Management system, withdrawal management method and program

Abstract

To provide a technique capable of reducing a burden on a product or service provider.SOLUTION: A management system for transmitting an instruction to a financial institution to remit consideration provided to a provider providing a product or a service includes: determination means for determining whether or not delivery of the product or provision of the service to a beneficiary has been completed; and transmission means for, when it is determined that the delivery of the product or the provision of the service has been completed, transmitting, to the financial institution, the instruction to remit the consideration provided to the provider such that the consideration provided for the product or the service is transferred to the provider at a preset date and time.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] The present invention relates to a management system, a withdrawal management method, and a program. [Background technology]

[0002] 2. Description of the Related Art In recent years, as online shopping has become more common, payments from product orderers to product providers are now often made by credit card or bank transfer.

[0003] Patent Document 1 discloses a system in which a purchasing agent is selected to receive the product price, and after the purchaser pays the price to the purchasing agent's account, the product price is transferred from the purchasing agent's account to the seller's account when the product arrives to the purchaser. This reduces the possibility that the product will not arrive at the buyer's hands, since the price is not paid to the seller's account until the product arrives at the buyer's hands. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] JP 2003-36409 A Summary of the Invention [Problem to be solved by the invention]

[0005] On the other hand, there are cases where the party from which a purchaser places an order for a product or service (underwriter) is different from the party that provides the product or service (provider). For example, in a commercial transaction system (a system using a so-called EC site) in which an underwriter collectively accepts individual orders from multiple providers, a purchaser can freely purchase various products and services within a single site. The purchaser then only needs to pay the price to the underwriter, which is highly convenient for the purchaser. In such cases, the purchaser pays the price to the underwriter, and then the provider requests the underwriter for the consideration for the provision, and then the underwriter pays the consideration for the provision to the provider.

[0006] However, when many parties are involved in providing goods or services in this way, the flow of money becomes complicated, and a long period of time passes between the completion of the provision of the goods or services and the payment of the provision fee to the provider. For example, in the technology of Patent Document 1, the payment is made to the account of the underwriter, who is the seller, immediately after the goods are provided. However, for example, when there is a party (provider) that receives an order from the seller and provides the goods or services on behalf of the seller, the timing of the provider receiving the payment on behalf of the seller (provision fee) may be delayed. This can result in the provider continuing to bear the costs of the provision for a long period of time.

[0007] Therefore, an object of the present invention is to provide a technique that can reduce the burden on product or service providers. [Means for solving the problem]

[0008] In order to achieve the above object, the present invention employs the following configuration.

[0009] That is, a management system according to one aspect of the present invention is a management system that transmits an instruction to a financial institution to remit a payment to a provider who has provided a product or service, and includes a determination means for determining whether or not the delivery of the product to a beneficiary or the provision of the service has been completed, and a previously set and a transmitting means for transmitting an instruction to the financial institution to transfer the consideration for the product or service to the provider so that the consideration for the product or service is transferred from the first account to the provider at the set date and time.

[0010] According to this configuration, after the provider has provided a product or service to a beneficiary (e.g., an orderer), when the current time reaches the set time, the consideration for the service is transferred to the provider's account. Therefore, the provider can receive the consideration immediately when the set time is reached, thereby reducing the period during which the provider must bear the costs required for the service. Note that a beneficiary is a person who receives delivery of a product or provision of a service, for example, a person who orders a product (a purchaser).

[0011] In the above system, when it is determined that the delivery of the product or the provision of the service is completed, the transmission means may transmit to the financial institution at the set date and time an instruction to transfer the provision value to the provider. In this way, since a financial institution normally transfers the provision value to the provider immediately upon receiving an instruction to transfer the provision value, even when a financial institution that does not allow remittance reservations is used, the provision value can be transferred to the provider at the set date and time.

[0012] In the above management system, the set date and time may be a date and time set by each provider. Since the set date and time can be set arbitrarily for each provider, the provider can accurately know the time when the provider will receive the provision fee. Therefore, the provider can easily manage the costs required for the provision.

[0013] In the above management system, a first date and time is set for the first provider as the set date and time, and the transmission means may transmit, when multiple deliveries of the product or multiple provision of the service have been completed for the first provider by the first date and time, an instruction to the financial institution to remit the total amount of money to the first provider so that the total amount of money corresponding to the multiple deliveries of the product or the multiple provision of the service is remitted to the first provider at the first date and time. This allows the provider to manage the provision fees for multiple provisions in a lump sum. This reduces the provider's burden of managing the provision fees.

[0014] In addition, a management system according to one aspect of the present invention is a management system that sends an instruction to a financial institution to send a consideration for a product or service to a provider who has provided the product or service, and is characterized in that it has a determination means for determining whether delivery of the product to a beneficiary or provision of the service has been completed, and a transmission means for sending to the financial institution, when it is determined that delivery of the product or provision of the service has been completed, an instruction to transfer the consideration for the product or service from a first account to the provider, and an instruction to adjust the balance of the first account so that a balance of a specific amount or more is maintained in the first account.

