WO2021065282A1

WO2021065282A1 - Information processing device, information processing system, information processing method, and program

Info

Publication number: WO2021065282A1
Application number: PCT/JP2020/032832
Authority: WO
Inventors: 健太郎安井; 淳一隠岐
Original assignee: フェリカネットワークス株式会社
Priority date: 2019-10-03
Filing date: 2020-08-31
Publication date: 2021-04-08
Also published as: JPWO2021065282A1

Abstract

The present invention achieves a configuration which enables an electronic money remittance process between user terminals. A remittance user terminal such as a smartphone of a remittance side transmits, to a management server, designation information about remittance source electronic money, a remittance destination, and a remittance. According to the remittance input from the remittance user terminal, the management server updates a balance recorded in a secure memory of the remittance user terminal to a balance obtained by subtracting the remittance and holds the remittance as intermediate money corresponding to a deposit. Furthermore, a balance, which is recorded in a secure memory of a reception user terminal specified by the remittance destination input from the remittance user terminal, is updated to a balance to which the remittance is added and a process for making a balance of the intermediate money 0 is executed to implement the remittance process between the user terminals.

Description

Information processing equipment, information processing systems, information processing methods, and programs

This disclosure relates to an information processing device, an information processing system, an information processing method, and a program. More specifically, it relates to an information processing device, an information processing system, an information processing method, and a program that enable information processing between users by using an electronic money application installed in a device such as a smartphone (smartphone). ..

In recent years, the use of mobile terminals such as smartphones (smartphones) having a cashless payment function has been expanding.
By using a mobile terminal having a cashless payment function, it is possible to easily make payments for shopping, eating and drinking, or getting on a train or bus without carrying cash.
As a prior art disclosed regarding cashless payment processing, there is, for example, Patent Document 1 (Japanese Unexamined Patent Publication No. 2014-059855).

A mobile terminal having a cashless payment function executes short-range wireless communication and performs authentication and payment processing by bringing it closer to a reader / writer (R / W).
The mobile terminal and the reader / writer perform communication by so-called non-contact type short-range wireless communication. As a standard for this non-contact type short-range wireless communication, for example, there is NFC (Near Field Communication) and the like.
Communication devices such as mobile terminals and reader / writers are designed to perform communication in accordance with specific communication standards such as NFC.

Install and use an application that provides a cashless payment function on a mobile terminal such as a smartphone (smartphone).
Applications that provide cashless payment functions can be broadly classified into the following three types.
(A) Credit card and debit card apps (b) Electronic money apps (c) QR code (registered trademark) apps

(A) Credit card and debit card applications are linked to user-owned credit cards and bank accounts, and payment processing is executed by payment processing using credit cards or direct transfer processing from bank accounts. To.

(B) The electronic money-based application provides a function similar to that of an IC card in which a predetermined amount of money issued by, for example, a transportation IC card or a supermarket can be charged in the card.
A prepaid type that can be used within the range of the amount charged by the user in advance is common, and the upper limit of the charge amount is set to a relatively low amount, for example, about 20,000 to 30,000 yen.

It is also possible to link a credit card or bank account to an electronic money application and add an auto charge function that automatically charges when the charge balance of the electronic money application falls below a predetermined amount. It is possible.
Since this electronic money application can be used within the charge amount, it has the advantage of high security.

(C) The QR code (registered trademark) payment type application is set to read the QR code (registered trademark) or barcode on the store side to make a payment, and the QR code (registered trademark) or barcode displayed on the smartphone is read. There is a setting to make a payment, and the payment process etc. is executed by the server associated with the QR code (registered trademark).
In addition, the QR code (registered trademark) payment type application is also linked to the bripaid type, which uses only the amount charged by the user in advance, and the above-mentioned electronic money type application, by linking a credit card or bank account. There is an auto-charge function addition type that automatically charges when the charge balance falls below a certain amount.

In recent years, in particular, the use of (c) QR code (registered trademark) payment type applications has been increasing.
Currently, there are many service providers that operate QR code (registered trademark) payment processing, and some of them provide remittance services between users.
The inter-user remittance service is realized, for example, by data processing by a server operated by a company that provides a QR code (registered trademark) payment type application service.
By providing such a service, the user can easily transfer money between users without having to hand over cash between users or perform troublesome processing such as transfer processing at a bank.

However, the above-mentioned (b) electronic money application does not currently provide a remittance processing service between users.
Basically, in the electronic money system application, the charge amount by the user is set as the deposit of each service provider, and the charge amount is the specific service provider on the user terminal (smartphone, etc.) on which the electronic money system application is installed. It can be used by communicating with the store managed by the company and the reader / writer of the ticket gate.

The balance information of the charge amount is recorded in the memory of the smartphone etc., and the smartphone and the reader / writer communicate with each other when using it at the store or when passing through the ticket gate, and the reader / writer uses it from the charge balance recorded in the smartphone. The process of recording a new charge balance after deducting the amount is performed.
That is, only the reader / writer at the store or ticket gate managed by the service provider can rewrite the charge balance recorded in the memory of the smartphone or the like.

That is, in principle, it is not possible to rewrite the charge balance recorded in the memory of a smartphone or the like without using the reader / writer at the store or ticket gate managed by the service provider, and as a result, between users. There is a problem that the remittance process cannot be performed.

JP-A-2014-059855

This disclosure has been made in view of the above-mentioned problems, for example, and is an information processing device and an information processing system that enables remittance processing between users even on a user terminal such as a smartphone on which an electronic money system application is installed. , And information processing methods, as well as programs.

The first aspect of the disclosure is
A communication unit that executes communication with the user terminal,
It has a data processing unit that executes remittance processing between user terminals.
The data processing unit
The process of inputting the remittance source electronic money designation information, the remittance destination and the remittance amount from the remittance user terminal owned by the remittance request user via the communication unit.
According to the remittance amount input from the remittance user terminal, the balance recorded in the secure memory of the remittance user terminal is updated to the balance obtained by subtracting the remittance amount, and the remittance amount is used as intermediate money corresponding to the deposit. The process to hold and
The process of updating the balance recorded in the secure memory of the receiving user terminal specified by the remittance destination input from the remittance user terminal to the balance to which the remittance amount is added and setting the balance of the intermediate money to zero is performed. It is in the information processing device to be executed.

Further, the second aspect of the present disclosure is
With the communication department
Secure memory with a balance recording area compatible with electronic money,
Has a data processing unit
The data processing unit
In response to a request from the management server via the communication unit
It is in an information processing device that updates the balance of the secure memory corresponding to electronic money.

Further, the third aspect of the present disclosure is
It is an information processing system that has a user terminal and a management server.
The remittance user terminal on the remittance side
Send the remittance source electronic money designation information, the remittance destination and the remittance amount to the management server,
The management server
According to the remittance amount input from the remittance user terminal, the balance recorded in the secure memory of the remittance user terminal is updated to the balance obtained by subtracting the remittance amount, and the remittance amount is used as intermediate money corresponding to the deposit. The process to hold and
The process of updating the balance recorded in the secure memory of the receiving user terminal specified by the remittance destination input from the remittance user terminal to the balance to which the remittance amount is added and setting the balance of the intermediate money to zero is performed. It is in the information system to be executed.

Further, the fourth aspect of the present disclosure is
It is an information processing method executed in an information processing device.
The information processing device
A communication unit that executes communication with the user terminal,
It has a data processing unit that executes remittance processing between user terminals.
The data processing unit
The process of inputting the remittance source electronic money designation information, the remittance destination and the remittance amount from the remittance user terminal owned by the remittance request user via the communication unit.
According to the remittance amount input from the remittance user terminal, the balance recorded in the secure memory of the remittance user terminal is updated to the balance obtained by subtracting the remittance amount, and the remittance amount is used as intermediate money corresponding to the deposit. The process to hold and
The process of updating the balance recorded in the secure memory of the receiving user terminal specified by the remittance destination input from the remittance user terminal to the balance to which the remittance amount is added and setting the balance of the intermediate money to zero is performed. It is in the information processing method to be executed.

Further, the fifth aspect of the present disclosure is
It is an information processing method executed in an information processing device.
The information processing device
With the communication department
Secure memory with a balance recording area compatible with electronic money,
Has a data processing unit
The data processing unit
In response to a request from the management server via the communication unit
It is an information processing method for updating the balance of the secure memory corresponding to electronic money.

Further, the sixth aspect of the present disclosure is
A program that executes information processing in an information processing device.
The information processing device
A communication unit that executes communication with the user terminal,
It has a data processing unit that executes remittance processing between user terminals.
The program is installed in the data processing unit.
The process of inputting the remittance source electronic money designation information, the remittance destination and the remittance amount from the remittance user terminal owned by the remittance request user via the communication unit.
According to the remittance amount input from the remittance user terminal, the balance recorded in the secure memory of the remittance user terminal is updated to the balance obtained by subtracting the remittance amount, and the remittance amount is used as intermediate money corresponding to the deposit. The process to hold and
The process of updating the balance recorded in the secure memory of the receiving user terminal specified by the remittance destination input from the remittance user terminal to the balance to which the remittance amount is added and setting the balance of the intermediate money to zero is performed. It is in the program to be executed.

Further, the seventh aspect of the present disclosure is
A program that executes information processing in an information processing device.
The information processing device
With the communication department
Secure memory with a balance recording area compatible with electronic money,
Has a data processing unit
The program is installed in the data processing unit.
In response to a request from the management server via the communication unit
It is in a program that executes a process of updating the balance of the secure memory corresponding to electronic money.

The program of the present disclosure is, for example, a program that can be provided by a storage medium or a communication medium that is provided in a computer-readable format to an information processing device or a computer system that can execute various program codes. By providing such a program in a computer-readable format, processing according to the program can be realized on an information processing device or a computer system.

