Cashless contribution system

Abstract

To provide a cashless contribution system in which a cashless contribution is made without informing a contribution making entity about an account or the like allocated to a contribution recipient entity in an application.SOLUTION: A cashless contribution system includes a storage medium 500 in which unique identification information allocated to each user in an application, finance information associated with the unique identification information, and specific information allocated to a group which at least a contribution recipient of the users belongs to are stored, a contribution maker mobile terminal 100 that transmits the specific identification information concerning the contribution recipient and information indicating a contribution amount to the contribution recipient and is allocated to a contribution maker of the users, and a server device 300 including identification means 310 for identifying unique identification information by referring to the storage medium 500 on the basis of the unique identification information and the specific identification information transmitted from the contribution maker mobile terminal 100, and execution means 320 for performing a contribution process on the basis of the unique identification information, the contribution amount, and the finance information.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to a cashless donation system, and more particularly to a cashless donation system that employs payment methods known as cashless payment or mobile payment. [Background technology]

[0002] Patent Document 1 discloses a management system that provides a means for conveying feelings of gratitude or blessing to someone by making a donation. This management system receives donation request information from a donation subject terminal device used by the donor, the donation request information including donor identification information that identifies the donor, donation recipient identification information that identifies the donation recipient, donation amount information indicating the amount to be donated, and motivation information that indicates the motivation for the donation, and performs donation processing. [Patent Document 1] Patent No. 7186918 DISCLOSURE OF THE INVENTION [Problem to be solved by the invention]

[0003] However, it is not entirely clear from Patent Document 1 what specific information is envisioned as the "donation recipient identification information" described in the document. However, in recent years, electronic payment services have emerged that perform so-called mobile payments using application programs installed on smartphones, etc. (hereinafter referred to as "cashless payment apps." Currently popular cashless payment apps include PayPay and LINE Pay in Japan, Venmo in the United States, and WeChat Pay in China (all of which are registered trademarks)). Considering this, it is conceivable that the account or ID of a cashless payment app could be used as donation recipient identification information.

[0004] If a cashless payment app account or the like is used as the recipient's identification information, the account or the like is similar to personal information, and therefore it is unlikely that the recipient will easily inform the donor of it. Even if it is assumed that the recipient will inform the donor of the cashless payment app account or the like, Patent Document 1 does not consider measures to prevent the leaking of accounts or the like, so it is likely that the use of the management system will be limited.

[0005] In consideration of the above circumstances, the present invention aims to enable a recipient entity to make a cashless donation using a cashless payment app without informing the donor of the cashless payment app account assigned to the recipient entity. [Means for solving the problem]

[0006] In order to solve the above problems, the cashless donation system of the present invention comprises: A storage medium (for example, a database already owned by PayPay, etc.) storing unique identification information (for example, an account such as PayPay) of a cashless payment app assigned to a user (such as a donor, a donee, or an organization to which the donee belongs), financial information (for example, credit card information, bank account information, deposit information, etc. registered with PayPay, etc.) linked to the unique identification information, and unique identification information (for example, an account such as PayPay) of a cashless payment app assigned to an organization to which at least the donor belongs among the users, the donor; a mobile terminal for donors (e.g., a smartphone operated by a donor) that transmits unique identification information related to the recipient and information indicating the donation amount to the recipient along with unique identification information assigned to the donor among the users; A server device comprising: an identification means for referring to the storage medium based on the unique identification information and specific identification information transmitted from the donor's mobile terminal, and identifying financial information corresponding to the unique identification information and unique identification information assigned to the donor and / or the organization; and an execution means for performing donation processing based on the unique identification information transmitted from the donor's mobile terminal, the donation amount, and the financial information identified by the identification means; It has.

[0007] The donor portable terminal may also include a reading means for reading the code of the unique identification information.

[0008] Furthermore, the donor portable terminal may also include a transmission means for transmitting information indicating the content of the donation process executed by the execution means to the donor portable terminal.

[0009] Alternatively, the donor's mobile terminal may include a transmitting unit that transmits information indicating the content of the donation process executed by the executing unit to the terminal for the recipient and / or the organization.

[0010] Hereinafter, a cashless donation system according to an embodiment of the present invention will be described with reference to the drawings.

