JP7441191B2 - information processing equipment - Google Patents

Description

The present disclosure relates to an information processing device that performs processing related to the transfer of economic value.

Patent Document 1 describes a gift instruction acquisition unit that acquires gift instruction information that determines the amount and payment method of condolence money from a donor's terminal, a gift instruction information, a condolence money code for reading the terminal, and a system for receiving condolence money. A condolence money database that stores keys in association with each other, a condolence money code read by the receiver's terminal of the recipient of the condolence money, a receiving key associated with the said congratulations and condolence money code, and a method for receiving the congratulations and condolence money is determined. A receiving instruction acquisition unit that acquires receiving instruction information from a recipient terminal, and a receiving instruction information and receiving instruction when the condolence money code and receiving key acquired by the receiving instruction acquisition unit are associated in the condolence money database. A condolence money management device is disclosed that includes a remittance processing unit that executes a remittance processing of congratulation and condolence money from a donor to a recipient according to information.

According to this condolence money management device, it is stated that by intervening the process of handing a printout of the condolence money code from the giver to the recipient, it is possible to realize electronic payment that maintains the feeling of giving and receiving condolence money. . In addition, at the stage of receiving condolence money, authentication based on the receipt key is required, so even if the printout of the condolence money code is handed over to another person of the recipient, the other person will not be able to receive the condolence money. It is stated that the risk of gold being obtained can be reduced.

Patent No. 6689357

However, the condolence money management device of Patent Document 1 can only be used for remittance of condolence money from the giver to the recipient, so opportunities for use are limited.

Therefore, the present disclosure aims to provide a highly versatile information processing device that can be used for transferring various economic values.

In one aspect, the following solution is provided.
(1) A code setting unit that associates a two-dimensional code with a predetermined information area that is electronically accessible when reading, and stores user information in the predetermined information area based on input from a user who has accessed the predetermined information area. outputting a transfer instruction for transferring economic value from a first user to a second user based on the information storage section that stores the information and the user information stored in the predetermined information area by the information storage section. It is characterized by comprising a processing section.

(2) In the configuration of (1) above, the predetermined information area includes a first area accessible by the first user, a second area accessible by the second user, and a second area accessible by the first user and the second user. and a third area accessible by two users.

(3) In the configuration of (2) above, the code setting unit further includes, in the two-dimensional code, a first access code that allows access to the first area and the third area, and a first access code that allows access to the second area and the third area. The third area is characterized by being associated with a second access code that allows access to the third area.

(4) In the configuration of (3) above, the processing unit determines the value transfer source and the value transfer source based on first user information stored in the first area among the user information. The amount of the value is determined, and a destination of the value is determined based on second user information stored in the second area of the user information.

(5) In the configuration of (3) or (4) above, a transmission processing unit that transmits the second access code to a destination associated with the second user; and and a first determination unit that determines whether or not the authentication based on the second access code is successful, and when the first determination unit determines that the authentication based on the second access code is successful. Preferably, the second user can access the second area and the third area.

(6) In any one of the configurations (1) to (5) above, an authentication information setting unit that associates authentication information with the two-dimensional code based on input from the first user; and a second determination unit that determines whether or not the authentication based on the authentication information is successful based on the input, and the processing unit determines that the authentication based on the authentication information is successful by the second determination unit. If the determination is made, the value is moved from the first user to the second user.

(7) In any of the configurations (1) to (6) above, the code setting section is configured to include a code setting section printed on the two-dimensional code printed on the bag or on a sheet member that can be placed in the bag. The method is characterized in that the two-dimensional code is associated with the predetermined information area.

(8) In the structure of (7) above, the bag is characterized in that it is a bag for ceremonial occasions or a pouch bag for pocket money.

According to the present disclosure, it is possible to provide a highly versatile information processing device that can be used for transferring various economic values.

1 is a block diagram showing the overall configuration of a value transfer service system using an information processing device according to an embodiment of the present invention. FIG. 2 is a diagram showing an example of a bag for ceremonial occasions used in a value transfer service system using an information processing device according to an embodiment of the present invention, in which (a) shows the bag in a closed state, and (b) ) is a diagram showing the bag in an open state. 1 is a diagram showing the basic operation of a value transfer service system using an information processing device according to an embodiment of the present invention. FIG. 2 is a diagram showing a processing procedure of an information processing device in a value transfer service system using an information processing device according to an embodiment of the present invention.

