JP7202493B1 - Information processing device, information processing method and information processing program - Google Patents

Abstract

An object of the present invention is to improve the convenience of a user who makes a remittance. An information processing device according to the present application executes processing related to corporate services that allow remittances from other accounts. The information processing device also has a code issuing unit, a remittance accepting unit, and a balance processing unit. The code issuing unit issues code information written for remittance for a predetermined purpose to the business operator in association with a corporate account provided to the business operator using the corporate service. The remittance acceptance unit accepts remittances from other accounts through code information issued by the code issuing unit. The balance processing unit adds electronic money corresponding to the amount of remittance accepted by the remittance accepting unit to the wallet balance of the corporate account. [Selection drawing] Fig. 3

Description

The present invention relates to an information processing device, an information processing method, and an information processing program.

In recent years, methods have begun to be proposed for cashless remittances, such as donations in the event of a disaster, offerings to temples and shrines, and the like, instead of cash such as banknotes and coins. In recent years, as in crowdfunding, fund raising through networks has become generally recognized, and it is assumed that individuals will send money to specific organizations on a daily basis.

In addition, recently, phishing scams aimed at defrauding other people's account information, etc. have become a problem, and techniques for protecting account information from malicious access have been proposed.

JP 2018-161278 A Japanese Patent Publication No. 2011-502311

However, the conventional technology has room for improvement in terms of increasing convenience for users who make remittances. For example, when a user uses Internet banking to send money for donations or donations, it takes time and effort to log in to a dedicated site of a financial institution and enter information on a payee. Also, when a user uses a credit card settlement service to send money for donations or offerings, it takes time and effort to access the web page of the remittance destination and input card information. As described above, in the present situation, the user needs to go through several procedures in order to make a remittance, and the situation is not necessarily very convenient for the user who makes the remittance. Also, inputting card information on a web page is not preferable in terms of security.

The present application has been made in view of the above, and an object thereof is to provide an information processing device, an information processing method, and an information processing program that can improve convenience for a user who performs remittance.

The information processing device according to the present application executes processing related to a corporate service that enables remittances from other accounts. The information processing device also has a code issuing unit, a remittance accepting unit, and a balance processing unit. The code issuing department issues code information that describes information for performing remittance for a predetermined purpose with the remittance recipient linked to the corporate account provided to the business that uses the corporate service. . The remittance acceptance unit accepts remittances from other accounts through code information issued by the code issuing unit. The balance processing unit adds electronic money equivalent to the amount of remittance accepted by the remittance accepting unit to the wallet balance of the corporate account.

According to one aspect of the embodiment, there is an effect that it is possible to improve convenience for the user who makes the remittance.

FIG. 1 is a diagram showing an overview of information processing according to this embodiment. FIG. 2 is a diagram showing an overview of information processing according to this embodiment. FIG. 3 is a block diagram showing a configuration example of the information processing apparatus according to this embodiment. FIG. 4 is a diagram showing an outline of business operator information stored in the business operator information storage unit according to the present embodiment. FIG. 5 is a diagram showing an outline of code information stored in the code information storage unit according to this embodiment. FIG. 6 is a diagram showing an overview of information indicating a remittance acceptance history stored in a remittance acceptance history storage unit according to the present embodiment. FIG. 7 is a flow chart showing an example of the processing procedure of the information processing apparatus according to this embodiment. FIG. 8 is a hardware configuration diagram showing an example of a computer that implements the functions of the information processing apparatus according to this embodiment or a modified example.

Embodiments for implementing an information processing apparatus, an information processing method, and an information processing program according to the present application (hereinafter referred to as "present embodiments") will be described in detail below with reference to the drawings. The information processing apparatus, information processing method, and information processing program according to the present application are not limited to this embodiment. Also, in each of the following embodiments, the same parts are denoted by the same reference numerals, and overlapping descriptions are omitted.

[1. Example of information processing according to the present embodiment]
An example of information processing according to the present embodiment will be described below with reference to FIGS. 1 and 2. FIG. 1 and 2 are diagrams showing an overview of information processing according to the present embodiment.

As shown in FIG. 1, the information processing system SYS according to this embodiment includes a terminal device 10 and an information processing device 100 . Note that FIG. 1 shows an example of the information processing system SYS according to the present embodiment, and other terminal devices not shown in FIG. 1 may be included.

The terminal device 10 and the information processing device 100 are connected to a network N (see FIG. 3, for example) by wire or wirelessly. The terminal device 10 and the information processing device 100 can communicate with each other through the network N. FIG.

A terminal device 10 shown in FIG. 1 is an information processing terminal used by a user U who is a user of the remittance service provided by the information processing device 100 . A typical example of the terminal device 10 is a smartphone, but it may also be realized by a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. . In the example of FIG. 1 , a smart phone is shown as the terminal device 10 . In addition, in the following description, the terminal device 10 may be referred to as the user U in some cases. That is, the user U can be read as the terminal device 10 . Further, in the following description, users of various services provided by the information processing apparatus 100 may simply be referred to as "users".

In addition, the terminal device 10 is compatible with wireless communication networks such as LTE (Long Term Evolution), 4G (4th Generation), 5G (5th Generation: fifth generation mobile communication system), Bluetooth (registered trademark), wireless LAN (Local Area Network) for connecting to a network N via short-range wireless communication. Thereby, the user U1 can operate the terminal device 10 to access the information processing device 100 and use the remittance service provided by the information processing device 100 .

In addition, the terminal device 10 can display information for using the remittance service provided by the information processing device 100 using a web browser or an application. At this time, when the terminal device 10 receives from the information processing device 100 control information for realizing information display processing by a web browser, an application, or the like, the terminal device 10 realizes display processing according to the received control information.

