JPWO2003017155A1

JPWO2003017155A1 - Transfer processing system, transfer processing device, transfer processing method, terminal, and recording medium

Info

Publication number: JPWO2003017155A1
Application number: JP2003521992A
Authority: JP
Inventors: 啓一中島
Original assignee: Individual
Current assignee: Individual
Priority date: 2001-08-10
Filing date: 2001-08-10
Publication date: 2004-12-09
Anticipated expiration: 2021-08-10
Also published as: JP4880872B2; WO2003017155A1

Abstract

第１のユーザを特定する情報を、当該ユーザが振込元であることを示す振込元情報に対応付けて受信する第１受信部と、前記第１受信部が前記振込元情報と共に受信した、前記第１のユーザを特定する情報を格納する第１ユーザ情報格納部と、第２のユーザを特定する情報を、当該ユーザが振込先であることを示す振込先情報及び前記第１のユーザを特定する情報と共に受信する第２受信部と、前記第２受信部が受信した前記第１のユーザを特定する情報が、前記第１ユーザ情報格納部に格納されている場合に、前記第１のユーザから前記第２のユーザへの振込処理を行う振込処理部とを備える。第１及び第２のユーザを特定する情報として、ユーザ毎に割り振られたＵＲＬを用いてもよい。A first receiving unit that receives the information specifying the first user in association with the transfer source information indicating that the user is the transfer source, and the first receiving unit receives the information together with the transfer source information, A first user information storage unit for storing information for specifying the first user; information for specifying the second user; transfer destination information indicating that the user is a transfer destination; and specification of the first user A second receiving unit that receives the first user information together with the information that identifies the first user, the first user information storing unit storing the first user information received by the second receiving unit. And a transfer processing unit for performing a transfer process to the second user. As the information for specifying the first and second users, a URL assigned to each user may be used.

