Money transfer control system, money transfer control server, and storage medium

Abstract

To provide a remittance control system, a remittance control server and a program for promoting the use of an inter-individual remittance service.SOLUTION: The money transfer control system inputs money transfer request information to a user terminal of a money transferor, transmits it to a money transfer source server, makes the money transfer source server determine whether a financial institution code related to a deposit account of a recipient constituting the money transfer request information corresponds to a corresponding financial institution code in which a money transfer fee is set to be free of charge and whether a money transfer amount is a predetermined amount or less, and when the conditions are satisfied, generates money transfer instruction information from the deposit account of the money transferor to the deposit account of the recipient based on the money transfer request information, transmits it to the money transfer processing server, makes the money transfer processing server generate withdrawal instruction information including withdrawal information for withdrawing the money transfer amount from the deposit account of the money transferor and information indicating that the money transfer fee is free of charge, transmits it to the money transfer destination server.SELECTED DRAWING: Figure 2

Description

[Technical Field]

[0001] The present invention relates to a remittance control system, a remittance control server, and a program. [Background technology]

[0002] One method of transferring money between two parties is a transfer between deposit accounts. When transferring money between different financial institutions, a transfer fee is generally charged to the person making the transfer.

[0003] Therefore, in order to eliminate the burden of transfer fees on the person making the transfer, a person-to-person remittance service has been provided (Non-Patent Document 1). This service allows remittance of amounts of less than 100,000 yen per transaction to individuals who have opened a deposit account at a financial institution that accepts this service, free of remittance fees. [Prior art documents] [Non-patent literature]

[0004] [Non-Patent Document 1] Kotora Co., Ltd. "Kotora Remittance Service Introduction Site" URL: https: / / www.cotra.ne.jp / p2pservice / Summary of the Invention [Problem to be solved by the invention]

[0005] The above-mentioned person-to-person remittance service can be used on the application software of financial institutions installed on the remitter's terminal, but because there are not enough financial institutions and money transfer businesses that support the service, the remitter must check whether the financial institution or money transfer business at the destination supports the service, which can be a hassle and may discourage the use of the service.

[0006] Therefore, an object of the present invention is to promote the use of person-to-person remittance services. [Means for solving the problem]

[0007] [1] A remittance control system for controlling a remittance process from a remitter's deposit account to a recipient's deposit account, means for receiving input of remittance request information at a remitter terminal used by the remitter and transmitting the input remittance request information to a remitter server; The remittance source server: means for determining whether the financial institution code related to the recipient's deposit account constituting the remittance request information corresponds to a corresponding financial institution code set as an applicable condition for no remittance fee stored in a storage means, and whether the remittance amount is equal to or less than a predetermined amount set as an applicable condition; means for generating remittance instruction information from the remitter's deposit account to the recipient's deposit account based on the remittance request information, if the financial institution code corresponds to the corresponding financial institution code and the remittance amount is equal to or less than the predetermined amount, and for transmitting the remittance instruction information to a remittance processing server; The remittance processing server receives the remittance instruction information. means for generating debit instruction information including debit information for debiting the remittance amount from the account balance constituting the deposit account information related to the remitter's deposit account and remittance fee information for waiving the remittance fee, and for transmitting the debit instruction information to the remitter's server; means for generating deposit instruction information including deposit information for depositing the remittance amount into the account balance constituting the deposit account information related to the recipient's deposit account, and for transmitting the deposit instruction information to a remittance destination server; A remittance control system comprising:

[0008] [2] A remittance control server that controls a remittance process from a remitter's deposit account to a recipient's deposit account, a storage means for storing applicable conditions for free remittance fees; a determining means for determining whether the financial institution code related to the recipient's deposit account included in the remittance request information received from the remitter's terminal corresponds to the applicable financial institution code set in the applicable conditions, and whether the remittance amount is equal to or less than a predetermined amount set in the applicable conditions; a remittance instruction information generating means for generating remittance instruction information from the remitter's deposit account to the recipient's deposit account based on the remittance request information when the financial institution code corresponds to the corresponding financial institution code and the remittance amount is equal to or less than the predetermined amount, and transmitting the remittance instruction information to a remittance processing server; a debiting means for receiving debit instruction information based on the remittance instruction information from the remittance processing server, and for performing a debiting process for debiting the remittance amount from the account balance constituting the deposit account information related to the remitter's deposit account and a process for waiving the remittance fee; A remittance control server comprising:

[0009] [3] A program for controlling a remittance process from a remitter's deposit account to a recipient's deposit account, Allowing the remitter terminal used by the remitter to accept input of remittance request information and transmitting the input remittance request information to a remitter server; The remittance source server: determining whether the financial institution code related to the recipient's deposit account constituting the remittance request information corresponds to a corresponding financial institution code set as an applicable condition for no remittance fee stored in a storage means, and whether the remittance amount is equal to or less than a predetermined amount set as an applicable condition; If the financial institution code corresponds to the corresponding financial institution code and the remittance amount is equal to or less than the predetermined amount, generate remittance instruction information from the remitter's deposit account to the recipient's deposit account based on the remittance request information, and transmit the remittance instruction information to a remittance processing server; The remittance processing server receives the remittance instruction information. Generate debit instruction information including debit information for debiting the remittance amount from the account balance constituting the deposit account information related to the remitter's deposit account and remittance fee information for waiving the remittance fee, and transmit the debit instruction information to the remitter's server; Generate deposit instruction information including deposit information for depositing the remittance amount into the account balance that constitutes the deposit account information related to the recipient's deposit account, and transmit the deposit instruction information to a remittance destination server managed by the financial institution related to the recipient's deposit account. A program characterized by: [Effects of the Invention]

[0010] According to the present invention, it is possible to promote the use of person-to-person remittance services. [Brief explanation of the drawings]

[0011] [Figure 1] FIG. 1 is a diagram illustrating an example of the overall configuration of a remittance control system according to an embodiment of the present invention. [Figure 2] A diagram showing an example of the configuration of (a) a user terminal, (b) a remittance source server, (c) a remittance destination server, and (d) a remittance processing server, all of which are provided in the remittance control system. [Figure 3] (a) A diagram showing an example of the deposit account information of the remitter and the recipient, and (b) A diagram showing an example of the recipient setting information for person-to-person remittance. [Figure 4] (a) A diagram showing an example of applicable conditions for person-to-person remittance, (b) A diagram showing an example of instruction information for person-to-person remittance [Figure 5] Flow diagram showing an example of processing for person-to-person remittance [Figure 6] FIG. 10 is a diagram showing an example of an input screen for person-to-person remittance displayed on the remitter's user terminal. [Figure 7] (a), (b), and (c) are examples of the input screen for person-to-person remittance, following on from Figure 6. [Figure 8] FIG. 10 is a diagram illustrating another example of an input screen for person-to-person remittance displayed on the remitter's user terminal. [Figure 9](a), (b), and (c) are examples of confirmation screens for the input of personal remittances, following on from Figure 7. [Figure 10] (a), (b), and (c) are examples of the completion screen for person-to-person remittance, following on from Figure 9. [Figure 11] FIG. 1 is a flow diagram illustrating an example of processing by the remittance control system according to the present embodiment. [Figure 12] A diagram showing an example of a transfer input screen displayed on the remitter's user terminal. [Figure 13] FIG. 13 is a diagram showing an example of a transfer input screen following FIG. 12. [Figure 14] Figure 13 shows an example of a transfer confirmation screen [Figure 15] Figure 14 shows an example of a selection confirmation screen for person-to-person remittance. [Figure 16] An example of the personal transfer completion screen following Figure 15 [Figure 17] FIG. 10 is a flowchart showing another example of the process performed by the remittance control system of the present embodiment. [Figure 18] Flow diagram continued from Figure 17 DETAILED DESCRIPTION OF THE INVENTION

[0012] An example of an embodiment of the present invention will be described below with reference to the accompanying drawings. The remittance control system of this embodiment is comprised of one or more computers and is used when a remitter remits money to a remittance destination on the web or through application software (hereinafter simply referred to as "app").

[0013] In the configuration shown in Figure 1, city banks, regional banks, so-called online banks that conduct banking services over the Internet, money transfer companies (hereinafter referred to as "financial institutions"), etc. are used as senders or recipients of remittances, and the remittance control system 10 is constructed with the following configuration. The user terminal 20A used by the remitter is communicably connected to the remitter's system 30 managed by the remitter's financial institution via a communication network 60A including the Internet communication network and a wireless communication network defined by wireless communication standards. The remittance source system 30 and the remittance destination system 50 managed by the remittance destination financial institution are communicatively connected to a person-to-person remittance system 40 managed by a fund infrastructure settlement business operator via a communication network 60B such as a dedicated line. The user terminal 20B used by the recipient is communicably connected to the remittance destination system 50 via the communication network 60A.

[0014] [User device] The user terminal 20 is a terminal used by the remitter and the recipient, and is a terminal such as a personal computer, a smartphone, or a tablet.

[0015] 2(a), the user terminal 20 includes a control unit 21 which is a CPU that executes various computer programs and performs arithmetic processing, a memory unit 25 which is a storage device such as RAM or internal storage that stores the computer programs and various data, an output unit 24 which is an information output device such as a liquid crystal display, an input unit 23 which is an information input device such as a touch panel, and a communication unit 22 which is a communication module that transmits and receives various information to and from each of the remittance source system 30 and the remittance destination system 50 via the communication network 60A. Note that if the user terminal 20 is a mobile terminal such as a smartphone or tablet, the terminal includes a camera module (not shown) as a photographing unit.

