JP7271106B2 - Transfer processing method, information processing device and computer program - Google Patents

Description

The present disclosure relates to a transfer processing method, an information processing device, a computer program, and the like.

Various techniques have been developed to simplify user transfer transactions in financial institutions such as banks (eg, Patent Document 1). Accounts used in transfer transactions may be opened by the same holder at multiple financial institutions depending on the purpose. To select one of a plurality of accounts and notify the other person of the account number of the selected financial institution when transferring money from another person to a user who has accounts of a plurality of financial institutions. In addition, when an account of a financial institution that is not owned becomes necessary for a certain purpose, the account may be opened only for one purpose.

JP 2006-039858 A

However, when an account is specified for each person who makes a transfer, there is a problem that the management becomes complicated. In addition, when a user opens an account for each purpose for a limited period of time at a financial institution, there is a possibility that the account will become dormant when the purpose is no longer used, so there is a problem that the number of dormant accounts increases.

The present disclosure has been made in view of such circumstances, and aims to provide a transfer processing method, an information processing device, and a computer program that facilitate transfer procedures and suppress the occurrence of dormant accounts. to provide.

A transfer processing method according to an embodiment of the present disclosure stores a virtual account without a savings function corresponding to an account with a savings function, and transfers money from a plurality of transferees to the virtual account. The computer is made to execute a process of accepting, specifying the account from the virtual account, and performing transfer processing corresponding to the transfer to the specified account.

According to one embodiment of the present disclosure, the virtual account creator notifies the payer of the virtual account number so that the payer can transfer funds without individually notifying the bank account number with the savings function of the financial institution. Transfer can be processed by requesting procedures. In addition, since the transfer process can be completed by notifying the payer of only the virtual account number, there is no need to notify the account number of the financial institution, etc., and the user will not disclose the account number with the savings function. can be
Furthermore, since the money transfer from the payer is processed through the virtual account, there is no need to open an account designated by the payer. Therefore, it is possible to prevent the occurrence of dormant accounts opened for limited-time purposes.
As described above, the transfer procedure can be facilitated and the occurrence of dormant accounts can be suppressed.

In a transfer processing method according to an embodiment of the present disclosure, the virtual account is associated with a plurality of accounts, and a rule for specifying one of the plurality of accounts for which the transfer processing is to be performed is stored. , when the transfer to the virtual account is accepted, the transfer is made to the account according to the rule.

According to an embodiment of the present disclosure, it is possible to perform transfer processing more easily by setting rules for transfer processing in advance.

A transfer processing method according to an embodiment of the present disclosure stores a rule that associates each account with information identifying the transferor, or the amount, date and time, or keyword in the transfer processing.

According to an embodiment of the present disclosure, rules can be set well.

In a transfer processing method according to an embodiment of the present disclosure, the account is a time-limited account that is closed after existing for a predetermined period of time.

According to an embodiment of the present disclosure, an account with a time limit can be a target account for transfer processing.

An information processing apparatus according to an embodiment of the present disclosure includes a storage unit that stores a virtual account that does not have a savings function corresponding to an account that has a savings function, and a plurality of transferees whose transfer destination is the virtual account a receiving unit that receives the transfer of the above, a specifying unit that specifies the account from the virtual account, and an output unit that outputs information related to the transfer process corresponding to the transfer to the account specified by the specifying unit Prepare.

According to an embodiment of the present disclosure, the virtual account creator notifies the payer of the virtual account number so that the payer can make a transfer without individually notifying the bank account number with the savings function of the financial institution. Transfer can be processed by requesting procedures. In addition, since the transfer process can be completed by notifying the payer of only the virtual account number, there is no need to notify the account number of the financial institution, etc., and the user will not disclose the account number with the savings function. can be
Furthermore, since the money transfer from the payer is processed through the virtual account, there is no need to open an account designated by the payer. Therefore, it is possible to prevent the occurrence of dormant accounts opened for limited-time purposes.
As described above, the transfer procedure can be facilitated and the occurrence of dormant accounts can be suppressed.

A computer program according to an embodiment of the present disclosure, in which a computer accepts registration of a virtual account without a savings function corresponding to an account with a savings function, and transfers money from a plurality of transferees to the virtual account as a transfer destination. is performed, a process for displaying the balance of the account reflecting the transfer is executed.

