WO2021060213A1 - Procédé de gestion de transaction et système de gestion de transaction - Google Patents

Procédé de gestion de transaction et système de gestion de transaction Download PDF

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Publication number
WO2021060213A1
WO2021060213A1 PCT/JP2020/035597 JP2020035597W WO2021060213A1 WO 2021060213 A1 WO2021060213 A1 WO 2021060213A1 JP 2020035597 W JP2020035597 W JP 2020035597W WO 2021060213 A1 WO2021060213 A1 WO 2021060213A1
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WIPO (PCT)
Prior art keywords
digital currency
borrower
amount
information
transaction management
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PCT/JP2020/035597
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English (en)
Japanese (ja)
Inventor
正之 浅田
Original Assignee
株式会社Ｓｉｇｎａｌ
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Filing date
Publication date
Application filed by 株式会社Ｓｉｇｎａｌ filed Critical 株式会社Ｓｉｇｎａｌ
Priority to JP2020568003A priority Critical patent/JP6839886B1/ja
Publication of WO2021060213A1 publication Critical patent/WO2021060213A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems

Definitions

  • This disclosure relates to transaction management methods and transaction management systems.
  • Patent Document 1 discloses a remittance processing method using an application on a mobile terminal.
  • one of the purposes of the present disclosure is to provide a transaction management method capable of performing a plurality of loan and repayment processes quickly and easily. Further, one of the purposes of the present disclosure is to collectively manage transactions on a plurality of electronic money payment servers. In addition, one of the purposes of the present disclosure is to easily set the creditworthiness of the borrower according to the repayment record. In addition, one of the purposes of the present disclosure is to provide a highly convenient and secure transaction management method.
  • the loan amount from the lender's digital currency account to the borrower's digital currency account on the first digital currency settlement server and the borrower's digital currency on the first digital currency settlement server Remittance of the amount obtained by subtracting the amount corresponding to the difference between the loan amount and the deposit amount from the deposit amount based on the relationship between the account and the deposit amount of the lender to the digital currency account for a predetermined date or period.
  • a transaction management method is provided that directs processing.
  • the deposit amount when the deposit amount does not satisfy a predetermined condition with respect to the loan amount, the amount obtained by subtracting the amount corresponding to the difference between the loan amount and the deposit amount from the deposit amount. You may instruct the remittance process.
  • the reminder information is notified to the borrower's terminal, and the website or the borrower's terminal is used.
  • the reminder information may be displayed when the application is launched.
  • the predetermined condition may be that the deposit amount is equal to or more than the loan amount.
  • the transfer process from the lender's digital currency account to the borrower's digital currency account on the first digital currency settlement server is performed n times (n is 3 or more), and the first digital currency settlement is performed.
  • n is 3 or more
  • the borrower's information may be registered in the monitoring list.
  • the borrower's digital currency account on the first digital currency settlement server when the borrower's digital currency account on the first digital currency settlement server has not made a deposit to the lender's digital currency account, the borrower's digital currency account can be used to transfer the borrower's digital currency account. You may disable the new transfer process to your digital currency account.
  • the first digital currency settlement server is instructed to transfer the loan amount from the lender's digital currency account to the borrower's digital currency account, and the loan amount and the first digital currency are described.
  • a transaction management method is provided that directs a new remittance process for the deducted amount.
  • the transfer process from the lender's digital currency account to the borrower's digital currency account in the first digital currency settlement server is performed n times (n is 2 or more), and the first digital currency is described.
  • n is 2 or more
  • the first digital currency is described.
  • any of the borrower's digital currency accounts after the n + 1 times A transaction management method is provided that sends information instructing the borrower's information to be additionally entered prior to processing the remittance to.
  • the transfer process from the lender's digital currency account to the borrower's digital currency account in the first digital currency settlement server is performed n times (n is 2 or more), and the first digital currency is described. Transfers from the borrower's digital currency account to the lender's digital currency account on the payment server to the borrower's digital currency account from the n + 1th time onward according to the predetermined number of deposits out of the n times.
  • a transaction management method is provided that sets the remittance amount in processing.
  • the first instruction information instructing the borrower terminal to transmit the information of the approver is transmitted based on the information of the borrower, and the transmitted information of the approver is used.
  • the second instruction information instructing the approver terminal to send the consent approval / disapproval information is transmitted, and based on the consent information transmitted from the approver terminal, the lender's digital currency account on the digital currency settlement server.
  • the loan amount from the lender's digital currency account to the borrower's digital currency account on the first digital currency settlement server and the borrower's digital currency on the first digital currency settlement server Remittance of the amount obtained by subtracting the amount corresponding to the difference between the loan amount and the deposit amount from the deposit amount based on the relationship between the account and the deposit amount of the lender to the digital currency account for a predetermined date or period.
  • a transaction management system is provided that includes a remittance processing instruction unit that instructs processing.
  • the remittance processing instruction unit instructs remittance processing of an amount obtained by subtracting a predetermined fixed amount from the amount obtained by subtracting the amount corresponding to the difference between the loan amount and the deposit amount from the deposit amount. You may.
  • a determination unit for determining whether or not the deposit amount satisfies a predetermined condition with respect to the loan amount is included, and when the predetermined condition is not satisfied, the remittance processing instruction unit is in front of the loan amount. You may instruct the remittance processing of the amount obtained by subtracting the amount corresponding to the difference between the loan amount and the deposit amount from the entered amount.
  • the deposit amount when the deposit amount does not meet the predetermined conditions, the deposit amount includes a notification unit for notifying the borrower's terminal of reminder information with respect to the loan amount, and is provided on the borrower's terminal.
  • the reminder information may be displayed when the website or application is launched in.
  • the predetermined condition may be that the deposit amount is equal to or more than the loan amount.
  • the transfer process from the lender's digital currency account to the borrower's digital currency account on the first digital currency settlement server is performed n times (n is 3 or more), and the first digital currency settlement is performed.
  • the determination unit registers the borrower's information in the monitoring list. You may.
  • the remittance processing instruction unit uses the lender's digital currency.
  • the new transfer process from the currency account to the borrower's digital currency account may be disabled.
  • the transfer process from the lender's digital currency account to the borrower's digital currency account on the first digital currency settlement server is performed n times (n is 2 or more), and the first digital currency settlement is performed.
  • n is 2 or more
  • any of the borrower's digitals after the n + 1th deposit It may include a transmitter that sends information instructing the borrower's information to be additionally entered before processing the transfer to the currency account.
  • the transfer process from the lender's digital currency account to the borrower's digital currency account on the first digital currency settlement server is performed n times (n is 2 or more), and the first digital currency settlement server In any of the borrower's digital currencies from the n + 1st time onward, depending on the predetermined number of deposits out of the n deposits from the borrower's digital currency account to the lender's digital currency account. It may include a setting unit that sets the transfer amount in the transfer process to the account.
  • the first digital currency settlement server includes a remittance processing instruction unit that instructs the remittance processing of the loan amount from the lender's digital currency account to the borrower's digital currency account, and the remittance processing instruction.
  • the unit includes the loan amount, the deposit amount from the borrower's digital currency account to the lender's digital currency account on the first digital currency settlement server for a predetermined date or period, and the first digital currency settlement server. From the total amount based on the relationship with the total amount of the second deposit amount for a predetermined date or period from the borrower's digital currency account to the lender's digital currency account on a different second digital currency settlement server.
  • a transaction management system is provided that instructs a new remittance process of the amount obtained by subtracting the amount corresponding to the difference between the loan amount and the total amount.
  • the transmission unit for transmitting the first instruction information instructing the borrower terminal to transmit the information of the approver based on the information of the borrower before instructing the remittance processing is included. Based on the transmitted information of the approver, the transmitting unit transmits the second instruction information instructing the approver terminal to transmit the approval / disapproval information, and the transmitting unit transmits the second instruction information from the approver terminal. Based on the transmitted consent information, the third instruction information instructing the transfer processing from the lender's digital currency account to the borrower's digital currency account in the first digital currency settlement server may be transmitted.