[0016] When the user terminal 20 is a user terminal 20A used by a remitter, a remitter application 25A provided by the remitter's financial institution is stored in the memory unit 25. When the remitter application 25A is executed, the control unit 21 communicates with the remitter system 30 and causes the user terminal 20A to function as various means.

[0017] Furthermore, when the user terminal 20A is a personal computer, a browser application 25C is stored in the storage unit 25. When the browser application 25C is executed, the control unit 21 communicates with the remittance source system 30 and causes the user terminal 20A to function as a web page display means.

[0018] When the user terminal 20 is the user terminal 20B used by the recipient, a remittance destination application 25B provided by the remittance destination financial institution is stored in the memory unit 25. When the remittance destination application 25B is executed, the control unit 21 communicates with the remittance destination system 50 and causes the user terminal 20B to function as various means.

[0019] [Remitter system] The remittance source system 30 is a system constructed and managed by the remittance source financial institution using one or more computers (terminals such as personal computers, smartphones, tablets, etc.), a remittance source server 31, and other servers equipped with various functions.

[0020] The remittance source server 31 has the functions of a web server, authentication server, and remittance control server, which are one aspect of this embodiment, and as shown in Figure 2(b), it is equipped with a control unit 32 which is a CPU that executes various computer programs and performs calculations, a memory unit 34 which is a storage device such as RAM or internal storage that stores the computer programs and various data, and a communication unit 33 which is a communication module that sends and receives various information to and from the user terminal 20A via communication network 60A and sends and receives various information to and from the person-to-person remittance system 40 via communication network 60B.

[0021] The storage unit 34 stores a deposit account database (hereinafter, database will be referred to as "DB") 34A, a remittance source application management program 34B, person-to-person remittance application conditions 34C, a Web program 34D, and an authentication program 34E.

[0022] As an example, the deposit account DB 34A stores the remitter's deposit account information as shown in FIG. 3(a). In the remitter's deposit account information, the "deposit type" is information identifying the type of deposit, such as ordinary deposit, current deposit, or savings deposit, and the "attributes" are information identifying whether the account holder is an individual or a corporation and whether the account holder is a resident or a non-resident. Furthermore, the "authentication information" is information identifying whether FIDO authentication is set or FIDO authentication information. The remitter's deposit account information is linked to the remitter's account related to the remitter app 25A.

[0023] The remittance source application management program 34B causes the remittance source server 31 to function as various remittance control means in accordance with the transmission and reception of various information between the user terminal 20A and the person-to-person remittance system 40.

[0024] The person-to-person remittance application conditions 34C are information used when the remittance source application management program 34B, which will be described later, causes the remittance source server 31 to function as a determination means. As shown in Fig. 4, the person-to-person remittance application conditions 34C are composed of a compatible financial institution code for determining whether the remittance destination financial institution is a financial institution that can use person-to-person remittance, an intra-bank remittance discrimination code for determining whether the remittance source financial institution and the remittance destination financial institution are the same, an upper limit on the remittance amount, attribute codes for determining whether the remittance requester (transfer requester) and the recipient are an individual or a corporation and a resident or a non-resident, codes for determining whether the remittance date (designated transfer date) is the same day and whether the remittance requester's name (transfer requester's name) has been changed, a FIDO authentication discrimination code for determining whether FIDO authentication has been completed, and a blockage discrimination code for determining whether the remittance source system 30 or the person-to-person remittance system 40 is in a blocked state.

[0025] The Web program 34D causes the remittance source server 31 to function as a Web page providing means in accordance with the transmission and reception of various information to and from the user terminal 20A.

[0026] The authentication program 34E causes the remittance source server 31 to function as an authentication means in accordance with the transmission and reception of various information to and from the user terminal 20A.

[0027] [Remittance destination system] The remittance destination system 50 is a system constructed and managed by the remittance destination financial institution using one or more computers (terminals such as personal computers, smartphones, tablets, etc.), a remittance destination server 51, and other servers equipped with various functions.

[0028] As shown in Figure 2(c), the remittance destination server 51 comprises a control unit 52 which is a CPU that executes various computer programs and performs arithmetic processing, a memory unit 54 which is a storage device such as RAM or internal storage that stores the computer programs and various data, and a communication unit 53 which is a communication module that sends and receives various information to and from the user terminal 20B via the communication network 60A, and sends and receives various information to and from the person-to-person remittance system 40 via the communication network 60B.

[0029] The storage unit 54 stores a deposit account DB 54A and a remittance destination application management program 54B.

[0030] As an example, the deposit account DB 54A stores the recipient's deposit account information as shown in Fig. 3(a). The recipient's deposit account information is linked to the recipient's account related to the remittance destination application 25B.

