JP7427179B2 - Transfer management system, electronic money management device, electronic money management method, and program - Google Patents

Description

The present invention relates to a transfer management system, an electronic money management device, an electronic money management method, and a program, and particularly relates to a technique for linking virtual accounts and electronic money.

In recent years, payments using electronic money have become widely used. For example, Patent Document 1 discloses a technique for depositing money into a money terminal using an account at a financial institution.

Japanese Patent Application Publication No. 2006-53846

The above technology is based on the premise that the person making the transfer into a financial institution's account and the user using electronic money are the same person. Therefore, if the user of electronic money is different from the user of electronic money, such as when the user of electronic money is an employee and the person who makes the transfer to the account is the employee's employer, the transfer It becomes difficult for the user to deposit electronic money into the user's terminal. Therefore, it is thought that there is room for improvement in electronic money deposit processing.

The present invention has been made in view of these points, and it is an object of the present invention to provide an improved electronic money deposit process.

A first aspect of the present invention is a plurality of virtual accounts allocated to one real account as a transfer destination, and each of the plurality of virtual accounts has a plurality of users different from the owner of the real account. a virtual account management device that manages virtual accounts to which is assigned; and an electronic money management device that manages electronic money linked to each of the plurality of virtual accounts and used by users of each virtual account. This is a transfer management system that includes the following. In this system, the virtual account management device specifies one virtual account among the plurality of virtual accounts and sends a notification to the electronic money management device of transfer information indicating that a transfer has been made to the real account. The electronic money management device includes a communication unit that receives the transfer information from the virtual account management device, and, upon receiving the transfer information, sends electronic money in an amount corresponding to the transfer amount to the specified transfer amount. and a balance management unit that adds the balance of electronic money to the balance of electronic money linked to the virtual account that has been created and stores the balance of the electronic money in a storage unit.

The transfer information that the virtual account management device notifies the electronic money management device may include an account number of the specified virtual account, information indicating the name of the user of the virtual account, and a transfer amount. .

In response to a withdrawal from the virtual account, the balance management unit of the electronic money management device subtracts a fee corresponding to the withdrawal amount from the electronic money balance and stores the electronic money balance in a storage unit. It may be memorized.

A second aspect of the present invention is an electronic money management system that manages electronic money that is linked to each of a plurality of virtual accounts assigned to one real account that is a transfer destination, and that is used by users of each virtual account. It is a device. This device specifies one virtual account among the plurality of virtual accounts and receives a transfer to the real account from an account management device that manages one real account to which the plurality of virtual accounts are assigned. and, upon receiving the transfer information, add an amount of electronic money equivalent to the transfer amount to the electronic money balance linked to the specified virtual account. and a balance management section that stores the balance of the electronic money in a storage section.

A third aspect of the present invention is an electronic money management method. In this method, an electronic money management device that manages electronic money that is linked to each of a plurality of virtual accounts assigned to one real account that is a transfer destination, and that is used by a user of each virtual account. receive transfer information indicating that one virtual account among the plurality of virtual accounts has been designated and a transfer has been made to the real account from an account management device that manages one real account to which a virtual account has been assigned; and, upon receiving the transfer information, add an amount of electronic money equivalent to the transfer amount to the electronic money balance linked to the designated virtual account to calculate the electronic money balance. and storing the information in the storage unit.

The fourth aspect of the present invention is a program. This program is linked to each of the multiple virtual accounts assigned to one real account that is the transfer destination, and the computer that manages the electronic money used by the user of each virtual account is linked to each of the multiple virtual accounts. a function of specifying one virtual account among the plurality of virtual accounts and receiving transfer information indicating that a transfer has been made to the real account from an account management device that manages one real account to which the virtual account is assigned; , upon receiving the transfer information, add an amount of electronic money equivalent to the transfer amount to the electronic money balance linked to the designated virtual account, and store the electronic money balance in the storage unit. to realize the function of storing information in the memory.

In order to provide this program or to update a part of the program, a computer-readable recording medium recording this program may be provided, and this program may be transmitted over a communication line.