[Value transfer service system]
Hereinafter, one embodiment of the present invention will be described in detail with reference to the accompanying drawings.
FIG. 1 is a block diagram showing the overall configuration of a value transfer service system using an information processing device according to an embodiment of the present invention.
As shown in FIG. 1, a value transfer service system 100 using an information processing device 1 according to an embodiment of the present invention provides economic value to an information processing device 1 that provides a value transfer service and a second user. A first user terminal 2 used by a first user who wants to move, a second user terminal 3 used by a second user, and the information processing device 1, first user terminal 2, and second user terminal 3 are communicably connected. A network 4 such as the Internet is provided.

FIG. 2 is a diagram showing an example of a bag for ceremonial occasions used in a value transfer service system using an information processing device according to an embodiment of the present invention, and (a) shows the bag in a closed state. Figure, (b) is a diagram showing the bag in an open state.
A first user who uses the value transfer service of this embodiment conveys his or her intention to transfer value to a second user using the bag 5 for ceremonial occasions shown in FIG. 2 as a medium. For example, a first user who is invited to a second user's wedding gives the bag 5 to the second user as a gift. Alternatively, the first user attending a funeral where the second user is the chief mourner hands over the bag 5 to the second user as a condolence gift. Note that in this embodiment, the economic value transferred from the first user to the second user is money, but the economic value transferred is not limited to money, and may include securities, goods, products, services, etc. It may be points, coupons, benefits, etc. In addition, the medium by which the first user conveys the intention to transfer value to the second user is not limited to the bag 5 for ceremonial occasions, but can be used for pocket money, as long as it is possible to convey the two-dimensional code described below to the second user. It may be a pocket bag, mail, e-mail, etc.

The bag 5 shown in FIG. 2 is, for example, a wedding gift to be sold at a convenience store or a stationery store, and includes a printing section 51 for a second user and a sheet 52 for a first user. It is housed in a removable manner. Note that the printing unit 51 for the second user may be a removable sheet member.

Printed on the printing unit 51 are a unique two-dimensional code 511 and an explanation 512 describing how to receive the congratulatory gift. Also, printed on the sheet 52 are a two-dimensional code 521 that is the same as the two-dimensional code 511, an explanatory note 522 describing how to send money for a celebration, and a first access code 523, which will be described later.

The two-dimensional codes 511 and 521 include information (for example, URL information, identification information, etc.) for accessing a predetermined information area of the information processing device 1. In the explanation 522 of the sheet 52, procedures necessary for sending congratulatory money to the second user are described as follows, for example.
1) Read the two-dimensional codes 511 and 521 printed on the printed section 51 or sheet 52 of the bag 5 with your smartphone (first user terminal 2) to access the specified information area of the information processing device 1.
2) The first access code input field will be displayed. Please enter the first access code 523 printed on the sheet 52 and tap the authentication button (first user authentication).
3) If the first user authentication is successful, the first user name input field, first user address input field, celebration amount input field, first user contact information input field, first user payment information input field (for example, bank account information , credit card information, etc.), second user name input field, second user contact information input field (this is an input field for specifying the destination of the second access code described later, and in the case of SMS authentication, a phone number input field) , in the case of email authentication, an input field for the email address), and an authentication information input field (optional authentication information described later) will be displayed. Please enter your information in these fields and tap the send button.
4) Move to the input information confirmation screen. If there are no problems, tap the Confirm button.
5) When the registration completion screen is displayed, the procedure is complete.
6) The first user should keep the sheet 52.
7) Write the necessary information such as your name on bag 5 and give it to the second user on the day of the wedding, etc.
8) When the information registration by the second user is completed, a shared information area between the first and second users will be established on the server. Please use it to exchange messages and photos and videos taken at weddings, receptions, after-parties, etc.