  • a remittance processing method capable of performing a plurality of times of lending, borrowing and repayment processing quickly and easily. Further, by using one embodiment of the present disclosure, it is possible to collectively manage transactions on a plurality of electronic money payment servers. Further, by using one embodiment of the present disclosure, the creditworthiness of the borrower can be easily set according to the repayment record. Further, by using one embodiment of the present disclosure, it is possible to provide a highly convenient and safe transaction management method.
  • FIG. 1 shows the hardware configuration of the transaction management system 1.
  • the transaction management system 1 includes a transaction management server 10, an electronic money settlement server 20, a borrower terminal 30, and a lender terminal 40.
  • the transaction management server 10 functions as a database and application server for transaction management.
  • the electronic money payment server 20 functions as a database and application server for electronic money payment.
  • a plurality of electronic money payment servers 20 may be provided. In this embodiment, for convenience of explanation, one electronic money payment server 20 is used, but in other embodiments, a plurality of electronic money payment servers are used.
  • the borrower terminal 30 is a terminal of a user who wishes to borrow money.
  • the lender terminal 40 is a terminal for lending money.
  • the "electronic money" in the present embodiment means an electronic payment means (so-called prepaid method) that charges before being used. Through the exchange of electronic data, the user can purchase goods or enjoy services in the same way as cash (money or banknotes).
  • the borrower terminal 30 transmits the loan application information by electronic money to the transaction management server 10 via the network 50.
  • the lender terminal 40 inputs the loan examination information based on the information transmitted from the transaction management server 10, and transmits the result to the transaction management server 10.
  • the transaction management server 10 transmits the examination result to the borrower terminal 30 and generates the loan information based on the loan examination information received from the lender terminal 40, and performs the transaction management control process described later.
  • the transaction management server 10 has a communication unit 11, a storage unit 12, a control unit 13, and a display unit 14.
  • the communication unit 11 has a transmitter / receiver and communicates transaction information related to remittance with the electronic money settlement server 20, the borrower terminal 30, and the lender terminal 40 via the network 50. Communication between the communication unit 11 and the electronic money payment server 20, the borrower terminal 30, and the lender terminal 40 is performed via the Internet (specifically, SSL / HTTPS or VPN).
  • the storage unit 12 uses a magnetic recording medium (magnetic tape, magnetic disk, etc.), an optical recording medium, an optical magnetic recording medium, and a storable element such as a storage medium. Be done.
  • the storage unit 12 has a function as a database for storing loan information used in the transaction management control program.
  • the storage unit 12 may be appropriately provided on a server different from the transaction management server 10 and function as a database.
  • the control unit 13 is one of the computers, and uses a CPU (Central Processing Unit), an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array), or other arithmetic processing circuits to be managed, which will be described later. Controls processing based on the instructions specified in the software (program) of. In addition, a user interface for executing the transaction management control program may be provided to the display unit 14 by an instruction from the control unit 13.
  • a user interface for executing the transaction management control program may be provided to the display unit 14 by an instruction from the control unit 13.
  • the electronic money payment server 20 has a communication unit 21, a storage unit 22, and a control unit 23.
  • the communication unit 21 has a transmitter / receiver and performs information communication with the transaction management server 10, the borrower terminal 30, and the lender terminal 40 via the network 50. Communication between the communication unit 21 and the transaction management server 10, the borrower terminal 30, and the lender terminal 40 is performed using the Internet (specifically, SSL / HTTPS or VPN).
  • the storage unit 22 stores remittance-related information used in the remittance processing program in the electronic money settlement server 20.
  • the control unit 23 is one of the computers, and is an instruction specified by a remittance processing program in which at least a part is controlled by the transaction management server 10 described later by using a CPU, an ASIC, an FPGA, or another arithmetic processing circuit. Control the remittance process based on.
  • the borrower terminal 30 has a display unit 31, a control unit 32, a storage unit 33, an operation unit 34, and a communication unit 35.
  • the borrower terminal 30 may be a smartphone, a mobile phone (feature phone), a tablet terminal, a notebook PC, a desktop PC, an IoT device (a device having a power supply mechanism, a communication function and an information storage mechanism), or the like, through a network. It is applicable as long as it can communicate with the transaction management server 10.
  • the display unit 31 is a display device such as a liquid crystal display or an organic EL display, and the display content is controlled by a signal input from the control unit 32.
  • the control unit 32 is one of the computers and includes a CPU, an ASIC, an FPGA, or another arithmetic processing circuit.
  • the control unit 32 executes a program stored in a storage unit 33 such as a memory based on the operations of the display unit 31 and the operation unit 34, and causes the transaction management control processing program stored in the storage unit 12 of the transaction management server 10 to execute the program. Instructs the execution of related processing.
  • the operation unit 34 includes a controller, a button, or a switch.
  • the operation unit 34 moves, presses, or rotates up, down, left, and right, and information based on the operation is transmitted to the control unit 32. If the display device (touch panel) has a touch sensor, the display unit 31 and the operation unit 34 may be arranged at the same location.
  • the communication unit 35 has a function of transmitting and receiving to and from the transaction management server 10 or the electronic money payment server 20.
  • a LAN (Local Area Network) transmitter / receiver for example, a Wi-Fi (registered trademark) transmitter / receiver
  • the transmitter / receiver is not limited to the LAN transmitter / receiver, and a transmitter / receiver for mobile terminal communication (for example, LTE communication) may be provided, or a transmitter / receiver for short-range wireless communication may be provided.
  • the borrower terminal 30 is connected to the transaction management server 10 or the electronic money payment server 20 via the network 50.
  • the lender terminal 40 has a display unit 41, a control unit 42, a storage unit 43, an operation unit 44, and a communication unit 45.
  • the lender terminal 40 may be a smartphone, a mobile phone (feature phone), a tablet terminal, a notebook PC, a desktop PC, an IoT device (a device having a power supply mechanism, a communication function and an information storage mechanism), and the like, through a network. It is applicable as long as it can communicate with the transaction management server 10 and the electronic money payment server 20.
  • the display unit 41 is a display device such as a liquid crystal display or an organic EL display, and the display content is controlled by a signal input from the control unit 42.
  • the control unit 42 is one of the computers, and includes a CPU, an ASIC, an FPGA, or another arithmetic processing circuit.
  • the control unit 42 executes a program stored in a storage unit 43 such as a memory based on the operations of the display unit 41 and the operation unit 44, and causes the transaction management control processing program stored in the storage unit 12 of the transaction management server 10 to execute the program. Instructs the execution of processing based on the instructions specified in the related program.
  • the operation unit 44 includes a controller, a button, or a switch.
  • the operation unit 44 moves, presses, or rotates up, down, left, and right, and information based on the operation is transmitted to the control unit 42. If the display device (touch panel) has a touch sensor, the display unit 41 and the operation unit 44 may be arranged at the same location.
  • the communication unit 45 has a function of transmitting and receiving to and from the transaction management server 10 or the electronic money payment server 20.
  • a LAN transmitter / receiver is used for the communication unit 45.
  • the transmitter / receiver is not limited to the LAN transmitter / receiver, and a transmitter / receiver for communication for a mobile terminal may be provided, or a transmitter / receiver for short-range wireless communication may be provided.
  • the lender terminal 40 is connected to the transaction management server 10 or the electronic money payment server 20 via the network 50.
  • FIG. 2 shows a functional block diagram composed of each component of the transaction management system 1.
  • the transaction management server 10 has a transaction management control unit 100 that controls a program (transaction management program) that realizes a transaction management function.
  • the transaction management control unit 100 includes an acquisition unit 110, a generation unit 120, a cooperation instruction unit 130, a remittance processing instruction unit 140, a determination unit 150, and a transmission unit 160.