Note that arbitrary combinations of the above components and expressions of the present invention converted between methods, apparatuses, systems, computer programs, data structures, recording media, etc. are also effective as aspects of the present invention.

According to the present invention, electronic money deposit processing can be improved.

FIG. 1 is a diagram for explaining an overview of a transfer management system according to an embodiment. FIG. 1 is a diagram schematically showing the functional configurations of a virtual account management device and an electronic money management device according to an embodiment. FIG. 2 is a diagram schematically showing an example of a data structure of a management database according to an embodiment. FIG. 2 is a sequence diagram for explaining the flow of electronic money management processing executed in the transfer management system according to the embodiment.

<Overview of embodiment>
FIG. 1 is a diagram for explaining an overview of a transfer management system S according to an embodiment. An overview of the embodiment will be described below with reference to FIG.

The transfer management system S according to the embodiment is used, for example, to pay wages to employees of foreign nationality who do not have Japanese nationality. For foreign employees to open a bank account, the procedures may be complicated, and in some cases, it may be difficult to open a bank account. On the other hand, compared to opening a regular bank account, opening one or more virtual accounts linked to one bank account (hereinafter referred to as "virtual account V") is more convenient for foreign employees (hereinafter simply referred to as "virtual account V"). (written as "Employee U") is often easy. Hereinafter, in this specification, the bank account to which the virtual account is linked will be referred to as a "real account R."

In the example shown in FIG. 1, bank B is a bank that provides services for virtual account V in association with one real account R. Employee U has applied to bank B in advance to open a virtual account V. As with the real account R, the virtual account V provided by the bank B is issued with an account number for identifying the virtual account V. Note that in FIG. 1, only one virtual account V is labeled with a reference numeral to prevent it from becoming complicated and unclear. The same applies to electronic money M and employee U.

The transfer management system S according to the embodiment includes a virtual account management device 1, an electronic money management device 2, and a management database D. The virtual account management device 1 is a device that manages a plurality of virtual accounts V assigned to one real account R that is a transfer destination, and the electronic money management device 2 is a device that manages a plurality of virtual accounts V that are assigned to one real account R that is a transfer destination, and an electronic money management device 2 that is linked to each of the plurality of virtual accounts V. This is a device that manages electronic money M. Employees U, who are users different from the owner of the real account R, are assigned to each of the plurality of virtual accounts V. Further, the electronic money M is electronic money used by the employee U who is the user of each virtual account V. The management database D is a database for managing the correspondence between the virtual account V and the electronic money M and the balance of the electronic money M.

Employee U has previously declared to his employer the account number of the virtual account V that he has opened. The employer specifies the account number of the virtual account V and transfers the employee U's salary in the same way as transferring to a real account.

When the virtual account management device 1 detects that a transfer has been made to any virtual account V, the virtual account management device 1 notifies the electronic money management device 2 to that effect. Upon receiving the notification from the virtual account management device 1, the electronic money management device 2 links an amount of electronic money equivalent to the transfer amount to the virtual account without receiving any explicit operation from the employee U. It is managed by adding it to the electronic money balance. This allows employee U to immediately use the transfer from the employer in the form of electronic money. In addition, since the employer can specify the account number of virtual account V and pay the salary in the same way as a normal transfer to a real account, the employer can process the salary transfer to employee U without changing the existing system. be able to.

<Functional configuration of virtual account management device 1 and electronic money management device 2 according to embodiment>
FIG. 2 is a diagram schematically showing the functional configurations of the virtual account management device 1 and the electronic money management device 2 according to the embodiment. The virtual account management device 1 includes a communication section 10, a storage section 11, and a control section 12. Further, the electronic money management device 2 includes a communication section 20, a storage section 21, and a control section 22.

In FIG. 2, arrows indicate main data flows, and there may be data flows that are not shown in FIG. In FIG. 2, each functional block shows the configuration of a functional unit, not the configuration of a hardware (device) unit. Therefore, the functional blocks shown in FIG. 2 may be implemented within a single device, or may be implemented separately within multiple devices. Data may be exchanged between functional blocks via any means such as a data bus, a network, or a portable storage medium.