The information processing device 100 shown in FIG. 1 is an information processing device that provides a remittance service to the user U1. In addition, the information processing apparatus 100 shown in FIG. 1 executes processing related to corporate services that allow remittances from other accounts. The information processing device 100 is typically a server device, but may be realized by a mainframe, workstation, or the like. When the information processing apparatus 100 is realized by a server device, it may be realized by a single server, or may be realized by a cloud system or the like in which a plurality of server devices and a plurality of storage devices operate in cooperation.

Note that the information processing device 100 may function as a distribution device that distributes control information to the terminal device 10 that the user U uses. Here, the control information is described, for example, in a script language such as JavaScript (registered trademark) or a style sheet language such as CSS (Cascading Style Sheets). Note that the application itself distributed from the information processing apparatus 100 may be regarded as control information.

Further, the remittance service provided by the information processing apparatus 100 is a service that enables remittance from an individual such as the user U to a company, an organization, or the like. Further, the corporate service provided by the information processing apparatus 100 is a service that makes it possible to receive remittance from an individual such as the user U to a corporation such as a company or an organization using a remittance service. The information processing apparatus 100 according to the present embodiment can improve convenience for the user who makes the remittance by the information processing described below.

The information processing according to the present embodiment will be specifically described below along the assumed flow when this information processing is performed. In the following, a case will be described in which the user U uses the remittance service to remit donations to a business operator M that is engaged in fund-raising activities. It can be applied to various remittances performed with electronic money without being particularly limited.

For example, the user U operates the terminal device 10 to read the code information Q1 (step S1). Code information Q1 is generated in advance in information processing device 100 in response to a request from business operator M. FIG. For example, the code information Q1 is composed of a two-dimensional code such as a QR code (registered trademark), and functions as a receiving means for receiving a remittance request from the user U. Note that the code information Q1 is an example of receiving means for receiving a remittance request from the user U, and any means capable of receiving a remittance request from the user U can be adopted. The code information Q1 describes information for performing remittance for a predetermined purpose with the business operator M as the remittee in association with the corporate account provided to the business operator M using the corporate service. For example, the code information Q1 describes information for accessing a remittance screen (web page) prepared in advance for each project launched by the business operator M for fund-raising activities. For example, the information described in the code information Q1 includes a business ID that is identification information for identifying the business to which the remittance is made, a corporate account ID that can identify the corporate account, and a project that has been launched by the business. code ID (an example of “identification information for identifying a business operator and a predetermined purpose”), etc., which is identification information for

When the code information Q1 is read, the terminal device 10 displays the remittance screen shown in FIG. 1 (step S2). For example, terminal device 10 displays a remittance screen provided from information processing device 100 by accessing information described in code information Q1. The remittance screen displays information obtained from the information processing device 100 by sending the information read from the code information Q1 by the terminal device 10 to the information processing device 100 . Specifically, the terminal device 10 stores various identification information read from the code information Q1 (for example, a business operator ID for identifying a business operator of a remittance destination, a code ID for identifying a project) as an information processing device. 100, information such as the project name (remittee display name) indicating the donation destination is acquired from the information processing apparatus 100 and displayed on the remittance screen. For example, on the remittance screen shown in FIG. 1, as an example of the name of the project acquired from the information processing apparatus 100, the remittance destination display name: “A donation” is displayed. The remittance screen shown in FIG. 1 is provided with a remittance amount input field, a remittance button, and a cancel button. The user U can transmit a remittance request to the information processing apparatus 100 by operating the remittance button after inputting the desired amount in the remittance amount input field. Further, the user U can cancel the remittance process before transmitting the remittance request by operating the cancel button. Note that the remittance screen shown in FIG. 1 is only an example. If the code information Q1 corresponds to fundraising activities, the information processing apparatus 100 can display detailed information such as the purpose of the fundraising and the organization to which the remittance is to be made (for example, business operator M). and displayed so that the user U can check it before sending the remittance request.

The terminal device 10 transmits a remittance request to the information processing device 100 according to the operation of the user U (step S3). The remittance request includes information indicating the remittance source, information indicating the remittance amount, a business operator ID for identifying the business operator representing the remittance destination, and a code ID for identifying the project. For example, as the information indicating the remittance source, the user U can use the user ID issued by the information processing device 100 at the time of registration for use of the remittance service (an example of "another account").

When the information processing device 100 receives a remittance request from the user U, the electronic money corresponding to the remittance amount is added to the balance of the sub-wallet corresponding to the business operator M's project: "Donation A" (step S4). For example, the information processing device 100 adds an amount corresponding to the remittance amount to the balance of the sub-wallet linked to the business ID and code ID included in the remittance request.

Subsequently, the information processing device 100 transfers the balance of the sub-wallet to the main wallet of the business operator M at a predetermined timing (step S5). Then, the information processing device 100 pays out the balance of the main wallet to the bank account of the business operator M at a predetermined timing (step S6).

The remittance service executed by the information processing apparatus 100 will be described below with reference to FIG. 2, along with specific usage scenes. In the following description, users U1, U2, and U3 shown in FIG. 2 will be collectively referred to as user U when there is no need to distinguish between them. Further, in the following description, when it is not necessary to distinguish between the terminal devices 10-1, 10-2, and 10-3 shown in FIG. Also, in the following description, the code information Q1, Q2, and Q3 shown in FIG.

