JP7383664B2 - Information processing equipment, programs, and remittance methods. - Google Patents

Description

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

2. Description of the Related Art Conventionally, there has been known a technique for distributing guidance information for remittance processing and a URL to a web page for responding to the guidance information by e-mail or the like so that remittances can be easily made through the web page. An example of this type of technology is Patent Document 1. In Patent Document 1, a server sends a reminder email generated from the email address and phone number included in personal information stored in a database to a non-payer, and sends the non-payer a response page that can be accessed from a URL included in the reminder email. This describes a technology for executing online payment processing using a payment method selected by a financial institution with a computer on the financial institution side.

Japanese Patent Application Publication No. 2013-101443

Incidentally, in recent years, remittance methods have diversified to include bank transfers, ATM receipts, electronic money remittances, etc., and coordination of remittance methods between remittance sources and remittance destinations has become complicated.

The present invention has been made in view of these circumstances, and aims to provide an information processing device, a program, and a remittance method that can more easily adjust the remittance method between the remittance source and the remittance destination. purpose.

(1) In order to achieve the above object, an information processing device according to one aspect of the present invention includes a request information acquisition unit that acquires remittance request information including at least remittance information from a remittance source to a remittance destination and destination information of the remittance destination. , a selection processing unit that executes a process of displaying an input form on a remittance destination terminal for inputting answer information regarding the remittance method based on the destination information; A remittance processing unit that executes remittance processing of electronic money to a remittance destination based on the response information upon receiving the response information.

(2) In the information processing device according to one aspect of the present invention, the remittance processing unit calculates the remittance amount included in the remittance request information from the balance of funds of the remittance source when the request information acquisition unit acquires the remittance request information. Execute balance processing to be deducted.

(3) In the information processing device according to one aspect of the present invention, when the balance of funds becomes negative due to the balance processing, the remittance processing unit outputs predetermined notification information instead of the processing of transmitting the electronic money. .

(4) In the information processing device according to one aspect of the present invention, when the remittance processing unit receives the reply information in which bank transfer is selected as the remittance method, the remittance processing unit transfers the money to the account designated as the destination based on the reply information. Execute the transfer process to make a bank transfer.

(5) In the information processing device according to one aspect of the present invention, the remittance processing unit outputs an error notification when receiving error information due to inability to remit from a bank system during a remittance process.

(6) In the information processing device according to one aspect of the present invention, the request information acquisition unit may perform the last processing in a series of processes from the time when the remittance request information is acquired until the remittance to the remittance destination is completed. an information management unit that acquires status information that is information based on a processing result and outputs the acquired status information to a storage device, and when the information management unit acquires a request to output the status information, the information management unit A process of acquiring and outputting the status information stored from the storage device is executed.

(7) In the information processing device according to one aspect of the present invention, the remittance request information includes a plurality of the remittance information and the destination information.

According to the present invention, it is possible to provide an information processing device, a program, and a remittance method that can more easily adjust remittance methods between a remittance source and a remittance destination.

1 is a schematic diagram showing a remittance system to which a management server according to an embodiment of the present invention is applied. 1 is a block diagram showing a hardware configuration of a management server according to an embodiment of the present invention. FIG. 1 is a functional block diagram showing part of the functional configuration of a management server according to an embodiment of the present invention. FIG. It is a schematic diagram which shows an example of the text of the SMS mail in SMS remittance processing based on one Embodiment of this invention. FIG. 3 is a schematic diagram showing an example of an input screen for answer information according to an embodiment of the present invention. It is a flowchart which shows an example of SMS output processing of SMS remittance processing concerning one embodiment of the present invention. It is a flowchart which shows an example of remittance processing of SMS remittance processing concerning one embodiment of the present invention.

Hereinafter, a remittance system S according to an embodiment of the present invention will be described using FIG. 1. FIG. 1 is a schematic diagram showing a remittance system S to which a management server 10 according to the present invention is applied. In addition, the remittance object in the remittance processing by the remittance system S in this specification refers not only to legal currency, but also to money such as electronic money, crypto currency, or things that have the same function as money such as points. The mode is not particularly limited.

