WO2012029796A1

WO2012029796A1 - Money provision management system, control method for money provision management system, recording medium and program

Info

Publication number: WO2012029796A1
Application number: PCT/JP2011/069627
Authority: WO
Inventors: 康志山内
Original assignee: 楽天株式会社
Priority date: 2010-08-31
Filing date: 2011-08-30
Publication date: 2012-03-08
Also published as: JP5314196B2; JPWO2012029796A1

Abstract

After money provision has been solicited for an object of purchase by a user who is to be a destination for provision of the money, the present invention associates the money that is scheduled to be provided by any user who satisfies a money provision condition in response to the solicitation with the object of purchase to manage the money. A money provision solicitation data acquisition unit (24) acquires money provision solicitation data indicating that money provision has been solicited for an object of purchase by a provision destination user. A money provision solicitation start data provision unit (26) acquires the money provision solicitation data, and then refers to a data storage unit (20) for storing user information of candidate users to identify candidate users who satisfy a money provision condition that has been set beforehand for each candidate user. A provided money amount management data generation unit (34) generates provided money amount data indicating the money amount that is scheduled to be provided for the object of purchase by a user in association with user information of the user who is the provision origin, who is any of the users who are identified candidate users, and data indicating the object of purchase.

Description

Money providing management system, method for controlling money providing management system, recording medium and program

The present invention relates to a money provision management system, a control method of the money provision management system, a recording medium, and a program.

There are systems that support donations and funding using the Internet. Patent Document 1 discloses a system in which a payer or a third party can specify how a recipient uses at least a part of a payment amount. Patent Document 2 discloses a donation management apparatus that can feed back the use status of donations to a person who has contributed and encourage donation activities.

JP 2007-48015 A JP 2010-113659 A

Generally, a user who makes a donation, provides funds, or the like wants a user who provides money to use the provided money appropriately. In addition, when a user who makes a donation or funds is not satisfied with the money provision conditions set in advance, it is desirable that the user does not provide money. Here, after a system for supporting donations and funding, etc. has been solicited for the offer of goods and services, etc. by the user to whom the money is provided, the money to be provided according to the offer is purchased. When managed in association with an object, a user who makes a donation or provides a fund can grasp what purchase object the money to be provided is used for. This is convenient for users who make donations or provide funds.

The present invention has been made in view of the above-described problems, and one of its purposes is that after a user who is a provider of money has solicited money for a purchase target, the conditions for providing money according to the offer The money planned to be provided by any of the users who satisfy the above is managed in association with the purchase target.

In order to solve the above-described problem, the money provision management system according to the present invention obtains money provision solicitation data indicating that money provision for a purchase target has been recruited by a provision destination user as a money provision destination. Refer to user information storage means for storing user information of candidate users who are candidates for users who provide money after the money offer solicitation data is obtained by the data obtaining means and the money offer solicitation data obtaining means, A user specifying means for specifying a candidate user that satisfies a preset financial provision condition for each candidate user, and a provider user who is one of the candidate users specified by the user specifying means Scheduled to be provided to the purchase target by the user in association with user information and data indicating the purchase target Characterized in that it comprises a providing amount data generation means for generating providing amount data indicating the amount, the.

In addition, the control method of the money provision management system according to the present invention includes a money provision solicitation data acquisition step for obtaining money provision solicitation data indicating that money provision for a purchase target has been solicited by a provision destination user as a money provision destination. The user information storage means for storing user information of a candidate user who is a candidate for a user who provides money after the money offer solicitation data is acquired by the money offer solicitation data acquisition step, and the candidate user A user specifying step for specifying a candidate user who satisfies a preset financial provision condition for each time, and user information of a providing user who is one of the candidate users specified by the user specifying step, And provided to the purchase target by the user in association with the data indicating the purchase target. Characterized in that it comprises a providing amount data generating step of generating provides money data indicating the amount of appointment, a.

In addition, the recording medium according to the present invention includes a monetary offer solicitation data acquisition means for obtaining monetary offer solicitation data indicating that monetary offer for a purchase target has been solicited by a providing user who is a recipient of money, and the monetary offer solicitation After the money offer solicitation data is acquired by the data acquisition means, the user information storage means for storing the user information of the candidate user who is the candidate for the user who provides money is set in advance for each candidate user. A user specifying means for specifying a candidate user who satisfies the money provision condition, user information of a providing user who is one of the candidate users specified by the user specifying means, and the purchase target In association with the data, the provided amount data indicating the amount of money scheduled to be provided to the purchase target by the user is generated. A recording medium recording a program for causing a computer to function as test amount data generation means.

Further, the program according to the present invention includes a monetary offer solicitation data acquisition means for obtaining monetary offer solicitation data indicating that monetary offer for a purchase target has been solicited by a provision destination user as a monetary offer destination, the monetary offer solicitation data After the money offer solicitation data is obtained by the obtaining means, the user information storage means for storing user information of a candidate user who is a candidate for a user who provides money is set in advance for each candidate user. User specifying means for specifying a candidate user who satisfies the money providing conditions, user information of a providing user who is one of the candidate users specified by the user specifying means, and data indicating the purchase target In association with, the provided amount data indicating the amount of money scheduled to be provided to the purchase target by the user is generated. Providing amount data generating means, characterized in that causes a computer to function as a.

In the present invention, the user information of any user among the candidate users who satisfy the money provision conditions after the money provision solicitation data indicating that the provision of money for the purchase target has been recruited by the provision destination user, purchase Provided amount data in which the target and the amount to be provided are associated is generated. In this way, according to the present invention, after money offer for a purchase target is solicited by a user who is a recipient of money, it is scheduled to be provided by any user who satisfies the money provision conditions according to the offer. Money is managed in association with the purchase target.

In one aspect of the present invention, the provided amount data is based on an evaluation data acquisition unit that acquires evaluation data indicating an evaluation of the providing destination user by a user different from the providing source user, and the evaluation indicated by the evaluation data. And an amount determining means for determining an amount to be provided to the providing destination user among the amounts to be shown.

Moreover, in one aspect of the present invention, the evaluation data acquisition unit acquires evaluation data indicating evaluations for the provision destination user by a plurality of users including users different from the provider user, and the amount determination unit includes: An amount to be provided to the provision destination user is determined based on an evaluation of the provision destination user by the plurality of users, and each of the plurality of users includes the provision source user when a plurality of the provision source users exist. Is a different provider user, a user who is neither the provider user nor the provider user, or the provider user.

In one embodiment of the present invention, a plurality of users are based on at least one of a user attribute, whether or not the provider user is provided, and an amount indicated by provided amount data corresponding to the provider user. And further comprising a comprehensive evaluation index determining means for determining a comprehensive evaluation index that represents the comprehensive evaluation of the supply destination user by weighting the evaluation for each of the providing destination users, and the amount determining means is represented by the comprehensive evaluation index An amount of money provided to the provision destination user is determined based on comprehensive evaluation.

Moreover, in one aspect of the present invention, the amount determining unit subtracts the amount obtained by subtracting the amount provided to the providing destination user determined by the amount determining unit from the amount indicated by the provided amount data to the providing source user. It is determined as the amount to be returned.

Moreover, in one aspect of the present invention, it further includes evaluation data receiving means for receiving evaluation data for evaluating whether or not the purchase target is purchased from each candidate user, and the provided amount data generating means includes the evaluation data in the evaluation data. The provided amount data is generated when an evaluation result based on the evaluation satisfies a predetermined condition.

Moreover, in one aspect of the present invention, the user information storage unit stores a determination condition for determining whether or not money is provided and the user information in association with each other, and the provided amount data generation unit includes For the candidate user, when the evaluation result based on the evaluation data satisfies the determination condition, the provided amount data is generated.

Further, in one aspect of the present invention, in response to the acquisition of the money provision solicitation data, money provision solicitation start data provision is provided that provides the candidate user with money provision solicitation start data indicating that the recruitment of money provision has been started. Means, an evaluation data receiving means for receiving evaluation data indicating an evaluation of the purchase destination user purchasing the purchase object, and aggregate data generated based on at least one of the evaluation data to the candidate user Providing aggregated data providing means; and monetary provision application data receiving means for accepting monetary provision application data indicating that a monetary provision for the purchase target is applied from any one of the candidate users. The provided amount data generating means provides money for the purchase target from the providing user. Depending on the acceptance of monetary offers application data indicating Komu, and user information of the provider user, and, and generating the provided amount data associated with the data indicating the purchase target.

