JP7617052B2 - Program, remittance management device, and remittance management method - Google Patents

Description

The present invention relates to a program, a remittance management device, and a remittance management method.

Various remittance systems are used for person-to-person remittance, business-to-business remittance, or remittance between individuals and businesses. For example, Patent Literature 1 describes a person-to-person gift transaction system in which digital gifts such as electronic money are traded between individuals.

The person-to-person gift transaction system described in Patent Document 1 makes it possible for individuals to exchange electronic money with each other by converting a user's electronic money into a digital gift and sending the digital gift to another user's terminal, even without knowing information that identifies the individual.

International Publication No. 2015/030227

The person-to-person gift transaction system described in Patent Document 1 uses electronic money, but remittances using cash managed in an account at a financial institution are also widely conducted. Remittances using cash may require a remittance fee. Remittance fees are set at an amount that takes into account the cost of the remittance procedure itself, as well as the costs of registering and maintaining the accounts of the sender and recipient, and the costs of establishing a data communications environment between the bank or other business that manages the accounts and the business that provides the remittance function. As a result of the various factors involved in making remittances possible, it is difficult to reduce remittance fees.

The present invention aims to provide a program, a remittance management device, and a remittance management method that can reduce remittance fees.

A program according to one aspect of the present invention executes a settlement identification information acquisition process for acquiring a first settlement identification information of a first user and a second settlement identification information of a second user associated with a payment service provider; a remittance identification information assignment process for assigning the first remittance identification information to the first settlement identification information and the second remittance identification information to the second settlement identification information, among the first remittance identification information and the second remittance identification information that identify the first user and the second user for remittance from the first user to the second user; a remittance information acquisition process for acquiring remittance information from the first user that indicates a remittance from the first user to the second user and includes the first remittance identification information, the second remittance identification information, and the remittance amount; a withdrawal information generation process for generating, based on the remittance information, withdrawal information in which the remittance amount from the first user is associated with the first settlement identification information to which the first remittance identification information is assigned; and a deposit information generation process for generating, based on the remittance information, deposit information in which the remittance amount from the first user is associated with the second settlement identification information to which the second remittance identification information is assigned.

A remittance management device according to another aspect of the present invention includes a settlement identification information acquisition unit that acquires the first settlement identification information of a first user and the second settlement identification information of a second user associated with a payment service provider; a remittance identification information assignment unit that assigns the first remittance identification information to the first settlement identification information and the second remittance identification information to the second settlement identification information, among the first remittance identification information and the second remittance identification information that identify the first user and the second user for remittance from the first user to the second user; a remittance information acquisition unit that acquires remittance information from the first user that indicates a remittance from the first user to the second user and includes the first remittance identification information, the second remittance identification information, and the remittance amount; a withdrawal information generation unit that generates, based on the remittance information, withdrawal information in which the remittance amount from the first user is associated with the first settlement identification information to which the first remittance identification information is assigned; and a deposit information generation unit that generates, based on the remittance information, deposit information in which the remittance amount from the first user is associated with the second settlement identification information to which the second remittance identification information is assigned.

A remittance management method according to another aspect of the present invention includes acquiring a first settlement identification information of a first user and a second settlement identification information of a second user associated with a payment service provider; assigning the first remittance identification information to the first settlement identification information and the second remittance identification information to the second settlement identification information, among the first remittance identification information and the second remittance identification information for identifying the first user and the second user for remittance from the first user to the second user; acquiring remittance information from the first user indicating a remittance from the first user to the second user and including the first remittance identification information, the second remittance identification information, and a remittance amount; generating, based on the remittance information, withdrawal information in which the remittance amount from the first user is associated with the first settlement identification information to which the first remittance identification information is assigned; and generating, based on the remittance information, deposit information in which the remittance amount from the first user is associated with the second settlement identification information to which the second remittance identification information is assigned.

The present invention provides a program, a remittance management device, and a remittance management method that can reduce remittance fees.

1 is a diagram showing an outline of a remittance system according to an embodiment of the present invention; FIG. 2 is a diagram illustrating a remittance procedure in the remittance system according to the present embodiment. FIG. 2 is a block diagram showing a configuration of a payment service provider terminal according to the present embodiment. 4 is an example of information stored in a user database and a settlement amount database according to the embodiment. 13 is another example of information stored in the user database and the settlement amount database according to the embodiment. FIG. 2 is a block diagram showing the configuration of the remittance management device according to the present embodiment. 1 is an example of information stored in a remittance ID database according to the present embodiment. 4 is an example of fee information according to the embodiment. 1 is an example of information stored in a remittance history database according to the present embodiment. FIG. 2 is a diagram illustrating an example of a process of the remittance system according to the present embodiment. FIG. 13 is a diagram illustrating an example of a remittance screen according to the embodiment. FIG. 11 is a diagram illustrating another example of the process of the remittance system according to the embodiment. FIG. 11 is a diagram illustrating another example of the process of the remittance system according to the embodiment.

A preferred embodiment of the present invention will be described with reference to the attached drawings. In each drawing, the same reference numerals are used to denote the same or similar configurations.

Figure 1 shows a schematic diagram of a remittance system 10 according to this embodiment. The remittance system 10 comprises a remittance management device 101, payment service provider devices 102a and 102b, user terminals 103a and 103b, and financial institution devices 104a and 104b. The number of payment service provider devices, user terminals, and financial institution devices is not limited to two, and multiple devices may be provided. Note that, unless there is a particular need to distinguish between them, the payment service provider devices 102a and 102b will be referred to as payment service provider device 102, the user terminals 103a and 103b as user terminal 103, and the financial institution devices 104a and 104b as financial institution device 104.