Description

技術分野
本発明は、ユーザ間の振込処理を行う振込処理システム、振込処理装置、振込処理方法、端末およびこれらに用いるプログラムを格納した記録媒体に関する。
背景技術
通信ネットワークを介して、商取引における決済を電子的に行う技術の開発が進んでいる。
しかし、個人の間で行う決済すなわち振込処理を簡便に行う技術はなかった。そこで本発明は、このような問題を解決することを目的とする。
発明の開示
このような目的を達成するために、本発明の第１の形態によれば、ユーザ間の振込処理を行う振込処理装置であって、第１のユーザを特定する情報を、当該ユーザが振込元であることを示す振込元情報、又は当該ユーザが振込先であることを示す振込先情報に対応付けて受信する第１受信部と、前記第１受信部が、前記振込元情報又は前記振込先情報の一方に対応付けて受信した前記第１のユーザを特定する情報を格納する第１ユーザ情報格納部と、前記振込元情報又は前記振込先情報の他方を、第２のユーザを特定する情報、及び前記第１のユーザを特定する情報に対応付けて受信する第２受信部と、前記第２受信部が受信した前記第１のユーザを特定する情報が、前記第１ユーザ情報格納部に格納されている場合に、前記第１のユーザと前記第２のユーザとの間の振込処理を行う振込処理部とを備えることを特徴とする振込処理装置を提供する。
上記第１の形態は、前記複数のユーザの各々と、前記ユーザ毎に割り当てられたＵＲＬとを対応付けて格納するＵＲＬ格納部を更に備え、前記第１受信部は、第１のＵＲＬを前記第１のユーザを特定する情報として受信し、前記第２受信部は、第２のＵＲＬを前記第２のユーザを特定する情報として受信し、前記振込処理部は、前記第１及び第２のＵＲＬ及びＵＲＬ格納部を用いて、第１のユーザ及び第２のユーザを特定してもよい。
また、前記第１のユーザの端末を識別する端末識別情報を取得する端末情報取得部と、前記第１受信部の受信の各々に対して振込識別情報を付与する識別情報付与部と、前記端末情報取得部が取得した前記端末特定情報を用いて、前記振込識別情報を前記第１のユーザの端末に送信する送信部と、を更に備え、前記第１ユーザ情報格納部は、更に、前記振込識別情報を前記第１のユーザを特定する情報に対応付けて格納し、第２受信部は、更に、前記振込識別情報を、前記振込元情報又は前記振込先情報の他方及び前記第１のユーザを特定する情報に対応付けて受信し、前記振込処理部は、更に、前記第２受信部が受信した前記振込識別情報が、前記第１ユーザ情報格納部において、前記第２受信部が受信した第１ユーザを特定する情報に対応付いている振込識別情報と一致する場合に、前記第１のユーザと前記第２のユーザとの間の振込処理を行ってもよい。この場合、前記振込情報付与部は、前記第１受信部の受信時を示す情報を前記振込識別情報に埋め込み、前記振込処理部は、更に、前記第２受信部の受信時を認識し、当該受信時が、前記第２受信部が受信した前記振込識別情報により認識される前記第１受信部の受信時から所定の期間以内である場合に、前記第１のユーザと前記第２のユーザとの間の振込処理を行ってもよい。更にこの場合、前記第１受信部は、前記端末特定情報としてＩＰアドレスを受信し、更に、前記複数のユーザの各々のメールアドレスを、前記ユーザを特定する情報に対応付けて格納するアドレス格納部と、前記アドレス格納部から前記第１のユーザのアドレスを選択し、前記第１のユーザに対し、振込先が前記第２のユーザであることを確認する旨の確認メールを送信する確認メール送信部と、前記確認メールに対し合意を示す情報を受信する合意受信部と更に備え、前記振込処理部は、前記合意受信部が、前記確認メールに対し合意を示す情報を、前記第１のユーザから受信することを条件として、前記第１のユーザと前記第２のユーザとの間の振込処理を行ってもよい。
また、前記複数のユーザの各々の金融機関の口座を特定する情報を格納する口座情報格納部と、前記金融機関の口座を管理する口座管理装置に接続する接続部と、を更に備え、前記振込処理部は、前記口座情報格納部から、前記第１のユーザの口座を特定する情報、及び前記第２のユーザの口座を特定する情報を取得し、前記接続部を介して、前記口座管理装置に対し、前記第１のユーザの口座と前記第２のユーザの口座の間の送金を指示してもよい。この場合、前記第１受信部の受信の各々に対して振込識別情報を付与する識別情報付与部を更に備え、前記振込処理部は、前記口座管理装置に対し、更に、前記振込識別情報を送信してもよい。
また、前記第１ユーザ情報格納部は、更に、前記振込元情報又は前記振込先情報を前記第１受信部が受信した時刻を、当該振込元情報又は振込先情報に対応付けて格納し、前記振込処理部は、前記振込先情報又は前記振込元情報の他方を受信した時刻を認識し、当該時刻が、前記振込元情報を受信した時刻から所定の時間以内の場合に、振込処理を行ってもよい。
また、前記第２受信部が受信した回数を、ユーザに対応付けて格納する受信回数格納部と、前記受信回数格納部に格納されている受信回数に基づいて、不正アクセスを試みていると判断されるユーザを選択する不正ユーザ選択部と、前記不正ユーザ選択部により選択されたユーザに対し、所定の動作を行う対応部とを更に備えてもよい。この場合、前記受信回数格納部に格納されている受信回数から、前記ユーザに対する振込が成立した回数を差し引くことで、前記受信回数格納部を更新する更新部を更に備え、前記不正ユーザ選択部は、前記受信回数格納部に格納されている受信回数が所定値を越えるユーザを選択してもよい。また、前記受信回数格納部は、現在から所定の期間以内の受信回数を格納し、前記不正ユーザ選択部は、前記受信回数格納部に格納されている受信回数が所定値を越えるユーザを選択してもよい。また、前記複数のユーザの各々の端末を特定する端末特定情報を、前記ユーザを特定する情報に対応付けて格納する端末情報格納部を更に備え、前記対応部は、前記端末情報格納部に、前記不正ユーザ選択部に選択されたユーザに対応付けて格納されている端末識別情報を選択し、警告データを送信してもよい。
また、前記第１受信部は、前記振込先情報を、振込金額に対応付けて受信し、さらに、前記第１受信部が受信した前記振込金額を、前記第２受信部が受信した前記第２のユーザの端末に送信して確認する確認部を備え、前記振込処理部は、前記第２のユーザに対し、前記振込金額に合意する旨を受信した場合に、前記振込処理を行ってもよい。この場合、前記第１受信部は、前記振込金額に対応付けて、振込元の人数を受信し、前記確認部は、前記振込金額を前記振込元の人数で割った金額を、前記第２のユーザに対し送信してもよい。この場合、前記第１ユーザ情報格納部は、前記振込元の人数を、前記第１のユーザを特定する情報に対応付けて格納し、更に、前記第１のユーザを振込先に指定した前記第２のユーザの数をカウントするカウント部と、前記第１受信部の受信時から所定の時間経た時に、前記カウント部のカウント数が前記第１ユーザ情報格納部に格納されている前記振込元の人数より少ない場合に、前記第１のユーザの端末に対し、その旨を示す情報を送信する人数確認部とを備えてもよい。
また、前記第１受信部は、前記第２のユーザを指定する情報を、前記振込元情報又は前記振込先情報に対応付けて受信し、更に、前記第２のユーザの端末を特定する端末特定情報を取得する端末情報取得部と、前記端末特定情報により特定される前記第２ユーザの端末に対し、振込がある旨を通知する通知部を備えてもよい。この場合、更に、前記第１受信部の受信の各々に対してＵＲＬを付与するＵＲＬ付与部を備え、前記第１ユーザ格納部は、前記ＵＲＬを、前記第１のユーザを特定する情報に対応付けて格納し、前記通知部は、更に、前記ＵＲＬを前記第２ユーザの端末に通知し、第２受信部は、前記ＵＲＬへのアクセスを、前記振込元情報又は前記振込先情報の他方として受信してもよい。
本発明の第２の形態は、ユーザ間での振込処理を行う振込処理装置であって、複数のユーザをそれぞれ特定する複数のユーザ特定情報を、それぞれＵＲＬに対応付けて格納するＵＲＬ格納部と、第１のＵＲＬを受信する第１受信部と、前記第１のＵＲＬ及び前記ＵＲＬ格納部を用いて、第１のユーザを特定する第１ユーザ特定部と、前記第１ユーザ特定部により特定された前記第１のユーザを特定する情報を格納する第１ユーザ情報格納部と、第２のＵＲＬを、前記第１のユーザを特定する情報に対応付けて受信する第２受信部と、前記第２のＵＲＬ及び前記ＵＲＬ格納部を用いて前記第２のユーザを特定する第２ユーザ特定部と、前記第２受信部が受信した前記第１のユーザを特定する情報が、前記第１ユーザ特定部に格納されている場合に、前記第１のユーザと前記第２のユーザとの間の振込処理を行う振込処理部とを備えることを特徴とする振込処理装置を提供する。
上記第２の形態において、前記複数のユーザの各々の端末を特定する端末特定情報を取得する端末情報取得部と、前記第１受信部の受信の各々に対して振込識別情報を付与する識別情報付与部と、前記端末情報格納部に格納されている前記端末特定情報を用いて、前記振込識別情報を前記端末に送信する送信部と、を更に備え、前記第１ユーザ情報格納部は、更に、前記振込識別情報を前記第１のユーザを特定する情報に対応付けて格納し、第２受信部は、更に、前記振込識別情報を、振込先情報及び前記第１のユーザを特定する情報に対応付けて受信し、前記振込処理部は、更に、前記第２受信部が受信した前記振込識別情報が、前記第１ユーザ情報格納部において、前記第２受信部が受信した第１ユーザを特定する情報に対応付いている振込識別情報と一致する場合に、前記第１のユーザと前記第２のユーザの間の振込処理を行ってもよい。この場合、前記振込情報付与部は、前記第１受信部の受信時を示す情報を前記振込識別情報に埋め込み、前記振込処理部は、更に、前記第２受信部の受信時を認識し、当該受信時が、前記第２受信部が受信した前記振込識別情報により認識される前記第１受信部の受信時から所定の期間以内である場合に、前記第１のユーザと前記第２のユーザの間の振込処理を行ってもよい。
また、前記第１受信部は、前記端末特定情報としてＩＰアドレスを受信し、更に、前記複数のユーザの各々のメールアドレスを、前記ユーザを特定する情報に対応付けて格納するアドレス格納部と、前記アドレス格納部から前記第１のユーザのアドレスを選択し、前記第１のユーザに対し、振込先が前記第２のユーザであることを確認する旨の確認メールを送信する確認メール送信部とを更に備え、前記第１受信部は、更に、前記確認メールに対し合意を示す情報を受信し、前記振込処理部は、前記確認メールに対し合意を示す情報を、前記第１のユーザから受信することを条件として、前記第１のユーザと前記第２のユーザの間の振込処理を行ってもよい。
また、前記複数のユーザの各々の金融機関の口座を特定する情報を格納する口座情報格納部と、前記金融機関の口座を管理する口座管理装置に接続する接続部と、を更に備え、前記振込処理部は、前記口座情報格納部から、前記第１のユーザの口座を特定する情報、及び前記第２のユーザの口座を特定する情報を取得し、前記接続部を介して、前記口座管理装置に対し、前記第１のユーザの口座と前記第２のユーザの口座の間の送金を指示してもよい。この場合、前記第１受信部の受信の各々に対して振込識別情報を付与する識別情報付与部を更に備え、前記振込処理部は、前記口座管理装置に対し、更に、前記振込識別情報を送信してもよい。
また、前記第１ユーザ情報格納部は、更に、前記振込元情報を前記第１受信部が受信した時刻を、当該振込元情報に対応付けて格納し、前記振込処理部は、前記振込先情報を受信した時刻を認識し、当該時刻が、前記振込元情報を受信した時刻から所定の時間以内の場合に、振込処理を行ってもよい。
前記第２受信部が受信した回数を、ユーザに対応付けて格納する受信回数格納部と、前記受信回数格納部に格納されている受信回数に基づいて、不正アクセスを試みていると判断されるユーザを選択する不正ユーザ選択部と、前記不正ユーザ選択部により選択されたユーザに対し、所定の動作を行う対応部とを更に備えてもよい。この場合、前記受信回数格納部に格納されている受信回数から、前記ユーザに対する振込が成立した回数を差し引くことで、前記受信回数格納部を更新する更新部を更に備え、前記不正ユーザ選択部は、前記受信回数格納部に格納されている受信回数が所定値を越えるユーザを選択してもよい。また、前記受信回数格納部は、現在から所定の期間以内の受信回数を格納し、前記不正ユーザ選択部は、前記受信回数格納部に格納されている受信回数が所定値を越えるユーザを選択してもよい。また、前記複数のユーザの各々の端末を特定する端末特定情報を、前記ユーザを特定する情報に対応付けて格納する端末情報格納部を更に備え、前記対応部は、前記端末情報格納部に、前記不正ユーザ選択部に選択されたユーザに対応付けて格納されている端末識別情報を選択し、警告データを送信してもよい。
本発明の第３の形態は、ユーザ間での支払処理を行う振込処理装置との間で振込処理に関する情報を送受信する端末であって、前記端末のユーザを特定する情報を格納する特定情報格納部と、前記振込処理装置への接続を促す表示を選択可能に表示する表示部と、前記表示部による表示が選択された場合に、前記特定情報格納部から前記端末のユーザを特定する情報を読み出し、前記振込処理装置へ送信する送信部と、を備えることを特徴とする端末を提供する。
上記第３の形態において、前記表示部は、更に、振込元であるか振込先であるかを選択可能に表示し、前記送信部は、更に、振込元であることを選択された場合にはその旨を示す振込元情報を、振込先であることを選択された場合にはその旨を示す振込先情報を、前記振込処理装置に送信してもよい。この場合、前記表示部は、更に、振込処理を互いに識別する振込識別情報を入力させる識別番号入力欄を表示し、前記送信部は、更に、前記識別番号入力欄に入力された前記振込識別情報を前記振込処理装置に送信してもよい。また、前記表示部は、更に、振込先であることを選択された場合に、振込金額を入力させる金額入力欄を表示し、前記送信部は、更に、前記金額入力欄に表示された振込金額を前記振込処理装置に送信してもよい。
また、前記表示部は、更に、振込先であることを選択された場合に、振込元の人数を入力させる人数入力欄を表示し、前記送信部は、更に、前記人数入力欄に表示された人数を前記振込処理装置に送信してもよい。
また、前記特定情報格納部は、前記ユーザを特定する情報としてＵＲＬを格納してもよい。
本発明の第４の形態は、複数のユーザの端末と、前記端末と通信する振込処理装置とを備え、前記ユーザ間での振込処理を行う振込処理システムであって、第１の前記ユーザが用いる第１の前記端末は、前記端末のユーザを特定する情報を格納する特定情報格納部と、振込元又は振込元であることを選択可能に表示する表示部と、前記特定情報格納部に格納されている前記端末のユーザを特定する情報を前記振込処理装置に送信すると共に、前記表示部において振込元又は振込先の一方であることを選択された場合に、振込元であることが選択されたことを示す振込元情報、又は振込先であることが選択されたことを示す振込先情報を前記振込処理装置へ送信する送信部とを有し、第２の前記ユーザが用いる第２の前記端末は、前記端末のユーザを特定する情報を格納する特定情報格納部と、振込先又は振込元の他方であることを選択可能に表示する表示部と、前記第１のユーザを特定する情報を取得する取得部と、前記特定情報格納部に格納されている前記端末のユーザを特定する情報を前記振込処理装置に送信すると共に、前記表示部において振込先又は振込先であることを選択された場合に、前記第１のユーザを特定する情報、及び、振込先であることが選択されたことを示す振込元情報又は振込元であることが選択されたことを示す振込元情報を前記振込処理装置へ送信する送信部とを有し、前記振込処理装置は、前記第１の端末から、第１のユーザを特定する情報、及び前記振込元情報又は前記振込先情報の一方を受信する第１受信部と、前記振込元情報又は前記振込先情報の一方を、前記第１のユーザを特定する情報に対応付けて格納する第１ユーザ情報格納部と、前記第２の端末から、第２のユーザを特定する情報、前記振込先情報又は振込元情報の他方、及び前記第１のユーザを特定する情報を受信する第２受信部と、前記第２受信部が受信した前記第１のユーザを特定する情報が、前記受信情報格納部において振込元情報又は振込先情報に対応付いている場合に、前記第１のユーザと前記第２のユーザの間の振込処理を行う振込処理部とを有することを特徴とする振込処理システムを提供する。
本発明の第５の形態は、複数のユーザの端末と、前記端末と通信する振込処理装置とを備え、前記ユーザ間での振込処理を行う振込処理システムであって、第１のユーザが用いる第１の前記端末は、前記端末のユーザを特定する情報として、前記振込処理装置への接続を示すＵＲＬを格納する特定情報格納部と、前記振込処理装置への接続を促す表示を選択可能に表示する表示部と、前記表示部による表示が選択された場合に、前記特定情報格納部から前記ＵＲＬを読み出し、前記ＵＲＬを送信して前記振込処理装置へ接続する送信部とを有し、第２のユーザが用いる第２の前記端末は、前記第１のユーザを特定する情報を取得する取得部と、前記端末のユーザを特定する情報として、前記振込処理装置への接続を示すＵＲＬを格納する特定情報格納部と、前記振込処理装置への接続を促す表示を選択可能に表示する表示部と、前記表示部による表示が選択された場合に、前記特定情報格納部から前記ＵＲＬを読み出し、前記ＵＲＬを送信して前記振込処理装置へ接続し、前記第１のユーザを特定する情報を送信する送信部とを有し、前記振込処理装置は、複数のユーザをそれぞれ特定する複数のユーザ特定情報を、それぞれＵＲＬに対応付けて格納するＵＲＬ格納部と、前記第１のユーザの前記端末から、第１のＵＲＬを受信する第１受信部と、前記第１のＵＲＬ及び前記ＵＲＬ格納部を用いて、第１のユーザを特定する第１ユーザ特定部と、前記第１ユーザ特定部により特定された前記第１のユーザを特定する情報を格納する第１ユーザ情報格納部と、前記第２のユーザの前記端末から第２のＵＲＬを、前記第１のユーザを特定する情報に対応付けて受信する第２受信部と、前記第２のＵＲＬ及び前記ＵＲＬ格納部を用いて前記第２のユーザを特定する第２ユーザ特定部と、前記第２受信部が受信した前記第１のユーザを特定する情報が、前記第１ユーザ特定部に格納されている場合に、前記第１のユーザと前記第２のユーザの間の振込処理を行う振込処理部とを有することを特徴とする振込処理システムを提供する。
本発明の第６の形態は、複数のユーザの端末と、前記端末と通信する振込処理装置とを用いて、前記ユーザ間での振込処理を行う振込処理方法であって、第１のユーザが用いる第１の前記端末が、前記第１の端末が、前記第１のユーザを特定する情報を取得するステップと、前記第１の端末が、振込元又は振込先であることを選択可能に表示するステップと、前記第１の端末において、前記表示において、振込元又は振込先の一方であることを選択された場合に、前記第１の端末が、振込元であることを選択された旨を示す振込元情報、又は振込先であることを選択された旨を示す振込先情報を、前記第１のユーザを特定する情報に対応付けて前記振込処理装置へ送信するステップと、第２のユーザが用いる第２の前記端末が、振込先又は振込元であることを選択可能に表示するステップと、前記第２の端末が、前記第１のユーザを特定する情報を取得するステップと、前記第２の端末が、前記第２のユーザを特定する情報を取得するステップと、前記第２の端末において、前記表示部による表示が選択され、かつ、振込先又は振込元の他方であることを選択された場合に、前記第２の端末が、前記振込元情報又は前記振込先情報の他方、前記第１のユーザを特定する情報、及び前記第２のユーザを特定する情報を前記振込処理装置へ送信するステップと、前記振込処理装置が、前記第１のユーザを特定する情報を、前記振込元情報又は前記振込先情報の一方に対応付けて受信するステップと、前記振込処理装置が、前記振込元情報又は前記振込先情報の一方に対応付けて受信した前記第１のユーザを特定する情報を格納するステップと、前記振込処理装置が、第２のユーザを特定する情報を、前記振込先情報又は前記振込元情報、及び前記第１のユーザを特定する情報に対応付けて受信するステップと、前記第２のユーザを特定する情報に対応付けて受信した前記第１のユーザを特定する情報が格納されている場合に、前記振込処理装置が、前記第１のユーザと前記第２のユーザの間の振込処理を行うステップとを備えることを特徴とする振込処理方法を提供する。
本発明の第７の形態は、複数のユーザの端末と、前記端末と通信する振込処理装置とを用いて、前記ユーザ間での振込処理を行う振込処理方法であって、前記第１のユーザが用いる第１の端末が、前記第１の端末のユーザを特定する情報として、前記振込処理装置への接続の為の第１のＵＲＬを取得するステップと、前記第１の端末が、前記振込処理装置への接続を促す表示を選択可能に表示するステップと、前記第１の端末において、前記表示が選択された場合に、前記第１の端末が、前記第１のＵＲＬを送信して前記振込処理装置へ接続するステップと、第２のユーザが用いる第２の前記端末が、前記第１のユーザを特定する情報を取得するステップと、前記第２の端末が、前記第２の端末のユーザを特定する情報として、前記振込処理装置への接続の為の第２のＵＲＬを取得するステップと、前記第２の端末が、前記振込処理装置への接続を促す表示を選択可能に表示するステップと、前記第２の端末において、前記表示が選択された場合に、前記第２の端末が、前記第２のＵＲＬを送信して前記振込処理装置へ接続し、前記第１のユーザを特定する情報を送信するステップと、前記振込処理装置が、前記第１の端末から、前記第１のＵＲＬを受信するステップと、前記振込処理装置が、複数のユーザをそれぞれ特定する複数のユーザ特定情報をそれぞれＵＲＬに対応付けて格納するＵＲＬ格納部と、前記第１のＵＲＬを用いて、前記第１のユーザを特定するステップと、前記振込処理装置が、前記第１のユーザを特定する情報を、第１ユーザ情報格納部に格納するステップと、前記振込処理装置が、前記第２の端末から前記第２のＵＲＬを、前記第１のユーザを特定する情報に対応付けて受信するステップと、前記第２のＵＲＬ及び前記ＵＲＬ格納部を用いて前記第２のユーザを特定するステップと、前記第２のＵＲＬに対応付けて受信した前記第１のユーザを特定する情報が、前記第１ユーザ情報格納部に格納されている場合に、前記第１のユーザと前記第２のユーザの間の振込処理を行うステップとを有することを特徴とする振込処理方法を提供する。
本発明の第８の形態は、ユーザ間の振込処理を行う、コンピュータに実行可能なプログラムを格納した記録媒体であって、前記プログラムは、第１のユーザを特定する情報を、当該ユーザが振込元であることを示す振込元情報、又は当該ユーザが振込先であることを示す情報に対応付けて受信する第１受信モジュールと、前記振込元情報又は前記振込先情報の一方に対応付けて受信した前記第１のユーザを特定する情報を格納する第１ユーザ情報格納モジュールと、第２のユーザを特定する情報を、前記振込元情報又は前記振込先情報の一方、及び前記第１のユーザを特定する情報に対応付けて受信する第２受信モジュールと、前記第２受信モジュールが受信した前記第１のユーザを特定する情報が、前記受信情報格納モジュールにより格納されている場合に、前記第１のユーザと前記第２のユーザの間の振込処理を行う振込処理モジュールとを備えることを特徴とする記録媒体を提供する。
本発明の第９の形態は、複数のユーザをそれぞれ特定する複数のユーザ特定情報を、それぞれＵＲＬに対応付けて格納するＵＲＬ格納部を利用して、ユーザ間での振込処理を行う、コンピュータに実行可能なプログラムを格納した記録媒体であって、前記プログラムは、第１のＵＲＬを受信する第１受信モジュールと、前記第１のＵＲＬ及び前記ＵＲＬ格納部を用いて、第１のユーザを特定する第１ユーザ特定モジュールと、前記第１ユーザ特定部により特定された前記第１のユーザを特定する情報を格納する第１ユーザ情報格納モジュールと、第２のＵＲＬを、前記第１のユーザを特定する情報に対応付けて受信する第２受信モジュールと、前記第２のＵＲＬ及び前記ＵＲＬ格納部を用いて前記第２のユーザを特定する第２ユーザ特定モジュールと、前記第２受信部が受信した前記第１のユーザを特定する情報が、前記第１ユーザ特定モジュールにより格納されている場合に、前記第１のユーザと前記第２のユーザの間の振込処理を行う振込処理モジュールとを備えることを特徴とする記録媒体を提供する。
本発明の第１０の形態は、ユーザ間での支払処理を行う振込処理装置との間で振込処理に関する情報を送受信する端末に用いられるプログラムを格納した記録媒体であって、前記プログラムは、前記振込処理装置への接続を促す表示を選択可能に表示する表示モジュールと、前記表示部による表示が選択された場合に、前記端末のユーザを特定する情報を格納する特定情報格納部から前記端末のユーザを特定する情報を読み出し、前記振込処理装置へ送信する送信モジュールと、を備えることを特徴とする記録媒体を提供する。
上記第１０の形態において、前記表示モジュールは、更に、振込元であるか振込先であるかを選択可能に表示し、前記送信モジュールは、更に、振込元であることを選択された場合にはその旨を示す振込元情報を、振込先であることを選択された場合にはその旨を示す振込先情報を、前記振込処理装置に送信してもよい。この場合、前記表示モジュールは、更に、振込先であることを選択された場合に、振込処理を互いに識別する振込識別情報を入力させる入力欄を表示し、前記送信モジュールは、更に、前記入力欄に入力された前記振込識別情報を前記振込処理装置に送信してもよい。
発明を実施するための最良の形態
図１は、本発明の第１の実施形態である振込処理システムの構成を示す。本振込処理システムは、金融機関の口座を管理する複数の口座管理装置２０と、各口座管理装置２０と専用線１６を介して接続する振込処理装置４０と、振込処理装置４０とインターネット１０や公衆通信網１４を介して接続する端末６０とを有する。端末６０は、携帯通信端末やパソコン等である。携帯通信端末の場合、端末６０は、公衆通信網１４、ゲートウェイ１２、及びインターネット１０を介して振込処理装置４０に接続する。
本振込処理システムは、第１ユーザの端末６０から、振込依頼を示す振込元情報を受信する。また、本振込処理システムは、第２ユーザの端末６０から、受取依頼を示す振込先情報及び第１ユーザを特定する情報を受信する。そして、本振込処理システムは、第１ユーザを特定する情報をキーに第１ユーザ及び第２ユーザをマッチングさせ、第１ユーザの口座から第２ユーザの口座への振込処理を行うように、第１ユーザの口座を管理する口座管理装置２０に出力する。ここで、振込処理装置４０は、各ユーザに固有のＵＲＬを割り振っており、アクセス時に用いられたＵＲＬにより、ユーザを特定する。すなわち、本振込処理システムにおいて、ＵＲＬは、各ユーザを特定する情報として機能する。
図２は、振込処理装置４０の構成の一例を示す。振込処理装置４０の一連の動作は、主にＣＰＵとＲＯＭ及びＲＡＭに格納されたプログラムの共働によって実現される。但し、それ以外の構成要素によって振込処理装置４０が実現されてもよく、その設計の自由度は高い。
振込処理装置４０は、データベースとして、ユーザデータベース１１０、振込情報データベース１２０、及びメールデータベース１９０を有し、機能部として、画面格納部１２５、第１受信部１３０、第１ユーザ特定部１４０、識別情報付与部１５０、時計部１６０、送信部１７０、第２受信部１８０、メール作成部１９５、確認メール送信部２００、合意受信部２１０、振込処理部２２０、及び接続部２３０を有する。ここで、ユーザデータベース１１０は、本発明に係るＵＲＬ格納部、アドレス格納部、口座情報格納部の一例であり、振込情報データベース１２０は、本発明に係る第１ユーザ情報格納部の一例である。また、確認メール送信部２００は、本発明に係る確認メール送信部及び対応部を兼ねる。また、受信回数格納部２５０は、本発明に係る受信回数格納部及び更新部を兼ねる。また、第１ユーザ特定部１４０は、本発明に係る端末特定情報取得部を兼ねる。
ユーザデータベース１１０は、振込処理装置４０に登録されているユーザの各種情報を格納する。
図３は、ユーザデータベース１１０のデータ構成の一例を示す。本例において、ユーザデータベース１１０は、ＵＲＬ、ユーザＩＤ、氏名、メールアドレス、金融機関、口座番号、電話番号、パスワードの各フィールドを有する。ＵＲＬフィールドは他のフィールドから独立しており、その他のフィールドは、データを互いに対応付けて格納する。ＵＲＬフィールドは、ＵＲＬの上位パラメータを格納する。この上位パラメータは、各ユーザに共通である。ユーザＩＤフィールドは、ユーザＩＤを格納する。ユーザＩＤは、ＵＲＬの下位パラメータでもある。すなわち、ＵＲＬの上位パラメータとユーザＩＤを組み合わせることで、各ユーザに固有のＵＲＬが構成される。メールアドレスフィールドは、各ユーザのメールアドレスを格納する。金融機関フィールド及び口座番号フィールドは、各ユーザの口座番号及びその口座を有する金融機関を特定する情報を格納する。金融機関に格納される情報は、金融機関名や金融機関コード等である。電話番号フィールドは、各ユーザの電話番号を格納する。ここで、電話番号が携帯電話である場合、電話番号は端末特定情報として機能する。また、電話番号フィールドの代わりに、各端末に固有に割り振られた端末ＩＤを格納してもよい。パスワードフィールドは、各ユーザに対応するパスワードを格納する。
従って、ユーザは、例えば端末６０にブックマークとして登録しているＵＲＬを送信するのみで、自己を振込処理装置４０に認識させることができる。
図２に戻る。振込情報データベース１２０は、振込処理装置４０を介して行われた振込処理に関する各種情報を格納する。
図４は、振込情報データベース１２０のデータ構成の一例を示す。本例において、振込情報データベース１２０は、振込識別番号、振込元、振込先、金額、振込元受信時刻、振込先受信時刻、実行の各フィールドを有する。各フィールドは、データを互いに対応付けて格納する。振込識別番号フィールドは、振込識別情報の一例である振込識別番号を格納する。振込識別番号は、各振込処理に固有に割り振られた番号である。ここで、番号の変わりに任意の文字列を振込識別情報として用いてもよい。振込元フィールドは、振込元である第１ユーザのユーザＩＤを格納する。振込先フィールドは、振込先である第２ユーザのユーザＩＤを格納する。金額フィールドは、各振込処理で処理された振込金額を格納する。振込元受信時刻フィールドは、第１ユーザから振込元情報を受信した時刻を格納する。振込先受信時刻フィールドは、第２ユーザから振込先情報を受信した時刻を格納する。実行フィールドは、振込が実行されたことを示す情報を格納する。すなわち、第２ユーザから振込先情報を受信していない場合には、振込先、振込先受信時刻、及び実行の各フィールドには情報は格納されない。
図２に戻る。画面格納部１２５は、端末６０に送信される各種画面を格納する。
第１受信部１３０は、第１ユーザの端末６０からＵＲＬによる画面要求、及び端末６０を識別するＩＰアドレスを受信し、要求された画面を画面格納部１２５から読み出して、受信したＩＰアドレスを用いて第１ユーザの端末６０に送信する。また、第１受信部１３０は、第１ユーザの端末６０から、振込元情報、振込金額及びパスワードを受信する。ここで、第１受信部１３０は、振込金額及びパスワードの通知を、振込元情報として受信してもよい。振込元情報を受信した場合、第１受信部１３０は、振込金額、パスワード、受信したＵＲＬ及びＩＰアドレスを第１ユーザ特定部１４０に出力する。
第１ユーザ特定部１４０は、振込金額、パスワード、受信したＵＲＬ及びＩＰアドレスを受信すると、受信したＵＲＬの下位パラメータすなわちユーザＩＤを抽出する。そして、抽出したユーザＩＤに対応するパスワードをユーザデータベース１１０から読み出し、第１受信部１３０から受信したパスワードに照会する。パスワードが一致した場合、第１ユーザ特定部１４０は、振込金額、ユーザＩＤ及びＩＰアドレスを識別情報付与部１５０に出力する。
識別情報付与部１５０は、第１ユーザ特定部から振込金額、ユーザＩＤ及びＩＰアドレスを受信すると、固有の振込識別番号を付与する。この際、発行する日時を特定する情報を振込識別番号に埋め込んでもよい。具体例として、発行する日時に基づいて振込識別番号の特定の桁の数値を変えてもよく、また、複数の桁の数値間の規則性を変えてもよい。そして、識別情報付与部１５０は、付与した振込識別番号及びＩＰアドレスを送信部１７０に出力する。また、識別情報付与部１５０は、時計部１６０を用いて、振込識別番号を付与した時刻を第１受信部１３０が振込元情報を受信した時刻として認識し、認識した時刻、付与した振込識別番号、ユーザＩＤ及び振込金額を互いに対応付けて振込情報データベース１２０に格納する。送信部１７０は、振込識別番号を通知する画面を画面格納部１２５から読み出し、振込識別番号を填め込んで、ＩＰアドレスを用いて第１ユーザの端末６０に送信する。ここで、送信部１７０は、ユーザデータベース１１０からメールアドレスを端末特定情報として読み出し、メールで振込識別番号を第１ユーザの端末６０に送信してもよい。
第２受信部１８０は、第２ユーザの端末６０から、ＵＲＬによる画面要求、及び端末６０を識別するＩＰアドレスを受信し、要求された画面を画面格納部１２５から読み出して、受信したＩＰアドレスを用いて第２ユーザの端末６０に送信する。また、第２受信部１８０は、第２ユーザの端末６０から、振込先情報を受信する。ここで、第２受信部１８０は、振込識別番号の通知を、振込先情報として受信してもよい。振込先情報を受信した場合、第２受信部１８０は、振込識別番号及び受信したＵＲＬをメール作成部１９５に出力する。また、第２受信部１８０は、受信したＵＲＬを受信回数格納部２５０に出力する。また、第２受信部１８０は、受信したＵＲＬの下位パラメータすなわち第２ユーザのユーザＩＤを抽出するとともに、時計部１６０を用いて、ＵＲＬを受信した時刻を認識する。そして、第２受信部１８０は、第２ユーザのユーザＩＤ及び受信した時刻を、振込情報データベース１２０の、受信した振込識別番号に対応する振込先フィールド及び振込先受信時刻フィールドに格納する。
メールデータベース１９０は、図５に例示するように、ユーザに送信する各種メールの雛形を格納する。ここで格納されるメールには、振込の最終確認を行うための確認メール、不正を行っていると判断されるユーザに対する警告メール等が含まれる。警告メールは、例えばその不正度に応じた複数種類が用意されるのが好ましい。
メール作成部１９５は、第２受信部１８０から振込識別番号及びＵＲＬを受信すると、ＵＲＬの下位パラメータすなわち第２ユーザのユーザＩＤを抽出し、このユーザＩＤに対応するユーザ名をユーザデータベース１１０から取得する。また、メール作成部１９５は、振込識別番号を振込情報データベース１２０に照会し、当該振込識別番号に対応付けて格納されている第１ユーザのユーザＩＤ及び金額を取得する。そして、メール作成部１９５は、ユーザデータベース１１０から、振込情報データベース１２０から取得したユーザＩＤに対応して格納されているメールアドレスを取得する。そして、メール作成部１９５は、メールデータベース１９０から振込確認メールの雛形を読み出し、第２ユーザのユーザ名、振込金額を記載した振込確認メールを作成し、取得したメールアドレスと共に確認メール送信部２００に出力する。ここで、振込確認メールには、確認返信用のボタンを添付するのが望ましい。
すなわち、メール作成部１９５は、第２受信部１８０が受信した振込識別番号が振込情報データベース１２０に格納されていないと、次の処理に進まない。従って、振込処理のセキュリティーが向上する。
また、メール作成部１９５は、不正ユーザ選択部２６０からユーザＩＤを受信すると、受信したユーザＩＤに対応するメールアドレスをユーザデータベース１１０から取得する。ここで、ユーザＩＤとともに不正度を受信する場合には、その不正度に応じた警告メールを取得してもよい。そして、メールデータベース１９０から警告メールの雛形を読み出して作成し、警告メールを作成する。そして、メール作成部１９５は、作成した警告メールを、取得したメールアドレスと共に確認メール送信部２００に出力する。
確認メール送信部２００は、メール作成部１９５から受信したメールを、メール作成部１９５から受信したメールアドレス宛に送信する。
合意受信部２１０は、確認メールに対して合意する旨、及び振込識別番号を第１ユーザから受信し、振込識別番号を振込処理部２２０に出力する。
振込処理部２２０は、合意受信部２１０から受信した振込処理番号に対応して振込情報データベース１２０に格納されている振込元のユーザＩＤ、振込先のユーザＩＤ、金額及び振込元情報受信時刻を取得する。そして、振込処理部２２０は、振込識別番号を受信した時刻を認識し、その時刻と、振込元情報受信時刻が所定時間以内であるか否かを確認する。ここで、振込識別番号に発行された日時に由来する規則性がある場合は、その規則性から振込元情報受信時刻を認識してもよい。所定時間以内であることを条件に、振込処理部２２０は、取得した２つのユーザＩＤに対応する金融機関及びその口座番号をユーザデータベース１１０から取得し、振込元の口座から振込先の口座への振込命令を作成し、取得した金額と共に接続部２３０に出力する。そして、振込処理部２２０は、振込情報データベース１２０の、振込識別番号に対応する実行フィールドに、実行済みを示す情報を格納する。さらに、振込処理部２２０は、受信回数格納部２５０に、振込先のユーザＩＤを出力する。
接続部２３０は、振込処理部２２０から受信した振込命令を、振込元の口座を管理する口座管理装置２０に送信する。
受信回数格納部２５０は、第２受信部１８０からＵＲＬを受信すると、その下位パラメータを抽出してユーザＩＤを認識する。そして、図６に例示するデータ構成のように、認識したユーザＩＤ毎に、第２受信部１８０の受信回数をカウントして保持する。また、受信回数格納部２５０は、振込処理部２２０からユーザＩＤを受信すると、そのユーザＩＤに対応して格納されている受信回数を受信回数ほど減ずる。
不正ユーザ選択部２６０は、所定の時期、例えば毎日の定められた時刻が来ると、受信回数格納部２５０に格納されているカウント値が一定以上のユーザを不正ユーザと見なしてそのユーザＩＤを選択し、メール作成部１９５に出力する。ここで、不正ユーザ選択部２６０は、一定時間毎、例えば１時間毎に、上述した動作を行ってもよい。また、例えばカウント値の大きさ等により、その不正度をランク付けしてメール作成部１９５に出力してもよい。
従って、振込処理装置４０は、不正ユーザ選択部２６０を用いて不正な受取を試みるユーザを検知し、メール作成部１９５に出力するので、不正ユーザに対して適切な対応をとることができる。すなわち、振込処理装置４０のセキュリティーは高くなる。
図７は、本振込処理システムのユーザ登録処理の一例を示す。まず、ユーザが端末６０にアクセス要求を入力する（Ｓ１０）と、端末６０は、振込処理装置４０に登録画面の要求を送信する（Ｓ２０）。振込処理装置４０の第１受信部１３０は、画面格納部１２５から登録画面を読み出し（Ｓ３０）、端末６０に送信する（Ｓ４０）。端末６０は、受信した登録画面を表示する（Ｓ５０）。そして、端末６０は、ユーザから登録に必要なユーザ情報を取得する（Ｓ６０）と、取得したユーザ情報を振込処理装置４０に送信する（Ｓ７０）。
振込処理装置４０は、受信したユーザ情報に基づき、ユーザ登録をするか判断する（Ｓ８０）。ユーザ登録すると判断した場合、そのユーザに固有のＵＲＬ、例えばユーザＩＤを発行し（Ｓ１００）、ＵＲＬをユーザ情報と共にユーザデータベース１１０に格納する（Ｓ１１０）。そして、振込処理装置４０は、発行したＵＲＬを端末６０に送信する（Ｓ１２０）。この際、振込処理装置４０は、端末６０にＵＲＬをブックマークとして登録すべき旨の通知、あるいはＵＲＬをブックマークとして登録するプログラムを送信を行っても良い。
端末６０は、ユーザの指示に基づきＵＲＬを格納する（Ｓ１３０）。この際、端末６０は、プログラムによりＵＲＬを自動で格納してもよい。
図８、図９、図１０は、本振込処理システムの振込処理の一例を示す。図９は図８の続きの処理を示しており、図１０は図９の続きの処理を示す。
図１１は、図８〜図１０の処理における第１ユーザの端末６０の画面表示の一例を示す。図１２は、図８〜図１０の処理における第２ユーザの端末６０の画面表示の一例を示す。
まず、図８に示すように、第１ユーザの端末６０は、ユーザの指示に基づきＵＲＬを読み出し（Ｓ２００）、読み出したＵＲＬを用いて振込処理装置４０にアクセスする（Ｓ２１０）。振込処理装置４０の第１受信部１３０は、画面格納部１２５から初期画面を読み出し（Ｓ２２０）、第１ユーザの端末６０に送信する（Ｓ２３０）。ここで、第１受信部１３０は、ＵＲＬを保持しておく。
そして、第１ユーザの端末６０は、初期画面を表示する（Ｓ２４０）。ここで表示される初期画面には、図１１（Ａ）に例示するように、振込ボタン及び受取ボタンが表示される。第１のユーザは、振込ボタンを選択する（Ｓ２５０）。第１ユーザの端末６０は、振込元情報を振込処理装置４０に送信する（Ｓ２６０）。振込処理装置４０の第１受信部１３０は、振込元情報を受信すると、振込金額及びパスワードを入力する画面を画面格納部１２５から読み出し（Ｓ２７０）、第１ユーザの端末６０に送信する（Ｓ２８０）。
そして、第１ユーザの端末６０は、図１１（Ｂ）に例示される、振込金額及びパスワードを入力する画面を表示する（Ｓ２９０）。第１のユーザ端末６０は、第１のユーザから、振込金額及びパスワードを取得する（Ｓ３００）と、取得した振込金額及びパスワードを振込処理装置４０に送信する（Ｓ３１０）。振込処理装置４０の第１ユーザ特定部１４０は、第１受信部１３０からＵＲＬ、パスワード、振込金額を受信し、ＵＲＬすなわちユーザＩＤとパスワードの組合せがユーザデータベース１１０内の組合せと一致するか確認する（Ｓ３２０）。一致する場合、識別情報付与部１５０は、振込識別番号を付与し（Ｓ３４０）、送信部１７０を介して第１ユーザの端末６０に振込識別番号を送信する（Ｓ３５０）と共に、振込情報データベース１２０に、振込識別番号をＵＲＬすなわちユーザＩＤに対応付けて格納する（Ｓ３６０）。
また、第２ユーザの端末６０及び振込処理装置４０は、図９に示す動作を、図８の処理に並行して行う。
まず、第２ユーザの端末６０は、ユーザの指示に基づきＵＲＬを読み出し（Ｓ４００）、読み出したＵＲＬを用いて振込処理装置４０にアクセスする（Ｓ４１０）。振込処理装置４０の第２受信部１８０は、画面格納部１２５から初期画面を読み出し（Ｓ４２０）、第２ユーザの端末６０に送信する（Ｓ４３０）。ここで、第２受信部１８０は、ＵＲＬを保持しておく。そして、第２ユーザの端末６０は、初期画面を表示する（Ｓ４４０）。ここで表示される初期画面には、図１２（Ａ）に例示するように、振込ボタン及び受取ボタンが表示される。第２のユーザは、受取ボタンを選択する（Ｓ４５０）。第２ユーザの端末６０は、振込元情報を振込処理装置４０に送信する（Ｓ４６０）。振込処理装置４０の第２受信部１８０は、振込元情報を受信すると、振込識別番号を入力する画面を画面格納部１２５から読み出し（Ｓ４７０）、第２ユーザの端末６０に送信する（Ｓ４８０）。そして、第２ユーザの端末６０は、図１２（Ｂ）に例示される、振込金額及びパスワードを入力する画面を表示する（Ｓ４９０）。
そして、第１ユーザの端末６０は、Ｓ４９０までに、Ｓ３５０で受信した振込識別番号を表示する（Ｓ３６０）。第１ユーザは、第２ユーザに、第１ユーザの端末６０に表示された振込識別情報を通知する。
第２ユーザの端末６０は、第２のユーザから、振込識別番号を取得する（Ｓ５００）と、取得した振込識別番号を振込処理装置４０に送信する（Ｓ５１０）。振込処理装置４０の受信回数格納部２５０は、当該第２ユーザのカウント値を増加して更新する（Ｓ５１５）。
そして、第１ユーザの端末６０、第２ユーザの端末６０、及び振込処理装置４０は、図１０に示す処理を行う。
まず、振込処理装置４０のメール作成部１９５は、第２受信部１８０が受信した振込識別番号を振込情報データベース１２０に照会する（Ｓ５２０）。振込識別番号がある場合（Ｓ５３０）は、第２ユーザのユーザＩＤをＵＲＬから抽出すると共に、当該振込識別番号に対応して格納されている第１ユーザのユーザＩＤ（ＵＲＬ）を取得する（Ｓ５４０）。そして、メール作成部１９５は、ユーザデータベース１１０から、第１ユーザのユーザＩＤ（ＵＲＬ）に対応するメールアドレスを取得し（Ｓ５５０）、振込確認メールを作成して（Ｓ５６０）、第１ユーザの端末６０に送信する（Ｓ５７０）。第１のユーザ端末６０は、図１１（Ｄ）に例示するように、受信した振込確認メールを表示する（Ｓ５８０）。ここでの表示には、第２ユーザの名称、振込金額が含まれる。
また、振込処理装置４０の第２受信部１８０は、振込確認メールの送信（Ｓ５７０）の後、待ち画面を読み出して（Ｓ５９０）、第２ユーザの端末６０に送信する（Ｓ６００）。第２ユーザの端末６０は、図１２（Ｃ）に例示するように、受信した待ち画面を表示する（Ｓ６１０）。
第１ユーザの端末６０は、振込確認メールの表示（Ｓ５８０）の後、第１ユーザから振込確認の入力を受ける（Ｓ６２０）と、振込合意を示す情報を振込処理装置４０に送信する（Ｓ６３０）。振込処理装置４０の振込処理部２２０は、第１受信部１３０のＵＲＬ受信時と、合意受信部２１０の合意受信時の間が所定の時間以内である場合、すなわちタイムアウトしていない場合（Ｓ６４０）に、振込処理を行う（Ｓ６５０）。そして、振込処理装置４０は、通知画面を読み出し（Ｓ６６０）、読み出した通知画面を第１ユーザの端末６０に送信する（Ｓ６７０）とともに、第２ユーザの端末６０に送信する（Ｓ６８０）。
そして、振込処理装置４０の振込処理部２２０は、振込情報データベース１２０の実行フィールドを更新する（Ｓ６９０）。また、受信回数格納部２５０は、ユーザＩＤ毎のカウント数を更新する（Ｓ６９５）。第１ユーザの端末６０は、図１１（Ｅ）に例示される通知画面を表示する（Ｓ７００）。第２ユーザの端末６０は、図１２（Ｄ）に例示される通知画面を表示する（Ｓ７１０）。
従って、本振込処理システムは、振込元情報を送信した第１ユーザと、第１ユーザ特定情報と振込先情報を送信した第２ユーザをマッチングして振込処理を行う。従って、簡単かつ安全に第１ユーザから第２ユーザへの振込処理を行うことができる。また、通信で同時に流れる情報は、各振込処理毎に発行される振込識別番号、或いは振込金額及びパスワード、或いは振込金額及び第２ユーザ名、或いはＵＲＬ、という組合せであるため、セキュリティーは高い。また、振込金額、ユーザＩＤ、振込識別番号等の振込情報の送信をＩＰアドレスによる端末指定で行い、最終確認をメールで行うため、セキュリティーは更に高くなる。
図１３は、振込処理装置４０のハードウェア構成を示す図である。振込処理装置４０は、ＣＰＵ７００と、ＲＯＭ７０２と、ＲＡＭ７０４と、通信インタフェース７０６と、ハードディスクドライブ７０８と、データベースインタフェース７１０と、フロッピーディスクドライブ７１２と、ＣＤ−ＲＯＭドライブ７１４とを備える。ＣＰＵ７００は、ＲＯＭ７０２及びＲＡＭ７０４に格納されたプログラムに基づいて動作する。通信インタフェース７０５は、専用線１６を介して口座管理装置２０と通信する。通信インタフェース７０６は、インターネット１０を介して外部と通信する。データベースインタフェース７１０は、データベースへのデータの書込、及びデータベースの内容の更新を行う。格納装置の一例としてのハードディスクドライブ７０８は、設定情報及びＣＰＵ７００が動作するプログラムを格納する。
フロッピーディスクドライブ７１２はフロッピーディスク７２０からデータまたはプログラムを読み取りＣＰＵ７００に提供する。ＣＤ−ＲＯＭドライブ７１４はＣＤ−ＲＯＭ７２２からデータまたはプログラムを読み取りＣＰＵ７００に提供する。通信インタフェース７０６は、インターネット１０に接続してデータを送受信する。データベースインタフェース７１０は、各種データベース７２４と接続してデータを送受信する。
ＣＰＵ７００が実行するソフトウェアは、フロッピーディスク（商標）７２０またはＣＤ−ＲＯＭ７２２等の記録媒体に格納されて利用者に提供される。記録媒体に格納されたソフトウェアは圧縮されていても非圧縮であっても良い。ソフトウェアは記録媒体からハードディスクドライブ７０８にインストールされ、ＲＡＭ７０４に読み出されてＣＰＵ７００により実行される。
記録媒体に格納されて提供されるソフトウェア、即ちハードディスクドライブ７０８にインストールされるソフトウェアは、機能構成として、第１受信モジュール、第１ユーザ特定モジュール、識別情報付与モジュール、送信モジュール、第２受信モジュール、メール作成モジュール、確認メール送信モジュール、合意受信モジュール、振込処理モジュール、及び接続モジュールを有する。前記各モジュールがコンピュータに働きかけて、ＣＰＵ７００に行わせる処理は、それぞれ本実施形態の振込処理装置４０における、対応する部材の機能及び動作と同一であるから、説明を省略する。
図１３に示した、記録媒体の一例としてのフロッピーディスク７２０またはＣＤ−ＲＯＭ７２２には、本出願で説明した全ての実施形態における振込処理装置４０の動作の一部または全ての機能を格納することができる。
これらのプログラムは記録媒体から直接ＲＡＭに読み出されて実行されても、一旦ハードディスクドライブにインストールされた後にＲＡＭに読み出されて実行されても良い。更に、上記プログラムは単一の記録媒体に格納されても複数の記録媒体に格納されても良い。又、符号化した形態で格納されていてもよい。
記録媒体としては、フロッピーディスク、ＣＤ−ＲＯＭの他にも、ＤＶＤ等の光学記録媒体、ＭＤ等の磁気記録媒体、ＰＤ等の光磁気記録媒体、テープ媒体、磁気記録媒体、ＩＣカードやミニチュアーカードなどの半導体メモリー等を用いることができる。又、専用通信ネットワークやインターネットに接続されたサーバシステムに設けたハードディスクまたはＲＡＭ等の格納装置を記録媒体として使用し、通信網を介してプログラムを振込処理装置４０に提供してもよい。このような記録媒体は、振込処理装置４０を製造するためのみに使用されるものであり、そのような記録媒体の業としての製造および販売等が本出願に基づく特許権の侵害を構成することは明らかである。
図１４は、第２の実施形態に用いる端末６０の機能構成を示す。本形態の振込処理システムは、端末６０の構成以外は第１の実施形態と概略同じである。本形態における端末６０は、第１の実施形態における振込処理装置４０と協働して、振込処理を行う。ただし、振込処理装置４０の第１受信部１３０及び第２受信部１８０は、初期画面、金額及びパスワードを入力する画面、振込番号を入力する画面の送信は行わない。
本形態の端末６０は、特定情報格納部３００、起動部３１０、表示部３２０、及びメール受信部３４０を備える。表示部３２０は、更に、初期画面表示部３２２、金額・パスワード入力表示部３２４、振込番号入力表示部３２８、メール表示部３３２、確認取得部３３４、及び送信部３３６を有する。
特定情報格納部３００は、振込処理装置４０にアクセスする際に用いるＵＲＬを格納する。このＵＲＬは、ユーザデータベース１１０に格納されているＵＲＬである。
起動部３１０は、ユーザから起動命令を取得し、初期画面表示部３２２に出力する。
初期画面表示部３２２は、図１１（Ａ）に例示した初期画面を表示する。また、初期画面表示部３２２は、ユーザから振込を希望するか受取を希望するかを示す情報を取得する。振込を希望する旨を取得した場合、初期画面表示部３２２はその旨を金額・パスワード入力表示部３２４に出力し、受取を希望する旨を取得した場合、初期画面表示部３２２はその旨を振込番号入力表示部３２８に出力する。
金額・パスワード入力表示部３２４は、図１１（Ｂ）に例示した、金額及びパスワードの入力画面を表示する。また、金額・パスワード入力表示部３２４は、ユーザから振込金額及びパスワードを取得し、送信部３３６に出力する。
振込番号入力表示部３２８は、図１２（Ｂ）に例示した、振込識別番号の入力画面を表示する。また、振込番号入力表示部３２８は、ユーザから振込識別番号を取得し、送信部３３６に出力する。
メール表示部３３２は、図１１（Ｃ）に例示した、メール受信部３４０から受信したメールを表示する。また、メール表示部３３２は、ユーザから振込に対し合意する旨の情報を取得し、送信部３３６に送信する。
送信部３３６は、金額・パスワード入力表示部３２４から金額及びパスワードを取得すると、特定情報格納部３００からＵＲＬを取得し、ＵＲＬを用いて振込処理装置４０にアクセスし、金額及びパスワードを送信する。また、送信部３３６は、振込番号入力表示部３２８から振込識別番号を取得すると、特定情報格納部３００からＵＲＬを取得し、ＵＲＬを用いて振込処理装置４０にアクセスし、振込識別番号を送信する。また、送信部３３６は、メール表示部３３２から合意する旨の情報を取得すると、特定情報格納部３００からＵＲＬを取得し、ＵＲＬを用いて振込処理装置４０にアクセスし、合意する旨の情報を送信する。
図１５は、本実施形態における振込処理システムの振込処理の一部を示す。本図は、第１の実施形態における振込処理システムの動作のうち、図８に相当する。すなわち、図１５の処理の後は、図９、図１０に示す処理が行われる。
まず、第１ユーザの端末６０は、第１ユーザの指示に従ってＵＲＬを読み出す（Ｓ８００）とともに、図１１（Ａ）に例示する初期画面を表示する（Ｓ８１０）。第１ユーザが振込を選択した旨を取得する（Ｓ８２０）と、第１ユーザの端末６０は、振込金額及びパスワードを入力する画面を表示する（Ｓ８３０）。第１ユーザから金額及びパスワードを取得する（Ｓ８４０）と、第１ユーザの端末６０は、振込元情報であるＵＲＬを用いて、振込処理装置４０にアクセスし、振込元情報、振込金額及びパスワードを送信する（Ｓ８５０）。振込処理装置４０は、受信したＵＲＬとパスワードの組合せが、ユーザデータベース１１０に格納されているＵＲＬとパスワードの組合せに一致した場合（Ｓ８６０）、振込識別番号を発行し（Ｓ８７０）、発行した振込識別番号を第１ユーザの端末６０に送信する（Ｓ８８０）と共に、発行した振込識別番号をＵＲＬすなわちユーザＩＤに対応付けて振込情報データベース１２０に格納する（Ｓ８９０）。
