Remittance method, program, and information processing device

Abstract

To improve a technique for performing a transaction which transfers funds from a remitter to a recipient.SOLUTION: A remittance method executed by an information processing device includes the steps of: storing information indicative of one or more corresponding second accounts and fund transfer rules for each of one or more first accounts; identifying one or more second accounts and fund transfer rules corresponding to the first account when a remittance request specifying a first account as a remittance destination is received from a user; and remitting at least a part of funds of a remittance amount related to the remittance request to the identified one or more second accounts on the basis of the identified fund transfer rules.SELECTED DRAWING: Figure 5

Description

[Technical Field]

[0001] The present disclosure relates to a remittance method, a program, and an information processing device. [Background technology]

[0002] Conventionally, there are known technologies for transferring funds from a remitter to a recipient. For example, Patent Document 1 discloses a remittance management system that, when executing a transfer process from a remitter user to multiple recipient users, acquires comprehensive transfer data in which transfer destination information and transfer amount information of each recipient user are associated. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Publication No. 2018-190314 Summary of the Invention [Problem to be solved by the invention]

[0004] A combined transfer is a method of remittance that can be adopted when a remitter wishes to send money to multiple recipients. However, when using a combined transfer, the remitter must individually specify the account information and remittance amount for each recipient, which is cumbersome.

[0005] In response to this problem, a method is conceivable in which the recipient of funds notifies the remitter of the information of only one remittance account in advance, and the funds deposited by the remitter into the remittance account are allocated to multiple desired accounts for remittance. For example, when the recipient is an organization with a headquarters and multiple branches and the remitter is a member of the organization, the membership fees transferred from the member to the organization's remittance account can be allocated to the headquarters account and the branch account to which the member belongs. This is highly convenient for the remitter member, as they only need to recognize the information of one remittance account. On the other hand, for the recipient organization, since it cannot immediately determine the branch to which the remitter member belongs from the transfer information, it must first identify the branch to which the member belongs by referring to, for example, a directory information, and then allocate and remit the membership fees between the branch account and the headquarters account, which is cumbersome. Therefore, there is room for improvement in the technology for transferring funds from the remitter to the recipient.

[0006] In light of the above circumstances, the purpose of the present disclosure is to improve the technology for conducting transactions to transfer funds from a sender to a receiver. Note that the present disclosure is not limited to the above circumstances and can be implemented to solve any problem. [Means for solving the problem]

[0007] A remittance method according to an embodiment of the present disclosure includes: A remittance method executed by an information processing device, storing, for each of the one or more first accounts, information indicating one or more corresponding second accounts and transfer rules; When a remittance request is received from a user with a first account as the remittance destination, one or more second accounts corresponding to the first account and transfer rules are identified; and transferring at least a portion of the remittance amount related to the remittance request to the identified one or more second accounts based on the identified transfer rule.

[0008] A program according to an embodiment of the present disclosure includes: On the computer, storing, for each of the one or more first accounts, information indicating one or more corresponding second accounts and transfer rules; When a remittance request is received from a user with a first account as the remittance destination, one or more second accounts corresponding to the first account and transfer rules are identified; The operation includes transferring at least a portion of the remittance amount related to the remittance request to the identified one or more second accounts based on the identified transfer rule.

[0009] An information processing device according to an embodiment of the present disclosure includes: An information processing device including a storage unit and a control unit, The storage unit stores, for each of one or more first accounts, information indicating one or more corresponding second accounts and transfer rules; The control unit When a remittance request is received from a user with a first account as the remittance destination, one or more second accounts corresponding to the first account and transfer rules are identified; At least a portion of the remittance amount related to the remittance request is remitted to the one or more identified second accounts based on the identified transfer rule. [Effects of the Invention]

[0010] According to one embodiment of the present disclosure, an improvement is provided in the technique for conducting transactions that transfer funds from a sender to a receiver. [Brief explanation of the drawings]

[0011] [Figure 1] 1 is a block diagram illustrating a schematic configuration of a system according to an embodiment of the present disclosure. [Figure 2] FIG. 2 is a block diagram showing a schematic configuration of a terminal device. [Figure 3] FIG. 2 is a block diagram showing a schematic configuration of a server. [Figure 4] FIG. 10 is a diagram showing specific examples of multiple second accounts corresponding to each first account and transfer rules. [Figure 5] FIG. 2 is a sequence diagram showing the operation of the system. DETAILED DESCRIPTION OF THE INVENTION

[0012] Hereinafter, embodiments of the present disclosure will be described.