A payment service provider is, for example, a service provider that processes payments using credit cards. The payment service provider debits the amount used by a user who makes a payment using a credit card and deposits the payment amount to the affiliated store that is the payment destination. A payment service provider may manage the remittance system 10 for its own users, and the administrator of the remittance system 10 may be different from the payment service provider. In this case, the administrator of the remittance system 10 may manage the remittance system 10 so that other payment service providers can use it.

A user is someone who uses a payment service provided by a payment service provider. A user is, for example, a consumer who makes a payment using a credit card, or an affiliated store that receives payments by credit card. Within the payment service provider, users are managed by, for example, card numbers and affiliated store numbers. The payment service provider holds information about each user's account at the financial institution into which withdrawals and payments are deposited.

The remittance management device 101 is an information processing device such as a server that executes a predetermined program to perform the processes described below and manages remittances between users. The payment service provider device 102 is an information processing device such as a server managed by each payment service provider. The user terminal 103 is an information processing device such as a smartphone or tablet terminal used by a user. The financial institution device 104 is an information processing device such as a server of each financial institution that manages the accounts of users.

The remittance management device 101 is communicatively connected to each of the payment service provider devices 102, each of the user terminals 103, and each of the financial institution devices 104 via the network N.

Referring to Figure 2, the remittance process between users managed by the remittance system 10 and the remittance management device 101 will be described.

First, we will explain remittance between users A1 and A2 who use the same payment service provider A. Payment service provider A has the credit card numbers of users A1 and A2 and account information used to settle the amount used. Note that while Figure 2 shows only the bank name as the account information, in reality, the account information would be an appropriate account number, etc.

At payment service provider A, user A1 uses a credit card with card number "AA01" in association with account information "Bank V," and user A2 uses a credit card with card number "AA02" in association with account information "Bank W." In addition to transferring money, users A1 and A2 can use their credit cards to purchase goods and pay various fees.

For remittance from user A1 to user A2. A remittance ID is assigned to each card number in the remittance management device 101. The remittance ID is assigned, for example, by each user sending his/her card number to the remittance management device 101. In FIG. 2, in step (A1), user A1 sends card number "AA01" to the remittance management device 101, and in step (B1), the remittance management device 101 assigns remittance ID "ID001" to card number "AA01". The remittance ID may be generated automatically in the remittance management device 101, or may be an ID generated by the user.

When a user generates a remittance ID, the ID used for processing within the remittance system 10 can be managed in association with the remittance ID. This allows the user to change their own remittance ID as needed.

Similarly, in steps (A2) and (B2), the remittance ID "ID002" is assigned to the card number "AA02" of user A2. A user of the remittance service provided by the remittance management device 101 can know his/her own remittance ID through the user terminal 103. He/she can also know the remittance IDs of other users.

To transfer money from user A1 to user A2, in step (C), user A1 transmits user A1's remittance ID "ID001", user A2's remittance ID "ID002", and the remittance amount to the remittance management device 101.

In step (D), the remittance management device 101 generates and records information indicating a remittance from remittance ID "ID001" to remittance ID "ID002." Specifically, the remittance management device 101 generates withdrawal information in which the remittance amount is associated with the card number "AA01" to which the remittance source's remittance ID "ID001" is assigned, and generates deposit information in which the remittance amount is associated with the card number "AA02" to which the remittance destination's remittance ID "ID002" is assigned.

In step (E), the remittance management device 101 generates information to add the remittance amount to the planned settlement amount of user A1 at payment provider A, and transmits it to the payment provider device 102 of payment provider A. The remittance management device 101 also generates information to subtract the remittance amount from the planned settlement amount of user A2 at payment provider A, and transmits it to the payment provider device 102 of payment provider A. The remittance management device 101 can identify the payment provider based on, for example, the card number, and select the payment provider device 102 to which the information should be transmitted. The increase in the planned settlement amount of user A1 and the decrease in the planned settlement amount of user A2 are recorded in the payment provider device 102.

In each of steps (F1) and (F2), payment service provider A debits or transfers the planned settlement amount based on the planned settlement amount and account information of each user A1 and A2. A transfer is made, for example, when the amount received by user A2 through remittance or the like exceeds the amount used by user A2 for purchases or the like.

Through each of the steps up to this point, remittance from user A1, the remitter, to user A2, the recipient, can be realized via the remittance management device 101 and payment service provider A's payment service provider device 102. Since the remittance management device 101 does not need to manage the account information of users A1 and A2, it is possible to reduce the costs associated with operating the remittance management device 101. This enables the remittance management device 101 to reduce remittance fees.

Next, we will explain the case of remittance from user B of payment provider B to user C of payment provider C. At payment provider B, user B uses a credit card with card number "BB01" in association with account information "Bank X." At payment provider C, user C uses a credit card with card number "CC01" in association with account information "Bank Y."

In steps (A3) and (A4), users B and C send their card numbers to the remittance management device 101. In steps (B3) and (B4), the remittance management device 101 assigns the remittance ID "ID003" to the card number "BB01" and the remittance ID "ID004" to the card number "CC01".

To transfer money from user B to user C, in step (G), user A3 transmits user B's remittance ID "ID003", user C's remittance ID "ID004", and the remittance amount to the remittance management device 101.

In step (H), the remittance management device 101 generates and records information indicating a remittance from remittance ID "ID003" to remittance ID "ID004". Specifically, the remittance management device 101 generates withdrawal information in which the remittance amount is associated with the card number "BB01" to which the remittance source's remittance ID "ID003" is assigned, and generates deposit information in which the remittance amount is associated with the card number "CC01" to which the remittance destination's remittance ID "ID004" is assigned.

