JP7326831B2 - Transfer program, transfer method and transfer server - Google Patents

Description

The present invention relates to a transfer program, a transfer method, a transfer server, and an information processing terminal.

Conventionally, a method is known in which a predetermined amount of money is transferred from a user's account to savings at predetermined intervals.

JP 2006-277761 A

However, with the above method, it may be difficult to automatically transfer money to an account for asset building. For example, if the user wants to transfer funds to an asset building account at a timing different from the set period, the user may need to perform the procedure manually.

One aspect aims at automatically transferring money to an account for asset building.

In one aspect, the transfer program causes the computer to perform processing for receiving payment information associated with the first account. The transfer program causes the computer to execute processing for determining whether discount information is included in the received payment information. When discount information is included, the transfer program causes the computer to execute processing of requesting the accounting system to transfer the discount amount corresponding to the discount information from the first account to the second account.

In one aspect, transfers to wealth accumulation accounts can be made automatically.

FIG. 1 is a diagram illustrating an example of a functional configuration of a transfer system according to an embodiment; FIG. 2 is a diagram illustrating an example of a functional configuration of an information processing terminal according to the embodiment; FIG. 3 is a diagram illustrating an example of a functional configuration of a transfer server according to the embodiment; FIG. 4 is a diagram showing an example of account information. FIG. 5 is a diagram showing an example of a screen displaying information on payment. FIG. 6 is a diagram showing an example of a screen showing that payment has been completed. FIG. 7 is a diagram showing an example of a screen for receiving selections regarding transfer. FIG. 8 is a diagram showing an example of a screen indicating that the transfer has been completed. FIG. 9 is a flow chart showing the flow of processing of the information processing terminal. FIG. 10 is a flow chart showing the processing flow of the transfer server. FIG. 11 is a diagram illustrating a hardware configuration example.

Embodiments of a transfer program, a transfer method, a transfer server, and an information processing terminal according to the present invention will be described below in detail with reference to the drawings. It should be noted that the present invention is not limited by these examples. Moreover, each embodiment can be appropriately combined within a range without contradiction.

[Function configuration]
A functional configuration of the transfer system according to the embodiment will be described with reference to FIG. FIG. 1 is a diagram illustrating an example of a functional configuration of a transfer system according to an embodiment; Here, as shown in FIG. 1 , the transfer system 1 has an information processing terminal 10 and a transfer server 20 .

Accounting system 30 connected to transfer server 20 manages first account 31 and second account 32 . The accounting system 30 performs processing such as deposits/withdrawals and transfers of accounts under management. In addition, the transfer server 20 can request the accounting system 30 to make a transfer.

Here, both the first account 31 and the second account 32 are assumed to be accounts of the user of the information processing terminal 10 . For example, it is assumed that the first account 31 is an account for withdrawal such as a credit card. On the other hand, the second account 32 is assumed to be an account for asset formation such as a savings account or a securities account.

A user can use the information processing terminal 10 to make a payment at a shopping site on the Web or at an actual store. The information processing terminal 10 transmits information on payment to the accounting system 30 and the like. Then, the settlement amount is withdrawn from the first account 31 . Note that the transfer server 20 may be part of the accounting system 30 .

When the user makes a payment using the information processing terminal 10, a predetermined amount may be discounted from the payment amount. Discounts may occur, for example, through the use of points and coupons, discounts by providers of goods or services to be paid for, and the like.

When the payment is made with the discounted amount, the information processing terminal 10 transmits discount information including the discounted amount to the transfer server 20 together with payment information regarding the payment. The payment information includes the account number of the withdrawal account, the purchased product, the pre-discount amount, the discount amount, and the like. The information processing terminal 10 may also transmit payment information including discount information to the accounting system 30 . In that case, the transfer server 20 can receive payment information via the accounting system 30 .

Upon receiving the payment information including the discount information, the transfer server 20 requests the accounting system 30 to transfer the discount amount corresponding to the discount information from the first account 31 to the second account 32 .

