notifies the device.
(Aspect 16) In the fund management support system according to any one of aspects 4, 5, 7, and 8, the fund management support server notifies the delegator-side terminal device of information regarding the transfer of funds. , Money management support system.
(Aspect 17) In the fund management support system according to any one of aspects 9 to 11 and 13, the fund management support server notifies the guardian terminal device of information regarding the transfer of the funds. Support system.

（態様１８）態様１〜１７のいずれか一項に記載の資金管理サポートシステムにおいて、前記代理人側端末装置及び／又は前記閲覧者側端末装置は、前記資金の移動に関する履歴情報をダウンロードするためのダウンロード要求を送信可能であり、前記資金管理サポートサーバは、前記代理人側端末装置及び／又は前記閲覧者側端末装置から前記ダウンロード要求を受信すると、前記履歴情報をダウンロード可能な状態で前記代理人側端末装置及び／又は前記閲覧者側端末装置に対して送信する、資金管理サポートシステム。 (Aspect 18) In the fund management support system according to any one of aspects 1 to 17, the agent-side terminal device and / or the viewer-side terminal device downloads history information regarding the movement of the funds. When the fund management support server receives the download request from the agent-side terminal device and / or the viewer-side terminal device, the fund management support server can download the history information. A fund management support system that transmits to a human-side terminal device and / or the viewer-side terminal device.

（態様１９）態様６に記載の資金管理サポートシステムにおいて、前記資金管理サポートサーバは、前記招待情報を受け取った前記任意の端末装置から所定の情報を受信すると、閲覧権限の承認要求を前記代理人側端末装置に送信する、資金管理サポートシステム。
（態様２０）態様１９に記載の資金管理サポートシステムにおいて、前記代理人側端末装置は、前記閲覧権限の承認要求に対して、承認又は却下を前記資金管理サポートサーバに送信する、資金管理サポートシステム。
（態様２１）態様７に記載の資金管理サポートシステムにおいて、前記資金管理サポートサーバは、前記招待情報を受け取った前記任意の端末装置から所定の情報を受信すると、閲覧権限の承認要求を前記委任者側端末装置に送信する、資金管理サポートシステム。
（態様２２）態様２１に記載の資金管理サポートシステムにおいて、前記委任者側端末装置は、前記閲覧権限の承認要求に対して、承認又は却下を前記資金管理サポートサーバに送信する、資金管理サポートシステム。
（態様２３）態様１１に記載の資金管理サポートシステムにおいて、前記資金管理サポートサーバは、前記招待情報を受け取った前記任意の端末装置から所定の情報を受信すると、閲覧権限の承認要求を前記後見人側端末装置に送信する、資金管理サポートシステム。
（態様２４）態様２３に記載の資金管理サポートシステムにおいて、前記後見人側端末装置は、前記閲覧権限の承認要求に対して、承認又は却下を前記資金管理サポートサーバに送信する、資金管理サポートシステム。 (Aspect 19) In the fund management support system according to the sixth aspect, when the fund management support server receives predetermined information from the arbitrary terminal device that has received the invitation information, the agent makes a request for approval of viewing authority. A fund management support system that sends to the side terminal device.
(Aspect 20) In the fund management support system according to the aspect 19, the agent-side terminal device transmits an approval or rejection to the fund management support server in response to an approval request for viewing authority. ..
(Aspect 21) In the fund management support system according to the seventh aspect, when the fund management support server receives predetermined information from the arbitrary terminal device that has received the invitation information, the delegator requests approval of viewing authority. A fund management support system that sends to the side terminal device.
(Aspect 22) In the fund management support system according to the aspect 21, the delegator-side terminal device transmits an approval or rejection to the fund management support server in response to an approval request for viewing authority. ..
(Aspect 23) In the fund management support system according to the eleventh aspect, when the fund management support server receives predetermined information from the arbitrary terminal device that has received the invitation information, the guardian side makes a request for approval of viewing authority. A fund management support system that sends to the terminal device.
(Aspect 24) In the fund management support system according to aspect 23, the guardian-side terminal device transmits approval or rejection to the fund management support server in response to an approval request for viewing authority.

（態様２５）態様１〜２４のいずれか一項に記載の資金管理サポートシステムにおいて、
前記資金管理サポートサーバに後見人の申立が登録されると、前記資金管理サポートサーバは、少なくとも、前記委任者側端末装置による、資金の払出請求権限、及び／又は払出請求の取消権限を停止する、資金管理サポートシステム。
（態様２６）態様１〜２５のいずれか一項に記載の資金管理サポートシステムにおいて、前記資金管理サポートサーバに後見人の選任が登録されると、前記資金管理サポートサーバは、委任者による、追加入金権限、及び／又は全部解約権限を停止する、資金管理サポートシステム。 (Aspect 25) In the fund management support system according to any one of aspects 1 to 24,
When the guardian's petition is registered in the fund management support server, the fund management support server suspends at least the authority to request the withdrawal of funds and / or the authority to cancel the withdrawal request by the delegator-side terminal device. Money management support system.
(Aspect 26) In the fund management support system according to any one of aspects 1 to 25, when the appointment of a guardian is registered in the fund management support server, the fund management support server makes an additional deposit by the delegator. A fund management support system that suspends authority and / or all cancellation authority.

（態様２７）委任者から代理人に対して委任された資金を管理するための資金管理サポートサーバであって、前記資金管理サポートサーバは、前記代理人によって操作可能とされ、前記資金の移動を請求する資金移動請求を送信可能な代理人側端末装置、及び前記閲覧者によって操作可能とされ、前記資金の移動に関する履歴情報を閲覧する情報閲覧権限を有する閲覧者側端末装置、と通信可能であり、前記資金管理サポートサーバは、前記代理人側端末装置から前記資金移動請求を受信すると、前記資金の移動を実行するための資金移動指令を、前記資金を保管する勘定系システムに対して送信するとともに、前記閲覧者側端末装置から前記情報閲覧要求を受信すると、前記履歴情報を前記閲覧側端末装置に対して送信する、資金管理サポートサーバ。 (Aspect 27) A fund management support server for managing funds delegated by a delegator to an agent, and the fund management support server is made operable by the agent to transfer the funds. It is possible to communicate with the agent side terminal device capable of transmitting the requested fund transfer request and the viewer side terminal device that can be operated by the viewer and has the information viewing authority to view the history information related to the transfer of funds. When the fund management support server receives the fund transfer request from the agent-side terminal device, the fund management support server transmits a fund transfer command for executing the transfer of the funds to the accounting system for storing the funds. A fund management support server that transmits the history information to the viewing side terminal device when receiving the information viewing request from the viewing side terminal device.

