Transfer processing program, transfer processing system, and transfer processing method

Abstract

To realize transfer processing with improved security.SOLUTION: A transfer processing program causes a computer to realize: biometric acquisition processing for acquiring biometric information from a sender's device to identify a recipient's account; recipient identification processing for identifying the recipient's account based on the biometric information and a pre-established correspondence between the biometric information and the recipient's account; transfer acquisition processing for acquiring transfer instruction information from the sender's device regarding an instruction to transfer economic value from the sender's account to the recipient's account; and transfer execution processing for executing transfer processing corresponding to the transfer instruction based on the transfer instruction information.SELECTED DRAWING: Figure 1

Description

[Technical Field]

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

[0002] 2. Description of the Related Art Conventionally, systems for transferring money or electronic money as economic value from a sender to a recipient have been known.

[0003] For example, Patent Document 1 describes a person-to-person remittance processing system that transfers money from a remitter to a remittance destination. The person-to-person remittance processing system includes a first terminal and a remittance management server. The first terminal transmits a remittance request with the remittance destination as the recipient. The remittance management server receives the remittance request from the first terminal, and based on the received remittance request, transmits a receipt confirmation to a second terminal associated with the remittance destination to confirm the recipient's intention to receive the money. Upon receiving a confirmation notice from the second terminal in response to the receipt confirmation, the remittance management server executes a payment to the remittance destination. The remittance management server also charges the remitter or the remittance destination the amount of the payment. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Japanese Patent Application Laid-Open No. 2010-108177 Summary of the Invention [Problem to be solved by the invention]

[0005] However, the person-to-person remittance processing system described in Patent Document 1 is based on the premise that the sender knows the account of the recipient, and therefore does not take into consideration the process by which the system identifies the account of the recipient.

[0006] Recently, a system has become known in which non-biometric information (e.g., QR code (registered trademark)) capable of identifying a recipient's account is installed in a store, and the sender reads the identifiable information using a device used by the sender, and remits money to the recipient's account specified based on the identifiable information. However, this system poses security problems for both the sender and the recipient, for example, if a third party replaces the identifiable information for the recipient's account set in the store, which could result in the remittance from the sender being fraudulently stolen or the identifiable information being lost.

[0007] Therefore, an object of the present invention is to realize a transfer process with improved security. [Means for solving the problem]

[0008] A transfer processing program according to one aspect of the present invention causes a computer to implement a biometric acquisition unit that acquires biometric information for identifying a recipient account from a sender device of a sender; a recipient identification unit that identifies the recipient account based on the biometric information and a pre-set correspondence between the biometric information and the recipient account; a transfer instruction acquisition unit that acquires transfer instruction information regarding an instruction to transfer economic value from the sender account of the sender to the recipient account of the sender from the sender device; and a transfer execution unit that executes a transfer process corresponding to the transfer instruction based on the transfer instruction information. [Effects of the Invention]

[0009] According to the present invention, transfer processing with improved security can be realized. [Brief explanation of the drawings]

[0010] [Figure 1] FIG. 1 is a diagram showing an outline of processing in a remittance processing system 100 according to an embodiment of the present invention. [Figure 2] 1 is a diagram showing the configuration of a remittance processing system 100 according to an embodiment of the present invention. [Figure 3]10 is a diagram showing an example of correspondence relationship information stored in a storage unit 110. FIG. [Figure 4] 10 is a diagram showing an example of correspondence condition information stored in a storage unit 110. FIG. [Figure 5] FIG. 2 is a diagram showing an example of remittance instruction information stored in the storage unit 110. [Figure 6] 10 is a flowchart showing an example of processing in the remittance processing system 100. DETAILED DESCRIPTION OF THE INVENTION

[0011] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Preferred embodiments of the present invention will now be described with reference to the accompanying drawings, in which: Figure 1 is a diagram showing an overview of processing in a remittance processing system 100 according to one embodiment of the present invention.