A functional configuration of the information processing terminal 10 will be described with reference to FIG. FIG. 2 is a diagram illustrating an example of a functional configuration of an information processing terminal according to the embodiment; As shown in FIG. 2, the information processing terminal 10 has a communication section 11, an input/output section 12, a storage section 13 and a control section .

The communication unit 11 is an interface for data communication with another device. For example, the communication unit 11 is a NIC (Network Interface Card). The input/output unit 12 is an input device such as a keyboard and a mouse, and an output device such as a display and a speaker. Further, for example, when the information processing terminal 10 is a smart phone, the input/output unit 12 may be a touch panel display.

The storage unit 13 is an example of a storage device that stores data, programs executed by the control unit 14, and the like, such as a hard disk and a memory.

The control unit 14 executes a program stored in an internal storage device using, for example, a CPU (Central Processing Unit), an MPU (Micro Processing Unit), a GPU (Graphics Processing Unit) or the like as a work area. It is realized by Also, the control unit 14 may be implemented by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). The controller 14 has a transmitter 141 and a display controller 142 .

When receiving an operation to confirm payment, the transmission unit 141 transmits payment information including information on the discount amount to the transfer server 20, thereby transferring the discount amount from the first account 31 to the second account 32. to the accounting system 30.

The display control unit 142 displays the information related to the payment associated with the first account 31 together with the discount amount. In addition, the display control unit 142 displays various screens according to user operations and processing results in the accounting system 30 . The payment associated with the first account 31 is, for example, the payment for which the first account 31 is specified as the withdrawal destination.

A functional configuration of the transfer server 20 will be described with reference to FIG. FIG. 3 is a diagram illustrating an example of a functional configuration of a transfer server according to the embodiment; As shown in FIG. 3 , the transfer server 20 has a communication section 21 , a storage section 23 and a control section 24 .

The communication unit 21 is an interface for data communication with another device. For example, the communication unit 21 is a NIC.

The storage unit 23 is an example of a storage device that stores data, programs executed by the control unit 24, and the like, such as a hard disk or memory. The storage unit 23 has account information 231 .

The account information 231 is information that associates first account information and second account information for each user. FIG. 4 is a diagram showing an example of account information. As shown in FIG. 4, the account information 231 includes the account number of the withdrawal account, the account number of the savings account, and the account number of the securities account for each user. Here, the withdrawal account is an example of the first account. Also, the savings account and the securities account are examples of the second account.

For example, in the first line of FIG. 4, the account number of the withdrawal account of the user "Hanako" is "001-1111111", the account number of the savings account is "002-2222222", and the account number of the securities account is "002-2222222". It shows that the account number is "003-3333333".

The control unit 24 is realized, for example, by executing a program stored in an internal storage device using a RAM as a work area by a CPU, MPU, GPU, or the like. Also, the control unit 24 may be implemented by an integrated circuit such as an ASIC or FPGA, for example. The control unit 24 has a receiving unit 241 , a determining unit 242 and a requesting unit 243 .

The receiving unit 241 receives payment information associated with the first account 31 . The receiving unit 241 may receive payment information from the information processing terminal 10 or may receive payment information via the accounting system 30 .

The determination unit 242 determines whether discount information is included in the received payment information. For example, the determination unit 242 determines whether or not the received payment information includes discount information for using points.

Also, even if the payment information does not include explicit discount information, the determination unit 242 may be able to determine that a discount has been applied. For example, when information on the fixed price of the product or service that has been settled is available, the determination unit 242 determines that a discount has been applied if the settlement amount is lower than the fixed price, and further regards the difference as the discount amount. good too. In this way, when the determining unit 242 determines that a discount has been applied, the requesting unit 243 performs the same processing as when it is determined that the discount information is included in the payment information.

When discount information is included, the request unit 243 requests the accounting system 30 to transfer the discount amount corresponding to the discount information from the first account 31 to the second account 32 . For example, the request unit 243 requests the accounting system 30 to transfer the discount amount corresponding to the number of points from the first account 31 to the second account 32 when discount information based on the use of points is included. In addition, the request unit 243 is not limited to the discount amount corresponding to the number of points. You can request it.