The remittance system S according to this embodiment includes a remittance source terminal 1, a receiving terminal 2, a management server 10, and a national bank data communication system (hereinafter referred to as the Zengin system) G. The management server 10 is connected to the remittance source terminal 1, the receiving terminal 2, and the Zengin system G via a network N such as the Internet.

The remittance source terminal 1 is a computer operated by a remitter who is a remittance source and performs remittance in this embodiment. The remittance source terminal 1 is, for example, a stationary computer such as a desktop computer, or a portable computer such as a smartphone or tablet. The remittance source terminal 1 accesses the management server 10 through the operation of the remitter and outputs various processing instructions. Further, there is no particular restriction on the number of remittance source terminals 1, and the remittance system S may include n remittance source terminals 1 (n is any natural number). In the following description, the n remittance source terminals 1 will be simply referred to as "remittance source terminals 1" without any particular distinction, with the alphabet at the end of the code omitted.

The receiving terminal 2 is a computer operated by a recipient who is a remittance destination and receives a remittance target sent by a remitter. The receiving terminal 2 is, for example, a stationary computer such as a desktop computer, or a portable computer such as a smartphone or tablet. The receiving terminal 2 accesses the management server 10 through the recipient's operation and outputs various processing instructions. Further, there is no particular restriction on the number of receiving terminals 2, and the remittance system S may include n receiving terminals 2 (n is any natural number). In the following description, the n receiving terminals 2 will be simply referred to as "receiving terminals 2" without making any particular distinction and omitting the alphabet at the end of the code.

The management server 10 is a computer that implements a remittance system S that executes SMS remittance processing, which is remittance processing using SMS (Short Message Service). The SMS remittance process is a process in which the management server 10 inquires of the recipient for response information via an SMS mail message, and transfers money to the recipient based on the obtained response information.

The management server 10 is provided with an input website and a management website, as shown in FIG. The input website is a website for inputting information necessary for remittance processing. For example, the input website includes a request input screen for remittance request information and an answer input screen for response information, which will be described later. The management website is a website used by the administrator of the management server 10 to perform operations related to the management of the remittance system S. The management server 10 is also provided with a database that stores various data related to the remittance system S, such as user data, account information, and remittance management information.

The user data is, for example, data regarding users who are registered to receive various services provided by the management server 10, and is used for personal authentication and the like. The account information includes, for example, the financial institution name, branch name, deposit type, account number, account name, etc. of the user's account registered in the management server 10. The management server 10 can select a remittance destination account and a remittance source account based on account information. The remittance management information is, for example, status information indicating which of the processing steps the remittance process is in. Details of the status information and the like will be described later.

Zengin System G is a system that uses communication technology to transfer money between different financial institutions. Zengin System G is operated by the National Bank Fund Settlement Network (hereinafter referred to as Zengin Network). The Zengin system G according to the present embodiment includes a Zengin host computer (not shown) that performs processing for remittance, as well as a bank API in the bank system as a financial institution and a system for managing bank accounts. In the Zengin System G, remittances can be made between different financial institutions by sending Zengin data containing information such as the transfer source, transfer destination, and transfer amount to the Zengin host computer. The management server 10 according to this embodiment generates and sends Zengin data during remittance processing, which will be described later.

The network N is realized by, for example, the Internet, a LAN (Local Area Network), a mobile phone network, or a combination of these.

<Management server>
Next, an example of the management server 10 will be described. FIG. 2 is a block diagram showing the hardware configuration of the management server 10 according to an embodiment of the present invention.

As shown in FIG. 2, the management server 10 includes a CPU (Central Processing Unit) 11, a ROM (Read Only Memory) 12, a RAM (Random Access Memory) 13, an input unit 14, an output unit 15, and a memory. The device includes a section 16, a communication section 17, a power supply section 18, a bus 19, and an input/output interface 20.

The CPU 11 executes various processes based on programs recorded in the ROM 12 or programs loaded into the RAM 13 from the storage unit 16. In addition to such programs, the RAM 13 also appropriately stores data necessary for the CPU 11 to execute various processes.