For example, Business M launches three projects for fundraising. Then, the business operator M makes a contract for a service for individually receiving donations (remittances) from the user U in the form of electronic money for each of the three launched projects. Then, the business operator M requests the information processing apparatus 100 to issue code information corresponding to each service. The information processing apparatus 100 issues code information Q1, Q2, and Q3 shown in FIG. Note that the code information Q may be configured in a form readable by the user U using the terminal device 10, and may be displayed as image information on a digital signage or the like, or may be printed on a predetermined medium such as paper. It may be a printed matter that has been printed.

For example, the code information Q1 is information for accepting donations (remittances) from the user U to the name of the project launched by the business operator M for fund-raising activities: "Fund-A". A business ID for identifying the person M, a corporate account ID for identifying a corporate account, a code ID for identifying a project, and the like are included. The code information Q1 is installed, for example, at the X venue where the fund-raising activity is held.

Also, for example, the code information Q2 is information for accepting a contribution (remittance) from the user U to the name of the project launched by the operator M for fund-raising activities: "B fund-raising". A business ID for identifying the business operator M, an account ID for identifying a corporate account, a code ID for identifying a project, and the like are included. The code information Q2 is installed, for example, at the Y venue where the fund-raising activity is held.

Also, for example, the code information Q3 is information for accepting donations (remittances) from the user U to the name of the project launched by the operator M for fundraising activities: "C fundraising". A business ID for identifying the business operator M, an account ID for identifying a corporate account, a code ID for identifying a project, and the like are included. The code information Q3 is installed, for example, at the Z venue where the fund-raising activity is held.

The information processing apparatus 100 manages various types of information related to the code information issued to the business operator M in association with the corporate account of the business operator M. In the example shown in FIG. 2, the various information related to the code information of the business operator M includes a business operator ID, a corporate account ID, a code ID, a remittance destination display name, an expiration date, and information indicating a venue. ing. These pieces of information about code information are associated with each other.

The operator ID is identification information for identifying the operator M. FIG. The corporate account ID is identification information for identifying the corporate account provided to the operator M. The code ID is identification information for identifying code information issued to the operator M. The remittance destination display name corresponds to the name of the project launched by the business operator M for fund-raising activities, fundraising, and the like. The term of validity is a date set in advance as a term during which the code information can function in a valid state. The venue indicates the installation location of the code information determined by the operator.

In the example shown in FIG. 2, for example, the user U1 reads the code information Q1 installed at the venue X, thereby obtaining various identification information read from the code information Q1 (for example, the By transmitting the business operator ID or the code ID for identifying the project to the information processing device 100, the name of the project indicating the donation recipient acquired from the information processing device 100 (for example, "A donation"). etc. is displayed, and a remittance request for donation of 1000 yen is sent on January 1, 2022 according to the remittance instruction received from user U1 through this remittance screen. The remittance request from the user U1 is processed in the information processing device 100 and added to the balance of the sub-wallet for donation A linked to the corporate account of business operator M: "H#001".

Further, in the example shown in FIG. 2, for example, the user U2 reads the code information Q2 installed at the Y venue, thereby obtaining various identification information read from the code information Q2 (for example, the and the code ID for identifying the project) to the information processing apparatus 100, the name of the project (for example, "B Donation ”) is displayed, and a remittance request of 2000 yen is sent as a donation on February 1, 2022 according to the remittance instruction received from the user U2 through this remittance screen. In addition, the user U2 reads the code information Q3 installed in the Z place, and various identification information read from the code information Q3 (for example, the business operator ID for identifying the business operator of the remittance destination, the above-mentioned A remittance screen on which a project name (for example, “C Donation”) indicating a donation recipient acquired from the information processing device 100 is described by transmitting a code ID for identifying the project to the information processing device 100. is displayed, and according to the remittance instruction received from the user U2 through this remittance screen, a remittance request of 1000 yen is transmitted as a donation on February 1, 2022. Each remittance request from user U2 is processed in information processing device 100 . For example, a remittance request from user U2 made through code information Q2 is added to the balance of the sub-wallet for donation B linked to business operator M's corporate account: "H#001". On the other hand, the remittance request from the user U2 made through the code information Q3 is added to the balance of the C fundraising sub-wallet linked to the business entity M's corporate account: "H#001".

Even if user U2 reads the code information Q1 installed at the venue X on February 1, 2022, the code information Q1 has expired, so the user U2 cannot make a donation (remittance). . In this way, when the code information Q1 associated with each piece of information included in the received information received from the user U2 has expired, the information processing apparatus 100 can send an error message to the user U2 who is the sender of the received information. Processing can be returned. For example, when the information processing device 100 receives from the terminal device 10 the business ID for identifying the business to which the remittance is made and the code ID for identifying the above project from the user U2, the received information includes By referring to the expiration date of the code information Q1 linked to each piece of information, if the reception date of the received information has passed the expiration date (if it is not within the expiration date), the message "This donation QR code has expired You can send an error message such as That is, the information processing apparatus 100 performs remittance processing when the expiration date of the code information Q associated with each piece of information included in the reception information received from the user U has expired (when the reception date has passed the expiration date). do not implement Note that the information processing device 100 sets a flag to enable acceptance of remittance through the code information Q and a flag to disable acceptance of the remittance through the code information Q, instead of setting an expiration date for the code information Q in advance. can be flexibly set at arbitrary timing.