Further, according to one aspect of the present invention, it further includes order confirmation determination means for determining whether or not the purchase target order by the provision destination user is confirmed, wherein the money provision application data receiving means is the purchase target. The monetary provision application data associated with the amount to be provided is received, and the order confirmation determining means determines that the sum of the amounts indicated by the provision amount data associated with the purchase target is the purchase amount of the purchase target. If the total shortage amount with respect to the purchase amount is equal to or less than the maximum self-pay amount set for the providing user when not reaching, it is determined to determine the order to be purchased To do.

In one aspect of the present invention, the money provision condition is at least one of the provision destination user, the attribute of the provision destination user, and the purchase target set by a candidate user associated with the money provision condition. It is the condition regarding one.

1 is an overall configuration diagram of a computer network according to a first embodiment of the present invention. It is a functional block diagram which shows an example of the function implement | achieved with the money provision management system which concerns on 1st Embodiment. It is a figure which shows an example of contribution destination user account data. It is a figure which shows an example of contribution origin candidate user account data. It is a figure which shows an example of goods master data. It is a figure which shows an example of point management data. It is a flowchart which shows an example of the flow of the process performed with the money provision management system which concerns on 1st Embodiment. It is a figure which shows an example of donation offer management data. It is a figure which shows an example of donation amount management data. It is a flowchart which shows an example of the flow of the process performed with the money provision management system which concerns on 2nd Embodiment. It is a figure which shows an example of donation amount management data. It is a functional block diagram which shows an example of the function implement | achieved with the money provision management system which concerns on 3rd Embodiment. It is a figure which shows an example of account data. It is a flowchart which shows an example of the flow of the process performed with the money provision management system which concerns on 3rd Embodiment. It is a figure which shows an example of donation plan amount management data. It is a figure which shows an example of a donation plan amount reference screen. It is a flowchart which shows an example of the flow of the process performed with the money provision management system which concerns on 3rd Embodiment. It is a figure which shows an example of evaluation management data.

[First Embodiment]
Hereinafter, a first embodiment of the present invention will be described in detail with reference to the drawings.

FIG. 1 is an overall configuration diagram of a computer network according to the first embodiment of the present invention. As shown in FIG. 1, the first computer network 16-1 such as the Internet includes a money provision management system 10 and user terminals 12 (12-1 to 12-n), each of which is mainly configured by a computer. It is connected. The money provision management system 10 and the user terminal 12 can communicate with each other. In addition, as shown in FIG. 1, a money provision management system 10 and a payment management system 14 mainly composed of a computer include a CAFIS (Credit Finance Information Switching system) ("CAFIS" is a registered trademark) and the like. Two computer networks 16-2. The money provision management system 10 and the settlement management system 14 can communicate with each other.

The user terminal 12 is a computer used by the user of the money provision management system 10. The user terminal 12 includes, for example, a control device such as a CPU, a storage element such as a ROM and a RAM, a storage device such as a hard disk drive, an output device such as a display, an input device such as a mouse and a keyboard, and a communication device such as a network board. It is comprised by the well-known personal computer. The user terminal 12 according to the present embodiment has a web browser and an e-mail client installed in advance, and these application programs are executed. The user terminal 12 receives various services provided by the money provision management system 10 through a web browser, and receives an email transmitted from the money provision management system 10 through an email client.

The settlement management system 14 is, for example, a computer system such as a server that performs a settlement process for a credit card used by the user of the user terminal 12. The settlement management system 14 executes, for example, a charge amount confirmation process, a money withdrawal request process from the user account, a money transfer request process to the user account, and the like.

The money provision management system 10 is a system that supports the exchange of money between users of the user terminal 12, for example. The monetary provision management system 10 includes, for example, a donation management system that supports donations to users by NGOs (Non-Governmental Organizations), NPOs (Nonprofit Organizations), and politicians, and a fund provision management system that supports users by providing funds It is used as a donation system that supports user donations to politicians' money management organizations. In this embodiment, the money provision management system 10 is used as a donation management system that supports donations to NPOs.

The money provision management system 10 and the payment management system 14 are, for example, a control unit that is a program control device such as a CPU that operates according to a program installed in its own device, a storage element such as a ROM or a RAM, a hard disk drive, or the like. The communication unit is a communication unit such as a storage unit and a network board. These elements are connected via a bus. A program executed by the control unit of the own device is stored in the storage unit of the money provision management system 10 and the payment management system 14. In addition, the storage units of the money provision management system 10 and the payment management system 14 also operate as work memory of the own device.

In this embodiment, when the user terminal 12 accesses the money provision management system 10 through a web browser, inputs a user ID and a password, and then accesses a predetermined URL, the predetermined URL is displayed on the display of the user terminal 12. A screen corresponding to is displayed. In addition, after inputting a user ID and a password, the money provision management system 10 can identify the user ID of the user who uses the user terminal 12 by referring to a cookie, for example.

The money provision management system 10 according to the present embodiment also has a function of a known shopping site. In the present embodiment, the money provision management system 10 receives, for example, a product or service to be purchased from an NPO user terminal 12 that is a user as a donation destination (for example, an NPO is in response to a disaster area such as an earthquake disaster). Order for 100 blankets to be sent). Then, the money provision management system 10 accepts an application for donation associated with the amount to be donated from the user terminal 12 of the user who agrees to purchase 100 blankets by the NPO, and performs settlement processing based on the amount. Request the settlement management system 14.

Here, functions implemented by the money provision management system 10 according to the present embodiment will be described. FIG. 2 is a functional block diagram showing an example of functions realized by the money provision management system 10 according to the present embodiment.

As shown in FIG. 2, the money provision management system 10 according to the present embodiment includes a data storage unit 20, an order processing execution unit 22, a money provision recruitment data acquisition unit 24, a money provision recruitment start data provision unit 26, and a money provision application. The data reception unit 28, the point subtraction unit 30, the order confirmation determination unit 32, the provided amount management data generation unit 34, and the evaluation data management unit 36 are configured. The data storage unit 20 is realized mainly by the storage unit of the money provision management system 10. Other elements are realized mainly by the control unit of the money provision management system 10.

These elements are realized by executing a program installed in the money provision management system 10 which is a computer by the control unit of the money provision management system 10. Note that this program is supplied to the money provision management system 10 via a computer-readable recording medium such as a CD-ROM or DVD-ROM, or via a communication network such as the Internet.

In the money provision management system 10 according to the present embodiment, the user account registration process is completed in advance, and the data storage unit 20 stores, for example, the donation destination user account data 40 shown in FIG. 3 and the donation shown in FIG. Original candidate user account data 42, product master data 44 shown in FIG. 5, point management data 46 shown in FIG. 6, and group data (not shown) are stored.

The group data is, for example, information related to a group configured by one or a plurality of NPOs (users), and includes, for example, a group ID that is a group identifier, group name data that is a group name, and the like.

As shown in FIG. 3, donation destination user account data 40 is user information of a user (donation destination user) as a donation destination, for example, an identifier of a donation destination user (for example, NPO in this embodiment). It includes a user ID, user name data indicating the name of the donation destination user, a group ID of the group to which the donation destination user belongs, and the like. FIG. 3 shows donation destination user account data 40 of two donation destination users (the values of the respective user IDs are “0101” and “0102”). These two donation destination users belong to the same group whose group ID value is “001”.