The CPU 11, ROM 12, and RAM 13 are interconnected via a bus 19. An input/output interface 20 is also connected to this bus 19. An input section 14 , an output section 15 , a storage section 16 , a communication section 17 , and a power supply section 18 are connected to the input/output interface 20 .

The input unit 14 is composed of a keyboard, a mouse, etc., and inputs various information according to user's instruction operations.

The output unit 15 is configured with a liquid crystal display or the like, and outputs images and videos corresponding to the image data and video data output by the CPU 11.

The storage unit 16 is composed of a semiconductor memory such as a DRAM (Dynamic Random Access Memory), and stores various data. In the remittance system S according to this embodiment, the storage unit 16 is provided with a database that stores user account information, account balance information, and the like.

The communication unit 17 is a device that allows the CPU 11 to communicate with other devices (for example, the remittance source terminal 1, the receiving terminal 2, and the Zengin System G) via the network N.

The power supply section 18 is configured to be able to supply power to each section of the management server 10 by being connected to an external power supply.

Next, the functional configuration of the management server 10 will be explained using FIG. 3. FIG. 3 is a functional block diagram showing a functional configuration for executing SMS remittance processing among the functional configurations of the management server 10 in FIG. 2.

First, each functional block that executes SMS remittance processing of the management server 10 will be explained. As shown in FIG. 3, the control unit 30 of this embodiment includes a communication processing unit 31, an output processing unit 32, an input processing unit 33, a request information acquisition unit 34, a selection processing unit 35, and a remittance processing unit. 36 and an information management section 37.

The communication processing unit 31 performs processing for communicating with external equipment. For example, when the communication unit 17 receives input data to the input website from the remittance source terminal 1, the communication processing unit 31 transmits the received input data to the request information acquisition unit 34, which will be described later.

The output processing unit 32 controls displaying an image on the screen of the output unit 15. For example, the output processing unit 32 controls displaying the screen of the management website stored in the storage unit 16 on the screen of the output unit 15. Thereby, the screen of the management website is displayed on the screen of the output unit 15 of the management server 10, and can be viewed by the administrator of the management server 10, etc.

The input processing unit 33 executes processing for accepting operations input by the administrator of the management server 10 or the like into the input unit 14 . For example, the input processing unit 33 accepts an input operation by an administrator to the input unit 14 for managing the remittance system S and performing SMS remittance processing to be described later.

The request information acquisition unit 34 executes an input screen output process for outputting a request input screen for inputting remittance request information and a request information acquisition process for acquiring remittance request information. The remittance request information includes the sender's customer number, the recipient's name and amount as remittance information, and the recipient's telephone number as destination information. The customer number is a number generated when the remitter registers with the remittance system S, and is a number associated with the remitter. The management server 10 according to the present embodiment can search a database for remitter's account information and the like based on the customer number included in the acquired remittance request information.

In the remittance system S according to the present embodiment, information regarding the user's account is stored on the database of the storage unit 16 of the management server 10, and by referring to the database based on the customer management number, information regarding the remittance source account of the remitter is stored. Information can be obtained. Thereby, in the remittance system S according to this embodiment, remittance processing is performed by inputting the minimum necessary information.

In this embodiment, the remittance request information is generated by being input by the remitter based on the request input screen output by the request information acquisition section 34, and is acquired by the request information acquisition section 34. Note that the method for acquiring remittance request information by the request information acquisition unit 34 is not limited to this. The management server 10 of the remittance system S according to this embodiment has a dedicated API (Application Programming Interface). The dedicated API is an interface provided in the management server 10 that allows input of application information provided by the remittance system S.

As shown in FIG. 1, the remittance source terminal 1 can communicate with the management server 10 via the network N, and can access the management server 10 via a dedicated API. That is, the request information acquisition unit 34 of the management server 10 may acquire remittance request information via a dedicated API. Further, the request information acquisition unit 34 of the management server 10 may acquire remittance request information by acquiring a CSV file or the like in which remittance information is input all at once.