[0031] The remittance destination application management program 54B causes the remittance destination server 51 to function as various means in accordance with the transmission and reception of various information between the user terminal 20B and the person-to-person remittance system 40.

[0032] [Personal remittance system] The person-to-person remittance system 40 is a system constructed and managed by a financial infrastructure settlement business operator using one or more computers (terminals such as personal computers, smartphones, tablets, etc.), a remittance processing server 41 that manages person-to-person remittances, and a server that implements various other functions.

[0033] As shown in Figure 2(d), the remittance processing server 41 includes a control unit 42, which is a CPU that executes various computer programs and performs calculations, a memory unit 44, which is a storage device such as RAM or internal storage that stores the computer programs and various data, and a communication unit 43, which is a communication module that sends and receives various information to and from the remittance source system 30 and the remittance destination system 50 via the communication network 60B.

[0034] The memory unit 44 stores a recipient DB 44A and a remittance program 44B.

[0035] As an example, the recipient DB 44A stores recipient setting information as shown in Fig. 3(b). The recipient setting information is information generated based on necessary elements of the deposit account information entered on the recipient's user terminal 20B and the recipient's deposit account information stored in the deposit account DB 54A of the remittance destination server 51.

[0036] The remittance program 44B causes the remittance processing server 41 to function as various means in accordance with the transmission and reception of various information between the remittance source system 30 and the remittance destination system 50.

[0037] [Personal remittance processing flow] An example of a processing flow for person-to-person remittance will be described with reference to Figures 5 to 10. Note that this processing flow provides an overview of the above-mentioned conventionally known person-to-person remittance.

[0038] When the recipient activates remittance destination application 25B by operating user terminal 20B as a pre-setting, remittance destination application 25B causes user terminal 20B to function as a financial institution provided function accepting means. Control unit 21 displays a transaction menu screen for various procedures and the like provided by the financial institution related to remittance destination application 25B in accordance with remittance destination application 25B.

[0039] When the recipient selects transfer in the various procedures, the control unit 21 displays a remittance method selection screen with a transfer tab and a person-to-person remittance tab provided by the fund infrastructure settlement business operator in accordance with the remittance destination application 25B.

[0040] When the recipient selects the person-to-person remittance tab, remittance destination application 25B causes user terminal 20B to function as a person-to-person remittance function accepting means. Control unit 21, in accordance with remittance destination application 25B, displays a person-to-person remittance menu screen for inputting remittance request information and receiving settings, etc.

[0041] When the recipient selects the receiving setting, the control unit 21, in accordance with the remittance destination application 25B, displays an input screen for the telephone number or email address required to link the recipient's deposit account information with the contact information.

[0042] When the recipient inputs a phone number or email address, control unit 21 performs a predetermined authentication process in accordance with remittance destination application 25B, and after the authentication process is completed, transmits the recipient's account information related to remittance destination application 25B and the input phone number or email address to remittance destination server 51.

[0043] In the remittance destination server 51, the remittance destination application management program 54B causes the remittance destination server 51 to function as a recipient setting means. In accordance with the remittance destination application management program 54B, the control unit 52 links the recipient's account information and telephone number or email address received by the communication unit 53 with the recipient's deposit account information stored in the deposit account DB 54A to generate recipient setting information as shown in FIG. 3(b), and transmits the information to the remittance processing server 41.

[0044] In the remittance processing server 41, the remittance program 44B causes the remittance processing server 41 to function as a storage means. The control unit 42 stores the recipient setting information received by the communication unit 43 in the recipient DB 44A in accordance with the remittance program 44B.

[0045] When the above linkage is completed, user terminal 25B functions as a person-to-person remittance function accepting means, and control unit 21 displays a recipient setting completion screen in accordance with remittance destination application 25B.

[0046] (S501) After the recipient settings are complete, the remitter operates user terminal 20A to launch remittance source application 25A. Remittance source application 25A causes user terminal 20A to function as a financial institution-provided function accepting unit. Control unit 21, in accordance with remittance source application 25A, displays a transaction menu screen for various procedures and the like provided by the financial institution associated with remittance source application 25A.

[0047] (S502) When the remitter selects transfer from the various procedures described above, control unit 21, in accordance with remitter application 25A, displays a remittance method selection screen with a transfer tab and a person-to-person remittance tab provided by a financial infrastructure settlement business operator. When the remitter selects the person-to-person remittance tab, remittance source application 25A causes user terminal 20A to function as a person-to-person remittance function accepting unit. Control unit 21, in accordance with remittance source application 25A, displays a person-to-person remittance menu screen for inputting remittance request information and receiving settings.