（態様２８）委任者から代理人に対して委任された資金を管理するための資金管理サポートプログラムであって、前記資金管理サポートプログラムは、前記代理人によって操作可能とされ、前記資金の移動を請求する資金移動請求を送信可能な代理人側端末装置の動作を制御し、及び／又は閲覧者によって操作可能とされ、前記資金の移動に関する履歴情報を閲覧する情報閲覧権限を有する閲覧者側端末装置の動作を制御し、前記資金管理サポートプログラムは、前記代理人側端末装置及び前記閲覧者側端末装置と通信可能な資金管理サポートサーバに対して、前記代理人側端末装置から資金移動請求を送信し、及び／又は前記閲覧者側端末装置から前記履歴情報の送信を要求する、資金管理サポートプログラム。 (Aspect 28) A fund management support program for managing funds delegated by a delegator to an agent, wherein the fund management support program is made operable by the agent to transfer the funds. A viewer-side terminal that controls the operation of the agent-side terminal device capable of transmitting the requested fund transfer request, and / or is made operable by the viewer and has the information viewing authority to view the history information regarding the transfer of the funds. The fund management support program controls the operation of the device, and the fund management support program requests the fund transfer support server that can communicate with the agent side terminal device and the viewer side terminal device from the agent side terminal device. A fund management support program that transmits and / or requests transmission of the history information from the viewer-side terminal device.

本発明の資金管理サポートシステム、資金管理サポートサーバ、及び資金管理サポートプログラムは、管理を委任された資金を適切に使用したことを、比較的手間がかからない処理で証明することが可能となる。 The fund management support system, the fund management support server, and the fund management support program of the present invention can prove that the funds entrusted with management have been used appropriately with relatively effortless processing.

本発明の実施形態に係る資金管理サポートシステムにおける各ユーザー側端末装置の権限を示す模式図である。It is a schematic diagram which shows the authority of each user side terminal device in the fund management support system which concerns on embodiment of this invention. 本発明の実施形態に係る資金管理サポートシステムを含むネットワークの概念図である。It is a conceptual diagram of the network including the fund management support system which concerns on embodiment of this invention. 図１の資金管理サポートシステムに含まれるユーザー側端末装置の権限を示す図表である。It is a figure which shows the authority of the user side terminal device included in the fund management support system of FIG. 図１の資金管理サポートシステムにおける支払処理に関するフローチャートである。It is a flowchart about payment processing in the fund management support system of FIG.

本発明の実施形態に係る資金管理サポートシステム、資金管理サポートサーバ及び資金管理サポートプログラムを、図面を参照して説明する。本実施形態において、各ユーザー側端末装置は、携帯電話、スマートフォン、タブレット、又はＰＣ等の任意の通信機器とすることができる。 The fund management support system, the fund management support server, and the fund management support program according to the embodiment of the present invention will be described with reference to the drawings. In the present embodiment, each user-side terminal device can be any communication device such as a mobile phone, a smartphone, a tablet, or a PC.

本実施形態において、委任者（委託者兼受益者、契約者）、代理人、閲覧者、後見人とは次の通りである。委任者は、自己の預金口座にある資金の管理を契約に基づき委任する契約者本人であり、自己の指定する代理人に自己の預金口座からの払出し等の資金管理を委任する者であり、例えば、老年の親である。委任者は、資金管理サポートアプリが設定された委任者側端末装置を操作する。代理人は、委任者によって指定され、資金の払出し追加入金等の資金管理を実行する者であり、例えば、委任者の親族（子等）である。代理人は、資金管理サポートアプリが設定された代理人側端末装置を操作する。 In the present embodiment, the delegator (consignor / beneficiary, contractor), agent, viewer, and guardian are as follows. The delegator is the contractor who delegates the management of funds in his / her deposit account based on the contract, and is the person who delegates the management of funds such as withdrawals from his / her deposit account to the agent designated by himself / herself. For example, an old parent. The delegator operates the delegator-side terminal device in which the fund management support application is set. The agent is a person who is designated by the delegator and executes fund management such as withdrawal and additional deposit of funds, and is, for example, a relative (child, etc.) of the delegator. The agent operates the agent-side terminal device in which the fund management support application is set.

閲覧者は、資金管理の履歴情報を閲覧又はダウンロードする者であり、例えば、委任者の親族である。閲覧者は、資金管理サポートアプリが設定された閲覧者側端末装置を操作する。後見人は、委任者のために選任された後見人であり、委任者に代わって資金の払出し、追加入金等の資金管理を実行する者であり、例えば、委任者の子等の親族、司法書士、又は弁護士である。後見人は、資金管理サポートアプリが設定された後見人側端末装置を操作する。 The viewer is a person who browses or downloads the history information of fund management, and is, for example, a relative of the delegator. The viewer operates the viewer-side terminal device in which the fund management support application is set. A guardian is a guardian appointed on behalf of the mandate and who manages funds such as withdrawal of funds and additional deposits on behalf of the mandate, for example, relatives such as children of the mandate, a judicial scrivener, etc. Or a lawyer. The guardian operates the guardian-side terminal device in which the fund management support application is set.

［概要］
本発明の実施形態に係る資金管理サポートシステム１０００の概要を、図１を参照しつつ説明する。資金管理サポートシステム１０００は、資金管理サポートサーバ１００と、資金管理サポートサーバ１００と通信するユーザー側端末装置２００Ａ〜２００Ｄとから構成される。委任者によって操作される委任者側端末装置２００Ａは、委任者（契約者）が判断能力が有る間は、資金管理サポートサーバ１００に対して、いつでも払出請求（支払請求）が可能となっている。委任者（契約者）が判断能力が低下し、資金管理サポートサーバ１００に後見人選任の申立の届け出が登録されると、委任者側端末装置２００Ａによる払出請求の権限が停止される。代理人によって操作される代理人側端末装置２００Ｂは、後見人の選任の申立が資金管理サポートサーバ１００に登録されるまでは、資金管理サポートサーバ１００に対して、いつでも払出請求が可能となっている。代理人側端末装置２００Ｂの設定は、任意であり、委任者による資金管理サポート契約後の設定も可能となっている。 [Overview]
The outline of the fund management support system 1000 according to the embodiment of the present invention will be described with reference to FIG. The fund management support system 1000 includes a fund management support server 100 and user-side terminal devices 200A to 200D that communicate with the fund management support server 100. The delegator-side terminal device 200A operated by the delegator can make a withdrawal request (payment request) to the fund management support server 100 at any time while the delegator (contractor) has the judgment ability. .. When the delegator (contractor) loses his / her judgment ability and the notification of the petition for the appointment of a guardian is registered in the fund management support server 100, the authority to request the withdrawal by the delegator side terminal device 200A is suspended. The agent-side terminal device 200B operated by the agent can make a withdrawal request to the fund management support server 100 at any time until the petition for the appointment of a guardian is registered in the fund management support server 100. .. The setting of the agent side terminal device 200B is arbitrary, and the setting after the fund management support contract by the delegator is also possible.