According to an embodiment of the present disclosure, the virtual account creator notifies the payer of the virtual account number so that the payer can make a transfer without individually notifying the bank account number with the savings function of the financial institution. Transfer processing can be performed by requesting procedures. In addition, when the transfer is performed, the confirmation can be performed. As described above, the transfer procedure can be facilitated and the occurrence of dormant accounts can be suppressed.

A computer program according to an embodiment of the present disclosure, wherein the virtual account is associated with a plurality of accounts, and executes processing for receiving the setting of a rule that identifies one account in which transfer processing from the virtual account is performed. Let

According to an embodiment of the present disclosure, it is possible to accept transfers from multiple transferers in a virtual account and have the transfer transferred to a desired account.

A computer program according to an embodiment of the present disclosure accepts setting of rules for associating each account with information identifying the transferor, or the amount, date and time, or keyword in the transfer process.

According to an embodiment of the present disclosure, rules can be set well.

A computer program product according to an embodiment of the present disclosure includes a time-limited account that is closed after the account has existed for a predetermined period of time.

According to one embodiment of the present disclosure, credits to time-limited accounts may be received via a virtual account.

A computer program according to an embodiment of the present disclosure causes a process of accepting a process of closing the account with a time limit.

According to one embodiment of the present disclosure, a user of a virtual account can process a time-limited account closure.

A computer program according to an embodiment of the present disclosure receives transfer request information including the name of the virtual account and a payee's account, and executes a process of making a transfer to the payee's account via the virtual account. Let

According to an embodiment of the present disclosure, transfer processing from the user of the virtual account can be performed via the virtual account.

A computer program according to an embodiment of the present disclosure causes a process of outputting identification information related to the virtual account to be executed along with a transfer process to the transfer destination account.

According to one embodiment of the present disclosure, another person receiving a transfer through a virtual account can identify the user of the virtual account.

According to an embodiment of the present disclosure, it is possible to facilitate transfer procedures and suppress the occurrence of dormant accounts.

1 is a block diagram showing the configuration of an information processing system according to Embodiment 1; FIG. 10 is a flowchart showing the procedure of virtual account creation processing; FIG. 4 is a conceptual diagram showing an example of a record layout of a virtual account database; FIG. 10 is an explanatory diagram showing an image of a selection screen for rule setting; FIG. 10 is an explanatory diagram showing an image of a selection screen for rule setting; 4 is a flowchart showing the procedure of rule setting processing; FIG. 5 is an explanatory diagram showing an image of a rule setting screen; 4 is a conceptual diagram showing an example of a record layout of a rule table; FIG. 4 is a flow chart showing a procedure of transfer processing; FIG. 5 is an explanatory diagram showing an image of a confirmation screen; FIG. 11 is an explanatory diagram showing an image of a confirmation screen after an operation; FIG. 11 is an explanatory diagram showing an image of a remittance rule setting screen in Embodiment 2; It is a flowchart which shows the procedure of a remittance process. It is explanatory drawing which shows the image of a 1st remittance processing screen. It is explanatory drawing which shows the image of a 2nd remittance processing screen. FIG. 13 is a flow chart showing a procedure for closing an account with a time limit according to Embodiment 3. FIG. FIG. 11 is a conceptual diagram showing a transfer mode according to Embodiment 4; 4 is a flow chart showing a procedure of transfer processing; FIG. 4 is a conceptual diagram showing an example of a record layout of a fee table;

Hereinafter, a transfer processing method, an information processing device, and a computer program according to the present disclosure will be described in detail with reference to drawings showing embodiments thereof.
(Embodiment 1)
BEST MODE FOR CARRYING OUT THE INVENTION An embodiment of the present invention will be described below with reference to the drawings. FIG. 1 is a block diagram showing the configuration of an information processing system according to Embodiment 1. As shown in FIG. The information processing system includes a server device 1 , a receiver account 2 and a terminal device 3 . This information processing system is a device in which a server device 1 performs processing related to transfer to a recipient account in a different financial institution based on information from a terminal device 3 . Each configuration will be specifically described below.

The server device 1 includes a processing unit 10 , a storage unit 11 , a mass storage unit 12 , a first communication unit 13 and a second communication unit 14 . The processing unit 10 includes one or a plurality of CPUs (Central Processing Units), MPUs (Micro Processing Units), etc., and controls the operation of the server device 1 as a whole. Note that the server device 1 may be composed of distributed computers.