従って、本実施形態における振込処理システムによれば、振込処理時の第１ユーザの端末６０と振込処理装置４０との間の情報送信回数及び量を低減することができる。
図１６は、本発明の第３の実施形態に用いる振込処理装置４２の構成を示す。本形態において、振込処理装置４２は、第１の実施形態の振込処理装置４０と概略同じであるが、振込情報データベース１２０のデータ構成、画面格納部１２５に格納されている画面の数及びその種類、第１受信部１３０、メール作成部１９５、振込処理部２２０の動作が異なる点、及び人数確認部２４０を有する点で異なる。本振込処理システムにおいて、振込処理装置４２は、第１のユーザ端末６０から、受取依頼を示す振込先情報、振込元の人数、及びその金額を受信する。また、振込処理装置４２は、第２のユーザ端末６０から、振込依頼を示す振込先情報及び第１ユーザを特定する情報を受信する。そして、本振込処理システムは、第１ユーザを特定する情報をキーに第１ユーザ及び第２ユーザをマッチングさせ、第２ユーザの口座から第１ユーザの口座への振込処理を行うように、第２ユーザの口座を管理する口座管理装置２０に出力する。ここで、振込処理装置４２は、第１ユーザから受け取った金額を振込元の人数で割ることで、各第２ユーザが振り込むべき金額を算出して第２ユーザに通知する。
本形態における振込情報データベース１２０は、図１７に例示するように、振込元人数及び振込済人数を格納するフィールドを有する点、及び振込先受信時刻フィールドと実行フィールドを有さない点で、振込処理装置４０と異なる。ここで、振込先受信時刻フィールドと実行フィールドを有してもよい。
第１受信部１３０は、振込処理装置４０における第１受信部１３０と同じ動作を行う他、第１ユーザの端末６０から振込元人数を受信し、振込情報データベース１２０の振込元人数フィールドに、振込識別番号に対応付けて格納する。また、第１受信部１３０が第１ユーザの端末６０から受信するのは振込元情報ではなく、振込先情報である。ここで受信する振込元人数は、第１ユーザを含んだ人数、すなわち実際の振込元人数に１を足した数字であってもよいし、第１ユーザを含まない数値であってもよい。
メール作成部１９５は、第２受信部１８０から振込識別番号及びＵＲＬを受信すると、振込情報データベース１２０から、振込識別番号に対応する第１ユーザのユーザＩＤを取得し、このユーザＩＤに対応するユーザ名をユーザデータベース１１０から取得する。また、メール作成部１９５は、振込情報データベース１２０から、受信した振込識別番号に対応する振込元人数及び金額を読み出し、該金額を該振込元人数でわることで、第２ユーザが振り込むべき金額を算出する。第１受信部１３０が受信した人数が、第１ユーザを含まない人数である場合、メール作成部１９５は、振込元人数に１を足して金額算出を行ってもよい。そして、メール作成部１９５は、メールデータベース１９０から、振込確認メールの雛形を読み出し、第１ユーザのユーザ名、算出した振込金額を記載した振込確認メールを作成し、取得したメールアドレスと共に確認メール送信部２００に出力する。ここで、振込確認メールには、確認返信用のボタンを添付するのが望ましい。
また、メール作成部１９５は、人数確認部２４０から振込が完了していない旨、ユーザＩＤ、及び振込識別番号を受信すると、該ユーザＩＤに対応するメールアドレスをユーザデータベース１１０から取得する。そして、メールデータベース１９０から、振込が完了していない旨を示すメールを取得し、メールアドレスと共に確認メール送信部２００に出力する。
また、メール作成部１９５は、人数確認部２４０から振り込みが完了した旨、第１ユーザのユーザＩＤ、振込元すなわち第２ユーザのＩＤ、及び振込金額を受信すると、第１ユーザのユーザＩＤに対応するメールアドレスを取得するとともに、第２ユーザのユーザＩＤに対応するユーザ名を取得する。そして、メールデータベース１９０から、メールの雛形を取得し、該雛形を用いて、振込が完了した旨、及び振込元氏名すなわち第２ユーザ名、及び振込金額を通知するメールを作成する。そして、メール作成部１９５は、作成したメールを取得したメールアドレスと共に確認メール送信部２００に出力する。
振込処理部２２０は、振込処理装置４０の振込処理部２２０と同じ動作をする他、本発明に係るカウント部を兼ねる。すなわち、振込処理部２２０は、振込処理が行われると、当該振込処理の振込識別番号に対応する振込済人数フィールドの数値を１増加させる。ここで、振込済人数フィールドの数値と振込元人数フィールドの数値と一致するようになった場合、実行フィールドに、振込が実行された旨を格納する。また、振込処理部２２０は、振込処理が行われるたびに、当該振込処理の振込識別番号を人数確認部２４０に出力する。
人数確認部２４０は、一定時間毎に、振込情報データベース１２０に照会し、振込先受信時刻から一定時間経過したにもかかわらず実行フィールドに振込が実行された旨が格納されていいない振込処理を認識し、振込処理が完了していない旨、該振込処理の振込先フィールドのユーザＩＤ及び振込識別番号をメール作成部１９５に出力する。
また、人数確認部２４０は、振込処理部２２０から振込識別番号を受信すると、振込情報データベース１２０に照会し、当該振込識別番号に対応する実行フィールドに実行された旨を示す情報が格納されているか否か確認する。格納されている場合、第１ユーザのユーザＩＤ、振込元すなわち第２ユーザのＩＤ、及び振込金額を振込情報データベース１２０から読み出し、振り込みが完了した旨を示す情報と共にメール作成部１９５に出力する。
図１８、図１９、図２０は、本振込処理システムの振込処理の一例を示す。図１９は図１８の続きの処理を示しており、図２０は図１９の続きの処理を示す。
図２１は、図１８〜図２０の処理における第１ユーザの端末６０の画面表示の一例を示す。図２２は、図１８〜図２０の処理における第２ユーザの端末６０の画面表示の一例を示す。
まず、図１８に示すように、第１ユーザの端末６０は、ユーザの指示に基づきＵＲＬを読み出し（Ｓ９００）、読み出したＵＲＬを用いて振込処理装置４２にアクセスする（Ｓ９１０）。振込処理装置４２の第１受信部１３０は、画面格納部１２５から初期画面を読み出し（Ｓ９２０）、第１ユーザの端末６０に送信する（Ｓ９３０）。ここで、第１受信部１３０は、ＵＲＬを保持しておく。
そして、第１ユーザの端末６０は、初期画面を表示する（Ｓ９４０）。ここで表示される初期画面には、図２１（Ａ）に例示するように、振込ボタン、受取ボタン及び割り勘ボタンが表示される。振込ボタン又は受取ボタンを選択したときの本振込処理システムの動作は、第１の実施形態と同様である。
第１ユーザは、割勘ボタンを選択し、第１ユーザの端末６０は、割勘選択を取得する（Ｓ９５０）。第１ユーザの端末６０は、振込処理装置４２に割勘画面を要求する（Ｓ９６０）。振込処理装置４２の第１受信部１３０は、画面格納部１２５から割勘画面を読み出し（Ｓ９７０）、第１ユーザの端末６０に割勘画面を送信する（Ｓ９８０）。
第１ユーザの端末６０は、図２１（Ｂ）に例示される割勘画面を表示する（Ｓ９９０）。割勘画面には、振込先であることを示すオーナーボタンと、振込元であることを示す払いボタンが表示される。第１ユーザの端末６０は、オーナーボタンが選択されたことを示す情報を取得する（Ｓ１０００）と、振込先情報を振込処理装置４２に送信する（Ｓ１０１０）。振込処理装置４２の第１受信部１３０は、画面格納部１２５から金額、振込元の人数、及びパスワードを入力する画面を読み出し（Ｓ１０２０）、第１ユーザの端末６０に送信する（Ｓ１０３０）。
第１ユーザの端末６０は、図２１（Ｃ）に例示される、振込金額、振込元の人数、及びパスワードを入力する画面を表示する（Ｓ１０４０）。第１ユーザの端末６０は、第１ユーザから、振込金額、振込元の人数、及びパスワードを取得する（Ｓ１０５０）と、取得した振込金額、振込元の人数、及びパスワードを送信する（Ｓ１０６０）。振込処理装置４２の第１ユーザ特定部１４０は、第１受信部からＵＲＬ、パスワード、振込金額、及び振込元の人数を受信し、ＵＲＬすなわちユーザＩＤとパスワードの組合せがユーザデータベース１１０内の組合せと一致するか確認する（Ｓ１０７０）。一致する場合、識別情報付与部１５０は、振込識別番号を付与し（Ｓ１０８０）、送信部１７０を介して第１ユーザの端末６０に振込識別番号を送信する（Ｓ１０９０）とともに、振込情報データベース１２０に、振込識別番号をＵＲＬすなわちユーザＩＤ、振込元人数、及び金額に対応付けて格納する。なお、Ｓ１０５０〜Ｓ１０８０の処理において、パスワードを用いなくてもよい。この場合、Ｓ１０７０のステップは省略される。
また、第２ユーザの端末６０及び振込処理装置４２は、図１９に示す動作を図１８の処理に並行して行う。
まず、第２ユーザの端末６０は、ユーザの指示に基づきＵＲＬを読み出し（Ｓ１２００）、読み出したＵＲＬを用いて振込処理装置４２にアクセスする（Ｓ１２１０）。振込処理装置４２の第２受信部１８０は、画面格納部１２５から初期画面を読み出し（Ｓ１２２０）、第２ユーザの端末６０に送信する（Ｓ１２３０）。ここで、第２受信部１８０は、ＵＲＬを保持しておく。そして、第２ユーザの端末６０は、初期画面を表示する（Ｓ１２４０）。ここで表示される初期画面には、図２２（Ａ）に例示するように、振込ボタン、受取ボタン及び割り勘ボタンが表示される。振込ボタン又は受取ボタンを選択したときの本振込処理システムの動作は、第１の実施形態と同様である。
第２ユーザは、割勘ボタンを選択し、第２ユーザの端末６０は、割勘選択を取得する（Ｓ１２５０）。第２ユーザの端末６０は、振込処理装置４２に割勘画面を要求する（Ｓ１２６０）。振込処理装置４２の第２受信部１８０は、画面格納部１２５から割勘画面を読み出し（Ｓ１２７０）、第２ユーザの端末６０に割勘画面を送信する（Ｓ１２８０）。
第２ユーザの端末６０は、図２２（Ｂ）に例示される割勘画面を表示する（Ｓ１２９０）。割勘画面には、振込先であることを示すオーナーボタンと、振込元であることを示す払いボタンが表示される。第２ユーザの端末６０は、払いボタンが選択されたことを示す情報を取得する（Ｓ１３００）と、振込元情報を振込処理装置４２に送信する（Ｓ１３１０）。振込処理装置４２の第２受信部１８０は、画面格納部１２５から振込識別番号を入力する画面を読み出し（Ｓ１３２０）、第１ユーザの端末６０に送信する（Ｓ１３３０）。第２ユーザの端末６０は、図２２（Ｃ）に例示される、振込識別番号及びパスワードを入力する画面を表示する（Ｓ１３４０）。
そして、第１ユーザの端末６０は、Ｓ１３４０までに、Ｓ１０９０で受信した振込識別番号を表示する（Ｓ１１００）。第１ユーザは、第２ユーザに、第１ユーザの端末６０に表示された振込識別番号を通知する。
第２ユーザの端末６０は、第２ユーザから、振込識別番号及びパスワードを取得する（Ｓ１３５０）と、取得した振込識別番号及びパスワードを送信する（Ｓ１３６０）。振込処理装置４２の受信回数格納部２５０は、当該第２ユーザのカウント値を増加して更新する（Ｓ１３７０）。
そして、第１ユーザの端末６０、第２ユーザの端末６０、及び振込処理装置４２は、図２０に示す処理を行う。
まず、振込処理装置４２のメール作成部１９５は、第２受信部１８０が受信した振込識別番号を振込情報データベース１２０に照会する（Ｓ１３８０）。振込識別番号がある場合（Ｓ１３９０）は、第２ユーザのＵＲＬからユーザＩＤを抽出し、ユーザＩＤとパスワードの組合せが、ユーザデータベース１１０内の組合せと一致するか確認する（Ｓ１４００）。一致する場合、ユーザデータベース１１０から第２ユーザのユーザＩＤ（ＵＲＬ）に対応するメールアドレスを取得する（Ｓ１４１０）。そして、メール作成部１９５は、振込確認メールを作成して（Ｓ１４２０）、第２ユーザの端末６０に送信する（Ｓ１４３０）。
第２ユーザの端末６０は、図２２（Ｄ）に例示するように、受信した振込確認メールを表示する（Ｓ１４４０）。ここでの表示には、第１ユーザの名称、及び振込金額が含まれる。そして、第２ユーザの端末６０は、第２ユーザから振込確認の入力を受ける（Ｓ１４５０）と、振込合意を示す情報を振込処理装置４２に送信する（Ｓ１４６０）。振込処理装置４０の振込処理部２２０は、第１受信部１３０のＵＲＬ受信時と、合意受信部２１０の合意受信時の間が所定の時間以内である場合、すなわちタイムアウトしていない場合（Ｓ１４７０）に、振込処理を行う（Ｓ１４８０）。そして、振込処理装置４２は、通知画面を読み出し（Ｓ１４９０）、読み出した通知画面を第２ユーザの端末６０に送信する（Ｓ１５００）。第２ユーザの端末６０は、通知画面を表示する（Ｓ１５１０）。
また、振込処理装置４２の人数確認部２４０は、当該振込処理番号の振込処理が完了しているかを、振込情報データベース１２０の実行フィールドに照会し、振込元の人数と振込済みの人数が一致しているか確認する（Ｓ１５２０）。一致している場合、振込処理装置４２の確認メール送信部２００は、振込が完了した旨を示すメールを作成して第１ユーザの端末６０に送信する（Ｓ１５３０）。第１ユーザの端末６０は、図２１（Ｅ）に例示する、振込終了通知を表示する。この際、メールには、振込元を特定する情報及び振込金額が含まれていてもよい。
そして、振込処理部４２の振込処理部２２０は、振込情報データベース１２０の実行フィールドを更新する（Ｓ１５５０）。また、受信回数格納部２５０は、ユーザＩＤ毎にカウント数を更新する（Ｓ１５６０）。
従って、本振込処理システムを用いると、簡単かつ安全に割勘処理を行うことができる。また、ユーザーが、一人当たりの人数を算出する必要はない。
図２３は、本発明の第４の実施形態に用いる振込処理装置４４の構成を示す。本形態において、振込処理装置４４は、第１の実施形態の振込処理装置４０と概略同じであるが、ユーザデータベース１１０のデータ構成、振込情報データベース１２０のデータ構成、画面格納部１２５に格納されている画面の数及びその種類、第１受信部１３０、第１ユーザ特定部１４０、識別情報付与部１５０、第２受信部１８０、メール作成部１９５、振込処理部２２０の動作が異なる点、及び送信部１７０の代わりに通知部２７０を有する
点で異なる。
本振込処理システムにおいて、振込処理装置４４は、第１のユーザ端末６０から、振込依頼を示す振込元情報、振込金額、及び振込先となる第２ユーザを指定する情報を受信する。そして、振込処理装置４４は、指定された第２ユーザの端末６０に、振込がある旨を通知する。そして、振込処理装置４４は、第２ユーザの端末６０から、受取依頼を示す振込元情報として、振込を了解する旨を受信する。そして、本振込処理システムは、第１ユーザを特定する情報をキーに第１ユーザ及び第２ユーザをマッチングさせ、第１ユーザの口座から第２ユーザの口座への振込処理を行うように、第１ユーザの口座を管理する口座管理装置２０に出力する。
図２４に例示するように、本形態におけるユーザデータベース１１０は、振込処理装置４０のユーザデータベース１１０と同様のデータ構成を有するほか、さらに、候補ユーザフィールドを有する。本フィールドは、振込処理の相手の候補のユーザＩＤを、各ユーザに対応付けて格納する。すなわち、本フィールドには、各ユーザが頻繁に取引を行う相手のユーザＩＤが登録される。
図２５に例示するように、本形態における振込情報データベース１２０は、振込処理装置４０の振込情報データベース１２０と同様のデータ構成を有する他、ＵＲＬの上位パラメータを格納するＵＲＬフィールドを有する。本フィールドに格納されるＵＲＬに、振込識別番号を下位パラメータとして加えることで、各振込処理に固有のＵＲＬが構成される。
本形態における第１受信部１３０は、振込処理装置４０の第１受信部１３０と同様の機能を有する他、第１ユーザの端末６０から第２ユーザの指定としてユーザＩＤを受信し、第１ユーザ特定部１４０に出力する。
本形態における第１ユーザ特定部１４０は、振込処理装置４０の第１ユーザ特定部１４０と同様の機能を有する他、第１ユーザ受信部１３０から受信したユーザＩＤを用いて第２ユーザのメールアドレスをユーザデータベース１１０から取得し、第１ユーザのユーザＩＤに対応付けて識別情報付与部１５０に出力する。ここで、第１ユーザの氏名をユーザデータベース１１０から取得し、ユーザＩＤの代わりに識別情報付与部１５０に出力してもよい。
本形態における識別情報付与部１５０は、振込処理装置４０の識別情報付与部１５０と同様の機能を有する他、振込情報データベース１２０からＵＲＬの上位パラメータを取得し、取得したＵＲＬに、発行した振込識別番号を下位パラメータとして組み合わせることで、各振込処理に固有のＵＲＬを生成し、第２ユーザのメールアドレスに対応付けて通知部２７０に出力する。また、識別情報付与部１５０は、振込情報データベース１２０に、第２ユーザのユーザＩＤを、第１ユーザのユーザＩＤに対応付けて格納する。
通知部２７０は、識別情報付与部１５０から受信したメールアドレス宛に、識別情報付与部１５０から受信したＵＲＬを通知するメールを送信する。ここで、通知部は、ＵＲＬを埋め込んだボタンを送信してもよい。
本形態における第２受信部１８０は、第２ユーザの端末６０からＵＲＬを受信すると、受信したＵＲＬの下位パラメータから振込識別番号を抽出する。そして、抽出したＵＲＬ識別番号を用いて第２ユーザのユーザＩＤを認識する。また、振込処理部２２０から第１ユーザから合意情報を受信した旨を受信すると、その旨を通知する画面を画面格納部１２５から読み出し、第２ユーザの端末６０に、ＵＲＬに対する返信として送信する。本形態における第２受信部１８０は、振込識別番号及び第２ユーザのユーザＩＤを認識する動作以外は、振込処理装置４０の第２受信部１８０と機能は概略同じなので説明を省略する。
本形態におけるメール作成部１９５は、第２受信部１８０から振込識別番号を受信すると、受信した振込識別番号及び振込処理データベース１２０を用いて第２ユーザのユーザＩＤを認識する。これ以外の動作は、振込処理装置４０のメール作成部１９５と機能は概略同じなので説明を省略する。
本形態の振込処理部２２０は、第１ユーザの端末６０から合意情報を受信すると、第２受信部１８０にその旨を出力する。また、振込処理部２２０は、第２ユーザの端末６０から合意情報を受信すると、振込処理装置４０の振込処理部２２０と同様に振込処理を行う。
図２６及び図２７は、本振込処理システムの振込処理の一例を示す。図２６は図１８の続きの処理を示す。
図２８は、図２６及び図２７の処理における第１ユーザの端末６０の画面表示の一例を示す。図２９は、図２６及び図２７の処理における第２ユーザの端末６０の画面表示の一例を示す。
まず、図２６に示すように、第１ユーザの端末６０は、ユーザの指示に基づきＵＲＬを読み出し（Ｓ１６００）、読み出したＵＲＬを用いて振込処理装置４４にアクセスする（Ｓ１６１０）。振込処理装置４４の第１受信部１３０は、画面格納部１２５から初期画面を読み出し（Ｓ１６２０）、第１ユーザの端末６０に送信する（Ｓ１６３０）。ここで、第１受信部１３０は、ＵＲＬを保持しておく。
そして、第１ユーザの端末６０は、初期画面を表示する（Ｓ１６４０）。ここで表示される初期画面には、図２８（Ａ）に例示するように、振込ボタン、受取ボタン、及び割勘ボタンが表示される。第１のユーザは、振込ボタンを選択する（Ｓ１６５０）と、振込元情報を振込処理装置４４に送信する（Ｓ１６６０）。振込処理装置４４の第１受信部１３０は、振込元情報を受信すると、振込金額、パスワード、及び第２ユーザを入力する画面を画面格納部１２５から読み出し（Ｓ１６７０）、第１ユーザの端末６０に送信する（Ｓ１６８０）。
そして、第１ユーザの端末６０は、図２８（Ｂ）に例示される、振込金額、パスワード及び第２ユーザを入力する画面を表示する（Ｓ１６９０）。第１のユーザ端末６０は、以下のように、第１のユーザから、第１ユーザの端末６０は、第１のユーザから、振込金額、パスワード、及び第２ユーザを取得する（Ｓ１７００）。すなわち、第１ユーザの端末６０は、振込金額及びパスワードを取得すると、図２８（Ｂ）に例示するように、第２ユーザの候補を示すテーブルを選択可能に表示する。このテーブルの候補は、予め第１ユーザにより、各ユーザＩＤに対応付けて端末６０に登録される。ここで、一回取引を行った相手を自動的或いはユーザからの指示に基づいて登録してもよいし、ユーザ入力により新たに登録してもよい。また、直接第２ユーザのユーザＩＤを入力されてもよい。
そして、第１のユーザ６０は、取得した振込金額、パスワード及び振込先の指定すなわちユーザＩＤを振込処理装置４４に送信する（Ｓ１７１０）。振込処理装置４４の第１ユーザ特定部１４０は、第１受信部１３０からＵＲＬ、パスワード、振込金額、及び第２ユーザのユーザＩＤを受信し、ＵＲＬすなわちユーザＩＤとパスワードの組合せがユーザデータベース１１０内の組合せと一致するか確認する（Ｓ１７２０）。一致する場合、第１ユーザ特定部１４０は、第２ユーザのメールアドレスを取得して（Ｓ１７３０）、識別情報付与部１５０に出力する。そして識別情報付与部１５０は、振込識別番号すなわちＵＲＬを付与し（Ｓ１７４０）、通知部２７０を介して第２ユーザの端末６０にＵＲＬをメールで送信する（Ｓ１７５０）と共に、振込情報データベース１２０に、振込識別番号をユーザＩＤに対応付けて格納する（Ｓ１７６０）。
そして、第１ユーザの端末６０、第２ユーザの端末６０、及び振込処理装置４４は、図２７に示す処理を行う。
まず、第２ユーザの端末６０は、受信したＵＲＬを表示する（Ｓ１７７０）。ここで、ＵＲＬの代わりに、図２９（Ａ）に例示するように、振込がある旨を示すボタンを表示してもよい。このボタンには、ＵＲＬが埋め込まれている。そして、第２ユーザの端末６０は、第２ユーザの指示に従って、表示したＵＲＬを用いて振込処理装置４４にアクセスする（Ｓ１７８０）。振込処理装置４４の第２受信部１８０は、アクセスに用いられたＵＲＬを振込先情報として受信し（Ｓ１７９０）、また、メール作成部１９５は受信したＵＲＬを用いて第１ユーザのユーザＩＤを認識する（Ｓ１８００）。そして、メール作成部１９５は、ユーザデータベース１１０から第１ユーザのメールアドレスを取得し（Ｓ１８１０）、確認メールを作成し（Ｓ１８２０）、確認メール送信部２００を介して第１ユーザの端末６０に送信する（Ｓ１８３０）。
第１ユーザの端末６０は、図２８（Ｄ）に例示するように、受信した振込確認メールを表示する（Ｓ１８４０）。ここでの表示には、第２ユーザの名称、振込金額が含まれる。そして、第１ユーザの端末６０は、第１ユーザから振込確認の入力を受ける（Ｓ１８５０）と、振込合意を示す情報を振込処理装置４４に送信する（Ｓ１８６０）。振込処理装置４４の振込処理部２２０は、第１受信部１３０のＵＲＬ受信時と、合意受信部２１０の合意受信時の間が所定の時間以内である場合、すなわちタイムアウトしていない場合（Ｓ１８７０）に、第２受信部１８０は確認画面を読み出して（Ｓ１８８０）、受取確認画面を送信する（Ｓ１８８５）。第２ユーザの端末６０は、受信した受取確認画面を表示する（Ｓ１８９０）。そして、第２ユーザの端末６０は、第２ユーザから受取確認の入力を受ける（Ｓ１８９５）と、受取合意を示す情報を振込処理装置４４に送信する（Ｓ１９００）。振込処理装置４４の振込処理部２２０は、第１受信部１３０のＵＲＬ受信時と、合意受信部２１０の受取合意受信時の間が所定の時間以内である場合、すなわちタイムアウトしていない場合（Ｓ１９０５）に、振込処理を行う（Ｓ１９１０）。そして、振込処理装置４４は、通知画面を読み出し（Ｓ１９２０）、読み出した通知画面を第１ユーザの端末６０に送信する（Ｓ１９３０）とともに、第２ユーザの端末６０に送信する（Ｓ１９４０）。
そして、振込処理装置４４の振込処理部２２０は、振込情報データベース１２０の実行フィールドを更新する（Ｓ１９５０）。また、受信回数格納部２５０は、ユーザＩＤ毎のカウント数を更新する（Ｓ１９６０）。第１ユーザの端末６０は、図２８（Ｅ）に例示される通知画面を表示する（Ｓ１９７０）。第２ユーザの端末６０は、図２９（Ｃ）に例示される通知画面を表示する（Ｓ１９８０）。
従って、本実施形態によれば、振込識別番号の伝達を行う必要はない。従って、振込処理はより容易に行える。また、ＵＲＬに振込識別番号を用いているため、振込処理を安全かつ確実に行える。また、第１ユーザの端末６０に振込先リストを登録することで、より容易に振込処理を行える。
以上発明の実施の形態を説明したが、本出願に係る発明の技術的範囲は上記の実施の形態に限定されるものではない。上記実施の形態に種々の変更を加えて、特許請求の範囲に記載の発明を実施することができる。そのような発明が本出願に係る発明の技術的範囲に属することもまた、特許請求の範囲の記載から明らかである。
例えば、不正ユーザ選択部２６０が選択したユーザに対しては、警告メールを送付する代わりに本振込処理システムの使用を一定期間或いは永久に制限してもよい。また、受信回数格納部２５０は、現在から所定の期間以内の受信回数を格納してもよい。この場合、受信回数格納部２５０は、例えば第２受信部１８０が受信した時刻をそれぞれ格納し、所定の期間が経過するとその時刻を消去する。そして、受信回数格納部２５０は、格納されている時刻の数をカウントすることで、受信回数を認識する。
産業上の利用の可能性
以上の説明から明らかなように、本発明によればユーザ間の振込処理を、ネットワークを介して、安全かつ簡便に行うことができる。
【図面の簡単な説明】
図１は、第１の実施携帯の振込処理システムの構成を示す。
図２は、振込処理装置４０の構成を示す。
図３は、ユーザデータベース１１０のデータ構成を示す。
図４は、振込情報データベース１２０のデータ構成を示す。
図５は、メールデータベース１９０のデータ構成を示す。
図６は、受信回数格納部２５０に格納されるデータの構成の一例を示す。
図７は、端末６０を振込処理装置４０に登録する際の通信シーケンスを示す。
図８は、振込処理を行う際の、振込処理システムの通信シーケンスを示す。
図９は、図８の続きを示す通信シーケンスを示す。
図１０は、図９の続きを示す通信シーケンスを示す。
図１１は、図８、図９、図１０の通信シーケンスにおける、第１ユーザの端末６０の表示例を示す。
図１２は、図８、図９、図１０の通信シーケンスにおける、第２ユーザの端末６０の表示例を示す。
図１３は、振込処理装置４０のハードウェア構成の一例を示す。
図１４は、第２の実施形態における端末６０の機能構成を示す。
図１５は、図１４に示す端末６０を用いて振込処理を行う場合の、振込処理システムの通信シーケンスの一部を示す。
図１６は、第３の実施形態における振込処理装置４２の機能構成を示す。
図１７は、振込処理装置４２における振込データベース１２０のデータ構成の一例を示す。
図１８は、振込処理を行う際の、振込処理システムの通信シーケンスを示す。
図１９は、図１８の続きを示す通信シーケンスを示す。
図２０は、図１９の続きを示す通信シーケンスを示す
図２１は、図１８、図１９、図２０の通信シーケンスにおける、第１ユーザの端末６０の表示例を示す。
図２２は、図１８、図１９、図２０の通信シーケンスにおける、第２ユーザの端末６０の表示例を示す。
図２３は、第４の実施形態における振込処理装置４４の機能構成を示す。
図２４は、振込処理装置４４におけるユーザデータベース１１０のデータ構成の一例を示す。
図２５は、振込処理装置４４における振込データベース１２０のデータ構成の一例を示す。
図２６は、振込処理を行う際の、振込処理システムの通信シーケンスを示す。
図２７は、図２６の続きを示す通信シーケンスを示す。
図２８は、図２６及び図２７の通信シーケンスにおける、第１ユーザの端末６０の表示例を示す。
図２９は、図２６及び図２７の通信シーケンスにおける、第２ユーザの端末６０の表示例を示す。
図面に用いた主な符号の凡例を以下に示す。
１０インターネット
１２ゲートウェイ
１４公衆回線網
１６専用線
２０口座管理装置
４０、４２、４４振込処理装置
６０端末
１１０ユーザデータベース（ＵＲＬ格納部、端末情報格納部、アドレス格納部、及び口座情報格納部、候補ユーザ格納部）
１２０振込情報データベース（第１ユーザ情報格納部）
１３０第１受信部
１４０第１ユーザ特定部
１５０識別情報付与部
１７０送信部
１８０第２受信部
１９５メール作成部
２００確認メール送信部
２１０合意受信部
２２０振込処理部
２３０接続部
２４０人数確認部
２５０受信回数格納部
２６０不正ユーザ選択部
２７０通知部
７００ＣＰＵ
７０２ＲＯＭ
７０４ＲＡＭ
７０８ハードディスクドライブTechnical field
The present invention relates to a transfer processing system for performing transfer processing between users, a transfer processing apparatus, a transfer processing method, a terminal, and a recording medium storing a program used for these.
Background art
2. Description of the Related Art Technology for electronically performing settlement in commercial transactions via a communication network has been developed.
However, there is no technology for easily performing settlement between individuals, that is, transfer processing. Therefore, an object of the present invention is to solve such a problem.
Disclosure of the invention
According to a first embodiment of the present invention, there is provided a transfer processing apparatus for performing a transfer process between users, wherein the information for identifying the first user is provided by the user. And a first receiving unit that receives the transfer information in association with the transfer source information indicating that the user is a transfer destination, and the first receiver includes the transfer source information or the transfer destination A first user information storage unit for storing information for identifying the first user received in association with one of the information, and information for identifying the other of the transfer source information or the transfer destination information for a second user And a second receiving unit that receives the information in association with the information that specifies the first user, and the information that specifies the first user received by the second receiving unit is stored in the first user information storage unit. If stored, said first user Providing transfer processing apparatus characterized by comprising a transfer unit that performs transfer process between the serial second user.
The first embodiment further includes a URL storage unit that stores each of the plurality of users in association with a URL assigned to the user, and the first receiving unit stores the first URL in the first URL. Receiving the first user, as the information specifying the first user, the second receiving unit receiving the second URL as the information specifying the second user, the transfer processing unit, the first and second The first user and the second user may be specified using the URL and the URL storage unit.
A terminal information acquisition unit for acquiring terminal identification information for identifying a terminal of the first user; an identification information providing unit for providing transfer identification information to each of the receptions of the first receiving unit; A transmitting unit that transmits the transfer identification information to the terminal of the first user by using the terminal identification information acquired by the information acquiring unit, wherein the first user information storage unit further includes: The identification information is stored in association with the information specifying the first user, and the second receiving unit further stores the transfer identification information in the other of the transfer source information or the transfer destination information and the first user. And the transfer processing unit further receives the transfer identification information received by the second reception unit, the first user information storage unit receiving the transfer identification information For information identifying the first user When matching the transfer identification information with, it may be performed transfer processing between the second user and the first user. In this case, the transfer information providing unit embeds information indicating the reception time of the first receiving unit in the transfer identification information, and the transfer processing unit further recognizes the reception time of the second receiving unit, When the receiving time is within a predetermined period from the receiving time of the first receiving unit recognized by the transfer identification information received by the second receiving unit, the first user and the second user May be performed during the transfer. Further, in this case, the first receiving unit receives an IP address as the terminal specifying information, and further stores an e-mail address of each of the plurality of users in association with the information specifying the user. And transmitting a confirmation mail for selecting the address of the first user from the address storage unit and transmitting a confirmation mail to the first user to confirm that the transfer destination is the second user. And an agreement receiving unit that receives information indicating agreement with the confirmation mail, wherein the transfer processing unit is configured to allow the agreement receiving unit to transmit information indicating agreement with the confirmation mail to the first user. , A transfer process between the first user and the second user may be performed on condition that the transfer is received from the first user.
Further, the transfer further comprises: an account information storage unit for storing information for specifying an account of each financial institution of the plurality of users; and a connection unit for connecting to an account management device for managing the account of the financial institution. The processing unit acquires information for specifying the account of the first user and information for specifying the account of the second user from the account information storage unit, and obtains the account management device via the connection unit. May instruct remittance between the account of the first user and the account of the second user. In this case, the system further includes an identification information providing unit for providing transfer identification information to each reception of the first receiving unit, and the transfer processing unit further transmits the transfer identification information to the account management device. May be.
Further, the first user information storage unit further stores a time at which the first receiving unit receives the transfer source information or the transfer destination information in association with the transfer source information or the transfer destination information, The transfer processing unit recognizes the time at which the other of the transfer destination information or the transfer source information is received, and performs the transfer processing when the time is within a predetermined time from the time at which the transfer source information is received. Is also good.
Also, it is determined that unauthorized access is attempted based on the number of receptions stored in the number of receptions stored in the number of receptions storing the number of times received by the second receiver in association with the user. An unauthorized user selection unit for selecting a user to be performed, and a corresponding unit for performing a predetermined operation on the user selected by the unauthorized user selection unit may be further provided. In this case, from the number of receptions stored in the number-of-times-of-reception storage unit, an update unit that updates the number-of-times-of-reception storage unit by subtracting the number of times the transfer to the user is established is further provided, and the unauthorized user selection unit includes Alternatively, a user whose reception count stored in the reception count storage section exceeds a predetermined value may be selected. Further, the number-of-receptions storage unit stores the number of receptions within a predetermined period from now, and the unauthorized user selection unit selects a user whose number of receptions stored in the number-of-receptions storage unit exceeds a predetermined value. May be. Further, a terminal information storage unit that stores terminal identification information that specifies each terminal of the plurality of users in association with the information that specifies the user, the correspondence unit, the terminal information storage unit, The terminal identification information stored in association with the user selected by the unauthorized user selection unit may be selected, and the warning data may be transmitted.
In addition, the first receiving unit receives the transfer destination information in association with a transfer amount, and further receives the transfer amount received by the first receiving unit, the second transfer amount received by the second receiving unit. The transfer processing unit may include a confirmation unit that transmits to the terminal of the user and confirms the transfer, and the transfer processing unit may perform the transfer processing when the second user receives an agreement to the transfer amount. . In this case, the first receiving unit receives the number of transfer sources in association with the transfer amount, and the confirmation unit determines the amount obtained by dividing the transfer amount by the number of transfer sources in the second transfer amount. It may be transmitted to the user. In this case, the first user information storage unit stores the number of the transfer source in association with the information specifying the first user, and further stores the number of the transfer source in which the first user is designated as the transfer destination. And a counting unit that counts the number of users, and when a predetermined time has passed from the time of reception by the first receiving unit, the count number of the counting unit is stored in the first user information storage unit. When the number is smaller than the number of persons, a number confirmation unit for transmitting information indicating the fact to the terminal of the first user may be provided.
In addition, the first receiving unit receives information specifying the second user in association with the transfer source information or the transfer destination information, and further includes a terminal specification that specifies a terminal of the second user. A terminal information acquisition unit that acquires information and a notification unit that notifies the terminal of the second user identified by the terminal identification information that there is a transfer may be provided. In this case, the apparatus further comprises a URL assigning unit that assigns a URL to each of the receptions of the first receiving unit, wherein the first user storage unit stores the URL according to the information identifying the first user. The notification unit further notifies the URL of the second user terminal, the second receiving unit, the access to the URL, as the other of the transfer source information or the transfer destination information You may receive it.