Still other objectives, features and advantages of the present disclosure will be clarified by more detailed description based on the examples of the present disclosure and the accompanying drawings described below. In the present specification, the system is a logical set configuration of a plurality of devices, and the devices having each configuration are not limited to those in the same housing.

According to the configuration of one embodiment of the present disclosure, a configuration that enables electronic money remittance processing between user terminals is realized.
Specifically, for example, a remittance user terminal such as a remittance side smartphone transmits the remittance source electronic money designation information, the remittance destination and the remittance amount to the management server, and the remittance server inputs the remittance from the remittance user terminal. According to the amount of money, the balance recorded in the secure memory of the remittance user terminal is updated to the balance obtained by subtracting the remittance amount, and the remittance amount is held as intermediate money corresponding to the deposit. Furthermore, the balance recorded in the secure memory of the receiving user terminal specified by the remittance destination input from the remittance user terminal is updated to the balance to which the remittance amount is added, and the intermediate money balance is set to zero. And realize the remittance processing between user terminals.
With this configuration, a configuration that enables electronic money remittance processing between user terminals is realized.
The effects described in the present specification are merely exemplary and not limited, and may have additional effects.

It is a figure explaining the structural example of the information processing system of this disclosure. It is a figure explaining the example of the card application in a user terminal such as a smartphone owned by a user. It is a figure explaining the structure of the secure memory in a user terminal. It is a figure explaining the configuration and processing of a management server. It is a figure explaining the configuration example of the user account information database. It is a figure explaining the configuration example of the remittance information (intermediate money information) database. It is a figure explaining the relationship between the user account information database and the remittance information (intermediate money information) database. It is a figure explaining the processing example in the remittance user terminal. It is a figure explaining the processing example in the receiving user terminal. It is a figure explaining the processing example in the receiving user terminal. It is a figure explaining the processing example in the receiving user terminal. It is a figure explaining the processing example in the receiving user terminal. It is a figure explaining the processing example in the remittance user terminal. It is a sequence diagram explaining the processing sequence between a user terminal and a management server. It is a sequence diagram explaining the processing sequence between a user terminal and a management server. It is a figure explaining the configuration example of the smartphone which is an information processing apparatus. It is a figure explaining the configuration example of the information processing apparatus such as a server.

Hereinafter, the details of the information processing apparatus, the information processing system, the information processing method, and the program of the present disclosure will be described with reference to the drawings. The explanation will be given according to the following items.
1. 1. Regarding the configuration example of the information processing system of the present disclosure 2. About the usage configuration of electronic money applications by user terminals 3. Remittance processing control between user terminals executed by the management server 4. Details of remittance processing using the user terminal 4-1. (Processing Example 1) Example of remittance processing in which the remittance user terminal and the receiving user terminal use the same type of electronic money 4-2. (Processing example 2) Example of remittance processing using different types of electronic money for the remittance user terminal and the receiving user terminal 4-3. (Processing example 3) Processing example when the balance of electronic money on the receiving user terminal exceeds the upper limit due to the remittance process. 6. Regarding a processing example that specifies the type of electronic money on the receiving side on the remittance side. About the whole sequence of remittance processing between user terminals 7. About the configuration example of the information processing device 8. Summary of the structure of this disclosure

[1. About the configuration example of the information processing system of the present disclosure]
First, a configuration example of the information processing system of the present disclosure will be described with reference to FIGS. 1 and 1 and below.
FIG. 1 is a diagram showing a configuration example of the information processing system of the present disclosure.
A large number of users Ua, Ub, Uc, ... Own user terminals a to c ..., 20a to 20c ..., such as smartphones, respectively.

An electronic money application is installed on each user terminal 20a to 20c, and is in a usable state.
The electronic money application provides the same functions as an IC card issued by, for example, a transportation IC card or a supermarket.
Here, it is assumed that the application installed on each user terminal is a prepaid type application that can be used within the range of the amount charged in advance by the user.
It is assumed that the upper limit of the charge amount is set to a relatively low amount, for example, about 20,000 to 30,000 yen.

As shown in the figure, the user terminals 20a to 20c ... Are connected to the management server 10 and the service providers SPA to SPn, 30a to 30n via a network, and these have a configuration capable of communicating with each other. ..

Service providers SPA to SPn, 30a to 30n services are service providers that provide services for electronic money applications. Specifically, for example, a service provider that provides services related to transportation IC cards, a service provider that provides services related to IC cards issued by supermarkets, and the like.

Each of the service providers SPA to SPn and 30a to 30n has a configuration capable of communicating with the management device of the store or ticket gate reader / writer managed by each service provider, and is a user terminal owned by each user Ua to Uc. Manage the usage status of 20a to 20c.

The management server 10 manages the remittance process between the user terminals 20a to 20c ... owned by each user Ua to Uc.
That is, the update process of the charge amount recorded in the storage unit of the user terminal is performed only by the communication between the management server 10 user and the terminals 20a to 20c, without using the store managed by the service provider or the reader / writer of the ticket gate. Is executed to enable remittance processing between each user terminal. The details of this process will be described later.

[2. About the usage configuration of electronic money applications by user terminals]
Next, the usage configuration of the electronic money system application installed on the user terminals 20a to 20c ... owned by each user Ua to Uc ... will be described.

FIG. 2 is a diagram showing an example of an electronic money system application installed on a user terminal 20 of a certain user.
As shown in FIG. 2, a plurality of different electronic money-based applications are installed on the user terminal 20 such as a smartphone.
FIG. 2 shows an example in which the following four types of electronic money applications are installed.
Transportation IC card A compatible app 21A
Transportation IC card B compatible app 21B
Distribution system IC card P compatible application 21P
Distribution system IC card Q compatible application 21Q

These are electronic money apps provided by different service providers. The user brings a user terminal 20 such as a smartphone close to a reader / writer provided in a store or a ticket gate managed by each service provider to perform proximity communication. The reader / writer performs a process of deducting a predetermined charge from the charge amount recorded in the memory in the user terminal 20. That is, the charge amount is rewritten.

FIG. 3 shows a configuration example of the secure memory 22 configured in the user terminal 20.
As shown in FIG. 3, the secure memory 22 is provided with an electronic money balance recording area for recording balance information (= current charge amount) corresponding to the electronic money system application provided by each service provider.

The example shown in FIG. 3 is an example of the secure memory 22 in which four electronic money balance recording areas corresponding to each of the four electronic money-based applications described with reference to FIG. 2 are set.
The electronic money A balance recording area 22A is a balance information recording area corresponding to the transportation IC card A compatible application 21A.
The electronic money B balance recording area 22B is a balance information recording area corresponding to the transportation IC card B compatible application 21B.
The electronic money P balance recording area 22P is a balance information recording area corresponding to the distribution system IC card P compatible application 21P.
The electronic money Q balance recording area 22Q is a balance information recording area corresponding to the distribution system IC card Q compatible application 21Q.

As described above, the user terminal 20 has a secure memory 22 in which an electronic money balance recording area for individually recording balance information (= current charge amount) corresponding to the electronic money system application provided by each service provider is set.

When the user terminal 20 such as a smartphone is brought close to the reader / writer provided in the store or ticket gate managed by each service provider, the reader / writer executes a process of rewriting the balance information in the balance recording area corresponding to the service provider.
By this process, it is possible to perform a predetermined usage fee reduction process, a charge process, and the like. These processes are processed for each service provider.

[3. Remittance processing control between user terminals executed by the management server]
Next, the remittance processing control between the user terminals executed by the management server 10 will be described.

As described above, the management server 10 executes the remittance process between the user terminals owned by each user. That is, the storage unit of the user terminal, that is, the secure memory 22 described with reference to FIG. 3 can be obtained only by communicating between the management server 10 user and the terminal without using the store managed by the service provider or the reader / writer of the ticket gate. The recorded balance information (= charge amount) is rewritten (updated) to perform remittance processing between each user terminal.

FIG. 4 is a block diagram showing the configuration of the management server 10.
The management server 10 has various configurations other than the configuration shown in FIG. 4, but the configuration shown in FIG. 4 extracts only the configuration required for the remittance process between the user terminals of the present disclosure. It is a block diagram shown.

As shown in FIG. 4, the management server 10 has a communication unit 11, a data processing unit 12, a user account information database 13, and a remittance information (intermediate money information) database 14.

The communication unit 11 executes communication with the user terminal that executes the remittance process.
Here, the user terminal of the remittance source will be referred to as the user terminals a and 20a owned by the user Ua, and the user terminal of the remittance destination will be described as the user terminals b and 20b owned by the user Ub.
The communication unit 11 communicates with the user terminals of both the user terminals a and 20a and the user terminals b and 20b.

The data processing unit 12 executes data processing related to remittance processing between user terminals.
The user account information database 13 is a database (storage unit) that records account information of each user terminal.
The user who intends to execute the remittance process transmits the user information and the user terminal information to the management server 10 in advance. The management server 10 executes data recording processing for the user account information database 13 based on the information received from the user terminal 20.

The remittance information (intermediate money information) database 14 is a database (storage unit) that records remittance information (intermediate money information) in response to a remittance processing request from each user terminal.
When the management server 10 receives the remittance request from the user terminal 20, it receives data for recording in the remittance information (intermediate money information) database 14 from the remittance requester's user terminal 20, and remittance information based on the received data. (Intermediate money information) One entry data is recorded in the database 14.

With reference to FIGS. 5 and 6, a data configuration example of the user account information database 13 and the remittance information (intermediate money information) database 14 will be described.

First, a data configuration example of the user account information database 13 will be described with reference to FIG.
As shown in FIG. 5, the following data are recorded in association with each other in the user account information database 13.
(1a) User name (user ID)
(1b) User terminal identification information (user terminal ID)
(1c) Secure memory identifier (secure memory ID)
(1d) User account identification information (account ID)

(1a) In the user name (user ID), a user name or user ID as identification information of a user who owns a user terminal such as a smartphone is recorded.
In order to prevent duplicate user names from being registered, it is preferable to register the user name together with, for example, a telephone number or an e-mail address.