The storage unit 11 includes a ROM (Read Only Memory), a RAM (Random Access Memory), etc., and stores a processing program 11a executed by the processing unit 10 . The large-capacity storage unit 12 is a large-capacity storage device including, for example, a hard disk, and stores information and the like regarding a plurality of virtual accounts 4 .

The virtual account 4 does not have a savings function, and is an account used for transferring money to an account of a financial institution or the like. Here, the savings function refers to a normal account in which a user of a financial institution such as a bank deposits and saves, and the bank's database or the like stores the account number and its balance. The large-capacity storage unit 12 includes, for each virtual account, basic information 40, such as the virtual account number and the name of the founder, and a rule table 41 that defines transfer processing rules for the virtual account.

The first communication unit 13 performs two-way communication with a system that manages the account of the recipient via a predetermined communication line or network. The second communication unit 14 performs two-way communication with the terminal device 3 via a predetermined communication line or network. Note that the first communication unit 13 and the second communication unit 14 may be configured as one communication unit.

In this information processing system, the receiver's account is an account that receives money in the transfer from the virtual account 4, and has a savings function such as the A bank account 20, the B bank account 21, the fixed term account 22, and the electronic money account 23. including accounts with Here, the term-limited account 22 is an account that has a saving function and is closed when a predetermined term expires.

The terminal device 3 is, for example, a mobile terminal device such as a smartphone, and includes both a control unit 30 configured by a CPU, an MPU, etc., a storage unit 31 configured by including a ROM, a RAM, etc., and the server device 1. It has a communication unit 32 that performs directional communication, an input unit 33 that performs input for operating the terminal device 3, and a display unit 34 that performs screen display. The storage unit 31 stores an application program 31a for using this information processing system. Note that the terminal device 3 may be a tablet device, a personal computer, or other device.

This information processing system creates a virtual account 4 in the server device 1 in response to a request from the terminal device 3, and the owner of the virtual account 4 notifies the person making the transfer to his own account of the receiver of the virtual account number, In this system, the money is received by the payee's account 2 specified via the virtual account 4 by the transfer person making the transfer to the virtual account 4 . Further, this information processing system is a system that accepts transfers from a plurality of transferees whose transfer destination is the virtual account 4, and receives the money in the specified receiver account 2 for each transfer.

FIG. 2 is a flowchart showing the procedure of virtual account creation processing. The virtual account creation process is executed by the terminal device 3 and the server device 1, for example, when the application program 31a is downloaded to the terminal device 3 and the application program 31a is started for the first time.

The control unit 30 of the terminal device 3 causes the display unit 34 to display an input screen for input information necessary for creating the virtual account 4 (S1). Here, the input information is information necessary for creating a virtual account, such as the user's name and the account number of the account to be registered as the receiver's account 2 corresponding to the virtual account 4 . The owner of the terminal device 3 can enter input information through the input unit 33 on the input screen. The control unit 30 receives input information input on the input screen (S2), and the control unit 30 transmits the received input information to the server device 1 via the communication unit 32 (S3).

The server device 1 receives the input information transmitted from the terminal device 3 (S4). The server device 1 creates a virtual account 4 based on the received input information (S5). The virtual account 4 is created by assigning a unique virtual account number to the virtual account 4 to be created, and by matching the basic information 40 including the virtual account number and registration information with the rule table 41 including default rules to be automatically created. The data is stored in the large-capacity storage unit 12.

The large-capacity storage unit 12 also has a virtual account database in which each virtual account 4 is associated with the receiver's account 2 and stored. FIG. 3 is a conceptual diagram showing an example of the record layout of the virtual account database. As shown in FIG. 3, the virtual account database stores financial institutions and their account numbers associated with one or more receiver accounts 2 in correspondence with virtual accounts.

After the creation of the virtual account 4 is completed, the server device 1 transmits completion information of creation of the virtual account 4 to the terminal device 3 (S6). The completion information includes the virtual account number, default rule content, and the like.

The control unit 30 receives the completion information (S7), and causes the display unit 34 of the terminal device 3 to display registration information including the completion of creation of the virtual account 4, the virtual account number, and the default rule, thereby confirming the creation of the virtual account. Completion is notified (S8). After that, the control unit 30 displays a setting selection screen for selecting whether or not to set rules for transfer using the virtual account 4 (S9).