In step (I1), the remittance management device 101 generates information to add the remittance amount to user B's planned settlement amount at payment provider B based on the withdrawal information, and transmits this information to payment provider B's payment provider device 102. The increase in user B's planned settlement amount is recorded in payment provider B's payment provider device 102.

In step (I2), the remittance management device 101 generates information to subtract the remittance amount from the planned settlement amount of user C at payment service provider C, and transmits it to the payment service provider device 102 of payment service provider C. In the payment service provider device 102, the planned settlement amount of user C increases, and a decrease in the planned settlement amount of user C is recorded.

In step (J1), payment service provider B debits or credits the planned settlement amount based on user B's planned settlement amount and account information. In step (J2), payment service provider C debits or credits the planned settlement amount based on user C's planned settlement amount and account information. Through each of the steps up to this point, a remittance from user B, the sender, to user C, the recipient, can be realized via the remittance management device 101 and the payment service provider devices 102 of each of payment service providers B and C.

In this way, the remittance management device 101 enables remittances between users who have credit cards associated with different payment providers by assigning a remittance ID to each card number.

In the above example, the settlement of the remittance amount in remittances made through the remittance management device 101 is described as being integrated with the settlement of the credit card payment amount. The settlement of the remittance amount does not necessarily have to be integrated with the credit card settlement, and may be made by bank transfer each time a remittance is made.

We will explain the case where the remittance amount is settled by account transfer when remittance is made from user B to user C. In this case, the remittance management device 101 acquires user B's account information as settlement identification information from user B or payment service provider B. Similarly, the remittance management device 101 acquires user B's account information as settlement identification information from user B or payment service provider B.

If the processing up to step (H) is performed in the same manner, in step (K1), the remittance management device 101 generates information to debit the remittance amount from the account of Bank X indicated in the account information based on the account information and withdrawal information of User B, and transmits this information to the financial institution device 104 of Bank X. The debited amount is temporarily credited to the account of the administrator of the remittance management device 101.

In step (K2), the remittance management device 101 generates information to deposit the remittance amount into the account of Bank Y indicated by the account information based on the account information and deposit information of User C, and transmits this information to the financial institution device 104 of Bank Y. The deposited amount is paid from the account of the administrator of the remittance management device 101. This completes the remittance from User B to User C. Even in this case, the remittance management device 101 only needs to obtain the account information of Users B and C and does not need to manage it, making it possible to reduce the costs associated with operating the remittance management device 101. Therefore, the remittance management device 101 is able to reduce remittance fees.

The various components of the payment service provider device 102 will be described with reference to Figures 3 to 5. In the remittance system 10, the remittance management device 101 processes the data based on the information recorded in the payment service provider device 102, so the payment service provider device 102 will be described first.

Figure 3 shows a block diagram of the payment service provider device 102. The payment service provider device 102 has a memory unit 301, a communication unit 302, a settlement amount update unit 303, and a settlement identification information transmission unit 304.

Information processing in each part of the payment service provider device 102 can be realized, for example, by using a storage area such as a memory in the payment service provider device 102, or by a processor executing a program stored in the storage area.

The memory unit 301 stores various information used for processing in the payment service provider device 102. The memory unit 301 has a user database 3011 and a settlement amount database 3012.

Figure 4 shows an example of the user database 3011 and settlement amount database 3012 in the payment service provider device 102 of payment service provider A in Figure 2.

The user database 3011 stores information used to manage users in the payment service provider device 102. The user database 3011 has the fields "user name" and "settlement identification information."

"User name" is the name of the user, and can be an individual or corporate name. "Settlement identification information" is information including "user identification information" and "account information" used for payment by the user. "User identification information" is the user's credit card number, for example, shown as "AA01" or "AA02." Furthermore, "user identification information" is an affiliated store number for identifying an affiliated store of a credit card payment system, such as shown as "AAAA-AA." "Account information" is information indicating the account used to settle the amount used by the user or the amount received by the affiliated store.

The settlement amount database 3012 stores information on the settlement amount used to settle the amount used or received in the payment provider device 102. The settlement amount database 3012 stores the settlement amount associated with a user identified by the user name. In FIG. 4, the settlement amount "100,000 yen" is associated with user A1. This means that 100,000 yen will be debited from user A1 on a specific settlement date. Note that a negative settlement amount means that the amount will be transferred to the user. The deduction or transfer is made to an account managed by the account information of each user.

Figure 5 (a) shows an example of the user database 3011 and settlement amount database 3012 in the payment service provider device 102 of payment service provider B in Figure 2. Figure 5 (b) shows an example of the user database 3011 and settlement amount database 3012 in the payment service provider device 102 of payment service provider C in Figure 2. In this way, each payment service provider manages the settlement identification information and settlement amounts of its own users.

The communication unit 302 controls communication between the payment service provider device 102 and the remittance management device 101. The settlement amount update unit 303 updates the user's settlement amount in the settlement amount database 3012 based on information indicating the user's use of a credit card or on withdrawal and deposit information in remittances by the remittance management device 101. The settlement identification information transmission unit 304 transmits the settlement identification information stored in the user database 3011 to the remittance management device 101.

The remittance management device 101 will be described with reference to Figures 6 to 9. The remittance management device 101 has a memory unit 601, a communication unit 602, a settlement identification information acquisition unit 603, a remittance identification information allocation unit 604, a remittance information acquisition unit 605, a withdrawal information generation unit 606, a deposit information generation unit 607, a planned settlement amount addition unit 608, a planned settlement amount subtraction unit 609, a remittance amount withdrawal unit 610, a remittance amount deposit unit 611, a fee information acquisition unit 612, a fee information transmission unit 613, and a timing instruction acquisition unit 614.