A second embodiment of the present invention is a transfer processing device that performs a transfer process between users, and a URL storage unit that stores a plurality of pieces of user identification information that respectively specify a plurality of users in association with URLs. A first receiving unit that receives a first URL, a first user specifying unit that specifies a first user using the first URL and the URL storage unit, and a first user specifying unit that specifies the first user. A first user information storage unit that stores the information that specifies the first user, a second reception unit that receives a second URL in association with the information that specifies the first user, A second user identification unit that identifies the second user by using a second URL and the URL storage unit, and information that identifies the first user received by the second reception unit includes the first user When stored in a specific part Provides a transfer processing apparatus characterized by comprising a transfer unit that performs transfer processing between the second user and the first user.
In the second aspect, a terminal information acquisition unit that acquires terminal identification information that identifies a terminal of each of the plurality of users, and identification information that assigns transfer identification information to each reception of the first reception unit An assigning unit, and a transmitting unit that transmits the transfer identification information to the terminal using the terminal identification information stored in the terminal information storage unit, wherein the first user information storage unit further includes: And storing the transfer identification information in association with the information for specifying the first user, and the second receiving unit further converts the transfer identification information into transfer destination information and information for specifying the first user. The transfer processing unit may further include the transfer identification information received by the second reception unit, wherein the transfer identification information identifies the first user received by the second reception unit in the first user information storage unit Associated with the information When matching the write identification information, it may perform the transfer process between said first user the second user. In this case, the transfer information providing unit embeds information indicating the reception time of the first receiving unit in the transfer identification information, and the transfer processing unit further recognizes the reception time of the second receiving unit, When the time of reception is within a predetermined period from the time of reception of the first reception unit recognized by the transfer identification information received by the second reception unit, the first user and the second user Transfer processing may be performed.
The first receiving unit receives an IP address as the terminal specifying information, and further stores an e-mail address of each of the plurality of users in association with information for specifying the user. A confirmation mail transmitting unit that selects the address of the first user from the address storage unit, and transmits a confirmation mail to the first user to confirm that the transfer destination is the second user; The first receiving unit further receives information indicating agreement with the confirmation mail, and the transfer processing unit receives information indicating agreement with the confirmation mail from the first user. The transfer processing between the first user and the second user may be performed on condition that the transfer is performed.
Further, the transfer further comprises: an account information storage unit for storing information for specifying an account of each financial institution of the plurality of users; and a connection unit for connecting to an account management device for managing the account of the financial institution. The processing unit acquires information for specifying the account of the first user and information for specifying the account of the second user from the account information storage unit, and obtains the account management device via the connection unit. May instruct remittance between the account of the first user and the account of the second user. In this case, the system further includes an identification information providing unit for providing transfer identification information to each reception of the first receiving unit, and the transfer processing unit further transmits the transfer identification information to the account management device. May be.
Further, the first user information storage unit further stores a time at which the first receiving unit receives the transfer source information in association with the transfer source information, and the transfer processing unit stores the transfer destination information May be recognized, and the transfer processing may be performed when the time is within a predetermined time from the time when the transfer source information is received.
It is determined that an unauthorized access has been attempted based on the number of receptions stored in the second reception unit, the number of receptions stored in association with the user, and the number of receptions stored in the number of receptions storage. The apparatus may further include an unauthorized user selecting unit that selects a user, and a corresponding unit that performs a predetermined operation on the user selected by the unauthorized user selecting unit. In this case, from the number of receptions stored in the number-of-times-of-reception storage unit, an update unit that updates the number-of-times-of-reception storage unit by subtracting the number of times the transfer to the user is established is further provided, and the unauthorized user selection unit includes Alternatively, a user whose reception count stored in the reception count storage section exceeds a predetermined value may be selected. Further, the number-of-receptions storage unit stores the number of receptions within a predetermined period from now, and the unauthorized user selection unit selects a user whose number of receptions stored in the number-of-receptions storage unit exceeds a predetermined value. May be. Further, a terminal information storage unit that stores terminal identification information that specifies each terminal of the plurality of users in association with the information that specifies the user, the correspondence unit, the terminal information storage unit, The terminal identification information stored in association with the user selected by the unauthorized user selection unit may be selected, and the warning data may be transmitted.
A third aspect of the present invention is a terminal for transmitting and receiving information related to a transfer process to and from a transfer processing device that performs a payment process between users, and stores specific information for storing information for specifying a user of the terminal. Unit, a display unit for selectively displaying a display for prompting connection to the transfer processing device, and when the display by the display unit is selected, information for specifying the user of the terminal from the specific information storage unit. A transmission unit for reading and transmitting the readout data to the transfer processing device.
In the third embodiment, the display unit further displays selectable a transfer source or a transfer destination, and the transmission unit further includes: When the transfer source information indicating that fact is selected as the transfer destination, the transfer destination information indicating that fact may be transmitted to the transfer processing device. In this case, the display unit further displays an identification number input field for inputting transfer identification information for mutually identifying transfer processing, and the transmitting unit further includes the transfer identification information input in the identification number input field. May be transmitted to the transfer processing device. In addition, the display unit further displays an amount input column for inputting a transfer amount when the transfer destination is selected, and the transmission unit further includes a transfer amount displayed in the amount input column. May be transmitted to the transfer processing device.
In addition, the display unit further displays a number input box for inputting the number of the transfer source when the transfer destination is selected, and the transmission unit further displays the number input box. The number of people may be transmitted to the transfer processing device.
Further, the specific information storage unit may store a URL as information for specifying the user.
A fourth aspect of the present invention is a transfer processing system that includes terminals of a plurality of users and a transfer processing device that communicates with the terminals, and performs a transfer process between the users. The first terminal used is a specific information storage unit that stores information specifying a user of the terminal, a display unit that selectively displays a transfer source or a transfer source, and a storage unit that stores the specific information storage unit. While transmitting the information that specifies the user of the terminal that is being sent to the transfer processing device, when it is selected to be one of the transfer source or the transfer destination on the display unit, the transfer source is selected. And a transmitting unit for transmitting to the transfer processing device transfer information indicating that the transfer source information has been selected, or transfer destination information indicating that the transfer destination has been selected, the second said used by the user The terminal is a user of the terminal. A specific information storage unit that stores information specifying the user, a display unit that selectively displays the other of the transfer destination or the transfer source, and an obtaining unit that obtains information that specifies the first user, When the information for specifying the user of the terminal stored in the specific information storage unit is transmitted to the transfer processing apparatus, and the transfer unit or the transfer destination is selected on the display unit, the first A transmitting unit for transmitting to the transfer processing device, information for specifying the user of the transfer, and transfer source information indicating that the transfer destination has been selected or transfer source information indicating that the transfer source has been selected. Wherein the transfer processing device comprises: a first receiving unit configured to receive, from the first terminal, information specifying a first user and one of the transfer source information or the transfer destination information; Original information or the transfer destination A first user information storage unit for storing one of the reports in association with the information for specifying the first user; and information for specifying the second user, the transfer destination information or the transfer from the second terminal. A second receiving unit that receives the other of the original information and the information that specifies the first user; and the information that specifies the first user received by the second receiving unit is transferred to the received information storage unit. A transfer processing system comprising a transfer processing unit that performs a transfer process between the first user and the second user when the transfer processing is associated with the source information or the transfer destination information.
A fifth aspect of the present invention is a transfer processing system that includes terminals of a plurality of users and a transfer processing device that communicates with the terminals, and performs a transfer process between the users, and is used by a first user. The first terminal is capable of selecting, as information for specifying a user of the terminal, a specific information storage unit that stores a URL indicating a connection to the deposit processing device, and a display for prompting connection to the deposit processing device. A display unit to display, and a transmission unit that reads the URL from the specific information storage unit when the display by the display unit is selected, transmits the URL, and connects to the transfer processing device, The second terminal used by the second user stores an acquisition unit for acquiring information for identifying the first user and a URL indicating a connection to the deposit processing device as information for identifying the user of the terminal. Specific Report storage unit, a display unit for selectively displaying a display for prompting connection to the transfer processing device, and when the display by the display unit is selected, the URL is read from the specific information storage unit, and the URL is read. And a transmitting unit for connecting to the transfer processing device and transmitting information for specifying the first user, wherein the transfer processing device transmits a plurality of user specifying information for specifying a plurality of users, respectively. A URL storage unit that stores a URL in association with a URL, a first reception unit that receives a first URL from the terminal of the first user, and a first URL and the URL storage unit. A first user specifying unit that specifies a first user, a first user information storage unit that stores information that specifies the first user specified by the first user specifying unit, and a second user The above A second receiving unit that receives a second URL from the end in association with information that specifies the first user, and specifies the second user by using the second URL and the URL storage unit A second user identification unit and, when the information identifying the first user received by the second reception unit is stored in the first user identification unit, the first user and the second user A transfer processing system comprising: a transfer processing unit that performs a transfer process between users.
According to a sixth aspect of the present invention, there is provided a transfer processing method for performing transfer processing between users using terminals of a plurality of users and a transfer processing device that communicates with the terminals, wherein the first user has A first terminal to be used, wherein the first terminal acquires information for identifying the first user, and the first terminal is selectably displayed as a transfer source or a transfer destination. And when the first terminal selects one of the transfer source and the transfer destination in the display, the fact that the first terminal is selected to be the transfer source Transmitting the transfer source information indicating the transfer source information or the transfer destination information indicating that the transfer destination has been selected to the transfer processing device in association with the information specifying the first user; The second terminal used by the Displaying the origin as being selectable, the second terminal acquiring information identifying the first user, and the second terminal identifying the second user Acquiring information, and in the second terminal, when the display by the display unit is selected, and when it is selected to be the other of the transfer destination or the transfer source, the second terminal Transmitting the other of the transfer source information or the transfer destination information, the information specifying the first user, and the information specifying the second user to the transfer processing apparatus; and Receiving the information identifying one user in association with one of the transfer source information or the transfer destination information; and wherein the transfer processing device associates the information with one of the transfer source information or the transfer destination information. Recieved Storing the information for specifying the first user; and the transfer processing device specifying the information for specifying the second user, the transfer destination information or the transfer source information, and the first user. Receiving the information in association with the information, and when the information identifying the first user received in association with the information identifying the second user is stored, the transfer processing device performs Performing a transfer process between a first user and the second user.
According to a seventh aspect of the present invention, there is provided a transfer processing method for performing transfer processing between users using terminals of a plurality of users and a transfer processing apparatus communicating with the terminals, wherein the first user A first terminal used by the first terminal to acquire a first URL for connection to the transfer processing device as information for specifying a user of the first terminal; and A step of displaying a display prompting connection to a processing device in a selectable manner, and in the first terminal, when the display is selected, the first terminal transmits the first URL to A step of connecting to a transfer processing device, a step in which the second terminal used by the second user acquires information specifying the first user, and a step in which the second terminal As the information for specifying the user, the transfer processing Acquiring a second URL for connection to the device, and the second terminal displaying a selection prompting connection to the deposit processing device in a selectable manner; and in the second terminal, When the display is selected, the second terminal transmits the second URL, connects to the deposit processing device, and transmits information for identifying the first user; A processing device receiving the first URL from the first terminal, and the transfer processing device storing a plurality of pieces of user identification information respectively identifying a plurality of users in association with the respective URLs A storage unit, a step of specifying the first user using the first URL, and the transfer processing device stores information specifying the first user in a first user information storage unit Steps Receiving the second URL from the second terminal in association with information specifying the first user, and using the second URL and the URL storage unit. Identifying the second user, and when the information identifying the first user received in association with the second URL is stored in the first user information storage unit, Providing a transfer processing method between a first user and the second user.
According to an eighth aspect of the present invention, there is provided a recording medium storing a computer-executable program for performing a transfer process between users, wherein the program stores information for specifying a first user by the user. A first receiving module that receives the transfer source information indicating that the user is the transferor or the information indicating that the user is the transfer destination, and receives the transfer information that is associated with one of the transfer source information or the transfer destination information A first user information storage module for storing the information for specifying the first user, and information for specifying the second user, the one of the transfer source information or the transfer destination information, and the first user. A second receiving module for receiving the information in association with the information to be specified, and information for specifying the first user received by the second receiving module are stored by the received information storage module. Is the case is to provide a recording medium, characterized in that it comprises a transfer processing module for transfer processing between the first user and the second user.
A ninth aspect of the present invention is directed to a computer that performs a transfer process between users by using a URL storage unit that stores a plurality of pieces of user identification information that respectively specify a plurality of users in association with URLs. A recording medium storing an executable program, wherein the program specifies a first user by using a first receiving module that receives a first URL, the first URL, and the URL storage unit. A first user identification module, a first user information storage module for storing information for identifying the first user identified by the first user identification unit, and a second URL for the first user. A second receiving module that receives the information in association with the information to be specified, and a second user specifying module that specifies the second user using the second URL and the URL storage unit Between the first user and the second user, when the information identifying the first user received by the second receiving unit is stored by the first user identification module. And a transfer processing module for performing the transfer processing of (1).
A tenth aspect of the present invention is a recording medium storing a program used for a terminal that transmits and receives information related to a transfer process to and from a transfer processing device that performs a payment process between users. A display module for selectively displaying a display for prompting connection to the deposit processing device, and a display of the terminal from a specific information storage unit for storing information for specifying a user of the terminal when display by the display unit is selected. A transmission module for reading information for specifying a user and transmitting the information to the transfer processing device.
In the tenth aspect, the display module further displays a transfer source or a transfer destination so as to be selectable, and the transmission module further includes a case where the transfer source is selected. When the transfer source information indicating that fact is selected as the transfer destination, the transfer destination information indicating that fact may be transmitted to the transfer processing device. In this case, the display module further displays an input field for inputting transfer identification information for identifying transfer processing when the transfer module is selected as the transfer destination, and the transmitting module further includes the input field. May be transmitted to the transfer processing device.
BEST MODE FOR CARRYING OUT THE INVENTION
FIG. 1 shows a configuration of a transfer processing system according to a first embodiment of the present invention. The transfer processing system includes a plurality of account management apparatuses 20 for managing accounts of financial institutions, a transfer processing apparatus 40 connected to each account management apparatus 20 via a dedicated line 16, a transfer processing apparatus 40, the Internet 10, and the public. And a terminal 60 connected via the communication network 14. The terminal 60 is a portable communication terminal, a personal computer, or the like. In the case of a mobile communication terminal, the terminal 60 connects to the transfer processing device 40 via the public communication network 14, the gateway 12, and the Internet 10.