The instruction sheet 512 on the printing unit 51 describes, for example, the following procedures for receiving the congratulatory money from the first user.
1) Read the two-dimensional code 511 printed on the printing section 51 of the bag 5 with your smartphone (second user terminal 3) to access the specified information area of the information processing device 1.
2) The Send Authentication Code button will be displayed. When you tap this button, a second access code will be sent to the contact information of the second user registered by the first user.
3) A second access code entry field will be displayed. Please enter the second access code you received and tap the authentication button (secondary user authentication).
4) If the second user authentication is successful, fields for entering the first user's name, first user's address, gift amount, and second user's receiving account information will be displayed. Please enter the information in the input field and tap the send button.
5) Move to the input information confirmation screen. If there are no problems, tap the Confirm button.
6) When the registration completion screen is displayed, the procedure is complete.
7) At a later date, the congratulatory money from the first user will be transferred to the specified receiving account.
8) Additionally, a shared information area between the first user and the second user will be established on the server. Please use it to exchange messages and photos and videos taken at weddings, receptions, after-parties, etc.

[Basic operation of value transfer service system]
Next, the basic operation of the value transfer service system 100 will be explained with reference to FIG. 3.
FIG. 3 is a diagram showing the basic operation of a value transfer service system using an information processing device according to an embodiment of the present invention.
As shown in FIG. 3, when the first user sends a wedding gift to the second user using the value transfer service, the first user purchases a wedding gift bag 5 exclusively for the value transfer service at a convenience store or stationery store ( S1). Next, the first user reads the two-dimensional codes 511 and 521 printed on the bag 5 or sheet 52 with the smartphone (first user terminal 2) and accesses a predetermined information area of the information processing device 1 (S2). .

After performing the first user authentication using the first access code 523 (S3), the information processing device 1 transmits information input screens for the first user and the second user to the first user terminal 2 (S4). This input screen includes a first user name input field, a first user address input field, a celebration amount input field, a first user contact information input field, a first user payment information input field, a second user name input field, and a second user name input field. This includes fields for entering user contact information, etc. When the information processing device 1 receives the input information on the information input screen from the first user terminal 2, it stores the input information in the first area of the predetermined information area (S5). Thereafter, the first user writes necessary information such as his/her name on the bag 5 and hands it to the second user on the day of the wedding or the like (S6).

The second user who received the bag 5 from the first user reads the two-dimensional code 511 printed on the printed part 51 of the bag 5 with a smartphone (second user terminal 3), and enters it into a predetermined information area of the information processing device 1. access (S7). After performing second user authentication by transmitting the second access code to the contact information of the second user registered by the first user (S8), the information processing device 1 transmits the second user's information input screen to the second user's contact information registered by the first user. It is transmitted to terminal 3 (S9). This screen includes fields for inputting the first user's name, first user's address, celebration amount, and second user's receiving account information. When the information processing device 1 receives the input information on the receipt information input screen from the second user terminal 3, it stores the input information in the second area of the predetermined information area (S10), and also sends the input information from the first user to the second user. A remittance process is executed (S11). Furthermore, the information processing device 1 establishes a third area that can be accessed by the first user (two-dimensional code 521 + first access code 523) and the second user (two-dimensional code 511 + second access code) in the predetermined information area. .

[Functional configuration of information processing device]
Next, the functional configuration of the information processing device 1 that implements the above basic operations will be described with reference to FIG. 1.
As shown in FIG. 1, the information processing device 1 includes a code setting section 11, an information storage section 12, a transmission processing section 13, a first determination section, and a functional configuration realized by cooperation between hardware and software. 14, an authentication information setting section 15, a second determination section 16, and a processing section 17.

The code setting unit 11 associates the two-dimensional codes 511 and 521 with a predetermined information area that can be accessed electronically at the time of reading. Specifically, the predetermined information area is associated with the two-dimensional code 511 printed on the bag 5 or the two-dimensional code 521 printed on the sheet 52 accommodated in the bag 5. The predetermined information area includes a first area accessible by the first user, a second area accessible by the second user, and a third area accessible by the first user and the second user. The code setting unit 11 includes a first access code 523 that allows access to the first area and the third area, and a second access code that allows access to the second area and the third area, to the two-dimensional codes 511 and 521. Match.

The information storage unit 12 stores user information in a predetermined information area based on input from a user who has accessed the predetermined information area. Specifically, information input by the first user is stored in the first area or the third area, and information input by the second user is stored in the second area or the third area.

The transmission processing unit 13 transmits the second access code to the destination associated with the second user. Specifically, a second access code necessary for authentication of the second user is sent to the contact information of the second user registered by the first user.

The first determination unit 14 determines whether or not the authentication based on the second access code was successful based on the input from the second user. If the first determination unit 14 determines that the authentication based on the second access code is successful, the second user can access the second area and the third area.