Information processing in each part of the remittance management device 101 can be realized, for example, by using a storage area such as a memory in the remittance management device 101, or by a processor executing a program stored in the storage area.

The storage unit 601 has a remittance ID database 6011 and a remittance history database 6012. The remittance ID database 6011 stores information for managing the remittance IDs of users of the remittance management device 101. The remittance ID database 6011 has the fields of "user name", "user identification information", and "remittance ID". The "user name" and "user identification information" are obtained, for example, through the payment service provider device 102 or from each user through the user terminal 103. The "remittance ID" may be generated automatically in the remittance management device 101, or may be an ID generated by the user.

The remittance ID database 6011 may also store for each user the ID used by the user when using the service provided by the payment service provider, initial settings indicating whether the remittance settlement will be integrated into the card settlement amount or transferred to an account, the user's contact information such as email address and telephone number, and authentication information such as a password used when making a remittance.

The memory unit 601 stores the fee information shown in FIG. 8. The fee information is the amount set by a financial institution such as a payment service provider or a bank for remittance by the remittance management device 101.

The fee information has the following fields: "Remittance timing," "Payment service provider," "Financial institution," and "Remittance fee." "Remittance timing" has the fields "lump sum" or "instant."

When the remittance timing is "lump sum," the settlement of the remittance amount arising from remittances between users is integrated into the settlement of the settlement amount at the payment service provider. In this case, the fee is set by the payment service provider.

When the remittance timing is "instant," the remittance amount resulting from remittance between users is settled instantly as a transfer to an account at the financial institution. In this case, the fees are set by the financial institution.

Figure 9 shows an example of a remittance history database 6012. The remittance history database 6012 stores information indicating the history of remittances between users. The information in the remittance history database 6012 has the following fields: "remittance ID of remitter," "remittance ID of remitter," "remittance amount," "remittance timing," "remittance fee," and "fee payer."

"Remitter's remittance ID" and "recipient's remittance ID" are information for identifying the remitter and recipient. "Remittance amount" is the amount remitted from the remitter to the recipient. "Remittance timing", as described above, is information indicating when the remittance between users will be settled. "Remittance fee" is an amount calculated by referring to fee information based on the remitter's remittance ID and the recipient's remittance ID and remittance timing. "Fee bearer" is information selected by the remitter user, and indicates whether the remitter or recipient will bear the fee.

For example, suppose a remittance of 3,000 yen is made from user A1 to user A2 using a credit card settlement. In this case, as shown in FIG. 9, the "remitter's remittance ID" is recorded as "ID001," the "recipient's remittance ID" is recorded as "ID002," and the "remittance amount" is recorded as "3,000 yen." Additionally, the "remittance timing" is "lump sum." In this case, the remittance fee is calculated based on the fee information, and since the fee of payment service provider A is 20 yen, "remittance fee" is recorded as "20 yen." Additionally, if the remittance is made so that user A1 is the fee bearer, the "fee bearer" becomes the "remitter."

As another example, suppose a remittance of 10,000 yen from User B to User C is made instantly by account transfer. In this case, the "remitter's remittance ID" is recorded as "ID003," the "recipient's remittance ID" is recorded as "ID004," and the "remittance amount" is "10,000 yen." Additionally, the "remittance timing" is "instantaneous." The remittance fee is calculated based on the fee information, but since there are debit and credit transactions with each financial institution, the fee is recorded as 115 yen, the sum of 55 yen from Bank X and 60 yen from Bank Y, as the "remittance fee." Additionally, if the remittance is made so that User C is the fee bearer, the "fee bearer" becomes the "recipient."

The remittance history database 6012 is a database including various conditions related to executed remittances, and the storage unit 601 may further include a remittance condition database that stores information on remittance conditions between specific users. For example, the remittance condition database may store remittance conditions such as "remittance timing," "remittance fee," "fee payer," and "remittance timing" in association with information on a specific remittance sender (specifically, the "user name" and "user identification information" of the remittance sender) or information on a recipient (specifically, the "user name" and "user identification information" of the recipient). As a result, in a remittance process from a specific remittance sender stored in the remittance condition database to a recipient, the remittance management device 101 can read the remittance conditions from the remittance condition database and automatically set the remittance conditions. Therefore, in a remittance process between a specific remittance sender and a recipient, it is not necessary to manually input the remittance conditions every time, which reduces the workload of the remittance sender.

In addition to the items mentioned above, the remittance conditions may include fee sharing ratio information indicating the ratio of fees shared by the sender and the recipient. They may also include information indicating whether the settlement at the time of remittance is to be integrated into the card settlement amount or to be settled by bank transfer. Furthermore, the information about the sender, the recipient, and the remittance conditions may be registered in the remittance conditions database manually by the sender, or the remittance management device 101 may automatically register based on past remittance conditions by referring to the remittance history database 6012.

The communication unit 602 controls communication between the remittance management device 101, the payment service provider device 102, the user terminal 103, and the financial institution device 104.

The settlement identification information acquisition unit 603 acquires settlement identification information from the payment service provider device 102 or the user terminal 103.

The remittance identification information allocation unit 604 assigns a remittance ID as the remittance identification information to the settlement identification information. The remittance identification information allocation unit 604 assigns a remittance ID to the user and updates the remittance ID database 6011. The remittance identification information allocation unit 604 may also notify the user of the assigned remittance ID. The user may also refer to the remittance ID database 6011 via the user terminal 103 to obtain his or her own remittance ID. The remittance identification information allocation unit 604 may also search for other users' remittance IDs based on the users' contact information, such as email addresses and telephone numbers, and send them to users who need them.