後見人側端末装置２００Ｃは、委任者の判断能力が低下した後、資金管理サポートサーバ１００に後見人側端末装置２００Ｃが設定されると、資金管理サポートサーバ１００に対して、いつでも払出請求が可能となっている。資金管理サポートサーバ１００に後見人選任が登録されると、代理人側端末装置２００Ｂからの支払請求の権限は停止され、後見人側端末装置２００Ｃからの支払請求に切り替えられる。閲覧者によって操作される閲覧者側端末装置２００Ｄは、支払請求の内容及び／又は入出金履歴等の、資金管理情報の確認が可能となっている。 When the guardian-side terminal device 200C is set in the fund management support server 100 after the delegator's judgment ability is lowered, the guardian-side terminal device 200C can make a withdrawal request to the fund management support server 100 at any time. ing. When the appointment of a guardian is registered in the fund management support server 100, the authority to request payment from the agent side terminal device 200B is suspended, and the payment request is switched to the payment request from the guardian side terminal device 200C. The viewer-side terminal device 200D operated by the viewer can confirm fund management information such as payment request details and / or deposit / withdrawal history.

［資金管理サポートシステム１０００の構成］
図２を用いて、本発明の実施形態に係る資金管理サポートシステム１０００の具体的な構成を説明する。資金管理サポートシステム１０００は、資金管理サポートサーバ１００と、資金管理サポートアプリ（資金管理サポートプログラム）２１０がインストールされたユーザー側端末装置２００Ａ〜Ｄとから構成される。資金管理サポートサーバ１００は、勘定系システム３００と通信して勘定系データの送信を受ける。資金管理サポートサーバ１００は、勘定系システム３００に対して、委任者の預金口座から指定された預金口座への支払（払出し又は振込み）指令を送信することができる。勘定系システム３００は、少なくとも委任者の預金口座の入出金を管理（制御）することができる。好ましくは、勘定系システム３００は、委任者の預金口座、代理人の預金口座、及び／又は後見人の預金口座の入出金を管理（制御）してもよい。 [Configuration of fund management support system 1000]
A specific configuration of the fund management support system 1000 according to the embodiment of the present invention will be described with reference to FIG. The fund management support system 1000 includes a fund management support server 100 and user-side terminal devices 200A to D on which a fund management support application (fund management support program) 210 is installed. The fund management support server 100 communicates with the core banking system 300 to receive the core banking data. The fund management support server 100 can transmit a payment (withdrawal or transfer) command from the deposit account of the delegator to the designated deposit account to the accounting system 300. The core banking system 300 can at least manage (control) deposits and withdrawals in the deposit account of the delegator. Preferably, the core banking system 300 may manage (control) deposits and withdrawals of a delegator's deposit account, an agent's deposit account, and / or a guardian's deposit account.

資金管理サポートサーバ１００は、勘定系システム３００に接続された金融機関側端末装置３０１や各ユーザー側端末装置２００Ａ〜２００Ｄとの通信を認証するとともに、各部の動作を制御する制御部１０１と、認証用情報、支払請求、及び出金情報等の、資金管理情報を記録する資金管理データベース１０３と、勘定系システム３００や各ユーザー側端末装置２００Ａ〜２００Ｄとの間におけるデータの送受信を補助するアプリケーション・プログラミング・インターフェース（ＡＰＩ）１０５と、所定の条件（支払請求、入金処理の完了等）で各ユーザー側端末装置２００Ａ〜２００Ｄに所定の通知を送信する通知管理部１０７と、勘定系システム３００のデータ処理サーバ３０５と通信して勘定系データを受信する勘定系データ連携部１０９とから構成される。 The fund management support server 100 authenticates communication with the financial institution side terminal device 301 connected to the accounting system 300 and each user side terminal device 200A to 200D, and also authenticates with the control unit 101 that controls the operation of each part. An application that assists in the transmission and reception of data between the fund management database 103, which records cash management information such as information, payment requests, and withdrawal information, and the accounting system 300 and the terminal devices 200A to 200D on each user side. Data of the programming interface (API) 105, the notification management unit 107 that sends a predetermined notification to each user side terminal device 200A to 200D under predetermined conditions (payment request, completion of payment processing, etc.), and the data of the accounting system 300. It is composed of an account system data linkage unit 109 that communicates with the processing server 305 and receives account system data.

ユーザー側端末装置２００Ａ〜Ｄは、委任者側端末装置２００Ａ、代理人側端末装置２００Ｂ、閲覧者側端末装置２００Ｃ、後見人側端末装置２００Ｄの少なくとも一つから構成され、各ユーザー側端末装置毎に実行可能な権限が、資金管理サポートシステムによって設定されている。各ユーザー側端末装置２００Ａ〜Ｄで実行可能な具体的な権限は、図３に示されている。本実施形態においては、委任者に対する後見人選任の申し立ての届け出が資金管理サポートサーバ１００に登録され、これに応じて資金管理サポートサーバ１００は、図３に示すように、委任者側端末装置２００Ａ、代理人側端末装置２００Ｂから実行可能な処理権限を変更する。具体的には、資金管理サポートサーバ１００に後見人の選任の申立が登録されると、資金管理サポートサーバ１００は、委任者側端末装置２００Ａによる、資金の払出請求権限、払出請求の取消権限、閲覧者側端末装置の招待権限、及び閲覧者側端末装置の解除権限を停止し、委任者による、代理人側端末装置の設定権限、代理人側端末装置の解除権限を停止する。また、資金管理サポートサーバ１００に後見人の選任の申立が登録されると、資金管理サポートサーバ１００は、代理人側端末装置２００Ｂによる、資金の払出請求権限、払出請求の取消権限、及び閲覧者側端末装置の招待権限を停止し、代理人による追加入金権限を停止する。さらに、資金管理サポートサーバ１００に後見人の選任が登録されると、資金管理サポートサーバ１００は、委任者による、追加入金権限、及び全部解約権限を停止する。なお、全部解約とは、資金管理サポートシステム１０００を用いた全ての処理を停止（解約）することである。また、資金管理サポートサーバ１００に後見人の選任が登録されると、資金管理サポートサーバ１００は、代理人側端末装置２００Ｂによる全ての権限を停止する。なお、資金管理サポートシステム１０００を用いた資金管理契約が終了した後、一定期間（例えば、１年間）は、全ての又は指定するユーザー側端末装置２００Ａ〜２００Ｄから預金口座情報等の資金管理情報の閲覧、（入出金明細の）ダウンロードのみを可能としてもよい。 The user-side terminal devices 200A to D are composed of at least one of a delegator-side terminal device 200A, an agent-side terminal device 200B, a viewer-side terminal device 200C, and a guardian-side terminal device 200D. Executable permissions are set by the money management support system. The specific authority that can be executed by the terminal devices 200A to D on the user side is shown in FIG. In the present embodiment, the notification of the petition for the appointment of a guardian to the delegator is registered in the fund management support server 100, and the fund management support server 100 responds to the delegator side terminal device 200A, as shown in FIG. The processing authority that can be executed from the agent side terminal device 200B is changed. Specifically, when a petition for the appointment of a guardian is registered in the fund management support server 100, the fund management support server 100 has the authority to request the withdrawal of funds, the authority to cancel the withdrawal request, and the viewing by the delegator side terminal device 200A. The invitation authority of the terminal device on the person side and the release authority of the terminal device on the viewer side are stopped, and the setting authority of the terminal device on the agent side and the release authority of the terminal device on the agent side by the delegator are stopped. Further, when the petition for the appointment of a guardian is registered in the fund management support server 100, the fund management support server 100 has the authority to request the withdrawal of funds, the authority to cancel the withdrawal request, and the viewer side by the agent side terminal device 200B. Suspend the invitation authority of the terminal device and suspend the additional deposit authority by the agent. Further, when the appointment of a guardian is registered in the fund management support server 100, the fund management support server 100 suspends the additional deposit authority and the all cancellation authority by the delegator. In addition, all cancellation means to stop (cancel) all processing using the fund management support system 1000. Further, when the appointment of a guardian is registered in the fund management support server 100, the fund management support server 100 suspends all authority by the agent side terminal device 200B. After the fund management contract using the fund management support system 1000 is terminated, for a certain period (for example, one year), all or designated user-side terminal devices 200A to 200D can be used to collect fund management information such as deposit account information. Only viewing and downloading (of deposit / withdrawal details) may be possible.