The authentication information setting unit 15 associates authentication information with the two-dimensional codes 511 and 521 based on input from the first user. For example, when the first user wants to increase the security of the value transfer service, he sets arbitrary authentication information (for example, the matchmaker's birthday, etc.) and separately communicates it to the second user.

The second determination unit 16 determines whether or not the authentication based on the authentication information is successful based on the input from the second user.

The processing unit 17 performs a process of outputting a transfer instruction for transferring economic value from the first user to the second user based on the user information stored in the predetermined information area by the information storage unit 12. . Specifically, the value transfer source and value transfer amount are determined based on the first user information stored in the first area of the user information, and the value transfer source and the value transfer amount are determined based on the first user information stored in the first area of the user information. The destination of the value is determined based on the second user information stored in the second user information. In addition, if the first user has set arbitrary authentication information, the processing unit 17 determines the value of the value only when the second determination unit 16 determines that the authentication of the second user based on the authentication information is successful. , from the first user to the second user. The transfer instruction may be in the form of an external instruction to the financial institution that realizes the actual transfer, or an instruction within the financial institution that realizes the actual transfer (for example, an instruction to the withdrawal processing department). There may be.

[Processing procedure of information processing device]
Next, the processing procedure of the information processing device 1 in the value transfer service system 100 will be explained with reference to FIG. 4. However, the contents may not match the contents of the explanations 512 and 522 described in paragraphs 0021 and 0022.

FIG. 4 is a diagram showing a processing procedure of an information processing device in a value transfer service system using an information processing device according to an embodiment of the present invention.
As shown in FIG. 4, when the first user terminal 2 accesses the predetermined information area based on the two-dimensional codes 511 and 521 (S101), the information processing device 1 converts the first access code input screen data into the first It is transmitted to the user terminal 2 (S102). When the information processing device 1 receives the correct first access code 523 associated with the two-dimensional codes 511 and 521 from the first user terminal 2 (S103), the information processing device 1 inputs the first user name input field and the first user address. information input screen data that includes a celebration amount input field, a first user contact information input field, a first user payment information input field, a second user name input field, a second user contact information input field, and an authentication information input field. It is transmitted to the first user terminal 2 (S104). When the information processing device 1 receives the input information from the first user terminal 2 (S105), the information processing device 1 registers the received input information in the first area of the predetermined information area (S106).

When the second user terminal 3 accesses the predetermined information area based on the two-dimensional code 511 (S107), the information processing device 1 transmits a second access code to the contact information of the second user registered by the first user. At the same time (S108), second access code input screen data is transmitted to the second user terminal 3 (S109). When the information processing device 1 receives the correct second access code from the second user terminal 3 (S110), the information processing device 1 includes input fields for the first user name, first user address, celebration amount, and second user receiving account information. The information input screen data to be displayed is transmitted to the second user terminal 3 (S111). When the information processing device 1 receives the second user's receiving account information from the second user terminal 3 (S112), it registers this in the second area of the predetermined information area (S113), and also transfers the information from the first user to the second user. The remittance process is executed to (S114).

[Effects of embodiment]
According to the present embodiment described above, the information processing device 1 includes the code setting unit 11 that associates the two-dimensional codes 511 and 521 with a predetermined information area that can be accessed electronically at the time of reading, and a The information storage unit 12 stores user information in a predetermined information area based on the input of the information storage unit 12, and the economic value is transferred from the first user to the Since it is provided with a processing unit 17 for transferring between two users, it can be highly versatile and can be used for transferring various economic values.

Further, since the predetermined information area includes a first area accessible by the first user, a second area accessible by the second user, and a third area accessible by the first user and the second user, The first user and the second user can not only transfer economic value but also exchange messages, image data, etc. via the third area.

Further, the code setting unit 11 further adds to the two-dimensional codes 511 and 521 a first access code 523 that allows access to the first area and the third area, and a second access code 523 that allows access to the second area and the third area. Since the codes are associated with each other, the first user can access the first area and the third area by authenticating using the first access code 523, and the second user can access the second area and the third area by authenticating using the second access code. Access to the third area becomes possible.

Further, the processing unit 17 determines the value transfer source and the value transfer amount based on the first user information stored in the first area among the user information, and determines the value transfer source and the value transfer amount based on the first user information stored in the first area among the user information Since the value transfer destination is determined based on the second user information stored in the second area, the first user information and the second user information can be reliably separated and the value transfer can be executed safely and reliably. can.