  • the acquisition unit 110 has a function of acquiring various information from the electronic money settlement server 20, the borrower terminal 30, and the lender terminal 40 and storing them in the database provided in the storage unit 12.
  • 3 to 9 are examples of data structures stored in the storage unit 12.
  • FIG. 3 is an example of the data structure of the customer information 121 stored in the borrower information database 22a in the storage unit 12.
  • the customer information 121 is information input by the borrower terminal 30.
  • the customer information 121 includes a member ID 121a, a password 121b, a name 121c, a date of birth 121d, a telephone number 121e, an address 121f, and an identity verification document 121g.
  • the place of employment of the borrower and the name of the guardian (including the relationship) when the borrower is a minor may be described.
  • FIG. 4 is an example of the data structure of the examination information 122 stored in the transaction-related information database 12b in the storage unit 12.
  • the examination information 122 is information input by the lender terminal 40.
  • the examination information 122 includes the member ID 122a, the examination status 122b, and the examination history 122c.
  • FIG. 5 is an example of the data structure of the contract information 123 stored in the transaction-related information database 12b in the storage unit 12.
  • the contract information 123 is information generated by the generation unit 120.
  • the contract information 123 includes the member ID 123a, the electronic money service ID (remittance destination) 123b, the limit amount 123c, the calculation date 123d, and the monthly fee settlement information 123e.
  • This example contains information about a contract to borrow a fixed amount of electronic money every month by paying the lender a small fixed amount each month.
  • FIG. 6 is an example of the data structure of the lender wallet information 124 stored in the transaction-related information database 12b in the storage unit 12.
  • the lender wallet information 124 is information input by the lender terminal 40.
  • the lender wallet information 124 includes wallet type 124a, transaction type 124b, transaction amount 124c, and transaction date 124d.
  • the wallet type indicates the type of electronic money used in the electronic money payment server 20. In this example, "zzz pay" is used.
  • FIG. 7 is an example of the data structure of the monthly charge settlement information 125 stored in the transaction-related information database 12b in the storage unit 12.
  • the borrower is required to pay a monthly fee to the lender in order to make repeated loans and repayments.
  • the monthly fee settlement information 125 includes the member ID 125a, the settlement amount 125b, the settlement method 125c, and the settlement date 125d.
  • Credit card payment is used as the payment method 125c for the monthly fee. Note that the payment is not limited to credit card payment, and carrier payment may be used.
  • Carrier payment means that payment processing is performed together with payment of the monthly fee of the communication terminal.
  • FIG. 8 is an example of the data structure of the loan (electronic money remittance) information 126 stored in the transaction-related information database 12b in the storage unit 12.
  • the loan (electronic money remittance) information 126 is information generated by the generation unit 120.
  • the loan (electronic money remittance) information 126 includes the member ID 126a, the loan amount 126b, and the loan date 126c.
  • FIG. 9 is an example of the data structure of the repayment (electronic money deposit) information 127 stored in the transaction-related information database 12b in the storage unit 12.
  • the repayment (electronic money deposit) information 127 is information transmitted from the electronic money settlement server 20.
  • the repayment (electronic money deposit) information 127 includes the member ID 127a, the repayment amount 127b, and the repayment date 127c.
  • the generation unit 120 has a function of generating loan information between the borrower (also referred to as the first user) and the lender (also referred to as the second user) according to the result of the examination input from the lender terminal 40. ..
  • the cooperation instruction unit 130 has a function of transmitting loan information to the electronic money settlement server 20 and instructing the electronic money settlement server 20 of cooperation in remittance processing between the borrower and the lender.
  • the remittance processing instruction unit 140 remits the loan amount according to the loan information 126 (electronic money remittance information) stored in the storage unit 12 from the lender's electronic money account to the borrower's electronic money account on the electronic money settlement server 20. It has a function to instruct processing.
  • the determination unit 150 determines whether the amount (payment amount) transferred from the borrower's electronic money account to the lender's electronic money account on the electronic money settlement server 20 on a predetermined date (calculation date) satisfies the predetermined condition. It has a function to make a judgment.
  • the deposit amount information is transmitted from the electronic money payment server 20. Further, the determination unit 150 may perform the calculation date detection process.
  • the transmission unit 160 has a function of transmitting various information to the borrower terminal 30, the lender terminal 40, and the electronic money payment server 20.
  • the electronic money payment server 20 executes processing based on an instruction specified in the remittance processing program stored in the storage unit 22.
  • the electronic money payment server 20 includes a receiving unit 210, a remittance processing unit 220, and a transmitting unit 230 as functional units.
  • the receiving unit 210 receives the instruction information from the transaction management server 10.
  • the remittance processing unit 220 executes the remittance processing based on the remittance instruction from the transaction management server 10.
  • the transmission unit 230 transmits remittance-related information.
  • the transaction-related information processed by the electronic money settlement server 20 may be appropriately stored in the transaction management information database 240.
  • the borrower terminal 30 executes processing based on an instruction specified in a program related to the transaction management control program stored in the storage unit 33.
  • the borrower terminal 30 has a receiving unit 310 and a transmitting unit 320, respectively.
  • the receiving unit 310 has a function of receiving the information transmitted from the transaction management server 10.
  • the transmission unit 320 has a function of transmitting various information to the transaction management server 10 and the electronic money payment server 20.
  • the lender terminal 40 executes the process specified in the program related to the transaction management control program stored in the storage unit 43.
  • the lender terminal 40 has a receiving unit 410 and a transmitting unit 420 as functional units, respectively.
  • the receiving unit 410 has a function of receiving the information transmitted from the transaction management server 10.
  • the transmission unit 420 has a function of transmitting various information to the transaction management server 10 and the electronic money payment server 20.
  • FIG. 10 is a flow chart of transaction management control processing. As shown in FIG. 10, the transaction management control process includes a first transaction management control process S100, a second transaction management control process S200, and a third transaction management control process S300.
  • the first transaction management control process S100 includes an examination process instruction process, a determination process, a loan information generation process, and a cooperation instruction process.
  • the second transaction management control process S200 includes a remittance instruction information transmission process, a remittance process, and a remittance process completion information reception process.
  • the third transaction management control process S300 includes a calculation date detection process, a payment confirmation instruction process, a determination process, a loan information generation process, and a remittance process. Each transaction management control process will be described separately.
  • FIG. 11 shows the first transaction management control process S100.
  • the borrower terminal 30 inputs the application information for receiving the loan of money (S101).
  • the borrowing application (application) downloaded to the borrower terminal 30 is started by the operation of the borrower, and predetermined information is input.
  • the input application information is transmitted to the transaction management server 10 (S103), and the customer information 121 shown in FIG. 3 is stored in the storage unit 12.
  • the transaction management server 10 generates examination instruction information based on the application information (S105) and transmits it to the lender terminal 40 (S107).
  • Examination information 122 is input by the lender to the lender terminal 40 that has received the examination instruction (S109).
  • the lender confirms the customer information and the identity verification information.
  • the customer information may be transmitted from the lender terminal 40 to the terminal of the credit institution (not shown), and the credit information may be transmitted from the terminal of the credit institution to the lender terminal 40.
  • the transmission unit 420 of the lender terminal 40 transmits the examination information 122 to the transaction management server 10 (S111).
  • the acquisition unit 110 of the transaction management server acquires the examination information 122 (S113), and the examination information 122 is stored in the storage unit 12.
  • the transaction management process is completed (information to that effect may be displayed on the borrower terminal 30).
  • the application completion information is transmitted to the borrower terminal 30 (S117), and the information is displayed on the borrower terminal 30 (S119).
  • the borrower inputs various information in order to register the contract information shown in FIG. 5 in the borrower terminal 30 (S121).