[0011] Figure 1 is a block diagram showing a schematic configuration of a cashless donation system according to an embodiment of the present invention. Figure 1 shows a donor mobile terminal 100, an organization terminal 200, a server device 300, a recipient mobile terminal 400, a storage medium 500, and a network 600, all of which will be described below.

[0012] The storage medium 500 is, for example, a database managed by an electronic payment service provider (such as PayPay Inc.). The storage medium 500 stores unique identification information and specific identification information defined below, and various information about users (donors, donors, organizations to which donors belong, etc.), all of which are linked to one another.

[0013] Unique identification information refers to identification information such as an account or ID (hereinafter simply referred to as "account") that is uniquely assigned to a user. Inherent identification information refers to identification information that is uniquely assigned to, for example, an organization among users and each of the donors belonging to that organization.

[0014] In this embodiment, the "organization" is, for example, a "store" that provides services, the "recipient" is a "specific store clerk" at the store, and the "donor" is a "customer" of the store. An example will be described in which a "customer" who is impressed by the service provided by the "specific store clerk" makes a donation to the "specific store clerk" through a cashless payment app.

[0015] However, the "donation" referred to here does not necessarily have to be incidental to payment of compensation for the service provided by the service provider. In this specification, "donation" also includes, for example, donations made on the spot in recognition of the behavior of a "student staff member" working part-time at a service provider, such as an "izakaya establishment," when serving food and drink, or of the careful work of cleaning staff at an amusement park.

[0016] Instead of the above example, the unique identification information can be unique only to the store. In that case, the unique identification information assigned to the store can be used as the unique identification information. This is convenient because it eliminates the need to delete the registration of the unique identification information each time a store clerk leaves the store.

[0017] In this case, however, the customer must submit information to identify which store clerk the donation should be sent to. In this case, the recipient can be asked to enter the name or nickname of the store clerk, or a list of store clerk names or nicknames can be prepared in advance and the recipient can be asked to select the appropriate person from that list.

[0018] The donor mobile terminal 100 is a terminal that can be carried and operated by the customer, and examples include a smart watch, a mobile phone, a PDA, a tablet terminal, etc., as well as a smartphone as shown in Figure 1. The donor mobile terminal 100 only needs to have at least a calculation function and a communication function, but it is preferable that it has an imaging function for reading unique identification information coded in a QR code (registered trademark) or the like.

[0019] For example, a cashless payment app is installed on the donor mobile terminal 100. The donor mobile terminal 100 can execute the processes described below using FIG. 2 and other figures through cooperation between its CPU, memory, and the cashless payment app. Note that such processes do not necessarily have to be executed by the cashless payment app installed on the donor mobile terminal 100, and can also be executed using, for example, a web browser.

[0020] Group terminal 200 is a terminal operated by the manager or accounting staff of the store to which the clerk belongs, and examples include a personal computer as exemplified in FIG. 1, as well as a tablet terminal, smartphone, smartwatch, mobile phone, PDA, etc. It is preferable that a cashless payment app is installed on group terminal 200, but the processing to be executed by the cashless payment app can also be executed using, for example, a web browser. The processing executed by group terminal 200 in cooperation with its CPU and memory and the cashless payment app, etc., will also be described later using FIG. 2, etc.

[0021] The server device 300 is managed, for example, by an electronic payment service provider. However, the server device 300 may also be managed by another company. The server device 300 provides donation services to the donor mobile terminal 100, the organization terminal 200, and the donation recipient mobile terminal 400. The specific configuration of the server device 300 will also be described using FIG. 2 etc.

[0022] The hardware of the recipient mobile terminal 400 is, similar to the donor mobile terminal 100, exemplified by a smartphone that can be carried and operated by a store clerk. A cashless payment app is preferably installed on the recipient mobile terminal 400, but the processing to be executed by the cashless payment app can also be performed using, for example, a web browser. The processing executed by the CPU and memory of the recipient mobile terminal 400 in cooperation with the cashless payment app will also be described later using FIG. 2 etc.

[0023] Network 600 is a general term for various networks, whether wired or wireless, including mobile phone lines, internet lines, intranet lines, etc. Network 600 interconnects donor mobile terminal 100, organization terminal 200, server device 300, recipient mobile terminal 400, and storage medium 500, enabling communication of various information or data among them.