The remittance information acquisition unit 605 acquires remittance information including the remittance ID of the remitter, the remittance ID of the remitter, and the remittance amount from the user terminal 103 of the remitter. The remittance information acquisition unit 605 updates the information of "remitter's remittance ID," "remittance destination's remittance ID," and "remittance amount" in the remittance history database 6012 based on the acquired remittance information. The remittance information acquisition unit 605 may also acquire from the remitter user a passcode or the like for authenticating that the user has remitted money.

Based on the remittance information, the withdrawal information generation unit 606 generates withdrawal information in which the remittance amount is associated with the settlement identification information to which the remittance ID of the remitter is assigned. Specifically, the withdrawal information generation unit 606 generates withdrawal information by referring to the remittance history database 6012 and the remittance ID database 6011. For example, the withdrawal information generation unit 606 refers to the remittance history database 6012 and acquires information indicating a remittance of "3,000 yen" from remittance ID "ID001" to remittance "ID002". Next, the withdrawal information generation unit 606 refers to the remittance ID database 6011 and acquires user identification information "AA01" as settlement identification information to which the remittance ID "ID001" of the remitter is assigned. The withdrawal information generation unit 606 generates withdrawal information indicating that a withdrawal of "3,000 yen" has been made from user identification information "AA01".

Based on the remittance information, the deposit information generation unit 607 generates deposit information in which the remittance amount is associated with the settlement identification information to which the remittance ID of the remittance destination is assigned. Specifically, the deposit information generation unit 607 generates deposit information by referring to the remittance history database 6012 and the remittance ID database 6011. For example, the deposit information generation unit 607 refers to the remittance history database 6012 and obtains information indicating a remittance of "3,000 yen" from remittance ID "ID001" to remittance "ID002". Next, the deposit information generation unit 607 refers to the remittance ID database 6011 and obtains user identification information "AA02" as settlement identification information to which the remittance ID "ID002" of the remittance destination is assigned. The deposit information generation unit 607 generates deposit information indicating that "3,000 yen" has been deposited into user identification information "AA02".

The planned settlement amount addition unit 608 generates information indicating that an amount according to the remittance amount should be added to the planned settlement amount at the payment service provider of the sending user based on the withdrawal information. The information generated by the planned settlement amount addition unit 608 is sent to the payment service provider device 102, and the user's settlement amount managed by the payment service provider device 102 is updated.

The planned settlement amount subtraction unit 609 generates information indicating that an amount corresponding to the remittance amount should be subtracted from the planned settlement amount at the payment service provider of the remittance destination user based on the deposit information. The information generated by the planned settlement amount subtraction unit 609 is sent to the payment service provider device 102, and the user's settlement amount managed by the payment service provider device 102 is updated.

When the settlement identification information includes the account information of the sender, the remittance amount deduction unit 610 generates information indicating that an amount corresponding to the remittance amount is to be debited from the account of the sender user based on the withdrawal information and the account information. The information generated by the remittance amount deduction unit 610 is sent to the financial institution device 104, whereby the remittance amount is debited from the account.

When the settlement identification information includes the account information of the remittance destination, the remittance amount deposit unit 611 generates information indicating that an amount corresponding to the remittance amount will be deposited into the account of the remittance destination user based on the deposit information and the account information. The information generated by the remittance amount deposit unit 611 is sent to the financial institution device 104, whereby the remittance amount is transferred to the account.

The fee information acquisition unit 612 acquires information indicating fees for remittance from the user terminal 103 and the financial institution device 104. As described above, the fee information includes fees when the remittance timing is "lump sum" and fees when the remittance timing is "instant".

The fee information sending unit 613 sends fee information to the remittance source user based on the remittance information. For example, based on remittance information indicating a remittance of "3,000 yen" from remittance ID "ID001" to remittance "ID002", the fee information sending unit 613 references the fee information in the memory unit 601 and obtains or calculates a fee of "20 yen" for "lump sum" and a fee of "95 yen" for "instant". The fee information sending unit 613 sends the fee for each case to the remittance source user terminal 103.

The timing instruction acquisition unit 614 acquires from the remittance source user remittance timing information indicating a lump sum or immediate remittance selected by the remittance source user based on the fee information for each case. The timing instruction acquisition unit 614 updates the "remittance timing" in the remittance history database 6012 and the "remittance fee" information corresponding to the selected remittance timing. The timing instruction acquisition unit 614 also acquires information indicating the fee bearer from the remittance source user and updates the remittance history database 6012. The remittance timing may be a timing specified by the payment service provider or a date selected by the remittance source user.

The remittance management device 101 may periodically check the validity of the settlement identification information for the user to whom the remittance ID is assigned. The remittance management device 101 may also perform identity verification when the remittance ID is assigned. The remittance management device 101 may also distinguish between the remittance ID, which is a remittance source ID, and the remittance destination ID, and distinguish between the remittance sender and the recipient. The remittance management device 101 may also adjust the settlement amount by offsetting the withdrawals and deposits in multiple remittances when there are multiple remittances. The remittance management device 101 may also allow the user to refer to the information in the remittance history database 6012 as appropriate. The remittance management device 101 may also manage the status of the remittance process. Specifically, the remittance management device 101 may notify the sender and the recipient of the status of each remittance process (for example, "remittance instruction accepted", "remittance in process", and "remittance completed") in response to a request from the remittance sender or the recipient, or a change in the status.

The outline of the processing in the remittance system 10 will be described with reference to FIG. 10. Here, the remittance from user A1 to user A2 described in FIG. 2 will be described. The description will be made assuming that user A1 operates user terminal 103a, user A2 operates user terminal 103b, and payment service provider A operates or manages payment service provider device 102a.

In step S1001, the settlement identification information acquisition unit 603 acquires the card number of user A1 as settlement identification information from the user terminal 103a.