As shown in FIG. 4, the donation source candidate user account data 42 is user information of a user who is a donation source candidate (donation source candidate user). For example, the donation source candidate user (in this embodiment) For example, a user ID that is an identifier of a person who is interested in a non-profit activity of an NPO), user name data indicating the name of a donor candidate user, a donation destination user who is a donation destination of a donation by a donor candidate user Includes the donation group ID that is the group ID to which it belongs, the minimum donation amount data indicating the minimum amount of donation by the donation source candidate user, the maximum donation amount data indicating the maximum amount of donation by the donation source candidate user, etc. Yes. FIG. 4 shows four donation source candidate users (the values of the respective user IDs) that are candidates for donating to a donation destination user belonging to a specific group (a group whose group ID value is “001”). "0001", "0002", "0003", and "0004"). The above-mentioned minimum donation amount data and maximum donation amount data are set for each donation source candidate user. As shown in FIG. 4, a user whose maximum donation amount data value is set to “point linkage”, such as a donation source candidate user whose user ID value is “0004”, The amount indicated by donation amount data is linked. Further, as shown in FIG. 4, the amount itself may be set in the minimum donation amount data or the maximum donation amount data.

As illustrated in FIG. 5, the product master data 44 is data for managing products and services to be purchased that are handled on a shopping site, for example, a purchase target ID that is an identifier of a purchase target, a purchase target, and the like. Name data indicating the name of the product, price data indicating the price of the purchase target, and the like. FIG. 5 shows blanket product master data 44. In the blanket product master data 44 shown in FIG. 5, the value of the purchase target ID is set to “0001”. The price of one blanket is set at 5,000 yen.

As shown in FIG. 6, the point management data 46 is data for managing the points associated with the amount of money given to the user according to, for example, the amount used or the number of times of use of the shopping site. It includes a user ID, which is a user identifier, and point data indicating points. In the present embodiment, for example, one point corresponds to 100 yen. In the present embodiment, for example, the user ID of the point management data 46 corresponds to the user ID of the donation destination user account data 40 and the user ID of the donation source candidate user account data 42. In the present embodiment, for example, in the donation source candidate user account data 42 shown in FIG. 4, a donation source candidate user whose maximum donation amount data value is “point linkage” corresponds to the point indicated by the point data. The amount is treated as the amount indicated by the maximum donation amount data. For example, as shown in FIG. 4, the value of the maximum donation amount data included in the donation source candidate user account data 42 of the donation source candidate user whose user ID value is “0004” is “point linkage”. Yes. As shown in FIG. 6, the value of this user's point data is 50. Therefore, the amount indicated by the maximum donation amount data of the user is treated as 100 yen × 50 = 5,000 yen.

The order processing execution unit 22 realizes the function of a shopping site in the money provision management system 10 according to the present embodiment. In the present embodiment, the order processing execution unit 22 receives, for example, the minimum self of the purchase target and the purchase quantity from the user terminal 12 of the donation destination user and the amount that the donation destination user pays for the purchase target. It accepts donation solicitation data indicating that the donation for the purchase target is solicited, which is associated with the maximum self-pay amount, which is the maximum amount of money to be paid by the donated user.

Here, an example of the flow of processing performed by the money provision management system 10 according to the present embodiment when the order processing execution unit 22 receives the above-described order will be described with reference to the flowchart shown in FIG.

First, the monetary offer solicitation data acquisition unit 24 acquires the donation solicitation data accepted by the order processing execution unit 22, and generates donation solicitation management data 48 shown in FIG. 8 (S101). The donation solicitation management data 48 is data for managing products and services to be purchased that are ordered at a shopping site and for which donation from the user is solicited by the money provision management system 10 according to the present embodiment. Donation destination user ID, which is the user ID of the donation destination user who performed processing, purchase target ID of the product or service to be purchased, quantity data indicating the purchase quantity of the purchase target specified by the order by the donation destination user, and soliciting donations Donation solicitation amount data indicating the amount to be paid, minimum self-payment amount data indicating the minimum self-pay amount, and maximum self-pay amount data indicating the maximum self-pay amount.

In this embodiment, for example, the order processing execution unit 22 orders 100 blankets from the user terminal 12 of the donation destination user whose user ID value is “0001”, and the minimum self-payment amount is 0 yen. And accepting donation solicitation data indicating that the maximum amount of self-pay is 200,000 yen. The money offer solicitation data obtaining unit 24 obtains this donation solicitation data, the value of the donation destination user ID is set to “0101”, and the value of the purchase target ID is a value corresponding to the blanket in the product master data 44. “0001” is set, the value of the quantity data is set to “100”, the amount indicated by the minimum self-pay amount data is set to 0 yen, and the amount indicated by the maximum self-pay amount data is set to 200,000 yen. Further, the donation recruitment management data 48 shown in FIG. 8 is generated. At this time, the monetary offer solicitation data acquisition unit 24 determines that the unit price of the blanket indicated in the product master data 44 is 5,000 yen and the value of the quantity data is 100. = 500,000 yen is set as the amount indicated by the donation offer amount data of the donation offer management data 48.

Then, the money offer solicitation start data providing unit 26 has the same donation destination group ID value included in the donation source candidate user account data 42 as the group ID value of the group to which the donation destination user who has accepted the order belongs. A donation source candidate user is specified, and donation recruitment start data indicating that the recruitment of donation has been started is notified to the identified donation source candidate user (S102). The monetary offer solicitation start data providing unit 26 notifies the donation solicitation start data by e-mail, for example. It should be noted that the monetary offer solicitation start data providing unit 26 specifies that donation solicitation start data indicating that donation solicitation has started has been included in place of or via e-mail notification. The Web page that is permitted to be viewed by the donation source candidate user may be updated.

Then, money is provided until the predetermined donation period elapses or until the total donation amount reaches the amount indicated by the donation offer amount data included in the donation offer management data 48 generated in the process shown in S101. The application data reception unit 28 sequentially receives donation application data indicating that the donation application start data is notified from at least a part of the donation source candidate users, and applies for donation based on the donation application data. The amount is specified (S103). Hereinafter, the donation source candidate user that is the output source of the money provision application data in the process shown in S103 is referred to as a donation source user.

The donation application data includes, for example, at least one of donation point data indicating points to be used for donations within the range of points held by the donation source user and donation cash amount data indicating the amount of cash to be used for donations. Yes. The donation point data may indicate that all of the points held are to be donated. Then, the money provision application data reception unit 28 receives the points indicated by the donation point data (if the donation point data indicates that all the points held are to be donated, the donation source user holds the points. The sum of the value obtained by multiplying the value of all points) by 100 yen and the amount indicated by the donation cash amount data is specified as the donation application amount.

When the value of the donation cash amount data is 0, the money provision application data reception unit 28 multiplies the point value indicated by the point data included in the point management data 46 of the donation source user by 100 yen. Specify as donation application amount.

The monetary offer application data receiving unit 28 receives from the donation source user an amount not less than the amount indicated by the minimum donation amount data included in the donation source candidate user account data 42 corresponding to the user and not more than the amount indicated by the maximum donation amount data. Only when accepting a donation application, the amount is specified as a donation application amount. Otherwise, the user terminal 12 of the user who has applied for donation is notified that the donation application does not meet the conditions. It may be.

Then, the order confirmation determining unit 32 checks whether or not the sum of the donation application amounts specified by the money provision application data receiving unit 28 in the process shown in S103 has reached the offer amount (S104). If the solicitation amount has not been reached (S104: N), the order confirmation determination unit 32 determines that the sum of the sums that is insufficient with respect to the solicitation amount is the donation solicitation management data 48 generated in the process shown in S101. It is confirmed whether or not it is equal to or less than the amount indicated by the maximum self-payment amount data included in (S105). If the condition shown in S105 is not satisfied (S105: N), the order confirmation determining unit 32 is notified of the donation recruitment start data in the process shown in the user terminal 12 of the donation recipient user and S102 that the transaction has not been established. The user terminal 12 of the donation source candidate user is notified (S106), and the processing shown in this processing example is terminated. In this case, the order to be purchased by the donation recipient user is canceled due to the inability to settle.

When it is confirmed in the processing shown in S104 that the offer amount has been reached (S104: Y), or when the conditions shown in S105 are satisfied (S105: Y), the order confirmation determination unit 32 confirms the order. To the user terminal 12 of the donation recipient user and the user terminal 12 of the donation source candidate user who has been notified of the donation recruitment start data in the process shown in S102, the provided amount management data generation unit 34 performs the process shown in S103. Based on the donation application amount specified by the money provision application data receiving unit 28, the donation amount management data 50 shown in FIG. 9 is generated (S107).