4 and 5 are explanatory diagrams showing images of selection screens for setting rules. As shown in FIG. 4, the selection screen displays links of "new rule setting" for newly setting a rule and "change registered rule" for changing a registered rule. It also displays a "Registered Rules" link for checking registered rules. When setting a new rule, the user can request the setting of the rule by selecting the item "new rule setting". The selection screen can also be accessed by the user's operation of the terminal device 3 according to the guidance screen by the application program 31a.

The screen in FIG. 4 is a selection screen at the beginning of creation of the virtual account 4, and the registered rule is only the default rule. Items such as "Transfer" and "Transfer from B" are displayed.

After that, the control unit 30 determines whether or not there is a rule setting request (S10). If there is a setting request (S10: YES), the control unit 30 performs a rule setting process (S11), which will be described later, and then ends the virtual account 4 creation process. Also, if there is no setting request (S10: NO), the control unit 30 ends the virtual account 4 creation process. At this time, the user may be automatically logged out from the application after a predetermined period of time has elapsed.

The control unit 30 performs rule setting processing when a rule setting request is received on the rule setting selection screens shown in FIGS. 4 and 5 . FIG. 6 is a flowchart showing the procedure of rule setting processing.

The control unit 30 displays a rule setting screen on the display unit 34 (S21). FIG. 7 is an explanatory diagram showing an image of the rule setting screen. FIG. 7 is a rule setting screen when "new rule setting" is selected on the selection screen of FIG. 4 or FIG.

As shown in FIG. 7, the rule setting screen is a screen for selecting rule information including the transfer source account, bank, amount, date and time, stamp and keyword, account designated as receiver account 2, and the like. Items selected on the rule setting screen are entered from, for example, a pull-down menu. A plurality of accounts are displayed as the account designated as the receiver account 2, and one account can be selected from the plurality of accounts. As a result, the account designated as the receiver account 2 is associated with the account of the transfer source, the bank, the amount, the date and time, the stamp, and the selected keyword.

By setting the items of the account and bank of the transfer source, when the transferor makes a transfer from the bank account of the financial institution to the virtual account 4, based on the account number and bank name of the transferor's bank account, A beneficiary account 2 to which the transfer from the virtual account 4 is to be made is identified.
By setting the amount and date and time items, it can be used when the payer makes a regular transfer (e.g. monthly rent, monthly remittance, monthly purchase price for products), and the transfer amount and date Based on the transfer date and time, the recipient account 2 to which the transfer from the virtual account 4 is to be made is specified.

In addition, by setting the item of the stamp, when the transfer person uses a smartphone to send a stamp of the set type along with the transfer to the virtual account 4, the stamp can be recognized and the virtual account can be transferred. The payee account 2 to which the transfer from 4 will be made is identified.
In addition, by setting the item of the keyword, when the payer inputs the keyword at, for example, an ATM (automated teller machine) of a bank, the keyword is recognized and the money is transferred from the virtual account 4 to the receiver's account. 2 is specified.

It should be noted that a keyboard may be used to input words directly. In addition, the rule may be a mode in which one or more of the transfer source account, bank, amount, date and time, stamp or keyword is used for matching, or a mode in which all items are used for matching. .

The control unit 30 accepts the rule information input on the above screen (S22), and transmits the accepted rule information together with the virtual account number and the like to the server device 1 (S23). The server device 1 receives the rule information (S24), and the processing unit 10 identifies the virtual account 4 related to the received rule information (S25). The server device 1 assigns a unique number to the rule information in association with the specified virtual account 4, and stores it in the rule table 41 of the large-capacity storage unit 12 (S26).

Thereafter, the processing unit transmits completion information indicating completion of rule setting (S27), and the terminal device 3 receives the completion information (S28). The control unit 30 of the terminal device 3 stores the completed rule in the storage unit 31 (S29), displays information indicating the completion of the setting on the screen of the terminal device 3, and notifies of the completion of the setting (S30). The contents of the rules stored in the storage unit 31 can be confirmed from the above selection screen.

FIG. 8 is a conceptual diagram showing an example of the record layout of the rule table 41. As shown in FIG. In the rule table 41, the bank name and account number of the receiver's account 2, the transfer amount, date and time, stamp and keyword, and transfer source account are stored in association with each rule.

FIG. 9 is a flow chart showing the procedure of transfer processing. This information processing system uses the virtual account 4 created as described above to perform transfer processing as follows. The transfer process is executed, for example, when the owner of the virtual account 4 notifies the transferor of the virtual account number of his/her own virtual account 4 and the transferor transfers the money to the virtual account 4 from a bank window or ATM. be done. When the money is transferred to the virtual account 4 , a notification is sent to the server device 1 from the system of the bank that made the transfer, for example.