(1b) In the user terminal identification information (user terminal ID), an identifier (ID) of a user terminal such as a smartphone is recorded.

(1c) In the secure memory identifier (secure memory ID), the identifier (ID) of the secure memory configured in the user terminal such as a smartphone is recorded. As described above with reference to FIG. 3, the secure memory has a balance recording area corresponding to each electronic money application, and each of these areas is a reader / writer managed by a service provider corresponding to each electronic money. This is the area where balance rewriting is executed by communication with.

The secure memory identifier (secure memory ID) is information necessary for the management server 10 to access the secure memory of the user terminal 20.
The management server 10 accesses the secure memory of the user terminal 20, acquires the balance information corresponding to each electronic money, and further performs the rewriting process of the balance information. The details of this process will be described later.

(1d) The user account identification information (account ID) is an area for recording the account identification information (account ID) corresponding to each electronic money, as shown in FIG. Account identification information (account ID) corresponding to each available electronic money application of the user terminal is recorded.

Next, a data configuration example of the remittance information (intermediate money information) database 14 will be described with reference to FIG.
As shown in FIG. 6, the following data are recorded in association with each other in the remittance information (intermediate money information) database 14.
(2a) Remittance user terminal ID & secure memory ID & account ID
(2b) Remittance deposit amount (intermediate money amount)
(2c) Remittance destination (user name)
(2d) Remittance processing status (2e) Remittance history information (remittance date and time, remittance amount, remittance destination (user terminal ID-account ID))

As described above, when the management server 10 receives the remittance request from the user terminal 20, it receives the data to be recorded in the remittance information (intermediate money information) database 14 from the user terminal 20 of the remittance requester, and receives the received data. One entry data is recorded in the remittance information (intermediate money information) database 14 based on the above.
Each entry shown in FIG. 6 is entry data corresponding to an individual remittance request.

(2a) The remittance user terminal ID & secure memory ID & account ID are the identifier of the remittance source user terminal (user terminal ID) owned by the remittance request user who requested the remittance process and the identifier of the zecure memory (secure memory ID). This is an area for recording account identification information (account ID) corresponding to electronic money of the terminal.

The remittance request user specifies an account corresponding to one electronic money application and executes the remittance process.
For example, when a part of the balance of the transportation electronic money A compatible application is to be remitted to another user, the remittance process is executed by designating the transportation electronic money A compatible application. The management server 10 receives the user terminal ID, the secure memory ID, and the account ID corresponding to the electronic money application specified by the user from the remittance source user terminal used by the remittance requesting user, and receives the remittance information (intermediate money). Information) Record in the database 14.
This specific process will be described later.

(2b) The remittance deposit amount (intermediate money amount) is the amount information specified by the remittance requesting user as the remittance amount.
The management server 10 records the remittance amount information specified by the remittance requesting user in the remittance information (intermediate money information) database 14.

(2c) The remittance destination (user name) is the remittance destination user name information specified by the remittance requesting user as the remittance destination. The management server 10 records the remittance destination user name specified by the remittance requesting user in the remittance information (intermediate money information) database 14.

(2d) The remittance processing status is an area for recording the execution status of the remittance processing requested by the remittance requesting user. The status of remittance completed, unprocessed, partial remittance, etc. is recorded.

(2e) Remittance processing history information is recorded in the remittance history information (remittance date and time, remittance amount, remittance destination (user terminal ID-account ID)).
The date and time when the remittance process was executed, the remittance amount, and the remittance destination (user terminal ID-account ID) are recorded.

The entries recorded in the remittance information (intermediate money information) database 14 described with reference to FIG. 6 are data corresponding to one remittance request.
Each of these entries is an entry associated with one account in the user account information database 13 described with reference to FIG.

As shown in FIG. 7, each entry in the remittance information (intermediate money information) database 14 is associated with one account in the user account information database 13.
Specifically, the user terminal ID, secure memory ID, and account ID of the remittance requesting user recorded in "(2a) Remittance user terminal ID & secure memory ID & account ID" of the remittance information (intermediate money information) database 14 Based on, one account entry in the user account information database 13 is identified.

That is, one data entry recorded in the remittance information (intermediate money information) database 14 is always associated with one account entry in the user account information database 13, and the user terminal of the remittance requesting user and the secure memory. , It is data that can identify the account.

The management server 10 executes the remittance process in units of one data entry recorded in the remittance information (intermediate money information) database 14. This remittance process is executed with reference to the data recorded in the remittance information (intermediate money information) database 14 and the data recorded in the user account information database 13.

[4. Details of remittance processing using user terminals]
Next, the details of the remittance process using the user terminal will be described.

The details of the remittance process using the user terminal will be described with reference to FIG. 8 and the following.
The following plurality of processing examples will be described in sequence.
(Processing example 1) Remittance processing example in which the remittance user terminal and the receiving user terminal use the same type of electronic money (Processing example 2) Remittance processing example in which the remittance user terminal and the receiving user terminal use different types of electronic money (Processing) Example 3) Processing example when the balance of electronic money on the receiving user terminal exceeds the upper limit due to remittance processing

[4-1. (Processing example 1) Remittance processing example in which the remittance user terminal and the receiving user terminal use the same type of electronic money]

First, as (Processing Example 1), a remittance processing example in which the remittance user terminal and the receiving user terminal use the same type of electronic money will be described.

FIG. 8 shows the transition of the display data (UI) of the remittance user terminal 20a owned by the remittance user Ua requesting the remittance process.

First, the remittance user Ua connects to the management server 10 using the remittance user terminal 20a owned by the remittance user Ua. It is assumed that the remittance user Ua has executed user registration in advance using the user terminal 20a. That is, it is assumed that the data to be registered in the user account information database 13 has already been provided to the management server 10 and the data is registered in the user account information database 13.

For example, the user terminal 20a and the management server 10 are connected by launching the remittance processing execution application provided by the management server 10 at the time of registering the user information. The UI (display screen) shown in FIG. 8 (step S01) is displayed as the initial screen for starting the application.

At the time of starting the remittance processing execution application on the user terminal 20a, the user terminal 20a and the management server 10 are connected, and the user terminal identification information (user terminal ID) is transmitted from the user terminal 20a to the management server 10. To.
The management server 10 confirms whether or not the user terminal identification information (user terminal ID) received from the user terminal 20a is registered in the user account information database 13. If it is not registered, an error message is notified and the process of step S01 or lower is not executed.

Only when the user terminal identification information (user terminal ID) received from the user terminal 20a is registered in the user account information database 13, the process of step S01 or less is executed.
Hereinafter, the processing of each step shown in FIG. 8 will be sequentially described.

(Step S01)
First, at the start of the remittance process, the following message is displayed on the user terminal 20a.
"Please specify the person to send money to"
"Enter the user name of the remittance destination. The following messaging app is also available."

This initial screen is a screen that displays a message for the remittance requesting user to specify the remittance destination.
For example, it is possible to use the user information registered as the message transmission destination in the message application used by the user as it is, and the activation icons of a plurality of message applications are displayed together.
Here, an example in which the remittance request user directly inputs the remittance destination will be described.

(Step S02)
When the remittance request user directly inputs the remittance destination, the screen shown in FIG. 8 (S02) is displayed.
The user inputs the remittance destination user name in the remittance destination user name input field and sends the remittance.
This transmission process is executed from the remittance user terminal 20a to the management server 10.

The management server 10 confirms whether or not the remittance destination user name received from the remittance user terminal 20a is registered in the user account information database 13.
If it is not registered, an error message is notified to the remittance user terminal 20a.

When a plurality of the same user names are registered in the user account information database 13, the management server 10 further inputs the telephone number, e-mail address, etc. of the remittance destination user.

That is, the management server 10 causes the remittance request user to input information that can identify one entry registered in the user account information database 13 held by the management server 10.

When the management server 10 can identify one user-corresponding entry registered in the user account information database 13 held by the management server 10 as the remittance destination, the process of step S03 and the following is executed.

(Step S03)
Next, in step S03, the remittance request user Ua selects the electronic money of the remittance source, inputs the remittance amount, and transmits the remittance to the management server 10.

The electronic money that can be used by the remittance requesting user Ua for the remittance processing is the electronic money corresponding to the electronic money application installed on the remittance user terminal 20a.
On the remittance user terminal 20a, the names of these available electronic money applications and the remittance amount input fields corresponding to each application are displayed.

The remittance request user Ua selects one from the electronic money displayed on the remittance user terminal 20a, inputs the remittance amount in the remittance amount input field corresponding to the selected electronic money, and transmits the remittance.
This transmission process is executed from the remittance user terminal 20a to the management server 10.

In the process of transmitting the remittance amount information, the remittance user terminal 20a transmits the electronic money designation information of the remittance source and the remittance amount information to the management server 10.

The management server 10 executes the remittance process based on the electronic money designation information of the remittance source and the remittance amount information received from the remittance user terminal 20a, and the remittance destination user identification information received in step S02.

Specifically, the balance update process of subtracting the remittance amount from the electronic money balance record information corresponding to the electronic money designated as the remittance source in the secure memory of the remittance user terminal 20a and changing to a new balance is executed. ..
On the other hand, a notification message that a remittance processing request has been made is sent to the remittance destination user designated as the remittance destination.

(Step S04)
Next, the management server 10 notifies the remittance user terminal 20a of the remittance completion message in step S04.

That is, as shown in FIG. 8 (step S04), a remittance processing completion message including the name of the remittance source electronic money and the remittance amount is notified to the remittance user terminal 20a and displayed.