[0048] (S503) When the remitter selects to input remittance request information, control unit 21, in accordance with remitter application 25A, displays a screen for inputting remittance request information as shown in Fig. 6. In the example shown in Fig. 6, it is possible to input the remittance amount, select the remittance method, and input a message to the recipient. When selecting the remittance method, the remitter can select either the recipient's telephone number, email address, or account number, and depending on the selection, the remitter enters the necessary information on an information input screen such as that shown in Figure 7. Furthermore, the control unit 21 can display the person-to-person remittance history in accordance with the remittance source application 25A, and can also display an input screen for remittance request information as shown in FIG. 8 based on the selected history.

[0049] (S504) When the remitter inputs the remittance request information, control unit 21 determines whether the remittance amount constituting the remittance request information is equal to or less than a predetermined amount (for example, 100,000 yen or less) in accordance with remittance source application 25A. If the remittance amount is equal to or less than the predetermined amount, control unit 21 displays an input confirmation screen according to the selected remittance method, as shown in FIG. 9, in accordance with remittance source application 25A.

[0050] (S505) When the remitter confirms the remittance request information, control unit 21 transmits the remittance request information and the remitter's account information related to remitter application 25A to remitter server 31 in accordance with remitter application 25A. In the remittance source server 31, the remittance source application management program 34B causes the remittance source server 31 to function as a remittance instruction information generating means. In accordance with the remittance source application management program 34B, the control unit 32 generates person-to-person remittance instruction information as shown in FIG. 4(b), in which remittance requester information including the remittance requester name and remittance amount related to the remitter's account information constituting the remittance request information and recipient information are linked to a reception number, and transmits the information to the remittance processing server 41.

[0051] (S506) In the remittance processing server 41, the remittance program 44B causes the remittance processing server 41 to function as a remittance execution means based on the person-to-person remittance instruction information. In accordance with the remittance program 44B, the control unit 42 generates debit instruction information including debit information for debiting the remittance amount from the account balance constituting the deposit account information related to the remitter's deposit account and remittance fee information for waiving the remittance fee, and transmits the information to the remitter's server 31. In addition, the control unit 42 generates deposit instruction information including deposit information for depositing the remittance amount into the account balance that constitutes the deposit account information related to the recipient's deposit account in accordance with the remittance program 44B, and transmits the information to the remittance destination server 51.

[0052] (S507A, S507B) In the remittance source server 31, the remittance source application management program 34B causes the remittance source server 31 to function as a withdrawal means. In accordance with the remittance source application management program 34B, the control unit 32 receives withdrawal instruction information based on the remittance instruction information from the remittance processing server 41, and performs a withdrawal process to withdraw the remittance amount from the account balance that constitutes the deposit account information related to the remitter's deposit account, and a process to make the remittance fee free. In addition, in the remittance destination server 51, the remittance destination application management program 54B causes the remittance destination server 51 to function as a deposit means. In accordance with the remittance destination application management program 54B, the control unit 52 receives deposit instruction information based on the remittance instruction information from the remittance processing server 41, and performs a deposit process of the remittance amount to the account balance that constitutes the deposit account information related to the recipient's deposit account.

[0053] (S508) In the remittance source server 31, the control unit 32 generates remittance completion information in a predetermined format in accordance with the remittance source application management program 34B, and sends the information to the remitter's user terminal 20A.

[0054] (S509) In the user terminal 20A, the control unit 21 displays a remittance completion screen according to the selected remittance method as shown in FIG.

[0055] (S510) In the remittance destination server 51, the control unit 52 generates money arrival information in a predetermined format in accordance with the remittance destination application management program 54B, and transmits the information to the recipient's user terminal 20B.

[0056] (S511) In user terminal 20B, remittance destination application 25B causes user terminal 20B to function as a notification means. Control unit 21 sends a money arrival notification such as a push notification in accordance with remittance destination application 25B. When the recipient operates the money arrival notification, the recipient can check the money arrival information.

[0057] [Remittance Control Process Flow 1 in this Embodiment] An example of a remittance control process flow by the remittance control system 10 of this embodiment will be described with reference to Figures 11 to 16. In this process flow, the user terminal 20A is a mobile terminal such as a smartphone or tablet.

[0058] (S1101) When the remitter operates the user terminal 20A to launch the remittance source app 25A, the remittance source app 25A causes the user terminal 20A to function as a financial institution-provided function accepting means. The control unit 21, in accordance with the remittance source app 25A, displays a transaction menu screen showing various procedures and the like provided by the financial institution related to the remittance source app 25A. Note that prior to displaying the transaction menu screen, the remittance source app 25A causes the user terminal 20A to function as an authentication means, and a login process using conventionally known FIDO authentication has been completed.