[0015] According to such a configuration, the provider can receive the consideration for the provision immediately upon completion of delivery of the product or provision of the service. Since the consideration for the provision is transferred to the provider from the first account, which is adjusted to maintain a balance of a specific amount or more, the possibility that the consideration for the provision will not be transferred to the provider is reduced. Here, for example, if the balance of the first account is set based on credit, the balance of the first account is maintained by transferring money equivalent to the consideration for the provision to an account for adjusting the credit limit. This allows the provider to receive the consideration for the provision with almost certainty, making it easier to manage the consideration for the provision.

[0016] In the above-mentioned management system, the first account is an account of a business operator that has received a request from a client to provide the product or service, and the management system Alternatively, the service providing device may further include a billing means for billing the client to pay at least the amount of the consideration for the service to the business operator when it is determined that the provision of the service is completed. The client may be, for example, a local government. The business operator may be, for example, an intermediary business operator.

[0017] In the above management system, when it is determined that the delivery of the product or the provision of the service is completed, the transmission means may transmit to the financial institution an instruction to transfer the consideration for the product or service from the first account to the provider, even before the requester has paid the amount of the consideration to the business operator. This allows the provider to immediately obtain the consideration for the product or service, even if the requester is late in paying the amount of the consideration to the business operator.

[0018] In the above management system, the determination means may determine whether or not delivery of the product or provision of the service has been completed based on information sent from the provider at the time of completion of delivery of the product or provision of the service.

[0019] In the above management system, the product is provided by being delivered from the provider to the beneficiary by a delivery company, and the determination means may determine whether delivery of the product is completed by inquiring of the terminal of the delivery company based on information identifying the delivery company and information identifying the delivery of the product. In this way, the management system can determine the completion of delivery of the product even if the terminal of the delivery company does not have a function to transmit a notification of completion of provision of the product upon completion of delivery of the product.

[0020] In the above management system, the determination means may determine that delivery of the product has been completed when it determines that the product has arrived at the beneficiary.

[0021] In the above management system, the beneficiary may be a person who receives the goods or services in return for a hometown tax donation, and the provider may be a person who provides the goods or services in return for the hometown tax donation.

[0022] The present invention can be understood as an electronic device, information processing device, withdrawal management system, withdrawal processing system, support system, withdrawal management method, withdrawal processing method, management method, information processing method, or support method that includes at least some of the functions and processes described above. The present invention can also be understood as a program that causes a computer to execute each means of the management system (each step of the withdrawal management method), or a storage medium that non-temporarily stores the program. Effect of the Invention

[0023] According to the present invention, the burden on the provider of the product or service can be reduced. [Brief description of the drawings]

[0024] [Figure 1] FIG. 1 is a diagram for explaining an overview of the first embodiment. [Diagram 2] FIG. 2 is a configuration diagram of the system 1 according to the first embodiment. [Diagram 3] FIG. 3 is a configuration diagram of the management system 10 according to the first embodiment. [Figure 4] 4A to 4E are diagrams for explaining various types of information according to the first embodiment. [Diagram 5] FIG. 5A is a flowchart of the process of local government registration according to the first embodiment, and FIG. 5B is a flowchart of the process of provider registration according to the first embodiment. [Figure 6] FIG. 6 is a flowchart of a withdrawal management process according to the first embodiment. [Figure 7] FIG. 7 is a diagram illustrating the effect of the first embodiment in comparison with a comparative example. [Figure 8] FIG. 8 is a diagram for explaining an overview of the first modification. [Figure 9] FIG. 9 is a flowchart of a withdrawal management process according to the first modification. [Figure 10] FIG. 10 is a diagram for explaining an overview of the second modification. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0025] Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the drawings. Note that the present invention is not limited to the described embodiments. Furthermore, not all of the components described in the embodiments are essential to the present invention.

[0026] <Embodiment 1> First, in the first embodiment, a management system 10 that manages a service for providing a product will be described. When an orderer orders a product, the management system 10 issues a remittance instruction to a financial institution so that the consideration for the product is remitted to the provider at a preset date and time (set date and time) after the provider has completed provision of the product (delivery of the product).

[0027] In the following, an example of hometown tax payment will be described in which a donor (orderer) makes a donation to a local government and orders a return gift (product) in return. For this purpose, the management system 10 manages the service of providing the return gift to the donor (the service provided by the intermediary business). Here, with reference to FIG. 1, an overview of the flow of transactions between the donor, local government, intermediary business, and provider (the person providing the return gift) in the first embodiment will be described.

[0028] First, (1) a donor makes a donation to the local government (i.e., pays the donation amount and orders a gift in return). (2) The local government places an order with an intermediary business to provide a gift in return for the donation from the donor. (3) In response to the order from the local government, the intermediary business places an order with a provider to provide the gift in return. (4) The provider ships the gift to a delivery company to be delivered to the donor.