[0013] (Outline of the embodiment) An overview of a system 1 according to an embodiment of the present disclosure will be described with reference to Fig. 1. The system 1 includes a terminal device 10 and a server 200. The terminal device 10 and the server 200 can communicate with each other via a network 30 including, for example, a mobile communication network and / or the Internet.

[0014] The terminal device 10 is any information processing device that can be used by a user. For example, a smartphone, a tablet device, a PC (Personal Computer), or an ATM (Automatic Teller Machine) can be used as the terminal device 10. Although one terminal device 10 is illustrated in FIG. 1, the system 1 may include two or more terminal devices 10. A user can use the terminal device 10 to transfer funds held in his / her account or funds deposited in cash to a desired recipient. Note that the "account" will be described as a bank account, but is not limited to this and may be any account used for remittance, such as a credit card, an electronic wallet, or a user account for a payment service.

[0015] The server 200 is configured to include one or two or more information processing devices capable of communicating with each other. In this embodiment, the server 200 is described as including a first server device 210 and a second server device 220. The first server device 210 is used, for example, by a funds transfer service provider, but is not limited to this, and may also be used, for example, by a bank. The second server device 220 is used, for example, by an institution (for example, a bank) that opens the first account and the second and third accounts described below, but is not limited to this. Alternatively, the second server device 220 may constitute at least a part of a nationwide bank data communication system. In such a case, an embodiment is also possible in which the system 1 including the terminal device 10 and the first server device 210 communicates with the second server device 220.

[0016] In this embodiment, a method is adopted in which the recipient of funds notifies the remitter of information on only one remittance account in advance, and the funds deposited by the remitter into the remittance account are distributed and remitted to multiple desired accounts. A specific example of a remittance service using the system 1 will now be described. A user is a member of an organization having a headquarters and one or more branches, and belongs to one of the branches. Two or more second accounts exist, including one second account used by the headquarters of the organization and one or more second accounts used by each of the one or more branches. The headquarters or branches of the organization can deposit and withdraw funds using their own second accounts. In addition to the second accounts, there are one or more first accounts corresponding to each of the one or more branches. The first accounts correspond to the "remittance accounts" described above. In this embodiment, the first accounts are accounts that do not have a function of holding funds (hereinafter also referred to as "filter accounts"), but they may also be accounts that can hold funds. The organization notifies each member user in advance of the account information for the first account corresponding to the branch to which the user belongs as the information to which membership fees should be remitted. The user can use the notified account information to pay membership fees by remitting the money to the first account corresponding to the branch to which the user belongs.

[0017] An overview of this embodiment will be described below, and details will be given later. An information processing device (for example, a first server device 210) stores information indicating, for each of one or more first accounts, a plurality of corresponding second accounts and predetermined rules (hereinafter also referred to as "transfer rules"). When the information processing device receives a remittance request from a user specifying a first account as the remittance destination, it identifies a plurality of second accounts and transfer rules corresponding to the first account. The information processing device then allocates and transfers funds of the remittance amount related to the remittance request to the identified plurality of second accounts based on the identified transfer rules.

[0018] According to this embodiment, for example, a user who is a member of an organization can pay membership fees by remitting a first account corresponding to the branch to which the user belongs. The membership fees paid to the first account are then automatically allocated and transferred to multiple second accounts corresponding to the first account (e.g., a second account used by the organization's headquarters and a second account used by the branch to which the user belongs) based on the transfer rule corresponding to the first account. Therefore, the organization that receives the membership fees only needs to store multiple second accounts corresponding to each branch and the transfer rule in an information processing device. It is not necessary to perform the administrative work of identifying the branch to which the member belongs by referring to, for example, a directory information, and then allocating and retransferring the membership fees between the second account of the branch and the second account of the headquarters. Therefore, this embodiment improves the technology for transferring funds from a remitter to a recipient by reducing the workload of the recipient.

[0019] Next, each component of the system 1 will be described in detail.

[0020] (Terminal Device Configuration) As shown in FIG. 2, the terminal device 10 includes a communication unit 11, an input / output unit 12, a storage unit 13, and a control unit 14.