As shown in FIG. 9, each donation amount management data 50 corresponds to a donation source user. The donation amount management data 50 includes, for example, a donation source user ID that is a user ID of a donation source user, a donation destination user ID that is a user ID of a donation destination user that is a donation destination in this processing example, and a donation destination user. The purchase target ID of the purchase target to be purchased, the donation amount data indicating the amount donated to the donation destination user by the donation source user corresponding to the donation application amount specified in the process shown in S103, the amount indicated by the donation amount data Among them, point application amount data indicating the amount corresponding to the points of the point data used for donation is included. In the present embodiment, the donation amount management data 50 indicates, for example, that the amount of money indicated by the donation amount data is paid by the donation source user corresponding to the value of the donation source user ID. In the present embodiment, the amount indicated by the donation amount data included in the donation amount management data 50 is set within the range of the amount indicated by the maximum donation amount data associated with the donation source user.

In the present embodiment, when the donation point data is included in the money provision application data received in the process shown in S103, the point subtraction unit 30 uses the point corresponding to the donation point data as the donation source in the process shown in S107. Subtraction is performed from the point indicated by the point data included in the point management data 46 corresponding to the user. If the donation point data indicates that all points held are to be donated, the value of the point data included in the point management data 46 corresponding to the donation source user by the point subtraction unit 30 Is set to 0.

Then, the order processing execution unit 22 performs an inventory inquiry process for the purchase target for which the order has been confirmed, and makes a donation to the settlement management system 14 based on the donation amount management data 50 generated in the process shown in S107. The settlement management system 14 is requested to perform a settlement process in which the amount of money indicated by the donation amount data included in the amount management data 50 is deducted from the amount indicated by the point application amount data using the credit card of each donation source user ( S108), the processing shown in this processing example is terminated.

Thereafter, the payment management system 14 executes a payment process according to the process shown in S108.

As described above, in the money provision management system 10 according to the first embodiment, the purchase target to be purchased by the donation destination user is clarified and the donation for the purchase target is solicited. It is possible to know what kind of purchase object the donation recipient user is seeking for donation before applying for donation. Then, after knowing the specific use of the donation by the donation destination user, it is possible to decide whether or not to make a donation for the use. For this reason, it is expected that the use of donations will be more transparent and donations will be promoted to donated users.

In the first embodiment, in the process shown in S102 described above, the evaluation data management unit 36 evaluates evaluation data (e.g., any one of 0 to 10) for evaluating purchase of a purchase target by a donation destination user. The reception of an evaluation value that takes an integer value may be started. Then, the evaluation data management unit 36 may receive evaluation data from the donor candidate user. And the evaluation data management part 36 totals the received evaluation data, for example, produces | generates the aggregate data which shows the representative value (for example, average value) of an evaluation value, and donation offer start data are processed by the process shown to S102. You may make it notify total data to the notified user. Here, for example, every time evaluation data is received, the evaluation data management unit 36 may recalculate the evaluation data received so far to update the total data. In addition, the evaluation data management unit 36 may generate aggregate data based on the evaluation data received from when the reception of the evaluation data is started until a predetermined evaluation period elapses. In this way, the donation source candidate user can determine whether or not to make a donation with reference to the evaluation that the donation destination user purchases the purchase target.

[Second Embodiment]
The present invention is not limited to the first embodiment described above. Hereinafter, a second embodiment of the present invention will be described in detail with reference to the drawings.

In the second embodiment, the money provision management system 10 sends a product or service to be purchased (for example, an NPO is sent to a disaster area such as an earthquake disaster from a user terminal 12 of an NPO that is a donation destination user. An order for 100 blankets to be received is accepted. And the money provision management system 10 receives the evaluation with respect to purchase of 100 blankets by this NPO from the user. Then, when a predetermined condition is satisfied (for example, a majority of users who have evaluated the purchase of the blanket are approved), the user is requested to make a donation to the NPO to the settlement management system 14.

The computer network according to the second embodiment is represented by FIG. 1 like the computer network according to the first embodiment. Moreover, an example of the function implement | achieved by the money provision management system 10 which concerns on 2nd Embodiment is represented by the functional block diagram shown in FIG. 2 similarly to the money provision management system 10 which concerns on 1st Embodiment. Also, in the money provision management system 10 according to the second embodiment, the user account registration process has been completed in advance, as in the money provision management system 10 according to the first embodiment, and the data storage unit 20 For example, donation destination user account data 40 shown in FIG. 3, donation source candidate user account data 42 shown in FIG. 4, merchandise master data 44 shown in FIG. 5, point management data 46 shown in FIG. 6, group data (not shown) ) Is stored.

Here, an example of the flow of processing performed in the money provision management system 10 according to the second embodiment when the order processing execution unit 22 receives an order similar to the order described in the first embodiment. This will be described with reference to the flowchart shown in FIG.

First, the monetary offer solicitation data acquisition unit 24 acquires the donation solicitation data accepted by the order processing execution unit 22, and generates donation solicitation management data 48 shown in FIG. 8 (S201). Then, the money offer solicitation start data providing unit 26 has the same donation destination group ID value included in the donation source candidate user account data 42 as the group ID value of the group to which the donation destination user who has accepted the order belongs. The donation recruitment candidate data indicating that the donation source candidate user is identified and the donation solicitation started for the identified donation source candidate user, and the evaluation indicating the evaluation of the purchase target purchase by the donation destination user Evaluation start data indicating that reception of data (in this processing example, for example, an evaluation value having a value of either approval or opposite) has been started is notified (S202). It should be noted that the monetary offer solicitation start data providing unit 26 specifies that donation solicitation start data indicating that donation solicitation has started has been included in place of or via e-mail notification. The Web page that is permitted to be viewed by the donation source candidate user may be updated. Then, during a predetermined evaluation period, the evaluation data management unit 36 receives evaluation data from the donor candidate user who has been notified of the evaluation start data in the process shown in S202 (S203).

Then, the evaluation data management unit 36 aggregates the evaluation data received in the process shown in S203, and, for example, the number of received evaluation values taking the value of approval is greater than the number of receiving evaluation values taking the opposite value. (That is, whether or not a majority of the users who have made evaluations have been approved) (S204). If the majority of the users who have been evaluated are not in favor (S204: N), the order confirmation unit 32 indicates to the user terminal 12 and S202 of the donation recipient user that the transaction has not been established. The user terminal 12 of the donation source candidate user who is notified of the evaluation start data in the process is notified (S205), and the process shown in this process example is terminated. In this case, the order to be purchased by the donation recipient user is canceled due to the inability to settle.

If the majority of the users who have been evaluated are in favor (S204: Y), the order confirmation determination unit 32 indicates that the order has been confirmed by donating the user terminal 12 of the recipient user and S202. The donation amount associated with each user whose evaluation start data has been notified in the process shown in S202 is notified to the user terminal 12 of the donation source candidate user who has been notified of the recruitment start data. Management data 50 is generated (S206). Also in this processing example, the donation amount management data 50 indicates that, for example, money of the amount indicated by the donation amount data is paid by the donation source user corresponding to the value of the donation source user ID.

In this processing example, for example, all donation source candidate users who have been notified of donation recruitment start data in the processing shown in S202 are treated as donation source users. Each donation amount management data 50 corresponds to a donation source user. In this processing example, a donation amount is allocated to each donation source user according to a given rule. That is, in the present processing example, the provided amount management data generation unit 34, for example, the donation solicitation received in the processing shown in S201 is the sum of the amounts indicated by the donation amount data included in the donation amount management data 50 of each donation source user. The amount indicated by the donation amount data included in the donation amount management data 50 of each donation source user is set so as to match the amount indicated by the donation solicitation amount data included in the management data 48.

Here, an example of how to set the donation amount in this processing example will be described. In this method, the provided amount management data generation unit 34 specifies the minimum amount of the maximum donation amount of the donation source user whose provisionally allocated donation amount does not exceed the maximum donation amount, and the minimum amount Is repeatedly executed until the donation solicitation amount is exceeded, thereby setting the donation amount of each donation source user.