The selection processing unit 35 executes inquiry SMS processing, error notification SMS processing, response screen output processing, and response information acquisition processing. The inquiry SMS process is a process that generates an SMS email for inquiring the recipient about how to receive the remittance. For example, the selection processing unit 35 generates an SMS mail as shown in FIG. FIG. 4 is a schematic diagram showing an example of the text of an SMS mail in SMS remittance processing according to an embodiment of the present invention. The SMS email generated by this process includes a remittance notification, an inquiry message regarding how to receive the remittance, and a link to an answer input screen.

The error notification SMS process is a process that generates an SMS email requesting re-input of response information when a remittance error or unsupported error occurs during remittance processing. A remittance error is an error that occurs when, for example, the balance of the remittance source account is insufficient. The unsupported error is an error that occurs when, for example, the financial institution designated as the destination of remittance is not compatible with the remittance system S according to the present embodiment. The SMS email generated by this process includes information about the error, a re-input request notification, and a link to the answer input screen. Further, in this embodiment, it is possible to set a fixed text in advance on the management website, and it is possible to generate an SMS mail more easily.

The answer screen output process is a process that outputs an answer input screen that can be accessed from the URL written in the SMS email generated by the inquiry SMS process. A format for inputting answer information is displayed on the answer screen. That is, the selection processing unit 35 executes a process of displaying, on the terminal of the remittance destination, an input format for inputting answer information regarding the remittance method based on the destination information. The input format is a format that requires the input of information necessary for a remittance request, and is displayed on the response input screen within the input website as shown in FIG. FIG. 5 is a schematic diagram showing an example of an input screen for answer information according to an embodiment of the present invention.

In the example of FIG. 5, the response input screen displays, for example, a receiving method selection, authentication information input, account name (kana), bank name, branch name, account number, and remittance execution button from the top. There are several options for receiving the money: bank account, app, and ATM (Automated Teller Machine). The bank account is identified from the account name (kana), bank name, branch name, and account number entered on the answer input screen.

The application is an application program that can manage electronic money provided by the remittance system S according to the present embodiment. Remittances are received through the app using electronic money provided by the remittance system S. Specific processing will be described later.

The ATM referred to here is a predetermined ATM that cooperates with the remittance system S. A predetermined ATM allows cash withdrawal by inputting a password etc. issued for remittance by the remittance system S. For example, if ATM is selected, the management server 10 outputs to the receiving terminal 2 a password for withdrawing money from the ATM.

The response information acquisition process is a process of acquiring response information input by the receiving terminal 2 via the response input screen and selecting a remittance method based on the acquired response information. That is, the selection processing unit 35 of the management server 10 acquires the response information and selects the remittance selection method when the remittance execution button is pressed with the response information for the items shown in FIG. Execute the processing to be performed.

The remittance processing unit 36 performs remittance-related processing such as balance processing and remittance processing. Balance processing is a process in which, when remittance request information is obtained, the balance information managed on the database is reduced in accordance with the request details. The management server 10 according to the present embodiment manages remittance funds of users who use the remittance system S for each user on a database in the storage unit 16 of the management server 10. For this reason, the management server 10 reduces the balance information on the database before actually executing the remittance process, so it can be confirmed whether the balance is insufficient before the process. Further, the remittance processing unit 36 reflects the information on the balance information for each user managed on the database when executing balance processing.

The remittance process is a process of remitting money using the Zengin System G via the bank API based on the response information. For example, when the remittance processing unit 36 acquires the response information input by the recipient on the response input screen, it generates Zengin data based on the response information when executing the remittance process, and instructs the communication processing unit 31 to 17 to transmit the Zengin data to the Zengin System G. Zengin data is information necessary for processing remittances between different financial institutions on the Zengin host computer. The Zengin data includes, for example, information such as the transfer holder, transfer date, financial institution code, branch code, account number, account number, account holder, and amount.

In Zengin System G, remittances can be executed between different financial institutions by sending Zengin data as described above. In this way, the remittance processing unit 36 completes the remittance processing. The Zengin System G sends a remittance completion notification to the management server 10 when the remittance is completed, and sends error information when the remittance cannot be made due to insufficient balance or the like. In this case, when the communication processing unit 31 receives notification and information from the Zengin System G, the selection processing unit 35 instructs the communication processing unit 31 to display an error notification and a re-input screen via the communication unit 17. Then, the recipient is prompted to input again.