The transfer processing system receives transfer source information indicating a transfer request from the terminal 60 of the first user. In addition, the present transfer processing system receives, from the terminal 60 of the second user, transfer destination information indicating a reception request and information specifying the first user. Then, the transfer processing system matches the first user and the second user with the information specifying the first user as a key, and performs a transfer process from the first user's account to the second user's account. Output to the account management device 20 that manages one user's account. Here, the transfer processing device 40 allocates a unique URL to each user, and specifies the user based on the URL used at the time of access. That is, in this transfer processing system, the URL functions as information for specifying each user.
FIG. 2 shows an example of the configuration of the transfer processing device 40. A series of operations of the transfer processing device 40 are mainly realized by the cooperation of the CPU and programs stored in the ROM and the RAM. However, the transfer processing device 40 may be realized by other components, and the degree of design freedom is high.
The transfer processing device 40 has a user database 110, a transfer information database 120, and a mail database 190 as databases, and includes a screen storage unit 125, a first reception unit 130, a first user identification unit 140, and identification information as functional units. It has an application unit 150, a clock unit 160, a transmission unit 170, a second reception unit 180, a mail creation unit 195, a confirmation mail transmission unit 200, an agreement reception unit 210, a transfer processing unit 220, and a connection unit 230. Here, the user database 110 is an example of a URL storage unit, an address storage unit, and an account information storage unit according to the present invention, and the transfer information database 120 is an example of a first user information storage unit according to the present invention. Further, the confirmation mail transmission unit 200 also functions as the confirmation mail transmission unit and the corresponding unit according to the present invention. The number-of-times-of-reception storage unit 250 also functions as the number-of-times-of-reception storage unit and the updating unit according to the present invention. Further, the first user specifying unit 140 also functions as the terminal specifying information obtaining unit according to the present invention.
The user database 110 stores various information of the user registered in the transfer processing device 40.
FIG. 3 shows an example of the data configuration of the user database 110. In this example, the user database 110 has fields of URL, user ID, name, mail address, financial institution, account number, telephone number, and password. The URL field is independent of the other fields, and the other fields store data in association with each other. The URL field stores upper parameters of the URL. This upper parameter is common to each user. The user ID field stores a user ID. The user ID is also a lower parameter of the URL. That is, a URL unique to each user is configured by combining the upper parameter of the URL and the user ID. The mail address field stores a mail address of each user. The financial institution field and the account number field store the account number of each user and information identifying the financial institution having the account. The information stored in the financial institution is a financial institution name, a financial institution code, and the like. The telephone number field stores the telephone number of each user. Here, when the telephone number is a mobile phone, the telephone number functions as terminal specifying information. Further, instead of the telephone number field, a terminal ID uniquely assigned to each terminal may be stored. The password field stores a password corresponding to each user.
Therefore, the user can cause the transfer processing device 40 to recognize himself / herself only by transmitting the URL registered as a bookmark to the terminal 60, for example.
Return to FIG. The transfer information database 120 stores various information related to the transfer processing performed via the transfer processing device 40.
FIG. 4 shows an example of the data configuration of the transfer information database 120. In this example, the transfer information database 120 has fields of a transfer identification number, a transfer source, a transfer destination, an amount, a transfer source reception time, a transfer destination reception time, and an execution field. Each field stores data in association with each other. The transfer identification number field stores a transfer identification number, which is an example of transfer identification information. The transfer identification number is a number uniquely assigned to each transfer process. Here, an arbitrary character string may be used as the transfer identification information instead of the number. The transfer source field stores the user ID of the first user who is the transfer source. The transfer destination field stores the user ID of the second user who is the transfer destination. The amount field stores a transfer amount processed in each transfer process. The transfer source reception time field stores the time at which the transfer source information was received from the first user. The transfer destination reception time field stores the time at which the transfer destination information was received from the second user. The execution field stores information indicating that the transfer has been executed. That is, when the transfer destination information has not been received from the second user, no information is stored in the fields of the transfer destination, the transfer destination reception time, and the execution.
Return to FIG. The screen storage unit 125 stores various screens transmitted to the terminal 60.
The first receiving unit 130 receives a screen request by a URL and an IP address for identifying the terminal 60 from the terminal 60 of the first user, reads out the requested screen from the screen storage unit 125, and uses the received IP address. To the terminal 60 of the first user. Further, the first receiving unit 130 receives the transfer source information, the transfer amount, and the password from the terminal 60 of the first user. Here, the first receiving unit 130 may receive the notification of the transfer amount and the password as the transfer source information. When receiving the transfer source information, the first receiving unit 130 outputs the transfer amount, the password, the received URL, and the IP address to the first user specifying unit 140.
Upon receiving the transfer amount, the password, the received URL and the IP address, the first user specifying unit 140 extracts lower parameters of the received URL, that is, the user ID. Then, a password corresponding to the extracted user ID is read from the user database 110, and the password received from the first receiving unit 130 is referred to. When the passwords match, the first user specifying unit 140 outputs the transfer amount, the user ID, and the IP address to the identification information providing unit 150.
Upon receiving the transfer amount, the user ID, and the IP address from the first user specifying unit, the identification information assigning unit 150 assigns a unique transfer identification number. At this time, information for specifying the date and time of issuance may be embedded in the transfer identification number. As a specific example, the numerical value of a specific digit of the transfer identification number may be changed based on the date and time of issuance, or the regularity between the numerical values of a plurality of digits may be changed. Then, the identification information providing unit 150 outputs the provided transfer identification number and the IP address to the transmitting unit 170. Further, the identification information providing unit 150 uses the clock unit 160 to recognize the time at which the transfer identification number was provided as the time at which the first receiving unit 130 received the transfer source information. , The user ID and the transfer amount are stored in the transfer information database 120 in association with each other. The transmitting unit 170 reads a screen for notifying the transfer identification number from the screen storage unit 125, inserts the transfer identification number, and transmits the transfer identification number to the first user terminal 60 using the IP address. Here, the transmitting unit 170 may read the mail address from the user database 110 as the terminal specifying information, and transmit the transfer identification number to the terminal 60 of the first user by mail.
The second receiving unit 180 receives a screen request by a URL and an IP address for identifying the terminal 60 from the terminal 60 of the second user, reads out the requested screen from the screen storage unit 125, and stores the received IP address. And transmits it to the terminal 60 of the second user. In addition, the second receiving unit 180 receives the transfer destination information from the terminal 60 of the second user. Here, the second receiving unit 180 may receive the notification of the transfer identification number as the transfer destination information. When receiving the transfer destination information, the second receiving unit 180 outputs the transfer identification number and the received URL to the mail creation unit 195. Further, second receiving section 180 outputs the received URL to reception count storage section 250. In addition, the second receiving unit 180 extracts lower parameters of the received URL, that is, the user ID of the second user, and recognizes the time at which the URL was received using the clock unit 160. Then, the second receiving unit 180 stores the user ID of the second user and the reception time in a transfer destination field and a transfer destination reception time field of the transfer information database 120 corresponding to the received transfer identification number.
The mail database 190 stores various mail templates to be transmitted to the user, as illustrated in FIG. The mails stored here include a confirmation mail for final confirmation of the transfer, a warning mail for a user who is determined to be illegal, and the like. It is preferable that a plurality of types of warning mails are prepared according to the degree of fraud.
When receiving the transfer identification number and the URL from the second receiving unit 180, the mail creating unit 195 extracts the lower parameter of the URL, that is, the user ID of the second user, and acquires the user name corresponding to this user ID from the user database 110. I do. Further, the mail creating unit 195 queries the transfer information database 120 for the transfer identification number, and obtains the user ID and the amount of the first user stored in association with the transfer identification number. Then, the mail creation unit 195 acquires, from the user database 110, the mail address stored corresponding to the user ID acquired from the transfer information database 120. Then, the mail creation unit 195 reads the template of the transfer confirmation mail from the mail database 190, creates a transfer confirmation mail in which the user name of the second user and the transfer amount are described, and sends it to the confirmation mail transmission unit 200 together with the acquired mail address. Output. Here, it is desirable to attach a confirmation reply button to the transfer confirmation mail.
That is, the mail creation unit 195 does not proceed to the next process unless the transfer identification number received by the second receiving unit 180 is stored in the transfer information database 120. Therefore, the security of the transfer process is improved.
Further, when receiving the user ID from the unauthorized user selection unit 260, the mail creation unit 195 acquires the mail address corresponding to the received user ID from the user database 110. Here, when the degree of fraud is received together with the user ID, a warning mail corresponding to the degree of fraud may be obtained. Then, a warning mail template is read from the mail database 190 and created, and a warning mail is created. Then, mail creation section 195 outputs the created warning mail to confirmation mail transmission section 200 together with the acquired mail address.
The confirmation mail transmission unit 200 transmits the mail received from the mail creation unit 195 to the mail address received from the mail creation unit 195.
The agreement receiving unit 210 receives the agreement to the confirmation mail and the transfer identification number from the first user, and outputs the transfer identification number to the transfer processing unit 220.
The transfer processing unit 220 acquires the transfer source user ID, the transfer destination user ID, the amount, and the transfer source information reception time stored in the transfer information database 120 corresponding to the transfer processing number received from the agreement receiving unit 210. I do. Then, the transfer processing unit 220 recognizes the time at which the transfer identification number was received, and confirms that time and whether the transfer source information reception time is within a predetermined time. Here, if the transfer identification number has a regularity derived from the date and time of issuance, the transfer source information receiving time may be recognized from the regularity. The transfer processing unit 220 obtains the financial institution corresponding to the obtained two user IDs and their account numbers from the user database 110 on condition that the time is within a predetermined time, and transfers the financial institution from the transfer source account to the transfer destination account. A transfer instruction is created and output to the connection unit 230 together with the acquired amount. Then, the transfer processing unit 220 stores information indicating that execution has been completed in the execution field of the transfer information database 120 corresponding to the transfer identification number. Further, the transfer processing unit 220 outputs the user ID of the transfer destination to the reception count storage unit 250.
The connection unit 230 transmits the transfer command received from the transfer processing unit 220 to the account management device 20 that manages the transfer source account.
When receiving the URL from the second receiving unit 180, the receiving count storage unit 250 extracts the lower-order parameter and recognizes the user ID. Then, as in the data configuration illustrated in FIG. 6, the number of receptions of the second receiving unit 180 is counted and held for each recognized user ID. Further, upon receiving the user ID from the transfer processing unit 220, the reception count storage unit 250 reduces the reception count stored corresponding to the user ID by the reception count.
At a predetermined time, for example, at a predetermined time every day, the unauthorized user selection unit 260 regards a user whose count value stored in the reception count storage unit 250 is equal to or greater than a certain value as an unauthorized user and selects the user ID. Then, the message is output to the mail creating unit 195. Here, the unauthorized user selection unit 260 may perform the above-described operation at regular time intervals, for example, at hourly intervals. Further, for example, the degree of irregularity may be ranked according to the size of the count value or the like, and output to the mail creating unit 195.
Accordingly, the transfer processing device 40 detects the user who attempts to receive the fraudulently by using the fraudulent user selection unit 260 and outputs the detected user to the mail creation unit 195, so that it is possible to take appropriate measures against the fraudulent user. That is, the security of the transfer processing device 40 is increased.
FIG. 7 shows an example of a user registration process of the present transfer processing system. First, when the user inputs an access request to the terminal 60 (S10), the terminal 60 transmits a request for a registration screen to the deposit processing device 40 (S20). The first receiving unit 130 of the transfer processing device 40 reads the registration screen from the screen storage unit 125 (S30) and transmits the registration screen to the terminal 60 (S40). The terminal 60 displays the received registration screen (S50). Then, when the terminal 60 acquires user information necessary for registration from the user (S60), the terminal 60 transmits the acquired user information to the deposit processing device 40 (S70).
The transfer processing device 40 determines whether to perform user registration based on the received user information (S80). When it is determined that the user is to be registered, a URL unique to the user, for example, a user ID is issued (S100), and the URL is stored in the user database 110 together with the user information (S110). Then, the transfer processing device 40 transmits the issued URL to the terminal 60 (S120). At this time, the transfer processing device 40 may send a notification to the terminal 60 that the URL should be registered as a bookmark, or a program for registering the URL as a bookmark.
The terminal 60 stores the URL based on the user's instruction (S130). At this time, the terminal 60 may automatically store the URL by a program.
8, 9, and 10 show an example of the transfer processing of the present transfer processing system. FIG. 9 shows a continuation of FIG. 8, and FIG. 10 shows a continuation of FIG.
FIG. 11 shows an example of a screen display on the terminal 60 of the first user in the processing of FIGS. 8 to 10. FIG. 12 shows an example of a screen display on the terminal 60 of the second user in the processing of FIGS. 8 to 10.
First, as shown in FIG. 8, the first user terminal 60 reads the URL based on the user's instruction (S200), and accesses the deposit processing device 40 using the read URL (S210). The first receiving unit 130 of the transfer processing device 40 reads the initial screen from the screen storage unit 125 (S220) and transmits the initial screen to the terminal 60 of the first user (S230). Here, the first receiving unit 130 holds the URL.
Then, the first user terminal 60 displays the initial screen (S240). On the initial screen displayed here, a transfer button and a receiving button are displayed as illustrated in FIG. The first user selects the transfer button (S250). The terminal 60 of the first user transmits the transfer source information to the transfer processing device 40 (S260). Upon receiving the transfer source information, the first receiving unit 130 of the transfer processing device 40 reads a screen for inputting a transfer amount and a password from the screen storage unit 125 (S270) and transmits the screen to the first user terminal 60 (S280). .
Then, the terminal 60 of the first user displays a screen for inputting the transfer amount and the password, as exemplified in FIG. 11B (S290). When the first user terminal 60 acquires the transfer amount and the password from the first user (S300), the first user terminal 60 transmits the acquired transfer amount and the password to the transfer processing device 40 (S310). The first user specifying unit 140 of the transfer processing device 40 receives the URL, the password, and the transfer amount from the first receiving unit 130, and checks whether the URL, that is, the combination of the user ID and the password matches the combination in the user database 110. (S320). If they match, the identification information assigning unit 150 assigns a transfer identification number (S340), transmits the transfer identification number to the first user terminal 60 via the transmission unit 170 (S350), and transmits the transfer identification number to the transfer information database 120. The transfer identification number is stored in association with the URL, that is, the user ID (S360).
Further, the terminal 60 of the second user and the transfer processing device 40 perform the operation shown in FIG. 9 in parallel with the processing of FIG.
First, the terminal 60 of the second user reads the URL based on the user's instruction (S400), and accesses the deposit processing device 40 using the read URL (S410). The second receiving unit 180 of the deposit processing device 40 reads the initial screen from the screen storage unit 125 (S420) and transmits the initial screen to the terminal 60 of the second user (S430). Here, the second receiving unit 180 holds the URL. Then, the terminal 60 of the second user displays the initial screen (S440). The transfer screen and the receiving button are displayed on the initial screen displayed here as illustrated in FIG. The second user selects the receiving button (S450). The terminal 60 of the second user transmits the transfer source information to the transfer processing device 40 (S460). Upon receiving the transfer source information, the second receiving unit 180 of the transfer processing device 40 reads a screen for inputting the transfer identification number from the screen storage unit 125 (S470), and transmits the screen to the second user terminal 60 (S480). Then, the terminal 60 of the second user displays a screen for inputting the transfer amount and the password, as exemplified in FIG. 12B (S490).
Then, the terminal 60 of the first user displays the transfer identification number received in S350 by S490 (S360). The first user notifies the second user of the transfer identification information displayed on the terminal 60 of the first user.
The terminal 60 of the second user acquires the transfer identification number from the second user (S500), and transmits the acquired transfer identification number to the transfer processing device 40 (S510). The reception count storage unit 250 of the transfer processing device 40 updates the count value of the second user by increasing the count value (S515).
Then, the first user terminal 60, the second user terminal 60, and the transfer processing device 40 perform the processing shown in FIG.
First, the mail creation unit 195 of the transfer processing device 40 queries the transfer information database 120 for the transfer identification number received by the second receiving unit 180 (S520). If there is a transfer identification number (S530), the user ID of the second user is extracted from the URL, and the user ID (URL) of the first user stored corresponding to the transfer identification number is obtained (S540). ). Then, the mail creation unit 195 obtains a mail address corresponding to the user ID (URL) of the first user from the user database 110 (S550), creates a transfer confirmation mail (S560), and stores the terminal of the first user. 60 (S570). The first user terminal 60 displays the received transfer confirmation mail as illustrated in FIG. 11D (S580). The display here includes the name of the second user and the transfer amount.
