Information processing method and terminal

Abstract

To solve the problem that a user cannot change a value corresponding to money to the money to transmit the money by advance type payment means in the case that the user does not have an account for performing fund transfer.SOLUTION: An information processing device executes a step for receiving a transmission request including amount value information showing an amount to be transmitted from a first terminal of a first user, a step for receiving a reception request including a reception instruction showing a choice to receive a portion or all of the amount by advance type payment means or fund transfer means from a second terminal of a second user having no account of the fund transfer means, and a step for determining the reception of a part or all of the amount by the second user by the advance type payment means or the fund transfer means according to the reception request.SELECTED DRAWING: Figure 4

Description

[Technical field]

[0001] The present invention relates to an information processing method and terminal, and more particularly to an information processing method and terminal for transferring money to a user who does not have an account with a fund transfer means. [Background technology]

[0002] In recent years, instead of transferring money to a bank account, person-to-person remittance using a terminal such as a smartphone has become more common. Laws such as the Fund Settlement Act (the so-called Fund Settlement Act) and the Act on Prevention of Transfer of Criminal Proceeds (the so-called Criminal Proceeds Transfer Prevention Act) impose certain requirements on the transfer of money between individuals. For example, if both the sending user and the receiving user do not have an account for transferring funds that can be opened after a required identity verification, both users cannot transfer money between individuals.

[0003] In recent years, points (value) that can be purchased with money are also used as a payment method (prepaid payment method) using a terminal such as a smartphone under certain conditions. Since prepaid payment methods do not require identity verification, the psychological barrier to starting to use prepaid payment methods tends to be low, and prepaid payment methods are used by many users. Therefore, a more flexible and convenient remittance method can be provided by allowing users who use prepaid payment methods but do not have an account for transferring funds to open an account for transferring funds or by using the transmission of value instead of transferring funds. Summary of the Invention [Problem to be solved by the invention]

[0004] If a user does not have an account for transferring funds, when another user transfers money to the user, and when the user transfers money to another user, the value equivalent to money via a prepaid payment instrument (such as points) cannot be exchanged for money and sent. As a secondary effect, there is the inconvenience of the user being unable to open an account for transferring funds in the process of transferring funds. Even if the user has an account for transferring funds, there is the inconvenience of the user being unable to select to receive money sent from another user as money or a value equivalent to money. [Means for solving the problem]

[0005] An information processing method according to one embodiment of the present disclosure can cause an information processing device to execute the steps of receiving a send request from a first terminal of a first user, the send request including monetary value information indicating an amount to be sent; receiving a receive request from a second terminal of a second user who does not have an account with a fund transfer means, the receive request including a receive instruction indicating a choice of receiving all or part of the amount via a prepaid payment means or a fund transfer means; and determining, in response to the receive request, that the second user will receive all or part of the amount via a prepaid payment means or a fund transfer means.

[0006] An information processing method according to one embodiment of the present disclosure includes a step of receiving a send request including monetary value information indicating a value to be sent from a second terminal of a second user who does not have an account with a fund transfer means, a step of sending information to a first terminal of a first user to allow the user to select whether part or all of the value will be transmitted using either a prepaid payment means or a fund transfer means, and a step of receiving a receive request from the first terminal including a receive instruction indicating that part or all of the value will be received using either the prepaid payment means or the fund transfer means.

[0007] In one embodiment of the present disclosure, a terminal used by a second user who does not have an account with the fund transfer means comprises a processor, an input / output interface, and an output device, and causes the processor to receive information via the input / output interface for selecting whether to receive part or all of the amount through either the prepaid payment means or the fund transfer means based on a transmission request including information indicating an amount sent from a terminal used by a first user who has an account with the fund transfer means, and to present the information on the output device.

[0008] An information processing method according to one embodiment of the present disclosure includes a step of receiving a billing request from a first terminal of a first user, the billing request including information specifying that a bill to a second user is to be made via at least one of a prepaid payment instrument and a funds transfer instrument, and a step of determining that the second user is not associated with an account of a funds transfer instrument in response to receiving the billing request sent from the first terminal. [Brief description of the drawings]

[0009] [Figure 1] 1 illustrates a configuration of a communication system according to an embodiment of the present disclosure. [Diagram 2] 2 shows a hardware configuration of an information processing device included in the communication system. [Diagram 3] The configuration of the server and the terminal is shown. [Figure 4] 2 shows a process of the communication system 1 according to the first embodiment. [Diagram 5] 13 shows a process of the communication system 1 according to the second embodiment. [Figure 6] 13 shows a process of the communication system 1 according to the third embodiment. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0010] <Legal compliance> The disclosure described herein, when implemented, is implemented in compliance with the laws and regulations of the countries in which the disclosure is implemented. In addition, the disclosure described herein is implemented with all changes, substitutions, variations, modifications, and alterations that a person skilled in the art can make that are necessary to comply with the laws and regulations of the countries.

[0011] An embodiment for implementing an information processing method and a terminal according to the present disclosure will be described with reference to the drawings. In the following description, the same reference numbers and characters used in the drawings represent the same elements unless otherwise specified.

[0012] <System configuration> Fig. 1 illustrates a configuration of a communication system 1 according to an embodiment of the present disclosure. As illustrated in Fig. 1, in the communication system 1, a server 110A, a server 110B, a terminal 120A, a terminal 120B, and a terminal 120C are connected via a network 130.

[0013] In the present disclosure, when there is no need to distinguish between server 110A and server 110B, server 110A and server 110B may each be expressed as server 110.

[0014] In the present disclosure, when there is no need to distinguish between terminal 120A, terminal 120B, and terminal 120C, terminal 120A, terminal 120B, and terminal 120C may each be expressed as terminal 120.

[0015] In the present disclosure, when it is not necessary to distinguish between the server 110 and the terminal 120, the server 110 and the terminal 120 may each be expressed as an information processing device 200. Note that the number of information processing devices 200 connected to the network 130 is not limited.