If the remittance method is electronic money, the remittance processing unit 36 uses the Zengin System G via the bank API to transfer money from the sender's remittance source account to the account of the administrator of the remittance system S based on the response information. Perform the process of transferring funds. The management server 10 executes a process of generating electronic money corresponding to the transferred funds and transmitting it to the receiving terminal 2.

The information management unit 37 of the management server 10 also executes management processing of user permission ID information, user authentication processing, management processing of user usage status, and status management processing. In the management process of user permission ID information, the information management unit 37 stores permission ID information of users who can access services provided by the remittance system S, such as an input website and a management website, in the database of the storage unit 16. Memorable.

In addition, in the user authentication process, when the user accesses the input website, the information management unit 37 compares the ID information of the accessing user with a plurality of permission ID information stored in advance in the database, and If there is permission ID information that matches the ID information of , the access user is permitted to access the input website. Note that in this embodiment, when accessing from a URL attached to an SMS email, the accessing user is not authenticated at the time of access, but authentication information is input into the response input screen to perform authentication. However, the authentication method is not limited to this.

In addition, in the user usage management process, the information management unit 37 can acquire the user information of the user, and stores ID information, which is the acquired user information, in the database of the storage unit 16.

Further, the information management unit 37 of the management server 10 according to the present embodiment is capable of executing a person authentication process for authenticating the recipient of the SMS mail destination, in addition to the above-described authentication process. The personal authentication process is a process of authenticating by comparing the authentication information inputted in the response information by the information management unit 37 with the authentication information shared in advance by the remitter and the recipient. For example, if a preset keyword is predetermined and registered by the remitter and recipient as authentication information, the information management unit 37 performs authentication by comparing the authentication information input when obtaining response information with the preregistered authentication information. conduct. This can prevent erroneous remittances if the number is entered incorrectly and the remittance is sent to a different terminal than the remittance destination.

However, the authentication method is not limited to this. For example, the information management unit 37 of the management server 10 may perform authentication by comparing authentication information notified from an external authentication server with authentication information received from the user via SMS mail.

The status management process manages the above-mentioned status information indicating the progress information of the remittance process. That is, the remittance processing unit 36 manages the progress of the remittance processing by updating the status information stored in the database of the storage unit 16 according to the status of the remittance processing. The status information includes, for example, SMS completed, SMS not received, URL expired, remittance completed, and remittance error.

SMS completed is the status at the timing when the selection processing unit 35 outputs the SMS mail. SMS undelivered is a status when delivery confirmation of the SMS mail has not been obtained after a predetermined period has elapsed since the selection processing unit 35 outputs the SMS mail. URL expiration is a status when the time limit set for the URL written in the SMS email has passed. The management server 10 according to the present embodiment is configured to output a notification to the receiving terminal 2 when the status information indicates that the URL has expired.

Remittance completed is the status at the timing when the remittance processing unit 36 receives the remittance completion notification from the Zengin System G. The remittance error is a status at the timing when the remittance processing unit 36 receives error information from the Zengin System G. The management server 10 according to the present embodiment is configured to output a notification to the receiving terminal 2 when the status information indicates a remittance error. Moreover, the status information is not limited to the above-mentioned status, but can be set according to the purpose.

Furthermore, in the management server 10 according to the present embodiment, status information is managed for each remittance case. Further, the remittance processing section 36 performs a process of outputting status information in response to an instruction from an external source such as the remittance source terminal 1 or an instruction inputted to the input section 14 . For example, the remittance processing unit 36 executes a process of outputting a list of transmission items associated with the remitter on the screen of the remittance source terminal 1. Further, the remittance processing unit 36 executes a process of outputting remittance cases corresponding to the search conditions on the screen of the remittance source terminal 1 in response to a search command from the remittance source terminal 1 . Thereby, for example, the progress of the remittance process can be confirmed on the remittance source terminal 1.

Next, SMS remittance processing by the management server 10 according to this embodiment will be explained using FIG. 1. The SMS remittance process is a remittance process that is performed based on the answer to the inquiry made to the recipient of the remittance via SMS mail as described above.