勘定系システム３００は、金融機関側端末装置３０１と、勘定系データベース及びファイル転送部を備えた勘定系サーバ３０３と、受信セグメント及び送信セグメントを備えたデータ処理サーバ３０５とから構成される。 The core banking system 300 includes a core banking system terminal 301, a core banking server 303 including an accounting database and a file transfer unit, and a data processing server 305 including a receiving segment and a transmitting segment.

［委任者又は後見人側端末装置の権限設定］
委任者又は後見人が、資金管理サポートシステム１０００の運営者に資金管理の申込みを行い、資金管理サポートシステム１０００を用いた資金管理契約が成立した後、資金管理サポートサーバ１００は、委任者側端末装置２００Ａ又は後見人側端末装置２００Ｃを設定するためのＱＲコード（登録商標）等の二次元コードを生成し、二次元コードが委任者又は後見人に郵送等で提供される。委任者又は後見人は、自己の端末装置に資金管理サポートアプリをダウンロードする。その後、当該端末装置の資金管理サポートアプリは、二次元コードから端末設定情報を読み取り、資金管理サポートアプリを用いて、委任者又は後見人の端末装置が、委任者側端末装置２００Ａ又は後見人側端末装置２００Ｃとして設定される。これによって、委任者側端末装置２００Ａ又は後見人側端末装置２００Ｃは、資金管理サポートサーバ１００を介して、委任者の預金口座の資金管理を行うことが可能となる。 [Authority setting of delegator or guardian terminal device]
After the delegator or guardian applies for fund management to the operator of the fund management support system 1000 and a fund management contract using the fund management support system 1000 is concluded, the fund management support server 100 is a terminal device on the delegator side. A two-dimensional code such as a QR code (registered trademark) for setting the 200A or the guardian-side terminal device 200C is generated, and the two-dimensional code is provided to the delegator or the guardian by mail or the like. The delegator or guardian downloads the money management support app to his or her terminal device. After that, the fund management support application of the terminal device reads the terminal setting information from the two-dimensional code, and the terminal device of the delegator or the guardian uses the fund management support application to perform the delegator side terminal device 200A or the guardian side terminal device. It is set as 200C. As a result, the delegator-side terminal device 200A or the guardian-side terminal device 200C can manage the funds of the delegator's deposit account via the fund management support server 100.

［払出し機能］
資金管理サポートシステム１０００における払出機能について、説明する。
代理人側端末装置２００Ｂ、及び委任者側端末装置２００Ａは、資金管理サポートアプリ（資金管理サポートプログラム）でいつでも支払請求が可能となっている。委任者（契約者）の判断能力低下などで、委任者が委任者側端末装置２００Ａを用いた払出しを請求できなくなっても、代理人側端末装置２００Ｂの操作によって、委任者の預金口座から指定預金口座（代理人の預金口座等）に出金することができる。 [Payout function]
The payout function in the fund management support system 1000 will be described.
The agent-side terminal device 200B and the delegator-side terminal device 200A can be billed at any time using the fund management support application (fund management support program). Even if the delegator cannot request the withdrawal using the delegator side terminal device 200A due to a decrease in the judgment ability of the delegator (contractor), the delegator can be designated from the delegator's deposit account by operating the agent side terminal device 200B. Withdrawals can be made to a deposit account (such as a deposit account of an agent).

資金管理サポートサーバ１００は、委任者の預金口座からの支払い内容を記録して履歴を作成したうえで、委任者の預金口座を管理する勘定系システムに対して、指示を指定預金口座への指定預金口座へ入金指令（支払指令）を送信する。 The fund management support server 100 records the payment details from the deposit account of the delegator, creates a history, and then designates an instruction to the designated deposit account to the core banking system that manages the deposit account of the delegator. Send a deposit order (payment order) to the deposit account.

資金管理サポートシステム１０００における払出し請求の処理手順を、図４のフローチャートを用いて説明する。委任者側端末装置２００Ａ、代理人側端末装置２００Ｂ、後見人側端末装置２００Ｃに設定された資金管理サポートアプリ２１０を用いて、次の各ステップを実行して払出処理を行う。以下の説明において、委任者側端末装置２００Ａによる支払請求を例示するが、委任者側端末装置２００Ａに限定されず、代理人側端末装置２００Ｂ、又は後見人側端末装置２００Ｃを用いた払出し請求も同様な処理手順で実行される。 The processing procedure of the withdrawal request in the fund management support system 1000 will be described with reference to the flowchart of FIG. Using the fund management support application 210 set in the delegator side terminal device 200A, the agent side terminal device 200B, and the guardian side terminal device 200C, the following steps are executed to perform the withdrawal process. In the following description, the payment request by the delegator side terminal device 200A will be illustrated, but the payment request is not limited to the delegator side terminal device 200A, and the same applies to the payment request using the agent side terminal device 200B or the guardian side terminal device 200C. It is executed according to the processing procedure.

最初に、ステップＳ４０１で、委任者側端末装置２００Ａで資金管理サポートアプリ２１０が起動され、資金管理サポートアプリ２１０の支払請求メニューが選択される。ステップＳ４０２で、委任者側端末装置２００Ａのカメラで領収書等の画像が撮影される。領収書等とは、領収書又は請求書とすることができる。ステップＳ４０３で、委任者側端末装置２００Ａの資金管理サポートアプリ２１０を介して、委任者により支払情報が入力される。支払情報は、例えば、領収書等の、日付、金額、購入した物品名等である。ステップＳ４０４で、委任者側端末装置２００Ａの資金管理サポートアプリ２１０は、支払情報及び領収書画像を含む支払請求を、通信ネットワークを介して、資金管理サポートサーバ１００に送信する。 First, in step S401, the fund management support application 210 is activated by the delegator side terminal device 200A, and the payment request menu of the fund management support application 210 is selected. In step S402, an image such as a receipt is taken by the camera of the delegator side terminal device 200A. Receipts, etc. can be receipts or invoices. In step S403, payment information is input by the delegator via the fund management support application 210 of the delegator side terminal device 200A. The payment information is, for example, a date, an amount of money, a name of the purchased item, or the like, such as a receipt. In step S404, the fund management support application 210 of the delegator side terminal device 200A transmits a payment request including payment information and a receipt image to the fund management support server 100 via a communication network.