The communication unit 10 is a communication interface for the virtual account management device 1 to communicate with an external device such as the electronic money management device 2, and is realized by, for example, a known LAN (Local Area Network) module. Hereinafter, when each unit of the virtual account management device 1 communicates with an external device, the description of the communication unit 10 may be omitted on the premise that communication is via the communication unit 10.

The storage unit 11 includes a ROM (Read Only Memory) that stores the BIOS (Basic Input Output System) of the computer that implements the virtual account management device 1, a RAM (Random Access Memory) that serves as a work area for the virtual account management device 1, It is a large-capacity storage device such as an HDD (Hard Disk Drive) or an SSD (Solid State Drive) that stores an OS (Operating System), application programs, and various information that is referenced when the application programs are executed.

The control unit 12 is a processor such as a CPU (Central Processing Unit) or a GPU (Graphics Processing Unit) of the virtual account management device 1, and controls the transfer management unit 120 and the notification unit by executing a program stored in the storage unit 11. 121.

The communication unit 20 is a communication interface for the electronic money management device 2 to communicate with an external device such as the virtual account management device 1, and is realized by, for example, a known LAN module. Hereinafter, when each part of the electronic money management device 2 communicates with an external device, the description of the communication part 20 may be omitted on the premise that it is via the communication part 20.

The storage unit 21 includes a ROM that stores the BIOS of the computer that implements the electronic money management device 2, a RAM that serves as a work area for the virtual account management device 1, an OS, application programs, and a management database that is referenced when the application program is executed. It is a large capacity storage device such as an HDD or SSD that stores various information such as D. The control unit 22 is a processor such as a CPU or GPU of the electronic money management device 2, and functions as the balance management unit 220 by executing a program stored in the storage unit 21.

Note that FIG. 2 shows an example in which the virtual account management device 1 and the electronic money management device 2 are each configured as a single device. However, at least one of the virtual account management device 1 and the electronic money management device 2 may be realized by calculation resources such as a plurality of processors and memories, as in a cloud computing system, for example. In this case, each part constituting the control unit 12 or the control unit 22 is realized by executing a program by at least one of a plurality of different processors.

The transfer management unit 120 of the virtual account management device 1 manages a plurality of virtual accounts V assigned to each of a plurality of employees U. Specifically, the transfer management unit 120 manages the date, time and amount of transfer to each virtual account V. When a transfer is made to a real account R by designating one virtual account V among the plurality of virtual accounts V, the transfer management unit 120 notifies the notification unit 121 of this fact. The notification unit 121 of the virtual account management device 1 specifies one virtual account V among the plurality of virtual accounts V and notifies the electronic money management device 2 of transfer information indicating that a transfer has been made to the real account R. .

The communication unit 20 of the electronic money management device 2 receives transfer information from the virtual account management device 1. When the communication unit 20 receives the transfer information, the balance management unit 220 adds an amount of electronic money M corresponding to the transfer amount to the balance of the electronic money M linked to the designated virtual account V. Then, the balance of electronic money M is stored in the management database D in the storage section 21. As a result, when a transfer is made to the virtual account V, the employee U can use electronic money M in an amount equivalent to the transferred amount without taking any special procedures.

FIG. 3 is a diagram schematically showing an example of the data structure of the management database D according to the embodiment. The management database D is stored in the storage unit 21 of the electronic money management device 2 and managed by the balance management unit 220.

In the example of the management database D shown in FIG. 3, the management database D includes a virtual account number for identifying a virtual account V, and an electronic money identifier for identifying the electronic money M linked to the virtual account V. , a user identifier for identifying the employee U who is the user of the electronic money M, and detailed information for managing the balance of the electronic money M are stored in association with each other at least.

In the transfer management system S according to the embodiment, a person (for example, an employer of an employee U) who makes a transfer to a virtual account V has the account number of the virtual account V and the information of the employee U who uses the virtual account V. You can transfer money by specifying the name of the person. That is, a person who makes a transfer to a virtual account V can designate the name of the actual user of the virtual account V, rather than the name of the real account R linked to the virtual account V, and execute the transfer.