The server device 1 acquires transfer source information regarding the notified transfer from the transfer source bank system or the like (S41). The transfer source information includes the name of the transferor, the account number of the transfer source, the virtual account number of the transfer destination, the transfer date and time, and the like. After that, the server device 1 identifies the virtual account 4 (S42), refers to the rule table 41 corresponding to the identified virtual account 4 (S43), and selects an account in the receiver account 2 to receive the transfer. It is specified as a transfer destination (S44). Here, default rules are applied to transfers that do not apply to the rules set by the user of the virtual account 4 . In applying the default rule, the transfer is made to Bank A according to the default rule shown in FIG. 8, for example.

The server device 1 transmits the transfer information including the transfer source information and the specified transfer destination account number to the system of the bank or the like related to the transfer destination account (S45). A system such as a bank receives the transfer information (S46), and performs transfer processing related to the transfer information (S47). The bank system transmits transfer processing completion information to the server device 1 (S48).

The server device 1 receives the completion information (S49), and transmits the received completion information to the terminal device 3 (S50).

The control unit 30 of the terminal device 3 receives the completion information (S51), stores the received information in the storage unit 31 (S52), and prompts the user of the virtual account 4 to confirm the completion of the transfer process. A confirmation screen is displayed (S53).

FIG. 10 is an explanatory diagram showing an image of the confirmation screen. FIG. 11 is an explanatory diagram showing an image of the confirmation screen after the operation. For example, as shown in FIG. 10, the confirmation screen displays the transferor (“virtual Taro” in the figure), the “account number” of the transfer source, the “transfer amount” and “applied rule”, and the amount received by transfer. The balance of the recipient account 2 (“¥34,500” in the figure), the bank name of the registered recipient account 2 (“Bank A”, “Bank B”, and “C bank” in the figure), and the transfer to date A "list of all account transactions" indicating transactions and a "confirmation" icon for performing an operation indicating that the user has confirmed are displayed.

The control unit 30 determines whether or not the user of the terminal device 3 has selected the "confirm" icon with the input unit 33 and performed a confirmation operation (S54). If the control unit 30 determines that the confirmation operation has been performed (S54: YES), it displays the screen shown in FIG. The total account balance (“total balance ¥36,000” in the figure) etc. is displayed (S55), and the process is terminated. In the screens shown in FIGS. 10 and 11, for example, the part of the bank with which the transaction was made may blink.

When determining that the confirmation operation has not been performed (S54: NO), the control unit 30 ends the process. At this time, after a predetermined period of time has elapsed, processing such as transition to the startup screen of the application program 31a or logout may be performed.

According to the above configuration, transfer processing can be performed by notifying the payer of the number of the virtual account 4, and there is no need to tell the bank account number or the like, thereby preventing the spread of personal information. In addition, there is no need to open an account designated by the payer, and the occurrence of dormant accounts can be prevented.

(Embodiment 2)
In the information processing system according to Embodiment 2, the user of the virtual account 4 can use the virtual account 4 to deposit money into another person's financial institution account. Regarding the configuration of the information processing system in the second embodiment, the same reference numerals are assigned to the same configurations as in the first embodiment, and detailed description thereof will be omitted.

The application program 31a of the second embodiment includes a program for transferring money from the virtual account 4. FIG. The user of the virtual account 4 uses the terminal device 3 to set rules regarding transfer from the virtual account 4 . Here, the data input when the virtual account 4 is created is used as the user information.

The setting screen for rules regarding transfer from the virtual account 4 is displayed by the same operation as the display of the setting screen for rules in the first embodiment. FIG. 12 is an explanatory diagram showing an image of a remittance rule setting screen according to the second embodiment. Here, as shown in FIG. 12, the user of the virtual account 4 selects, for example, the account of the transfer destination, the bank, the amount, the date and time, the stamp and keyword, and the receiver account 2 specified as the transfer source from the pull-down menu. input. A list of transfer destination accounts may be created in advance for the server device 1, for example, when the virtual account 4 is created or individually thereafter. It should be noted that the above items may be in a form in which words are directly entered using a keyboard.

For example, the control unit 30 receives a transfer request via the server device 1 from the terminal device 3 of the user of the virtual account 4 or from the system of the financial institution. If so, perform the following remittance process.