  • the maximum amount of the loan is selected from the preset amount. In this example, a limit of 50,000 yen and 100,000 yen is set.
  • the calculation date for confirming the deposit amount is also selected from the preset dates. In this example, the due dates are set to 5, 15 and 25 days. If the contract date is 20 days and the calculation date is 25 days, the calculation may not be performed for the contract month. The calculation date can also be changed later.
  • the borrower inputs various information to the borrower terminal 30 in order to register the payment method of the monthly fee shown in FIG. 7. The payment method is selected from preset methods. The input information is transmitted to the transaction management server 10 (S123) and stored in the storage unit 12.
  • the cooperation instruction unit 130 of the transaction management server 10 generates information (cooperation instruction information) for instructing the electronic money settlement server 20 to cooperate in the remittance processing between the borrower and the lender (cooperation instruction information). S125), it is transmitted to the electronic money settlement server 20 together with the loan information (S127).
  • a request signal may be transmitted so that the transaction management server 10 and the electronic money settlement server 20 are connected via an API (Application Programming Interface).
  • API Application Programming Interface
  • a web API can be used as the API.
  • the electronic money payment server 20 When the electronic money payment server 20 receives the cooperation instruction information (S129), it generates information to the effect that it responds to the cooperation (S130) and transmits it to the transaction management server 10 (S131). At this time, the lender's electronic money account on the electronic money settlement server 20 may be provided.
  • the transaction management server 10 receives the cooperation response signal (S133)
  • the transaction management server 10 and the electronic money settlement server 20 are linked by an API connection.
  • the first transaction management control process S100 is completed.
  • the transaction management server 10 and the electronic money settlement server 20 cooperate with each other, and the transaction management server 10 acquires the remittance and inquiry of electronic money in the electronic money settlement server 20 and their history information, and manages the transaction. be able to.
  • FIG. 12 shows a flow chart of the second transaction management control process S200.
  • the second transaction management control process S200 is performed triggered by the termination of the first transaction management control process S100.
  • the second transaction management control process S200 is not limited to this, and may be performed when the predetermined date and time is reached.
  • the remittance processing instruction unit 140 of the transaction management server 10 instructs the electronic money settlement server 20 to remit the loan amount according to the loan information generated in advance from the lender's electronic money account to the borrower's electronic money account.
  • Information is transmitted (S201). At this time, even if it is confirmed by sending a balance inquiry request signal to the electronic money settlement server 20 before sending the remittance instruction information as to whether or not the balance of the lender's electronic money account is larger than the loan amount. Good.
  • a balance inquiry request signal may be periodically transmitted and confirmed.
  • electronic money may be charged to the lender's electronic money account according to the balance.
  • the acquired balance information and transaction information are appropriately stored in the storage unit 12.
  • the electronic money settlement server 20 executes the remittance process from the lender's electronic money account to the borrower's electronic money account (S205). After the remittance process is completed, the electronic money settlement server 20 generates the remittance process completion information together with the remittance information and transmits it to the transaction management server 10 (S207).
  • the transaction management server 10 receives the remittance information and the remittance processing completion information (S209), the acquired remittance information is appropriately stored in the storage unit 12. As a result, the second transaction management control process S200 is completed.
  • Third transaction management control process S300 13 and 14 are flow charts of the third transaction management control process S300.
  • the transaction management control unit 100 detects the calculation date (also referred to as the quick clearing date) for confirming the payment status (S301). The detection process is repeated until a predetermined date set as the calculation date is reached (S303; No).
  • the transmission unit 160 transmits the payment confirmation instruction information (S305).
  • the electronic money settlement server 20 receives the payment confirmation instruction information (S307)
  • the electronic money settlement server 20 transmits the payment information from the borrower's electronic money account to the lender's electronic money account to the transaction management server 10 (S309).
  • the acquisition unit 110 of the transaction management server 10 receives the payment information (S311) and stores it in the storage unit 12.
  • the determination unit 150 determines whether the amount of money deposited from the borrower's electronic money account to the lender's electronic money account satisfies a predetermined condition (S313).
  • the predetermined condition is that the amount of electronic money transferred from the lender's electronic money account to the borrower's electronic money account at the time of lending is equal to or greater than the amount of electronic money deposited.
  • the borrower activates an application (also called a remittance application) for executing the remittance process of the electronic money settlement server downloaded to the borrower terminal 30, and remittance of money deposited in the bank account. It is done by executing.
  • the transmission unit 320 of the borrower terminal 30 transmits the remittance request information to the electronic money payment server 20, and the electronic money payment server 20 is based on the information.
  • Remittance processing repayment
  • the minimum deposit (repayment) amount may be set in relation to the interest rate. In this example, a minimum deposit of 4,000 yen is set.
  • the deposit amount does not meet the predetermined condition (S315; No)
  • the amount after deducting is changed to the next loan (S317). Specifically, if a loan of 100,000 yen is deposited with 80,000 yen, the unpaid amount will be 20,000 yen. At this time, 79,704 yen, which is obtained by subtracting 296 yen as interest corresponding to 20,000 yen from 80,000 yen, will be the next remittance amount.
  • the amount of interest is not limited to the amount that fluctuates according to the interest rate, and may be a fixed amount that is uniformly set at 1,000 yen.
  • the third transaction management control process S300 may be terminated here.
  • the remittance processing instruction unit 140 transmits the remittance instruction information of the loan based on the above to the electronic money settlement server 20 (S321). ).
  • the electronic money settlement server 20 receives the remittance instruction information again (S322), the electronic money settlement server 20 performs the remittance process again from the lender's electronic money account to the borrower's electronic money account (S323).
  • the electronic money settlement server 20 transmits the remittance processing completion information to the transaction management server 10 (S325).
  • the transaction management server 10 receives the remittance processing completion information (S327), the transaction management server 10 stores the information in the transaction-related information database 12b of the storage unit 12.
  • the calculation date detection process is executed again (S301).
  • the third transaction management control process S300 can be repeatedly executed.
  • the process of lending (remittance) electronic money from the lender's electronic money account to the borrower's electronic money account is repeatedly executed, the borrower sends the borrower terminal 30 to the borrower terminal 30 for the monthly loan amount of 100,000 yen.
  • the electronic money settlement server 20 executes the repayment (remittance) process of the electronic money.
  • the transaction management server 10 and the electronic money settlement server 20 cooperate with each other to quickly and easily perform a plurality of times of lending, borrowing and repayment processing between the lender terminal and the borrower terminal. It can be carried out.
  • the transaction management server 10 when the deposit amount satisfies the predetermined condition, even if there is no loan contract (information) again, the transaction management server 10 inputs the borrower (for example, in the remittance application, " When the remittance request information transmitted from the borrower terminal 30 is received by pressing the "repay button” and the “borrow button again"), the remittance processing instruction unit 140 of the transaction management server 10 determines the loan amount based on the above.
  • the remittance instruction information may be transmitted to the electronic money settlement server 20.
  • the maximum amount of money to be borrowed is set. Therefore, the borrower can prevent overuse of electronic money. In addition, if the full repayment is difficult, the borrower can repay as much as possible together with interest. That is, the borrower can make a highly convenient repayment.
  • the transaction management server 10 uses the borrower terminal 30 every time a new lending is made. You may decide whether to lend again based on the information entered in.
  • the present invention when the deposit amount does not meet the predetermined conditions, an example of changing the remittance amount is shown, but the present invention is not limited to this.
  • the deposit processing from the lender's electronic money account to the borrower's electronic money account may be invalidated even if the contract information is registered to lend again.
  • the loan may be made again by activating the payment processing from the lender's electronic money account to the borrower's electronic money account. ..
  • FIG. 15 shows a functional block diagram of the transaction management system 1A.
  • the transaction management control unit 100A of the transaction management server 10A includes the acquisition unit 110, the generation unit 120, the cooperation instruction unit 130, the remittance processing instruction unit 140, the determination unit 150, and the transmission unit 160.