[0021] The communication unit 11 includes one or more communication interfaces for communicating via the network 30. The communication interfaces correspond to, for example, a mobile communication standard such as 4G (4th Generation) or 5G (5th Generation), a wired LAN (Local Area Network) standard, or a wireless LAN standard, but are not limited to these and may correspond to any communication standard. In this embodiment, the terminal device 10 communicates with the server 200 via the communication unit 11.

[0022] The input / output unit 12 includes one or more output devices that output information so that the user can recognize it, and one or more input devices that detect user operations. An "output device" is, for example, but is not limited to, a display that outputs information as an image, or a speaker that outputs information as audio. An "input device" is, for example, but is not limited to, a physical key, a capacitive key, a touch screen integrated with a display, a microphone that accepts audio input, or a camera. Furthermore, if the terminal device 10 is an ATM, the input / output unit 12 may further include, for example, a deposit / withdrawal device that allows depositing and withdrawing cash.

[0023] The storage unit 13 includes one or more memories. The "memory" may be, for example, a semiconductor memory, a magnetic memory, an optical memory, or the like, but is not limited to these. Each memory included in the storage unit 13 may function as, for example, a main memory device, an auxiliary memory device, or a cache memory. The storage unit 13 stores any information used in the operation of the terminal device 10. For example, the storage unit 13 may store a system program, an application program, embedded software, and the like.

[0024] The control unit 14 includes one or more processors, one or more programmable circuits, one or more dedicated circuits, or a combination thereof. A "processor" is, for example, but is not limited to, a general-purpose processor such as a CPU (Central Processing Unit) or a GPU (Graphics Processing Unit), or a dedicated processor specialized for a predetermined process. A "programmable circuit" is, for example, but is not limited to, an FPGA (Field-Programmable Gate Array). A "dedicated circuit" is, for example, but is not limited to, an ASIC (Application Specific Integrated Circuit). The control unit 14 controls the overall operation of the terminal device 10.

[0025] (Server configuration) As shown in FIG. 3, the first server device 210 included in the server 200 includes a first communication unit 211, a first storage unit 212, and a first control unit 213.

[0026] The first communication unit 211 includes one or more communication interfaces for communicating via the network 30. The communication interfaces correspond to, for example, a wired LAN standard or a wireless LAN standard, but are not limited to these and may correspond to any communication standard. In this embodiment, the first server device 210 communicates with the terminal device 10 via the first communication unit 211. The first server device 210 also communicates with the second server device 220 via the network 30 or a dedicated line.

[0027] The first storage unit 212 includes one or more memories. Each memory included in the first storage unit 212 may function as, for example, a main storage unit, an auxiliary storage unit, or a cache memory. The first storage unit 212 stores any information used in the operation of the first server device 210. For example, the first storage unit 212 may store a system program, an application program, a database, and the like.

[0028] In this embodiment, the first storage unit 212 further stores, for each of one or more first accounts, information indicating a plurality of corresponding second accounts and a transfer rule. The "transfer rule" indicates the proportion corresponding to each of the plurality of second accounts. In the example shown in FIG. 4, for first account A1, information indicating two second accounts B0 (e.g., the second account of the headquarters) and B1 (e.g., the second account of the first branch) is associated with a transfer rule indicating that the proportion of second account B0 is "30%" and the proportion of second account B1 is "70%." Similarly, for first account A2, information indicating two second accounts B0 and B2 (e.g., the second accounts of the second branch) is associated with a transfer rule indicating that the proportion of second account B0 is "25%" and the proportion of second account B2 is "75%."

[0029] In the example shown in Figure 4, the total percentage of each second account indicated in the transfer amount rules is "100%." ​​However, an embodiment is also possible in which the total percentage of each second account indicated in the transfer amount rules is less than 100%, and any surplus funds after allocating and transferring funds to each second account are paid as a fee to the funds transfer service provider or account opening institution. In the example shown in Figure 4, two second accounts correspond to one first account. However, three or more second accounts may correspond to one first account.

[0030] The first control unit 213 includes one or more processors, one or more programmable circuits, one or more dedicated circuits, or a combination thereof. The first control unit 213 controls the overall operation of the first server device 210.

[0031] 3 includes a second server device 220, a second communication unit 221, a second storage unit 222, and a second control unit 223. The configurations of the second communication unit 221 and the second control unit 223 are the same as those of the first communication unit 211 and the first control unit 213. The configuration of the second storage unit 222 is the same as that of the first storage unit 212, except that it does not store the information indicating the multiple second accounts corresponding to each first account and the transfer rule.