[0016] The server 110 provides a predetermined service to the terminal 120 used by the user via the network 130. The predetermined service includes, but is not limited to, a payment service, a financial service, an electronic commerce service, a social networking service (SNS) represented by an instant messaging service, a content providing service such as music, videos, and books, and the like. The server 110 may provide one or more predetermined services independently, or may provide one or more predetermined services in combination. When the user uses the predetermined service via the terminal 120, the server 110 can provide the predetermined service to one or more terminals 120.

[0017] If necessary, the terminal used by user X is expressed as terminal 120X, and user information in a predetermined service associated with user X or terminal 120X is expressed as user information X. Note that user information is information of a user associated with an account used by the user in a predetermined service. User information includes, but is not limited to, information associated with a user, such as a user identifier, a user name, a user icon image, a user age, a user sex, a user address, a user hobbies and interests, and a user identifier, which are input by the user or given by a predetermined service, balance information of electronic value (electronic money) associated with the user, and credit card information (such as a credit card number) associated with the user, and may be any one or a combination of these.

[0018] The network 130 serves to connect two or more information processing devices 200. The network 130 refers to a communication network that provides a connection path so that the terminal 120 can connect to the server 110 and then transmit and receive data.

[0019] One or more portions of the network 130 may be a wired network, a wireless network, or a combination of wired and wireless networks. The network 130 may include, by way of example and without limitation, an ad hoc network, an intranet, an extranet, a virtual private network (VPN), a local area network (LAN), a wireless LAN (WLAN), a wide area network (WAN), a wireless WAN (WWAN), a metropolitan area network (MAN), a portion of the Internet, a portion of the Public Switched Telephone Network (PSTN), a cellular network, Integrated Service Digital Networks (ISDNs), wireless LANs, Long Term Evolution (LTE), Code Division Multiple Access (CDMA), Bluetooth, satellite communications, or the like, or a combination of two or more thereof. The network 130 may include one or more networks 130.

[0020] Information processing device 200 may be any information processing device capable of implementing the functions and methods described in this disclosure.

[0021] The information processing device 200 may include, for example and without limitation, a smartphone, a mobile phone (feature phone), a computer (for example and without limitation, a desktop, laptop, tablet, etc.), a server device, a media computer platform (for example and without limitation, a cable or satellite set-top box, digital video recorder, etc.), a handheld computer device (for example and without limitation, a PDA (Personal Digital Assistant), email client, etc.), a wearable terminal (for example and without limitation, a glasses-type device, a watch-type device, etc.), other types of computers, or communication platforms.

[0022] <Hardware configuration> FIG. 2 shows a hardware configuration of an information processing device 200 included in the communication system 1.

[0023] The information processing device 200 includes a processor 201, a memory 202, a storage 203, an input / output interface (input / output I / F) 204, and a communication interface (communication I / F) 205. The hardware components of the information processing device 200 are connected to each other via a bus B, for example and not for limitation.

[0024] The information processing device 200 realizes the functions and / or methods described in this disclosure through cooperation between a processor 201, a memory 202, a storage 203, an input / output I / F 204, and a communication I / F 205.

[0025] The processor 201 executes functions and methods realized by codes or instructions included in a program stored in the storage 203. The processor 201 includes, but is not limited to, a central processing unit (CPU), a micro processing unit (MPU), a graphics processing unit (GPU), a microprocessor, a processor core, a multiprocessor, an application-specific integrated circuit (ASIC), a field programmable gate array (FPGA), and the like, and may realize each process disclosed in each embodiment by a logic circuit (hardware) or a dedicated circuit formed in an integrated circuit (an integrated circuit (IC) chip, a large scale integration (LSI)), and the like. In addition, these circuits may be realized by one or more integrated circuits, and a plurality of processes shown in each embodiment may be realized by one integrated circuit. In addition, an LSI may be called a VLSI, a super LSI, an ultra LSI, and the like depending on the degree of integration.

[0026] The memory 202 temporarily stores the programs loaded from the storage 203 and provides a working area for the processor 201. The memory 202 also temporarily stores various data generated while the processor 201 is executing the programs. The memory 202 includes, but is not limited to, a random access memory (RAM), a read only memory (ROM), and the like.

[0027] The storage 203 stores programs. The storage 203 includes, but is not limited to, a hard disk drive (HDD), a solid state drive (SSD), a flash memory, and the like.

[0028] The communication I / F 205 transmits and receives various data via the network 130. The communication may be performed either wired or wirelessly, and any communication protocol may be used as long as the mutual communication can be performed. The communication I / F 205 has a function of performing communication with other information processing devices via the network 130. The communication I / F 205 transmits various data to other information processing devices according to instructions from the processor 201. The communication I / F 205 also receives various data transmitted from other information processing devices and transmits it to the processor 201.

[0029] The input / output I / F 204 includes an input device for inputting various operations to the information processing device 200, and an output device for outputting processing results processed by the information processing device 200. The input / output I / F 204 may be an integrated input device and an output device, or may be separate input device and output device.

[0030] The input device is realized by any one or a combination of all kinds of devices that can receive input from a user and transmit information related to the input to the processor 201. Examples of the input device include, but are not limited to, a touch panel, a touch display, hardware keys such as a keyboard, a pointing device such as a mouse, a camera (operation input via an image), and a microphone (operation input by voice).

[0031] The output device is realized by any one of all types of devices capable of outputting the processing result processed by the processor 201, or a combination thereof. When the processing result is output as a video or a moving image, the output device is realized by any one of all types of devices capable of displaying the display data according to the display data written in the frame buffer, or a combination thereof. Examples of the output device include, but are not limited to, a touch panel, a touch display, a monitor (for example, but not limited to, a liquid crystal display, an OELD (Organic Electroluminescence Display), etc.), a head mounted display (HDM: Head Mounted Display), projection mapping, a hologram, a device capable of displaying images, text information, etc. in the air (which may be a vacuum), a speaker (audio output), a printer, etc. Note that these output devices may be capable of displaying display data in 3D.

[0032] The programs of the embodiments of the present disclosure may be provided in a state stored in a computer-readable storage medium. The storage medium can store the programs in a "non-transitory tangible medium." The programs include, but are not limited to, software programs and computer programs.