[0029] (5) The provider sends shipping information, including information on the delivery company and the shipping date and time, to the intermediary business. (6) The delivery company delivers the return gift to the donor. (7) The intermediary business determines whether the return gift has reached the donor (completion of the return gift provision). For example, the intermediary business determines completion of the return gift provision depending on whether it has received arrival completion information from the delivery company indicating completion of the return gift provision. (8) When the set date and time arrives, the intermediary business instructs the bank to transfer (withdraw) the provision consideration from the intermediary business's account to the provider's account.

[0030] (9) Upon receiving the transfer instruction, the bank transfers the consideration from the intermediary's account (or the bank's account based on the contract between the bank and the intermediary) to the provider's account. (10) The intermediary invoices the local government for the fee for providing the return gift (service fee). (11) The local government transfers the fee to the intermediary's account.

[0031] Note that while FIG. 1 illustrates only one donor and one provider, in reality there are multiple donors and multiple providers. For this reason, the above interactions (1) to (9) are executed for each donor and provider. In the following, the processing for one donor and one provider will be described, but in reality, the processing is executed for each donor and provider. Note that, for example, the processing for billing for the provision fee (9) and the processing for billing for the fee (10) may be processed collectively for multiple providers.

[0032] With reference to Fig. 2, a system 1 for realizing the exchange shown in Fig. 1 will be described. That is, the system 1 for delivering a gift to a donor and promptly paying the provider for the gift will be described. System 1 has a management system 10, a donor terminal 11, a local government terminal 12, an intermediary business terminal 13, a delivery company terminal 14, a provider terminal 15, and a financial system 16.

[0033] The management system 10 manages the return gift provision service provided by the intermediary business. The management system 10 is a system accessible by a local government terminal 12 and an intermediary business terminal 13. The management system 10 is, for example, a server on a cloud. The management system 10 has a donor management system 101, a donation management system 102, and a withdrawal management system 103.

[0034] The provider management system 101 acquires provider information (information such as provider name, provider profile, provider account number, and withdrawal setting date and time) from the provider terminal 15 (see FIG. 4B).

[0035] The donation management system 102 acquires donation information (information such as the name of the local government, the donation amount, and the name of the return gift) from the local government terminal 12 (see FIG. 4C). In addition, the donation management system 102 determines whether the delivery company has delivered the return gift to the donor (whether the provision of the return gift has been completed).

[0036] After the delivery company delivers the return gift to the donor, the withdrawal management system 103 transmits a withdrawal instruction to the financial system 16 when a set date and time determined for each donor arrives.

[0037] Donor terminal 11 is a terminal (for example, a PC, a smartphone, or a server) used by a donor. A donor can use donor terminal 11 to make a donation to a local government (i.e., to pay the donation amount and order a gift in return).

[0038] The local government terminal 12 is a terminal (for example, a PC, a smartphone, or a server) used by the local government. In response to the donation information from the donor terminal 11, the local government terminal 12 places an order for the provision of a return gift with an intermediary (the management system 10).

[0039] The intermediate business operator terminal 13 is a terminal (for example, a PC, a smartphone, or a server) used by the intermediate business operator. The intermediate business operator uses the intermediate business operator terminal 13 to manage the settings of the management system 10 and the like.

[0040] The delivery company terminal 14 is a terminal (for example, a PC, a smartphone, or a server) used by the delivery company. The delivery company uses the delivery company terminal 14 to obtain information about the return gift (the donor's name, the return gift name, and the delivery address of the return gift) from the donor terminal 15. The delivery company may also use the delivery company terminal 14 to send arrival completion information to the management system 10, which indicates that the return gift has arrived at the donor.

[0041] The donor terminal 15 is a terminal (e.g., a PC, smartphone, or server) used by the donor. When the donor uses the donor terminal 15 to obtain order information (information such as the donor's name, the name of the return gift, and the delivery address of the return gift) from the management system 10, the donor ships the return gift to a delivery company so that the return gift will arrive at the donor indicated in the order information. At this time, the donor uses the donor terminal 15 to send information about the return gift (the donor's name, the name of the return gift, and the delivery address of the return gift) to the delivery company terminal 14.

[0042] Financial system 16 is a system used by a bank (financial institution). Financial system 16 manages deposits and withdrawals to and from two accounts (first account 161 and second account 162) of the intermediary business operator at the bank. During bank business hours, financial system 16 performs withdrawal processing (transfer processing) in accordance with a withdrawal instruction at the same time as the withdrawal instruction is received.