Further, the information processing apparatus 100 may display a message to the effect that the expiration date has expired, as well as make it possible to refer to project information of other donations accepted by the same business operator. Specifically, based on the information identifying the remittance destination business operator and the information identifying the project received from the terminal device 10, the expiration date is referred to, and if the expiration date has passed, the remittance destination business operator is the same and has not expired, and if there is, the information for that project may be displayed. The project information may be information that can be linked to the remittance screen of the project, information on the donation venue included in the code information, or the display name of the remittance destination. For example, in the example shown in FIG. 2, the information processing apparatus 100 embeds reference information such as a hyperlink in the error message (text information), thereby selecting the code information Q1 to Q3 associated with the business operator M, which is selected by the user. Information on other code information Q3 whose expiration date is February 1, 2022, which is the remittance reception date of U2, can be provided to user U2 who is the remittance source. Thereby, for example, useful information can be provided to the user U who is going to donate to a predetermined organization.

Further, in the example shown in FIG. 2, for example, the user U3 reads the code information Q3 installed at the venue X to obtain various kinds of identification information read from the code information Q3 (for example, the identification information for identifying a project) to the information processing apparatus 100, a project name (for example, "C donation") indicating a donation destination acquired from the information processing apparatus 100, etc. is displayed, and according to the remittance instruction received from user U3 through this remittance screen, a remittance request of 3000 yen is sent as a donation on March 1, 2022. The remittance request from the user U3 is processed in the information processing device 100 and added to the balance of the sub-wallet for donation C linked to the corporate account of the business operator M: "H#001".

The information processing device 100 manages the remittance request received from each user U as a remittance acceptance history. In the case shown in FIG. 2, the remittance reception history includes information indicating the remittance destination display name, date, remittance source, remittance amount, and venue. The information processing device 100 can provide a remittance acceptance history including these information in response to a request from the business operator M. For example, the information processing device 100 can provide a remittance acceptance history for each code information Q in units of service contracts for receiving remittances (for example, for each remittee display name).

As described above, according to the information processing according to the embodiment, by using the remittance service, the user U can perform remittance with a simple operation of reading the code information Q. Convenience can be improved. As a result, it is also possible to increase the probability that the user U will make the remittance. On the other hand, the business operator M can easily receive remittances without having to build a new system for receiving remittances from the user U by using the service for corporations. In addition, business operator M can receive remittances from user U on a contract-by-contract basis for receiving remittances from user U, can analyze the route through which remittances have been made, and can management becomes easier.

[2. Device configuration example]
The configuration of the information processing apparatus 100 according to this embodiment will be described below. FIG. 3 is a block diagram showing a configuration example of the information processing apparatus according to this embodiment.

As shown in FIG. 3, the information processing apparatus 100 has a communication section 110, a storage section 120, and a control section .

(Regarding communication unit 110)
The communication unit 110 is connected to the network N by wire or wirelessly. The communication unit 110 transmits and receives information to and from the terminal device 10 via the network N. FIG. Communication unit 110 is realized by, for example, a NIC (Network Interface Card) or the like. The network N is a WAN (Wide Area Network) such as the Internet. Note that the network N may include a communication network such as a LAN (Local Area Network), a telephone network (for example, a mobile telephone network, a fixed telephone network, etc.), a regional IP (Internet Protocol) network, or the like. Also, the network N may include a wired network or a wireless network.

(Regarding storage unit 120)
The storage unit 120 stores programs and data used for control and calculation by the control unit 130 . Storage unit 120 is implemented by, for example, a semiconductor memory device such as RAM (Random Access Memory) or flash memory, or a storage device such as a hard disk or optical disk. As shown in FIG. 3 , storage unit 120 has business operator information storage unit 121 , code information storage unit 122 , and remittance acceptance history storage unit 123 .

(Regarding the business operator information storage unit 121)
The business information storage unit 121 stores information on businesses that use the corporate account service. As explained below, the corporate account service consists of a sub-wallet that is used to receive electronic money sent using the remittance service, and a sub-wallet that is used to withdraw the balance of the sub-wallet to the business operator's bank account. A main wallet is provided. FIG. 4 is a diagram showing an outline of business operator information stored in the business operator information storage unit according to the present embodiment. Note that FIG. 4 shows an example of business operator information according to the present embodiment, and may be configured in a form different from the example shown in FIG.

As shown in FIG. 4, the business information stored in the business information storage unit 121 includes items of "Business ID", "Corporate Account ID", "Wallet", and "Financial Institution It has a plurality of items such as an item of "account". These items included in the business operator information are associated with each other.

The item of “business operator ID” stores a business operator ID, which is identification information for identifying a business operator that uses the corporate account service. A corporate account ID, which is identification information for identifying a corporate account, is stored in the “corporation account ID” item.

The "wallet" item includes multiple items such as the "main wallet" item, the "sub-wallet 1" item, the "sub-wallet 2" item, and the "sub-wallet 3" item. there is

The "main wallet" item stores a main wallet ID, which is identification information for identifying the main wallet, and information on the money balance registered in the main wallet.

The sub-wallet ID, which is identification information for identifying the sub-wallet for donation A, and the money balance information registered in the sub-wallet for donation A are stored in the item "sub-wallet 1". The sub-wallet for donation A is provided in association with a service for receiving electronic money sent (donated) from user U through code information Q corresponding to donation A.

The item "sub wallet 2" stores a sub wallet ID, which is identification information for identifying the sub wallet for donation B, and information on the balance of money registered in the sub wallet for donation B. The sub-wallet for donation B is provided in association with a service for receiving electronic money sent (donated) from user U through code information Q corresponding to donation B.

The item "sub-wallet 3" stores the sub-wallet ID, which is identification information for identifying the sub-wallet for donation C, and the money balance information registered in the sub-wallet for donation C. The sub-wallet for C donation is provided in association with a service for receiving electronic money remitted (donated) from user U through code information Q corresponding to C donation.