[0033] The storage medium may, where appropriate, include one or more semiconductor-based or other integrated circuits (ICs) (such as, by way of example and not limitation, field programmable gate arrays (FPGAs), application specific ICs (ASICs), hard disk drives (HDDs), hybrid hard drives (HHDs), optical disks, optical disk drives (ODDs), magneto-optical disks, magneto-optical drives, floppy diskettes, floppy disk drives (FDDs), magnetic tapes, solid state drives (SSDs), RAM drives, secure digital cards or drives, any other suitable storage media, or any suitable combination of two or more of these. The storage medium may, where appropriate, be volatile, non-volatile, or a combination of volatile and non-volatile.

[0034] Furthermore, the program of the present disclosure may be provided to the information processing device 200 via any transmission medium (such as a communication network or broadcast waves) capable of transmitting the program.

[0035] Furthermore, each embodiment of the present disclosure may also be realized in the form of a data signal embedded in a carrier wave in which a program is embodied by electronic transmission.

[0036] Note that the programs of the present disclosure are implemented using, by way of example and not limitation, scripting languages ​​such as JavaScript (registered trademark) and Python, C language, Go language, Swift, Kotlin, Java (registered trademark), and the like.

[0037] At least a part of the processing in the information processing device 200 may be realized by cloud computing configured by one or more computers.

[0038] At least a part of the processing in the information processing device 200 may be performed by another information processing device. In this case, at least a part of the processing of each functional unit realized by the processor 201 may be performed by the other information processing device.

[0039] <Method of transferring funds> Person-to-person remittance is known as a service for transferring money from user A's terminal 120A to user B's terminal 120B without going through a bank. Person-to-person remittance is realized by a system that provides person-to-person remittance. User A and user B cannot send or receive money unless they both have an account for a fund transfer means, which is a means for performing person-to-person remittance. A user can open an account for a fund transfer means after performing identity verification based on the Act on Prevention of Transfer of Criminal Proceeds (hereinafter simply referred to as "identity verification"). KYC (Know Your Customer) is known as a method for identity verification, and in particular, eKYC (electronic Know Your Customer) is known as a method for electronic identity verification.

[0040] Once a User's identity has been validly verified, the User may open a Fund Transfer Means account. The User may associate money with the Fund Transfer Means account. The association of money may be accomplished by transferring funds from the User's bank account to the Fund Transfer Means account, or by transferring funds from another User's Fund Transfer Means account. By associating money with the Fund Transfer Means account, the User may use some or all of the money to make payments or transfer money to other Users.

[0041] <Prepaid payment instruments> Point transmission is known as a service in which user A transmits a value equivalent to money (e.g., points) to user B. Point transmission is realized by a system that provides point transmission. Person-to-person remittance and point transmission can also be realized by using the same system. By paying money, users can obtain points equivalent to that money and save them in a points account. Users can use the points in place of money when purchasing goods or receiving services from the system provider or from organizations or individuals associated with the system provider.

[0042] Since points can be acquired in advance by a user through purchases using money and then used, payment with points is called a prepaid payment method. A user can associate a value equivalent to money with the account of his / her prepaid payment method and provide part or all of that value to other users. Points may be provided to a user free of charge by a system provider or the like, or part or all of the points may be provided for a fee.

[0043] For ease of understanding, points are used as an example of the prepaid payment means, but the prepaid payment means may be realized by a mechanism other than points. More specifically, the prepaid payment means may be miles used in mileage services provided by airlines, coins that can be used in games, items such as jewels, and other items that can be converted into cash and used in a specific service.

[0044] <Other> Unless explicitly stated, the judgment configuration in the embodiments of the present disclosure is not required, and a specified process may be performed when the judgment condition is satisfied, or a specified process may be performed when the judgment condition is not satisfied.

[0045] In this disclosure, unless expressly stated or indicated by context, "at least one of A and B" means "A, B, or both." Furthermore, unless expressly stated or indicated by context, "a," "an," or "the" shall mean "one or more." Thus, in this specification, unless expressly stated or indicated by context, "an A" or "the A" means "one or more A."

[0046] The present disclosure encompasses all changes, substitutions, variations, modifications, or alterations that a person skilled in the art may make to the embodiments and examples of the present disclosure. The appended claims also encompass all changes, substitutions, variations, modifications, or alterations that a person skilled in the art may make to the embodiments and examples of the present disclosure. Furthermore, the present disclosure encompasses any combination of one or more features of an embodiment or example in the present disclosure with one or more features of another embodiment or example in the present disclosure that a person skilled in the art may make. In addition, a reference in the appended claims to an apparatus or system or an apparatus or system component that is adapted, arranged, capable, configured, enabled, operable, or capable of performing a particular function encompasses the apparatus, system, component, or particular function thereof, whether or not the apparatus, system, component, or particular function thereof is activated, turned on, or unlocked, so long as the apparatus, system, or component is so adapted, arranged, capable, configured, enabled, enabled, or capable of performing the function.

[0047] In the present disclosure, unless otherwise specified, consent may be obtained from a user in advance or immediately before the implementation of any embodiment or example. In addition, the consent obtained may be comprehensive or may be obtained on a case-by-case basis.

[0048] First Embodiment The first embodiment is an embodiment for realizing remittance of money and transmission of points between the account of a fund transfer means of user A and the account of a prepaid payment means or fund transfer means of user B, who does not have an account of a fund transfer means.

[0049] The first embodiment has the effect of enabling a user who has an account with a fund transfer means to transmit monetary value (money, points, etc.) associated with the account to a user who does not have an account with the fund transfer means.

[0050] <Functional configuration of the first embodiment> The configuration of the server 110 and the terminal 120 is shown in Fig. 3. The functional units shown in Fig. 3 are realized by cooperation between a processor 201, a memory 202, a storage 203, an input / output I / F 204, and a communication I / F 205 included in the information processing device 200.