  • the notification unit 170 is included.
  • the notification unit 170 has a function of notifying the borrower terminal 30 of the reminder information when the deposit amount does not meet the predetermined conditions.
  • the reminder information is displayed.
  • the reminder information at this time includes interest rate information and late payment information.
  • FIG. 16 shows a flow chart (S300A) of the third transaction management control process based on the instruction by the transaction management program in the transaction management control unit 100A.
  • the notification unit 170 notifies the borrower terminal 30 of the reminder information (S351). Examples of cases where the above predetermined conditions are not met are cases where there is no deposit (unpaid) or partial repayment below the minimum deposit amount.
  • the reminder information is displayed when the borrower activates the loan application or the electronic money settlement application on the borrower terminal 30 (S355).
  • the reminder information in this case may be text information, voice information, or image information. Further, even when the application is not started, the push notification may be displayed on the display unit of the borrower terminal 30.
  • the borrower can prevent forgetting to repay the borrowed money, and the lender can stably receive the loan.
  • the borrower when the reminder information is displayed, the borrower can make a deposit without waiting for the calculation date by pressing the repayment button on the remittance application.
  • a transaction management method different from that of the first embodiment will be described. Specifically, the transaction management method when the loan repayment is unpaid when the remittance process is performed a plurality of times will be described.
  • the determination unit 150 determines the lender's electronic money account from the borrower's electronic money account. When it is determined that the deposit amount to the money does not satisfy the predetermined condition two or more times, the determination unit 150 may register the borrower's information in the monitoring list. Alternatively, when it is determined that the predetermined conditions are not satisfied three or more times, the contract cancellation process or the borrower's information may be sent to the server of the credit information agency.
  • the transaction management server 10 can acquire the credit information of the borrower and can be used for the examination in a new transaction.
  • a transaction management control unit and a transaction management method different from those in the first embodiment will be described.
  • a transaction management system having a plurality of electronic money payment servers and a transaction management method will be described.
  • FIG. 17 shows the hardware configuration of the transaction management system 1B.
  • FIG. 18 shows a functional block diagram composed of each component of the transaction management system 1B.
  • the transaction management system 1B has a plurality of electronic money settlement servers 20B in addition to the transaction management server 10, the borrower terminal 30, and the lender terminal 40.
  • the cooperation instruction unit 130 transmits the cooperation instruction information to the electronic money payment server 20B-1 and the electronic money payment server 20B-2. At this time, the cooperation instruction unit 130 transmits the loan information (also referred to as the first loan information) from the lender to the borrower to the electronic money settlement server 20B-1. Similarly, the cooperation instruction unit 130 transmits loan information (also referred to as second loan information) different from the first loan information from the lender to the borrower to the electronic money settlement server 20B-2. This allows multiple loans from the lender to the borrower. At this time, the loan from the lender to the borrower on the electronic money settlement server 20B-1 and the loan from the lender to the borrower on the electronic money settlement server 20B-2 can be processed as independent. Therefore, the transaction management control process described in the first embodiment of the present disclosure is performed in each electronic money settlement server 20B. The transaction information in each electronic money settlement server 20 may be stored in the storage unit 12 and displayed in the borrowing application of the borrower terminal 30.
  • the borrower can easily grasp the borrowing status or the repayment status of each electronic money settlement server 20.
  • the electronic money payment server 20B-1 and the electronic money payment server 20B-2 are provided, but three or more electronic money payment servers may be provided.
  • a transaction management control unit and a transaction management method different from those in the fourth embodiment will be described. Specifically, a transaction management method for one loan information using a plurality of electronic money payment servers will be described.
  • the cooperation instruction unit 130 transmits the same lending information and cooperation instruction information to the electronic money payment server 20B-1 and the electronic money payment server 20B-2.
  • FIG. 19 shows a flow chart of the third transaction management control process S300C.
  • the transmission unit 160 of the transaction management server 10 transmits the payment confirmation instruction information to the electronic money payment server 20B-1 and the electronic money payment server 20B-2 (S305).
  • the electronic money payment server 20B-1 and the electronic money payment server 20B-2 receive the lender's electronic money from the borrower's electronic money account of the respective electronic money payment server 20B.
  • the payment information to the money account is transmitted (S309, S310).
  • the determination unit 150 determines the deposit amount (S313). At this time, the determination unit 150 makes a loan from the borrower's electronic money account on the electronic money settlement server 20B-1 to the lender's electronic money account and from the borrower's electronic money account on the electronic money settlement server 20B-2. It may be determined whether the total amount of money deposited in a person's electronic money account meets a predetermined condition.
  • FIG. 20 shows a flow chart (S300D) of the third transaction management control process based on the instruction by the transaction management program in the transaction management control unit 100.
  • the storage unit 12 stores that the monthly fee payment is electronic money payment (S316; Yes)
  • the amount corresponding to the monthly fee may be deducted from the loan (S318). Therefore, if the full amount has been paid (repayed) (S315; Yes), the amount obtained by subtracting the amount corresponding to the monthly fee from the deposit amount will be the amount to be remitted next time.
  • the amount obtained by subtracting the amount corresponding to the monthly fee from the deposit amount will be the amount to be remitted next time.
  • unpaid from the deposit amount deposited in the lender's electronic money account from the borrower's electronic money settlement server in the electronic money settlement server 20 unpaid from the deposit amount deposited in the lender's electronic money account from the borrower's electronic money settlement server in the electronic money settlement server 20.
  • the interest rate according to the amount is deducted, and the amount corresponding to the monthly fee may be deducted as the amount to be remitted next time.
  • a transaction management method different from that of the first embodiment will be described.
  • the deposit amount is included in the period including the preliminary date in addition to the calculation date.
  • An example of executing (determining) the calculation of is described.
  • FIG. 21 shows a flow chart (S300E) of the third transaction management control process based on the instruction by the transaction management program in the transaction management control unit 100.
  • the calculation date for confirming the payment status is detected (S301).
  • the detection process is repeated until a predetermined date is reached (S303; No).
  • a preliminary period may be further detected (S3041). The detection process is repeated until the expiration date of the preliminary period is reached (S3042; No). When the expiration date of the preliminary period is reached (S3042; Yes), the transaction management server 10 transmits the payment confirmation instruction information (S305).
  • ⁇ 8th Embodiment> a transaction management method different from that of the first embodiment will be described. Specifically, an example of cancellation processing when cancellation information from the borrower is received will be described.
  • FIG. 22 shows a flow chart (S300F) of the third transaction management control process based on the instruction by the transaction management program in the transaction management control unit 100.
  • the borrower inputs the information desired to cancel the transaction in the remittance application displayed on the display unit 31 of the borrower terminal 30.
  • the borrower terminal 30 generates cancellation information based on the input information, and transmits the cancellation information to the transaction management server 10 (S371).
  • the transmission unit 160 transmits the payment confirmation instruction information without detecting the calculation date (S375).
  • the electronic money settlement server 20 receives the payment confirmation instruction information (S377)
  • the electronic money settlement server 20 transmits the payment information from the borrower's electronic money account to the lender's electronic money account to the transaction management server 10 (S379).
  • the acquisition unit 110 of the transaction management server 10 receives the payment information (S381) and stores it in the storage unit 12.
  • the determination unit 150 determines whether the amount of money deposited from the borrower's electronic money account to the lender's electronic money account satisfies a predetermined condition (S383).
  • the predetermined condition in this case is that the same amount (full amount) of electronic money as the amount transferred from the lender's electronic money account to the borrower's electronic money account at the time of lending is deposited.
  • the transaction management server 10 cancels the loan contract between the borrower and the lender (S387).
  • the transaction management server 10 tells the borrower terminal 30 that the cancellation process has been completed or that the predetermined conditions have not been met (specifically, the full amount has not been paid, S385; No).