[0024] Figure 2 is a functional block diagram relating to the main processes executed by the donor mobile terminal 100, the organization terminal 200, the server device 300, and the recipient mobile terminal 400 shown in Figure 1. Figure 2(a) shows a functional block diagram of the donor mobile terminal 100, Figure 2(b) shows the organization terminal 200, Figure 2(c) shows the server device 300, and Figure 2(d) shows the recipient mobile terminal 400.

[0025] As shown in FIG. 2(a), the donor mobile terminal 100 includes a transmission means 110, a registration means 120, and an imaging means 130, which will be described below.

[0026] The transmission means 110 transmits various information necessary to receive the cashless donation service to the server device 300 via the network 600. During initial setup, the transmission means 110 transmits the customer information (e.g., contact information such as name and phone number, financial information such as credit card information, etc.) entered by the customer to obtain an account to be used in a cashless payment app or the like, and when receiving the donation service, transmits unique identification information related to a specific store clerk entered by the customer's operation and information indicating the donation amount to the specific store clerk. Note that the account can be used as information indicating the sender when transmitting such information, but it is also possible to prepare separate information indicating the sender and transmit the various information including the information.

[0027] The registration means 120 registers the account assigned by the server device 300 by transmitting the customer information by the transmission means 110 in a memory or the like (not shown) provided in the donor mobile terminal 100 .

[0028] The imaging means 130 is implemented by a camera mounted on many smartphones and tablet terminals and a program related to the operation of the camera, and reads unique identification information, for example, in the form of a QR code. Note that the QR code can be captured by a customer by placing a panel containing the printed material in a storefront, for example, near a cash register (preferable when unique identification information is assigned only to the store), or by giving a name tag containing the printed material to a store clerk (preferable when unique identification information common to both the store and the store clerk is assigned).

[0029] As shown in FIG. 2(b), the group terminal 200 includes a receiving means 210, a presenting means 220, and a registration means 230, which will be described below.

[0030] The receiving means 210 selectively receives information indicating whether or not a donation process is to be executed, and, if the donation process is to be executed, information indicating the content of the execution, which is transmitted from the transmitting means 330 of the server device 300 via the network 600.

[0031] The meaning of "selective" here is that when a donation from a customer is transferred to the recipient's mobile terminal 400 of a specific store clerk who is the recipient of the donation, the donation is received not in a manner in which only the server device 300 is involved, but in a manner in which both the server device 300 and the organization terminal 200 are involved.

[0032] In addition, the donation transfer method can be configured to be able to physically realize any of the above methods, so that the administrator of the cashless donation system or the administrator of the organization can select either method.

[0033] In addition, when the group terminal 200 is involved in the transfer of donations, the unique identification information and email addresses of all store clerks to whom donations can be transferred may be stored in advance in the storage medium 500 or the group terminal 200, and the address of a specific store clerk may be read out based on information indicating the execution content of the donation process and sent via notification via the cashless payment app or email, etc.

[0034] When information indicating the execution details of the donation process is received by the receiving means 210, the presentation means 220 presents the information to the store manager, accounting staff, etc. The method of this presentation is not limited, and for example, the information may be included in a donation-related screen of the cashless payment app and displayed on a display attached to the group terminal 200.

[0035] The registration means 230 registers the unique identification information and email addresses of all store employees to whom donations can be transferred. These email addresses and other destinations are registered in a memory or storage medium 500 (not shown) that the group terminal 200 has.

[0036] As shown in FIG. 2(c), the server device 300 includes a specifying means 310, an executing means 320, and a transmitting means 330, which will be described below.

[0037] Although the server device 300 does not explicitly state the means for executing this, during initial setup, it receives customer information sent from the transmission means 110 of the donor mobile terminal 100 via the network 600, assigns a unique account, links the customer information to the account and stores it in the storage medium 500, and further creates unique identification information and stores it in the storage medium 500.

[0038] The identification means 310 refers to the storage medium 500 based on various information transmitted from the transmission means 110 of the donor's mobile terminal 100 via the network 600, and identifies the store and / or store clerk who will be the recipient of the donation related to the unique identification information, as well as the financial information linked to the account of the customer who is the donor.