Further, after transmitting the transfer confirmation mail (S570), the second receiving unit 180 of the transfer processing device 40 reads the waiting screen (S590) and transmits the waiting screen to the terminal 60 of the second user (S600). The terminal 60 of the second user displays the received waiting screen as illustrated in FIG. 12C (S610).
After displaying the transfer confirmation mail (S580), the first user terminal 60 receives the transfer confirmation input from the first user (S620), and transmits information indicating the transfer agreement to the transfer processing device 40 (S630). . The transfer processing unit 220 of the transfer processing device 40 determines whether or not the time between when the URL is received by the first receiving unit 130 and when the agreement is received by the agreement receiving unit 210 is within a predetermined time, that is, when the timeout has not occurred (S640). A transfer process is performed (S650). Then, the transfer processing device 40 reads the notification screen (S660), transmits the read notification screen to the first user terminal 60 (S670), and transmits the read notification screen to the second user terminal 60 (S680).
Then, the transfer processing unit 220 of the transfer processing device 40 updates the execution field of the transfer information database 120 (S690). Further, the reception count storage unit 250 updates the count number for each user ID (S695). The first user terminal 60 displays the notification screen illustrated in FIG. 11E (S700). The terminal 60 of the second user displays a notification screen illustrated in FIG. 12D (S710).
Therefore, the transfer processing system performs the transfer processing by matching the first user who has transmitted the transfer source information with the second user who has transmitted the first user identification information and the transfer destination information. Therefore, the transfer processing from the first user to the second user can be performed easily and safely. In addition, the information flowing simultaneously in the communication is a combination of a transfer identification number issued for each transfer process, a transfer amount and a password, or a transfer amount and a second user name, or a URL, so that security is high. In addition, since transfer information such as a transfer amount, a user ID, and a transfer identification number is transmitted by specifying a terminal by an IP address, and final confirmation is performed by e-mail, security is further enhanced.
FIG. 13 is a diagram illustrating a hardware configuration of the transfer processing device 40. The transfer processing device 40 includes a CPU 700, a ROM 702, a RAM 704, a communication interface 706, a hard disk drive 708, a database interface 710, a floppy disk drive 712, and a CD-ROM drive 714. The CPU 700 operates based on programs stored in the ROM 702 and the RAM 704. The communication interface 705 communicates with the account management device 20 via the dedicated line 16. The communication interface 706 communicates with the outside via the Internet 10. The database interface 710 writes data to the database and updates the contents of the database. A hard disk drive 708 as an example of a storage device stores setting information and a program for operating the CPU 700.
The floppy disk drive 712 reads data or a program from the floppy disk 720 and provides it to the CPU 700. The CD-ROM drive 714 reads data or a program from the CD-ROM 722 and provides it to the CPU 700. The communication interface 706 transmits and receives data by connecting to the Internet 10. The database interface 710 connects to various databases 724 to transmit and receive data.
The software executed by the CPU 700 is stored in a recording medium such as a floppy disk (trademark) 720 or a CD-ROM 722 and provided to the user. The software stored on the recording medium may be compressed or uncompressed. The software is installed in the hard disk drive 708 from the recording medium, read out to the RAM 704, and executed by the CPU 700.
The software stored and provided on the recording medium, that is, the software installed on the hard disk drive 708 has, as a functional configuration, a first receiving module, a first user specifying module, an identification information providing module, a transmitting module, a second receiving module, It has a mail creation module, a confirmation mail transmission module, an agreement reception module, a transfer processing module, and a connection module. The processing performed by each of the modules by the computer and performed by the CPU 700 is the same as the function and operation of the corresponding member in the transfer processing device 40 of the present embodiment, and thus the description thereof is omitted.
The floppy disk 720 or the CD-ROM 722 as an example of the recording medium illustrated in FIG. 13 may store some or all of the functions of the transfer processing device 40 in all the embodiments described in the present application. it can.
These programs may be read directly from the recording medium to the RAM and executed, or may be once installed in the hard disk drive and then read and executed in the RAM. Further, the program may be stored on a single recording medium or a plurality of recording media. Further, the information may be stored in an encoded form.
As a recording medium, in addition to a floppy disk and a CD-ROM, an optical recording medium such as a DVD, a magnetic recording medium such as an MD, a magneto-optical recording medium such as a PD, a tape medium, a magnetic recording medium, an IC card and a miniature card And the like can be used. Alternatively, a storage device such as a hard disk or a RAM provided in a server system connected to a dedicated communication network or the Internet may be used as a recording medium, and the program may be provided to the transfer processing device 40 via the communication network. Such a recording medium is used only for manufacturing the deposit processing device 40, and the manufacture and sale of such a recording medium as a business constitutes infringement of the patent right based on the present application. Is clear.
FIG. 14 shows a functional configuration of a terminal 60 used in the second embodiment. The transfer processing system of the present embodiment is substantially the same as the first embodiment except for the configuration of the terminal 60. The terminal 60 in the present embodiment performs the transfer processing in cooperation with the transfer processing device 40 in the first embodiment. However, the first receiving unit 130 and the second receiving unit 180 of the transfer processing device 40 do not transmit the initial screen, the screen for inputting the amount and the password, and the screen for inputting the transfer number.
The terminal 60 of the present embodiment includes a specific information storage unit 300, an activation unit 310, a display unit 320, and a mail reception unit 340. The display unit 320 further includes an initial screen display unit 322, an amount / password input display unit 324, a transfer number input display unit 328, a mail display unit 332, a confirmation acquisition unit 334, and a transmission unit 336.
The specific information storage unit 300 stores a URL used when accessing the deposit processing device 40. This URL is a URL stored in the user database 110.
The activation unit 310 acquires an activation instruction from a user and outputs the instruction to the initial screen display unit 322.
The initial screen display unit 322 displays the initial screen illustrated in FIG. In addition, the initial screen display unit 322 acquires information indicating whether the user desires the transfer or the receipt. When the request for the transfer is obtained, the initial screen display unit 322 outputs the result to the amount / password input display unit 324. When the request for the transfer is obtained, the initial screen display unit 322 indicates the transfer. Output to the number input display unit 328.
The amount / password input display unit 324 displays the amount and password input screen illustrated in FIG. 11B. In addition, the amount / password input display unit 324 acquires the transfer amount and the password from the user and outputs them to the transmission unit 336.
The transfer number input display unit 328 displays the transfer identification number input screen illustrated in FIG. Further, the transfer number input display unit 328 acquires a transfer identification number from the user and outputs it to the transmission unit 336.
The mail display unit 332 displays the mail received from the mail receiving unit 340 illustrated in FIG. In addition, the mail display unit 332 obtains information indicating that the user agrees to the transfer from the user, and transmits the information to the transmission unit 336.
When acquiring the amount and the password from the amount / password input / display unit 324, the transmission unit 336 acquires the URL from the specific information storage unit 300, accesses the deposit processing device 40 using the URL, and transmits the amount and the password. Further, when acquiring the transfer identification number from the transfer number input display unit 328, the transmitting unit 336 acquires the URL from the specific information storage unit 300, accesses the transfer processing device 40 using the URL, and transmits the transfer identification number. . Further, when acquiring the information indicating the agreement from the mail display unit 332, the transmission unit 336 acquires the URL from the specific information storage unit 300, accesses the deposit processing device 40 using the URL, and transmits the information indicating the agreement. Send.
FIG. 15 shows a part of the transfer processing of the transfer processing system in the present embodiment. This figure corresponds to FIG. 8 in the operation of the transfer processing system according to the first embodiment. That is, after the processing in FIG. 15, the processing shown in FIGS. 9 and 10 is performed.
First, the terminal 60 of the first user reads the URL according to the instruction of the first user (S800), and displays an initial screen illustrated in FIG. 11A (S810). Upon acquiring that the first user has selected the transfer (S820), the first user terminal 60 displays a screen for inputting the transfer amount and the password (S830). When the amount and the password are obtained from the first user (S840), the terminal 60 of the first user accesses the transfer processing device 40 using the URL as the transfer source information, and transmits the transfer source information, the transfer amount and the password. It is transmitted (S850). When the received combination of the URL and the password matches the combination of the URL and the password stored in the user database 110 (S860), the transfer processing device 40 issues a transfer identification number (S870), and issues the issued transfer identification. The number is transmitted to the first user terminal 60 (S880), and the issued transfer identification number is stored in the transfer information database 120 in association with the URL, that is, the user ID (S890).
Therefore, according to the transfer processing system in the present embodiment, it is possible to reduce the number and amount of information transmission between the first user terminal 60 and the transfer processing device 40 during the transfer processing.
FIG. 16 shows the configuration of the transfer processing device 42 used in the third embodiment of the present invention. In this embodiment, the transfer processing device 42 is substantially the same as the transfer processing device 40 of the first embodiment, but the data configuration of the transfer information database 120, the number of screens stored in the screen storage unit 125, and the type thereof , The first receiving unit 130, the mail creating unit 195, the transfer processing unit 220, and the number of persons checking unit 240. In the present transfer processing system, the transfer processing device 42 receives, from the first user terminal 60, transfer destination information indicating a receiving request, the number of transfer sources, and the amount thereof. In addition, the transfer processing device 42 receives, from the second user terminal 60, transfer destination information indicating a transfer request and information specifying the first user. Then, the transfer processing system matches the first user and the second user with the information specifying the first user as a key, and performs a transfer process from the account of the second user to the account of the first user. Output to the account management device 20 that manages the accounts of the two users. Here, the transfer processor 42 calculates the amount to be transferred by each second user by dividing the amount received from the first user by the number of transfer sources, and notifies the second user.
As shown in FIG. 17, the transfer information database 120 according to the present embodiment is different from the transfer processing in that it has a field for storing the number of payees and the number of payees, and does not have a transfer receiving time field and an execution field. Different from the device 40. Here, a transfer destination reception time field and an execution field may be provided.
The first receiving unit 130 performs the same operation as the first receiving unit 130 in the transfer processing device 40, and also receives the number of payees from the terminal 60 of the first user, and stores the number in the payee number field of the transfer information database 120. It is stored in association with the identification number. What the first receiving unit 130 receives from the first user terminal 60 is not the transfer source information but the transfer destination information. The transfer source number received here may be a number including the first user, that is, a number obtained by adding 1 to the actual transfer source number, or a numerical value not including the first user.
When receiving the transfer identification number and the URL from the second receiving unit 180, the mail creation unit 195 acquires the user ID of the first user corresponding to the transfer identification number from the transfer information database 120, and obtains the user ID corresponding to the user ID. The name is obtained from the user database 110. In addition, the mail creation unit 195 reads out the number of transfer sources and the amount of money corresponding to the received transfer identification number from the transfer information database 120, and transfers the amount by the number of transfer sources to determine the amount to be transferred by the second user. calculate. When the number of persons received by the first receiving unit 130 is the number of persons not including the first user, the mail creation unit 195 may calculate the amount of money by adding 1 to the number of transfer sources. Then, the mail creation unit 195 reads the transfer confirmation mail template from the mail database 190, creates a transfer confirmation mail in which the user name of the first user and the calculated transfer amount are described, and sends a confirmation mail together with the acquired mail address. Output to the unit 200. Here, it is desirable to attach a confirmation reply button to the transfer confirmation mail.
In addition, when receiving from the number confirmation unit 240 that the transfer has not been completed and the user ID and the transfer identification number, the mail creating unit 195 acquires the mail address corresponding to the user ID from the user database 110. Then, a mail indicating that the transfer has not been completed is obtained from the mail database 190 and output to the confirmation mail transmitting unit 200 together with the mail address.
Further, when the mail creation unit 195 receives the completion of the transfer, the user ID of the first user, the transfer source, ie, the ID of the second user, and the transfer amount from the number confirmation unit 240, the mail creation unit 195 corresponds to the user ID of the first user. A mail address to be obtained is obtained, and a user name corresponding to the user ID of the second user is obtained. Then, a mail template is acquired from the mail database 190, and using the template, a mail for notifying the completion of the transfer, the name of the transfer source, that is, the second user name, and the transfer amount is created. Then, mail creating section 195 outputs the created mail to confirmation mail transmitting section 200 together with the acquired mail address.
The transfer processing unit 220 performs the same operation as the transfer processing unit 220 of the transfer processing device 40, and also functions as the counting unit according to the present invention. That is, when the transfer process is performed, the transfer processing unit 220 increases the numerical value of the number-of-transferred persons field corresponding to the transfer identification number of the transfer process by one. Here, when the numerical value of the number-of-transferred persons field matches the numerical value of the number-of-transfer-sources field, the fact that the transfer has been executed is stored in the execution field. In addition, every time the transfer processing is performed, the transfer processing unit 220 outputs the transfer identification number of the transfer processing to the number confirmation unit 240.
The number-of-people confirming unit 240 queries the transfer information database 120 at predetermined time intervals, and recognizes the transfer processing in which the fact that the transfer has been executed is not stored in the execution field even though the fixed time has elapsed from the transfer destination reception time. Then, to the effect that the transfer processing has not been completed, the user ID and the transfer identification number in the transfer destination field of the transfer processing are output to the mail creation unit 195.
Further, upon receiving the transfer identification number from the transfer processing unit 220, the number confirmation unit 240 queries the transfer information database 120 and determines whether information indicating that the execution has been performed is stored in the execution field corresponding to the transfer identification number. Check whether or not. If stored, the user ID of the first user, the transfer source, that is, the ID of the second user, and the transfer amount are read from the transfer information database 120 and output to the mail creation unit 195 together with information indicating that the transfer has been completed.
FIGS. 18, 19, and 20 show an example of the transfer processing of the present transfer processing system. FIG. 19 shows a continuation of the process of FIG. 18, and FIG. 20 shows a continuation of the process of FIG.
FIG. 21 shows an example of a screen display on the terminal 60 of the first user in the processing of FIGS. FIG. 22 shows an example of a screen display on the terminal 60 of the second user in the processing of FIGS.
First, as shown in FIG. 18, the first user terminal 60 reads the URL based on the user's instruction (S900), and accesses the deposit processing device 42 using the read URL (S910). The first receiving unit 130 of the transfer processing device 42 reads the initial screen from the screen storage unit 125 (S920) and transmits the initial screen to the first user terminal 60 (S930). Here, the first receiving unit 130 holds the URL.
Then, the first user terminal 60 displays the initial screen (S940). On the initial screen displayed here, a transfer button, a receive button, and a split bill button are displayed as illustrated in FIG. The operation of the transfer processing system when the transfer button or the receiving button is selected is the same as that of the first embodiment.
The first user selects the split bill button, and the terminal 60 of the first user acquires the split bill selection (S950). The first user terminal 60 requests the transfer processing device 42 for the split billing screen (S960). The first receiving unit 130 of the transfer processing device 42 reads the split bill screen from the screen storage unit 125 (S970), and transmits the split bill screen to the first user terminal 60 (S980).
The first user terminal 60 displays the split billing screen illustrated in FIG. 21B (S990). On the split bill screen, an owner button indicating the transfer destination and a payment button indicating the transfer source are displayed. When the terminal 60 of the first user acquires information indicating that the owner button has been selected (S1000), the terminal 60 transmits the transfer destination information to the transfer processing device 42 (S1010). The first receiving unit 130 of the transfer processing device 42 reads the screen for inputting the amount, the number of transfer sources, and the password from the screen storage unit 125 (S1020), and transmits the screen to the first user terminal 60 (S1030).
The first user terminal 60 displays a screen for inputting the transfer amount, the number of transfer sources, and the password, as exemplified in FIG. 21C (S1040). The terminal 60 of the first user acquires the transfer amount, the number of transfer sources, and the password from the first user (S1050), and transmits the acquired transfer amount, the number of transfer sources, and the password (S1060). The first user specifying unit 140 of the transfer processing device 42 receives the URL, the password, the transfer amount, and the number of transfer sources from the first receiving unit, and determines the URL, that is, the combination of the user ID and the password with the combination in the user database 110. It is checked whether they match (S1070). If they match, the identification information assigning section 150 assigns a transfer identification number (S1080), transmits the transfer identification number to the terminal 60 of the first user via the transmission section 170 (S1090), and transmits the transfer identification number to the transfer information database 120. The transfer identification number is stored in association with the URL, that is, the user ID, the number of transfer sources, and the amount of money. It should be noted that a password need not be used in the processing of S1050 to S1080. In this case, the step of S1070 is omitted.
Further, the terminal 60 of the second user and the transfer processing device 42 perform the operation shown in FIG. 19 in parallel with the processing of FIG.
First, the terminal 60 of the second user reads the URL based on the user's instruction (S1200), and accesses the deposit processing device 42 using the read URL (S1210). The second receiving unit 180 of the transfer processing device 42 reads the initial screen from the screen storage unit 125 (S1220) and transmits the initial screen to the terminal 60 of the second user (S1230). Here, the second receiving unit 180 holds the URL. Then, the terminal 60 of the second user displays the initial screen (S1240). On the initial screen displayed here, a transfer button, a receive button, and a split bill button are displayed as illustrated in FIG. The operation of the transfer processing system when the transfer button or the receiving button is selected is the same as that of the first embodiment.