[0012] In this embodiment, a remittance processing system 100 that performs a money remittance process will be described as a process for transferring economic value. The economic value is not limited to the remittance of money, but may be any economic value that can be transferred electronically, such as value information corresponding to money (e.g., electronic money), points, coupons, or predetermined rights. In this case, for example, in this embodiment, the "remittance processing system" may be read as the "transfer processing system," the "remitter" and the "remitter device" as the "sender" and the "sender device," respectively, and "remittance" as the "transfer related to the transfer of economic value."

[0013] The remittance processing system 100 is an information processing system implemented by a remittance processing program. The remittance processing system 100 supports remittance processing from a remitter to a recipient.

[0014] First, the remittance device 200 used by the remitter acquires biometric information from the recipient or the recipient's assistant (hereinafter simply referred to as "assistant") (S101). The remitter device 200 outputs the biometric information to the remittance processing system 100 (S102).

[0015] Next, the remittance processing system 100 identifies the recipient's account based on the biometric information (S103), and outputs the identification result to the remittance device 200 (S104).

[0016] Then, the remittance processing system 100 acquires remittance instruction information relating to instructions for remittance from the remitter's account to the recipient's account from the remitter device 200 (S105). The remittance processing system 100 executes remittance processing corresponding to the remittance instruction based on the remittance instruction information (S106).

[0017] Conventionally, there has been known a system in which a sender, knowing the recipient's account in advance, uses a sender device to send money to the recipient's account. However, this system poses security and privacy issues in that it is necessary to inform the sender of the recipient's account when it is desired to avoid sharing the recipient's account easily (for example, when the number of remittances to the recipient is limited or when remittances are made to an individual (e.g., tipping or donation)).

[0018] Furthermore, in the case of a system in which non-biometric information (e.g., a QR code (registered trademark)) that can identify a recipient account is installed at a storefront, and the remitter reads the identifiable information using the remitter device 200 and remits money to a recipient account specified based on the identifiable information, it is possible that the information that can identify the recipient account set at the storefront could be replaced by a third party, resulting in the remittance from the remitter being fraudulently stolen or the identifiable information being lost, posing a security problem for both the remitter and the recipient.

[0019] Therefore, the remittance processing system 100 can identify the recipient account based on the biometric information of the recipient or assistant, and execute the remittance processing to the identified recipient account. This allows the remittance processing to be executed without the recipient needing to communicate the recipient account information to the remitter in advance, and also allows the remittance processing to be executed without the need to install non-biometric information (e.g., QR code (registered trademark)) that can identify the recipient account at a storefront, etc.

[0020] The remittance processing performed by the remittance processing system 100 may be a remittance from a remitter (purchaser) to a recipient (store) when purchasing a product or the like at a store, or may be a remittance between individuals. In this embodiment, an example of a remittance from a remitter (purchaser) to a recipient (store) when purchasing a product or the like at a store will be described.

[0021] Figure 2 shows the configuration of a remittance processing system 100, an embodiment of the present invention. The remittance processing system 100 is communicably connected to a remitter device 200 and a receiver device 300 via a network such as the Internet. Details of the remittance processing system 100 will be described later.

[0022] The remitter device 200 is an information processing device used by the remitter, such as a computer, a smartphone, a tablet terminal, or a personal computer.

[0023] The remitter uses the remitter device 200 to obtain biometric information corresponding to the recipient's account, for example, biometric information of the recipient or assistant. At this time, the remitter may use, for example, the photographing function of the remitter device 200. Specifically, the remitter may use, for example, the photographing function of the remitter device 200 to take an image of the recipient's or assistant's appearance.

[0024] The remitter also uses the remitter device 200 to access the remittance processing system 100 and output the acquired biometric information.

[0025] The remitter also uses the remitter device 200 to access the remittance processing system 100 and outputs remittance instruction information relating to instructions to remit money from the remitter's account to the recipient's account.

[0026] The recipient device 300 is an information processing device used by the recipient, such as a computer, a smartphone, a tablet terminal, or a personal computer.

[0027] The receiver uses the receiver device 300 to receive from the remitter, for example, money, electronic money, points, complimentary coupons, or predetermined rights in accordance with the remittance instruction.