Therefore, the transfer information that the virtual account management device 1 notifies the electronic money management device 2 includes the account number of the specified virtual account V and the name of the employee U who is the actual user of the virtual account V. The information includes information indicating the information and detailed information. The detailed information is information that records the date of deposit or withdrawal of electronic money M, the deposited amount or withdrawal amount, and the balance of electronic money M in chronological order.

By referring to the management database D, the electronic money management device 2 can identify the electronic money M linked to the virtual account V when a transfer is made to the virtual account V. Thereby, the electronic money management device 2 can automatically charge the electronic money M with an amount equivalent to the amount transferred to the virtual account V without receiving an instruction from the employee U.

The transfer management system S according to the embodiment allows the transfer to be made by specifying the name of the employee U who is the actual user of the virtual account V, rather than the name of the real account R linked to the virtual account V. It is allowed. Therefore, a person making a transfer to the virtual account V can confirm not only the account number of the virtual account V but also the name of the actual user of the virtual account V, and can understand at a glance to whom the transfer is made. As a result, it is possible to improve the convenience of the person who transfers money to the virtual account V, and in turn, the process of depositing electronic money M can be improved.

In this way, when employee U, who is a user of virtual account V, receives a transfer to the virtual account V that he or she has opened, he or she can use electronic money M without having to take any explicit procedures. Although electronic money M is similar to currency, employee U may wish to use cash. In this case, the employee U can withdraw the balance of the electronic money M from an ATM (Automatic Teller Machine) of a bank affiliated with the electronic money service provided by the transfer management system S.

Here, when there is a withdrawal from the virtual account V, the balance management unit 220 of the electronic money management device 2 subtracts a fee corresponding to the withdrawal amount from the balance of the electronic money M and stores the balance of the electronic money. It may be stored in the management database D in the section 21. Thereby, the administrator of the transfer management system S can earn revenue as a fee for using the electronic money service.

<Processing flow of electronic money management method executed by virtual account management device 1>
FIG. 4 is a sequence diagram for explaining the flow of electronic money management processing executed in the transfer management system S according to the embodiment.

Employee U applies in advance to virtual account management device 1 to open a virtual account V (S2). Upon receiving the application from employee U, electronic money management device 2 opens a virtual account V for use by employee U (S4). The employee U notifies the employer of account information including the account number of the virtual account V that has been opened (S6).

The employer of employee U registers the virtual account V notified by employee U (S8). When the employer of the employee U transfers the salary to the employee U, the employer designates the account number of the virtual account V and the name of the employee U and deposits the money (S10).

The virtual account management device 1 notifies the virtual account management device 1 that money has been deposited into the virtual account V (S12). Specifically, the virtual account management device 1 specifies the virtual account V and notifies the electronic money management device 2 of transfer information indicating that a transfer has been made to the real account R. The electronic money management device 2 receives transfer information indicating that money has been deposited into the virtual account V from the virtual account management device 1 (S14).

Upon receiving the transfer information, the balance management unit 220 of the electronic money management device 2 transfers the amount of electronic money MR corresponding to the transfer amount to the balance of the electronic money M linked to the designated virtual account V. The balance of the electronic money M is managed by adding the balance to the management database D in the storage unit 21 and recording the balance of the electronic money M in the management database D in the storage unit 21 (S16).

In this way, even if the user of electronic money M and the person making the transfer to the virtual account V linked to electronic money M are different, the transfer management system S can act as an intermediary to transfer the electronic money. Users of M can immediately use electronic money M without any special procedures. As a result, the transfer management system S can improve the electronic money M deposit processing.

<Effects achieved by the transfer management system S according to the embodiment>
As explained above, according to the transfer management system S according to the embodiment, the deposit processing of electronic money M can be improved.

Furthermore, the present invention makes it possible to contribute to Goal 9 of the Sustainable Development Goals (SDGs) led by the United Nations, "Create a foundation for industry and technological innovation."