  • the notification information is transmitted (S389).
  • the borrower terminal 30 When the borrower terminal 30 receives the notification information (S391), the borrower can confirm whether or not the cancellation has been completed at the borrower terminal 30. If the cancellation process has not been completed, the borrower may re-enter the cancellation information after depositing the shortfall amount.
  • FIG. 23 shows a functional block diagram composed of each component of the transaction management system 1G.
  • the transaction management control unit 100G of the transaction management server 10G is set in addition to the acquisition unit 110, the generation unit 120, the cooperation instruction unit 130, the remittance processing instruction unit 140, the determination unit 150, and the transmission unit 160.
  • the unit 180 is included.
  • the setting unit 180 cancels the loan contract, restricts the use of the system, sets the creditworthiness of the borrower, and changes the remittance amount (loan amount) based on the borrower's transaction record (repayment record).
  • FIG 24 and 25 show a flow chart (S400) of the fourth transaction management control process based on the instruction by the transaction management program in the transaction management control unit 100G.
  • the fourth transaction management control process S400 can be performed in combination with other transaction management control processes.
  • the acquisition unit 110 of the transaction management server 10 receives the deposit amount information (payment information) (S401).
  • the determination unit 150 performs the determination process using the borrower's deposit amount information (repayment history) stored in the storage unit 12 together with the deposit information (S402). Specifically, the determination unit 150 determines whether or not the borrower's repayment history is overdue twice or more in a row (S403). If there is a delinquency two or more times in a row (S403; Yes), it is determined whether there is a delinquency three or more times in a row (S405).
  • the setting unit 180 forcibly cancels the borrower's loan contract (S407). Further, the transmission unit 160 stores in the storage unit 12 (specifically, the recipient information DB 12a) that the borrower is included in the blacklist based on the cancellation process, and also informs the credit institution terminal and the lender terminal 40. Send.
  • the storage unit 12 specifically, the recipient information DB 12a
  • the transmission unit 160 transmits repayment reminder information to the borrower terminal 30 and additional instruction information for inputting the borrower's personal information (S405; No). S409).
  • the determination unit 150 determines whether or not the additional personal information has been input from the borrower terminal 30 based on the above instruction information (S411).
  • the setting unit 180 suspends the use of the borrower's transaction management system (S415). In that case, the next remittance to the borrower's electronic money account will not be processed.
  • the acquisition unit 110 receives the next payment information (S401) and repeats the above process.
  • the determination unit 150 determines the credit of the borrower (S422). Specifically, the determination unit 150 sets the creditworthiness of the borrower based on the information (repayment history) of the deposit amount for the past six months.
  • a gold member and a silver member are provided as the rank of the borrower.
  • Silver membership means the rank set by the borrower at the time of contract with the lender.
  • Gold members are set when the repayment history is good. Gold members may have a higher amount of money (transfer amount) that can be borrowed per month than silver members. Specifically, the following four patterns are provided for setting the credit rating.
  • the transmission unit 160 instructs the borrower terminal 30 to display the gold member promotion selection. Is transmitted (S427).
  • the setting unit 180 sets the borrower as the gold member.
  • the remittance amount is also set.
  • the setting unit 180 does not change the creditworthiness of the borrower (S429), and the borrower continues to use it as a gold member. be able to.
  • the setting unit 180 sets the borrower to be changed from a gold member to a silver member (S433). At the same time, the remittance amount is also set.
  • the setting unit 180 does not change the creditworthiness of the borrower (S435), and the borrower continues to use it as a silver member. be able to.
  • the credit rating may be set low at the time of contracting the lease contract, and the credit rating may be changed according to the repayment history.
  • the lender can reduce the risk of bad debt, and the borrower can easily evaluate the creditworthiness when borrowing electronic money, so that the threshold for borrowing can be lowered.
  • deposit amount information shown in this embodiment is not particularly limited. Each process may be executed using the information of the deposit amount at least twice.
  • the remittance amount may be set after the next deposit after the credit rating is changed.
  • the remittance amount may be set after the borrower has input the change in the remittance amount setting.
  • FIG. 26 shows the hardware configuration of the transaction management system 1H.
  • the transaction management system 1H has a transaction management server 10, an electronic money settlement server 20, a borrower terminal 30, a lender terminal 40, and a consenter terminal 60.
  • the consenter terminal 60 has a display unit 61, a control unit 62, a storage unit 63, an operation unit 64, and a communication unit 65.
  • the approver terminal 60 may be a smartphone, a mobile phone (feature phone), a tablet terminal, a notebook PC, a desktop PC, an IoT device, or the like, and can be applied as long as it can communicate with the transaction management server 10 via a network. is there.
  • the display unit 61 is a display device such as a liquid crystal display or an organic EL display, and the display content is controlled by a signal input from the control unit 62.
  • the control unit 62 is one of the computers and includes a CPU, an ASIC, an FPGA, or another arithmetic processing circuit.
  • the control unit 62 executes a program stored in a storage unit 63 such as a memory based on the operations of the display unit 61 and the operation unit 64, and causes the transaction management control processing program stored in the storage unit 12 of the transaction management server 10 to execute the program. Instructs the execution of processing based on the instructions specified in the related program.
  • the operation unit 64 includes a controller, a button, or a switch.
  • the operation unit 64 moves, presses, or rotates up, down, left, and right, and information based on the operation is transmitted to the control unit 62. If the display device has a touch sensor, the display unit 61 and the operation unit 64 may be arranged at the same location.
  • the communication unit 65 has a function of transmitting and receiving to and from the transaction management server 10 or the electronic money payment server 20.
  • a LAN transmitter / receiver is used for the communication unit 65.
  • the transmitter / receiver is not limited to the LAN transmitter / receiver, and a transmitter / receiver for mobile terminal communication (for example, LTE communication) may be provided, or a transmitter / receiver for short-range wireless communication may be provided.
  • the approver terminal 60 is connected to the transaction management server 10 or the borrower terminal 30 via the network 50.
  • FIG. 27 shows a functional block diagram composed of each component of the transaction management system 1H.
  • the approver terminal 60 executes a process based on an instruction specified in a program related to the transaction management control program stored in the storage unit 63.
  • the approver terminal 60 has a receiving unit 610 and a transmitting unit 620, respectively.
  • the receiving unit 610 has a function of receiving the information transmitted from the transaction management server 10.
  • the transmission unit 620 has a function of transmitting various information to the transaction management server 10.
  • FIG. 28 shows the first transaction management control process S100H.
  • the borrower terminal 30 inputs the application information for receiving the loan of money (S101).
  • the borrowing application (application) downloaded to the borrower terminal 30 is started by the operation of the borrower, and predetermined information is input.
  • the entered application information is transmitted to the transaction management server 10 (S103).
  • the customer information 121 shown in FIG. 3 is acquired as application information (also referred to as borrower information) (S1041) and stored in the storage unit 12.
  • the borrower's age is obtained from the borrower's information.
  • the generation unit 120 generates instruction information (also referred to as first instruction information) instructing to transmit the approver information (S1042), and the borrower terminal 30 Is transmitted to (S1043).
  • the received first instruction information is displayed on the borrower terminal 30, and the consenter information is input by the borrower (S1044). Specifically, the telephone number of the approver can be entered.
  • the entered approver information is transmitted to the transaction management server 10 (S1045), and the acquisition unit 110 acquires the approver information (S1046).
  • the generation unit 120 is instructing the approver to send the approval / disapproval information for selecting whether or not to approve the lease contract based on the approver information (also referred to as the second instruction information).
  • the transmission unit 160 transmits the second instruction information to the acceptor terminal 60 (S1048).
  • a message in which a URL (Uniform Resource Locator) for inputting consent information as consent request instruction information may be transmitted to the consenter terminal 60 as SMS (Short Message Service).