[0032] (System operation flow) The operation of the system 1 according to this embodiment will be described with reference to Figure 5. In summary, this operation involves automatically allocating and transferring membership fees sent by a user who is a member of an organization using a terminal device 10 to multiple second accounts. It is assumed that the user has been notified in advance of the account information for one first account corresponding to one branch to which the user belongs. It is also assumed that the first account is a filter account that does not have a fund holding function, as described above.

[0033] Step S100: The first storage unit 212 of the first server device 210 stores, for each of one or more first accounts, information indicating a corresponding plurality of second accounts and transfer rules.

[0034] This information is stored, for example, by an employee of the funds transfer service provider using the first server device 210 entering it into the first server device 210 in response to a request from the organization. However, the method for storing this information is not limited to this example. For example, an employee of the organization may enter the information via a website or application provided by the funds transfer service provider using the first server device 210. The first storage unit 212 may also store account information for a third account, which will be described later.

[0035] Step S101: The control unit 14 of the terminal device 10 transmits a remittance request to the server 200 (first server device 210) with the first account as the remittance destination.

[0036] Specifically, the control unit 14 acquires information indicating the account information of the first account designated by the user as the remittance destination and the remittance amount via the input / output unit 12. Here, the control unit 14 may further acquire, as remitter information, the name of the remitter and / or the account information of the user entered via the input / output unit 12. The control unit 14 then transmits a remittance request including the account information of the first account designated as the remittance destination and the remittance amount, as well as the remitter information, to the server 200 (first server device 210) via the communication unit 11.

[0037] Step S102: When the first control unit 213 of the first server device 210 receives the remittance request of step S101 from the terminal device 10, it sends a first transfer notification to the second server device 220 to transfer the remittance amount related to the remittance request to the third account.

[0038] The third account is an account for temporarily holding funds remitted from a user. For example, an account opened at an account opening institution such as a bank in response to an application from an organization or a funds transfer service provider may be used as the third account. As described above, in this embodiment, the second server device 220 may be a device used by the institution (e.g., a bank) that opened the third account, or may be a device that constitutes at least a part of a nationwide bank data communication system. Therefore, in other words, in step S102, the first control unit 213 remits the remittance amount to the third account by sending a first money transfer notice to the institution that opened the third account or the nationwide bank data communication system.

[0039] Step S103: Upon receiving the first money transfer notification of step S102 from the first server device 210, the second control unit 223 of the second server device 220 executes a remittance process to the third account in accordance with the first money transfer notification.

[0040] Specifically, the second control unit 223 transfers the funds of the remittance amount related to the remittance request in step S101 to the third account.

[0041] Step S104: The first control unit 213 of the first server device 210 identifies a plurality of second accounts and transfer rules corresponding to the first account related to the remittance request of step S101.

[0042] Specifically, the first control unit 213 identifies the first account by referencing the information stored in the first storage unit 212 in step S100 and reading out the multiple second accounts and transfer rule corresponding to the first account. As a specific example, a case will be described here where the first account is the first account A1 shown in Figure 4. In this case, two second accounts B0 and B1 are identified, and transfer rule indicating that the proportion of second account B0 is "30%" and the proportion of second account B1 is "70%" is identified.

[0043] Step S105: The first control unit 213 sends a second transfer notification to the second server device 220, allocating and transferring the funds of the remittance amount related to the remittance request of step S101 to the multiple second accounts identified in S104 based on the transfer amount rules identified in S104.

[0044] In detail, the first control unit 213 transfers the funds of the remittance amount to the specified second accounts in proportion to the ratio indicated in the transfer rule by transmitting a second money transfer notice. Also, as described above, in this embodiment, the second server device 220 may be a device used by the institution (e.g., a bank) that opened the second accounts, or may be a device that constitutes at least a part of a nationwide bank data communication system. Therefore, in other words, in step S105, the first control unit 213 transfers the funds of the remittance amount to the specified second accounts in proportion to the ratio indicated in the transfer rule by transmitting a second money transfer notice to the institution that opened each of the multiple second accounts or the nationwide bank data communication system.

[0045] Step S106: Upon receiving the second money transfer notification of step S105 from the first server device 210, the second control unit 223 of the second server device 220 executes a remittance process to a plurality of second accounts in accordance with the second money transfer notification.