The second user selects the split bill button, and the terminal 60 of the second user acquires the split bill selection (S1250). The second user terminal 60 requests the transfer processing device 42 for a split billing screen (S1260). The second receiving unit 180 of the transfer processing device 42 reads the split bill screen from the screen storage unit 125 (S1270), and transmits the split bill screen to the second user terminal 60 (S1280).
The second user terminal 60 displays the split billing screen illustrated in FIG. 22B (S1290). On the split bill screen, an owner button indicating the transfer destination and a payment button indicating the transfer source are displayed. When the terminal 60 of the second user acquires the information indicating that the payment button is selected (S1300), the terminal 60 of the second user transmits the transfer source information to the transfer processing device 42 (S1310). The second receiving unit 180 of the transfer processing device 42 reads a screen for inputting a transfer identification number from the screen storage unit 125 (S1320) and transmits the screen to the first user terminal 60 (S1330). The terminal 60 of the second user displays a screen for inputting a transfer identification number and a password, as exemplified in FIG. 22C (S1340).
Then, the terminal 60 of the first user displays the transfer identification number received in S1090 by S1340 (S1100). The first user notifies the second user of the transfer identification number displayed on the terminal 60 of the first user.
When the terminal 60 of the second user acquires the transfer identification number and the password from the second user (S1350), the terminal 60 transmits the acquired transfer identification number and the password (S1360). The number-of-times-of-reception storage unit 250 of the transfer processing device 42 increases and updates the count value of the second user (S1370).
Then, the first user terminal 60, the second user terminal 60, and the transfer processing device 42 perform the processing shown in FIG.
First, the mail creation unit 195 of the transfer processing device 42 queries the transfer information database 120 for the transfer identification number received by the second receiving unit 180 (S1380). If there is a transfer identification number (S1390), the user ID is extracted from the URL of the second user, and it is confirmed whether the combination of the user ID and the password matches the combination in the user database 110 (S1400). If they match, a mail address corresponding to the user ID (URL) of the second user is obtained from the user database 110 (S1410). Then, the mail creation unit 195 creates a transfer confirmation mail (S1420) and sends it to the second user terminal 60 (S1430).
The terminal 60 of the second user displays the received transfer confirmation mail as illustrated in FIG. 22D (S1440). The display here includes the name of the first user and the transfer amount. Then, when receiving the input of the transfer confirmation from the second user (S1450), the terminal 60 of the second user transmits information indicating the transfer agreement to the transfer processing device 42 (S1460). The transfer processing unit 220 of the transfer processing device 40 determines whether or not the time between when the URL is received by the first receiving unit 130 and when the agreement is received by the agreement receiving unit 210 is within a predetermined time, that is, when the timeout has not occurred (S1470). A transfer process is performed (S1480). Then, the transfer processing device 42 reads the notification screen (S1490), and transmits the read notification screen to the terminal 60 of the second user (S1500). The terminal 60 of the second user displays a notification screen (S1510).
Further, the number confirmation unit 240 of the transfer processing device 42 inquires in the execution field of the transfer information database 120 whether or not the transfer processing of the transfer processing number has been completed. Is checked (S1520). If they match, the confirmation mail transmission unit 200 of the transfer processing device 42 creates a mail indicating that the transfer has been completed, and transmits it to the first user terminal 60 (S1530). The terminal 60 of the first user displays a transfer end notification illustrated in FIG. At this time, the e-mail may include information for specifying the transfer source and the transfer amount.
Then, the transfer processing unit 220 of the transfer processing unit 42 updates the execution field of the transfer information database 120 (S1550). Further, the reception count storage unit 250 updates the count number for each user ID (S1560).
Therefore, with the use of the present transfer processing system, the split billing processing can be performed easily and safely. Also, the user does not need to calculate the number of persons per person.
FIG. 23 shows the configuration of the transfer processing device 44 used in the fourth embodiment of the present invention. In the present embodiment, the transfer processing device 44 is substantially the same as the transfer processing device 40 of the first embodiment, except that the data configuration of the user database 110, the data configuration of the transfer information database 120, and the screen configuration are stored in the screen storage unit 125. The number and types of screens present, differences in the operations of the first receiving unit 130, the first user specifying unit 140, the identification information providing unit 150, the second receiving unit 180, the mail creating unit 195, and the transfer processing unit 220, and transmission Has a notification unit 270 instead of the unit 170
Different in that.
In the present transfer processing system, the transfer processing device 44 receives, from the first user terminal 60, transfer source information indicating a transfer request, a transfer amount, and information specifying a second user to be a transfer destination. Then, the transfer processing device 44 notifies the terminal 60 of the designated second user that there is a transfer. Then, the transfer processing device 44 receives, from the terminal 60 of the second user, that the transfer is acknowledged as the transfer source information indicating the reception request. Then, the present transfer processing system matches the first user and the second user with the information specifying the first user as a key, and performs a transfer process from the first user's account to the second user's account. Output to the account management device 20 that manages one user's account.
As illustrated in FIG. 24, the user database 110 in the present embodiment has the same data configuration as the user database 110 of the deposit processing device 40, and further has a candidate user field. This field stores the user ID of the transfer partner candidate in association with each user. That is, in this field, the user ID of the partner with whom each user frequently transacts is registered.
As illustrated in FIG. 25, the transfer information database 120 according to the present embodiment has a data structure similar to that of the transfer information database 120 of the transfer processing device 40, and also has a URL field for storing upper parameters of the URL. By adding a transfer identification number as a lower parameter to the URL stored in this field, a URL unique to each transfer process is configured.
The first receiving unit 130 in the present embodiment has the same function as the first receiving unit 130 of the deposit processing device 40, and also receives a user ID from the terminal 60 of the first user as a designation of the second user, and Output to the specifying unit 140.
The first user specifying unit 140 according to the present embodiment has the same function as the first user specifying unit 140 of the transfer processing device 40, and also uses the user ID received from the first user receiving unit 130 to send the mail address of the second user. Is acquired from the user database 110 and is output to the identification information providing unit 150 in association with the user ID of the first user. Here, the name of the first user may be obtained from the user database 110 and output to the identification information providing unit 150 instead of the user ID.
The identification information providing unit 150 according to the present embodiment has the same function as the identification information providing unit 150 of the transfer processing device 40, acquires a higher-order parameter of a URL from the transfer information database 120, and assigns the issued transfer identification to the acquired URL. By combining the number as a lower parameter, a URL unique to each transfer process is generated, and is output to the notification unit 270 in association with the mail address of the second user. Further, the identification information providing unit 150 stores the user ID of the second user in the transfer information database 120 in association with the user ID of the first user.
The notification unit 270 transmits a mail for notifying the URL received from the identification information providing unit 150 to the mail address received from the identification information providing unit 150. Here, the notification unit may transmit a button in which the URL is embedded.
When receiving the URL from the terminal 60 of the second user, the second receiving unit 180 in the present embodiment extracts a transfer identification number from lower parameters of the received URL. Then, the user ID of the second user is recognized using the extracted URL identification number. Further, upon receiving the agreement information from the first user from the transfer processing unit 220, a screen notifying the fact is read out from the screen storage unit 125, and transmitted to the terminal 60 of the second user as a reply to the URL. The function of the second receiving unit 180 in the present embodiment is substantially the same as that of the second receiving unit 180 of the transfer processing device 40 except for the operation of recognizing the transfer identification number and the user ID of the second user, and a description thereof will be omitted.
Upon receiving the transfer identification number from the second receiving unit 180, the mail creation unit 195 in the present embodiment recognizes the user ID of the second user using the received transfer identification number and the transfer processing database 120. The other operations have substantially the same functions as those of the mail creation unit 195 of the transfer processing device 40, and thus description thereof is omitted.
When receiving the consent information from the terminal 60 of the first user, the transfer processing unit 220 of the present embodiment outputs the fact to the second receiving unit 180. When receiving the agreement information from the terminal 60 of the second user, the transfer processing unit 220 performs the transfer processing in the same manner as the transfer processing unit 220 of the transfer processing device 40.
FIG. 26 and FIG. 27 show an example of the transfer processing of the present transfer processing system. FIG. 26 shows a process continued from FIG.
FIG. 28 shows an example of a screen display on the terminal 60 of the first user in the processes of FIGS. 26 and 27. FIG. 29 shows an example of a screen display on the terminal 60 of the second user in the processing of FIGS. 26 and 27.
First, as shown in FIG. 26, the first user terminal 60 reads the URL based on the user's instruction (S1600), and accesses the deposit processing device 44 using the read URL (S1610). The first receiving unit 130 of the transfer processing device 44 reads the initial screen from the screen storage unit 125 (S1620) and transmits the initial screen to the first user terminal 60 (S1630). Here, the first receiving unit 130 holds the URL.
Then, the first user terminal 60 displays the initial screen (S1640). On the initial screen displayed here, as illustrated in FIG. 28A, a transfer button, a receiving button, and a split button are displayed. When the first user selects the transfer button (S1650), the first user transmits the transfer source information to the transfer processing device 44 (S1660). Upon receiving the transfer source information, the first receiving unit 130 of the transfer processing device 44 reads the screen for inputting the transfer amount, the password, and the second user from the screen storage unit 125 (S1670), and sends the screen to the first user terminal 60. It is transmitted (S1680).
Then, the first user terminal 60 displays a screen for inputting the transfer amount, the password, and the second user, as exemplified in FIG. 28B (S1690). The first user terminal 60 acquires the transfer amount, the password, and the second user from the first user from the first user as follows (S1700). That is, upon acquiring the transfer amount and the password, the terminal 60 of the first user displays a table showing the candidates of the second user in a selectable manner as illustrated in FIG. 28B. The candidates of this table are registered in the terminal 60 in advance by the first user in association with each user ID. Here, the partner who has made one transaction may be registered automatically or based on an instruction from the user, or may be newly registered by user input. Further, the user ID of the second user may be directly input.
Then, the first user 60 transmits the acquired transfer amount, the password, and the designation of the transfer destination, that is, the user ID to the transfer processing device 44 (S1710). The first user specifying unit 140 of the transfer processing device 44 receives the URL, the password, the transfer amount, and the user ID of the second user from the first receiving unit 130, and stores the URL, that is, the combination of the user ID and the password in the user database 110. (S1720). If they match, the first user specifying unit 140 acquires the mail address of the second user (S1730), and outputs it to the identification information providing unit 150. Then, the identification information assigning unit 150 assigns the transfer identification number, that is, the URL (S1740), transmits the URL to the second user terminal 60 via the notification unit 270 by e-mail (S1750), and sends the transfer information database 120 The transfer identification number is stored in association with the user ID (S1760).
Then, the first user terminal 60, the second user terminal 60, and the transfer processing device 44 perform the processing shown in FIG.
First, the terminal 60 of the second user displays the received URL (S1770). Here, instead of the URL, a button indicating that there is a transfer may be displayed as illustrated in FIG. The URL is embedded in this button. Then, the terminal 60 of the second user accesses the deposit processing device 44 using the displayed URL according to the instruction of the second user (S1780). The second receiving unit 180 of the transfer processing device 44 receives the URL used for the access as the transfer destination information (S1790), and the mail creation unit 195 recognizes the user ID of the first user using the received URL. (S1800). Then, the mail creation unit 195 acquires the mail address of the first user from the user database 110 (S1810), creates a confirmation mail (S1820), and transmits the confirmation mail to the terminal 60 of the first user via the confirmation mail transmission unit 200. (S1830).
The terminal 60 of the first user displays the received transfer confirmation mail as illustrated in FIG. 28D (S1840). The display here includes the name of the second user and the transfer amount. Then, when receiving the input of the transfer confirmation from the first user (S1850), the terminal 60 of the first user transmits information indicating the transfer agreement to the transfer processing device 44 (S1860). The transfer processing unit 220 of the transfer processing device 44 determines whether or not the time between when the URL is received by the first receiving unit 130 and when the agreement is received by the agreement receiving unit 210 is within a predetermined time, that is, when the timeout has not occurred (S1870). The second receiving unit 180 reads the confirmation screen (S1880) and transmits the reception confirmation screen (S1885). The second user terminal 60 displays the received receipt confirmation screen (S1890). Then, upon receiving the receipt confirmation input from the second user (S1895), the second user terminal 60 transmits information indicating the receipt agreement to the deposit processing device 44 (S1900). The transfer processing unit 220 of the transfer processing device 44 determines that the time between the time when the first receiving unit 130 receives the URL and the time when the agreement receiving unit 210 receives the reception agreement is within a predetermined time, that is, when the timeout has not occurred (S1905). Then, a transfer process is performed (S1910). Then, the transfer processing device 44 reads the notification screen (S1920), transmits the read notification screen to the first user terminal 60 (S1930), and transmits the read notification screen to the second user terminal 60 (S1940).
Then, the transfer processing unit 220 of the transfer processing device 44 updates the execution field of the transfer information database 120 (S1950). Further, the reception count storage unit 250 updates the count number for each user ID (S1960). The first user terminal 60 displays the notification screen illustrated in FIG. 28 (E) (S1970). The terminal 60 of the second user displays a notification screen illustrated in FIG. 29C (S1980).
Therefore, according to the present embodiment, there is no need to transmit the transfer identification number. Therefore, the transfer process can be performed more easily. Further, since the transfer identification number is used for the URL, the transfer processing can be performed safely and reliably. Further, by registering the transfer destination list in the terminal 60 of the first user, the transfer process can be performed more easily.
Although the embodiments of the present invention have been described above, the technical scope of the present invention according to the present application is not limited to the above embodiments. The invention described in the claims can be implemented by adding various changes to the above embodiment. It is also clear from the description of the claims that such an invention belongs to the technical scope of the invention according to the present application.
For example, instead of sending a warning mail to the user selected by the unauthorized user selection unit 260, the use of the transfer processing system may be restricted for a certain period or permanently. Further, the number-of-receptions storage unit 250 may store the number of receptions within a predetermined period from the present. In this case, the number-of-times-of-reception storage unit 250 stores, for example, the times received by the second receiving unit 180, and deletes the times when a predetermined period has elapsed. Then, the number-of-times-of-reception storage unit 250 recognizes the number of times of reception by counting the number of times stored.
Industrial potential
As is apparent from the above description, according to the present invention, the transfer processing between users can be performed safely and easily via a network.
[Brief description of the drawings]
FIG. 1 shows a configuration of a transfer processing system of the first embodiment.
FIG. 2 shows a configuration of the transfer processing device 40.
FIG. 3 shows a data configuration of the user database 110.
FIG. 4 shows a data configuration of the transfer information database 120.
FIG. 5 shows the data configuration of the mail database 190.
FIG. 6 shows an example of the configuration of data stored in the number-of-times-of-reception storage unit 250.
FIG. 7 shows a communication sequence when the terminal 60 is registered in the deposit processing device 40.
FIG. 8 shows a communication sequence of the transfer processing system when performing the transfer processing.
FIG. 9 shows a communication sequence showing a continuation of FIG.
FIG. 10 shows a communication sequence showing the continuation of FIG.
FIG. 11 shows a display example of the terminal 60 of the first user in the communication sequences of FIG. 8, FIG. 9, and FIG.
FIG. 12 shows a display example of the terminal 60 of the second user in the communication sequences of FIGS. 8, 9, and 10.
FIG. 13 illustrates an example of a hardware configuration of the transfer processing device 40.
FIG. 14 illustrates a functional configuration of the terminal 60 according to the second embodiment.
FIG. 15 shows a part of a communication sequence of the transfer processing system when the transfer processing is performed using the terminal 60 shown in FIG.
FIG. 16 shows a functional configuration of the transfer processing device 42 according to the third embodiment.
FIG. 17 shows an example of the data configuration of the deposit database 120 in the deposit processing device 42.
FIG. 18 shows a communication sequence of the transfer processing system when performing the transfer processing.
FIG. 19 shows a communication sequence that continues from FIG.
FIG. 20 shows a communication sequence showing the continuation of FIG.
FIG. 21 shows a display example of the terminal 60 of the first user in the communication sequences of FIGS. 18, 19, and 20.
FIG. 22 shows a display example of the terminal 60 of the second user in the communication sequences of FIGS. 18, 19, and 20.
FIG. 23 shows a functional configuration of a deposit processing device 44 according to the fourth embodiment.
FIG. 24 shows an example of the data configuration of the user database 110 in the transfer processing device 44.
FIG. 25 shows an example of the data configuration of the deposit database 120 in the deposit processing device 44.
FIG. 26 shows a communication sequence of the transfer processing system when performing the transfer processing.
FIG. 27 shows a communication sequence that continues from FIG.
FIG. 28 shows a display example of the terminal 60 of the first user in the communication sequences of FIGS. 26 and 27.
FIG. 29 shows a display example of the terminal 60 of the second user in the communication sequences of FIGS. 26 and 27.
Legends of main symbols used in the drawings are shown below.
10 Internet
12 Gateway
14 Public line network
16 Dedicated line
20 Account management device
40, 42, 44 Transfer processing device
60 terminals
110 User database (URL storage, terminal information storage, address storage, account information storage, candidate user storage)
120 Transfer information database (first user information storage unit)
130 first receiving unit
140 first user specifying unit
150 Identification information giving unit
170 Transmission section
180 second receiving unit
195 Email Composer
200 Confirmation mail sending unit
210 Agreement receiver
220 transfer processing part
230 Connection
240 Number Confirmation Department
250 Receive count storage
260 Unauthorized User Selection Unit
270 Notification section
700 CPU
702 ROM
704 RAM
708 Hard Disk Drive