ステップＳ４０５で、資金管理サポートサーバ１００は、支払情報及び領収書画像を含む支払請求を資金管理データベース１０３に登録する。ステップＳ４０６で、資金管理サポートサーバ１００は、受信した支払情報及びの領収書画像が適切か否かを判断する。ステップＳ４０６で、適切でないと判断した場合、ステップＳ４０９に移行し、適切であると判断した場合、ステップＳ４０７に移行する。ステップＳ４０６における適切であるか否かの判断は、領収書等の日付が契約日以降であること、及び／又は金額が支払請求金額以下であること等を確認することにより実行される。 In step S405, the fund management support server 100 registers the payment request including the payment information and the receipt image in the fund management database 103. In step S406, the fund management support server 100 determines whether or not the received payment information and the receipt image are appropriate. If it is determined in step S406 that it is not appropriate, the process proceeds to step S409, and if it is determined that it is appropriate, the process proceeds to step S407. Judgment as to whether or not it is appropriate in step S406 is executed by confirming that the date of the receipt or the like is after the contract date and / or the amount is less than or equal to the billed amount.

ステップＳ４０７で、資金管理サポートサーバ１００は、みまもり期間が経過したか否かを判断する。ステップＳ４０７において、みまもり期間が経過していないと判断した場合は、ステップＳ４０８に移行し、みまもり期間が経過したと判断した場合は、ステップＳ４１１に移行する。なお、みまもり期間とは、他のユーザーが支払請求を適切か否か判断するために予め定める期間であり、例えば、支払請求を受信した日から、５日または２営業日のどちらか長い期間とすることができる。 In step S407, the fund management support server 100 determines whether or not the monitoring period has elapsed. If it is determined in step S407 that the monitoring period has not elapsed, the process proceeds to step S408, and if it is determined that the monitoring period has elapsed, the process proceeds to step S411. The Mimamori period is a period set in advance for other users to determine whether or not the payment request is appropriate. For example, the period is 5 days or 2 business days, whichever is longer, from the date when the payment request is received. can do.

ステップＳ４０８で、資金管理サポートサーバ１００は、委任者側端末装置２００Ａ、代理人側端末装置２００Ｂ、又は後見人側端末装置２００Ｃから、支払請求の取消要求を受信したか否かを判定する。ステップＳ４０８で、取消要求を受信した場合は、ステップＳ４０９に移行し、取消要求を受信していない場合は、ステップＳ４０７に戻る。 In step S408, the fund management support server 100 determines whether or not a payment request cancellation request has been received from the delegator side terminal device 200A, the agent side terminal device 200B, or the guardian side terminal device 200C. If the cancellation request is received in step S408, the process proceeds to step S409, and if the cancellation request is not received, the process returns to step S407.

ステップＳ４０９で、資金管理サポートサーバ１００は、支払請求を取り消す。ステップＳ４１０で、資金管理サポートサーバ１００は、各ユーザー端末装置２００Ａ〜２００Ｄに支払請求の取消を通知し、処理を終了する。ステップＳ４１０の通知は、プッシュ通知、及び／又は指定されたメールアドレスへの電子メールによる通知とすることができる。 In step S409, the fund management support server 100 cancels the payment request. In step S410, the fund management support server 100 notifies each user terminal device 200A to 200D of the cancellation of the payment request, and ends the process. The notification in step S410 may be a push notification and / or an e-mail notification to a designated email address.

ステップＳ４１１で、資金管理サポートサーバ１００は、支払指令を勘定系システム３００に送信する。資金管理サポートサーバ１００は、勘定系システム３００から支払完了通知を受け取った後、ステップＳ４１２で、各ユーザー側端末装置２００Ａ〜２００Ｄに支払完了を通知し、処理を終了する。ステップＳ４１２の通知は、プッシュ通知、及び／又は指定されたメールアドレスへの電子メールによる通知とすることができる。 In step S411, the fund management support server 100 transmits a payment command to the core banking system 300. After receiving the payment completion notification from the accounting system 300, the fund management support server 100 notifies the terminal devices 200A to 200D on the user side of the payment completion in step S412, and ends the process. The notification in step S412 may be a push notification and / or an e-mail notification to the specified email address.

［みまもり機能］
本実施形態における、みまもり機能は、支払請求又は入出金履歴等の履歴情報を、各ユーザー側端末装置の資金管理サポートアプリ２１０で閲覧及び／又はダウンロードする機能である。みまもり期間中は、委任者側端末装置２００Ａと、代理人側端末装置２００Ｂ又は後見人側端末装置２００Ｃとから、支払請求を相互に取り消すことも可能である。 [Mimamori function]
The Mimamori function in the present embodiment is a function of viewing and / or downloading historical information such as payment request or deposit / withdrawal history with the fund management support application 210 of each user-side terminal device. During the guardianship period, the delegator-side terminal device 200A and the agent-side terminal device 200B or the guardian-side terminal device 200C can cancel the payment request from each other.

［定額受け取り機能］
委任者側端末装置２００Ａ、代理人側端末装置２００Ｂ、又は後見人側端末装置２００Ｃは、資金管理サポートサーバ１００に対して、定時定額受け取りを設定することができる。例えば、月額１万円〜２０万円までの定時定額受け取りの設定が可能である。これによって、代理人、又は後見人の預金口座に定時に定額が振り込まれるように設定される。 [Fixed amount receiving function]
The delegator-side terminal device 200A, the agent-side terminal device 200B, or the guardian-side terminal device 200C can set the fund management support server 100 to receive a fixed amount on a regular basis. For example, it is possible to set a fixed amount of money to be received on a regular basis from 10,000 yen to 200,000 yen per month. As a result, a fixed amount is set to be transferred to the deposit account of the agent or guardian on time.

［通知機能］
委任者側端末装置２００Ａ、代理人側端末装置２００Ｂ、後見人側端末装置２００Ｃからの支払請求や、委任者の預金口座から出金等の資金移動や、ユーザー（メンバー）の追加があったときには、資金管理サポートサーバ１００は、ユーザー側端末装置２００Ａ〜２００Ｄに対して資産管理サポートアプリ２１０を用いたプッシュ通知、又は指定電子メールアドレスに対して、資金移動等の所定の情報を通知することができる。所定の情報としては、例えば「支払請求がありました。」、「追加入金がありました。」、「○○さんがメンバーに参加しました」等である。 [Notification function]
When there is a payment request from the delegator side terminal device 200A, the agent side terminal device 200B, the guardian side terminal device 200C, the transfer of funds such as withdrawal from the delegator's deposit account, or the addition of a user (member) The fund management support server 100 can notify the user-side terminal devices 200A to 200D of push notification using the asset management support application 210, or notify the designated e-mail address of predetermined information such as fund transfer. .. The prescribed information is, for example, "There was a payment request", "There was an additional payment", "Mr. XX participated in the member", and so on.