[0043] The first account 161 is an account for transferring (withdrawing) the consideration for providing a return gift to the provider's account. For example, money is not withdrawn from the first account 161 to anyone other than the provider who provides the return gift (if there are multiple providers, the multiple providers). The first account 161 is, for example, an account for a local government (a local government registered in the management system 10) that has a contract with a bank, together with an intermediary business operator. The credit limit (balance) is set based on the credit of the donor (the donor's account). The first account 161 is adjusted so that a balance of a certain amount or more is maintained. After the consideration for provision is transferred to the donor's account, the balance of the first account 161 is adjusted by, for example, transferring the amount of the consideration for provision from the second account 162 to the first account 161. The balance of the first account 161 may be adjusted by transferring the amount of the consideration for provision from the second account 162 to a third account for adjusting the credit limit of the first account 161. Here, the certain amount may be any amount that does not cause a delay in the transfer of the consideration for provision to the donor's account, and may be, for example, the total amount of withdrawal from the first account 161 in December of the previous year. This is because December is the month in which donations in hometown tax payments are concentrated throughout the year, and is the month in which the total amount of withdrawal from the first account 161 is the largest. In other words, it is difficult to imagine that an amount greater than the total withdrawal amount in December will be withdrawn from first account 161 in one month. In addition, in the case of first account 161 corresponding to a local government that specializes in a particular fruit, the certain amount may be the total withdrawal amount for one month during the previous year when that fruit is in season. This is because donations to local governments are concentrated during the season when that particular fruit is in season.

[0044] The second account 162 is an account to which the local government transfers to the intermediary business operator the outsourcing fee, the consideration for the provision of the return gift, and the usage fee for the financial system 16. Since the second account 162 is used for various purposes as described above, unlike the first account 161, the balance of the second account 162 is not necessarily adjusted to be maintained at a fixed amount.

[0045] Note that the intermediary does not necessarily have to prepare the first account 161 and the second account 162 in order to realize the processing of the management system 10 according to the present embodiment 1. For example, the first account 161 may not exist and the payment for the provision may be transferred from the second account 162 to the account of the provider.

[0046] (Detailed configuration of the management system) A detailed configuration of the management system 10 will be described with reference to Fig. 3. The management system 10 has a donor management system 101, a donation management system 102, and a withdrawal management system 103, as well as a data registration unit 104. Various data are registered in the data registration unit 104 so that each system in the management system 10 can refer to (share) the data (information).

[0047] The provider management system 101 includes a reception unit 111 , an ordering unit 112 , a shipping information acquisition unit 113 , and a billing unit 114 .

[0048] The reception unit 111 receives an application from the local government terminal 12 to use a return gift provision service (a return gift provision service using the management system 10) provided by an intermediary business operator.

[0049] The reception unit 111 also receives return gift information as an application for registering a return gift in the return gift provision service from the donor terminal 15. Here, the return gift information includes information such as the name of the return gift, the name of the donor, the provision fee, an overview of the return gift, and a photo of the return gift, as shown in FIG.

[0050] Furthermore, the reception unit 111 receives provider information from the provider terminal 15 as an application for use of the service of transferring the consideration provided at a set date and time. The provider information includes, for example, as shown in FIG. 4B, information such as the provider's name, overview of the provider, the provider's account number (transfer destination of the consideration provided), and the set date and time of withdrawal (transfer date and time of the consideration provided). For this reason, the provider can arbitrarily set the date and time at which the consideration provided is received as the set date and time. For example, the provider can set a specific time on the 20th of every month, a specific time on every Friday, or a specific time every day as the set date and time. In addition, the set date and time can be, for example, 10:00 on June 10th. The time may be within a certain range, such as 00 to 17:00. In this case, the transfer of the consideration for the provision and the instruction to transfer the consideration for the provision may be made at any timing within this range.

[0051] The order unit 112 transmits order information (information such as the donor's name, the name of the return gift, and the delivery address of the return gift) to the donor terminal 15 in order to place an order for the donor to provide the return gift.

[0052] After the donor has shipped the return gift to the delivery company, the shipping information acquisition unit 113 acquires shipping information from the donor terminal 15. For example, as shown in Fig. 4D, the shipping information includes information such as a management number for managing the donation, shipping date and time, the name of the delivery company (or an identification number for identifying the delivery company), and a delivery identification number (a number for identifying delivery).

[0053] When the return gift arrives at the donor (when the billing unit 114 determines that the return gift has arrived at the donor), it bills the local government to pay the amount of the consideration for providing the return gift, the commission fees, etc. to the intermediary business operator. Specifically, the billing unit 114 requests that the amount of the consideration for providing the return gift, the commission fees, etc. be transferred to the second account 162. This makes it possible to control the amount of money held by the intermediary business operator (the balance of the second account 162) so that it does not decrease significantly. For example, at the end of the month or on a specific day, the billing unit 114 bills all at once the amount of the consideration for providing the return gift and the commission fees that have been incurred up to that point.

[0054] The donation management system 102 includes a donation information acquisition unit 121 and a completion determination unit 122 .

[0055] The donation information acquisition unit 121 acquires donation information, which is information regarding donations from donors, from the local government terminal 12. As shown in FIG. 4C, the donation information includes, for example, a management number for managing the donation, the name of the local government indicating the local government to which the donation was made, the donation amount, the name of the return gift corresponding to the donation, the name of the donor, the delivery address of the return gift, and the provision status (arrival status) of the return gift. The donation information may also include the name of the provider providing the return gift. At the time when the donation information acquisition unit 121 acquires the donation information from the local government terminal 12, the provision information indicates that the return gift has not been provided (has not arrived).