The “financial institution account” item stores an account number indicating an account of a financial institution linked to the main wallet. This account number is used as a payout destination for donations received from the user U. The financial institution account may be a one-time account.

In addition to the information described above, the business operator information may also store information indicating a payout cycle for paying out donations received from the user U. In this case, the business operator can set an arbitrary cycle within a range that allows compliance with retention regulations stipulated in laws and regulations (for example, the Fund Settlement Act).

(Regarding the code information storage unit 122)
The code information storage unit 122 stores various information related to code information issued to businesses. FIG. 5 is a diagram showing an outline of code information stored in the code information storage unit according to this embodiment. FIG. 5 shows an example of code information according to the present embodiment, and may be configured in a form different from the example shown in FIG.

As shown in FIG. 5, the various types of information related to the code information stored in the code information storage unit 122 include items such as "enterprise ID", "corporation account ID", "code ID", and " It has a plurality of items such as "Remittance destination display name" item, "Expiration date" item, and "Venue" item. These items included in various types of information related to code information are associated with each other.

The item of “business operator ID” stores a business operator ID, which is identification information for identifying a business operator that uses the corporate account service. A corporate account ID, which is identification information for identifying a corporate account, is stored in the “corporation account ID” item.

A code ID, which is identification information for identifying a code issued to a business operator, is stored in the "code ID" item. Information indicating the name of the project launched by the business operator for fundraising is stored in the item "remittance destination display name". For example, the name of the project stored in the item of "remittance recipient display name" is displayed as the remittance recipient (for example, "Donation A") on the terminal device 10 when the code information is read by the terminal device 10. be.

The "expiration date" item stores information indicating a date set in advance as an expiration date during which the code information can function in a valid state. The "venue" item stores information indicating the installation location of the code information determined by the operator.

According to FIG. 5, the remittance destination display of the code information of the code ID: "C#001" issued in association with the corporate account of the business operator whose business ID is "G#001": "H#001" It shows that the name is "Donation A", the expiration date is "January 31, 2022", and the venue is "X venue".

(Regarding remittance acceptance history storage unit 123)
The remittance reception history storage unit 123 stores information indicating the reception history of remittances to business operators. FIG. 6 is a diagram showing an overview of information indicating a remittance acceptance history stored in a remittance acceptance history storage unit according to the present embodiment. Note that FIG. 6 shows an example of information indicating the reception history of remittances according to the present embodiment, and may be configured in a form different from the example shown in FIG. For example, the information indicating the reception history of remittances does not have to have the item "corporation account ID".

As shown in FIG. 6, the information indicating the history of reception of remittance stored in the remittance reception history storage unit 123 includes the items of "enterprise ID", "corporation account ID", and "date of remittance reception". It has a plurality of items such as an item, a “remittance amount” item, a “remittance source ID” item, a “remittee display name” item, and a “venue” item. These items included in the information indicating the remittance acceptance history are associated with each other.

The item of “business operator ID” stores a business operator ID, which is identification information for identifying a business operator that uses the corporate account service. A corporate account ID, which is identification information for identifying a corporate account, is stored in the “corporation account ID” item.

Information indicating the date on which the remittance request from the user U was accepted (the date on which the remittance request was received) is stored in the item of "remittance acceptance date". Information indicating the remittance amount included in the remittance request from the user U is stored in the "remittance amount" item.

Information (user ID) indicating the remittance source of the remittance request is stored in the “remittance source ID” item. Information indicating the name of the project associated with the code information Q read by the user U at the time of sending the remittance request is stored in the “remittance destination display name” item. Information indicating the installation venue of the code information Q read by the user U at the time of sending the remittance request is stored in the "venue" item.

The information processing apparatus 100 can provide information indicating the reception history of remittance together with the code information to the business operator in response to a request from the business operator. For example, the information processing apparatus 100 can collect the history of receipt of remittances for each remittance recipient display name associated with the code information, and provide it to the business operator.

(Regarding the control unit 130)
The control unit 130 is a controller that controls the information processing device 100 and performs calculations. Various programs stored in a storage device inside the information processing apparatus 100 are executed by using a RAM as a work area, for example, by a CPU (Central Processing Unit) or an MPU (Micro Processing Unit). It is realized by Also, the control unit 130 is implemented by an integrated circuit such as an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array), or an SoC (System on a Chip).

As shown in FIG. 3 , control unit 130 has code issuing unit 131 , remittance accepting unit 132 , and balance processing unit 133 . The control unit 130 implements or executes the functions and actions of information processing described below by using the respective units shown in FIG. 3 .

(Regarding the code issuing unit 131)
The code issuing unit 131 performs remittance for a predetermined purpose with the business operator as the remittance destination by linking it to the corporate account provided to the business operator who uses the corporate service that allows remittance from other accounts. Issue code information that describes information for For example, the code information describes information for accessing a remittance screen (web page) prepared in advance for each project launched by the business operator for fundraising or fund procurement. Specifically, the code issuing unit 131 receives and stores various information shown in FIG. Code information including a code ID for identifying the project is issued. The code issuing unit 131 manages code information issued to businesses in association with corporate accounts. Also, the code issuing unit 131 can issue a plurality of pieces of code information in association with a corporate account.