In step S1002, the settlement identification information acquisition unit 603 acquires the card number of user A2 as settlement identification information from the user terminal 103b.

In step S1003, the remittance identification information allocation unit 604 assigns a remittance ID to each card number.

In step S1004, the remittance information acquisition unit 605 transmits information for generating the remittance screen 1100 as shown in FIG. 11.

The remittance screen 1100 has input fields 11011, 11012, and 11013, selection fields 11014a, 11014b, and 11015, and display fields 11021a and 11021b.

The sender, receiver, and amount of remittance can be entered through input fields 11011, 11012, and 11013.

Selection fields 11014a and 11014b are areas that can be selected by operating the screen of the user terminal 103, and the user can select either lump sum or immediate items. Display fields 11021a and 11021b are areas that display fees according to the remitter, remitter destination, and remittance timing. This display can change dynamically depending on the input and selection of the remitter, remitter destination, and remittance timing.

In the selection field 11015, the "remitter" or "recipient" is selected as the fee payer, for example, from a pull-down list.

The remittance source user can input remittance information through the remittance screen 1100 and send it to the remittance management device 101. Furthermore, the remittance source user can send the remittance timing to the remittance management device 101 through the remittance screen 1100. The example in Figure 11 shows a situation where the remittance timing has been selected as a lump sum.

In step S1005, the remittance information acquisition unit 605 acquires remittance information from the user terminal 103a. In addition, the timing instruction acquisition unit 614 acquires the remittance timing from the user terminal 103a.

In step S1006, the withdrawal information generation unit 606 generates withdrawal information based on the remittance information.

In step S1007, the deposit information generation unit 607 generates deposit information based on the remittance information.

In step S1008, the remittance information acquisition unit 605 and the timing instruction acquisition unit 614 each update the remittance history database 6012.

In step S1009, the planned settlement amount addition unit 608 generates information (settlement amount addition information) that adds the planned settlement amount of the remitter user.

In step S1010, the planned settlement amount subtraction unit 609 generates information (settlement amount addition information) to subtract the planned settlement amount of the remittance destination user.

In step S1011, the planned settlement amount addition unit 608 transmits settlement amount addition information to the payment service provider device 102a.

In step S1012, the planned settlement amount subtraction unit 609 transmits the settlement amount subtraction information to the payment service provider device 102a.

In step S1013, the settlement amount update unit 303 of the payment service provider device 102a updates the settlement amount for each user. After that, a withdrawal or deposit is made according to the settlement amount, and the settlement is completed.

With reference to FIG. 12, a case where a remittance is executed to transfer funds instantly will be described. In step S1201, the settlement identification information acquisition unit 603 acquires the card number and account information of user A1 as settlement identification information from the user terminal 103a.

In step S1202, the settlement identification information acquisition unit 603 acquires the card number and account information of user A2 as settlement identification information from the user terminal 103b.

The process from step S1203 to step S1208 is the same as step S1003 to S1008. However, the difference is that in this case, immediate remittance is selected as the remittance timing.

In step S1209, the remittance amount deduction unit 610 generates information (withdrawal information) indicating that an amount corresponding to the remittance amount will be debited from the remittance source user's account.

In step S1210, the remittance amount deposit unit 611 generates information (transfer information) indicating that an amount corresponding to the remittance amount will be deposited into the account of the remittance destination user.

In step S1211, the remittance amount deduction unit 610 transmits deduction information to the financial institution device 104a.

In step S1212, the financial institution device 104a debits the remittance amount from the remittance user's account based on the debit information.

In step S1213, the remittance amount deposit unit 611 sends the transfer information to the financial institution device 104b.

In step S1214, the financial institution device 104b transfers the remittance amount to the recipient user's account based on the withdrawal information. This completes the remittance.

The processing in FIG. 10 and the processing in FIG. 12 can be used together, and the remittance management device 101 can selectively execute the processing in FIG. 10 in the case of lump-sum settlement or the processing in FIG. 12 in the case of immediate settlement depending on the timing of remittance.

With reference to Figure 13, we will explain an example of a remittance procedure when the remittance destination user has not been assigned a remittance ID by the remittance management device 101.

In step S1301, the settlement identification information acquisition unit 603 acquires the card number of user A1 as settlement identification information from the user terminal 103a.

In step S1302, the remittance identification information allocation unit 604 assigns a remittance ID to the card number of the remittance sending user.

In step S1303, the remittance information acquisition unit 605 transmits information (remittance screen information) for generating a remittance screen. At this time, the remittance information acquisition unit 605 generates and transmits remittance screen information that allows the remittance destination user's card number to be entered instead of the remittance destination's remittance ID on the remittance screen.

In step S1304, the remittance information acquisition unit 605 acquires remittance information including the card number of the remittance destination user from the user terminal 103a. In addition, the timing instruction acquisition unit 614 acquires the remittance timing from the user terminal 103a.

In step S1305, the remittance identification information allocation unit 604 assigns a remittance ID to the card number (settlement identification information) of the remittance destination user.

The processing from step S1306 to step S1310 is the same as that from step S1006 to step S1010.

If user terminal 103b is not managed by the same payment service provider as user A1, but is managed by another payment service provider like user B, the remittance management device 101 sends settlement amount addition information and settlement amount subtraction information to each payment service provider device 102. Here, it is assumed that the payment service provider corresponding to the remittance destination manages payment service provider device 102c.

In step S1311, the planned settlement amount addition unit 608 transmits settlement amount addition information to the payment service provider device 102a.

In step S1312, the planned settlement amount subtraction unit 609 transmits the settlement amount subtraction information to the payment service provider device 102c.

In step S1313, the settlement amount update unit 303 of the payment service provider device 102a updates the settlement amount for user A1.