[0056] The completion determination unit 122 determines whether the return gift has arrived at the donor (provision of the product has been completed). For example, the completion determination unit 122 determines whether provision of the product has been completed depending on whether arrival completion information has been acquired from the delivery company terminal 14. The arrival completion information includes, for example, the name of the delivery company, the delivery identification number, and arrival date and time, as shown in FIG. 4E.

[0057] The withdrawal management system 103 has an instruction sending unit 132. The instruction sending unit 132 sends an instruction to the financial system 16 to withdraw (transfer) the provided consideration from the account of the intermediary (first account 161) to the account of the provider.

[0058] The management system 10 can be configured by a computer equipped with a CPU (processor; control device) or a memory and storage. In this case, the configuration shown in Fig. 3 is realized by loading a program stored in the storage into the memory and having the CPU execute the program. Alternatively, all or part of the configuration in the management system 10 may be configured by ASIC, FPGA, or the like. Alternatively, all or part of the configuration may be realized by cloud computing or distributed computing.

[0059] (Processing municipal registrations) The process of registering a local government that uses the return gift providing service will be described with reference to the flowchart of FIG. 5A. The process of the flowchart of FIG. 5A is performed for each local government. It will be executed.

[0060] In step S1001, the reception unit 111 determines whether or not an application for the use of the return gift provision service has been received from the local government terminal 12. If it is determined that the application for the use of the return gift provision service has been received, the process proceeds to step S1002. If it is determined that the application for the use of the return gift provision service has not been received, the process of step S1001 is repeated.

[0061] In step S1002, the reception unit 111 registers the local government that has received the application for the return gift provision service as a user of the return gift provision service in the data registration unit 104. The local government registered in the data registration unit 104 becomes able to use the return gift provision service (order the provision of a return gift from an intermediary business operator).

[0062] (Processing provider registration) The provider registration process for registering a provider who provides a return gift will be described with reference to the flowchart in Fig. 5B. The process in the flowchart in Fig. 5B is executed for each provider.

[0063] In step S2001, the reception unit 111 determines whether or not the return gift information (see FIG. 4A) has been acquired from the provider terminal 15 as an application for return gift registration. If it is determined that the return gift information has been acquired, the process proceeds to step S2002. If it is determined that the return gift information has not been acquired, the process of step S2001 is repeated.

[0064] In step S2002, the reception unit 111 registers the return gift information (return gift) in the data registration unit 104. This enables the registered local government to use the local government terminal 12 to place an order for the provision of the return gift indicated in the return gift information registered in the data registration unit 104. In addition, by making a donation, the donor can request the local government to deliver the return gift indicated in the return gift information registered in the data registration unit 104 to him or her.

[0065] In step S2003, the reception unit 111 judges whether or not an application for using a service (early transfer service) for transferring the payment for the return gift to the account of the donor at a set date and time after the return gift is delivered to the donor has been received from the donor terminal 15. Here, when the reception unit 111 acquires donor information from the donor terminal 15, it judges that an application for using the early transfer service (application for the early transfer service) has been received. If it is determined that the application for the early transfer service has been received, the process proceeds to step S2004. If it is determined that the application for the early transfer service has not been received, the process of this flowchart ends. Note that, for donors who have not applied for the early transfer service, the payment for the return gift is transferred to the account of the donor at a date and time (for example, the end of the month) agreed upon between the intermediary business operator and the local government. Specifically, when this date and time is reached after the completion of the provision of the return gift, the instruction transmission unit 132 transmits an instruction to the financial system 16 to transfer the payment for the return gift from the first account 161 to the account of the donor. In addition, instead of the date and time agreed upon between the intermediary business operator and the local government, the date and time may be the date and time agreed upon by the local government.

[0066] In step S2004, the reception unit 111 registers the provider information in the data registration unit 104. As a result, the provider indicated by the provider information registered in the data registration unit 104 becomes able to use the early transfer service.

[0067] According to the flowchart of FIG. 5A, the local government is registered in the data registration unit 104 based on information from the local government terminal 12, but the local government may be registered in the data registration unit 104 based on information input to the intermediary business terminal 13, for example. Similarly, based on information input to the intermediary business terminal 13 (gift information and business information), for example, this information may be registered in the data registration unit 104. The information may be registered in the data registration unit 104 .

[0068] (Withdrawal management processing) With reference to the flowchart in Fig. 6, the withdrawal management process for paying the return gift provision price into the provider's account as an early transfer service will be described. Note that the "local government" in this flowchart refers to the local government registered in data registration unit 104 in step S1002. Also, the "provider" in this flowchart refers to the provider indicated by the return gift information registered in data registration unit 104 in step S2002 and also the provider indicated by the provider information registered in data registration unit 104 in step S2004.