  • the consenting person inputs the consenting information to the consenting person terminal 60 (S1049). More specifically, when the SMS message arrives at the consenter terminal 60, the message is displayed on the display unit 61. At this time, when the approver clicks the URL described in the message, the consent page is displayed. On the consent page, the consenter enters the name and date of birth of the consenter, confirms the consent details, and then clicks the consent button. As a result, the consent information is transmitted to the transaction management server 10 (S1050).
  • the generation unit 120 when the acquisition unit 110 acquires the consent information, the generation unit 120 generates the consent completion information (S1051). At this time, the determination unit 150 may determine whether the consent information satisfies a predetermined condition.
  • the prescribed condition is that the name and date of birth of the approver are entered, or that the confirmation of the consent content is checked. This is just an example, and it can be applied if there is personally identifiable information other than the name and date of birth of the approver.
  • the consent completion information is stored in the storage unit 12.
  • the consent completion information is transmitted to the consenter terminal 60 and the borrower terminal 30 (S1052, S1053).
  • the consent result page is displayed on the display unit 61.
  • the borrower terminal 30 it is displayed on the display unit 31 as a push notification.
  • the transaction management server 10 After the above consent process is completed, the transaction management server 10 generates examination instruction information based on the application information and the consent completion information (S105). The processing after this processing is the same as that of the first embodiment.
  • remittance instruction information (also referred to as third instruction information) is transmitted from the lender's digital currency account to the borrower's digital currency account on the electronic money settlement server 20.
  • the loan agreement can be proceeded with the consent of the approver, and the consent procedure is also very simple.
  • a guardian is set as the approver, and the electronic money cannot be borrowed without the consent of the guardian.
  • consent by the guardian can be easily obtained using the terminal. Therefore, it is possible to provide a highly secure transaction management system while improving user convenience.
  • a transaction management method in Internet banking will be described.
  • the same configurations as those of the other embodiments will be omitted as appropriate.
  • cash available in Internet banking is used.
  • the cash in this case refers to electronic information of cash in the account that can be processed by a computer.
  • FIG. 29 shows the hardware configuration of the transaction management system 1J.
  • FIG. 30 shows a functional block diagram composed of each component of the transaction management system 1J.
  • the transaction management system 1J has an Internet banking settlement server 70 in addition to the transaction management server 10, the borrower terminal 30, and the lender terminal 40.
  • the Internet banking payment server 70 executes inter-account remittance (transfer) processing in Internet banking and functions as a database and application server for payment at a financial institution.
  • the Internet banking payment server 70 has a communication unit 71, a storage unit 72, and a control unit 73.
  • the communication unit 71 has a transmitter / receiver and performs information communication with the transaction management server 10, the borrower terminal 30, and the lender terminal 40 via the network 50. Communication between the communication unit 71 and the transaction management server 10, the borrower terminal 30, and the lender terminal 40 is performed using the Internet (specifically, SSL / HTTPS or VPN).
  • the storage unit 72 stores remittance-related information used in the remittance processing program in the Internet banking payment server 70.
  • the control unit 73 is one of the computers, and is an instruction specified by a remittance processing program in which at least a part is controlled by the transaction management server 10 described later by using a CPU, an ASIC, an FPGA, or another arithmetic processing circuit. Control the remittance process based on.
  • the Internet banking payment server 70 executes processing based on an instruction specified in the remittance processing program stored in the storage unit 72.
  • the Internet banking payment server 70 includes a receiving unit 710, a remittance processing unit 720, and a transmitting unit 730 as functional units.
  • the receiving unit 710 receives the instruction information from the transaction management server 10.
  • the remittance processing unit 720 executes the remittance processing based on the remittance instruction from the transaction management server 10.
  • the transmission unit 730 transmits remittance-related information.
  • the transaction-related information processed by the Internet banking payment server 70 may be appropriately stored in the transaction management information database 740.
  • the remittance processing instruction unit 140 of the transaction management server 10 converts the loan information generated in advance from the lender's savings account to the borrower's savings account to the Internet banking settlement server 70.
  • the remittance instruction information of the corresponding loan amount is transmitted (S201J).
  • the Internet banking payment server 70 When the Internet banking payment server 70 receives the remittance instruction information at the receiving unit 710 (S203J), the Internet banking payment server 70 changes from the lender's savings account to the borrower's savings account based on the received remittance instruction information.
  • the remittance process to is executed (S205J).
  • the received remittance instruction information may be stored in the transaction management information database 740 of the storage unit 72.
  • the Internet banking settlement server 70 may execute the remittance process from the lender's savings account to the borrower's savings account based on the received remittance instruction information and the transaction-related information stored in the transaction-related information DB.
  • the Internet banking settlement server 70 After the remittance process is completed, the Internet banking settlement server 70 generates the remittance process completion information together with the remittance information and transmits it to the transaction management server 10 (S207J).
  • the transaction management server 10 receives the remittance information and the remittance processing completion information (S209J), the acquired remittance information is appropriately stored in the storage unit 12.
  • the calculation date (quick clearing date) for confirming the payment status is detected (S301J).
  • the detection process is repeated until a predetermined date set as the calculation date is reached (S303J; No).
  • the transmission unit 160 transmits the payment confirmation instruction information to the Internet banking payment server 70 (S305J).
  • the Internet banking settlement server 70 receives the payment confirmation instruction information (S307J)
  • it acquires the payment information from the borrower's savings account stored in the transaction-related information DB740 to the lender's savings account, and is acquired.
  • the deposit information is transmitted to the transaction management server 10 (S309J).
  • the acquisition unit 110 of the transaction management server 10 receives the payment information (S311J) and stores it in the storage unit 12.
  • the determination unit 150 determines whether the amount of money deposited from the borrower's savings account to the lender's savings account satisfies a predetermined condition (S313J).
  • the predetermined condition is that the savings account has been deposited in an amount equal to or greater than the amount transferred from the lender's savings account to the borrower's savings account at the time of lending.
  • the deposit (remittance) process is performed by the borrower activating an application (remittance application) for executing the remittance process of the savings account settlement server downloaded to the borrower terminal 30 and depositing the money in the savings account. It is done by executing a remittance of money.
  • the borrower can perform remittance processing (repayment) by the Internet banking settlement server 70 when the remittance button on the remittance application is clicked. Further, in the present embodiment, if the amount borrowed by the calculation date is deposited, no additional interest rate is generated. Therefore, the borrower can easily borrow cash using a savings account. Cash transferred to the borrower's savings account can be withdrawn as appropriate.
  • the deposit amount does not meet the predetermined conditions (S315J; No)
  • the amount after deducting is changed to the next loan (S317J). Specifically, if a loan of 100,000 yen is deposited with 80,000 yen, the unpaid amount will be 20,000 yen. At this time, 79,704 yen, which is obtained by subtracting 296 yen as interest corresponding to 20,000 yen from 80,000 yen, will be the next remittance amount.
  • the amount of interest is not limited to the amount that fluctuates according to the interest rate, and may be a fixed amount that is uniformly set at 1,000 yen.
  • the third transaction management control process S300J may be terminated here.
  • the remittance processing instruction unit 140 transmits the remittance instruction information of the loan based on the above to the Internet banking settlement server 70 (S321J).
  • the Internet banking settlement server 70 receives the remittance instruction information again (S322J)
  • the Internet banking settlement server 70 performs the remittance process again from the lender's savings account to the borrower's savings account (S323J).
  • the Internet banking settlement server 70 transmits the remittance processing completion information to the transaction management server 10 (S325J).
  • the transaction management server 10 receives the remittance processing completion information (S327J)
  • the transaction management server 10 stores the information in the transaction-related information database 12b of the storage unit 12.
  • the calculation date detection process is executed again (S301J).
  • the third transaction management control process S300 can be repeatedly executed.
  • cash lending (remittance) processing from the lender's savings account to the borrower's savings account is repeatedly executed, the borrower will contact the borrower terminal 30 for a monthly loan amount of 100,000 yen.