[0046] Here, as a specific example, a case will be described in which two second accounts B0 and B1 corresponding to the first account A1 and the transfer rule have been identified in step S104. In this case, the second control unit 223 transfers funds equivalent to 30% of the remittance amount related to the remittance request in step S101 from the third account to the second account B0, and transfers funds equivalent to 70% of the remittance amount from the third account to the second account B1.

[0047] As described above, an information processing device according to this embodiment (for example, the first server device 210) stores, for each of one or more first accounts, information indicating a plurality of corresponding second accounts and predetermined rules (hereinafter also referred to as "transfer rules"). When the information processing device receives a remittance request from a user specifying a first account as the remittance destination, it identifies a plurality of second accounts and transfer rules corresponding to the first account. The information processing device then allocates and transfers funds of the remittance amount related to the remittance request to the identified plurality of second accounts based on the identified transfer rules.

[0048] According to this embodiment, for example, a user who is a member of an organization can pay membership fees by remitting a first account corresponding to the branch to which the user belongs. The membership fees paid to the first account are then automatically allocated and transferred to multiple second accounts corresponding to the first account (e.g., a second account used by the organization's headquarters and a second account used by the branch to which the user belongs) based on the transfer rule corresponding to the first account. Therefore, the organization that receives the membership fees only needs to store multiple second accounts corresponding to each branch and the transfer rule in an information processing device. It is not necessary to perform the administrative work of identifying the branch to which the member belongs by referring to, for example, a directory information, and then allocating and retransferring the membership fees between the second account of the branch and the second account of the headquarters. Therefore, this embodiment improves the technology for transferring funds from a remitter to a recipient by reducing the workload of the recipient.

[0049] Although the present disclosure has been described based on the drawings and examples, it should be noted that those skilled in the art may make various modifications and alterations based on the present disclosure. Therefore, it should be noted that these modifications and alterations are included in the scope of the present disclosure. For example, the functions included in each component or step can be rearranged so as not to be logically inconsistent, and multiple components or steps can be combined or divided into one.

[0050] For example, in the above-described embodiment, an example has been described in which the server 200 includes two information processing devices, the first server device 210 and the second server device 220. However, the number of information processing devices included in the server 200 is not limited to this example. For example, an embodiment is also possible in which the first server device 210 and the second server device 220 are configured as a single information processing device, and the server 200 includes this single information processing device. In such a case, for example, the above-described steps S102 and S105 for transmitting the first and second money transfer notifications, respectively, can be omitted. Furthermore, for example, an embodiment is also possible in which the first server device 210 and the second server device 220 are configured as three or more information processing devices, and the server 200 includes this three or more information processing devices.

[0051] In the above-described embodiment, the first account is a filter account that does not have a fund holding function. However, an embodiment is also possible in which an account that has a fund holding function is used as the first account. In such a case, in steps S102 and S103 described above, funds are transferred to the first account related to the remittance request, not to the third account. Therefore, in such an embodiment, there is no need to open a third account.

[0052] In the above-described embodiment, an example was described in which the transfer amount rule indicates a proportion corresponding to each of a plurality of second accounts. However, the content of the transfer amount rule is not limited to this example. For example, the transfer amount rule may indicate a priority and a designated amount corresponding to each of a plurality of second accounts. In such a case, the first control unit 213 of the first server device 210 may, in step S105 described above, transmit a second transfer notification to allocate the remittance amount related to the remittance request in designated amounts in descending order of priority to the second accounts.

[0053] Furthermore, in the above-described embodiment, it is also assumed that, for example, one or more users may make multiple remittance requests with a specific first account as the remittance destination. In response to this, the first control unit 213 of the first server device 210 or the second control unit 223 of the second server device 220 may output information indicating the total remittance amount related to multiple remittance requests with a specific first account as the remittance destination that were received during a predetermined period (e.g., one month), and the account-specific remittance amounts of the total remittance amount that were remitted to each of multiple second accounts corresponding to the first account. The output of this information may be performed, for example, by transmitting the information in any manner, such as by email, to a computer used by the recipient organization (headquarters or a branch using the first account).