[0069] In step S3001, the donation information acquisition unit 121 determines whether or not donation information has been acquired from the local government terminal 12. If it is determined that donation information has been acquired, the process proceeds to step S3002. If it is determined that donation information has not been acquired, the process of step S3001 is repeated.

[0070] In step S3002, the donation information acquisition unit 121 determines that the provision of a return gift has been requested by the local government (requester), and registers the donation information in the data registration unit 104.

[0071] In step S3003, the ordering unit 112 finds a provider capable of providing a gift corresponding to the donation information by comparing the gift name indicated in the donation information with the gift name indicated in the gift information. Then, the ordering unit 112 transmits the order information (information such as the donor's name, the gift name, and the delivery address of the gift) to the provider terminal 15 of the provider. In this way, the ordering unit 112 orders the provider to provide the gift. In hometown tax donations, the gift and the provider who provides the gift correspond one-to-one, and the donor is usually presented with the name of the provider along with the gift name. For this reason, although it is less necessary to consider this in hometown tax donations, for example, if there are multiple providers who can provide a gift corresponding to the donation information and the donor does not select a provider, the ordering unit 112 may randomly select one provider from the multiple providers.

[0072] In step S3004, the shipping information acquisition unit 113 judges whether or not the shipping information has been acquired from the provider terminal 15. If it is judged that the shipping information has been acquired, the process proceeds to step S3005. If it is judged that the shipping information has not been acquired, the process of step S3004 is repeated.

[0073] In step S3005, the completion determination unit 122 checks the delivery status, which is the status of whether or not the return gift has arrived (delivered) to the donor. For example, the completion determination unit 122 inquires of the delivery company terminal 14 about the delivery status (arrival status) of the return gift based on the information (delivery company name and delivery identification number) indicated in the shipping information. Alternatively, the completion determination unit 122 checks (determines) whether or not arrival completion information has been acquired from the delivery company terminal 14.

[0074] In step S3006, the completion determination unit 122 determines whether the return gift has arrived at the donor (arrival has been completed). If it is determined that the return gift has arrived at the donor, the process proceeds to step S3007. If it is determined that the return gift has not arrived at the donor, the process proceeds to step S3005.

[0075] In step S3007, the completion determination unit 122 changes the donation status in the donation information registered in the data registration unit 104 to "donated."

[0076] In step S3008, it is determined whether the current date and time has reached the set date and time indicated by the provider information. If it is determined that the current date and time has reached the set date and time, the process proceeds to step S3009. If it is determined that the current date and time has not reached the set date and time, the process of step S3008 is repeated.

[0077] Here, the set date and time is, for example, a specific time at the end of the month, or a specific time every Friday.

[0078] In step S3009, the instruction sending unit 132 sends an instruction to the financial system 16 to transfer (withdraw) the provision consideration from the first account 161 to the provider's account at the set date and time. At this time, the first account 161 contains, for example, a balance of 5 billion yen. Note that the financial system 16 transfers (withdraws) the provision consideration from the first account 161 to the provider's account immediately after receiving the instruction (at the set date and time).

[0079] In step S3010, the instruction transmission unit 132 transmits an instruction to the financial system 16 to transfer (withdraw) money equivalent to the provided consideration from the second account 162 to the first account 161. According to this, the money equivalent to the provided consideration is immediately transferred to the first account 161, so that a certain amount of money (amount of money equal to or greater than a specific amount) is always maintained. This reduces the possibility that the provided consideration is not transferred from the first account 161 to the provider's account. Note that the instruction transmission unit 132 may transmit an instruction to the financial system 16 to transfer money equivalent to the provided consideration from the second account 162 to an account for adjusting the credit limit of the first account 161. In other words, the instruction transmission unit 132 may transmit any instruction as long as it can instruct the first account 161 to adjust the balance so that it is maintained equal to or greater than a specific amount.

[0080] Even if there are cases where the amount of money for the provision cannot be transferred from the second account 162 to the first account 161, the balance in the first account 161 has been adjusted so that a certain amount of money is maintained until then. For this reason, it is unlikely that the provision consideration will not be transferred from the first account 161 to the provider's account. In other words, even if the balance in the second account 162 is zero, the provider can receive the provision consideration (it can be said that the provider is given priority in repayment).

[0081] The order of steps S3009 and S3010 may be reversed, or steps S3009 and S3010 may be performed simultaneously. Steps S3009 and S3010 may be performed before or after the local government (requester) pays the intermediate business operator the amount of the consideration for the provision of the return gift, the commission fee, and the like.

[0082] According to the first embodiment, as shown in Fig. 7, the withdrawal is made when the set date and time arrives after the arrival of the return gift. If the withdrawal is made as in the first embodiment, the withdrawal can be made earlier than when the provider makes a request after the return gift arrives and the withdrawal is made thereafter (as in the case of the comparative example 1 shown in Fig. 7). In other words, the period during which the provider bears the costs relating to the provision of the return gift can be shortened (the burden relating to the provision of the return gift can be reduced).