First, the provided amount management data generation unit 34 specifies, for example, a donation source user (for example, a user whose user ID value is “0004”) whose amount indicated by the maximum donation amount data is minimum. Then, the provided amount management data generating unit 34 indicates the maximum donation amount data to the four donation source users whose user ID values are “0001”, “0002”, “0003”, and “0004”, respectively. When an amount (for example, 5,000 yen) is allocated, the total amount (for example, 5,000 yen × 4 = 20,000 yen) allocated to the donation source user is included in the donation solicitation management data 48. It is confirmed whether or not the amount (for example, 500,000 yen) indicated by the donation amount data is exceeded.

Here, since it has not exceeded, the provided amount management data generation unit 34 allocates 5,000 yen to the above four donation source users. Then, the provided amount management data generation unit 34 selects a donation source user (for example, a user ID) whose amount indicated by the maximum donation amount data is the smallest among donation source users other than the user whose user ID value is “0004”. A user whose value is “0003”. Then, the provided amount management data generation unit 34 sends the maximum donation amount to the remaining donation source users (three donation source users whose user ID values are “0001”, “0002”, and “0003”, respectively). When the amount indicated by the data (for example, 200,000 yen) is further allocated, the sum total of the amounts allocated to each donation source user is the amount indicated by the donation amount data included in the donation amount management data 48 (for example, , 500,000 yen). Here, the amount allocated to the three donation source users whose user ID values are “0001”, “0002”, and “0003”, respectively, is 5,000 yen + 200,000 yen = 205,000 yen, the user Since the amount allocated to the donation source user whose ID value is “0004” is 5,000 yen, the total sum of the amount allocated to each donation source user is 205,000 yen × 3 + 5,000 yen = 620, 000 yen, exceeding 500,000 yen.

Here, the provided amount management data generation unit 34 subtracts 5,000,000 × 4 = 20,000, which is the amount already allocated to the donation source user, from 500,000, and then provides 480,000. It is further assigned to three donation source users whose ID values are “0001”, “0002”, and “0003”, respectively. That is, 480,000 / 3 = 160,000 yen is further allocated to the three donation source users. In this way, for example, the donation amount of the user whose user ID value is “0001”, “0002”, and “0003” is 165,000 yen, and the donation amount of the user whose user ID value is “0004”, respectively. Is determined to be 5,000 yen.

Thus, also in this processing example, the amount indicated by the donation amount data included in the donation amount management data 50 is set within the range of the amount indicated by the maximum donation amount data associated with the donation source user.

In the present processing example, the provided amount management data generation unit 34 sets the amount indicated by the point application amount data included in the donation amount management data 50 so as to maximize the donation by points for each donation source user. For example, when the amount corresponding to the point indicated by the point data included in the point management data 46 (FIG. 6) of the donation source user does not exceed the amount indicated by the set donation amount data, the provided amount management data generation unit 34 However, the amount corresponding to the point is set as the value of the point application amount data, and the point subtraction unit 30 updates the value of the point data of the donating user to 0. For example, when the amount corresponding to the point indicated by the point data included in the point management data 46 of the donation source user is equal to or greater than the amount indicated by the set donation amount data, the provided amount management data generation unit 34 The amount indicated by the donation amount data is set as the value of the point application amount data, and the point subtraction unit 30 subtracts the point data value by the point corresponding to the amount.

FIG. 11 shows an example of the donation amount management data 50 generated by the process shown in S206 described above.

Then, the order processing execution unit 22 performs an inventory inquiry process for the purchase target for which the order has been confirmed, and makes a donation to the settlement management system 14 based on the donation amount management data 50 generated in the process shown in S206. The settlement management system 14 is requested to perform a settlement process in which the amount of money indicated by the point application amount data is subtracted from the amount indicated by the amount data using the credit card of each donation source user (S207). The process ends.

Thereafter, the payment management system 14 executes a payment process according to the process shown in S207.

As described above, in the money provision management system 10 according to the second embodiment, when donation for a purchase target is solicited by a donation destination user, the money donated according to the solicitation is managed in association with the purchase target. The Further, in the money provision management system 10 according to the present embodiment, the donation source candidate user evaluates the purchase of the purchase target by the donation destination user, and, for example, the majority of the users who have performed the evaluation get approval. Donations will be made only when certain conditions are satisfied, such as being granted. Therefore, the donation source candidate user can influence the purchase behavior by the donation destination user.

In addition, the setting method of the donation amount data and the point application amount data included in the donation amount management data 50 in the process shown in S206 described above is not limited to the above method. For example, the provided amount management data generation unit 34 includes, for example, the sum of the amounts indicated by the donation amount data included in the donation amount management data 50 of each donation source user in the donation recruitment management data 48 received in the process shown in S201. The donation amount data included in the donation amount management data 50 of each donation source user indicates that it matches the amount deducted from the amount indicated by the donation solicitation amount data by a predetermined amount within the range indicated by the maximum self-payment amount data. You may make it set the amount of money. Thus, you may make it make a contribution destination user bear a part of donation collection amount.

In addition, when the donation recipient user solicits donations without omitting the processing shown in S203 to S205, the donation amount management data generation unit 34 automatically makes the donation amounts of the corresponding donation source users. The management data 50 is generated, and the order processing execution unit 22 settles a settlement process in which the amount of money indicated by the donation amount data minus the amount indicated by the point application amount data is settled by the credit card of each donation source user. The management system 14 may be requested. In this case, for example, when the money providing management system 10 receives a request for canceling the settlement process from the donating user after the above-described settlement process is completed, the settlement management system 14 performs the settlement process in response to the cancellation request. You may make it request cancellation of.

In addition, when the determination conditions (conditions for determining the presence / absence of donation) individually set by each candidate user are stored in the data storage unit 20 and the determination conditions are satisfied for each candidate user Donations may be made for the first time.

[Modifications for the first embodiment and the second embodiment]
The present invention is not limited to the second embodiment described above.

For example, the monetary offer solicitation start data providing unit 26 may accept the designation of the donation source candidate user from the donation destination user and provide the donation solicitation start data to the designated donation source candidate user.

Further, the monetary offer solicitation start data providing unit 26 may provide donation solicitation start data to a donation source candidate user who satisfies a predetermined condition. For example, a donation destination user is associated with an attribute (for example, an affiliated organization, an activity field of the organization, etc.), and a donation source candidate user has a condition regarding the attribute of the donation destination user (for example, the organization to which the donation destination user belongs or the organization) The conditions to be satisfied for the activity field of Then, the monetary offer solicitation start data providing unit 26 identifies a donor candidate user who satisfies the conditions associated with the organization to which the user belongs and the activity field of the group, and the specified donor candidate Donor recruitment start data may be provided to the user.

Also, for example, a donation source candidate user may be associated with a condition regarding the type of purchase target. Then, the donation source candidate in which the money offer solicitation start data providing unit 26 satisfies the condition that the type of the product or service to be purchased indicated in the donation solicitation data received by the order processing execution unit 22 satisfies the associated condition. A donor user may be specified, and donation recruitment start data may be provided to the specified donation source candidate user.

Further, for example, when the payment management system 14 is a system of a financial institution that manages account information, in the processing shown in S108 and S207 described above, the order processing execution unit 22 performs payment in which money is withdrawn from each donation source user account. Processing may be requested to the payment management system 14.

[Third Embodiment]
Hereinafter, a third embodiment of the present invention will be described in detail with reference to the drawings.

The computer network according to the third embodiment is represented by FIG. 1 as in the case of the computer network according to the first embodiment and the second embodiment. In this embodiment, the money provision management system 10 is used as a donation system that supports a user's contribution to a political organization such as a political party.

In the third embodiment, for example, a political party publishes on the website as a manifest, distributes a pamphlet describing the manifest, etc. on the street, or addresses the manifest in advance. Is making an allegation. And the public will know the party's claims through websites, pamphlets and speeches. In the third embodiment, a user who makes a political contribution to this political party designates a planned amount to be provided as a political contribution to this political party via the user terminal 12 and makes a contribution to the money provision management system 10. Send data indicating application. And the money provision management system 10 receives this application. Then, the money provision management system 10 according to the third embodiment returns the amount specified in the application to the user who applied for the political contribution and the amount actually paid to the political party based on the evaluation of the political party. The settlement management system 14 is requested to perform settlement processing based on the distributed amount.