[Example of transfer processing]
An example of a screen displayed by the information processing terminal 10 will be shown to explain the flow of processing of the transfer system 1 as a whole. First, when the user uses the information processing terminal 10 to make a payment for a product or service, a screen displaying information on payment is displayed as shown in FIG. FIG. 5 is a diagram showing an example of a screen displaying information on payment.

FIG. 5 is an example of a screen displayed when the user attempts to purchase a "genuine leather sofa (three-seat)" sold for "150,000 yen". Also, FIG. 5 shows that the subtotal excluding tax is "145,000 yen" as a result of receiving a discount using "5,000pt" points owned by the user. Here, "1pt" shall correspond to "1 yen".

Further, FIG. 5 shows that the number of products is "1 point", the subtotal including tax is "156,600 yen", and the payment category is "one time". When the user presses the “purchase” button to confirm the payment, the information processing terminal 10 transmits the payment information to the accounting system 30 and the transfer server 20 . At this time, the information processing terminal 10 includes discount information indicating that the used points are "5,000 points" in the payment information.

When the payment is completed, the information processing terminal 10 displays a screen indicating that the payment has been completed. FIG. 6 is a diagram showing an example of a screen showing that payment has been completed. FIG. 6 displays the subtotal including tax, shipping fee, handling fee, etc., and further displays that the points to be used are "5,000 points". Here, when the user presses the "OK" button, the information processing terminal 10 displays a screen for accepting selections regarding transfer.

FIG. 7 is a diagram showing an example of a screen for receiving selections regarding transfer. As shown in FIG. 7, the information processing terminal 10 displays a message to the effect that the discount amount is "5,000 yen" and options for the transfer method. For example, the information processing terminal 10 has a button 121a labeled "save", a button 122b labeled "purchase securities", and a button "do nothing". Display labeled button 123c.

When the button 121a is pressed, the information processing terminal 10 transmits to the transfer server 20 a message requesting that "5,000 yen" be transferred from the withdrawal account to the savings account.

At this time, the transfer server 20 receives a request from the information processing terminal 10 and requests the accounting system 30 to transfer "5,000 yen" from the withdrawal account to the savings account. In other words, the request unit 243 of the transfer server 20 transfers the discount amount from the first account 31 to the second account 32 when the payment information includes discount information and there is a request from the information processing terminal of the user. The accounting system 30 is requested to perform transfer processing.

When the button 122b is pressed, the information processing terminal 10 transmits to the transfer server 20 a message requesting that "5,000 yen" be transferred from the withdrawal account to the securities account.

In this case, both the savings account and the securities account can be the second account 32 to which the transfer is made. Therefore, the requesting unit 243 requests the accounting system 30 to transfer the discount amount from the first account 31 to the second account 32 designated by the user's information processing terminal among the plurality of accounts.

Also, the request unit 243 can acquire the account number of each account by referring to the account information 231 . Here, according to the example of FIG. 4, the account number of the withdrawal account of the user "Hanako" is "001-1111111", and the account number of the savings account is "002-2222222". Therefore, for example, when the user of the information processing terminal 10 is "Hanako" and the button 121a is pressed, the request unit 243 transfers "5,000 yen" from the account with the account number "001-1111111" to the account number is "002-22222222".

Further, when the button 123c is pressed, the information processing terminal 10 terminates the process without transmitting a transfer request message to the transfer server 20 .

When the transfer request from the transfer server 20 is completed, the information processing terminal 10 displays a screen indicating that the transfer has been completed. FIG. 8 is a diagram showing an example of a screen indicating that the transfer has been completed. In the example of FIG. 8, the information processing terminal 10 displays that the transfer destination account is a savings account and that the transfer amount was "5,000 yen".

[Process flow]
The processing flow of the information processing terminal 10 will be described with reference to FIG. FIG. 9 is a flow chart showing the flow of processing of the information processing terminal. As shown in FIG. 9, the information processing terminal 10 first activates a predetermined application (step S101). Next, the information processing terminal 10 displays information regarding payment (step S102).