[0028] Although one remittance device 200 and one receiver device 300 are shown in FIG. 2, there may be a plurality of remittance device 200 and a plurality of receiver devices 300.

[0029] Next, we will explain the details of the remittance processing system 100. The remittance processing system 100 includes a memory unit 110, a setting unit 120, a biometric acquisition unit 130, a recipient identification unit 140, a remittance instruction acquisition unit 150, and a remittance execution unit 160. Each unit shown in Fig. 2 can be realized, for example, by using a memory area or by having a processor execute a program stored in the memory area.

[0030] The storage unit 110 stores information processed in the remittance processing system 100. The storage unit 110 can store, for example, correspondence relationship information, biometric information, correspondence condition information, and remittance instruction information, which will be described later.

[0031] The setting unit 120 sets correspondence information relating to the correspondence between the biometric information and the recipient's recipient account, and stores the set correspondence information in the storage unit 110.

[0032] Here, the biometric information is biometric information for identifying the recipient's account. The biometric information is not particularly limited, but includes, for example, biometric information of the recipient or assistant. The biometric information is also not particularly limited, but includes an image of the recipient's or assistant's appearance. The biometric information may also be the recipient's or assistant's fingerprint, iris, voiceprint, vein pattern, or DNA (deoxyribonucleic acid). Note that the biometric information may be biometric information of a person other than the recipient or assistant, as long as it is biometric information for identifying the recipient's account.

[0033] The setting unit 120 can set the correspondence information based on an operation by the recipient via the recipient device 300, for example.

[0034] That is, for example, the recipient accesses the remittance processing system 100 using the recipient device 300, and uploads a facial image of the recipient or assistant to the remittance processing system 100 through the recipient device 300. The setting unit 120 associates the recipient account of the recipient with the uploaded facial image, and sets the correspondence information.

[0035] In the correspondence information, the biometric information associated with the recipient account may be the biometric information itself (e.g., an image of the recipient's or assistant's appearance). Also, in the correspondence information, the biometric information associated with the recipient account may be predetermined information extracted based on the biometric information itself (e.g., feature point information). This makes it possible to reduce the amount of data in the correspondence information.

[0036] In the correspondence information, one piece of biometric information may be associated with one recipient account. This may occur, for example, when the recipient or assistant corresponding to the biometric information is set in association with one recipient account, particularly when the recipient or assistant works at a store corresponding to one recipient account.

[0037] In addition, in the correspondence information, one recipient account may be associated with multiple pieces of biometric information. This may occur, for example, when multiple recipients or assistants are set for one recipient account, particularly when multiple recipients or assistants work at a store corresponding to one recipient account.

[0038] In addition, in the correspondence information, one piece of biometric information may be associated with multiple recipient accounts. This may occur, for example, when one recipient or assistant is set to be associated with multiple recipient accounts, particularly when one recipient or assistant works at multiple stores.

[0039] The setting unit 120 may use a predetermined machine learning technique to set the correspondence between the biometric information and the recipient's recipient account.

[0040] FIG. 3 is a diagram showing an example of correspondence information stored in storage unit 110. The correspondence information stored in storage unit 110 includes, for example, a correspondence ID, biometric information, and a recipient account ID. The correspondence ID is, for example, information that identifies the correspondence information. The biometric information may be the biometric information itself, or may be predetermined information extracted based on the biometric information itself (for example, information related to feature points of the biometric information). The recipient account ID is, for example, information that identifies the recipient account.

[0041] In addition, when one piece of biometric information is associated with multiple recipient accounts in the correspondence information, the setting unit 120 can further set correspondence condition information regarding the conditions for identifying one of the multiple recipient accounts, and store the set correspondence condition information in the memory unit 110.

[0042] The corresponding condition information may include information regarding the conditions for identifying one recipient account based on at least one of the location of the remitter device 200 (e.g., coordinates based on a Global Positioning System (GPS)), the location of the recipient or assistant (e.g., coordinates based on a GPS), and the date and time when the biometric information was acquired.