資金管理サポートサーバ１００は、支払請求後、みまもり期間（例えば、５日間）の経過後に、勘定系システム３００に対して、指定預金口座への支払指令を送信する。したがって、資金管理サポートシステム１０００では、支払請求を受信しても、すぐに必要な資金の支払指令を勘定系システムに送信することはない。 The fund management support server 100 transmits a payment command to the designated deposit account to the accounting system 300 after the lapse of the monitoring period (for example, 5 days) after the payment request. Therefore, in the fund management support system 1000, even if a payment request is received, the payment command of the required funds is not immediately transmitted to the accounting system.

みまもり期間の間、委任者は委任者側端末装置２００Ａに設定された資金管理サポートアプリを用いて、又は代理人は代理人側端末装置２００Ｂに設定された資金管理サポートアプリを用いて、又は後見人は後見人側端末装置２００Ｃに設定された資金管理サポートアプリを用いて、支払請求を相互に取り消すことができる。 During the guardianship period, the delegator uses the fund management support app set on the delegator side terminal device 200A, or the agent uses the fund management support app set up on the agent side terminal device 200B, or the guardian. Can cancel payment requests with each other by using the fund management support application set in the guardian side terminal device 200C.

［メンバー招待機能］
委任者の預金口座に対する入出金を“みまもる”役割として、委任者の家族などの端末装置を資金管理サポートアプリ２１０のメンバー招待機能を用いて招待して、招待された端末装置を閲覧者側端末装置２００Ｄとして設定することができる。具体的には、委任者側端末装置２００Ａ、代理人側端末装置２００Ｂ、又は後見人側端末装置２００Ｃの資金管理サポートアプリ２１０は、閲覧者側端末装置２００Ｃの招待権限を有しているため、閲覧者となる者の端末装置に対して、設定用リンクを含む招待メールを送信するように、資金管理サポートサーバ１００に要求することができる。なお、代理人側端末装置２００Ｂの設定（招待）には、委任者による書面手続が資金管理サポートサーバ１００に登録された後、代理人となる者に対し代理人側端末装置設定用ＱＲコード（登録商標）等の二次元コードが郵送等で提供される。 [Member invitation function]
As the role of "watching" the deposit and withdrawal of the delegator's deposit account, the delegator's family and other terminal devices are invited using the member invitation function of the fund management support application 210, and the invited terminal device is viewed by the viewer. It can be set as a terminal device 200D. Specifically, the fund management support application 210 of the delegator side terminal device 200A, the agent side terminal device 200B, or the guardian side terminal device 200C has the invitation authority of the viewer side terminal device 200C, so that the user can browse. It is possible to request the fund management support server 100 to send an invitation e-mail including a setting link to the terminal device of the person who becomes the person. For the setting (invitation) of the agent side terminal device 200B, after the written procedure by the delegator is registered in the fund management support server 100, the agent side terminal device setting QR code ( A two-dimensional code such as (registered trademark) will be provided by mail or the like.

招待メールの送信要求には、招待される側の端末装置の種類（閲覧者側端末装置２００Ｃ）、招待メールを送信するメールアドレスの情報が含まれている。招待メールの送信要求を受信した資金管理サポートサーバ１００は、指定されたメールアドレスに招待メールを送信する。招待メールを受信した任意の端末装置は、資金管理サポートアプリ２１０を自己の端末装置にダウンロードし、招待メールの設定用リンクをクリックし、資金管理サポートアプリ２１０にて自己の所定の情報（例えば、氏名）を入力し資金管理サポートサーバ１００に送信する。資金管理サポートサーバ１００は、所定の情報を受信すると、招待メールを送信した端末装置に対して、閲覧権限の承認要求（メンバーへの参加リクエストの承認要求）を送信する。閲覧権限の承認要求を受信した端末装置は、その資金管理サポートアプリ２１０にて、任意の端末装置に対する閲覧権限の承認又は却下を選択することができる。資金管理サポートアプリ２１０にて承認を選択した場合、資金管理サポートサーバ１００に閲覧権限の承認が送信される。閲覧権限の承認を受信した資金管理サポートサーバ１００は、招待された任意の端末装置の資金管理サポートアプリ２１０に対して、閲覧者側端末装置としての閲覧権限を設定するための指示を送信する。これによって、任意の端末装置が閲覧者側端末装置としてメンバーに追加される。資金管理サポートアプリ２１０にて却下を選択した場合、資金管理サポートサーバ１００に閲覧権限の却下が送信される。閲覧権限の却下を受信した資金管理サポートサーバ１００は、招待された任意の端末装置の資金管理サポートアプリ２１０に対して、閲覧権限却下を通知する。 The invitation email transmission request includes information on the type of terminal device on the invited side (viewer side terminal device 200C) and the email address to which the invitation email is sent. Upon receiving the request to send the invitation email, the fund management support server 100 sends the invitation email to the designated email address. Any terminal device that receives the invitation email downloads the fund management support application 210 to its own terminal device, clicks the link for setting the invitation email, and uses the fund management support application 210 to display its own predetermined information (for example, Enter the name) and send it to the fund management support server 100. When the fund management support server 100 receives the predetermined information, the fund management support server 100 transmits an approval request for viewing authority (approval request for participation request to the member) to the terminal device that has sent the invitation mail. The terminal device that has received the viewing authority approval request can select approval or rejection of the viewing authority for any terminal device in the fund management support application 210. When approval is selected in the fund management support application 210, the approval of viewing authority is transmitted to the fund management support server 100. Upon receiving the approval of the viewing authority, the fund management support server 100 transmits an instruction for setting the viewing authority as the viewer side terminal device to the fund management support application 210 of any of the invited terminal devices. As a result, any terminal device is added to the member as a viewer-side terminal device. When rejection is selected in the fund management support application 210, the rejection of viewing authority is transmitted to the fund management support server 100. Upon receiving the rejection of the viewing authority, the fund management support server 100 notifies the fund management support application 210 of any of the invited terminal devices of the rejection of the viewing authority.