At this point, the remittance process is not completed, and the remittance amount from the remittance requesting user Ua, that is, the amount subtracted from the electronic money balance of the remittance user terminal, is temporarily deposited by the management server 10. It becomes money (intermediate money).

Next, with reference to FIG. 9, it is displayed on the receiving user terminal 20b during the communication process between the receiving user terminal 20b, which is the user terminal of the receiving user Ub designated as the remittance destination by the transmission requesting user Ua, and the management server 10. The screen and processing sequence will be explained.

(Step S11)
The management server 10 notifies the receiving user terminal 20b of the receiving user Ub of a message.

(Step S12)
When the receiving user Ub opens the message, the message as shown in step S12 is displayed.
That is,
The user name of the remittance request user and
The name of the electronic money used for remittance processing and
Remittance amount,
These data and the receipt processing execution button are displayed.

Note that this message display process and the process described below are processes executed by the remittance processing execution application installed on the receiving user terminal 20b of the receiving user Ub.

When the receiving user Ub touches the receiving processing execution button, the processing of step S13 or less shown in FIG. 10 is executed.

(Step S13)
When the receiving user Ub touches the receiving processing execution button on the display screen of step S12, the name of the electronic money that the receiving user Ub can deposit and the current balance information are displayed in step S13.

These balance information is data acquired from the secure memory of the receiving user terminal 20b by the remittance processing execution application executed on the receiving user terminal 20b. As described above with reference to FIG. 3, the secure memory 22 records the balance information corresponding to each electronic money.

The remittance processing execution application executed on the receiving user terminal 20b reads and displays the balance of each electronic money from the secure memory.

The receiving user Ub selects and specifies the electronic money to receive the remittance amount on the display screen of step S13, and touches the deposit button.
The example shown in FIG. 10 (S13) shows an example in which the electronic money B is selected.

When the receiving user Ub selects the electronic money to receive the remittance amount and touches the deposit button, the receiving user terminal 20b sends the receiving electronic money designation information of the remittance amount to the management server 10.

The management server 10 receives the deposit (intermediate money) that was temporarily deposited at the time of processing the remittance request from the remittance user terminal 20a in accordance with the receiving electronic money designation information of the remittance amount received from the receiving user terminal 20b. Performs a remittance process to convert to the balance of designated electronic money of the user terminal 20b.

Specifically, a balance update process is executed in which an amount corresponding to the remittance amount from the remittance user terminal 20a is added to the balance of the designated electronic money of the receiving user terminal 20b. Further, the process of setting the deposit (intermediate money) of the management server 10 corresponding to the remittance amount from the remittance user terminal 20a to 0 is executed.
After these processes, the process proceeds to step S14.

(Step S14)
In step S14, the management server 10 notifies the receiving user terminal 20b of the payment processing completion message.

As shown in FIG. 10 (S14), a message indicating that the deposit processing is completed and the balance information of each electronic money after the deposit processing are displayed.

In this way, the remittance process from the electronic money B of the remittance user terminal 20a to the electronic money B of the receiving user terminal 20b is completed.

[4-2. (Processing example 2) Remittance processing example using different types of electronic money for the remittance user terminal and the receiving user terminal]
Next, as (Processing Example 2), a remittance processing example using different types of electronic money for the remittance user terminal and the receiving user terminal will be described.

In the remittance process between the user terminals described with reference to FIGS. 8 to 10 described as (Processing Example 1), 12,000 yen is withdrawn from the electronic money B of the remittance user terminal 20a, and the electronic money of the receiving user terminal 20b is drawn. It is a process of depositing 12,000 yen into money B.
In the process of the present disclosure, the management server 10 can perform not only the remittance process between the same type of electronic money but also the remittance process between different types of electronic money.

An example of a screen (UI) displayed on the receiving user terminal 20b of the receiving user Ub will be described with reference to FIG. 11 when performing remittance processing between different types of electronic money.

Steps S13b to 14b shown in FIG. 11 are processing examples executed in place of steps S13 to S14 described with reference to FIG.
After the remittance processing in the remittance user terminal 20a described with reference to FIG. 8 and the processing of the first half (steps S11 to S12) in the receiving user terminal 20b described with reference to FIG. 9 are executed, FIG. 10 Instead of steps S13 to 14 shown in FIG. 11, steps S13b to S14b shown in FIG. 11 are executed.

Steps S13b to S14b shown in FIG. 11 are processes in which 12,000 yen is withdrawn from the electronic money B of the remittance user terminal 20a and 12,000 yen is deposited in the electronic money R of the receiving user terminal 20b.

When the receiving user Ub touches the receiving processing execution button on the display screen of (step S12) described with reference to FIG. 9, the processing of step S13b or less shown in FIG. 11 is executed.

(Step S13b)
When the receiving user Ub touches the receiving processing execution button on the display screen of step S12, the name of the electronic money that the receiving user Ub can deposit and the current balance information are displayed in step S13b.

The receiving user Ub selects and specifies the electronic money to receive the remittance amount on the display screen of step S13b, and touches the deposit button.
The example shown in FIG. 11 (S13b) shows an example in which the electronic money R is selected.

That is, 12,000 yen withdrawn from the electronic money B of the remittance user terminal 20a is deposited into the electronic money R of the receiving user terminal 20b.

When the receiving user Ub selects the electronic money R to receive the remittance amount and touches the deposit button, the receiving user terminal 20b sends the remittance amount receiving electronic money designation information to the management server 10. ..

The management server 10 previously received a remittance request from the remittance user terminal 20a according to the receiving electronic money designation information (electronic money R) of the remittance amount received from the receiving user terminal 20b, and the deposit (intermediate money) that was temporarily deposited. ) Is converted into the balance of the designated electronic money (electronic money R) of the receiving user terminal 20b.

Specifically, a balance update process is executed in which an amount corresponding to the remittance amount from the remittance user terminal 20a is added to the balance of the designated electronic money (electronic money R) of the receiving user terminal 20b. Further, the process of setting the deposit (intermediate money) of the management server 10 corresponding to the remittance amount from the remittance user terminal 20a to 0 is executed.
After these processes, the process proceeds to step S14b.

(Step S14b)
In step S14b, the management server 10 notifies the receiving user terminal 20b of the payment processing completion message.

As shown in FIG. 11 (S14b), a message indicating that the deposit processing is completed and the balance information of each electronic money after the deposit processing are displayed.
The balance of the electronic money R for which the deposit processing has been executed is displayed increased by 12,000 yen, which is the remittance amount.

In this way, the remittance process from the electronic money B of the remittance user terminal 20a to the different electronic money R of the receiving user terminal 20b is completed.

[4-3. (Processing example 3) Processing example when the balance of electronic money on the receiving user terminal exceeds the upper limit due to remittance processing]
Next, as (Processing Example 3), a processing example in which the balance of electronic money of the receiving user terminal exceeds the upper limit due to the remittance processing will be described.

As described above, the electronic money system application is an application that provides the same function as an IC card issued by, for example, a transportation system IC card or a supermarket, and the upper limit of the charge amount is a relatively low amount, for example, 20. It is set at 000 yen.

When the remittance amount from the remittance user terminal 20a is deposited in the electronic money of the receiving user terminal 20b and exceeds the upper limit amount, the remittance cannot be performed.
In such a case, the management server 10 divides the remittance amount from the remittance user terminal 20a and deposits the remittance amount into the electronic money of the receiving user terminal 20b.

Specifically, the management server 10 first deposits only a part of the remittance amount from the remittance user terminal 20a, that is, a part amount up to the maximum charge amount of the electronic money of the receiving user terminal 20b.
After that, as in the so-called auto-charge process, when the balance (charge amount) of the electronic money of the receiving user terminal 20b reaches a predetermined amount (auto-charge execution amount), the charge upper limit of the electronic money of the receiving user terminal 20b is reached. Make a deposit up to the amount. Depending on the amount of money, this auto charge process may be executed not only once but also a plurality of times.

An example of a screen (UI) displayed on the receiving user terminal 20b of the receiving user Ub when executing such an auto charge will be described.

Steps S13c to 14c shown in FIG. 12 are processing examples executed in place of steps S13 to S14 described with reference to FIG.
After the remittance processing in the remittance user terminal 20a described with reference to FIG. 8 and the processing of the first half (steps S11 to S12) in the receiving user terminal 20b described with reference to FIG. 9 are executed, FIG. 10 Instead of steps S13 to 14 shown in FIG. 12, steps S13c to S14c shown in FIG. 12 are executed.

Steps S13c to S14c shown in FIG. 12 are settings for withdrawing 12,000 yen from the electronic money B of the remittance user terminal 20a and depositing 12,000 yen into the electronic money A of the receiving user terminal 20b.
However, the upper limit of the charge of the electronic money A is 20,000 yen, and the balance of the electronic money A of the receiving user terminal 20b is 18,000 yen.

When the receiving user Ub touches the receiving processing execution button on the display screen of (step S12) described with reference to FIG. 9, the processing of step S13c or less shown in FIG. 12 is executed.

(Step S13c)
When the receiving user Ub touches the receiving processing execution button on the display screen of step S12, the name of the electronic money that the receiving user Ub can deposit and the current balance information are displayed in step S13c.

The receiving user Ub selects and specifies the electronic money to receive the remittance amount on the display screen of step S13c, and touches the deposit button.
The example shown in FIG. 12 (S13c) shows an example in which the electronic money A is selected.

That is, 12,000 yen withdrawn from the electronic money B of the remittance user terminal 20a is deposited into the electronic money A of the receiving user terminal 20b.

However, the charge upper limit of the electronic money A is 20,000 yen, and the current balance of the electronic money A of the receiving user terminal 20b is 18,000 yen.
Therefore, the amount of additional deposit that can be made to the electronic money A of the receiving user terminal 20b is 2,000 yen.