In step S1314, the settlement amount update unit 303 of the payment service provider device 102c updates the settlement amount of the remittance destination user. After that, the payment service provider device 102a and the payment service provider device 102c each debit or credit the settlement amount according to the settlement amount, and the settlement is completed.

The above describes an embodiment of the present invention. The remittance management device 101 according to this embodiment includes a settlement identification information acquisition unit 603 that acquires the first settlement identification information of a first user and the second settlement identification information of a second user associated with a payment service provider, a remittance identification information allocation unit 604 that assigns the first remittance identification information to the first settlement identification information and the second remittance identification information to the second settlement identification information, among the first remittance identification information and the second remittance identification information that identify the first user and the second user for remittance from the first user to the second user, and The system includes a remittance information acquisition unit 605 that acquires remittance information from a first user, the remittance information indicating a remittance and including a first remittance identification information, a second remittance identification information, and a remittance amount, a withdrawal information generation unit 606 that generates, based on the remittance information, withdrawal information in which the remittance amount from the first user is associated with a first settlement identification information to which the first remittance identification information is assigned, and a deposit information generation unit 607 that generates, based on the remittance information, deposit information in which the remittance amount from the first user is associated with a second settlement identification information to which the second remittance identification information is assigned.

Remittances from a first user to a second user are managed by remittance information indicating remittances between remittance identification information assigned to the settlement identification information of each user. Based on the remittance information, withdrawal information including the settlement identification information of the first user (remitter) and deposit information including the settlement identification information of the second user (recipient) are generated. The remittance can be completed by sending information based on the withdrawal information and deposit information to, for example, a payment service provider or financial institution that has information on the user's account. In this way, the remittance management device 101 enables remittances between users without the need to manage the user's account information. This reduces the costs associated with operating the remittance management device 101, and the remittance management device 101 can reduce remittance fees between users.

The remittance management device 101 further includes a planned settlement amount addition unit 608 that generates information indicating that an amount corresponding to the remittance amount is to be added to the first planned settlement amount at the payment service provider of the first user based on the withdrawal information, and a planned settlement amount subtraction unit 609 that generates information indicating that an amount corresponding to the remittance amount is to be subtracted from the second planned settlement amount at the payment service provider of the second user based on the deposit information.

This allows, for example, payment service providers that handle credit card payments to transfer money by adjusting the settlement amount, and as there is no need to transfer money between actual accounts, it is possible to further reduce transfer fees.

The remittance management device 101 further includes a remittance amount withdrawal unit 610 that generates information indicating that an amount corresponding to the remittance amount is to be debited from the remittance source account based on the withdrawal information and the remittance source account information, and a remittance amount deposit unit 611 that generates information indicating that an amount corresponding to the remittance amount is to be deposited into the remittance destination account based on the deposit information and the remittance destination account information. This allows real-time transfers between accounts without the remittance management device 101 directly managing the accounts, so even if a user desires real-time remittance, the remittance management device 101 can enable remittances between users while keeping remittance fees low.

The payment service providers include a first payment service provider and a second payment service provider, the first settlement identification information is associated with the first payment service provider, and the second settlement identification information is associated with the second payment service provider. This enables remittances between users associated with different payment service providers, improving user convenience.

In the remittance management device 101, the remittance information acquisition unit 605 acquires second remittance information from the first user, which indicates a remittance from the first user to the third user, and includes the first remittance identification information, the third settlement identification information of the third user associated with the payment service provider, and the second remittance amount. In the remittance management device 101, the remittance identification information allocation unit 604 assigns the third remittance identification information of the third user to the third settlement identification information based on the second remittance information, and the deposit information generation unit 607 generates second deposit information based on the second remittance information, in which the second remittance amount from the first user is associated with the third settlement identification information to which the third remittance identification information is assigned.

As a result, even if there is remittance information for a user to whom a remittance ID has not been assigned as remittance identification information in the remittance management device 101, the settlement identification information for that user can be obtained from the remitter and a new remittance ID can be issued before completing the remittance. This improves user convenience.

The remittance management device 101 further includes a fee information acquisition unit 612 that acquires first fee information indicating a first fee when a remittance based on the remittance information is executed at a first timing and second fee information indicating a second fee when the remittance is executed at a second timing, a fee information transmission unit 613 that transmits the first fee information and the second fee information to the first user based on the remittance information, and a timing instruction acquisition unit 614 that acquires remittance timing information indicating the first timing or the second timing selected by the first user based on the first fee information and the second fee information from the first user, and the withdrawal information generation unit 606 generates withdrawal information based on the remittance timing information, and the deposit information generation unit 607 generates deposit information based on the remittance timing information.

This allows the first user who is the sender of the remittance to select the timing of the remittance based on, for example, the fee for immediately transferring money to a bank account or the fee for later settling the remittance in conjunction with credit card settlement. This allows the sender of the remittance to transfer money according to his or her own economic convenience and the wishes of the recipient user, improving the convenience of the remittance system 10.

The above-described embodiments are intended to facilitate understanding of the present invention, and are not intended to limit the present invention. The elements of the embodiments, as well as their arrangement, conditions, shape, size, etc., are not limited to those exemplified, and may be modified as appropriate. In addition, configurations shown in different embodiments may be partially substituted or combined.