Then, when the information processing terminal 10 receives an operation to confirm the payment (step S103), it determines whether or not there is a discount in the payment (step S104). If there is no discount (step S104, No), the information processing terminal 10 transmits payment information to the transfer server 20 (step S105).

On the other hand, if there is a discount (step S104, Yes), the information processing terminal 10 includes the discount information in the payment information (step S106). Further, the information processing terminal 10 receives an input designating a transfer method from the user (step S107). The information processing terminal 10 then transmits the payment information including the discount information and the transfer request to the transfer server 20 (step S108).

The processing flow of the transfer server 20 will be described with reference to FIG. FIG. 10 is a flow chart showing the processing flow of the transfer server. As shown in FIG. 10, the transfer server 20 first receives payment information (step S201). Next, the transfer server 20 determines whether discount information is included in the payment information (step S202). If the payment information does not include discount information (step S202, No), the transfer server 20 terminates the process. On the other hand, if discount information is included in the payment information (step S202, Yes), the transfer server 20 requests the accounting system 30 to transfer (step S203).

[effect]
As described above, the transfer server 20 receives payment information associated with the first account 31 . The transfer server 20 determines whether discount information is included in the received payment information. When the discount information is included, the transfer server 20 requests the accounting system 30 to transfer the discount amount corresponding to the discount information from the first account 31 to the second account 32 . In this way, the transfer server 20 automatically requests a transfer in accordance with the occurrence of payment. Therefore, according to the embodiment, it is possible to automatically transfer money to an asset accumulation account. In addition, since the money is deposited into the asset accumulation account at the same time as the expense is incurred, according to the embodiment, it is possible to suppress the user's psychological burden of the expense.

The transfer server 20 determines whether or not the received payment information includes discount information obtained by using points. The transfer server 20 requests the accounting system 30 to transfer the discount amount corresponding to the number of points from the first account 31 to the second account 32 when the discount information by using points is included. In this manner, the transfer server 20 automatically requests transfer in accordance with the use of points. Therefore, according to the embodiment, it is possible to automatically transfer the points to the asset accumulation account at the timing of using the points.

The transfer server 20 performs a process of transferring the discount amount from the first account 31 to the second account 32 when the payment information includes discount information and when there is a request from the user's information processing terminal. Ask 30. As a result, the transfer can be performed according to the user's desire, and the convenience can be improved.

The transfer server 20 requests the accounting system 30 to transfer the discount amount from the first account 31 to the second account 32 designated by the user's information processing terminal among the plurality of accounts. This makes it possible to present a plurality of options to the user, thereby improving convenience.

The information processing terminal 10 displays information on settlement associated with the first account together with the discount amount. When receiving an operation to confirm payment, the information processing terminal 10 transmits payment information including information on the discount amount to the server, thereby transferring the discount amount from the first account 31 to the second account 32. A request is made to the accounting system 30. In this way, the information processing terminal 10 can automatically generate a trigger for requesting a transfer in accordance with the occurrence of payment. Therefore, according to the embodiment, it is possible to automatically transfer money to an asset accumulation account.

In the above embodiment, the transfer server 20 requests the accounting system 30 to transfer, but the information processing terminal 10 may also request the transfer. In the above embodiment, the transfer server 20 uses the discount amount as the transfer amount, but the transfer server 20 may use the amount specified by the user as the transfer amount.

[system]
Information including processing procedures, control procedures, specific names, and various data and parameters shown in the above documents and drawings can be arbitrarily changed unless otherwise specified. Further, the specific examples, distributions, numerical values, etc. described in the examples are only examples, and can be arbitrarily changed.

Also, each component of each device illustrated is functionally conceptual, and does not necessarily need to be physically configured as illustrated. That is, the specific forms of distribution and integration of each device are not limited to those shown in the drawings. That is, all or part of them can be functionally or physically distributed and integrated in arbitrary units according to various loads and usage conditions. Furthermore, all or any part of each processing function performed by each device can be implemented by a CPU and a program analyzed and executed by the CPU, or implemented as hardware based on wired logic.