Specifically, first, the management server 10 receives an input of remittance request information including recipient's telephone number information from the remittance source terminal 1. Next, the management server 10 generates an SMS mail based on the telephone number included in the remittance request information and sends it to the receiving terminal 2. Next, the management server 10 is accessed from the receiving terminal 2 that clicks on the URL written in the sent SMS mail. Next, the management server 10 obtains the answer information input by the recipient into the input website. Next, the management server 10 performs remittance processing based on the obtained response information.

As described above, the management server 10 performs SMS remittance processing. Below, the SMS remittance processing by the management server 10 according to the present embodiment will be explained in more detail using a flowchart.

<SMS remittance processing>
The operation in the SMS remittance process executed by the remittance system S according to this embodiment will be explained using FIGS. 6 and 7. FIG. 6 is a flowchart showing an example of SMS output processing of the SMS remittance processing according to an embodiment of the present invention. FIG. 7 is a flowchart showing an example of remittance processing of the SMS remittance processing according to an embodiment of the present invention.

In this embodiment, the SMS remittance process includes an SMS output process and a remittance process. First, the SMS output processing will be explained. The SMS output process is executed at the timing when the request input screen of the input website of the management server 10 is accessed from the remittance source terminal 1 operated by the remitter.

First, the request information acquisition unit 34 instructs the communication processing unit 31 to output a request input screen to the remittance source terminal 1 via the communication unit 17 (step S10). Next, the request information acquisition unit 34 checks whether the communication processing unit 31 has received the acquisition of remittance request information regarding remittance via the communication unit 17 (step S11).

If the communication processing unit 31 accepts the acquisition of remittance request information (step S11: YES), the remittance processing unit 36 reduces the balance information managed on the database of the storage unit 16 based on the acquired remittance request information. Processing is executed (step S12). Next, the selection processing section 35 generates an SMS mail based on the remittance request information, and instructs the communication processing section 31 to transmit the SMS mail to the receiving terminal 2 via the communication section 17 (step S13). , terminates the process.

At the receiving terminal 2, the input website of the management server 10 can be accessed by clicking the URL written in the SMS mail by the recipient who received the sent SMS mail. In the management server 10 according to the present embodiment, the operation of remittance processing starts at the timing when the receiving terminal 2 accesses the response input screen of the input website of the management server 10.

First, the selection processing section 35 instructs the communication processing section 31 to output an answer input screen to the receiving terminal 2 via the communication section 17 (step S20). Next, the remittance processing unit 36 checks whether the communication processing unit 31 has received the response information via the communication unit 17 (step S21).

If the communication processing unit 31 accepts the acquisition of the response information (step S21: YES), the remittance processing unit 36 generates Zengin data based on the acquired remittance request information and response information, and instructs the communication processing unit 31 to Then, a process of transmitting the Zengin data to the Zengin System G via the communication unit 17 is executed. In the example of FIG. 7, the description will be made assuming that electronic money is selected as the receiving method. The remittance processing unit 36 generates electronic money corresponding to the remittance amount, and instructs the communication processing unit 31 to perform a process of transmitting the electronic money to the receiving terminal 2 via the communication unit 17 (step S22).

Next, the remittance processing unit 36 checks whether the communication processing unit 31 has received a remittance error notification or the like from the Zengin System G via the communication unit 17 (step S23). When the communication processing unit 31 receives the remittance error notification etc. (step S23: YES), the remittance processing unit 36 instructs the communication processing unit 31 to send the remittance error notification to the receiving terminal 2 via the communication unit 17. An SMS email containing the link destination of the re-input screen is generated and sent (step S24), and the process proceeds to step S21. On the other hand, if the communication processing unit 31 does not receive the remittance error notification etc. (step S23: NO), the remittance processing unit 36 records the completion of the remittance in the remittance details in the database of the storage unit 16 (step S25). , terminates the process. That is, in the remittance system S according to the present embodiment, the completion of remittance is recorded in the history of details on the basis of the remittance completion date.