[0043] In this regard, if a single recipient or assistant works at multiple stores, the locations of those stores may be different. Furthermore, the location of the remittance sender device 200 or the location of the recipient or assistant during processing by the remittance processing system 100 may correspond to the location of the recipient's or assistant's store. Therefore, by setting the corresponding condition information as information on the conditions for identifying a single recipient account based on, for example, at least one of the location of the remittance sender device 200 or the location of the recipient or assistant, the recipient identification unit 140 (described later) can identify the recipient account with high accuracy.

[0044] Furthermore, if a single recipient or assistant works at multiple stores, the dates and times (so-called shifts) they work at each store may differ. Therefore, by setting the corresponding condition information as information regarding the conditions for identifying one recipient account based on the date and time the biometric information was acquired, the recipient identification unit 140 (described later) can identify the recipient account with high accuracy.

[0045] 4 is a diagram showing an example of correspondence condition information stored in storage unit 110. The correspondence condition information stored in storage unit 110 includes, for example, a correspondence condition ID, a correspondence ID, and condition content information. The correspondence condition ID is information that identifies the correspondence condition information. The condition content information is information related to the content of the condition for identifying one recipient account. That is, in this case, for example, when one piece of biometric information is associated with multiple correspondence IDs in the correspondence information, the correspondence condition information indicates a condition (i.e., a priority) for identifying one correspondence ID from the multiple correspondence IDs.

[0046] 4, the correspondence condition information is exemplified as information in which a correspondence ID and condition content information are associated with each other, but the correspondence condition information is not limited to this and may be, for example, information in which biometric information and condition content information are associated with each other. That is, in this case, the correspondence condition information indicates a condition (i.e., a priority) for identifying one correspondence ID corresponding to acquired biometric information when, for example, one piece of biometric information is associated with multiple correspondence IDs in the correspondence information.

[0047] The biometrics acquisition unit 130 acquires biometric information for identifying the recipient's account from the remitter device 200 and stores the acquired biometric information in the storage unit 110.

[0048] The remitter device 200 outputs the biometric information of the recipient or assistant acquired using the remitter device 200 to the remittance processing system 100, and the biometric acquisition unit 130 acquires the biometric information.

[0049] The biometric information acquired by the biometric acquisition unit 130 may be the biometric information itself acquired by the remittance device 200. Alternatively, the biometric information acquired by the biometric acquisition unit 130 may be predetermined information (e.g., feature information) extracted based on the biometric information itself acquired by the remittance device 200. This can improve the efficiency of communication between the remittance processing system 100 and the remittance device 200.

[0050] The recipient identification unit 140 identifies the recipient account based on the biometric information acquired by the biometric acquisition unit 130 and the correspondence relationship.

[0051] The recipient identification unit 140 identifies the recipient account corresponding to the biometric information acquired by the biometric acquisition unit 130, for example, based on the correspondence information.

[0052] Furthermore, when biometric information is associated with multiple recipient accounts in the association information, the recipient identification unit 140 can identify the recipient account based on the association condition information as well.

[0053] In this case, the recipient identification unit 140 can identify one recipient account based, for example, on at least one of the location of the remitter device 200, the location of the recipient or assistant, and the date and time the biometric information was acquired.

[0054] Furthermore, the recipient identification unit 140 can notify the remitter device 200 of information related to the identified recipient account (e.g., recipient account ID). This allows the remitter to know the recipient account corresponding to the biometric information acquired using the remitter device 200.

[0055] At this time, the recipient identification unit 140 can notify the remittance sender device 200 of the identified recipient account in a format that prevents the remittance sender device 200 from reusing the recipient account (for example, the process of remittance to the same recipient account without re-acquiring biometric information). The notification by the recipient identification unit 140 in a format that prevents the remittance sender device 200 from reusing the recipient account may be in a format that does not cause the remittance sender device 200 to display or store information that identifies the recipient account itself (for example, the recipient account ID), but only information that allows the remittance sender to determine that the identified recipient account is the desired recipient (for example, the recipient's name, nickname, etc.). This allows the recipient to accept a remittance from the remittance sender without easily disclosing the recipient account.