[0083] Furthermore, when the withdrawal is made as in embodiment 1, the risk to the intermediary business operator is reduced compared to when the withdrawal is made at the time of ordering (or shipping) the return gift from the donor (as in comparative example 2 shown in FIG. 7). Specifically, in the case of comparative example 2, there is a possibility that the donor will not deliver the return gift to the donor after the withdrawal. On the other hand, according to embodiment 1, the withdrawal is made after the return gift has arrived, so there is no possibility that the return gift will not reach the donor.

[0084] Furthermore, in the first embodiment, the set date and time is a date and time that is set for each provider. This allows the provider to accurately know when they will receive the payment for the service. For example, if the provider has delivered (handed over) multiple return gifts to the corresponding donors by a set date and time (such as 5 p.m. on the 20th of each month), the payment for the multiple return gifts (the total payment for multiple donations) will be transferred to the provider's account in a lump sum on the set date and time. This makes it easier for the provider to manage the payment than if the payment were transferred separately. In other words, it also reduces the provider's operational costs for providing return gifts.

[0085] The set date and time may be set for each donation, not for each donor. In such a case, the set date and time may be set to a date and time a predetermined time (e.g., 30 minutes or one hour) after the donation status in the donation information is changed to "Provided" (i.e., the donation is delivered to the donor). Setting the date and time in this manner can further reduce the period during which the donor must pay the cost of providing the donation. The set date and time does not necessarily have to be set, and the instruction sending unit 132 may execute the processes of steps S3009 and S3010 when it is determined that the product has been delivered to the donor.

[0086] Furthermore, in the first embodiment, the management system 10 transmits an instruction to a bank (financial institution) to transfer the provision fee to the account of the provider at the set date and time, and the bank transfers the provision fee to the account of the provider at the set date and time. However, for example, the management system 10 may transmit a transfer instruction (an instruction to reserve a transfer) to the bank before the set date and time so that the provision fee is transferred to the account of the provider at the set date and time. In other words, as long as the provision fee can be transferred at the set date and time, the timing of the transfer instruction and the timing of the actual transfer do not have to coincide.

[0087] Although the above description assumes that the return gift is delivered to the donor, the return gift may be delivered (provided) to a third party (beneficiary) other than the donor. For example, the donor may make a donation (order a return gift) so that the return gift will be delivered to the donor's relative. The provider may also act as a delivery company.

[0088] Furthermore, the consideration for the provision is not limited to being transferred to the account of the provider. For example, the consideration for the provision may be transferred from the first account 161 to the provider as electronic money points used by the provider.

[0089] <Variation 1> In the first embodiment, an example of providing a gift (product) in return for a hometown tax payment (donation) has been described, but the management system 10 can also be applied to a case where a service (service) is provided in return for a donation. The provision of a service can be, for example, transportation by taxi or bus, admission to a local facility (art gallery or museum), cleaning of a garden or grave, or lectures on a specific academic subject.

[0090] In this case, as shown in Figure 8, the provider provides the service directly to the donor, so unlike Figure 1, there is no delivery company. For this reason, (2) when the local government places an order for the provision of a service as a return gift with the intermediary business, (3) the intermediary business places an order for the provider to provide the service, and then (4) the provider provides the service to the donor. Then, (5) when the provider sends a notice to the intermediary business that the provision of the service has been completed (provision completion information), (6) the intermediary business instructs the bank to transfer the payment for the service to the provider's account.

[0091] The withdrawal management process according to the first modified example will be described with reference to the flowchart in Fig. 9. Only steps S4001 and S4002 will be described below. Note that the other steps S3001, S3002, and S3007 to S3010 are the same as the steps with the same names in Fig. 6. This is the same as the process in the previous example, except that "return gift" is replaced with "service." In addition, in this modification, the donation information includes a "service name" instead of a "return gift name," and includes a "service provision location" instead of a "delivery destination."

[0092] In step S4001, the order unit 112 transmits order information (information such as the donor's name, the service name, and the location where the service is provided) to the donor terminal 15, thereby placing an order for the provision of the service to the donor.

[0093] In step S4002, the completion determination unit 122 determines whether the provision of the service at the service provision location indicated by the order information has been completed. Specifically, the completion determination unit 122 determines whether the provision of the service has been completed based on whether information indicating that the provision of the service has been completed is acquired from the provider terminal 15 at the time of completion of the provision. If it is determined that the provision of the service has been completed, the process proceeds to step S3007. If it is determined that the provision of the service has not been completed, the process of step S4002 is repeated.

[0094] According to the first modification, even if the service is provided to the donor at a specific location, the service fee is paid into the donor's account at the set date and time after the donor completes the service. This allows the donor to receive the service fee at the date and time of their choice, reducing the donor's burden.

[0095] <Variation 2> In the first embodiment and the first variant example, an example of providing a return gift (gift or service) for hometown tax donations has been described, but the management system 10 can also be applied in cases where products or services are provided using an EC (Electronic Commerce) site.