In addition, the control unit 30, when a predetermined date and time (for example, one week before the transfer date and time) set in the rule setting regarding the transfer from the virtual account 4, or when the application program 31a When a request for transfer from the virtual account 4 is made according to the screen display, the following remittance processing is performed.

FIG. 13 is a flow chart showing the procedure of remittance processing. The control unit 30 displays a processing screen showing the contents of the transfer on the display unit 34 (S61). FIG. 14 is an explanatory diagram showing an image of the first remittance processing screen. FIG. 15 is an explanatory diagram showing an image of the second remittance processing screen.

When a remittance request is received from the terminal device 3 of the user of the virtual account 4 or the system of the financial institution via the server device 1, the control unit 30 automatically displays the first remittance processing screen shown in FIG. do. On the first remittance processing screen, information including the payee's name ("transfer request from Mr. C" in Fig. 14), "payment date" and "transfer amount", the type of "rule", transfer source account (“A bank account” in FIG. 14) and the transfer amount (“15,000” in FIG. 14) are displayed. Also, a "change" icon for changing the information is displayed, and change information can be input from the "change" icon, for example, from a pull-down menu. Further, on the screen of the terminal device 3, a "determine" icon for performing an operation to determine the content of the transfer is displayed.

15 is displayed on the display unit 34 when the preset date and time come, or when the input unit 33 makes a request for transfer from the virtual account 4 according to the screen display. do. On the second remittance processing screen, information including the name of the payee ("Mr. B" in FIG. 15) and "transfer amount", the type of "rule", the transfer source account ("A bank account" in FIG. 15) ”), and the transfer amount (“10,000” in FIG. 15) are displayed. Also, a "change" icon for changing the information is displayed, and change information can be input from the "change" icon, for example, from a pull-down menu. Further, on the screen of the terminal device 3, a "determine" icon for performing an operation to determine the content of the transfer is displayed.

The control unit 30 determines whether or not the "confirm" icon has been operated on the first remittance processing screen or the second remittance processing screen (S62). When determining that the determination operation has not been performed (S62: NO), the control unit 30 returns the process to step S62. When determining that the determination operation has been performed (S62: YES), the control unit 30 acquires the information input by the user of the terminal device 3 on the first remittance processing screen or the second remittance processing screen (S63).

After that, the control unit 30 generates information for transfer processing via the virtual account 4 based on the information acquired via the communication unit 32, and transmits the information to the server device 1 (S64). The generated information includes identification information related to the virtual account, such as the name of the virtual account and the virtual account number, and information related to the payee account. After that, the control unit 30 notifies the user of the completion of the transfer processing procedure by displaying it on the screen (S65) and terminates the processing. The server device 1 that has received the information from the control unit 30 transmits the information to the system of the bank to which the money is to be transferred, and requests the transfer processing.

According to the above configuration, it is possible to perform deposit processing using the virtual account 4, and to easily deposit money into the account specified by the payee.

(Embodiment 3)
The information processing system according to Embodiment 3 performs closing processing of the account 22 with a time limit. Regarding the configuration of the information processing system according to Embodiment 3, the same configurations as those in Embodiment 1 are denoted by the same reference numerals, and detailed description thereof will be omitted.

As the receiver's account 2 in the first embodiment, there is an account 22 with a time limit. Manage deadlines.

The time-limited account 22 is an account that has a saving function and is closed when a predetermined closing time limit is reached. The server device 1 transmits information including the closing deadline and the balance of the account 22 with the deadline to the terminal device 3 at a date and time set based on the closing deadline (for example, one week before the closing deadline). When the terminal device 3 receives the information, the terminal device 3 performs the following process of closing the account 22 with a time limit.

FIG. 16 is a flow chart showing the procedures for closing the account 22 with a time limit according to the third embodiment. Based on the information received from the server device 1, the control unit 30 of the terminal device 3 notifies the user of the closing time limit and the balance of the account 22 with a time limit by displaying them on the screen (S71). At this time, the control unit 30 displays on the display unit 34 an icon or the like for performing an operation indicating that the screen has been confirmed by the user.