[hardware]
FIG. 11 is a diagram illustrating a hardware configuration example. As shown in FIG. 11, the transfer server 20 has a communication interface 20a, a HDD (Hard Disk Drive) 20b, a memory 20c, and a processor 20d. 11 are interconnected by a bus or the like.

The communication interface 20a is a network interface card or the like, and communicates with other servers. The HDD 20b stores programs and DBs for operating the functions shown in FIG.

The processor 20d reads from the HDD 20b or the like a program that executes the same processing as each processing unit shown in FIG. 3 and develops it in the memory 20c, thereby operating the process of executing each function described with reference to FIG. 1 and the like. That is, this process executes the same function as each processing unit of transfer server 20 . Specifically, the processor 20d reads a program having functions similar to those of the receiving unit 241, the determining unit 242, and the requesting unit 243 from the HDD 20b or the like. Then, the processor 20d executes the same process as the receiving unit 241, the determining unit 242, the requesting unit 243, and the like. The processor 20d is, for example, a hardware circuit such as CPU, MPU, ASIC.

In this way, the transfer server 20 operates as an information processing device that executes a classification method by reading and executing a program. Alternatively, the transfer server 20 can read the program from the recording medium by the medium reading device, and execute the read program to realize the same functions as the above embodiment. Note that the programs referred to in this other embodiment are not limited to being executed by the transfer server 20 . For example, the present invention can be applied in the same way when another computer or server executes the program, or when they cooperate to execute the program.

This program can be distributed via a network such as the Internet. Also, this program is recorded on a computer-readable recording medium such as a hard disk, flexible disk (FD), CD-ROM, MO (Magneto-Optical disk), DVD (Digital Versatile Disc), etc., and is read from the recording medium by a computer. It can be executed by being read.

1 transfer system 10 information processing terminal 11, 21 communication unit 12 input/output unit 13, 23 storage unit 14, 24 control unit 20 transfer server 141 transmission unit 142 display control unit 231 account information 241 reception unit 242 determination unit 243 request unit

Claims (6)

to the computer,
receiving payment information associated with the first account;
determining whether discount information is included in the received payment information;
When the discount information is included , a message indicating a discount amount corresponding to the discount information and a plurality of options for transfer methods are displayed on the screen, and the discount amount is set to the first method based on the option selected from the plurality of options. Request the accounting system to transfer from the account of the second to the second account,
A transfer program characterized by executing processing. The determination processing includes determining whether the received payment information includes discount information by using points,
The requesting process requests the accounting system to transfer the discount amount corresponding to the number of points from the first account to the second account when discount information by using the points is included.
The transfer program according to claim 1, characterized by: The requesting process is a process of transferring the discount amount from the first account to the second account when the discount information is included in the payment information and a request is received from the user's information processing terminal. request the accounting system,
3. The transfer program according to claim 1 or 2, characterized by: The requesting process requests the accounting system to transfer the discount amount from the first account to the second account specified by the user's information processing terminal among the plurality of accounts.
4. The transfer program according to any one of claims 1 to 3, causing a process to be executed. the computer
receiving payment information associated with the first account;
determining whether discount information is included in the received payment information;
When the discount information is included , a message indicating a discount amount corresponding to the discount information and a plurality of options for transfer methods are displayed on the screen, and the discount amount is set to the first method based on the option selected from the plurality of options. Request the accounting system to transfer from the account of the second to the second account,
A transfer method characterized by executing processing. a receiving unit that receives payment information associated with the first account;
a determination unit that determines whether discount information is included in the received payment information;
When the discount information is included , a message indicating a discount amount corresponding to the discount information and a plurality of options for transfer methods are displayed on the screen, and the discount amount is set to the first method based on the option selected from the plurality of options. a requesting unit that requests the accounting system to process the transfer from the account of the first to the second account;
A transfer server characterized by having:

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