[0096] In this case, as shown in Fig. 10, the "donor" in the first embodiment is replaced with the "orderer" and the "donation" is replaced with the "order". The "local government" is replaced with the "EC site operator" or the "EC site", and the "return gift" is replaced with the "product". In this way, when an orderer orders a product using the EC site, the product can be delivered by the provider to the orderer, and the payment for the product can be transferred to the provider's account at the set date and time.

[0097] In addition, in the first variant example, "donor" may be read as "orderer," "donation" may be read as "order," and "local government" may be read as "EC site operator" or "EC site."

[0098] In addition, in the second modification, the EC site operator and the intermediary business operator may be the same entity. In this case, (2) ordering of the provision of the product, (10) billing for the price, and (11) transfer of the price in FIG. 10 may not be performed.

[0099] According to the second modification, even when an orderer uses an EC site to order a service or product, the cost of the service is paid into the provider's account at a set date and time after the provider completes the service. This allows the provider to receive the cost of the service at a desired date and time, reducing the burden on the provider.

[0100] The configurations and processes described in the above-described embodiments and modifications of the present invention can be used in any combination. [Explanation of symbols]

[0101] 10: Management system, 16: Financial system, 101: donor management system, 102: donation management system, 103: withdrawal management system, 161: first account, 162: second account, 111: Reception department, 112: Ordering department, 113: Shipping information acquisition department, 114: Billing department, 121: Donation information acquisition unit, 122: Completion judgment unit, 132: instruction transmission unit, 104: data registration unit

Claims

A management system for transmitting an instruction to transfer a provision price to a provider who provides an experience-based service as a gift to a donor who donates to a local government, which is transmitted by an intermediary who orders the provider to provide the service upon receiving a request from the local government to a financial institution, wherein: When the donor staying at the local government donates to the local government and orders the provision of the service at the provision location located in the local government as a gift for the donation, a receiving means for receiving donation information including the amount of the donation to the local government and the order; A determination means for determining whether the donation by the donor to the local government is completed based on the donation information, and determining whether the provision of the service by the provider to the donor is completed according to information transmitted from the provider at the completion of the provision of the service; A transmission means for transmitting an instruction to the financial institution so that when it is determined that the donation is completed and the provision of the service is completed, the provision price of the service is transferred from the account of the intermediary to the provider at a set date and time set in advance according to the wish of the provider; A billing means for billing the local government to pay at least the amount of the provision price to the intermediary when it is determined that the provision of the service is completed; A management system characterized by comprising the above.

2. When it is determined that the donation is completed and the provision of the service is completed, the transmission means transmits an instruction to transfer the provision price to the provider to the financial institution at the set date and time. The management system according to claim 1, characterized by the above.

3. The set date and time is a date and time determined by the provider itself for each provider. The management system according to claim 1, characterized by the above.

4. A first date and time is set as the set date and time for the first provider. When multiple provisions of the service are completed by the first date and time for the first provider, the transmission means transmits an instruction to transfer the total amount of the provision price corresponding to the multiple provisions of the service to the first provider to the financial institution so that the total amount of the money is transferred to the first provider at the first date and time. The management system according to claim 3, characterized by the above. **Claim 5**: The sending means, when it is determined that the donation is completed and the provision of the service is completed, sends to the financial institution an instruction to transfer the consideration for the provision of the service from the account of the intermediary to the provider, and an instruction to adjust the balance of the account of the intermediary so that a balance of a specific amount or more is maintained in the account of the intermediary. The management system according to claim 1, characterized by having the above. **Claim 6** The sending means, even before the local government pays the money of the amount of the consideration for the provision to the intermediary, when it is determined that the donation is completed and the provision of the service is completed, sends to the financial institution an instruction to transfer the consideration for the provision of the service from the account of the intermediary to the provider. The management system according to claim 5, characterized by the above. **Claim 7**: A withdrawal management method executed by a computer for the intermediary, which receives a request from the local government to order the provider to provide the service, to send to the financial institution an instruction to transfer the consideration for the service to the provider as a reward for the donor who donates to the local government, wherein the computer has a receiving step of receiving donation information including the amount of donation to the local government and the order when the donor staying in the local government donates to the local government and orders the provision of the service at the provision location located in the local government as a reward for the donation; a determination step in which the computer determines whether or not the donation by the donor to the local government is completed based on the donation information, and determines whether or not the provision of the service by the provider to the donor is completed according to the information transmitted from the provider at the completion of the provision of the service; a sending step in which the computer, when it is determined that the donation is completed and the provision of the service is completed, sends an instruction to the financial institution so that the consideration for the provision of the service is transferred from the account of the intermediary to the provider at a preset date and time according to the wish of the provider; a billing step in which the computer, when it is determined that the provision of the service is completed, bills the local government to pay at least the amount of the consideration for the provision to the intermediary. The withdrawal management method is characterized by having the above. **Claim 8** A program for causing the computer to execute each step of the withdrawal management method according to claim 7.

Images