  • the savings account settlement server 20 executes cash repayment (remittance) processing.
  • the transaction management server 10 and the Internet banking settlement server 70 cooperate with each other, and a plurality of times of lending, borrowing and repayment processing can be quickly performed using cash between the lender terminal and the borrower terminal. It can be done easily.
  • remittance including the loan amount and the amount equivalent to interest
  • Interest may be displayed in the remittance app on the borrower's terminal.
  • the transmission unit 320 of the borrower terminal 30 transmits the remittance request information about the total amount of the loan amount and the interest to the electronic money settlement server 20.
  • the electronic money payment server 20 performs remittance processing (repayment) based on the information.
  • the determination unit 150 determines whether the amount of money deposited from the borrower's electronic money account to the lender's electronic money account satisfies a predetermined condition (S313).
  • the prescribed condition is that the deposit amount matches the total amount of money transferred from the lender's electronic money account to the borrower's electronic money account (loan amount) and interest amount at the time of lending. Is.
  • the determination unit 150 determines whether the deposit amount is 102,000 yen, which is the total amount of the loan amount of 100,000 yen and the interest amount (2,000 yen).
  • the remittance processing instruction unit 140 sends the remittance instruction information of the loan based on the loan information to the electronic money settlement server 20. Send (S321). As a result, the borrower can borrow the same amount of electronic money as the previous loan amount (borrowing amount) in the next loan.
  • the amount corresponding to the difference between the loan amount and the deposit amount from the deposit amount deposited in the lender's electronic money account on the electronic money settlement server 20 may be changed to the next loan. Specifically, if a loan of 100,000 yen is deposited with 100,000 yen, the unpaid amount will be 2,000 yen for interest. At this time, 98,000 yen, which is 100,000 yen minus 2000 yen, which is the interest amount, will be the next remittance amount, and the loan amount may be set as 100,000 yen.
  • the transaction management server 10 and the electronic money settlement server 20 can cooperate with each other to instruct the remittance processing of the optimum amount based on the relationship between the loan amount and the repayment amount.
  • a plurality of times of lending, borrowing and repayment processing between the lender terminal and the borrower terminal can be performed quickly and easily.
  • the third transaction management control process S300 may be terminated at that time. In other words, repeated lending is not possible when the predetermined conditions are no longer met.
  • the fee payment process set every month may be performed as necessary, or the fee payment process may be omitted.
  • the notification unit 170 may notify the borrower terminal 30 of the payment guidance information from several days before the calculation date. As a result, the borrower can make a deposit according to the calculation date and can prevent forgetting to repay the loan.
  • the electronic money settlement server executes the remittance process when the borrower clicks a button on the application, but the present invention is not limited to this.
  • the electronic money payment server may detect the calculation date and automatically execute the remittance (withdrawal) process. This allows the borrower to prevent forgetting to repay.
  • the present invention is not limited to this.
  • the deposit information may be stored in the storage unit 12 of the transaction management server 10 (or the storage unit 22 of the electronic money settlement server 20) until the calculation date.
  • the predetermined period before and after the calculation date can be regarded as the repayment period.
  • the borrower is not considered to have forgotten to repay because the deposit information is stored even if the deposit is made before the calculation date.
  • the borrower can process the deposit when the money on hand is available. Therefore, the degree of freedom of repayment of the borrower is improved.
  • FIG. 34 shows a functional block diagram composed of each component of the transaction management system 1I.
  • the transaction management server 10I includes the electronic money settlement control unit 200I together with the transaction management control unit 100.
  • the electronic money payment control unit 200I can perform the same function as each functional unit of the electronic money payment server.
  • the electronic money payment server 20 and the lender terminal 40 may be provided integrally.
  • an example relating to lending and repayment using electronic money or cash (specifically, electronic information of cash in the account) is shown, but the present invention is not limited to this.
  • electronic money in addition to electronic money, cash or points, virtual currency or different electronic monetary values may be used. Collectively, they can be called "digital currencies.”
  • digital currency accounts In line with the above, electronic money accounts and savings accounts can be referred to as digital currency accounts.
  • the electronic money payment server 20 and the Internet banking payment server 70 can be called a digital currency payment server.
  • a plurality of digital currencies may be used in combination.
  • one digital currency (first digital currency) may be set as the digital currency for remittance.
  • the setting of the first digital currency may be performed based on the information input to the borrower terminal.
  • the digital currency settlement server (for example, the electronic money settlement server 20) may set a conversion fee when converting a second digital currency different from the first digital currency into the first digital currency.
  • an administrator may be appropriately provided for each digital currency.
  • an administrator in the case of electronic money, an administrator is provided as in the case of cash, but in the case of virtual currency, an administrator may not be provided.
  • remittance processing instruction unit 150 ... judgment unit, 160 ... transmission unit, 170 ... notification unit, 180 ... setting unit, 210 ... reception unit, 220 ... remittance processing unit, 230 ... transmission unit, 310 ... reception unit, 320 ... transmission unit, 410 ... reception unit, 420 ... transmission unit, 610 ... reception unit, 620 ... Transmitter, 710 ... Receiver, 720 ... Remittance processing unit, 730 ... Transmitter

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
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  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente invention porte sur un procédé de gestion de transaction, consistant à ordonner un processus de remise en fonction d'une relation entre un montant emprunté d'un compte de devise numérique d'un prêteur à un compte de devise numérique d'un emprunteur dans un premier serveur de règlement de devise numérique et un montant payé à une date prédéterminée ou au cours d'une période prédéterminée du compte de devise numérique de l'emprunteur au compte de devise numérique du prêteur dans le premier serveur de règlement de devise numérique, le processus de remise étant un processus consistant à remettre un montant trouvé en déduisant, du montant payé, un montant correspondant à la différence entre le montant emprunté et le montant payé. Dans le procédé de gestion de transaction, le processus de remise consistant à remettre le montant trouvé en déduisant, du montant payé, un montant correspondant à la différence entre le montant emprunté et le montant payé peut être ordonné dans les cas où le montant payé ne satisfait pas à une condition prédéterminée par rapport au montant emprunté.
PCT/JP2020/035597 2019-09-27 2020-09-18 Procédé de gestion de transaction et système de gestion de transaction WO2021060213A1 (fr)

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Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2002279188A (ja) * 2001-03-19 2002-09-27 Casio Comput Co Ltd 行動承認装置、行動承認方法、及びプログラム
JP2003036350A (ja) * 2001-07-25 2003-02-07 Aiful Corp 返済管理システム及び返済管理方法
JP2015032062A (ja) * 2013-07-31 2015-02-16 株式会社エヌ・ティ・ティ・データ四国 貸越管理装置、金融サービスシステム、出金可能額設定方法およびプログラム
JP2017204308A (ja) * 2017-08-23 2017-11-16 ヤフー株式会社 信用情報抽出装置及び信用情報抽出方法
JP2018106242A (ja) * 2016-12-22 2018-07-05 ソニーフィナンシャルホールディングス株式会社 引落処理装置

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2002279188A (ja) * 2001-03-19 2002-09-27 Casio Comput Co Ltd 行動承認装置、行動承認方法、及びプログラム
JP2003036350A (ja) * 2001-07-25 2003-02-07 Aiful Corp 返済管理システム及び返済管理方法
JP2015032062A (ja) * 2013-07-31 2015-02-16 株式会社エヌ・ティ・ティ・データ四国 貸越管理装置、金融サービスシステム、出金可能額設定方法およびプログラム
JP2018106242A (ja) * 2016-12-22 2018-07-05 ソニーフィナンシャルホールディングス株式会社 引落処理装置
JP2017204308A (ja) * 2017-08-23 2017-11-16 ヤフー株式会社 信用情報抽出装置及び信用情報抽出方法

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