When the receiving user Ub selects the electronic money A to receive the remittance amount and touches the deposit button, the receiving user terminal 20b sends the remittance amount receiving electronic money designation information to the management server 10. ..

The management server 10 previously received a remittance request from the remittance user terminal 20a according to the receiving electronic money designation information (electronic money A) of the remittance amount received from the remittance user terminal 20b, and the deposit (intermediate money) that was temporarily deposited. ) Is converted into the balance of the designated electronic money (electronic money A) of the receiving user terminal 20b.

However, the current balance of the electronic money A of the receiving user terminal 20b is 18,000 yen, and it is not possible to deposit all the remittance amount of 12,000 yen at once.

In this case, the management server 10 reaches a part of the remittance amount (12,000 yen) from the remittance user terminal 20a, that is, the amount until the maximum amount of electronic money charge (20,000 yen) of the receiving user terminal 20b is reached. Only deposit 2,000 yen.

After that, as in the so-called auto-charge process, when the balance (charge amount) of the electronic money of the receiving user terminal 20b reaches a predetermined amount (auto-charge execution amount), the charge upper limit of the electronic money of the receiving user terminal 20b is reached. Make a deposit up to the amount.

First, the remittance process is performed only for 2,000 yen, which is the amount until the maximum charge amount (20,000 yen) of the electronic money of the receiving user terminal 20b is reached. In this case, the designated electronic money (electronic) of the receiving user terminal 20b is performed. A balance update process is executed in which an amount of 2,000 yen, which corresponds to a part of the remittance amount from the remittance user terminal 20a, is added to the balance of the money A). Further, the deposit (intermediate money) of the management server 10 corresponding to the remittance amount from the remittance user terminal 20a is reduced by 2,000 yen.
Execute the process to set the deposit (intermediate money) = 10,000 yen.
After these processes, the process proceeds to step S14c.

The management server 10 sets the deposit (intermediate money) = 10,000 yen as the auto charge amount. That is, when the balance (charge amount) of the electronic money A of the receiving user terminal 20b reaches a predetermined amount (auto charge execution amount), the deposit (intermediate money) = 10,000 yen is used to receive the money. The payment process (auto charge) up to the charge upper limit amount of the electronic money A of the user terminal 20b is performed. This auto charge may be performed in a plurality of times.

(Step S14c)
In step S14c, the management server 10 notifies the receiving user terminal 20b of the partial payment processing completion message.

As shown in FIG. 12 (S14c), the deposit process is completed for only a part (2,000 yen) of the remittance amount (12,000 yen), and the balance is a message indicating that the auto charge is set and the deposit. The balance information of each electronic money after processing and the auto charge amount are displayed.
The balance of the electronic money A for which the deposit processing has been executed is set to the upper limit of the charge balance of 20,000 yen, and the amount (10,000 yen) corresponding to the unpaid amount in the remittance amount (12,000 yen) is set. It is displayed that it has been set as the auto charge amount.

In this way, the partial remittance process from the electronic money B of the remittance user terminal 20a to the different electronic money A of the receiving user terminal 20b is completed.

After the partial payment processing, the management server 10 reaches the electronic money of the receiving user terminal 20b when the balance (charge amount) of the electronic money A of the receiving user terminal 20b reaches a predetermined amount (auto charge execution amount). Make a deposit up to the maximum charge amount of A.
Further, a process of reducing the amount corresponding to the deposit amount from the deposit (intermediate money) of the management server 10 is performed.
The management server 10 repeatedly executes this process until the deposit (intermediate money) of the management server 10 becomes zero.

When the deposit (intermediate money) of the management server 10 becomes 0, the remittance process from the remittance user terminal 20a to the receiving user terminal 20b is completed.

[5. About a processing example that specifies the type of electronic money on the receiving side on the remittance side]
Next, a processing example for specifying the type of electronic money on the receiving side on the remittance side will be described.

In the remittance processing example using the remittance user terminal 20a described above with reference to FIG. 8, the user name of the receiving user is specified, but the type of electronic money for which the receiving user performs the deposit processing is not specified. Met.

In (Processing Example 1) to (Processing Example 3) described above, as described with reference to FIGS. 9 to 12, the receiving user Ub deposits the remittance amount on the receiving user terminal 20b in any of the processing examples. The process of specifying the type of electronic money was performed.

The management server 10 received the designated information of the electronic money to be deposited from the receiving user terminal 20b, and executed the deposit process for the designated electronic money according to the received electronic money designation information.

In this way, as a method other than the process of designating the electronic money to be deposited by the receiving user, it is possible to process the remittance user to specify the type of electronic money to be deposited on the receiving side.

With reference to FIG. 13, a processing sequence on the remittance user terminal 20a side when the remittance side user specifies the type of electronic money to be deposited on the remittance side will be described.
FIG. 13 shows the transition of the display data (UI) of the remittance user terminal 20a owned by the remittance user Ua requesting the remittance processing, as described above with reference to FIG.

For example, the user terminal 20a and the management server 10 are connected by launching the remittance processing execution application provided by the management server 10 at the time of registering the user information. The UI (display screen) shown in FIG. 13 (step S31) is displayed as the initial screen for starting the application.

At the time of starting the remittance processing execution application on the user terminal 20a, the user terminal 20a and the management server 10 are connected, and the user terminal identification information (user terminal ID) is transmitted from the user terminal 20a to the management server 10. To.
The management server 10 confirms whether or not the user terminal identification information (user terminal ID) received from the user terminal 20a is registered in the user account information database 13. If it is not registered, an error message is notified and the processing of step S31 and subsequent steps is not executed.

Only when the user terminal identification information (user terminal ID) received from the user terminal 20a is registered in the user account information database 13, the process of step S31 or less is executed.
Hereinafter, the processing of each step shown in FIG. 13 will be sequentially described.

(Step S31)
First, at the start of the remittance process, the following message is displayed on the user terminal 20a.
"Please specify the person to send money to"
"Enter the user name and electronic money type of the remittance destination. The following messaging app is also available."

This initial screen is displayed to the remittance requesting user as remittance destination specification information.
(1) Remittance destination user name,
(2) Types of electronic money to be remitted This is a screen displaying a message for specifying these.
For example, it is possible to use the user information registered as the message transmission destination in the message application used by the user as it is, and the activation icons of a plurality of message applications are displayed together.
Here, an example in which the remittance request user directly inputs the remittance destination will be described.

(Step S32)
When the remittance request user directly inputs the remittance destination, the screen shown in FIG. 8 (S32) is displayed.
The user can enter this remittance destination
(1) Remittance destination user name,
(2) Types of electronic money to be remitted Enter these and send.
The input data is transmitted from the remittance user terminal 20a to the management server 10.

The management server 10 confirms whether or not the remittance destination user name received from the remittance user terminal 20a and the type of the remittance destination electronic money are registered in the user account information database 13.
If it is not registered, an error message is notified to the remittance user terminal 20a.

When the management server 10 can identify one user-corresponding entry registered in the user account information database 13 held by the management server 10 as the remittance destination, the process of step S33 or the like is executed.

(Step S33)
Next, in step S33, the remittance request user Ua selects the electronic money of the remittance source, inputs the remittance amount, and transmits the remittance to the management server 10.

Specifically, the balance update process of subtracting the remittance amount from the electronic money balance record information corresponding to the electronic money designated as the remittance source in the secure memory of the remittance user terminal 20a and changing to a new balance is executed. ..
On the other hand, a notification message that a remittance processing request has been made is sent to the remittance destination user designated as the remittance destination.
At this point, the remittance process is not completed, and the remittance amount from the remittance requesting user Ua, that is, the amount subtracted from the electronic money balance of the remittance user terminal, is temporarily deposited by the management server 10. It becomes money (intermediate money).

(Step S34)
When the management server 10 completes the remittance process of the remittance amount specified in step S33 according to the remittance destination user name received from the remittance user terminal 20a and the type of the remittance destination electronic money in step S32, the management server 10 causes the remittance server 10. , In step S34, the remittance user terminal 20a is notified of the remittance completion message.

That is, as shown in FIG. 13 (step S34), a remittance completion message including the name of the electronic money of the remittance source, the remittance amount, and the type information of the electronic money of the remittance destination, that is, the receiving side is sent to the remittance user terminal 20a. Notify and display.

In this way, the process of specifying the type of electronic money to be deposited on the receiving side can be performed not only on the receiving side but also on the remittance side.

[6. About the entire sequence of remittance processing between user terminals]
Next, the entire sequence of remittance processing between user terminals will be described.

14 and 15 are sequence diagrams illustrating the entire sequence of remittance processing between user terminals.
From the left, the following devices are shown.
(1) Remittance user terminals a, 20a that execute remittance processing
(2) Management server 10 that executes control of remittance processing
(3) Receiving user terminals b, 20b that execute the receiving process of the remitted amount

The processes are sequentially executed from step S101 of FIG. 14 to steps S115a and b of FIG.
Hereinafter, the processing of each step will be described in sequence.

It is assumed that the remittance user terminals a and 20a that execute the processing according to this sequence and the owners of the receiving user terminals b and 20b both perform user registration in advance using each user terminal. To do. That is, the data to be registered in the user account information database 13 held by the management server 10 described above with reference to FIG. 5 has already been provided to the management server 10, and the data is registered in the user account information database 13. ..

Further, the remittance processing execution application provided from the management server 10 at the time of user information registration is installed in the remittance user terminals a and 20a and the receiving user terminals b and 20b. The remittance user terminals a and 20a and the receiving user terminals b and 20b execute the processing according to the sequence shown in FIGS. 14 and 15 by applying the remittance processing execution application.

(Step S101)
First, in step S101, the remittance request user of the remittance user terminals a and 20a inputs the remittance destination user name into the remittance user terminals a and 20a and transmits the remittance to the management server 10.