[0039] The execution means 320 determines whether or not the payment process for the donation can be carried out by checking the expiration date and limit of the customer's credit card, the amount that can be withdrawn from the bank account, or the remaining deposit amount, based on the information indicating the donation amount sent by the sending means 110 and the customer's financial information identified by the identification means 310, and carries out the donation process if the payment process is possible.

[0040] The transmission means 330 transmits recipient information (e.g., store name and employee name) indicating the store and / or specific employee who will be the recipient identified by the identification means 310 to the donor's mobile terminal 100, and transmits information indicating whether the donation process has been executed by the execution means 320 and, if the donation process has been executed, information indicating the details of the execution to the organization's terminal 200 and / or the recipient's mobile terminal 400 and the donor's mobile terminal 100 via the network 600.

[0041] As shown in FIG. 2(d), the recipient mobile terminal 400 includes a receiving means 410, a presenting means 420, and a transmitting means 430, which will be described below.

[0042] The receiving means 410 receives information indicating whether or not the donation process is being executed by the server device 300, and if the donation process is being executed, information indicating the content of the execution, directly from the server device 300 via the network 600 or also via the organization terminal 200.

[0043] When the receiving means 410 receives information indicating, for example, the execution details of the donation process, the presentation means 420 presents the information to a specific store clerk, for example by displaying the information on the display of the recipient's mobile terminal 400.

[0044] The transmission means 430 transmits various information necessary to receive the cashless donation service to the server device 300 via the network 600. During initial setup, the transmission means 430 transmits the clerk information (e.g., name, contact information, financial information, etc.) entered by the clerk in order to obtain an account to be used in a cashless payment app or the like, and also transmits the account assigned to the store to which the specific clerk belongs and the account assigned to the specific clerk, which may be necessary when creating unique identification information, when receiving the donation service.

[0045] Fig. 3 is a diagram showing an example of main information stored in the storage medium 500 shown in Fig. 1. As shown in Fig. 3, the storage medium 500 stores various information for various cashless payments including donation services, such as "name," "date of birth," "account," "telephone number," "email address," "credit card number," and "unique identification information."

[0046] It should be noted that while Figure 3 shows examples of the main information to be stored, for example, a "bank account number" may be stored instead of or in addition to a "credit card number," and that a login password may also be stored in addition to the information shown in Figure 3, and that all of the information shown in Figure 3 does not necessarily have to be stored.

[0047] Figures 4(a) to 4(c) are diagrams showing example screens relating to the donation service that are displayed on the display of the donor's mobile terminal 100 after the cashless payment app is launched on the donor's mobile terminal 100 shown in Figure 1. Here, an example is shown in which a customer, "Hanako Sato," makes a donation of, for example, 300 yen to a clerk, "Taro Yamada," at a store, "Store XX."

[0048] Figure 4(a) shows an example of a screen on the display of the donor's mobile terminal 100, which displays instructions such as "Please scan the QR code of the donation destination," and also displays the imaging area of ​​the QR code.

[0049] By displaying the example screen shown in Figure 4(a), it is possible to prompt Hanako Sato, who will be the donor, to read the QR code related to the unique identification information of Taro Yamada, who will be the recipient. Note that when the example screen shown in Figure 4(a) is displayed, the imaging means 130 is switched to the on state.

[0050] Figure 4(b) shows an example of a screen to which the display transitions from the example screen shown in Figure 4(a) when the QR code is successfully read. Figure 4(b) shows an example of a screen that displays, on the display of the donor's mobile terminal 100, a confirmation item such as "You are making a donation to Yamada Taro at XX store," instructions such as "Please enter the amount you would like to donate," and an input area for the donation amount.

[0051] Fig. 4(c) shows an example of a screen to which the display transitions from the example screen shown in Fig. 4(b) when, for example, "300 yen" is entered as the donation amount. Fig. 4(c) shows an example of a screen on the display of the donor's mobile terminal 100 that displays a report such as "Your donation of 300 yen to Yamada Taro of XX store has been completed," as well as a thank-you message such as "We look forward to your next visit."

[0052] If the unique identification information is specific only to a store, reading the QR code on the example screen shown in Figure 4(a) may identify "Store XX" but not "Yamada Taro," so in such a case, it is advisable to prepare an example screen that displays instructions such as "Please enter the name or nickname of the store clerk," along with an input area for the name, etc., and transition to the example screen after displaying the example screen of Figure 4(a), and then transition to the example screen of Figure 4(b). Note that instead of such an example screen, it is also possible to prepare an example screen that displays instructions such as "Please select the store clerk you would like to donate to from the list below," along with a selectable list of store clerk names, etc.