[0056] The remittance instruction acquisition unit 150 acquires remittance instruction information relating to instructions to remit money from the remitter's account to the recipient's account from the remitter device 200, and stores the acquired remittance instruction information in the storage unit 110.

[0057] The remittance instruction information includes, for example, information specifying the remitter account, information specifying the recipient account, and information regarding the remittance content (e.g., remittance amount, point amount, etc.). The information specifying the remitter account included in the remittance instruction information may be, for example, information specifying the remitter account of the remitter using the remitter device 200. The remittance instruction information may further include information specifying the date and time when the remittance is to be executed.

[0058] FIG. 5 is a diagram showing an example of remittance instruction information stored in memory unit 110. The remittance instruction information stored in memory unit 110 includes, for example, a remittance instruction ID, a remitter account ID, a recipient account ID, and remittance content information. The remittance instruction ID is, for example, information that identifies the remittance instruction information. The remitter account ID is, for example, information that identifies the remitter account. The remittance content information is, for example, information regarding the content of the remittance.

[0059] The remittance execution unit 160 executes the remittance process corresponding to the remittance instruction based on the remittance instruction information.

[0060] Specifically, the remittance execution unit 160 executes a remittance of the contents indicated by the remittance content information from the remitter account indicated by the remitter account ID to the recipient account indicated by the recipient account ID, based on, for example, the remittance instruction information.

[0061] For example, if the remittance instruction indicated by the remittance instruction information is a remittance instruction for "10,000 yen," the remittance execution unit 160 executes a remittance process to transfer value information for "10,000 yen" from the remitter account to the recipient account. Specifically, the remittance execution unit 160 executes a remittance process to reduce the balance of the remitter account by "10,000 yen" and increase the balance of the recipient account by "10,000 yen."

[0062] The remittance processing by the remittance execution unit 160 may be remittance processing using an external remittance processing system provided by an external business operator. That is, as the remittance processing by the remittance execution unit 160, the remittance execution unit 160 may output remittance instruction information (e.g., information identifying the remittance account, information identifying the recipient account, and information regarding the remittance content) to the external remittance processing system, and the external remittance processing system may execute the remittance processing from the remittance account to the recipient account based on the remittance instruction information. This allows the remittance processing system 100 to execute the remittance processing regardless of the types of the remitter and recipient accounts (e.g., which business operator manages the accounts).

[0063] Before executing the remittance process, the remittance execution unit 160 may output confirmation information to the remittance device 200 to confirm the details of the remittance process. The remittance execution unit 160 may then receive final remittance instruction information from the remittance device 200 from the remitter who has referenced the confirmation information, and execute the remittance process based on the final remittance instruction information. This allows the remittance processing system 100 to execute the remittance process accurately as desired by the remitter.

[0064] Furthermore, upon completion of the remittance process, the remittance execution unit 160 may output the execution result of the remittance process to at least one of the remitter device 200 and the receiver device 300. This allows each of the remittance sender and receiver to check the execution result of the remittance process.

[0065] FIG. 6 is a flowchart showing an example of processing in the remittance processing system 100.

[0066] First, the setting unit 120 sets correspondence information (S601). At this time, the setting unit 120 may further set correspondence condition information. The biometrics acquisition unit 130 acquires biometric information from the remitter device 200 (S602). The recipient identification unit 140 identifies the recipient account based on the correspondence information (S603). At this time, the recipient identification unit 140 may further identify the recipient account based on the correspondence condition information.

[0067] The remittance instruction acquisition unit 150 acquires remittance instruction information from the remitter device 200 (S604). The remittance execution unit 160 executes remittance processing corresponding to the remittance instruction based on the remittance instruction information (S605).

[0068] The above describes one embodiment of the present invention. The remittance processing system 100 acquires biometric information from the remitter device 200, identifies the recipient account based on the biometric information and correspondence information, acquires remittance instruction information from the remitter device 200, and executes the remittance process based on the remittance instruction information. This allows the remittance processing system 100 to realize remittance processing with improved security.