[0059] (S1102) When the remitter selects transfer from the various procedures described above, the control unit 21, in accordance with the remitter application 25A, displays a remittance method selection screen with a transfer tab and a person-to-person remittance tab provided by the financial infrastructure settlement service provider, as shown in FIG. 12. When the remitter selects the transfer tab, control unit 21, in accordance with remitter application 25A, displays a transfer destination selection screen including a new transfer tab, a registered transfer destination tab, and a recent transfer destination tab.

[0060] (S1103) When the remitter selects the new transfer tab, control unit 21 displays a screen for inputting transfer request information as shown in FIG. 13 in accordance with remitter application 25A.

[0061] (S1104) When the remitter inputs the transfer request information, control unit 21, in accordance with remitter application 25A, displays a transfer request information input confirmation screen as shown in FIG.

[0062] (S1105) When the remitter confirms the transfer request information, control unit 21 transmits the transfer request information and the remitter's account information related to remitter application 25A to remitter server 31 in accordance with remitter application 25A. In the remittance source server 31, the remittance source application management program 34B causes the remittance source server 31 to function as a determination means. In accordance with the remittance source application management program 34B, the control unit 32 transmits to the remittance processing server 41 the transfer destination information constituting the above-mentioned transfer request information and the request information for recipient setting information corresponding to the recipient name, financial institution, account number, etc. constituting the transfer destination information.

[0063] (S1106) In the remittance processing server 41, the remittance program 44B causes the remittance processing server 41 to function as a search means. In accordance with the remittance program 44B, the control unit 42 collates the transfer destination information received by the communication unit 43 with the recipient DB 44A, and transmits the corresponding recipient setting information to the remittance source server 31.

[0064] (S1107) In the remittance source server 31, the control unit 32 performs the following determination process in accordance with the remittance source application management program 34B. A first determination process for determining whether the financial institution code of the financial institution associated with the recipient's deposit account as shown in Figures 13 and 14, which constitutes the transfer request information received by the communication unit 33, corresponds to the corresponding financial institution code set in the applicable conditions 34C for person-to-person remittance with no remittance fee stored in the memory unit 34. A second determination process for determining whether the transfer amount as shown in FIGS. 13 and 14 constituting the transfer request information is equal to or less than the upper limit transfer amount set in the personal transfer application conditions 34C. A third determination process for checking the transfer requester name shown in Figures 13 and 14 that constitute the transfer request information against the deposit account DB 34A and determining whether the transfer requester name set in the person-to-person remittance application conditions 34C is the same as the account holder that constitutes the deposit account information. A fourth determination process in which the attributes of the transfer requester (remitter) as shown in Figures 13 and 14 constituting the transfer request information are compared with the deposit account DB 34A, and whether the attributes of the transfer requester set in the person-to-person remittance application conditions 34C correspond to the attributes indicating an individual and a resident. A fifth determination process in which the recipient attributes shown in FIG. 14 constituting the transfer request information are compared with the recipient setting information received by the communication unit 33, and the recipient attributes set in the person-to-person remittance application conditions 34C correspond to attributes indicating an individual and a resident. A sixth determination process in which the login information of the user terminal 20A of the remittance requester (remitter) as shown in FIGS. 13 and 14, which constitute the transfer request information, is compared with the authentication information stored in the storage unit 34 to determine whether the user terminal 20A set in the person-to-person remittance applicable conditions 34C has been FIDO authenticated. A seventh determination process that determines whether the financial institution code of the financial institution related to the recipient's deposit account as shown in Figures 13 and 14, which constitutes the transfer request information, is different from the financial institution code of the financial institution related to the transfer requester's (remitter's) deposit account set in the inter-personal remittance application conditions 34C, i.e., whether the remittance is not an internal remittance. An eighth determination process for determining whether the transfer date as shown in FIGS. 13 and 14 constituting the transfer request information is the same day as set in the personal remittance application conditions 34C. A ninth determination process for determining whether the remittance source system 50 or the person-to-person remittance system 40 is in a blocked state set in the person-to-person remittance application condition 34C, such as whether the remittance source system 50 is in a state of excess remittance and whether the person-to-person remittance system 40 is in a state where it can execute the person-to-person remittance process. If the transfer request information and other information do not satisfy the person-to-person remittance application conditions 34C in any one of the first to ninth determination processes, the conventional transfer process will be executed. Therefore, depending on the content of the transfer, a transfer fee may be charged to the remitter.

[0065] (S1108) If the transfer request information and other information satisfy the person-to-person remittance application conditions 34C in the first to ninth discrimination processes, the control unit 32 transmits the results of each discrimination process to the remitter's user terminal 20A in accordance with the remitter application management program 34B. In user terminal 20A, remittance source application 25A functions as a person-to-person remittance function accepting means. Control unit 21 converts the transfer request information into remittance request information in accordance with remittance source application 25A, and displays a person-to-person remittance confirmation screen as shown in FIG.