(Regarding remittance reception unit 132)
The remittance acceptance unit 132 accepts remittances from other accounts through code information issued by the code issuing unit 131 . Specifically, the remittance reception unit 132 uses the identification information (enterprise ID for identifying the enterprise of the destination or the code ID for identifying the project) transmitted from the terminal device 10 that has read the code information. Based on this, from the code information stored in the code information storage unit 121, information indicating the name of the project (remittee display name) associated with the identification information is acquired and provided to the terminal device 10. Also, if the code information associated with each piece of information included in the reception information received from another account has expired, the remittance reception unit 132 returns error processing to the other account that is the remittance source. . Specifically, when the remittance reception unit 132 receives a business operator ID for identifying a business operator of the remittance destination and a code ID for identifying the above-described project from another account (for example, user U) , refer to the expiration date of the code information Q1 linked to each information included in the received information, and if the reception date of the received information has passed the expiration date (if it is not within the expiration date), "This donation The QR code has expired." error message can be sent. Further, when a plurality of pieces of code information linked to the same business operator are issued, the remittance reception unit 132 selects information related to other pieces of code information whose reception date of received information is within the expiration date among the plurality of pieces of code information. , to other accounts from which you receive and receive information. Specifically, the remittance reception unit 132 selects each code acquired from the remittance request from among the code information stored in the code information storage unit 121 based on the business operator ID and the code ID received from the terminal device 10 . Refer to the expiration date associated with the information. Then, when the validity period associated with the business operator ID and the code ID received from the terminal device 10 has expired, the remittance reception unit 132 further refers to the code information stored in the code information storage unit 121, It is checked whether there is another donation project that has the same remittance destination business operator and has not expired, and if there is another project whose expiration date has not expired, the information of the project is sent to the terminal device 10. offer. The project information may be information that can be linked to the remittance screen of the project, information about the donation site included in the code information, or the display name of the remittance destination.

(Regarding the balance processing unit 133)
The balance processing unit 133 adds electronic money corresponding to the amount of remittance accepted by the remittance accepting unit 132 to the wallet balance of the corporate account. For example, the balance processing unit 133 adds electronic money corresponding to the amount of remittance accepted by the remittance accepting unit 132 to the balance of the sub-wallet corresponding to the code information read at the time of remittance. In addition, the balance processing unit 133 manages information indicating the date of remittance, information indicating the remittance amount, information indicating the remittance source, and information indicating the remittance destination for each corporate account in association with each other. do. In addition, the balance processing unit 133 provides information regarding remittance received through the code information for each code information.

[3. Processing procedure]
Next, a processing procedure performed by the information processing apparatus 100 according to this embodiment will be described with reference to FIG. FIG. 7 is a flow chart showing an example of the processing procedure of the information processing apparatus according to this embodiment. Note that the processing procedure described below is repeatedly executed by the control unit 130 of the information processing apparatus 100 .

As shown in FIG. 7, the code issuing unit 131 issues code information in which information for performing remittance for a predetermined purpose is described with a business operator as a remittee in association with a corporate account (step S101). .

Also, the remittance accepting unit 132 accepts remittance from another account through the code information issued in step S101 (step S102).

In addition, the balance processing unit 133 adds the electronic money corresponding to the remittance amount accepted in step S102 to the balance of the wallet (sub-wallet) of the corporate account (step S103), and the processing procedure shown in FIG. exit.

[4. Modification]
The embodiment described above is an example of information processing according to the embodiment, and various modifications and applications are possible.

(4-1. Expired code information)
For example, in the example of the information processing described above, the information processing device 100 may notify the business operator of the remittance request through the expired code information Q frequently. In addition, the information processing device 100 acquires the location information associated with the account of the transmission source of the remittance request through the code information Q whose expiration date has expired, and based on the acquired location information, the location where the transmission request was transmitted. may be estimated and the estimation results provided to the operator.

(4-2. Regarding the setting of the maximum amount for code information)
For example, in the example of the information processing described above, the information processing device 100 may set, for the code information Q, an upper limit amount of money that can be accepted for remittance. As a result, it is possible to avoid receiving a larger amount than expected by the business operator. Further, when the upper limit amount is reached, even if the expiration date associated with the corresponding code information Q has not passed, acceptance of remittance may be stopped and an error message may be displayed on the terminal side. Specifically, when the upper limit amount is reached, information indicating that the upper limit amount has been reached is stored in the code-related information. is received, based on the received business operator ID and code ID, the code information stored in the code information storage unit 121 contains information indicating that the maximum amount has been reached, The terminal displays the information "The maximum donation amount has been reached."

(4-3. Information described in code information)
In the above information processing, the information described in the code information includes a business ID, which is identification information for identifying the business to which the remittance is to be made, a corporate account ID, which can identify the business account, and the project launched by the business. Although the code ID, which is identification information for identification, has been mentioned, the information processing apparatus 100 only needs to uniquely identify the business operator and the project launched by the business operator, so the code ID is not limited to this. For example, one piece of identification information may be used to identify the corresponding business operator and the project in the information processing apparatus 100 .

[5. Hardware configuration]
Also, the information processing apparatus 100 according to the present embodiment described above is implemented by, for example, a computer 1000 configured as shown in FIG. FIG. 8 is a hardware configuration diagram showing an example of a computer that implements the functions of the service providing apparatus according to this embodiment or a modified example.

A computer 1000 is connected to an output device 1010 and an input device 1020, and an arithmetic device 1030, a primary storage device 1040, a secondary storage device 1050, an output IF (Interface) 1060, an input IF 1070, and a network IF 1080 are connected via a bus 1090. have

Arithmetic device 1030 operates based on programs stored in primary storage device 1040 and secondary storage device 1050, programs read from input device 1020, and the like, and executes various types of processing. The primary storage device 1040 is a memory device such as a RAM that temporarily stores data used by the arithmetic device 1030 for various calculations. The secondary storage device 1050 is a storage device in which data used for various calculations by the arithmetic device 1030 and various databases are registered, and is implemented by a ROM (Read Only Memory), HDD, flash memory, or the like.