After that, the control unit 30 determines whether or not the user has performed a confirmation operation (S72). If the control unit 30 determines that the user has performed the confirmation operation (S72: YES), the control unit 30 transmits information to that effect to the server device 1 (S73), and informs the user that the procedure has been completed by displaying a screen or the like. Notify (S74) and terminate the process. The server device 1 that has received the information requests the bank system or the like to transfer the amount of money for the balance of the account 22 with a time limit to one of the recipient accounts 2 of the user, and closes the account 22 with a time limit. When determining that the user has not performed the confirmation operation (S72: NO), the control unit 30 returns the process to step S72.

According to the above configuration, it is possible to create the virtual account 4 and close the account with a time limit. In addition, when the user does not know that the money is saved in the account 22 with a term limit, a notification to that effect can be given, and the closing process of the account 22 with a term limit can be smoothly performed.

(Embodiment 4)
The information processing system according to Embodiment 4 relates to a transfer mode in which the transfer source and transfer destination are virtual accounts. Regarding the configuration of the information processing system in Embodiment 4, the same configurations as in Embodiments 1 and 2 are denoted by the same reference numerals, and detailed description thereof will be omitted.

In the fourth embodiment, a plurality of receiver accounts 2 can be set for transfers from a specific transferor in setting rules for the virtual account 4 . Also, as in the second embodiment, it is possible to make a transfer to another person's account or the like via the virtual account 4 using the receiver's account 2 as the transfer source.

FIG. 17 is a conceptual diagram showing a transfer mode according to the fourth embodiment. As shown in FIG. 17, in the fourth embodiment, by making a transfer from the transfer source virtual account 4a to the transfer destination virtual account 4b, these transfer between receiver accounts 2 corresponding to . A bank account 24 a , B bank account 25 a , C bank account 26 a , and D bank account 27 a are associated with the transfer source virtual account 4 a as the receiver account 2 . In addition, A bank account 24b, B bank account 25b, C bank account 26b, and D bank account 27b are associated as receiver accounts 2 with the transfer destination virtual account 4b.

Therefore, from any of A bank account 24a, B bank account 25a, C bank account 26a and D bank account 27a to any of A bank account 24b, B bank account 25b, C bank account 26b and D bank account 27b , remittance is performed from the transfer source virtual account 4a via the transfer destination virtual account 4b. Note that the accounts associated as the receiver account 2 are not limited to these accounts.

FIG. 18 is a flow chart showing the procedure of transfer processing. FIG. 19 is a conceptual diagram showing an example of the record layout of the fee table. The processing unit 10 of the server device 1, for example, like the process of step S64 in FIG. When the transfer information from the virtual account 4a is received, the transfer processing shown in FIG. 18 is performed.

A fee table shown in FIG. 19 is stored in the large-capacity storage unit 12, and the fees for transferring money from the account of the financial institution of the transfer source to the account of the financial institution of the transferee are stored. It should be noted that the amounts shown in the fee table are examples, and the amounts set in the actual financial institution may be stored as the fee table. may be defined in

The processing unit 10 of the server device 1 acquires the transfer information received by the second communication unit 14 as basic transfer information (S101). The basic transfer information includes the transfer source virtual account 4a, the account of the financial institution performing the transfer in the receiver account 2 corresponding to the transfer source virtual account 4a, the transfer destination information, the transfer amount, and the like. The processing unit 10 determines whether or not the payee is the virtual account 4 based on the basic transfer information (S102).

When the processing unit 10 determines that the transfer destination is not the virtual account 4 (S102: NO), the basic transfer information is selected from the receiver account 2 associated with the transfer source virtual account 4a according to the remittance rules. (S103), and the process ends. A system of a financial institution or the like that receives the basic transfer information performs transfer processing based on the basic transfer information.

When the processing unit 10 determines that the payee is the virtual account 4 (S102: YES), the processing unit 10 specifies the virtual account 4 as the payee virtual account 4b (S104). The processing unit 10 selects an account to be deposited from among the recipient accounts 2 associated with the transfer destination virtual account 4b based on the rules for receiving money set in the transfer destination virtual account 4b. It is determined as a candidate (S105).

Here, in the transfer destination virtual account 4b, if a single transfer destination is set according to the rules for the transfer from the owner of the transfer source virtual account 4a, only that transfer destination becomes a transfer destination candidate, In addition, when a plurality of payees are set by a rule, all of the set payees become payee candidates.

The processing unit 10 determines whether or not there are a plurality of payee candidates (S106). If the processing unit 10 determines that there are a plurality of payee candidates (S106: YES), it refers to the fee table shown in FIG. A transfer destination with the lowest fee for transfer from the designated account among the designated receiver accounts 2 is determined (S108).