[0069] Furthermore, the remittance processing system 100 can execute remittance processing based on biometric information of the recipient or assistant, or biometric information including an image of the recipient or assistant's appearance. This allows the remitter to send money to a recipient account specified based on the biometric information of the recipient or assistant at the time of remittance, for example, thereby realizing remittance processing with improved security.

[0070] Furthermore, when biometric information is associated with multiple recipient accounts, the remittance processing system 100 can identify one recipient account further based on the correspondence condition information. In this case, the remittance processing system 100 can identify one recipient account further based on at least one of the location of the remittance sender device 200, the location of the recipient or assistant, and the date and time when the biometric information was acquired. This allows the remittance processing system 100 to identify the recipient account even when biometric information is associated with multiple recipient accounts.

[0071] It should be noted that the present embodiment is provided to facilitate understanding of the present invention and is not intended to limit the present invention. The present invention may be modified or improved without departing from the spirit thereof, and equivalents thereof are also included in the present invention.

[0072] In addition, in the present invention, a "unit" does not simply mean a physical means, but also includes cases where the functions of the "unit" are realized by software. Furthermore, the functions of one "unit" or device may be realized by two or more physical means, devices, or software modules, and the functions of two or more "units" or devices may be realized by one physical means, device, or software module. [Explanation of symbols]

[0073] 100 remittance processing system, 110 storage unit, 120 setting unit, 130 biometric acquisition unit, 140 recipient identification unit, 150 remittance instruction acquisition unit, 160 remittance execution unit, 200 remittance device, 300 recipient device

Claims

1. On the computer, a biometric acquisition unit that acquires biometric information for identifying a recipient's recipient account from a sender device of the sender; a recipient identification unit that identifies the recipient account based on the biometric information and a correspondence relationship between the biometric information and the recipient account that is set in advance; a transfer instruction acquisition unit that acquires, from the sender device, transfer instruction information regarding an instruction to transfer economic value from the sender account of the sender to the recipient account; a transfer execution unit that executes a transfer process corresponding to the transfer instruction based on the transfer instruction information; A transfer processing program to achieve this.

2. The transfer processing program according to claim 1 , wherein the biometric information includes biometric information of the recipient or an assistant of the recipient.

3. The transfer processing program according to claim 2 , wherein the biometric information includes an image of the recipient's or the assistant's appearance.

4. When the biometric information is associated with a plurality of recipient accounts in the correspondence relationship, the recipient identification unit identifies the one recipient account further based on correspondence condition information related to a condition for identifying one of the plurality of recipient accounts. The transfer processing program according to any one of claims 1 to 3.

5. the corresponding condition information includes information regarding a condition for identifying the one recipient account based on at least one of the location of the sender device, the location of the recipient or the recipient's assistant, and the date and time when the biometric information was acquired; the recipient identification unit identifies the one recipient account further based on at least one of the location of the sender device, the location of the recipient or the assistant, and the date and time when the biometric information was acquired; The transfer processing program according to claim 4.

6. 4. The transfer processing program according to claim 1, wherein the instruction to transfer economic value includes an instruction to transfer money or value information corresponding to money.

7. a biometric acquisition unit that acquires biometric information for identifying a recipient account from a sender device of the sender; a recipient identification unit that identifies the recipient account based on the biometric information and a correspondence relationship between the biometric information and the recipient account that is set in advance; a transfer instruction acquisition unit that acquires, from the sender device, transfer instruction information regarding an instruction to transfer economic value from the sender account of the sender to the recipient account; a transfer execution unit that executes a transfer process corresponding to the transfer instruction based on the transfer instruction information; A transfer processing system comprising:

8. The computer obtaining biometric information from the sender device of the sender to identify the recipient account; Identifying the recipient account based on the biometric information and a pre-established correspondence between the biometric information and the recipient account; obtaining, from the sender device, transfer instruction information regarding instructions for transferring economic value from the sender account of the sender to the recipient account; Execute a transfer process corresponding to the transfer instruction based on the transfer instruction information. Transfer processing method.

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