10...Remittance system, 101...Remittance management device, 102...Payment service provider device, 103...User terminal, 104...Financial institution device, 603...Settlement identification information acquisition unit, 604...Remittance identification information allocation unit, 605...Remittance information acquisition unit, 606...Withdrawal information generation unit, 607...Deposit information generation unit, 608...Planned settlement amount addition unit, 609...Planned settlement amount subtraction unit, 610...Remittance amount withdrawal unit, 611...Remittance amount deposit unit, 612...Commission information acquisition unit, 613...Commission information transmission unit, 614...Timing instruction acquisition unit

Claims (7)

On the computer,
A settlement identification information acquisition process for acquiring a first settlement identification information of a first user and a second settlement identification information of a second user associated with a payment service provider;
a remittance identification information allocation process for allocating the first remittance identification information to the first settlement identification information and the second remittance identification information to the second settlement identification information, out of a first remittance identification information and a second remittance identification information for identifying the first user and the second user for remittance from the first user to the second user;
a remittance information acquisition process for receiving an input of a remittance amount from the first user to the second user from the first user, and acquiring remittance information from the first user, the remittance information indicating a remittance from the first user to the second user, the remittance information including the first remittance identification information, the second remittance identification information, and the remittance amount;
a withdrawal information generating process for generating withdrawal information in which the remittance amount from the first user is associated with the first settlement identification information to which the first remittance identification information is assigned, based on the remittance information;
a deposit information generating process for generating deposit information in which the remittance amount from the first user is associated with the second settlement identification information to which the second remittance identification information is assigned, based on the remittance information;
a planned settlement amount addition process for generating information indicating that an amount corresponding to the remittance amount is to be added to a first planned settlement amount at the payment service provider of the first user based on the withdrawal information;
a planned settlement amount subtraction process for generating information indicating that an amount corresponding to the remittance amount is to be subtracted from a second planned settlement amount at the payment service provider of the second user based on the deposit information;
A program to execute. The program according to claim 1,
The first settlement identification information includes first account information indicating a first account of the first user,
The second settlement identification information includes second account information indicating a second account of the second user,
The computer includes:
a remittance amount withdrawal process for generating information indicating that an amount corresponding to the remittance amount is to be withdrawn from the first account based on the withdrawal information and the first account information;
and generating information indicating that an amount corresponding to the remittance amount will be deposited into the second account based on the deposit information and the second account information. 3. The program according to claim 1 or 2,
The payment service provider includes a first payment service provider and a second payment service provider,
The first settlement identification information is associated with the first payment service provider, and the second settlement identification information is associated with the second payment service provider. The program according to any one of claims 1 to 3,
The remittance information acquisition process acquires second remittance information from the first user, the second remittance information indicating a remittance from the first user to a third user and including the first remittance identification information, third settlement identification information of the third user associated with the settlement service provider, and a second remittance amount;
The remittance identification information allocation process allocates a third remittance identification information of the third user to the third settlement identification information based on the second remittance information;
The deposit information generation process is a program that generates second deposit information in which the second remittance amount from the first user is associated with the third settlement identification information to which the third remittance identification information is assigned, based on the second remittance information. The program according to any one of claims 1 to 4,
The computer includes:
a fee information acquisition process for acquiring first fee information indicating a first fee when the remittance based on the remittance information is executed at a first timing and second fee information indicating a second fee when the remittance is executed at a second timing;
a fee information transmission process for transmitting the first fee information and the second fee information to the first user based on the remittance information;
and acquiring, from the first user, remittance timing information indicating the first timing or the second timing selected by the first user based on the first fee information and the second fee information;
The withdrawal information generation process generates the withdrawal information based on the remittance timing information,
The deposit information generation process generates the deposit information based on the remittance timing information. a settlement identification information acquisition unit that acquires a first settlement identification information of a first user and a second settlement identification information of a second user associated with a payment service provider;
a remittance identification information allocation unit that allocates the first remittance identification information to the first settlement identification information and the second remittance identification information to the second settlement identification information, out of first remittance identification information and second remittance identification information that identify the first user and the second user for remittance from the first user to the second user;
a remittance information acquisition unit that receives an input of a remittance amount from the first user to the second user from the first user, and acquires remittance information from the first user that indicates a remittance from the first user to the second user and includes the first remittance identification information, the second remittance identification information, and the remittance amount;
a withdrawal information generating unit that generates withdrawal information in which the remittance amount from the first user is associated with the first settlement identification information to which the first remittance identification information is assigned, based on the remittance information;
a deposit information generating unit that generates, based on the remittance information, deposit information in which the remittance amount from the first user is associated with the second settlement identification information to which the second remittance identification information is assigned;
a planned settlement amount addition unit that generates information indicating that an amount corresponding to the remittance amount is to be added to a first planned settlement amount at the payment service provider of the first user based on the withdrawal information;
A remittance management device comprising: a planned settlement amount subtraction unit that generates information indicating that an amount corresponding to the remittance amount will be subtracted from the second planned settlement amount at the payment service provider of the second user based on the deposit information. Obtaining a first settlement identification information of a first user and a second settlement identification information of a second user associated with a payment service provider;
assigning the first remittance identification information to the first settlement identification information and the second remittance identification information to the second settlement identification information, out of first remittance identification information and second remittance identification information for identifying the first user and the second user for remittance from the first user to the second user;
receiving an input of a remittance amount from the first user to the second user from the first user, and acquiring remittance information from the first user indicating a remittance from the first user to the second user, the remittance information including the first remittance identification information, the second remittance identification information, and the remittance amount;
generating withdrawal information in which the remittance amount from the first user is associated with the first settlement identification information to which the first remittance identification information is assigned based on the remittance information;
generating deposit information in which the remittance amount from the first user is associated with the second settlement identification information to which the second remittance identification information is assigned based on the remittance information;
generating information indicating that an amount corresponding to the remittance amount is to be added to a first planned settlement amount at the payment service provider of the first user based on the withdrawal information;
A remittance management method including: generating information indicating that an amount corresponding to the remittance amount should be subtracted from a second planned settlement amount at the payment service provider of the second user based on the deposit information.

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