For example, among the recipient accounts 2 of the transfer source virtual account 4a, the A bank account 24a is set as the transfer source, and the A bank account 24b (100 yen fee in FIG. 19) and the B bank account 25b in the transfer destination virtual account 4b (in FIG. 19, a fee of 250 yen) is set as a payee candidate, the A bank account 24b with a lower fee is determined as the payee.

When the processing unit 10 determines that there are not a plurality of payee candidates (S106: NO), the processing unit 10 determines the payee candidate as the payee (S108).

After determining the transfer destination, the processing unit 10 transmits changed transfer information including the determined transfer destination financial institution account and basic transfer information to the system of the financial institution, etc. related to the transfer source account ( S109), the process ends. The system of the financial institution or the like that receives the changed transfer information performs transfer processing based on the changed transfer information. As a result, the transfer from the transfer source virtual account 4a to the transfer destination virtual account 4b is carried out from the transfer source virtual account 4a to the transfer destination virtual account 4b. Transfer processing is performed.

According to the above configuration, when the transfer destination and the transfer source are the owners of the virtual account 4, the transfer is performed so that the fee for the transfer between the accounts of the financial institutions associated with the virtual account 4 becomes lower. be able to.

The embodiments disclosed this time are illustrative in all respects and should not be considered restrictive. The scope of the present disclosure is indicated by the scope of the claims rather than the meaning described above, and is intended to include all modifications within the scope and meaning equivalent to the scope of the claims. That is, the technical scope of the present disclosure also includes embodiments obtained by combining technical means appropriately modified within the scope of the claims.

1 server device (information processing device)
10 processing unit (reception unit, identification unit)
11 storage unit 11a processing program 12 large capacity storage unit (storage unit)
13 First communication unit (output unit)
14 Second communication unit 2 Beneficiary account 20, 24a, 24b A bank account 21, 25a, 25b B bank account 22 Expired account 23 Electronic money account 26a, 26b C bank account 27a, 27b D bank account 3 Terminal device 30 Control unit 31 Storage unit 31a Application program (computer program)
32 communication unit 33 input unit 34 display unit 4 virtual account 4a transfer source virtual account 4b transfer destination virtual account 40 basic information 41 rule table

Claims (4)

storing a virtual account without a savings function corresponding to an account with a savings function;
Receiving transfers from multiple transferees with the virtual account as the transfer destination,
identifying the account from the virtual account;
causing a computer to execute processing for performing transfer processing corresponding to the transfer to the specified account;
the account is a time-limited account that is closed after existing for a predetermined period of time;
to the computer;
To determine whether the deadline has arrived,
If it is determined that it has arrived, display a screen containing the closing deadline and balance and notify the recipient of the virtual account,
Accept the confirmation operation with the icon displayed on the screen along with the notification,
A transfer processing method for executing a process of closing the account when the confirmation operation is received. 2. The transfer processing method according to claim 1, wherein rules for associating each account with information identifying said transferor, or an amount, date and time, or keyword in said transfer processing are stored. a storage unit that stores a virtual account that does not have a savings function corresponding to an account that has a savings function;
a reception unit that receives transfers from a plurality of transferees whose transfer destination is the virtual account;
an identification unit that identifies the account from the virtual account;
an output unit that outputs information related to transfer processing corresponding to the transfer to the account specified by the specifying unit;
a judging unit for judging whether or not the deadline has been met, if the account is given a deadline to be closed after it has survived for a predetermined period of time;
a notification unit that displays a screen containing the closing deadline and the balance on the terminal device of the recipient of the virtual account when it is determined that it has arrived;
a reception unit that receives a confirmation operation at the terminal device with an icon displayed on the screen together with the notification;
and a closing unit that closes the account when the confirmation operation is received. to the computer,
storing a virtual account without a savings function corresponding to an account with a savings function;
Receiving transfers from multiple transferees with the virtual account as the transfer destination,
identifying the account from the virtual account;
Perform transfer processing corresponding to the transfer to the specified account
let the process run,
the account is a time-limited account that is closed after existing for a predetermined period of time;
to the computer;
To determine whether the deadline has arrived,
If it is determined that it has arrived, display a screen containing the closing deadline and balance and notify the recipient of the virtual account,
Accept the confirmation operation with the icon displayed on the screen along with the notification,
Closing the account when the confirmation operation is received
A computer program that causes a process to be performed.

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