Here, functions realized by the money provision management system 10 according to the third embodiment will be described. FIG. 12 is a functional block diagram illustrating an example of functions realized by the money provision management system 10 according to the third embodiment.

As shown in FIG. 12, the money provision management system 10 according to the third embodiment includes a data storage unit 120, a provision amount data reception unit 122, a settlement management unit 124, a provision management data generation unit 126, and provision management data reference. A management unit 128, an evaluation data acquisition unit 130, an evaluation management data generation unit 132, a comprehensive evaluation index determination unit 134, a donation provision rate determination unit 136, and an amount determination unit 138 are configured. The data storage unit 120 is realized mainly by the storage unit of the money provision management system 10. Other elements are realized mainly by the control unit of the money provision management system 10.

In the money provision management system 10 according to the third embodiment, the user account registration process is completed in advance, and the account data 140 shown in FIG. 13 is stored in the data storage unit 120. The account data 140 includes, for example, a user ID that is an identifier of the user, user name data indicating the user name, and personal information of the user (for example, name, address, date of birth, telephone number, occupation, etc.). Contains. Furthermore, the card information (for example, card number, card name, expiration date, security code, etc.) of the credit card used by the user may be included.

Here, an example of the flow of the political donation acceptance process performed in the money provision management system 10 according to the third embodiment will be described with reference to the flowchart shown in FIG.

First, the political party (hereinafter referred to as a donation recipient user) serving as a contribution destination of the political donation from the user terminal 12 of the user (hereinafter referred to as a donation source user) whose planned contribution amount data receiving unit 122 performs the political donation. The planned donation amount data indicating the planned donation amount associated with the data indicating “No” is received (S301). The planned donation amount data is acquired from the user terminal 12 as donation application data together with personal information and card information of the donation source user, for example. In addition, it is good to input the said user's personal information acquired from the data storage part 120 as an initial value in the page which inputs donation application data. Further, when the card information of the user is stored in the data storage unit 120, the credit card may be shown as an option on the information input page, and the card information input may be omitted. Then, the payment management unit 124 collaborates with the payment management system 14 to collate part or all of the personal information and credit card information acquired from the user terminal 12 with information managed by the payment management system 14. The identity confirmation process of the donation source user is executed (S302).

Then, the payment management unit 124 requests the payment management system 14 to perform a payment process in which the money of the planned donation amount is settled with the credit card of the donation source user (S303). Then, the settlement management unit 124 determines whether or not to decline the receipt of the information regarding the donation source user and the political contribution specified on the user terminal 12 of the donation destination user based on the account data 140 of the donation source user. Information to be inquired is notified (S304).

Then, the settlement management unit 124 receives data indicating whether or not to decline the receipt of this political contribution from the user terminal 12 of the contribution destination user (S305). Then, the settlement management unit 124 checks whether or not the donated user declines to accept the political donation (S306). If data indicating whether or not to decline the receipt of political contributions is not received within a predetermined period, it may be determined whether to decline the receipt or to decline the receipt. In the third embodiment, if data indicating whether or not to decline the receipt of political contributions is not received within a predetermined period, it is assumed that the receipt is not declined.

When it is confirmed that the receipt is declined (S306: Y), the settlement management unit 124 requests the settlement management system 14 to cancel the settlement process requested in the process shown in S303 (S307). Then, the payment management unit 124 waits until a payment processing cancellation completion notification is received from the payment management system 14 (S308). In the process shown in S308, when the payment management unit 124 receives a notification of completion of the payment process cancellation, the process shown in this process example ends.

If it is confirmed in the process shown in S306 that the receipt is not declined (S306: N), the settlement management unit 124 waits until a settlement process completion notification is received from the settlement management system 14 (S309). Then, when the payment management unit 124 receives a notification of cancellation of the payment process, the provision management data generation unit 126 generates the planned donation amount management data 142 shown in FIG. 15 (S310), and the process shown in this processing example Exit.

FIG. 15 is a diagram showing an example of the planned donation amount management data 142. As illustrated in FIG. 15, the planned donation amount management data 142 includes a donation source user ID that is a user ID of a donation source user, a donation destination user ID that is a user ID of a donation destination user, and a donation schedule that is accepted in the process shown in S301. Amount data is included.

The donation source user and the donation destination user are associated with each other by the processing shown in the above processing example. In the third embodiment, at the end of the process shown in the above-described process example, the money settled by the credit card of the donation source user is used as a temporary deposit in the account of the management entity of the money provision management system 10. Will be managed.

The provision management data reference management unit 128 generates a provision management data reference screen 144 shown in FIG. 16 based on the planned donation amount management data 142 in response to a request from the user terminal 12 of the donation destination user. The provision management data reference screen 144 displays the user name of the donor user associated with the donation destination user in the planned donation amount management data 142 (that is, for the donation destination user who requested the output of the provision management data reference screen 144) The user name of the user registered as a donation source user who makes a political donation) and the planned donation amount by the user are shown. And the provision management data reference management part 128 transmits the data which show the provision management data reference screen 144 shown in FIG. 16 to the user terminal 12 of a donor user. The user terminal 12 of the donated user accepts this data and displays the provision management data reference screen 144 on the display. A link is set in the user name portion of each donation source user, and the donation destination user can refer to the information of each donation source user on the link destination screen. As described above, in the money provision management system 10 according to the third embodiment, the donation destination user can grasp from whom and how much donation is planned for him / her. As a result, it is possible to expect an effect of promoting activities for realizing a commitment by a donated user (a political organization such as a political party in the third embodiment).

Next, an example of the flow of donation distribution processing performed in the money provision management system 10 according to the third embodiment will be described with reference to the flowchart shown in FIG.

First, the evaluation data acquisition unit 130 acquires evaluation data indicating an evaluation for a donated user during a predetermined evaluation period. When the evaluation data acquisition unit 130 acquires the evaluation data, the evaluation management data generation unit 132 sequentially outputs the evaluation management data 146 shown in FIG. 18 based on the evaluation data acquired by the evaluation data acquisition unit 130. Generate (S401).

In this processing example, the evaluation data acquisition unit 130 determines, for example, the achievement level of the commitment of the donor user via the evaluation registration screen (not shown) from the user terminal 12 of the evaluation user who evaluates the donor user. Data indicating an evaluation score represented by any integer from 0 to 10 is received. At this time, for example, the evaluation data acquisition unit 130 receives data indicating the evaluation value by the evaluation user for each item of the manifest listed by the donated user, and represents the representative value of the evaluation value (for example, the average value of the evaluation values). It is good also as a score of a donation destination user by an evaluation user.

As illustrated in FIG. 18, the evaluation management data 146 includes an evaluation user ID that is a user ID of an evaluation user, an evaluation target user ID that is a user ID of an evaluation target user (evaluation target user), and an evaluation target user by the evaluation user. Evaluation score data indicating the evaluation score for. In the third embodiment, the evaluation target user ID included in the evaluation management data 146 illustrated in FIG. 18 matches the donation destination user ID included in the planned donation amount management data 142 illustrated in FIG. That is, in the third embodiment, the evaluation target user is also a donated user.

In the evaluation management data 146 shown in FIG. 18, the donation destination users (users) of the four evaluation users who are also the donation source users (each user ID is “0001”, “0002”, “0003”, and “0004”). The evaluation score for ID is “0101”). In addition, in the evaluation management data 146 shown in FIG. 18, donation destination users (user IDs are user IDs “0051” and “0052”), which are neither the contribution source user nor the contribution destination user. The score for “0101”) is also shown. As described above, in the money provision management system 10 according to the third embodiment, the donation destination user is evaluated also by users other than the donation source user.

When the predetermined evaluation period elapses, the comprehensive evaluation index determination unit 134 determines a comprehensive evaluation index representing the comprehensive evaluation of the donated user based on the evaluation management data 146 generated in the process shown in S401 (S402). ). In this processing example, for example, the comprehensive evaluation index determination unit 134 has a combination of the evaluation user ID and the evaluation target user ID that matches the combination of the donation source user ID and the donation destination user ID in the planned donation amount management data 142. The evaluation score shown in the evaluation management data 146 is weighted twice, and a weighted average value of the evaluation scores indicated by each evaluation score data is calculated. Then, the comprehensive evaluation index determination unit 134 determines the calculated weighted average value as the comprehensive evaluation index. Therefore, in this processing example, the comprehensive evaluation index is represented by a real number of 0 or more and 10 or less, for example.