This process is, for example, the process described above as the process of FIGS. 8 (steps S01 to S02).
As described earlier as the process of FIG. 8 (step S01), the following message is displayed on the remittance user terminals a and 20a at the start of the remittance process.
"Please specify the person to send money to"

The remittance request user inputs the remittance destination user name into the remittance user terminals a and 20a according to this message and sends the remittance to the management server 10.

(Step S102)
In step S102, the management server 10 executes a database search in order to confirm whether or not the remittance destination user name received from the remittance user terminals a and 20a is registered in the user account information database 13. ..

If the remittance destination user name received from the remittance user terminals a and 20a is registered in the user account information database 13, step S103a is executed.
On the other hand, if the remittance destination user name received from the remittance user terminal 20a is not registered in the user account information database 13, step S103b is executed.

(Step S103a)
When the remittance destination user name received from the remittance user terminals a and 20a is registered in the user account information database 13, the management server 10 sends the remittance source electronic to the remittance user terminals a and 20a in step S103a. Requests the specified information of money and the amount of remittance.
As a result, the input screen (UI) described above in FIG. 8 (step S03) is displayed on the remittance user terminals a and 20a.

(Step S103b)
On the other hand, if the remittance destination user name received from the remittance user terminals a and 20a is not registered in the user account information database 13, the management server 10 causes an error with respect to the remittance user terminals a and 20a in step S103b. Notify the message.
In this case, the subsequent processing is not executed.

The remittance requesting user returns to step S101 and takes measures such as re-entering the remittance destination user name correctly.

(Step S104)
The process of step S104 is executed after the process of step S103a is executed.
That is, in step S103a, it is a process after the management server 10 requests the remittance user terminals a and 20a to input the designated information of the remittance source electronic money and the remittance amount.

In step S104, the remittance requesting user inputs the designated information of the remittance source electronic money and the remittance amount into the remittance user terminals a and 20a, and transmits the remittance to the management server 10.

This process corresponds to the process described above with reference to FIG. 8 (step S03).
The electronic money that can be used by the remittance requesting user for the remittance processing is the electronic money corresponding to the electronic money application installed on the remittance user terminals a and 20a.
As described above with reference to FIG. 8 (step S03), the names of these available electronic money apps and the remittance amount input fields corresponding to each app are displayed on the remittance user terminals a and 20a. ..

The remittance request user selects one from the electronic money displayed on the remittance user terminals a and 20a, inputs the remittance amount in the remittance amount input field corresponding to the selected electronic money, and transmits the remittance.
This transmission process is executed from the remittance user terminals a and 20a to the management server 10.

(Step S105)
Next, the management server 10 describes the following based on the electronic money designation information and the remittance amount information of the remittance source received from the remittance user terminals a and 20a in step S105 and the remittance destination user identification information received in step S101. Executes the processing of.

The secure memory of the remittance user terminals a and 20a is accessed, and the balance rewriting process for reducing the amount equivalent to the remittance amount from the balance of the remittance source electronic money is executed. Further, a new entry in which the user account ID, the remittance amount, etc. are recorded is additionally recorded in the remittance information (intermediate money) DB 14 of the management server 10.

(Step S106)
Next, in step S106, the management server 10 notifies the remittance user terminals a and 20a of the remittance completion message.

That is, as shown in FIG. 8 (step S04) described above, the remittance processing completion message including the name of the remittance source electronic money and the remittance amount is notified to the remittance user terminals a and 20a and displayed.

However, at this point, the remittance process is not completed, and the remittance amount from the remittance requesting user, that is, the amount subtracted from the electronic money balance of the remittance user terminal, is the deposit temporarily deposited by the management server 10. (Intermediate money).

(Step S111)
Next, in step S111, the management server 10 transmits a notification message that the remittance processing request has been made to the receiving user terminals b and 20b of the receiving user designated as the remittance destination.
This process corresponds to, for example, the process shown in FIG. 9 (step S11) above.

(Step S112)
When the receiving user opens the message received by the receiving user terminals b and 20b, the message described above in FIG. 9 (step S12) is displayed.
That is,
The user name of the remittance request user and
The name of the electronic money used for remittance processing and
Remittance amount,
These data and the receipt processing execution button are displayed.

The message display process and the process described below are processes executed by the remittance processing execution application installed on the receiving user terminals b and 20b of the receiving user.
When the receiving user touches the receiving processing execution button, the names of the electronic money that the receiving user can deposit and the current balance information are displayed on the receiving user terminals b and 20b.

These balance information is data acquired from the secure memory of the receiving user terminals b and 20b by the remittance processing execution application executed on the receiving user terminals b and 20b. As described above with reference to FIG. 3, the secure memory 22 records the balance information corresponding to each electronic money.

The remittance processing execution application executed on the receiving user terminals b and 20b reads and displays the balance of each electronic money from the secure memory.

(Step S113)
Next, in step S113, the receiving user selects necessary information, that is, electronic money for receiving the remittance amount, using the UI displayed on the receiving user terminals b and 20b, and transmits the selection information to the management server 10. ..

This process corresponds to the process described above with reference to FIG. 10 (step S13).
The example shown in FIG. 10 (S13) shows an example in which the electronic money B is selected.

When the receiving user selects the electronic money to receive the remittance amount and touches the deposit button, the receiving user terminals b and 20b send the receiving electronic money designation information of the remittance amount to the management server 10.

(Step S114)
In step S114, the management server 10 deposits money that was temporarily deposited at the time of processing the remittance request from the remittance user terminal 20a in accordance with the receiving electronic money designation information of the remittance amount received from the remittance user terminals b and 20b. The process of converting (intermediate money) into the balance of the designated electronic money of the receiving user terminal 20b is performed.

Specifically, a balance update process is executed in which an amount corresponding to the remittance amount from the remittance user terminal 20a is added to the balance of the designated electronic money of the receiving user terminal 20b. Further, the process of setting the deposit (intermediate money) of the management server 10 corresponding to the remittance amount from the remittance user terminal 20a to 0 is executed.

However, it is determined whether or not the charge upper limit of the deposit destination electronic money is exceeded by the deposit process, and if it does not exceed, the process of depositing the entire remittance amount is executed and step S115a is executed. If it exceeds the limit, the partial payment process is publicized and step S115b is executed.

If the charge limit of the deposit destination electronic money is not exceeded by the deposit process, the balance update process is added to the balance of the designated electronic money of the receiving user terminals b and 20b to the amount equivalent to the remittance amount from the remittance user terminals a and 20a. To execute. Further, the process of setting the deposit (intermediate money) of the management server 10 corresponding to the remittance amount from the remittance user terminals a and 20a to 0 is executed.
After these processes, the process of step S115a is executed.

On the other hand, if the charge limit of the deposit destination electronic money is exceeded by the deposit process, a part of the remittance amount from the remittance user terminals a and 20a is used until the balance of the designated electronic money of the receiving user terminals b and 20b reaches the charge upper limit. Execute the balance update process to be added.
Further, a process of reducing the deposit amount for the designated electronic money of the receiving user terminals b and 20b is executed from the deposit (intermediate money) of the management server 10 corresponding to the remittance amount from the remittance user terminals a and 20a.
After these processes, the process of step S115b is executed.

(Step S115a)
If the charge upper limit of the deposit destination electronic money is not exceeded by the deposit process, the management server 10 deposits the entire amount of the remittance amount into the designated electronic money of the receiving user terminals b and 20b, and then in step S115a, the receiving user terminal b, A payment processing completion notification and balance update information are sent to 20b.

As a result, for example, the display screen shown in FIG. 10 (step S14) described above is displayed on the receiving user terminals b and 20b.

(Step S115b)
On the other hand, when the charge upper limit of the deposit destination electronic money is exceeded by the deposit process, the management server 10 deposits a part of the remittance amount into the designated electronic money of the receiving user terminals b and 20b, and then in step S115b, the receiving user terminal. A partial payment processing completion notification, balance update information, and auto charge setting information are transmitted to b and 20b.

As a result, for example, the display screen shown in FIG. 12 (step S14c) described above is displayed on the receiving user terminals b and 20b.

In this way, the remittance process from the electronic money of the remittance user terminals a and 20a to the electronic money of the receiving user terminals b and 20b is completed.

[7. Information processing device configuration example]
Next, a configuration example of the information processing apparatus of the present disclosure will be described.
First, a configuration example of the information processing device 150 corresponding to a user terminal such as a smartphone will be described with reference to FIG.

As shown in FIG. 16, the information processing device 150 such as a smartphone has a control unit (microcomputer or the like) 151, an operation unit 152, a display unit 153, a secure memory 154, a memory 155, a clock 156, a first communication unit 170, and a second. It has a communication unit 180.

The first communication unit 170 includes a Bluetooth (registered trademark) communication unit 171, a Wi-Fi communication unit 172, and other communication units 173. The second communication unit 180 includes NFC-CLF181, near field communication means 182, and other communication units 183.

The control unit (microcomputer, etc.) 151 functions as a data processing unit executed by the information processing device 150. The control program, application, etc. executed by the control unit (microcomputer, etc.) 151 are stored in the memory 155.

The control unit (microcomputer, etc.) 151, which is a data processing unit, executes, for example, a process of updating the balance of the secure memory 153 corresponding to electronic money in response to a request from the management server via the communication unit.
The secure memory 153 has a configuration having a balance recording area corresponding to a plurality of different electronic money, and a control unit (microcomputer, etc.) 151, which is a data processing unit, selects a specific electronic money balance recording area specified by the user. And execute the balance update process.

Specifically, for example, in the case of a remittance user terminal that performs remittance processing, the control unit (microcomputer, etc.) 151, which is a data processing unit, transmits the remittance source electronic money designation information, the remittance destination, and the remittance amount via the communication unit. The transmission data including the data is transmitted to the management server, and a process of updating the balance of the secure memory 154 corresponding to the remittance source electronic money is executed in response to the request of the management server based on the transmission data.