[0051] (1) Functional configuration of the server The server 110 (110A) has an input / output unit 311, a transmission / reception unit 312, a control unit 313, a storage unit 314, a generation unit 315, a display processing unit 316, a funds transfer means control unit 317, and a prepaid payment means control unit 318. The functions or processes of each functional unit may be realized by machine learning or AI (Artificial Intelligence) to the extent feasible. The server 110B may also have a similar configuration to the server 110A.

[0052] The input / output unit 311 functions as an input unit or an output unit, and receives various setting operations and the like from businesses that operate the various services provided by the server 110.

[0053] The transmitting / receiving unit 312 transmits and receives data to and from the terminal 120 in accordance with instructions from the control unit 313. When the user of the terminal 120 is authenticated by the user ID and password included in a login request from the terminal 120, for example, the transmitting / receiving unit 312 connects a communication session using HTTPS or the like with the terminal 120, etc. Then, the transmitting / receiving unit 312 stores the communication address and user ID of the terminal 120, etc. in association with the ID of the connected communication session. Then, the transmitting / receiving unit 312 transmits data to the terminal 120, etc. using the connected communication session.

[0054] The control unit 313 has a generation unit 315, a display processing unit 316, a funds transfer means control unit 317, and a prepaid payment means control unit 318. The generation unit 315 generates data to be output by the input / output unit 311 and data to be transmitted by the transmission / reception unit 312. The display processing unit 316 converts images, videos, sounds, etc. output by the input / output unit 311 into an appropriate format. The funds transfer means control unit 317 and the prepaid payment means control unit 318 respectively control the funds transfer means and prepaid payment means for realizing services such as remittance and point transmission.

[0055] The storage unit 314 stores programs necessary for operating the server 110 and information necessary for the operation of the communication system 1. The storage unit 314 also stores, in association with each user's identifier, the type of account available to each user (account for a funds transfer means or an account for a prepaid payment means), the amount of money saved in each account, or a value equivalent to the amount of money, and the like.

[0056] (2) Functional configuration of the terminal The terminal 120 (120A) has an input / output unit 321, a transmission / reception unit 322, a control unit 323, a storage unit 324, a generation unit 325, a display processing unit 326, a funds transfer means control unit 327, and a prepaid payment means control unit 328. The functions or processes of each functional unit may be realized by machine learning or AI (Artificial Intelligence) to the extent feasible. Terminals 120B and 120C may also have the same configuration as terminal 120A.

[0057] The input / output unit 321 functions as an input unit or an output unit, and accepts various operations from the user of the terminal 120.

[0058] The transmitting / receiving unit 322 transmits and receives data to and from the server 110, etc., in accordance with instructions from the control unit 323. For example, when logging in to the server 110, the transmitting / receiving unit 322 connects a communication session with the server 110 using HTTPS or the like. Then, the transmitting / receiving unit 322 stores the communication address of the server 110, etc., in association with the ID of the connected communication session. Then, the transmitting / receiving unit 322 transmits data to the server 110 using the connected communication session.

[0059] The control unit 323 has a generation unit 325, a display processing unit 326, a funds transfer means control unit 327, and a prepaid payment means control unit 328. The generation unit 325 generates data to be output by the input / output unit 321 and data to be transmitted by the transmission / reception unit 322. The display processing unit 326 converts images, videos, sounds, etc. output by the input / output unit 321 into an appropriate format. The funds transfer means control unit 327 and the prepaid payment means control unit 328 respectively control the funds transfer means and prepaid payment means for implementing services such as money transfer and point transmission.

[0060] The storage unit 324 stores programs necessary for operating the terminal 120 and information necessary for the operation of the communication system 1.

[0061] <<First Example>> The first embodiment is an embodiment in which, when user A transfers part or all of the money from his / her account with a fund transfer means to user B who does not have an account with the fund transfer means, a value equivalent to part or all of the money is sent to user B's account with a prepaid payment means. Also, in the first embodiment, when user A transfers part or all of the money from his / her account with a fund transfer means to user B who does not have an account with the fund transfer means, user B is prompted to open an account with the fund transfer means, and when the account with the fund transfer means is opened, part or all of the money is transferred to the account with the fund transfer means. In this embodiment, user A is associated in advance with an account with a fund transfer means, and user B is associated in advance with an account with a prepaid payment means, but user B is not associated with an account with a fund transfer means.

[0062] <<Effects of the First Embodiment>> According to the first embodiment, even if user B has not opened an account with a fund transfer means, by using a process for opening an account with a fund transfer means in user B when user A, who has opened an account with a fund transfer means, transfers money from user A to user B. Also, even if user A transfers money from an account with a fund transfer means, user B can receive a value equivalent to the amount of the transfer in his account with a prepaid payment means.

[0063] <<Operation Processing of the First Embodiment>> The process of the communication system 1 according to the first embodiment will be shown with reference to Fig. 4. Fig. 4 shows an example of a process sequence of the communication system 1 according to the first embodiment.

[0064] (Step S405) When user A decides to transfer money from his / her own account of a fund transfer means to user B, who does not have an account of a fund transfer means, terminal 120A transmits a transmission request to server 110. The transmission request includes at least the user identifier of user A, the user identifier of the destination (user B in this embodiment), and monetary value information including information on the amount of the money to be transferred.

[0065] Terminal 120A can send a transmission request to User B including the value of the account of the prepaid payment instrument. In this case, the monetary value information can include information on the value of the object to be transmitted. For example, User A can make a part of the remittance using a funds transfer instrument and transmit a value equivalent to the remaining monetary portion using a prepaid payment instrument. Terminal 120A can transmit the remittance by the funds transfer instrument and the transmission of the value by the prepaid payment instrument in two transmission requests each, or can transmit them together in one transmission request.

[0066] The terminal 120A can compare the amount to be sent with the amount associated with the account of the fund transfer means. If the amount to be sent is greater than the amount in the account, the terminal 120A may notify the user A via the input / output unit 321 that the amount cannot be sent due to a lack of funds in the user A's account. If the amount to be sent is greater than the amount in the account, the terminal 120A can also request the server 110 to receive funds from a bank account or a credit account into the account of the fund transfer means of the user A (so-called auto-charge, etc.).