[0066] (S1109) When the remitter confirms the remittance request information, control unit 21 transmits the remittance request information and the remitter's account information related to remittance source application 25A to remittance source server 31 in accordance with remittance source application 25A. In the remittance source server 31, the remittance source application management program 34B causes the remittance source server 31 to function as a remittance instruction information generating means. In accordance with the remittance source application management program 34B, the control unit 32 generates person-to-person remittance instruction information as shown in FIG. 4(b), in which remittance requester information including the remittance requester name and remittance amount related to the remitter's account information constituting the remittance request information and recipient information are linked to a reception number, and transmits the information to the remittance processing server 41. After that, the processing from S506 onwards in Fig. 5 is carried out. In the processing of S509, the control unit 21 of the user terminal 20A displays a remittance completion screen as shown in Fig. 16.

[0067] In this embodiment, the condition for switching from a transfer to a person-to-person remittance is that the transfer request information and other information satisfy the person-to-person remittance application condition 34C in all of the above-mentioned first to ninth discrimination processes. However, the above condition may also be that the transfer request information satisfies the person-to-person remittance application condition in a combination of the first and second discrimination processes, or a combination of the first to fifth discrimination processes, etc.

[0068] [Remittance Control Process Flow 2 in this Embodiment] Another example of the remittance control process flow by the remittance control system 10 of this embodiment will be described with reference to Figures 17 and 18. In this process flow, the user terminal used by the remitter is a personal computer as the user terminal 20A1, and a mobile terminal such as a smartphone or tablet as the user terminal 20A2. In addition, the web page providing function and authentication function of the remittance source server 31 will be described separately for the web server and authentication server, respectively.

[0069] (S1701) When the remitter operates user terminal 20A1 to launch browser application 25C, browser application 25C causes user terminal 20A1 to function as a web page display unit. In accordance with browser application 25C, control unit 21 requests a web server for a page of a website provided by the financial institution related to remittance source application 25A.

[0070] (S1702) In the Web server, Web program 34D causes the Web server to function as a Web page providing unit. Control unit 32, in accordance with Web program 34D, transmits various Web pages to user terminal 20A1 in response to requests from user terminal 20A1.

[0071] In user terminal 20A1, control unit 21 displays a login page in accordance with browser application 25C.

[0072] (S1703) The user inputs a user ID or user name on the login page. Control unit 21 transmits the user ID or user name to the Web server in accordance with browser application 25C.

[0073] (S1704) In the Web server, the remittance source application management program 34B causes the remittance source server 31 to function as a two-dimensional code generation means. The control unit 32, in accordance with the remittance source application management program 34B, transmits request information for authenticating the remitter associated with the user ID or user name to the authentication server.

[0074] (S1705) In the authentication server, the authentication program 34E causes the authentication server to function as authentication means. In accordance with the authentication program 34E, the control unit 32 checks whether FIDO authentication is set up for the remitter's account associated with the user ID or username against information identifying whether FIDO authentication is set up, which is stored as authentication information in the storage unit 34. If FIDO authentication is set up, the check result is sent to the Web server.

[0075] (S1706) In the web server, the control unit 32 generates a two-dimensional code in accordance with the remittance source application management program 34B. For example, a QR code (registered trademark) can be used as the two-dimensional code. This two-dimensional code contains various coded information, such as a session linked to the user ID or user name, a request to start the remittance source application 25A, etc. The generated two-dimensional code is sent to the user terminal 20A1.

[0076] (S1707) In user terminal 20A1, control unit 21 displays the two-dimensional code in accordance with browser application 25C.

[0077] (S1708) The remitter operates the user terminal 20A2 and reads the two-dimensional code with the photographing unit.

[0078] (S1709) When the photographing unit reads the two-dimensional code, remittance source application 25A is activated, and control unit 21 displays a predetermined authentication execution request screen in accordance with remittance source application 25A. When the remitter selects "Execute authentication" on the screen, control unit 21, in accordance with remittance source application 25A, transmits to the authentication server request information for executing authentication of the remitter related to the user ID or user name and the remitter's authentication information stored in remittance source application 25A.

[0079] (S1710) In the authentication server, control unit 32, in accordance with authentication program 34E, compares the authentication information acquired from user terminal 20A2 with the FIDO authentication information stored as authentication information in storage unit 34. If the information matches, the authentication result is transmitted to user terminal 20A2.

[0080] (S1711) In user terminal 20A2, control unit 21, in accordance with remittance source application 25A, sends information indicating that authentication has been completed to the Web server.

[0081] (S1712) In the Web server, the control unit 32 transmits request information for confirming the authentication status to the authentication server in accordance with the remittance source application management program 34B.