As described above, the management server 10 according to the present embodiment includes a request information acquisition unit 34 that acquires remittance request information including at least remittance information from a remitter to a recipient and recipient's destination information, and a remittance method based on the destination information. When the receiving terminal 2 receives answer information in which electronic money is selected as the remittance method, the selection processing unit 35 executes a process of displaying an input form on the receiving terminal 2 for inputting answer information regarding the remittance method. A remittance processing unit 36 that executes remittance processing of electronic money to a recipient is provided.

This makes it possible to more easily adjust the remittance processing method between the sender and receiver.

Further, the remittance processing unit 36 executes balance processing in which the remittance amount included in the remittance request information is subtracted from the balance of the sender's funds when the request information acquisition unit 34 acquires the remittance request information.

As a result, even if request information for remittance processing that exceeds the balance is input at one time, the management server 10 can notice that the funds will be insufficient in balance before processing the remittance, and the remitter can can be accommodated.

Furthermore, when the balance of funds becomes negative due to balance processing, the remittance processing unit 36 outputs predetermined notification information instead of processing to transmit electronic money.

As a result, the sender can notice the lack of funds at an earlier timing, and can take appropriate action.

Further, upon receiving the response information in which bank transfer is selected as the remittance method, the remittance processing unit 36 executes a transfer process to transfer the bank transfer to the account specified by the recipient based on the response information.

Thereby, the sender can make a bank transfer by simply transmitting destination information to the management server 10, making the remittance process easier. In addition, the sender will be able to choose between at least electronic money transfer and bank transfer, allowing more flexibility in handling remittances to recipients.

Furthermore, when the remittance processing unit 36 receives error information due to the inability to remit from the bank system during the remittance process, it outputs an error notification.

This allows the sender to notice at an earlier timing that the remittance process has not been completed, and to take appropriate action.

In addition, the request information acquisition unit 34 acquires status information, which is information based on the result of the last process executed in a series of processes from the time the remittance request information is acquired until the remittance to the recipient is completed. , an information management unit 37 that outputs the acquired status information to a database; when the information management unit 37 acquires a request to output status information, the information management unit 37 executes a process of acquiring and outputting the stored status information from the database. .

This allows the sender to check the progress of the remittance process.

Furthermore, in the management server 10 according to an embodiment of the present invention, the remittance request information includes a plurality of pieces of remittance information and destination information.

Thereby, the management server 10 can include remittance information and destination information regarding a plurality of remittance processes in one remittance request information, and can reduce the time required for remittance requests.

[Modified example]
Although one embodiment of the present invention has been described above, the present invention is not limited to the above-described embodiment, and modifications, improvements, etc. within the range that can achieve the purpose of the present invention are included in the present invention. It is. For example, the above-described embodiment can be modified to provide modified examples as exemplified below.

Note that, although the management server 10 according to the present embodiment starts balance processing after obtaining and confirming remittance request information in the SMS output processing of FIG. 6, the present invention is not limited to this. For example, after acquiring the remittance request information, the management server 10 may perform an approval process in which an approval process screen for the remittance request is output to an approver terminal operated by a pre-registered approver. In this case, the management server 10 may start balance processing when the processing result determined based on the approval processing screen and transmitted from the approver terminal is approval. Furthermore, the number of approvers in the approval process of the management server 10 is not limited to one, but can be set to a plurality of approvers.

Further, in the remittance processing according to the present embodiment, after acquiring the remittance request information, a URL is attached to the SMS mail and sent to the telephone number as the destination information, but the present invention is not limited to this. For example, the means for sending the URL attached may be e-mail, MMS (Multimedia Messaging Service) mail, or SNS message. Note that if the means for transmitting with a URL attached is an e-mail, the destination information is an e-mail address instead of a telephone number.

In addition, the functional configuration in this embodiment is realized by a processor that executes arithmetic processing, and processors that can be used in this embodiment include various processing units such as a single processor, a multiprocessor, and a multicore processor. In addition to those described above, the present invention includes those in which these various processing devices are combined with processing circuits such as ASIC (Application Specific Integrated Circuit) and FPGA (Field-Programmable Gate Array).