[0067] (Step S410) When server 110 receives a transmission request from terminal 120A (or after receiving a transmission request), it identifies the account of user A's fund transfer means and freezes the amount of the remittance from the amount associated with that account. Here, freezing may be achieved, for example, by temporarily deducting the amount of the remittance from the account of user A's fund transfer means. This allows server 110 to secure the amount of the remittance from the account of user A's fund transfer means before user B selects a receiving method in step S420, and makes it possible to avoid a situation in which the amount in user A's account is insufficient when transferring money to user B.

[0068] Before freezing, server 110 compares the amount to be sent with the amount associated with user A's account, and if the amount to be sent is greater than the account balance, server 110 can send information to terminal 120A indicating that the transfer cannot be made due to insufficient funds in user A's account. If the amount to be sent is greater than the account balance, server 110 can also receive funds from a bank account or credit account into user A's fund transfer means account (so-called auto-charge, etc.).

[0069] (Step S415) Server 110 sends a selection request to terminal 120B to allow the recipient (user B) to select whether the remittance will be received by a funds transfer means or a prepaid payment means. The selection request may be a request to receive the entire remittance amount by either the funds transfer means or the prepaid payment means. The selection request may also be a request to receive part of the remittance amount by the funds transfer means and the remaining part of the remittance amount by a prepaid payment means. The selection request may also be a request to receive part or all of the remittance amount by either the funds transfer means or the prepaid payment means.

[0070] (Step S420) The terminal 120B displays a screen for user B to select whether to receive the remittance through a funds transfer means or a prepaid payment means. Instead of or in combination with the screen display, sound or other means may be used to notify the user. This allows user B to select whether to receive the remittance from user A through one of the funds transfer means and the prepaid payment means via the terminal 120B. The terminal 120B may also display a screen for allowing user B to select whether to receive a part of the remittance amount through the funds transfer means and the remaining part of the remittance amount through the prepaid payment means. Furthermore, the terminal 120B may display a screen for allowing user B to select whether to receive a part or all of the remittance amount through the funds transfer means or the prepaid payment means. It may also be possible for user B to receive a part of the remittance amount through the funds transfer means and the remaining part of the remittance amount through the prepaid payment means.

[0071] Server 110 receives a receipt request including information indicating that receipt by User B will be made via at least one of a funds transfer means and a prepaid payment means (see steps S425 and S440 described below), allowing User B to determine the receipt means.

[0072] Before selecting the means for receiving, terminal 120B may determine whether or not user B has opened an account for a fund transfer means, and if not, may display a screen urging the user to open an account for a fund transfer means. If opening an account for a fund transfer means is selected, identity verification processing and fund transfer means account opening are performed in steps S450 to S455, which will be described later.

[0073] In this embodiment, it is assumed that user B does not already have an account for the fund transfer means, but this embodiment can be used even if user B already has an account for the fund transfer means. For example, terminal 120B communicates with server 110, and terminal 120B and / or server 110 identify whether user B has an account for the fund transfer means (whether the account has been opened). When it is identified that user B has an account for the fund transfer means, terminal 120B can set in advance a priority for preferentially using either prepaid payment means or fund transfer means for receiving the amount to be transferred in response to an instruction from user B, and notify server 120 of the priority. In this case, in step S420, terminal 120B may transmit to server 110 a receipt request (transmitted in step S425 or S440) indicating that a means with a higher priority among prepaid payment means and fund transfer means has been selected as the receiving method, without receiving an instruction from user B, or terminal 120B may present user B with a screen prompting the selection of a means with a higher priority. This allows user B to determine the receiving means more easily and quickly.

[0074] (Step S425) If a prepaid payment means is selected in step S420, the terminal 120B transmits to the server 110 a receipt request including at least information indicating that a prepaid payment means has been selected.

[0075] (Step S430) When server 110 receives information indicating that a prepaid payment means has been selected, it executes a purchase process using the value (points) of the prepaid payment means equivalent to the amount of the remittance target frozen in the account of user A's fund transfer means in step S410 as the value of user A. In other words, server 110 associates a predetermined value with the account of user A's prepaid payment means. After executing the purchase process, server 110 may associate the value with the account of user A's fund transfer means without associating it with the account of user A's prepaid payment means.

[0076] (Step S435) The server 110 allocates (associates) the value purchased by user A to the account of user B's prepaid payment means. (Step S436) Server 110 transmits to terminal 120B a message indicating that a value equivalent to the amount of the remittance has been assigned and / or the value of the assigned value. This notifies user B that a value (points) equivalent to the amount of the remittance has been assigned. Server 110 may also transmit to user A's terminal 120A a message indicating that the remittance has been completed. This allows user A to confirm that the remittance has been completed.

[0077] In the above steps S430 and 435, before purchasing the value in S430, server 110 may check the value in the prepaid payment means account already held by user A, and allocate the value in the prepaid payment means as the value to be transmitted to the prepaid payment means account of user B. This provides high convenience for user A, as the value already held by user A is used preferentially.

[0078] Furthermore, if the value equivalent to the amount of the remittance target is greater than the value already in the account of the prepaid payment means, server 110 allocates the value already in the account of the prepaid payment means to the account of user B's prepaid payment means as part of the value of the item to be sent. Server 110 then purchases the missing value through a purchase process in step S430. Specifically, server 110 can execute the purchase process in step S430 using part of the amount of the remittance target frozen from the account of user A's fund transfer means in step S410. In this case, after purchasing value for user A, server 110 can return part of the amount of the remittance target frozen from the account of user A's fund transfer means in step S410 (the amount obtained by subtracting the amount equivalent to the missing value from the amount of the remittance target) to the account of user A's fund transfer means.

[0079] If value already exists in user A's prepaid payment instrument account, server 110 and / or terminal 120A may use some or all of the value in user A's prepaid payment instrument account in priority when sending value to user B over purchasing value for user A on server 110 and / or terminal 120A (purchasing value using the amount in the funds transfer instrument account, auto-charge, etc.).