Further, in the case of a receiving user terminal that executes receiving of the remittance amount, the control unit (microcomputer, etc.) 151, which is a data processing unit, supports one deposit destination electronic money from the secure memory 154 according to the deposit destination electronic money selected by the user. Select the balance recording area of, and execute the process of updating the balance of the selected balance recording area.

The operation unit 152 is an operation unit that can be operated by the user, and includes various switches as well as a touch panel and the like on the display unit 153. The user can input various information via the operation unit 152.

The display unit 153 is, for example, a display unit of a liquid crystal display or the like, and is used for displaying execution information of various applications.

The secure memory 154 records balance information and the like corresponding to each electronic money, as described above with reference to FIG.

As described above, the memory 155 records the control program, application, ID information, and the like executed by the control unit 151.
The clock 156 is clock information, and clock information is output to each processing unit.

The first communication unit 170 is composed of a Bluetooth (registered trademark) communication unit 171, a Wi-Fi communication unit 172, and other communication units 173, and is used for communication with an external device such as a server, a PC, a smartphone, or a wearable device. Will be done. The second communication unit 180 includes an NFC-CLF181, a near field communication means 182, and another communication unit 183, and performs communication processing with, for example, a reader / writer (R / W) 21.

NFC-CLF181 is NFC (Near Field Communication) -CLF (Contactless Front End) and is a kind of IC chip for short-range communication.

Next, a hardware configuration example of the management server will be described with reference to FIG.

The configuration shown in FIG. 17 will be described.
The CPU (Central Processing Unit) 301 functions as a control unit or a data processing unit that executes various processes according to a program stored in a ROM (Read Only Memory) 302 or a storage unit 308. For example, the process according to the sequence described in the above-described embodiment is executed. The RAM (Random Access Memory) 303 stores programs and data executed by the CPU 301. These CPU 301, ROM 302, and RAM 303 are connected to each other by a bus 304.

The CPU 301 is connected to the input / output interface 305 via the bus 304, and the input / output interface 305 is connected to an input unit 306 consisting of various switches, a keyboard, a mouse, a microphone, etc., and an output unit 307 consisting of a display, a speaker, and the like. There is. The CPU 301 executes various processes in response to a command input from the input unit 306, and outputs the process results to, for example, the output unit 307.

The storage unit 308 connected to the input / output interface 305 is composed of, for example, a flash memory, a hard disk, or the like, and stores a program executed by the CPU 301 and various data. The communication unit 309 functions as a transmission / reception unit for Wi-Fi communication, Bluetooth (registered trademark) (BT) communication, and other data communication via a network such as the Internet or a local area network, and communicates with an external device.

The drive 310 connected to the input / output interface 305 drives a removable medium 311 such as a magnetic disk, an optical disk, a magneto-optical disk, or a semiconductor memory such as a memory card, and records or reads data.

[8. Summary of the structure of this disclosure]
As described above, the examples of the present disclosure have been described in detail with reference to the specific examples. However, it is self-evident that one of ordinary skill in the art can modify or substitute the examples without departing from the gist of the present disclosure. That is, the present invention has been disclosed in the form of an example, and should not be construed in a limited manner. In order to judge the gist of this disclosure, the column of claims should be taken into consideration.

The technology disclosed in the present specification can have the following configuration.
(1) A communication unit that executes communication with the user terminal,
It has a data processing unit that executes remittance processing between user terminals.
The data processing unit
The process of inputting the remittance source electronic money designation information, the remittance destination and the remittance amount from the remittance user terminal owned by the remittance request user via the communication unit.
According to the remittance amount input from the remittance user terminal, the balance recorded in the secure memory of the remittance user terminal is updated to the balance obtained by subtracting the remittance amount, and the remittance amount is used as intermediate money corresponding to the deposit. The process to hold and
The process of updating the balance recorded in the secure memory of the receiving user terminal specified by the remittance destination input from the remittance user terminal to the balance to which the remittance amount is added and setting the balance of the intermediate money to zero is performed. Information processing device to execute.

(2) The data processing unit
According to the remittance source electronic money designation information input from the remittance user terminal, the remittance source electronic money balance recording area in the secure memory of the remittance user terminal is accessed, and the balance of the remittance source electronic money recorded in the secure memory is sent. The information processing apparatus according to (1), which executes a balance update process for rewriting to a new balance obtained by subtracting an amount.

(3) The data processing unit
According to the deposit destination electronic money designation information input from the receiving user terminal, the deposit destination electronic money balance recording area in the secure memory of the receiving user terminal is accessed, and the balance of the deposit destination electronic money recorded in the secure memory is sent. The information processing apparatus according to (1) or (2), which executes a balance update process for rewriting a new balance to which an amount has been added.

(4) The information processing device is
It has a user account information database that records information necessary to access the secure memory of the user terminal.
The data processing unit
The information processing device according to any one of (1) to (3), which executes access processing for a secure memory of a user terminal by using the recorded information of the user account information database.

(5) The information processing device is
It has a remittance information database that records remittance information.
The data processing unit
Information processing described in any of (1) to (4), in which an entry is added to the remittance information database in response to a remittance request from the remittance user terminal, and the recorded data is updated according to the execution status of the remittance process. apparatus.

(6) The data processing unit
The information processing device according to (5), which records the amount of intermediate money corresponding to the deposit of the remittance request unit in the remittance information database.

(7) The data processing unit
When the remittance amount is added to the balance recorded in the secure memory of the receiving user terminal specified by the remittance destination input from the remittance user terminal, it is determined whether or not the charge limit amount specified in advance is exceeded. ,
If it exceeds, a part of the remittance amount is added to update the balance within the charge limit specified in advance, and the remaining remittance amount is used as the balance of the intermediate money (1) to (6). ) The information processing device described in any of the above.

(8) The data processing unit
The information processing device according to (7), which executes an auto-charge process of the deposit destination electronic money of the receiving user terminal using the balance of the intermediate money.

(9) With the communication department
Secure memory with a balance recording area compatible with electronic money,
Has a data processing unit
The data processing unit
In response to a request from the management server via the communication unit
An information processing device that updates the balance of the secure memory corresponding to electronic money.

(10) The secure memory has a configuration having a balance recording area corresponding to a plurality of different electronic money.
The data processing unit
The information processing device according to (9), wherein a balance recording area of a specific electronic money designated by a user is selected and a balance update process is executed.

(11) The data processing unit is
The remittance source electronic money designation information and the transmission data including the remittance destination and the remittance amount are transmitted to the management server via the communication unit.
The information processing apparatus according to (9) or (10), which updates the balance of the secure memory corresponding to the remittance source electronic money in response to a request from the management server based on the transmission data.

(12) The data processing unit is
Described in any of (9) to (11), the balance recording area corresponding to one deposit destination electronic money is selected from the secure memory according to the deposit destination electronic money selected by the user, and the balance of the selected balance recording area is updated. Information processing equipment.

(13) An information processing system having a user terminal and a management server.
The remittance user terminal on the remittance side
Send the remittance source electronic money designation information, the remittance destination and the remittance amount to the management server,
The management server
According to the remittance amount input from the remittance user terminal, the balance recorded in the secure memory of the remittance user terminal is updated to the balance obtained by subtracting the remittance amount, and the remittance amount is used as intermediate money corresponding to the deposit. The process to hold and
The process of updating the balance recorded in the secure memory of the receiving user terminal specified by the remittance destination input from the remittance user terminal to the balance to which the remittance amount is added and setting the balance of the intermediate money to zero is performed. Information processing system to execute.

(14) The management server is
According to the remittance source electronic money designation information input from the remittance user terminal, the remittance source electronic money balance recording area in the secure memory of the remittance user terminal is accessed, and the balance of the remittance source electronic money recorded in the secure memory is sent. The information processing system according to (13), which executes a balance update process for rewriting to a new balance obtained by subtracting an amount.

(15) The management server is
According to the deposit destination electronic money designation information input from the receiving user terminal, the deposit destination electronic money balance recording area in the secure memory of the receiving user terminal is accessed, and the balance of the deposit destination electronic money recorded in the secure memory is sent. The information processing system according to (13) or (14), which executes a balance update process for rewriting a new balance by adding an amount of money.

(16) This is an information processing method executed in an information processing device.
The information processing device
A communication unit that executes communication with the user terminal,
It has a data processing unit that executes remittance processing between user terminals.
The data processing unit
The process of inputting the remittance source electronic money designation information, the remittance destination and the remittance amount from the remittance user terminal owned by the remittance request user via the communication unit.
According to the remittance amount input from the remittance user terminal, the balance recorded in the secure memory of the remittance user terminal is updated to the balance obtained by subtracting the remittance amount, and the remittance amount is used as intermediate money corresponding to the deposit. The process to hold and
The process of updating the balance recorded in the secure memory of the receiving user terminal specified by the remittance destination input from the remittance user terminal to the balance to which the remittance amount is added and setting the balance of the intermediate money to zero is performed. Information processing method to be executed.

(17) An information processing method executed in an information processing device.
The information processing device
With the communication department
Secure memory with a balance recording area compatible with electronic money,
Has a data processing unit
The data processing unit
In response to a request from the management server via the communication unit
An information processing method for updating the balance of the secure memory corresponding to electronic money.

(18) A program that executes information processing in an information processing device.
The information processing device
A communication unit that executes communication with the user terminal,
It has a data processing unit that executes remittance processing between user terminals.
The program is installed in the data processing unit.
The process of inputting the remittance source electronic money designation information, the remittance destination and the remittance amount from the remittance user terminal owned by the remittance request user via the communication unit.
According to the remittance amount input from the remittance user terminal, the balance recorded in the secure memory of the remittance user terminal is updated to the balance obtained by subtracting the remittance amount, and the remittance amount is used as intermediate money corresponding to the deposit. The process to hold and
The process of updating the balance recorded in the secure memory of the receiving user terminal specified by the remittance destination input from the remittance user terminal to the balance to which the remittance amount is added and setting the balance of the intermediate money to zero is performed. The program to be executed.