Although the present invention has been described above using the embodiments, the technical scope of the present invention is not limited to the scope described in the above embodiments, and various modifications and changes can be made within the scope of the gist. be. For example, all or part of the device can be functionally or physically distributed and integrated into arbitrary units. In addition, new embodiments created by arbitrary combinations of multiple embodiments are also included in the embodiments of the present invention. The effects of the new embodiment resulting from the combination have the effects of the original embodiment.

In the above, a case has been described in which the management database D is stored in the storage unit of the electronic money management device 2. However, the management database D may be stored in a storage device (not shown) independent of the electronic money management device 2.

1...Virtual account management device 10...Communication section 11...Storage section 12...Control section 120...Transfer management section 121...Notification section 2...Electronic money management device 20...・Communication department 21...Storage section 22...Control section 220...Balance management section D...Management database S...Transfer management system

Claims (6)

A plurality of virtual accounts are assigned to one real account as a transfer destination, and each of the plurality of virtual accounts is assigned a plurality of users different from the owner of the real account , and the user is different from the owner of the real account. a virtual account management device that manages virtual accounts that each user applied for and opened in advance and reported to the user's employer ;
A transfer management system comprising: an electronic money management device that manages electronic money linked to each of the plurality of virtual accounts and used by a user of each virtual account;
The virtual account management device includes:
comprising a notification unit that specifies one virtual account among the plurality of virtual accounts and notifies the electronic money management device of transfer information indicating that a transfer has been made to the real account;
The electronic money management device includes:
a communication unit that receives the transfer information from the virtual account management device;
Upon receiving the transfer information, add an amount of electronic money equivalent to the transfer amount to the electronic money balance linked to the specified virtual account without receiving an explicit instruction. and a balance management unit that stores the balance of electronic money in the storage unit.
Transfer management system. The transfer information that the virtual account management device notifies the electronic money management device includes the account number of the specified virtual account, information indicating the name of the user of the virtual account, and the transfer amount.
The transfer management system according to claim 1. In response to a withdrawal from the virtual account, the balance management unit of the electronic money management device subtracts a fee corresponding to the withdrawal amount from the electronic money balance and stores the electronic money balance in a storage unit. make me remember,
The transfer management system according to claim 1 or 2. A plurality of virtual accounts allocated to one real account that serves as a transfer destination, each of which is linked to a virtual account that each user of each virtual account has applied for and opened in advance and declared to the user's employer. An electronic money management device that manages electronic money used by each of the users,
Transfer information indicating that a transfer has been made to the real account by designating one virtual account among the plurality of virtual accounts from an account management device that manages one real account to which the plurality of virtual accounts are allocated. a communications department that receives the
Upon receiving the transfer information, add an amount of electronic money equivalent to the transfer amount to the electronic money balance linked to the specified virtual account without receiving an explicit instruction. and a balance management unit that stores the balance of electronic money in the storage unit.
Electronic money management device. Multiple virtual accounts assigned to one real account that serves as a transfer destination , each virtual account user has applied for and opened in advance, and is linked to each virtual account that has been declared to the user's employer. and an electronic money management device that manages the electronic money used by each of the users.
Transfer information indicating that a transfer has been made to the real account by specifying one virtual account among the plurality of virtual accounts from an account management device that manages one real account to which the plurality of virtual accounts are assigned. a step of receiving the
Upon receiving the transfer information, add an amount of electronic money equivalent to the transfer amount to the electronic money balance linked to the specified virtual account without receiving an explicit instruction. storing the electronic money balance in the storage unit;
Electronic money management method. Multiple virtual accounts assigned to one real account that serves as a transfer destination , each virtual account user has applied for and opened in advance, and is linked to each virtual account that has been declared to the user's employer. and the computer that manages the electronic money used by each of the users,
Transfer information indicating that a transfer has been made to the real account by specifying one virtual account among the plurality of virtual accounts from an account management device that manages one real account to which the plurality of virtual accounts are assigned. and the ability to receive
Upon receiving the transfer information, add an amount of electronic money equivalent to the transfer amount to the electronic money balance linked to the specified virtual account without receiving an explicit instruction. Achieving the function of storing the balance of electronic money in the storage unit,
program.

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