And the donation provision rate determination part 136 determines the donation provision rate which shows the ratio of the amount contributed to the donation destination user with respect to a donation planned amount based on the comprehensive evaluation parameter | index determined by the process shown to S402 (S403). . In this processing example, the donation provision rate determination unit 136 determines a value obtained by dividing the value of the comprehensive evaluation index by 10 as the donation provision rate.

Then, based on the donation provision rate determined in the process shown in S403, the amount determining unit 138 makes an amount of donation to each donation source user and the amount to be returned to the donation source user. And donation amount data indicating the amount to be donated to the donation destination user and return amount data indicating the amount to be returned to the donation source user are generated (S404). In this processing example, for example, donation amount data indicating an amount obtained by multiplying each donation source user's donation plan amount by the donation provision rate determined in the process shown in S403, and donation plan amount data Return amount data indicating the amount obtained by subtracting the amount indicated by the donation amount data from the amount indicated by

Then, the payment management unit 124 transmits detailed data including the amount indicated by the donation amount data generated in the process shown in S404 to the user terminal 12 of the donation destination data, and the return amount generated in the process shown in S404. The detailed data including the amount indicated by the data is transmitted to the user terminal 12 of the donation source data (S405). Then, the payment management unit 124 makes a donation payment request to the donation destination user for the amount indicated by the donation amount data generated in the process shown in S404, and a donation of the amount indicated by the return amount data generated in the process shown in S404. A request for return to the former user is transmitted to the payment management system 14 (S406), and the processing shown in this processing example is terminated.

After that, the settlement management system 14 provides a donation destination for the amount of money indicated by the donation amount data of the temporary deposit to the system (not shown) for managing the account information in which the temporary deposit is accumulated. A request is made for a transfer process to the user's account, and a request is made for a transfer process (refund process) to the account of the donation source user for the money indicated by the refund amount data of the temporary deposit.

As described above, in the money provision management system 10 according to the third embodiment, how much of the amount planned to be contributed by the donation source user varies depending on the evaluation by the evaluation user. It will be. As a result, it is expected that donated users such as politicians will promote activities that meet the user's expectations. As a result, it can be expected that the satisfaction of the user who makes the donation will be improved. Moreover, in the money provision management system 10 which concerns on 3rd Embodiment, since the evaluation with respect to a contribution destination user by evaluation users other than a contribution origin user will be reflected in the amount of contribution, a contribution origin user itself with respect to a contribution destination user It can also be expected that the objectivity of the donation-destination user's evaluation will be higher than when the donation amount is determined only by evaluation.

[Modification of Third Embodiment]
Note that the present invention is not limited to the third embodiment.

For example, the comprehensive evaluation index determination unit 134 may determine a different comprehensive evaluation index for each donation source user. For example, the comprehensive evaluation index determination unit 134 displays the representative value of the evaluation score (for example, the average value of the evaluation scores) indicated by the evaluation score data associated with a user other than the user whose user ID value is “0001”. The calculated representative value may be determined as the comprehensive evaluation index of the donation source user whose user ID value is “0001”. Thus, you may make it the comprehensive evaluation parameter | index determination part 134 determine a different comprehensive evaluation parameter | index for every donation origin user.

Further, the comprehensive evaluation index determining unit 134 may determine, as the comprehensive evaluation index, the representative value of the evaluation score indicated by the evaluation management data 146 other than the evaluation management data 146 having the same value of the evaluation user ID and the evaluation target user ID. Good.

In addition, the comprehensive evaluation index determination unit 134 selects a user (a user who is scheduled to contribute to the evaluation target user) in which the planned contribution amount management data 142 for the evaluation target user is registered based on the planned contribution amount management data 142. Specifically, the evaluation score by the user may be excluded from the basis for calculating the comprehensive evaluation index. Then, the comprehensive evaluation index determination unit 134 may determine the comprehensive evaluation index based on the evaluation score by the user who is not scheduled to contribute to the evaluation target user.

Further, the comprehensive evaluation index determination unit 134 may weight the evaluation user based on the planned donation amount data included in the planned donation amount management data 142. For example, the comprehensive evaluation index determination unit 134 sets the weight of the evaluation score of the evaluation user who is not scheduled to contribute to the evaluation target user to 1 and the weight of the evaluation score of the evaluation user planned to contribute to the evaluation target user ( The weighted average value of the evaluation points may be determined as a comprehensive evaluation index. At this time, for example, when the comprehensive evaluation index determination unit 134 calculates the comprehensive evaluation index of the evaluation user whose user ID value is “0001”, the evaluation score of the evaluation user whose user ID value is “0001” May be set to 0 (that is, the evaluation score of the evaluation user whose user ID value is “0001” is not used as the basis for calculating the comprehensive evaluation index).

Further, the evaluation data acquisition unit 130 acquires data indicating the evaluation of the manifest by the mass media, and the evaluation management data generation unit 132 evaluates the management data corresponding to the evaluation of the donated user by the mass media based on this data. 146 may be generated. Then, the comprehensive evaluation index determination unit 134 may determine the comprehensive evaluation index based on the evaluation management data 146 corresponding to the evaluation by the mass media and the evaluation management data 146 corresponding to the evaluation by the evaluation user. Good.

Further, the money providing management system 10 generates an evaluation ranking screen (not shown) that lists a predetermined number of donated users in descending order of the comprehensive evaluation index, and shows the evaluation ranking screen on the user terminal 12 May be transmitted. Then, the user terminal 12 may display the evaluation ranking screen on the display.

[Other variations]
In addition, this invention is not limited to the content demonstrated above.

For example, in the money provision management system 10 according to the first embodiment and the money provision management system 10 according to the second embodiment, processes similar to the processes shown in S401 to S404 in the third embodiment are executed. The amount to be provided to the provision destination user may be determined based on an evaluation by a user different from the donation source user. Specifically, the money provision management system 10 may acquire evaluation data indicating evaluation of the donation destination user by the evaluation user. The money provision management system 10 includes an evaluation user ID that is a user ID of the evaluation user, a donation destination user ID that is a user ID of the donation destination user, and evaluation score data that indicates an evaluation score for the donation destination user by the evaluation user. The evaluation management data 146 may be generated. Then, the money provision management system 10 may determine a comprehensive evaluation index representing the comprehensive evaluation of the donation destination user, similar to the third embodiment, based on the evaluation management data 146. Examples of the comprehensive evaluation index include a weighted average value of evaluation scores obtained by weighting evaluation scores according to user attributes, whether or not the user is a donation source, a donation application amount, and the like. Then, the money provision management system 10 determines a donation rate indicating the ratio of the amount donated to the donation destination user with respect to the amount indicated by the donation amount data included in the donation amount management data 50 based on the comprehensive evaluation index. It may be. Then, the money provision management system 10 distributes the amount indicated by the donation amount data for each donation source user into the amount donated to the donation destination user and the amount returned to the donation source user based on the donation rate. Then, the payment for the purchase object corresponding to the distribution may be performed (for example, the inventory inquiry process for the purchase object or the payment process using a credit card is performed). At this time, the amount of money determined as the amount to be returned to the donor user is returned to the donor user.

In addition, when there are a plurality of donation source users, the above-mentioned comprehensive evaluation index and donation rate may be determined for each donation source user. Here, in calculating the comprehensive evaluation index and the donation rate associated with the donation source user, the money provision management system 10 is, for example, a user different from the donation source user (for example, a donation source different from the donation source user). A comprehensive evaluation index and a donation rate may be calculated based on evaluation data on a user and a user who is neither a donation source user nor a donation destination user.

Further, when calculating the comprehensive evaluation index and the donation rate associated with the donation source user, for example, the comprehensive evaluation index and the donation rate may be calculated based on the evaluation by a plurality of users. The plurality of users may include the donation source user itself.