The information processing device 1 also includes a transmission processing unit 13 that transmits the second access code to a destination associated with the second user, and an authentication based on the second access code based on input from the second user. further comprising a first determination unit 14 that determines whether the authentication based on the second access code is successful, and when the first determination unit 14 determines that the authentication based on the second access code is successful, the second user Since the third area can be accessed, even if a malicious third party obtains the two-dimensional code 511, registration of the receiving account information in the information processing device 1 can be refused.

The information processing device 1 also includes an authentication information setting unit 15 that associates authentication information with the two-dimensional codes 511 and 521 based on an input from a first user, and an authentication information setting unit 15 that associates authentication information with two-dimensional codes 511 and 521 based on an input from a second user. The processing unit 17 further includes a second determination unit 16 that determines whether or not the authentication is successful, and the processing unit 17 determines the value by determining whether the authentication based on the authentication information is successful. Since the value is transferred from one user to the second user, value can be transferred more safely.

Further, the code setting unit 11 associates the predetermined information area with the two-dimensional code 511 printed on the bag 5 or the two-dimensional code 521 printed on the sheet 52 that can be placed in the bag 5. The value transfer process can be realized on the network 4 while conveying the intention to transfer the value to the second user via the bag 5 for weddings and funerals or the pouch bag for pocket money.

Although the embodiments have been described in detail above, the embodiments are not limited to the specific embodiments, and various modifications and changes can be made within the scope of the claims. It is also possible to combine all or a plurality of the components of the embodiments described above.

100 Value Transfer Service System 1 Information Processing Device 11 Code Setting Unit 12 Information Storage Unit 13 Transmission Processing Unit 14 First Judgment Unit 15 Authentication Information Setting Unit 16 Second Judgment Unit 17 Processing Unit 2 First User Terminal 3 Second User Terminal 4 Network 5 Bag 51 Printing section 511 2D code 512 Explanation 52 Sheet 521 2D code 522 Explanation 523 1st access code

Claims (6)

a code setting unit that associates the two-dimensional code with a predetermined information area that is electronically accessible when reading;
an information storage unit that stores user information in the predetermined information area based on input from a user who has accessed the predetermined information area;
a processing unit that outputs a movement instruction for moving economic value from a first user to a second user based on the user information stored in the predetermined information area by the information storage unit;
The predetermined information area includes a first area accessible by the first user and a second area accessible by the second user,
The code setting unit further includes, in the two-dimensional code, a first access code that allows access to the first area and that is obtainable by the first user via a medium for the first user. 1 access code and a second access code that can access the second area,
Through reading the two-dimensional code, the first user can input the first access code, and based on the input of the first access code, the first user can enter the first area. access is possible,
Through reading the two-dimensional code, the second user can acquire the second access code and input the second access code, and based on the input of the second access code, the second user can acquire the second access code and input the second access code. A second user can access the second area,
The processing unit determines a transfer source of the value and an amount of transfer of the value based on first user information stored in the first area among the user information, and An information processing device that determines a destination of the value based on second user information stored in the second area. The information processing apparatus according to claim 1 , wherein the predetermined information area includes a third area accessible by the first user and the second user. The code setting unit further includes, in the two-dimensional code, the first access code that allows access to the first area and the third area, and the second access code that allows access to the second area and the third area. The information processing apparatus according to claim 2 , wherein the information processing apparatus associates the access code with the access code. a transmission processing unit that transmits the second access code to a destination associated with the second user based on a predetermined input that can be input through reading the two-dimensional code;
further comprising a first determination unit that determines, based on input of the second access code, that authentication based on the second access code is successful;
3. The second user can access the second area and the third area if the first determination unit determines that authentication based on the second access code is successful. Information processing device. an authentication information setting unit that associates authentication information different from the second access code with the two-dimensional code based on an input from the first user;
further comprising a second determination unit that determines whether or not authentication based on the authentication information is successful based on an input from the second user;
The processing unit moves the value from the first user to the second user when the second determination unit determines that authentication based on the authentication information is successful . information processing equipment. Claims 1 to 5, wherein the code setting unit associates the predetermined information area with the two-dimensional code printed on the bag or on a sheet member that can be placed in the bag . The information processing device according to any one of the above.

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