[0054] Also, an embodiment is possible in which, for example, a general-purpose computer functions as the server 200 (first server device 210) according to the above-described embodiment. Specifically, a program describing the processing content for realizing each function of the server 200 (first server device 210) according to the above-described embodiment is stored in the memory of the general-purpose computer, and the program is read and executed by a processor. Therefore, the present disclosure can also be realized as a program executable by a processor, or a non-transitory computer-readable medium storing the program.

[0055] In the above-described embodiment, an example was described in which multiple second accounts correspond to each first account. However, the number of second accounts corresponding to a first account may be one. This configuration may be adopted, for example, when an organization discloses information about a first account for remittance to its members but does not want to disclose information about a second account used by the organization to hold funds. Specifically, in step S100 described above, the first storage unit 212 of the first server 220 stores information indicating one or more corresponding second accounts and transfer rules for each of one or more first accounts. In step S104 described above, the first control unit 213 of the first server device 210 identifies one or more second accounts and transfer rules corresponding to the first account related to the remittance request. Here, if one second account corresponding to the first account is identified (in other words, if there is one second account corresponding to the first account), in step S105 described above, the first control unit 213 transmits to the second server device 220 a second transfer notification for transferring at least a portion of the remittance amount related to the remittance request to the identified second account based on the transfer amount rule. Note that even if one second account corresponds to one first account, the transfer amount rule corresponding to the first account may indicate a percentage (typically, 100%) or a specified amount for the one second account, as in the above-described embodiment. [Explanation of symbols]

[0056] 1 System 10 Terminal Equipment 11 Communications Department 12 Input / output section 13 Storage section 14 Control Unit 200 servers 210 First server device 211 First Communications Department 212 1st memory section 213 First Control Section 220 Second server device 221 Second Communications Department 222 2nd memory section 223 Second Control Section 30 Network

Claims

1. A remittance method executed by an information processing device, storing, for each of the one or more first accounts, information indicating a corresponding one second account and a transfer rule; When a remittance request is received from a user with a first account as the remittance destination, one or more second accounts corresponding to the first account and transfer rules are identified; Transferring at least a portion of the remittance amount related to the remittance request to the one or more identified second accounts based on the identified transfer rule. including, payment methods.

2. 2. The remittance method according to claim 1, The information processing device includes: storing, for each of the one or more first accounts, information indicating a corresponding plurality of second accounts and transfer rules; When a plurality of second accounts corresponding to the first account as the remittance destination are identified, the remittance amount related to the remittance request is allocated and remitted to the identified plurality of second accounts based on the identified transfer rule. including, payment methods.

3. The remittance method according to claim 2, The transfer rule indicates a ratio corresponding to each of the plurality of second accounts, A remittance method in which the information processing device transfers the remittance amount to the plurality of second accounts in proportion to the ratio indicated in the transfer rule.

4. The remittance method according to claim 2, and further comprising, upon receiving the remittance request from the user, remitting the remittance amount to a third account; The information processing device allocates and transfers the remittance amount from the third account to the plurality of second accounts based on the transfer rule.

5. The remittance method according to claim 2, The information processing device allocates and transfers the remittance amount to the plurality of second accounts based on the transfer rule without transferring the funds to the first account.

6. The remittance method according to claim 2, The remittance method further includes outputting information indicating the total remittance amount related to multiple remittance requests accepted during a specified period, with the first account as the remittance destination, and the account-specific remittance amounts of the total remittance amount remitted to each of the multiple second accounts.

7. The remittance method according to claim 2, The information processing device includes: A remittance method in which funds of the remittance amount are allocated and remitted to the plurality of second accounts based on the transfer rule by sending a transfer notification to each of the opening institutions of the plurality of second accounts or to a nationwide bank data communication system.

8. On the computer, storing, for each of the one or more first accounts, information indicating one or more corresponding second accounts and transfer rules; When a remittance request is received from a user with a first account as the remittance destination, one or more second accounts corresponding to the first account and transfer rules are identified; Transferring at least a portion of the remittance amount related to the remittance request to the one or more identified second accounts based on the identified transfer rule. A program that causes an operation including

9. An information processing device including a storage unit and a control unit, The storage unit stores, for each of one or more first accounts, information indicating one or more corresponding second accounts and transfer rules; The control unit When a remittance request is received from a user with a first account as the remittance destination, one or more second accounts corresponding to the first account and transfer rules are identified; remit at least a portion of the remittance amount related to the remittance request to the one or more identified second accounts based on the identified transfer rule; Information processing device.

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