In addition, for example, the money provision management system 10 according to the first embodiment and the money provision management system 10 according to the second embodiment generate aggregated data (for example, based on evaluation data for evaluating purchases to be purchased) (for example, A representative value (e.g., aggregate data indicating an average value) of the evaluation values may be provided to the donation source candidate user. In addition, the money provision management system 10 according to the first embodiment and the money provision management system 10 according to the second embodiment may accept the donation source candidate in response to accepting a donation application from a donation source candidate user. The user is recognized as a donation source user, the user ID of the donation source user, the user ID of the donation destination user, the purchase target ID purchased by the donation destination user, and donated to the donation destination user by the donation source user Donation amount management data 50 including donation amount data indicating the amount of money to be scheduled may be generated.

At this time, the donation amount data associated with the purchase target in the donation amount management data 50 by the order confirmation determination unit 32 in the money provision management system 10 according to the first embodiment or the money provision management system 10 according to the second embodiment. When the total amount of money reaches the purchase price of the purchase target, it is determined that the purchase target is to be settled (for example, inventory inquiry processing or credit card settlement processing is performed for the purchase target). You may do it. Alternatively, the order confirmation determination unit 32 in the money provision management system 10 according to the first embodiment or the money provision management system 10 according to the second embodiment has the donation amount data associated with the purchase target in the donation amount management data 50. Even if the total amount shown does not reach the purchase amount of the purchase target, if the total shortage amount for the purchase amount is less than or equal to the maximum self-pay amount set for the donating user, purchase You may make it confirm performing the payment about an object. In this case, a part of the purchase price to be purchased is borne by the donation destination user.

Further, for example, the payment management system 14 may be connected to the first computer network 16-1 such as the Internet. And the money provision management system 10, the user terminal 12, and the payment management system 14 may be able to communicate with each other. At this time, the money providing management system 10 and the payment management system 14 may be capable of encrypted communication via a VPN (Virtual Private Network). Further, the division of roles of the money provision management system 10, the user terminal 12, and the payment management system 14 is not limited to the above-described embodiment.

In addition, the specific numerical values and character strings described above and the specific numerical values and character strings in the drawings are examples, and are not limited to these numerical values and character strings.

Claims

A monetary offer solicitation data obtaining means for obtaining monetary offer solicitation data indicating that a monetary offer for a purchase target has been solicited by a provision destination user as a monetary offer destination;
For each candidate user, refer to a user information storage unit that stores user information of a candidate user who is a candidate for a user who provides money after the money offer solicitation data is acquired by the money offer solicitation data acquisition unit. A user specifying means for specifying a candidate user who satisfies a preset money provision condition;
Provided to the purchase target by the user in association with user information of the providing user who is one of the candidate users specified by the user specifying means and data indicating the purchase target. Provided amount data generating means for generating provided amount data indicating the amount of money to be scheduled,
A money provision management system characterized by including:
Evaluation data acquisition means for acquiring evaluation data indicating evaluation for the provision destination user by a user different from the provision source user;
An amount determining means for determining an amount to be provided to the provision destination user among the amounts indicated by the provided amount data based on the evaluation indicated by the evaluation data;
The money provision management system according to claim 1.
The evaluation data acquisition means acquires evaluation data indicating an evaluation for the provision destination user by a plurality of users including a user different from the provision source user,
The amount determination means determines an amount to be provided to the provision destination user based on an evaluation of the provision destination user by the plurality of users,
Each of the plurality of users is a provider user different from the provider user when there are a plurality of provider users, a user who is neither the provider user nor the provider user, or the provider user One of the
The money provision management system according to claim 2 characterized by things.
Based on at least one of a user attribute, whether or not the provider user is provided, and an amount indicated by the provided amount data corresponding to the provider user, an evaluation on the provider user by each of a plurality of users is performed. A comprehensive evaluation index determination unit that weights and determines a comprehensive evaluation index that represents the comprehensive evaluation of the provision destination user;
The amount determining means determines an amount to be provided to the providing user based on a comprehensive evaluation represented by the comprehensive evaluation index;
The money provision management system according to claim 3.
The amount determining means determines an amount obtained by subtracting the amount provided to the providing destination user determined by the amount determining means from the amount indicated by the provided amount data as an amount to be returned to the providing source user.
The money provision management system according to any one of claims 2 to 4, wherein
Evaluation data receiving means for receiving evaluation data for evaluating whether or not to purchase the purchase target from each candidate user,
The provided amount data generating means generates the provided amount data when an evaluation result based on the evaluation data satisfies a predetermined condition;
The money provision management system according to claim 1.
The user information storage means stores a determination condition for determining whether or not money is provided and the user information in association with each other,
The provided amount data generating means generates the provided amount data when the evaluation result based on the evaluation data satisfies the determination condition for each candidate user.
The money provision management system according to claim 6 characterized by things.
In response to the acquisition of the monetary offer solicitation data, monetary offer solicitation start data providing means for providing monetary offer solicitation start data indicating that the candidate user has started recruitment of monetary provision;
An evaluation data receiving means for receiving evaluation data indicating an evaluation about the purchase destination user purchasing the purchase target;
Aggregate data providing means for providing the candidate user with aggregate data generated based on at least one of the evaluation data;
Money provision application data receiving means for receiving money provision application data indicating that the provision of money for the purchase target is applied from a provider user who is one of the candidate users; and
The provided amount data generation means indicates the user information of the providing source user and the purchase target in response to reception of money provision application data indicating that the offer of money for the purchase target from the providing source user is applied. Generating the provided amount data associated with the data;
The money provision management system according to claim 1.
Order confirmation determination means for determining whether or not to confirm the order to be purchased by the provision destination user;
The money provision application data reception means receives the money provision application data associated with the amount of money provided to the purchase target;
The order confirmation determination means determines that the total shortage amount with respect to the purchase amount is provided when the total amount indicated by the provided amount data associated with the purchase target does not reach the purchase amount of the purchase target. If it is less than or equal to the maximum self-payment amount set for the previous user, it is determined to confirm the order to be purchased;
The money provision management system according to claim 8.
The money provision condition is a condition regarding at least one of the provision destination user, the provision destination user attribute, and the purchase target set by a candidate user associated with the money provision condition.
The money provision management system according to claim 1.
A monetary offer solicitation data acquisition step for obtaining monetary offer solicitation data indicating that a monetary offer for a purchase target has been solicited by a provision destination user who is to provide money;
For each candidate user, refer to a user information storage unit that stores user information of a candidate user who is a candidate for a user who provides money after the money offer solicitation data is acquired by the money offer solicitation data acquisition step. A user specifying step for specifying a candidate user who satisfies a preset financial provision condition;
The user is provided to the purchase target by the user in association with the user information of the providing user who is one of the candidate users specified by the user specifying step and the data indicating the purchase target. A provision amount data generation step for generating provision amount data indicating the amount of money to be scheduled,
A method for controlling a money provision management system, comprising:
A monetary offer solicitation data acquisition means for acquiring monetary offer solicitation data indicating that a monetary offer for a purchase target has been solicited by a providing user who is to provide money;
For each candidate user, refer to a user information storage unit that stores user information of a candidate user who is a candidate for a user who provides money after the money offer solicitation data is acquired by the money offer solicitation data acquisition unit. A user specifying means for specifying a candidate user who satisfies a preset money provision condition;
Provided to the purchase target by the user in association with user information of the providing user who is one of the candidate users specified by the user specifying means and data indicating the purchase target. Provided amount data generating means for generating provided amount data indicating the amount of money to be scheduled,
A recording medium having recorded thereon a program that causes a computer to function.
A monetary offer solicitation data acquisition means for acquiring monetary offer solicitation data indicating that a monetary offer for a purchase target has been solicited by a providing user who is to provide money;
For each candidate user, refer to a user information storage unit that stores user information of a candidate user who is a candidate for a user who provides money after the money offer solicitation data is acquired by the money offer solicitation data acquisition unit. A user specifying means for specifying a candidate user who satisfies a preset money provision condition;
Provided to the purchase target by the user in association with user information of the providing user who is one of the candidate users specified by the user specifying means and data indicating the purchase target. Provided amount data generating means for generating provided amount data indicating the amount of money to be scheduled,
A program characterized by causing a computer to function.