[0053] Figure 5 is a flow chart showing the operation of the cashless donation system shown in Figure 1. Here, it is assumed that the following initial settings have already been completed, specifically, that each user has been assigned an account, and that various information including each user's account and unique identification information has been stored in storage medium 500. Below, the operation of the cashless donation system will be explained based on the examples shown in Figures 4(a) to 4(c).

[0054] First, let us say that Hanako Sato wants to make a donation to Taro Yamada, who works at XX store, and launches the cashless payment app by operating the donor's mobile terminal 100. In this case, the account and login password registered by the registration means 120 are sent to the server device 300 by the reception means 210, and in this example, the account and other information are successfully authenticated, and the cashless donation service begins to be provided.

[0055] Then, on the donor's mobile terminal 100, the example screen shown in Figure 4(a) is displayed on the display, and when Sato Hanako operates in accordance with the instructions shown on the example screen, the imaging means 130 captures an image of the QR code on Yamada Taro's name tag, etc., thereby reading the coded unique identification information (step S1).

[0056] Thereafter, in the donor's mobile terminal 100, the transmission means 110 transmits the unique identification information read by the imaging means 130 to the server device 300 via the network 600, with the account assigned to Sato Hanako etc. as the sender of the information (step S2).

[0057] In the server device 300, when various information transmitted from the donor's mobile terminal 100 is received, the identification means 310 refers to the storage medium 500 to identify the account of the XX store and Taro Yamada's account related to the unique identification information (step S3).

[0058] Next, in the server device 300, the transmission means 330 transmits the recipient information shown in the example screen shown in Figure 4(b), which was created based on each account identified by the identification means 310, to the donor's mobile terminal 100, which is the source of the unique identification information, etc., via the network 600 (step S4).

[0059] When the donor's mobile terminal 100 receives the recipient information, the example screen shown in Figure 4(b) is rendered on its display, and the display object changes from that shown in Figure 4(a) to that shown in Figure 4(b).

[0060] Next, suppose that Hanako Sato operates the donor mobile terminal 100 according to the screen example shown in Figure 4(b), inputs 300 yen as the donation amount, and taps the "Send" area. In this case, the transmission means 110 transmits information indicating the unique identification information and donation amount related to Taro Yamada to the server device 300 via the network 600, with the account assigned to Hanako Sato as the sender of the information (step S5).

[0061] When the server device 300 receives various information sent from the donor's mobile terminal 100, the identification means 310 refers to the storage medium 500 to read the financial information linked to Sato Hanako's account (step S6a), and identifies that Sato Hanako's remaining deposit and the donation amount to Yamada Taro are 300 yen (step S6b).

[0062] Next, in the server device 300, the execution means 320 checks the remaining deposit balance of Sato Hanako based on the financial information and donation amount of Sato Hanako identified by the identification means 310, and if it determines that the payment process for the donation is possible, executes the donation process, such as transferring the donation from Sato Hanako to Yamada Taro to the organization terminal 200, for example (step S7).

[0063] As mentioned above, the server device 300 may transfer the donation from Sato Hanako to Yamada Taro to the recipient's mobile terminal 400, rather than to the organization terminal 200. The destination of the donation may be determined in advance by the store manager or the like. In this case, when the financial information is read, the destination information stored in the storage medium 500 may also be confirmed.

[0064] Then, in the server device 300, the transmission means 330 transmits information indicating that the donation process has been executed by the execution means 320 and the execution content of the donation process (in this example, information that Sato Hanako has donated 300 yen to Yamada Taro of XX store) to, for example, the organization terminal 200 and the donor mobile terminal 100 via the network 600 (step S8).

[0065] The transmission means 330 may also transmit the information to the recipient's mobile terminal 400 instead of or together with the organization terminal 200. The transmission medium for the information is not limited to using a cashless payment app, but may also be email.

[0066] The donor's mobile terminal 100 receives information via the network 600 that Hanako Sato has donated 300 yen to Taro Yamada, and the screen example shown on the display changes from that shown in Fig. 4(b) to that shown in Fig. 4(c). This allows Hanako Sato to know that the donation process for 300 yen to Taro Yamada at the XX store has been completed.