[0080] (Step S440) If a funds transfer means is selected in step S420, terminal 120B transmits to server 110 a receipt request including at least information indicating that a funds transfer means has been selected.

[0081] (Step S445) When server 110 receives the information indicating that the funds transfer means has been selected, it transmits a request for identity verification of user B to terminal 120B. Server 110 may transmit the request for identity verification to terminal 120B after determining whether user B has opened an account for the funds transfer means.

[0082] (Step S450) When terminal 120B receives a request for identity verification, server 110 and terminal 120B cooperate to realize identity verification processing. Identity verification processing can be realized using existing technology such as eKYC. Note that the "identification" in steps S445 and S450 is an example, and may be replaced with other means as long as an account for the fund transfer means can be opened.

[0083] The "identity verification" and the means that can be replaced with "identity verification" are confirmation processes carried out in preparation for opening an account for a fund transfer means, and therefore may also be called account opening preparation confirmation.

[0084] (Step S455) In step S450, when User B's identity verification is completed effectively, Server 110 opens an account for User B's funds transfer means.

[0085] (Step S460) Server 110 allocates (associates) the amount of the remittance target that was frozen in the account of user A's fund transfer means in step S410 to the account of user B's fund transfer means. This allows user B to open an account for the fund transfer means as part of a series of processing steps for remittance, triggered by receipt of remittance from user A. User convenience is improved because an account for the fund transfer means can be opened when needed to receive remittance. (Step S465) Server 110 transmits to terminal 120B a message indicating that the amount to be remitted has been allocated and / or the allocated amount. This notifies user B that the amount to be remitted has been allocated. Server 110 may also transmit to user A's terminal 120A a message indicating that the remittance has been completed. This allows user A to confirm that the remittance has been completed.

[0086] <<Second Example>> The second embodiment is an embodiment for realizing remittance and point transmission of part or all of the value of the prepaid payment means account of user B, who does not have an account with a fund transfer means, to the prepaid payment means account or fund transfer means account of user A, who has an account with a fund transfer means. In this embodiment, user A is associated in advance with an account with a fund transfer means and user B is associated in advance with an account with a prepaid payment means, but user B is not associated with an account with a fund transfer means.

[0087] <<Effects of the Second Embodiment>> According to the second embodiment, even if user B has not opened an account with a fund transfer means, when sending points to user A who has opened an account with a fund transfer means, the sending of points from user B to user A can be changed to a remittance by using a process for opening an account with a fund transfer means at user B.

[0088] <<Operation Processing of the Second Example>> The process of the communication system 1 according to the second embodiment is shown with reference to Fig. 5. Fig. 5 shows an example of a process sequence of the communication system 1 according to the second embodiment.

[0089] (Step S505) When user B, who does not have an account with a fund transfer means, decides to send points (value) from his / her prepaid payment means account to user A, who has an account with a fund transfer means, terminal 120B sends a transmission request to server 110. The transmission request includes at least the user identifier of user B, the user identifier of the destination (user A in this embodiment), and monetary value information including information on the value equivalent to the amount to be sent.

[0090] (Step S510) When server 110 receives a transmission request from terminal 120B (or after receiving a transmission request), it identifies the account of user B's prepaid payment instrument and freezes the value to be transmitted, which is included in the monetary value information, from the value associated with that account. Here, freezing may be achieved, for example, by temporarily subtracting the value to be transmitted from the account of user B's prepaid payment instrument. In this way, in step S520, server 110 can secure the value to be transmitted from the account of user B's prepaid payment instrument before user A selects the receiving method, and it is possible to avoid a situation in which the value in user B's account is insufficient when transmitting to user A.

[0091] (Step S515) Server 110 transmits a selection request to terminal 120A to prompt the destination (user A) to select whether receipt will be made by a funds transfer means or a prepaid payment means. The selection request may be a request to receive all of the value to be transmitted by either a funds transfer means or a prepaid payment means. The selection request may also be a request to receive an amount equivalent to a portion of the value to be transmitted by a funds transfer means, and the remaining portion of the value to be transmitted by a prepaid payment means. The selection request may also be a request to receive all or part of the value to be transmitted or an amount equivalent to the value by either a funds transfer means or a prepaid payment means.

[0092] (Step S520) The terminal 120A displays a screen for allowing the user to select whether to receive the value using a fund transfer means or a prepaid payment means. Instead of or in combination with the screen display, sound or other means may be used to notify the user. This allows the user A to select whether to receive the value transmitted from the user B via the terminal 120A using one of the fund transfer means and the prepaid payment means. The terminal 120A may also display a screen for allowing the user to select whether to receive an amount equivalent to a part of the transmitted value using a fund transfer means and the remaining part of the transmitted value using a prepaid payment means. The terminal 120A may also display a screen for allowing the user to select whether to receive the transmitted value or a part or all of the amount equivalent to the value using a fund transfer means or a prepaid payment means. It is also possible for the user A to receive a part of the remittance amount using a fund transfer means and the remaining part of the remittance amount using a prepaid payment means.

[0093] Before selecting the means for receiving, terminal 120B may determine whether or not user B has opened an account for a fund transfer means, and if not, may display a screen urging the user to open an account for a fund transfer means. If opening an account for a fund transfer means is selected, identity verification processing and fund transfer means account opening are performed in steps S545 and S555, which will be described later.

[0094] (Step S525) If a prepaid payment means is selected in step S520, the terminal 120A transmits to the server 110 information indicating that the prepaid payment means has been selected.

[0095] (Step S530) When server 110 receives information indicating that a prepaid payment means has been selected, server 110 allocates (associates) the value of the item to be sent from the value of user B's prepaid payment means account to user A's prepaid payment means account.

[0096] If the value already held in User B's prepaid payment instrument account is less than the value of the object to be transmitted, Server 110 may execute the purchase process with the residual value obtained by subtracting the value of the prepaid payment instrument account from the value of the object to be transmitted as the value of User B. Server 110 allocates the value of User B's purchase to User A's prepaid payment instrument account.