The output IF 1060 is an interface for transmitting information to be output to the output device 1010 that outputs various types of information such as a monitor and a printer. It is realized by a connector conforming to a standard such as HDMI (registered trademark) (High Definition Multimedia Interface). Also, the input IF 1070 is an interface for receiving information from various input devices 1020 such as a mouse, keyboard, scanner, etc., and is implemented by, for example, USB.

Note that the input device 1020 includes, for example, optical recording media such as CDs (Compact Discs), DVDs (Digital Versatile Discs), PDs (Phase change rewritable discs), magneto-optical recording media such as MOs (Magneto-Optical discs), and tapes. It may be a device that reads information from a medium, a magnetic recording medium, or a semiconductor memory. Also, the input device 1020 may be an external storage medium such as a USB memory.

Network IF 1080 receives data from other devices via network N and sends the data to arithmetic device 1030, and also transmits data generated by arithmetic device 1030 via network N to other devices.

The arithmetic device 1030 controls the output device 1010 and the input device 1020 via the output IF 1060 and the input IF 1070 . For example, arithmetic device 1030 loads a program from input device 1020 or secondary storage device 1050 onto primary storage device 1040 and executes the loaded program.

For example, when the computer 1000 functions as the information processing device 100 according to the present embodiment, the arithmetic device 1030 of the computer 1000 executes a program (for example, an information processing program) loaded on the primary storage device 1040 to A function similar to that of the control unit 330 is realized. That is, the arithmetic device 1030 realizes the processing by the information processing device 100 according to this embodiment in cooperation with the program (for example, the information processing program) loaded on the primary storage device 1040 .

Further, when the computer 1000 functions as the information processing device 100 according to the modification, the arithmetic device 1030 of the computer 1000 executes a program (for example, an information processing program) loaded on the primary storage device 1040 to perform control. A function similar to that of the unit 430 is realized. That is, arithmetic device 1030 implements processing by information processing device 100 according to the modification in cooperation with a program (for example, an information processing program) loaded on primary storage device 1040 .

[6. effect〕
As described above, the information processing apparatus 100 according to the present embodiment executes processing related to corporate services that allow remittances from other accounts. The information processing device 100 also has a code issuing unit 131 , a remittance receiving unit 132 , and a balance processing unit 133 . The code issuing unit 131 issues code information described for performing remittance for a predetermined purpose to a business operator in association with a corporate account provided to the business operator using the corporate service. The remittance acceptance unit 132 accepts remittances from other accounts through code information issued by the code issuing unit 131 . The balance processing unit 133 adds electronic money corresponding to the amount of remittance accepted by the remittance accepting unit 132 to the wallet balance of the corporate account.

In addition, the code information includes identification information for identifying the business operator and the predetermined purpose, and the remittance reception unit 132 indicates the predetermined purpose based on the identification information included in the received information received from other accounts. After providing information to other accounts, accept remittance requests from other accounts for specified purposes.

In this way, according to the information processing apparatus 100 according to the present embodiment, for example, the user U who uses the remittance service can make remittance by reading the code information Q with a simple operation. The convenience of U can be improved. As a result, it is also possible to increase the probability that the user U will make the remittance. On the other hand, according to the information processing device 100, the business operator M using the service for corporations that receives remittances through the remittance service does not need to build a new system for receiving remittances from the user U, and can easily perform remittances. allow to receive. Further, according to the information processing device 100, the business operator M can receive remittances from the user U for each contract unit of the service for receiving remittances from the user U, and can analyze the route of the remittance. As well as making it easier to manage the funds received.

Further, when the code information associated with the received information received from another account has expired, the remittance receiving unit 132 returns error processing to the other account that is the source of the received information. .

In addition, the remittance reception unit 132 refers to the expiration date of the code information linked to the identification information included in the received information, and if the reception date of the received information has passed the expiration date, the code information has expired. Provide a message to that effect to other accounts.

In this way, the information processing apparatus 100 can prevent, for example, remittance from the user U beyond the collection period.

Further, when a plurality of pieces of code information linked to the same business operator are issued, the remittance reception unit 132 selects information related to other pieces of code information whose reception date of received information is within the expiration date among the plurality of pieces of code information. , to other accounts from which you receive information. Thereby, the information processing apparatus 100 can provide useful information to, for example, the user U who intends to donate to a predetermined organization.

In addition, the balance processing unit 133 associates information indicating the date of remittance, information indicating the remittance amount, information indicating the remittance source, and information indicating the remittance destination for each corporate account, Manage as a history of receipt of remittances. As a result, the information processing device 100 can provide a remittance acceptance history including these information in response to a request from the business operator M.

Also, the code issuing unit 131 issues a plurality of pieces of code information in association with corporate accounts. In addition, the balance processing unit 133 provides information regarding remittance received through the code information for each code information. Thereby, the information processing apparatus 100 can provide a remittance acceptance history for each code information in units of service contracts for receiving remittances (for example, for each remittee display name).

[7. others〕
As described above, the embodiments and some of the modifications have been described in detail with reference to the drawings, but these are examples, and various modifications can be made based on the knowledge of those skilled in the art, including the aspects described in the section of the disclosure of the invention. It is possible to carry out the present invention in other forms with modifications and improvements.

In addition, the information processing apparatus 100 described above can flexibly change its configuration, for example, by calling an external platform or the like using an API (Application Programming Interface), network computing, or the like, depending on the function.