[0067] Meanwhile, in the group terminal 200, the receiving means 210 receives information via the network 600 that Sato Hanako has donated 300 yen to Yamada Taro, and displays, for example, a receipt notification on a display attached to the group terminal 200 (step S9).

[0068] As a result, when the manager or the like of the XX store operates the group terminal 200 to launch the cashless payment app, the presentation means 220 presents the information by displaying a screen containing information such as "A donation of 300 yen has been made to Taro Yamada" on a display attached to the group terminal 200 as information indicating the execution content of the donation process (step S10).

[0069] Therefore, the administrator etc. will know that a donation of 300 yen has been processed from Sato Hanako to Yamada Taro, and by operating the organization terminal 200, he or she will be able to transfer the donation from Sato Hanako to Yamada Taro's recipient mobile terminal 400 via network 600.

[0070] In addition, since the administrator or other person in charge will be able to identify the store employee who received the donation and the amount of the donation, this information can be used for personnel evaluation, for example, to increase the employee's salary or give them an award.

[0071] In fact, when the transfer is made from the organization terminal 200 to the recipient's mobile terminal 400 (step S11), the receiving means 410 on the recipient's mobile terminal 400 can receive the donation from Sato Hanako, and can also display a receipt notification on the display, for example, that the donation has been received (step S12).

[0072] As a result, when Yamada Taro operates the recipient's mobile terminal 400 to launch the cashless payment app, the presentation means 420 of the recipient's mobile terminal 400 displays on its display the donation amount and other information received by the receiving means 410 (step S13).

[0073] According to the method described above, Taro Yamada, the recipient, can receive a donation from Hanako Sato, the donor, without informing her of the account assigned to him. [Brief explanation of the drawings]

[0074] [Figure 1] 1 is a block diagram showing a schematic configuration of a cashless donation system according to an embodiment of the present invention. [Figure 2] 1 is a functional block diagram of main processes executed by the donor mobile terminal 100, the organization terminal 200, the server device 300, and the donation recipient mobile terminal 400 shown in FIG. [Figure 3] 2 is a diagram showing an example of main information stored in a storage medium 500 shown in FIG. 1. FIG. [Figure 4] 1. FIG. 2 is a diagram showing an example of a screen related to a donation service that is displayed on the display of the donor's mobile terminal 100 after the cashless payment app is launched on the donor's mobile terminal 100 shown in FIG. [Figure 5] 2 is a flow chart showing the operation of the cashless donation system shown in FIG. 1. [Explanation of symbols]

[0075] 100 mobile devices for donors 110 Transmission means 120 Registration Method 130 Imaging means 200 Group terminals 210 Receiving means 220 Presentation means 230 Registration Methods 300 Server device 310 Specific means 320 Means of Implementation 330 Transmission means 400 Mobile devices for recipients 410 Receiving means 420 Presentation means 430 Transmission Method 500 Storage Media 600 Network

Claims

1. A storage medium storing unique identification information for a cashless payment app assigned to a user, financial information linked to the unique identification information, and unique identification information for a cashless payment app assigned to an organization to which at least one of the users, a donor, belongs; a mobile terminal for donors that transmits unique identification information relating to the recipient and information indicating the amount of donation made to the recipient together with unique identification information assigned to the donor among the users; A server device comprising: a specifying means for referring to the storage medium based on the unique identification information and specific identification information transmitted from the donor's mobile terminal, and specifying financial information corresponding to the unique identification information and unique identification information assigned to the donor and / or the organization; and an execution means for performing donation processing based on the unique identification information transmitted from the donor's mobile terminal, the donation amount, and the financial information specified by the specifying means; A cashless donation system.

2. The cashless donation system according to claim 1 , wherein the donor's portable terminal includes a reading means for reading the code of the unique identification information.

3. The cashless donation system according to claim 1 , wherein the donor's mobile terminal is provided with a transmission means for transmitting information indicating the content of the donation processing executed by the execution means to the donor's mobile terminal.

4. The cashless donation system of claim 1, wherein the donor's mobile terminal is equipped with a transmission means for transmitting information indicating the content of the donation processing executed by the execution means to the terminal for the recipient and / or the organization.

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