[0097] (Step S531) Server 110 transmits to terminal 120A a message that the value to be transmitted has been assigned and / or the value of the assigned value. This notifies user A that the value (points) to be transmitted has been assigned. Server 110 may also transmit to terminal 120B of user B that the transmission has been completed. This allows user B to confirm that the transmission has been completed.

[0098] (Step S535) If a funds transfer means is selected in step S520, terminal 120A transmits to server 110 information indicating that the funds transfer means has been selected.

[0099] (Step S540) Upon receiving the information indicating that the funds transfer means has been selected, server 110 transmits a request for identity verification of user B to terminal 120B.

[0100] (Step S545) When terminal 120B receives the request for identity verification, server 110 and terminal 120B cooperate to realize identity verification processing. The identity verification processing can be the same processing as step S450 in FIG.

[0101] (Step S550) Server 110 and / or terminal 120B may perform control so that user B cannot purchase value (such as points) until the remittance is completed. When remittance is made with money, since there is no need to transmit value (since value cannot be used for transmission), it is possible to prevent user B from purchasing value by mistake.

[0102] (Step S555) In step S545, when user B's identity verification is completed effectively, server 110 opens an account for user B's funds transfer means.

[0103] (Step S560) The server 110 re-allocates the value to be transmitted, which was frozen in the account of the prepaid payment instrument of user B in step S510, to the prepaid payment instrument of user B (freezes the value to be transmitted). This process may be performed after S565.

[0104] (Step S565) Server 110 deducts the amount equivalent to the value to be transmitted from the account of user B's fund transfer means, and allocates (associates) the deducted amount to the account of user A's fund transfer means.

[0105] (Step S570) Server 110 transmits to terminal 120A the fact that the amount to be remitted has been allocated and / or the allocated amount. This notifies user A that the amount to be remitted has been allocated. Server 110 may also transmit to user B's terminal 120B that the remittance has been completed. This allows user B to confirm that the remittance has been completed.

[0106] <<Third Example>> The third embodiment is an embodiment for instructing the sender to use a prepaid payment instrument and / or a funds transfer instrument to transfer money or points before transferring money or sending points. In this embodiment, user A is linked to an account of the funds transfer instrument in advance, and user B is linked to an account of the prepaid payment instrument in advance, but user B is not linked to an account of the funds transfer instrument.

[0107] <<Effects of the Third Embodiment>> According to the third embodiment, when making a request to user B, user A on the receiving side can instruct user B to transfer money or points, and can receive money or points from the sender in a format more suited to the recipient's wishes.

[0108] <<Operation Processing of the Third Embodiment>> Processing of the communication system 1 according to the third embodiment is shown with reference to Fig. 6. Fig. 6 shows an example of a processing sequence of the communication system 1 according to the third embodiment.

[0109] (Step S605) Terminal 120A transmits a request to request user B to transmit points (value) via a prepaid payment instrument and / or remit money via a funds transfer instrument. The request request includes at least the user identifier of user A, the user identifier of the destination (user B in this embodiment), information specifying a prepaid payment instrument and / or a funds transfer instrument as the transmission instrument, and monetary value information including information on the value to be transmitted and / or the amount to be remitted. In this embodiment, terminal 120A allows the user to select at least one of requesting transmission of the entire remittance amount via the funds transfer instrument, requesting transmission of a value equivalent to the entire remittance amount via the prepaid payment instrument, and requesting transmission of a portion of the remittance amount via the funds transfer instrument and requesting transmission of a value equivalent to the amount obtained by deducting the portion from the remittance amount via the prepaid payment instrument.

[0110] The terminal 120A communicates with the server 110, and the terminal 120A and / or the server 110 may identify whether or not user A has an account for a fund transfer means (whether or not the user A has opened an account). For example, when it is identified that user A has an account for a fund transfer means, the terminal 120A may, in response to an instruction from user A, set in advance a priority for preferentially using one of the prepaid payment means and the fund transfer means in a request, and notify the server 120 of the priority. In this case, in step S605, the terminal 120A may transmit a request to the server 110 in which the means with the highest priority out of the prepaid payment means and the fund transfer means is selected, without receiving an instruction from user A, or the terminal 120A may present a screen prompting user A to select the means with the highest priority.

[0111] (Step S610) The server 110 determines, in the billing request sent from the terminal 120A, whether the bill is for a prepaid payment means, a funds transfer means, or a prepaid payment means and / or a funds transfer means.

[0112] (Step S615) If it is determined in step S610 that there is a request from the funds transfer means, server 110 checks whether user B is associated with an account of the funds transfer means (whether or not the user B has opened an account).

[0113] (Step S620) If it is determined in step S615 that User B is not associated with an account of the funds transfer means, Server 110 transmits a request for identity verification of User B to Terminal 120B.

[0114] (Step S625) When terminal 120B receives the request for identity verification, server 110 and terminal 120B cooperate to realize identity verification processing. The identity verification processing can be the same processing as step S450 in Fig. 4. As a result, server 110 can have identity verification by user B be performed via terminal 120B in response to the request transmitted from terminal 120A of user A.

[0115] (Step S630) When User B's identity verification is completed effectively in step S625, Server 110 opens an account for User B's funds transfer means.

[0116] (Step S635) After user B opens an account for a fund transfer means (after step S625), or after it is determined that user B has already opened an account for a fund transfer means (after step S615), server 110 deducts the amount to be transferred requested by user A from the account for user B's fund transfer means and associates that amount with the account for user A's fund transfer means. This realizes the transfer of money from user B to user A.

[0117] (Step S640) Server 110 transmits to terminal 120A the fact that the amount to be remitted has been allocated and / or the allocated amount. This notifies user A that the amount to be remitted has been allocated. Server 110 may also transmit to user B's terminal 120B that the remittance has been completed. This allows user B to confirm that the remittance has been completed.

[0118] (Step S645) If it is determined in step S610 that there is a claim via the prepaid payment means, server 110 deducts the value to be transmitted requested by user A from the account of user B's prepaid payment means, and associates that value with the account of user A's fund transfer means. This realizes the transmission of value (points) from user B to user A.