(19) A program that executes information processing in an information processing device.
The information processing device
With the communication department
Secure memory with a balance recording area compatible with electronic money,
Has a data processing unit
The program is installed in the data processing unit.
In response to a request from the management server via the communication unit
A program that executes a process of updating the balance of the secure memory corresponding to electronic money.

Further, the series of processes described in the specification can be executed by hardware, software, or a composite configuration of both. When executing processing by software, install the program that records the processing sequence in the memory in the computer built in the dedicated hardware and execute it, or execute the program on a general-purpose computer that can execute various processing. It can be installed and run. For example, the program can be pre-recorded on a recording medium. In addition to installing on a computer from a recording medium, it is possible to receive a program via a network such as LAN (Local Area Network) or the Internet and install it on a recording medium such as a built-in hard disk.

The various processes described in the specification are not only executed in chronological order according to the description, but may also be executed in parallel or individually as required by the processing capacity of the device that executes the processes. Further, in the present specification, the system is a logical set configuration of a plurality of devices, and the devices having each configuration are not limited to those in the same housing.

As described above, according to the configuration of one embodiment of the present disclosure, a configuration that enables electronic money remittance processing between user terminals is realized.
Specifically, for example, a remittance user terminal such as a remittance side smartphone transmits the remittance source electronic money designation information, the remittance destination and the remittance amount to the management server, and the remittance server inputs the remittance from the remittance user terminal. According to the amount of money, the balance recorded in the secure memory of the remittance user terminal is updated to the balance obtained by subtracting the remittance amount, and the remittance amount is held as intermediate money corresponding to the deposit. Furthermore, the balance recorded in the secure memory of the receiving user terminal specified by the remittance destination input from the remittance user terminal is updated to the balance to which the remittance amount is added, and the intermediate money balance is set to zero. And realize the remittance processing between user terminals.
With this configuration, a configuration that enables electronic money remittance processing between user terminals is realized.

10 Management server 11 Communication unit 12 Data processing unit 13 User account information database 14 Remittance information (intermediate money information) database 20 User terminal 22 Secure memory 30 Service provider 150 Information processing device 151 Control unit (microcomputer, etc.)
152 Operation unit 153 Display unit 154 Secure memory 155 Memory 156 Clock 170 1st communication unit 180 2nd communication unit 301 CPU
302 ROM
303 RAM
304 Bus 305 Input / output interface 306 Input unit 307 Output unit 308 Storage unit 309 Communication unit 310 Drive 311 Removable media

Claims

A communication unit that executes communication with the user terminal,
It has a data processing unit that executes remittance processing between user terminals.
The data processing unit
The process of inputting the remittance source electronic money designation information, the remittance destination and the remittance amount from the remittance user terminal owned by the remittance request user via the communication unit.
According to the remittance amount input from the remittance user terminal, the balance recorded in the secure memory of the remittance user terminal is updated to the balance obtained by subtracting the remittance amount, and the remittance amount is used as intermediate money corresponding to the deposit. The process to hold and
The process of updating the balance recorded in the secure memory of the receiving user terminal specified by the remittance destination input from the remittance user terminal to the balance to which the remittance amount is added and setting the balance of the intermediate money to zero is performed. Information processing device to execute.
The data processing unit
According to the remittance source electronic money designation information input from the remittance user terminal, the remittance source electronic money balance recording area in the secure memory of the remittance user terminal is accessed, and the balance of the remittance source electronic money recorded in the secure memory is sent. The information processing apparatus according to claim 1, wherein the balance update process for rewriting the new balance by subtracting the amount of money is executed.
The data processing unit
According to the deposit destination electronic money designation information input from the receiving user terminal, the deposit destination electronic money balance recording area in the secure memory of the receiving user terminal is accessed, and the balance of the deposit destination electronic money recorded in the secure memory is sent. The information processing apparatus according to claim 1, which executes a balance update process for rewriting a new balance to which an amount is added.
The information processing device
It has a user account information database that records information necessary to access the secure memory of the user terminal.
The data processing unit
The information processing device according to claim 1, wherein the secure memory access process of the user terminal is executed by using the recorded information of the user account information database.
The information processing device
It has a remittance information database that records remittance information.
The data processing unit
The information processing device according to claim 1, wherein an entry is added to the remittance information database in response to a remittance request from the remittance user terminal, and the recorded data is updated according to the execution status of the remittance process.
The data processing unit
The information processing device according to claim 5, wherein the amount of intermediate money corresponding to the deposit of the remittance request unit is recorded in the remittance information database.
The data processing unit
When the remittance amount is added to the balance recorded in the secure memory of the receiving user terminal specified by the remittance destination input from the remittance user terminal, it is determined whether or not the charge limit amount specified in advance is exceeded. ,
If the amount exceeds the balance, the balance is updated to a balance within the charge limit specified in advance by adding a part of the remittance amount, and the remaining amount of the remittance amount is used as the balance of the intermediate money according to claim 1. Information processing device.
The data processing unit
The information processing device according to claim 7, wherein the auto-charging process of the payment destination electronic money of the receiving user terminal is executed using the balance of the intermediate money.
With the communication department
Secure memory with a balance recording area compatible with electronic money,
Has a data processing unit
The data processing unit
In response to a request from the management server via the communication unit
An information processing device that updates the balance of the secure memory corresponding to electronic money.
The secure memory has a configuration having a balance recording area corresponding to a plurality of different electronic money.
The data processing unit
The information processing device according to claim 9, wherein the balance recording area of a specific electronic money designated by the user is selected and the balance update process is executed.
The data processing unit
The remittance source electronic money designation information and the transmission data including the remittance destination and the remittance amount are transmitted to the management server via the communication unit.
The information processing device according to claim 9, wherein the balance of the secure memory corresponding to the remittance source electronic money is updated in response to a request from the management server based on the transmission data.
The data processing unit
The information processing device according to claim 9, wherein one balance recording area corresponding to the payment destination electronic money is selected from the secure memory according to the payment destination electronic money selected by the user, and the balance of the selected balance recording area is updated.
It is an information processing system that has a user terminal and a management server.
The remittance user terminal on the remittance side
Send the remittance source electronic money designation information, the remittance destination and the remittance amount to the management server,
The management server
According to the remittance amount input from the remittance user terminal, the balance recorded in the secure memory of the remittance user terminal is updated to the balance obtained by subtracting the remittance amount, and the remittance amount is used as intermediate money corresponding to the deposit. The process to hold and
The process of updating the balance recorded in the secure memory of the receiving user terminal specified by the remittance destination input from the remittance user terminal to the balance to which the remittance amount is added and setting the balance of the intermediate money to zero is performed. Information processing system to execute.
The management server
According to the remittance source electronic money designation information input from the remittance user terminal, the remittance source electronic money balance recording area in the secure memory of the remittance user terminal is accessed, and the balance of the remittance source electronic money recorded in the secure memory is sent. The information processing system according to claim 13, wherein the balance update process for rewriting the new balance by subtracting the amount of money is executed.
The management server
According to the deposit destination electronic money designation information input from the receiving user terminal, the deposit destination electronic money balance recording area in the secure memory of the receiving user terminal is accessed, and the balance of the deposit destination electronic money recorded in the secure memory is sent. The information processing system according to claim 13, wherein the balance update process for rewriting the new balance by adding the amount of money is executed.
It is an information processing method executed in an information processing device.
The information processing device
A communication unit that executes communication with the user terminal,
It has a data processing unit that executes remittance processing between user terminals.
The data processing unit
The process of inputting the remittance source electronic money designation information, the remittance destination and the remittance amount from the remittance user terminal owned by the remittance request user via the communication unit.
According to the remittance amount input from the remittance user terminal, the balance recorded in the secure memory of the remittance user terminal is updated to the balance obtained by subtracting the remittance amount, and the remittance amount is used as intermediate money corresponding to the deposit. The process to hold and
The process of updating the balance recorded in the secure memory of the receiving user terminal specified by the remittance destination input from the remittance user terminal to the balance to which the remittance amount is added and setting the balance of the intermediate money to zero is performed. Information processing method to be executed.
It is an information processing method executed in an information processing device.
The information processing device
With the communication department
Secure memory with a balance recording area compatible with electronic money,
Has a data processing unit
The data processing unit
In response to a request from the management server via the communication unit
An information processing method for updating the balance of the secure memory corresponding to electronic money.
A program that executes information processing in an information processing device.
The information processing device
A communication unit that executes communication with the user terminal,
It has a data processing unit that executes remittance processing between user terminals.
The program is installed in the data processing unit.
The process of inputting the remittance source electronic money designation information, the remittance destination and the remittance amount from the remittance user terminal owned by the remittance request user via the communication unit.
According to the remittance amount input from the remittance user terminal, the balance recorded in the secure memory of the remittance user terminal is updated to the balance obtained by subtracting the remittance amount, and the remittance amount is used as intermediate money corresponding to the deposit. The process to hold and
The process of updating the balance recorded in the secure memory of the receiving user terminal specified by the remittance destination input from the remittance user terminal to the balance to which the remittance amount is added and setting the balance of the intermediate money to zero is performed. The program to be executed.
A program that executes information processing in an information processing device.
The information processing device
With the communication department
Secure memory with a balance recording area compatible with electronic money,
Has a data processing unit
The program is installed in the data processing unit.
In response to a request from the management server via the communication unit
A program that executes a process of updating the balance of the secure memory corresponding to electronic money.