Claims

A transfer processing device for performing a transfer process between users,
A first receiving unit that receives information specifying the first user in association with transfer source information indicating that the user is a transfer source, or transfer destination information indicating that the user is a transfer destination,
A first user information storage unit configured to store information identifying the first user received in association with one of the transfer source information or the transfer destination information,
A second receiving unit that receives the other of the transfer source information or the transfer destination information in association with information specifying a second user and information specifying the first user,
When the information identifying the first user received by the second receiving unit is stored in the first user information storage unit, a transfer between the first user and the second user A transfer processing device comprising: a transfer processing unit that performs processing.

A URL storage unit that stores each of the plurality of users in association with a URL assigned to each of the users,
The first receiving unit receives a first URL as information for identifying the first user,
The second receiving unit receives a second URL as information identifying the second user,
The transfer processing apparatus according to claim 1, wherein the transfer processing unit specifies a first user and a second user by using the first and second URLs and a URL storage unit.

A terminal information acquisition unit that acquires terminal identification information for identifying the terminal of the first user;
An identification information providing unit for providing transfer identification information to each of the receptions of the first receiving unit;
Using the terminal identification information acquired by the terminal information acquisition unit, a transmission unit that transmits the transfer identification information to the terminal of the first user,
Further comprising
The first user information storage unit further stores the transfer identification information in association with information identifying the first user,
The second receiving unit further receives the transfer identification information in association with the other of the transfer source information or the transfer destination information and the information identifying the first user,
The transfer processing unit may further include, in the first user information storage unit, the transfer identification information received by the second reception unit in association with the information identifying the first user received by the second reception unit. 2. The transfer processing apparatus according to claim 1, wherein the transfer processing between the first user and the second user is performed when the transfer identification information matches the transfer identification information.

The transfer information providing unit embeds information indicating a reception time of the first receiving unit in the transfer identification information,
The transfer processing unit further recognizes a reception time of the second reception unit, and the reception time is from a reception time of the first reception unit recognized by the transfer identification information received by the second reception unit. 4. The transfer processing apparatus according to claim 3, wherein the transfer processing between the first user and the second user is performed when the transfer is within a predetermined period.

The first receiving unit receives an IP address as the terminal identification information,
Furthermore,
An address storage unit that stores each mail address of the plurality of users in association with information identifying the user,
A confirmation mail transmitting unit that selects the address of the first user from the address storage unit, and transmits a confirmation mail to the first user to confirm that the transfer destination is the second user; ,
Further comprising an agreement receiving unit for receiving information indicating agreement to the confirmation mail,
The transfer processing unit may determine whether the agreement receiving unit receives information indicating the agreement with the confirmation mail from the first user, between the first user and the second user. The transfer processing apparatus according to claim 4, wherein the transfer processing is performed.

An account information storage unit that stores information that specifies an account of each financial institution of the plurality of users;
A connection unit that connects to an account management device that manages the account of the financial institution;
Further comprising
The transfer processing unit acquires, from the account information storage unit, information that specifies the account of the first user and information that specifies the account of the second user, and obtains the account via the connection unit. 2. The transfer processing apparatus according to claim 1, wherein the management apparatus is instructed to transfer money between the account of the first user and the account of the second user.

An identification information providing unit that provides transfer identification information to each of the receptions of the first receiving unit,
The transfer processing device according to claim 6, wherein the transfer processing unit further transmits the transfer identification information to the account management device.

The first user information storage unit further stores a time at which the first receiving unit receives the transfer source information or the transfer destination information in association with the transfer source information or the transfer destination information,
The transfer processing unit recognizes a time at which the other of the transfer destination information or the transfer source information is received, and performs a transfer process when the time is within a predetermined time from a time at which the transfer source information is received. The transfer processing apparatus according to claim 1, wherein:

A number-of-receptions storage unit that stores the number of times the second receiving unit receives the user in association with the user,
Based on the number of receptions stored in the number-of-times-of-reception storage unit, an unauthorized user selection unit that selects a user determined to have attempted unauthorized access,
2. The transfer processing apparatus according to claim 1, further comprising a corresponding unit that performs a predetermined operation with respect to the user selected by the unauthorized user selection unit.

An update unit that updates the number-of-receptions storage unit by subtracting the number of times transfer has been established for the user from the number of receptions stored in the number-of-receptions storage unit,
The transfer processing apparatus according to claim 9, wherein the unauthorized user selection unit selects a user whose reception count stored in the reception count storage unit exceeds a predetermined value.

The reception count storage unit stores the reception count within a predetermined period from the present,
The transfer processing apparatus according to claim 9, wherein the unauthorized user selection unit selects a user whose reception count stored in the reception count storage unit exceeds a predetermined value.

A terminal information storage unit that stores terminal identification information that identifies each terminal of the plurality of users in association with the information that identifies the user,
10. The terminal according to claim 9, wherein the correspondence unit selects terminal identification information stored in the terminal information storage unit in association with the user selected by the unauthorized user selection unit, and transmits warning data. The transfer processing device according to 1.

The first receiving unit receives the transferee information in association with a transfer amount,
Further, a confirmation unit that transmits the transfer amount received by the first reception unit to the terminal of the second user received by the second reception unit and confirms the transfer amount,
The transfer processing apparatus according to claim 1, wherein the transfer processing unit performs the transfer processing when the transfer processing unit receives a notification to the second user that the transfer amount is agreed.

The first receiving unit receives the number of transfer sources in association with the transfer amount,
14. The transfer processing device according to claim 13, wherein the confirmation unit transmits to the second user an amount obtained by dividing the transfer amount by the number of transfer sources.

The first user information storage unit stores the number of the transfer source in association with information identifying the first user,
Furthermore,
A counting unit that counts the number of the second users who have designated the first user as a transfer destination;
When a predetermined time has elapsed from the reception of the first receiving unit, if the count number of the counting unit is smaller than the number of the transfer sources stored in the first user information storage unit, the first user The transfer processing apparatus according to claim 14, further comprising a number confirmation unit that transmits information indicating the fact to the terminal.

The first receiving unit receives information specifying the second user in association with the transfer source information or the transfer destination information,
Further, a terminal information acquisition unit that acquires terminal identification information that identifies the terminal of the second user,
2. The transfer processing device according to claim 1, further comprising a notifying unit that notifies the terminal of the second user specified by the terminal specifying information that there is a transfer.

Further, a URL assigning unit that assigns a URL to each of the receptions of the first receiving unit,
The first user storage unit stores the URL in association with information identifying the first user,
The notifying unit further notifies the terminal of the second user of the URL,
17. The transfer processing apparatus according to claim 16, wherein the second receiving unit receives the access to the URL as the other of the transfer source information and the transfer destination information.

A transfer processing device that performs a transfer process between users,
A URL storage unit that stores a plurality of pieces of user identification information that respectively identify a plurality of users in association with the URLs;
A first receiving unit that receives a first URL;
A first user specifying unit that specifies a first user using the first URL and the URL storage unit;
A first user information storage unit that stores information that specifies the first user specified by the first user specification unit;
A second receiving unit that receives a second URL in association with information that specifies the first user;
A second user specifying unit that specifies the second user by using the second URL and the URL storage unit;
A transfer process between the first user and the second user when the information for specifying the first user received by the second receiving unit is stored in the first user specifying unit; And a transfer processing unit for performing the transfer.

A terminal information acquisition unit that acquires terminal identification information that identifies each terminal of the plurality of users,
An identification information providing unit for providing transfer identification information to each of the receptions of the first receiving unit;
Using the terminal identification information stored in the terminal information storage unit, a transmission unit that transmits the transfer identification information to the terminal,
Further comprising
The first user information storage unit further stores the transfer identification information in association with information identifying the first user,
The second receiving unit further receives the transfer identification information in association with the transfer destination information and the information identifying the first user,
The transfer processing unit may further include the transfer identification information received by the second receiving unit, in the first user information storage unit, associated with the information identifying the first user received by the second receiving unit. 19. The transfer processing apparatus according to claim 18, wherein the transfer processing between the first user and the second user is performed when the transfer identification information matches.

The transfer information providing unit embeds information indicating a reception time of the first receiving unit in the transfer identification information,
The transfer processing unit further recognizes the reception time of the second reception unit, and the reception time is from the reception time of the first reception unit recognized by the transfer identification information received by the second reception unit. 20. The transfer processing apparatus according to claim 19, wherein the transfer processing between the first user and the second user is performed when the time is within a predetermined period.

The first receiving unit receives an IP address as the terminal identification information,
Furthermore,
An address storage unit that stores each mail address of the plurality of users in association with information identifying the user,
A confirmation mail transmitting unit that selects the address of the first user from the address storage unit, and transmits a confirmation mail to the first user to confirm that the transfer destination is the second user; Further comprising
The first receiving unit further receives information indicating agreement with the confirmation mail,
The transfer processing unit may perform a transfer process between the first user and the second user on condition that information indicating agreement with the confirmation mail is received from the first user. 19. The transfer processing apparatus according to claim 18, wherein

An account information storage unit that stores information that specifies an account of each financial institution of the plurality of users;
A connection unit that connects to an account management device that manages the account of the financial institution;
Further comprising
The transfer processing unit acquires, from the account information storage unit, information that specifies the account of the first user and information that specifies the account of the second user, and obtains the account via the connection unit. 19. The transfer processing apparatus according to claim 18, wherein the management apparatus is instructed to transfer money between the account of the first user and the account of the second user.

An identification information providing unit that provides transfer identification information to each of the receptions of the first receiving unit,
23. The transfer processing device according to claim 22, wherein the transfer processing unit further transmits the transfer identification information to the account management device.

The first user information storage unit further stores a time at which the first receiving unit receives the transfer source information in association with the transfer source information,
The transfer processing unit recognizes a time at which the transfer destination information is received, and performs a transfer process when the time is within a predetermined time from a time at which the transfer source information is received. 19. The transfer processing device according to 18.

A number-of-receptions storage unit that stores the number of times the second receiving unit receives the user in association with the user,
Based on the number of receptions stored in the number-of-times-of-reception storage unit, an unauthorized user selection unit that selects a user determined to have attempted unauthorized access,
19. The transfer processing apparatus according to claim 18, further comprising a corresponding unit that performs a predetermined operation on the user selected by the unauthorized user selection unit.

An update unit that updates the number-of-receptions storage unit by subtracting the number of times transfer has been established for the user from the number of receptions stored in the number-of-receptions storage unit,
26. The transfer processing apparatus according to claim 25, wherein the unauthorized user selection unit selects a user whose reception count stored in the reception count storage unit exceeds a predetermined value.

The reception count storage unit stores the reception count within a predetermined period from the present,
26. The transfer processing apparatus according to claim 25, wherein the unauthorized user selection unit selects a user whose reception count stored in the reception count storage unit exceeds a predetermined value.

A terminal information storage unit that stores terminal identification information that identifies each terminal of the plurality of users in association with the information that identifies the user,
26. The terminal according to claim 25, wherein the correspondence unit selects terminal identification information stored in the terminal information storage unit in association with the user selected by the unauthorized user selection unit, and transmits warning data. The transfer processing device according to 1.

A terminal for transmitting and receiving information relating to a transfer process with a transfer processing device that performs a payment process between users,
A specific information storage unit that stores information that specifies the user of the terminal, and a display unit that selectively displays a display that prompts connection to the transfer processing device,
When the display by the display unit is selected, information for identifying the user of the terminal from the identification information storage unit, and a transmission unit that transmits the information to the transfer processing device,
A terminal comprising:

The display unit further displays so as to be selectable as a transfer source or a transfer destination,
The transmission unit further includes, when the transfer source is selected, transfer source information indicating that, and when the transfer destination is selected, the transfer destination information indicating that, 30. The terminal according to claim 29, wherein the terminal is transmitted to a transfer processing device.

The display unit further displays an identification number input field for inputting transfer identification information for mutually identifying transfer processing,
31. The terminal according to claim 30, wherein the transmission unit further transmits the transfer identification information input in the identification number input field to the transfer processing device.

The display unit further displays an amount input column for inputting a transfer amount when the transfer destination is selected.
31. The terminal according to claim 30, wherein the transmission unit further transmits the transfer amount displayed in the amount input column to the transfer processing device.

The display unit further displays a number input field for inputting the number of persons of the transfer source when the transfer destination is selected,
31. The terminal according to claim 30, wherein the transmission unit further transmits the number of people displayed in the number of people input column to the transfer processing device.

The terminal according to claim 29, wherein the specific information storage unit stores a URL as information for specifying the user.

A transfer processing system that includes a plurality of user terminals and a transfer processing device that communicates with the terminal, and performs a transfer process between the users,
The first terminal used by the first user is:
A specific information storage unit that stores information that specifies the user of the terminal and a transfer unit or a display unit that selectively displays a transfer source,
The information for specifying the user of the terminal stored in the specific information storage unit is transmitted to the transfer processing device, and when one of the transfer source and the transfer destination is selected on the display unit, the transfer is performed. A transfer unit that transmits to the transfer processing device transfer source information indicating that the source has been selected, or transfer destination information indicating that the source has been selected.
Has,
The second terminal used by the second user is:
A specific information storage unit that stores information that specifies the user of the terminal and a display unit that selectively displays the other of the transfer destination or the transfer source,
An obtaining unit configured to obtain information for specifying the first user;
When the information for specifying the user of the terminal stored in the specific information storage unit is transmitted to the transfer processing device, and the transfer unit or the transfer destination is selected on the display unit, the first A transmitting unit for transmitting to the transfer processing device, information for specifying the user of the transfer and transfer source information indicating that the transfer destination has been selected or transfer source information indicating that the transfer source has been selected. When,
Has,
The transfer processing device,
From the first terminal, information for specifying a first user, and a first receiving unit that receives one of the transfer source information or the transfer destination information,
A first user information storage unit that stores one of the transfer source information or the transfer destination information in association with information that specifies the first user;
From the second terminal, information for specifying a second user, the other of the transfer destination information or the transfer source information, and a second receiving unit that receives information for specifying the first user,
When the information specifying the first user received by the second receiving unit is associated with the transfer source information or the transfer destination information in the received information storage unit, the first user and the second A transfer processing system, comprising: a transfer processing unit that performs a transfer process between users.

A transfer processing system that includes a plurality of user terminals and a transfer processing device that communicates with the terminal, and performs a transfer process between the users,
The first terminal used by the first user is:
A specific information storage unit that stores a URL indicating a connection to the transfer processing device as information for specifying a user of the terminal, and a display unit that selectively displays a display prompting connection to the transfer processing device;
A transmission unit that reads the URL from the specific information storage unit when the display by the display unit is selected, transmits the URL, and connects to the transfer processing device;
Has,
The second terminal used by the second user is:
An obtaining unit configured to obtain information for specifying the first user;
A specific information storage unit that stores a URL indicating a connection to the transfer processing device as information for specifying a user of the terminal;
A display unit that displays a selection prompting connection to the transfer processing device in a selectable manner;
When the display by the display unit is selected, the URL is read from the specific information storage unit, the URL is transmitted, and the URL is connected to the transfer processing device, and the transmission that transmits the information for specifying the first user is transmitted. Department and
Has,
The transfer processing device,
A URL storage unit that stores a plurality of pieces of user identification information that respectively identify a plurality of users in association with the URLs;
A first receiving unit that receives a first URL from the terminal of the first user;
A first user specifying unit that specifies a first user using the first URL and the URL storage unit;
A first user information storage unit that stores information that specifies the first user specified by the first user specification unit;
A second receiving unit that receives a second URL from the terminal of the second user in association with information identifying the first user;
A second user specifying unit that specifies the second user by using the second URL and the URL storage unit;
When the information identifying the first user received by the second receiving unit is stored in the first user identifying unit, a transfer process between the first user and the second user is performed. And a transfer processing unit for performing the transfer.

A transfer processing method for performing a transfer process between the users by using a plurality of user terminals and a transfer processing device that communicates with the terminal,
A first terminal used by a first user, wherein the first terminal obtains information identifying the first user;
A step in which the first terminal selectively displays a transfer source or a transfer destination;
In the first terminal, transfer source information indicating that the first terminal has been selected to be a transfer source when it is selected to be one of a transfer source and a transfer destination in the display. Or transmitting the transfer destination information indicating that the transfer destination has been selected to the transfer processing device in association with the information specifying the first user;
A step in which the second terminal used by the second user selectively displays that the terminal is a transfer destination or a transfer source;
A step in which the second terminal acquires information for identifying the first user;
The second terminal acquiring information for identifying the second user;
In the second terminal, when the display by the display unit is selected, and when it is selected to be the other of the transfer destination or the transfer source, the second terminal transmits the transfer source information or the transfer destination Transmitting the other of the information, the information specifying the first user, and the information specifying the second user to the transfer processing device;
A step in which the transfer processing device receives information specifying the first user in association with one of the transfer source information or the transfer destination information;
The transfer processing device stores information identifying the first user received in association with one of the transfer source information or the transfer destination information;
A step in which the transfer processing device receives information specifying a second user in association with the transfer destination information or the transfer source information and the information specifying the first user;
When the information for identifying the first user, which is received in association with the information for identifying the second user, is stored, the transfer processing device may determine whether the first user and the second user And performing a transfer process between the two.

A transfer processing method for performing a transfer process between the users by using a plurality of user terminals and a transfer processing device that communicates with the terminal,
A step in which a first terminal used by the first user acquires a first URL for connection to the transfer processing device as information for specifying a user of the first terminal;
A step in which the first terminal selectively displays a display prompting connection to the deposit processing device;
In the first terminal, when the display is selected, the first terminal transmits the first URL and connects to the transfer processing device;
A step in which the second terminal used by the second user acquires information specifying the first user;
A step in which the second terminal acquires a second URL for connection to the transfer processing device as information for specifying a user of the second terminal;
A step in which the second terminal selectively displays a prompt for connection to the transfer processing device;
In the second terminal, when the display is selected, the second terminal transmits the second URL, connects to the deposit processing device, and transmits information for identifying the first user. Sending,
The transfer processing device receiving the first URL from the first terminal;
A step in which the transfer processing device specifies a first user by using a URL storage unit that stores a plurality of pieces of user specifying information respectively specifying a plurality of users in association with URLs, and the first URL When,
A step in which the transfer processing device stores information specifying the first user in a first user information storage unit;
A step in which the transfer processing device receives the second URL from the second terminal in association with information identifying the first user;
Identifying the second user using the second URL and the URL storage unit;
When the information specifying the first user received in association with the second URL is stored in the first user information storage unit, the information between the first user and the second user is stored. And a step of performing a transfer process.

A recording medium that stores a computer-executable program for performing a transfer process between users,
The program is
A first receiving module that receives information specifying the first user in association with transfer source information indicating that the user is a transfer source, or information indicating that the user is a transfer destination,
A first user information storage module for storing information identifying the first user received in association with one of the transfer source information or the transfer destination information;
A second receiving module that receives information specifying a second user in association with one of the transfer source information or the transfer destination information and the information specifying the first user;
When the information identifying the first user received by the second receiving module is stored by the received information storage module, a transfer process between the first user and the second user is performed. A recording medium comprising a transfer processing module.

A recording medium storing a computer-executable program that performs a transfer process between users by using a URL storage unit that stores a plurality of pieces of user identification information that respectively identify a plurality of users in association with URLs. And
The program is
A first receiving module for receiving a first URL;
A first user identification module that identifies a first user using the first URL and the URL storage unit;
A first user information storage module that stores information for specifying the first user specified by the first user specifying unit;
A second receiving module for receiving a second URL in association with the information specifying the first user;
A second user identification module that identifies the second user using the second URL and the URL storage unit;
When the information identifying the first user received by the second receiving unit is stored by the first user identification module, a transfer process between the first user and the second user is performed. A recording medium, comprising: a transfer processing module for performing transfer.

A recording medium storing a program used in a terminal that transmits and receives information regarding a transfer process between a transfer processing device that performs a payment process between users,
A display module that selectively displays a display prompting connection to the transfer processing device;
When the display by the display unit is selected, a transmission module that reads information that specifies the user of the terminal from the specific information storage unit that stores information that specifies the user of the terminal, and transmits the information to the transfer processing device,
A recording medium comprising:

The display module further displays a transfer source or a transfer destination so as to be selectable,
The transmission module further includes, when the transfer source is selected, transfer source information indicating that fact, and when the transfer destination is selected, transfer destination information indicating that fact, 42. The recording medium according to claim 41, wherein the recording medium is transmitted to a deposit processing device.

The display module further displays an input field for inputting transfer identification information for mutually identifying transfer processing when the transfer destination is selected,
42. The recording medium according to claim 41, wherein the transmission module further transmits the transfer identification information input in the input field to the transfer processing device.