For example, the series of processes described above can be executed by hardware or software. In other words, the functional configuration in FIG. 3 and its description are merely examples and are not particularly limiting. That is, it is sufficient that the system has a function that can execute the series of processes described above as a whole, and the type of functional block used to implement this function is not particularly limited to the example shown in FIG. 3. Furthermore, the locations of the functional blocks are not particularly limited to those shown in FIGS. 2 and 3, and may be arbitrary. Further, one functional block may be configured by a single piece of hardware, a single piece of software, or a combination thereof.

When a series of processes is executed by software, a program constituting the software is installed on a computer or the like from a network or a recording medium. The computer may be a computer built into dedicated hardware. Further, the computer may be a computer that can execute various functions by installing various programs, such as a server, a general-purpose smartphone, or a personal computer.

Recording media containing such programs not only consist of removable media (not shown) that is distributed separately from the main body of the device in order to provide programs to users, etc., but also those that are pre-installed in the main body of the device and are distributed to users. It consists of recording media etc. provided to etc.

Note that in this specification, the step of writing a program to be recorded on a recording medium is not only a process that is performed chronologically in accordance with the order, but also a process that is not necessarily performed chronologically but in parallel or individually. It also includes the processing to be executed.

Furthermore, in this specification, the term system refers to an overall device composed of a plurality of devices, a plurality of means, and the like.

2 Receiving terminal 10 Management server 34 Request information acquisition section 35 Selection processing section 36 Remittance processing section

Claims (8)

a request information acquisition unit that acquires remittance request information including at least remittance information from the remittance source to the remittee destination and destination information of the remittance destination from the remittance source terminal;
a selection processing unit that executes a process of displaying on a remittance destination terminal an input form for inputting answer information regarding the remittance method based on the destination information;
a remittance processing unit that, upon receiving the response information in which electronic money is selected as the remittance method at the remittance destination terminal, executes a remittance process of electronic money to the remittance destination based on the response information;
Equipped with
The remittance request information includes a plurality of remittance information and destination information,
Information processing device. The remittance processing unit subtracts the remittance amount included in the remittance request information from the balance indicated by the remittance source's balance information managed by the information processing device when the request information acquisition unit acquires the remittance request information. The information processing device according to claim 1, which executes balance processing. The information processing apparatus according to claim 2, wherein the remittance processing unit outputs predetermined notification information instead of the process of transmitting the electronic money when the balance indicated by the balance information becomes negative due to the balance process. From claim 1, wherein the remittance processing unit, upon receiving the reply information in which bank transfer is selected as the remittance method, executes a remittance process of making a bank transfer to the account designated as the remittance destination based on the reply information. 3. The information processing device according to any one of 3. 5. The information processing apparatus according to claim 1, wherein the remittance processing unit outputs an error notification when receiving error information due to inability to remit from a bank system during remittance processing. Acquire status information that is information based on the result of a process executed last in a series of processes from when the remittance request information is acquired by the request information acquisition unit until the remittance to the remittance destination is completed. , comprising an information management unit that outputs the acquired status information to a storage device,
The information processing according to any one of claims 1 to 4, wherein, when the information management unit obtains a request to output the status information, the information management unit executes a process of obtaining and outputting the status information stored from the storage device. Device. In the information processing device,
a request information acquisition function for acquiring remittance request information including at least remittance information from the remittance source to the remittance destination and destination information of the remittance destination from the remittance source terminal;
a selection processing function that executes a process of displaying on a remittance destination terminal an input form for inputting answer information regarding the remittance method based on the destination information;
a remittance processing function that, when the remittance destination terminal receives the response information in which electronic money is selected as the remittance method, executes a remittance process of electronic money to the remittance destination based on the response information;
A program that executes
The remittance request information includes a plurality of remittance information and destination information,
program . A remittance method executed by an information processing device,
a request information acquisition step of acquiring remittance request information including at least remittance information from the remittance source to the remittance destination and destination information of the remittance destination from the remittance source terminal;
a selection processing step of displaying an input form on the remittance destination terminal for inputting answer information regarding the remittance method based on the destination information;
a remittance processing step of, upon receiving the response information in which electronic money is selected as the remittance method at the remittance destination terminal, executing a remittance process of electronic money to the remittance destination based on the response information;
including;
The remittance request information includes a plurality of remittance information and destination information,
Remittance method.

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