本発明の実施形態では、高齢者の資金管理をサポートするサービスへの、資産管理サポートシステム１０００の適用を想定したがこれに限定されず、例えば、次の第１例〜第３例のようなサービスに適用することもできる。
第１例として、資産管理サポートシステム１０００を、親から子供の預金口座への贈与や仕送りをした資金が適切に使われているか不安というニーズに対応するために用いることができる。この場合、親又は子供の端末装置を委任者側端末装置に、子供又は親の端末装置を代理人側端末装置及び／又は閲覧者側端末装置に、それぞれ設定することができる。これによって、大学生の子供への仕送り資金の使い方について、子供が委任者又は代理人及び/もしくは閲覧者として委任者側端末装置又は代理人側端末装置及び/もしくは閲覧者側端末装置を用いて管理及び/又は閲覧することができる。さらに、贈与者（親）が贈与資金の受贈者（子）のお金の使い方について、贈与者が委任者又は閲覧者及び/もしくは代理人となって、委託者側端末装置又は閲覧者側端末装置及び/もしくは代理人側端末装置を用いて管理及び/又は閲覧することができる。 In the embodiment of the present invention, it is assumed that the asset management support system 1000 is applied to a service that supports the fund management of the elderly, but the present invention is not limited to this, and for example, the following first to third examples are used. It can also be applied to services.
As a first example, the asset management support system 1000 can be used to meet the need for concerns about whether the funds donated or remitted by parents to their children's deposit accounts are being used properly. In this case, the parent or child terminal device can be set as the delegator side terminal device, and the child or parent terminal device can be set as the agent side terminal device and / or the viewer side terminal device, respectively. As a result, the child manages how to use the remittance funds to the child of the college student by using the delegator side terminal device or the agent side terminal device and / or the viewer side terminal device as a delegator or agent and / or a viewer. And / or can be viewed. Furthermore, regarding how the donor (parent) uses the money of the recipient (child) of the gift fund, the donor becomes the delegator or the viewer and / or the agent, and the consignor side terminal device or the viewer side terminal device. And / or can be managed and / or viewed using the agent side terminal device.

第２例として、資産管理サポートシステム１０００を、夫婦で１つの預金口座を用いてお金の使い方を管理したい、というニーズに対応するために用いることができる。この場合は、夫婦の一方の端末装置を委任者側端末装置に、夫婦の他方の端末装置を代理人側端末装置に、それぞれ設定することができる。これによって、委任者である夫又は妻の預金口座から代理人として妻又は夫が引き出したり、夫婦で資金の使い道を把握するサービスを提供することができる。 As a second example, the asset management support system 1000 can be used to meet the needs of a married couple who want to manage how they spend their money using one deposit account. In this case, one terminal device of the couple can be set as the delegator side terminal device, and the other terminal device of the couple can be set as the agent side terminal device. As a result, the wife or husband can withdraw from the deposit account of the delegator husband or wife as an agent, or the couple can provide a service to grasp the usage of funds.

第３例として、資産管理サポートシステム１０００を、多数の人が拠出した資金が適切に使われているか不安というニーズに対応するために用いることができる。多数の人が拠出した資金としては、財団法人による寄付金、町内会等の運営資金、又はマンション管理組合の修繕積立金等を想定することができる。財団法人による寄付金の場合、財団法人等が契約者（委任者）となり、理事長等の端末装置を代理人側端末装置に、寄付者の端末装置を閲覧者側端末装置に、それぞれ設定することができる。これによって、財団法人等の理事長等が代理人側端末装置を用いて資金を引き出すことができる。さらに、寄付を集めた財団法人等の寄附金の使い方を寄付者が閲覧者側端末装置を用いて閲覧するサービスを提供することができる。 As a third example, the asset management support system 1000 can be used to meet the need for anxiety about whether the funds contributed by a large number of people are being used properly. As the funds contributed by a large number of people, donations from foundations, operating funds for neighborhood associations, etc., or repair reserve funds for condominium management associations can be assumed. In the case of donations made by a foundation, the foundation, etc. becomes the contractor (delegator), and the terminal device of the president, etc. is set as the agent side terminal device, and the donor terminal device is set as the viewer side terminal device. be able to. As a result, the president of a foundation or the like can withdraw funds using the terminal device on the agent side. Furthermore, it is possible to provide a service in which the donor can browse how to use the donations of the foundation or the like that collected the donations by using the terminal device on the viewer side.

町内会（自治会）等の運営資金の場合、町内会等が委任者となり、町内会長の端末装置を代理人側端末装置に、町内会を構成する住民の端末装置を閲覧者側端末装置に、それぞれ設定することができる。これによって、町内会等の運営資金使い方を住民が閲覧者側端末装置を用いて閲覧するサービスを提供することができる。 In the case of operating funds for neighborhood associations (neighborhood associations), the neighborhood association, etc. will be the delegator, and the terminal device of the chairman of the neighborhood will be the terminal device on the agent side, and the terminal device of the residents who make up the neighborhood association will be the terminal device on the viewer side. , Each can be set. As a result, it is possible to provide a service in which residents can browse the usage of operating funds of neighborhood associations and the like using a terminal device on the viewer side.

マンション管理組合の修繕積立金等の場合、マンション管理組合が委任者となり、マンション管理組合の理事長等の端末装置を代理人側端末装置に、マンションの入居者の端末装置を閲覧者側端末装置に、それぞれ設定することができる。これによって、マンション管理組合の修繕積立金等の使い方を入居者が閲覧者側端末を用いて閲覧するサービスを提供することができる。 In the case of the condominium management association's repair reserve fund, etc., the condominium management association acts as the delegator, and the terminal device of the president of the condominium management association is used as the agent side terminal device, and the terminal device of the condominium resident is used as the viewer side terminal device. Can be set for each. As a result, it is possible to provide a service in which the resident browses how to use the repair reserve fund of the condominium management association using the viewer side terminal.

１０００資金管理サポートシステム
１００資金管理サポートサーバ
２００ユーザー側端末装置
２１０資金管理サポートアプリ（資金管理サポートプログラム）
２００Ａ委任者側端末装置
２００Ｂ代理人側端末装置
２００Ｃ後見人側端末装置
２００Ｄ閲覧者側端末装置
３００勘定系システム 1000 Fund management support system 100 Fund management support server 200 User side terminal device 210 Fund management support application (fund management support program)
200A Delegator side terminal device 200B Agent side terminal device 200C Guardian side terminal device 200D Viewer side terminal device 300 Core banking system

Claims

A fund management support system for managing funds delegated by a delegator to an agent.
The fund management support system
An agent-side terminal device that can be operated by the agent and can send a fund transfer request for requesting the transfer of funds.
A viewer-side terminal device that can be operated by the viewer, does not have the authority to request the withdrawal of funds, and can send an information viewing request for viewing history information related to the movement of funds.
A fund management support server capable of communicating with the agent side terminal device and the viewer side terminal device is provided.
When the fund management support server receives the fund transfer request from the agent-side terminal device, the fund management support server transmits a fund transfer command for executing the transfer of funds to the accounting system for storing the funds. When the information browsing request is received from the viewer-side terminal device, the history information is transmitted to the viewer-side terminal device.
When the fund management support server receives a viewer setting request for setting the viewer side terminal device from the agent side terminal device, the fund management support server invites to set an arbitrary terminal device as the viewer side terminal device. A fund management support system that sends information to the arbitrary terminal device.