[0119] (Step S650) Server 110 transmits to terminal 120A a message indicating that the value to be transmitted has been assigned and / or the assigned value. This notifies user A that the value to be transmitted has been assigned. Server 110 may also transmit to terminal 120B of user B a message indicating that transmission of the value has been completed. This allows user B to confirm that transmission of the value has been completed.

[0120] In this embodiment, if user B refuses to transmit an amount or points to user A via at least one of the prepaid payment instrument and the fund transfer instrument, terminal 120B can operate so that user B cancels at least one of the transmissions via the prepaid payment instrument and the fund transfer instrument. When server 110 receives information regarding the cancellation transmitted by user B, it can notify terminal 120A of the cancellation. [Explanation of symbols]

[0121] 1: Communication systems 110: Server 120: Terminal 130: Network Servers 110 and 120 200: Information processing device 201: Processor 202: Memory 203: Storage 204: Input / Output Interface 205: Communication I / F Terminal 120A 311: Input / output section 312: Transmitter / receiver 313: Control section 314: Storage section 315 :Generation part 316: Display processing unit 317: Funds Transfer Means Control Unit 318: Prepaid payment instrument control unit Terminal 120B 321: Input / output section 322: Transmitter / receiver 323: Control section 324: Storage section 325 :Generation part 326: Display processing unit 327: Funds Transfer Means Control Unit 328: Prepaid payment instrument control unit

Claims

1. In the information processing device, receiving a transmission request including monetary value information indicating an amount to be transmitted from a first information processing terminal of a first user; receiving a receipt request including a receipt instruction indicating a selection of receipt of a part or all of the amount via a prepaid payment means or the funds transfer means from a second information processing terminal of a second user who does not have an account with the funds transfer means; and determining, in response to the receipt request, that the second user will receive a part or all of the amount via the prepaid payment means or the funds transfer means.

2. The information processing device further includes:

2. The information processing method according to claim 1, further comprising the step of transmitting information to said second information processing terminal to allow the user to select whether to receive a part or all of said amount via said prepaid payer or said funds transfer means.

3. The information processing device further includes: The information processing method according to claim 2, further comprising the step of sending an account opening preparation confirmation request to the second information processing terminal in response to the second user selecting the fund transfer means, to have the second user confirm account opening preparation.

4. The information processing device further includes: The information processing method according to claim 3, further comprising the step of associating a part or all of the amount with the account of the fund transfer means of the second user in response to the second user's valid confirmation of the account opening preparation.

5. The information processing device further includes: An information processing method described in any one of claims 1 to 4, further comprising, after the step of receiving the transmission request, executing a step of freezing part or all of the amount contained in the transmission request in the account of the first user's prepaid payment means or funds transfer means.

6. The information processing method according to claim 1 , wherein the first user is pre-associated with an account of the funds transfer means.

7. 7. The information processing method according to claim 1, wherein the second user is previously associated with an account of the prepaid payment instrument, and is not previously associated with an account of the funds transfer instrument.

8. The information processing device further includes: An information processing method as described in any one of claims 1 to 7, comprising the steps of: in response to a decision that the second user will receive part or all of the amount using the prepaid payment means, associating a value equivalent to part or all of the amount with an account of the prepaid payment means of the first user, and then associating the value with an account of the prepaid payment means of the second user.

9. In the information processing device, identifying a fund transfer instrument account associated with the second user; receiving a transmission request including monetary value information indicating an amount to be transmitted from a first information processing terminal of a first user; receiving a receipt request including a receipt instruction indicating a selection of receiving a part or all of the amount via a prepaid payment means or the funds transfer means from a second information processing terminal of the second user; and determining, in response to the receipt request, that the second user will receive a part or all of the amount via the prepaid payment means or the funds transfer means.

10. The information processing device further includes: An information processing method as described in claim 9, further comprising the step of: in response to identification of the account of the funds transfer means associated with the second user, executing a step of setting priorities for the prepaid payment means and the funds transfer means in the means indicated by the receipt request.

11. In the information processing device, receiving a transmission request including monetary value information indicating a value to be transmitted from a second information processing terminal of a second user who does not have an account of the funds transfer means; transmitting information to a first information processing terminal of a first user for allowing the user to select whether to transfer a part or all of the value with a prepaid payment instrument or with the funds transfer instrument; receiving from the first information processing terminal a receipt request including a receipt instruction indicating that a part or all of the value is to be received by the prepaid payment means or the funds transfer means.

12. The information processing device further includes: The information processing method according to claim 11 , further comprising the step of freezing a part or all of the value included in the transmission request in an account of the prepaid payment instrument of the second user after the step of receiving the transmission request.

13. The information processing device further includes:

13. The information processing method according to claim 11, further comprising the step of having the second user execute a step of confirming preparation for opening an account in response to the first user selecting the funds transfer means.

14. The information processing device further includes: The information processing method described in claim 13, further comprising the step of deducting an amount equivalent to part or all of the value from the account of the second user's fund transfer means and associating the deducted amount with the account of the first user's fund transfer means in response to the second user's valid confirmation of account opening preparation.

15. In an information processing terminal used by a second user who does not have an account of the funds transfer means, a process of acquiring information for allowing a user to select whether to receive all or a part of the amount via either the prepaid payment means or the funds transfer means, based on a transmission request including information indicating the amount transmitted from an information processing terminal used by a first user who has an account with the funds transfer means; A process of presenting the information; and transmitting a decision to receive all or a part of the amount via either the prepaid payment means or the funds transfer means in response to a selection operation by the second user.

16. In the information processing device, receiving a billing request from a first information processing terminal of a first user, the billing request including information specifying that the second user is to be billed via at least one of a prepaid payment instrument and a funds transfer instrument; and determining, in response to receiving the claim request transmitted from the first information processing terminal, that the second user is not associated with an account of the funds transfer means.

17. The information processing device includes: The information processing method of claim 16, further comprising the step of: sending an account opening preparation confirmation request to the second terminal in response to determining that the second user is not associated with an account of the funds transfer means, to have the second user confirm preparation for opening an account.

Images