In addition, the "unit" described in the claims can be read as "means", "circuit", or the like. For example, the control unit can be read as control means or a control circuit.

Also, the effects described in the embodiments of the present application are merely descriptive or exemplary, and are not limiting. In other words, the embodiments of the present application can have other effects that are obvious to those skilled in the art from the description of the embodiments in addition to or instead of the above effects.

100 information processing device 110 communication unit 120 storage unit 121 business operator information storage unit 122 code information storage unit 123 remittance reception history storage unit 130 control unit 131 code issuing unit 132 remittance reception unit 133 balance processing unit

Claims (8)

An information processing device that executes processing related to corporate services that allow remittances from other accounts,
A code issuing unit that issues code information describing information for performing remittance for a predetermined purpose with the business operator as a remittance recipient in association with a corporate account provided to the business operator that uses the corporate service. When,
a remittance receiving unit that receives remittance from the other account through the code information issued by the code issuing unit;
a balance processing unit that adds electronic money equivalent to the amount of remittance accepted by the remittance acceptance unit to the wallet balance of the corporate account ;
The code issuing unit
Linking to the corporate account, issuing a plurality of the code information in association with a remittance destination display name that is information indicating the remittance destination,
The balance processing unit
For each corporate account, the information indicating the date of the remittance, the information indicating the remittance amount, the information indicating the remittance source, and the remittance destination display name are associated with each other to form a remittance acceptance history. manage and
An information processing apparatus , wherein the remittance acceptance history is compiled and provided for each of the remittance destination display names in response to a request from the business operator . The code information is
including identification information for identifying said business operator and said predetermined purpose;
The remittance reception unit
After providing information indicating the predetermined purpose to the other account based on the identification information included in the received information received from the other account, remittance for the predetermined purpose from the other account 2. The information processing apparatus according to claim 1, which receives a request. The remittance reception unit
If the code information associated with the received information received from the other account has expired, error processing is returned to the other account that is the source of the received information. 3. The information processing device according to 2. The remittance reception unit
The expiration date of the code information associated with the identification information included in the received information is referred to, and if the reception date of the received information has passed the expiration date, the expiration date of the code information has expired. 4. The information processing apparatus according to claim 3, wherein the message is provided to the other account. An information processing device that executes processing related to corporate services that allow remittances from other accounts,
A code issuing unit that issues code information describing information for performing remittance for a predetermined purpose with the business operator as a remittance recipient in association with a corporate account provided to the business operator that uses the corporate service. When,
a remittance receiving unit that receives remittance from the other account through the code information issued by the code issuing unit;
a balance processing unit that adds electronic money equivalent to the amount of remittance accepted by the remittance acceptance unit to the wallet balance of the corporate account;
has
The code information is
including identification information for identifying said business operator and said predetermined purpose;
The remittance reception unit
After providing information indicating the predetermined purpose to the other account based on the identification information included in the received information received from the other account, a remittance request for the predetermined purpose from the other account accept the
If the code information associated with the received information received from the other account has expired, returning error processing to the other account that is the source of the received information,
The expiration date of the code information associated with the identification information included in the received information is referred to, and if the reception date of the received information has passed the expiration date, the expiration date of the code information has expired. provide the message to said other account;
When a plurality of the code information linked to the same business operator have been issued, the information relating to the other code information for which the reception date of the received information is within the validity period, among the plurality of the code information, An information processing device, characterized in that the information is provided to the other account that is the source of the information. setting an upper limit amount that can be accepted for remittance in association with the code information;
The remittance reception unit
If information indicating that the maximum amount has been reached is added to the code information linked to the received information received from the other account, the other account that is the source of the received information return an error
3. The information processing apparatus according to claim 2, characterized by: An information processing method executed by a computer that executes processing related to corporate services that allow remittances from other accounts to be accepted,
A code issuance step of issuing code information describing information for performing remittance for a predetermined purpose with the business operator as the remittance recipient in association with the corporate account provided to the business operator using the corporate service. When,
a remittance receiving step of receiving remittance from the other account through the code information issued by the code issuing step;
a balance processing step of adding electronic money equivalent to the amount of remittance accepted by the remittance acceptance step to the wallet balance of the corporate account ;
The code issuing step includes:
Linking to the corporate account, issuing a plurality of the code information in association with a remittance destination display name that is information indicating the remittance destination,
The balance processing step includes:
For each corporate account, the information indicating the date of the remittance, the information indicating the remittance amount, the information indicating the remittance source, and the remittance destination display name are associated with each other to form a remittance acceptance history. manage and
Collecting and providing the reception history of the remittance for each remittance destination display name in response to a request from the business operator
An information processing method characterized by: A computer that performs processing related to corporate services that can accept remittances from other accounts,
A code issuance procedure for issuing code information describing information for performing remittance for a predetermined purpose with the business operator as the remittance destination in association with the corporate account provided to the business operator using the corporate service. When,
a remittance acceptance procedure for accepting remittance from the other account through the code information issued by the code issuing procedure;
a balance processing procedure for adding electronic money equivalent to the remittance amount accepted by the remittance acceptance procedure to the balance of the wallet held by the corporate account ;
The code issuing procedure includes:
Linking to the corporate account, issuing a plurality of the code information in association with a remittance destination display name that is information indicating the remittance destination,
The balance processing procedure includes:
For each corporate account, the information indicating the date of the remittance, the information indicating the remittance amount, the information indicating the remittance source, and the remittance destination display name are associated with each other to form a remittance acceptance history. manage and
An information processing program, characterized in that , in response to a request from the business operator, the reception history of the remittance is collected and provided for each of the remittance destination display names .

Images