In the fund management support system according to claim 1,
The fund management support server is a fund management support system that transmits the fund transfer command to the core banking system after a lapse of a predetermined period from the receipt of the fund transfer request.

In the fund management support system according to claim 2,
The agent-side terminal device can send a cancellation request to cancel the transfer of funds within the predetermined period.
The fund management support server is a fund management support system that cancels the fund transfer request when the cancellation request is received from the agent side terminal device.

In the fund management support system according to claim 2 or 3.
Further equipped with a delegator-side terminal device that is operable by the delegator and capable of transmitting the fund transfer request.
When the fund management support server receives the fund transfer request from the delegator side terminal device, the fund management support server transmits the fund transfer command to the accounting system.

In the fund management support system according to claim 4,
The delegator-side terminal device can send a cancellation request to cancel the transfer of funds within the predetermined period.
The fund management support server is a fund management support system that cancels the fund transfer request when the cancellation request is received from the delegator side terminal device.

In the fund management support system according to any one of claims 4 or 5.
The delegator-side terminal device can transmit a viewer setting request for setting the viewer-side terminal device.
When the fund management support server receives the viewer setting request from the delegator side terminal device, the fund management support server transmits invitation information for setting the arbitrary terminal device as the viewer side terminal device to the arbitrary terminal device. , Money management support system.

In the fund management support system according to any one of claims 4, 5 and 6.
The delegator-side terminal device can transmit a release request for canceling the authority of the information viewing request of the viewer-side terminal device.
The fund management support server is a fund management support system that stops transmitting the history information to the viewer side terminal device when the cancellation request is received from the delegator side terminal device.

In the fund management support system according to any one of claims 1 to 7.
Further equipped with a guardian-side terminal device that can be operated by a guardian and can send the said fund transfer request.
When the fund management support server receives the fund transfer request from the guardian side terminal device, the fund management support server transmits a fund transfer command for executing the transfer of funds to the accounting system.

In the fund management support system according to claim 8,
The guardian-side terminal device can send a cancellation request to cancel the transfer of funds within a predetermined period of time.
The fund management support server is a fund management support system that cancels the fund transfer request when the cancellation request is received from the guardian side terminal device.

In the fund management support system according to claim 8 or 9.
The guardian-side terminal device can transmit a viewer setting request for setting the viewer-side terminal device.
When the fund management support server receives the viewer setting request from the guardian side terminal device, the fund management support server transmits invitation information for setting the arbitrary terminal device as the viewer side terminal device to the arbitrary terminal device. Money management support system.

A fund management support system for managing funds delegated by a delegator to an agent.
The fund management support system
An agent-side terminal device that can be operated by the agent and can send a fund transfer request for requesting the transfer of funds.
A viewer-side terminal device that can be operated by the viewer, does not have the authority to request the withdrawal of funds, and can send an information viewing request for viewing history information related to the movement of funds.
A fund management support server capable of communicating with the agent side terminal device and the viewer side terminal device is provided.
When the fund management support server receives the fund transfer request from the agent-side terminal device, the fund management support server transmits a fund transfer command for executing the transfer of funds to the accounting system for storing the funds. When the information browsing request is received from the viewer-side terminal device, the history information is transmitted to the viewer-side terminal device.
A fund management support system in which, when a guardian's petition is registered in the fund management support server, the fund management support server at least suspends the authority of the fund transfer request by the agent side terminal device.

A fund management support system for managing funds delegated by a delegator to an agent.
The fund management support system
An agent-side terminal device that can be operated by the agent and can send a fund transfer request for requesting the transfer of funds.
A viewer-side terminal device that can be operated by the viewer, does not have the authority to request the withdrawal of funds, and can send an information viewing request for viewing history information related to the movement of funds.
A fund management support server capable of communicating with the agent side terminal device and the viewer side terminal device is provided.
When the fund management support server receives the fund transfer request from the agent-side terminal device, the fund management support server transmits a fund transfer command for executing the transfer of funds to the accounting system for storing the funds. When the information browsing request is received from the viewer-side terminal device, the history information is transmitted to the viewer-side terminal device.
When the appointment of a guardian is registered in the fund management support server, the fund management support server is a fund management support system that suspends all authority by the agent side terminal device.

In the fund management support system according to any one of claims 1 to 12,
The fund transfer request is a fund management support system that includes a receipt or image data of an invoice.

In the fund management support system according to any one of claims 1 to 13.
The fund management support server is a fund management support system that notifies the agent side terminal device and / or the viewer side terminal device of information regarding the transfer of funds.

In the fund management support system according to any one of claims 4, 5, 6, and 7.
The fund management support server is a fund management support system that notifies the delegator-side terminal device of information regarding the transfer of funds.

In the fund management support system according to any one of claims 8 to 10.
The fund management support server is a fund management support system that notifies the guardian terminal device of information regarding the transfer of funds.

In the fund management support system according to any one of claims 1 to 16.
The agent-side terminal device and / or the viewer-side terminal device can send a download request for downloading historical information regarding the transfer of funds.
When the fund management support server receives the download request from the agent-side terminal device and / or the viewer-side terminal device, the agent-side terminal device and / or the browsing is possible in a state where the history information can be downloaded. A fund management support system that sends information to a terminal device on the user side.

In the fund management support system according to claim 1,
When the fund management support server receives predetermined information from the arbitrary terminal device that has received the invitation information, the fund management support server transmits a request for approval of viewing authority to the agent side terminal device.

In the fund management support system according to claim 18,
The agent-side terminal device is a fund management support system that transmits approval or rejection to the fund management support server in response to an approval request for viewing authority.

In the fund management support system according to claim 6,
When the fund management support server receives predetermined information from the arbitrary terminal device that has received the invitation information, the fund management support server transmits a request for approval of viewing authority to the delegator side terminal device.

In the fund management support system according to claim 20,
The delegator-side terminal device is a fund management support system that transmits approval or rejection to the fund management support server in response to an approval request for viewing authority.

In the fund management support system according to claim 10,
The fund management support server is a fund management support system that, when receiving predetermined information from the arbitrary terminal device that has received the invitation information, transmits a request for approval of viewing authority to the guardian side terminal device.

In the fund management support system according to claim 22
The guardian-side terminal device is a fund management support system that transmits approval or rejection to the fund management support server in response to an approval request for viewing authority.

In the fund management support system according to any one of claims 4, 5, 6, 7, 15, 20 and 21.
When the guardian's petition is registered in the fund management support server, the fund management support server suspends at least the authority to request the withdrawal of funds and / or the authority to cancel the withdrawal request by the delegator-side terminal device. Money management support system.

In the fund management support system according to any one of claims 4, 5, 6, 7, 15, 20, 21 and 24.
When the appointment of a guardian is registered in the fund management support server, the fund management support server is a fund management support system that suspends additional deposit authority and / or all cancellation authority by the delegator side terminal device.