[0082] (S1713) In the authentication server, control unit 32 transmits information indicating that the authentication has been completed to the Web server in accordance with authentication program 34E. The Web server transmits the information to user terminal 20A2.

[0083] (S1714) In user terminal 20A2, control unit 21, in accordance with remittance source application 25A, displays an approval screen for authentication of the remitter associated with the user ID or user name.

[0084] (S1715) When the remitter selects approval on the approval screen, control unit 21, in accordance with remitter application 25A, transmits approval information indicating that the authentication of the remitter related to the user ID or user name has been approved to the Web server.

[0085] (S1716) In the Web server, the control unit 32 generates a logged-in session in accordance with the remittance source application management program 34B and transmits it to the user terminal 20A1. As a result, the user terminal 20A1 is treated by the remittance source server 31 as an authenticated terminal.

[0086] (S1717) In user terminal 20A1, control unit 21 displays a transaction menu screen for various procedures and the like provided by the financial institution related to remittance source application 25A in accordance with browser application 25C.

[0087] (S1801) When the remitter selects transfer from the various procedures described above, the control unit 21 displays a remittance method selection screen in accordance with the browser application 25C, which includes a transfer tab and a person-to-person remittance tab provided by the financial infrastructure settlement service provider (see FIG. 12). When the remitter selects the transfer tab, the control unit 21 displays a transfer destination selection screen including a new transfer tab, a registered transfer destination tab, and a recent transfer destination tab in accordance with the browser application 25C.

[0088] (S1802) When the remitter selects the New Transfer tab, the control unit 21 displays a screen for inputting transfer request information in accordance with the browser application 25C (see FIG. 13).

[0089] (S1803) When the remitter inputs the transfer request information, control unit 21 displays a screen for confirming the input of the transfer request information in accordance with browser application 25C (see FIG. 14).

[0090] (S1804) When the remitter confirms the transfer request information, the control unit 21 transmits the transfer request information and the remitter's account information to the remitter's server 31 in accordance with the browser application 25C. In the remittance source server 31, the remittance source application management program 34B causes the remittance source server 31 to function as a determination means. In accordance with the remittance source application management program 34B, the control unit 32 transmits to the remittance processing server 41 the transfer destination information constituting the above-mentioned transfer request information and the request information for recipient setting information corresponding to the recipient name, financial institution, account number, etc. constituting the transfer destination information.

[0091] (S1805) In the remittance processing server 41, the remittance program 44B causes the remittance processing server 41 to function as a search means. In accordance with the remittance program 44B, the control unit 42 collates the transfer destination information received by the communication unit 43 with the recipient DB 44A, and transmits the corresponding recipient setting information to the remittance source server 31.

[0092] (S1806) In the remittance source server 31, the control unit 32 performs the first to ninth discrimination processes in accordance with the remittance source application management program 34B (see S1107).

[0093] (S1807) If the transfer request information and other information satisfy the person-to-person remittance application conditions 34C in the first to ninth discrimination processes, the control unit 32 transmits the results of each discrimination process to the remitter's user terminal 20A1 in accordance with the Web program 34D. In the user terminal 20A1, the control unit 21 displays a personal remittance confirmation screen in accordance with the browser application 25C (see FIG. 15).

[0094] (S1808) When the remitter confirms the remittance request information, the control unit 32 in the Web server transmits the remittance request information and the remitter's account information to the remitter's server 31 in accordance with the remitter's application management program 34B. In the remittance source server 31, the remittance source application management program 34B causes the remittance source server 31 to function as a remittance instruction information generating means. In accordance with the remittance source application management program 34B, the control unit 32 generates person-to-person remittance instruction information as shown in FIG. 4(b), in which remittance requester information including the remittance requester name and remittance amount related to the remitter's account information constituting the remittance request information and recipient information are linked to a reception number, and transmits the information to the remittance processing server 41. Thereafter, the processes from S506 onwards in Fig. 5 are carried out. In the process of S509, the control unit 21 of the user terminal 20A1 displays a remittance completion screen in accordance with the browser application 25C (see Fig. 16).

[0095] As described above, in this embodiment, when a remitter makes a transfer using the remitter's app on a user terminal or a function provided by the remitter's financial institution on the web, the remitter's system determines whether the transfer request meets the conditions for person-to-person remittance, and if so, automatically switches from a transfer to a person-to-person remittance. Therefore, the remitter does not need to know whether the recipient is using a person-to-person remittance service, and can use person-to-person remittance simply by entering the conventional transfer request information. [Explanation of symbols]

[0096] 10. Remittance Control System 60 Communication Network

Claims

1. A remittance control system for controlling a remittance process from a remitter's deposit account to a recipient's deposit account, means for receiving input of remittance request information at a remitter terminal used by the remitter and transmitting the input remittance request information to a remitter server; The remittance source server: means for determining whether the financial institution code related to the recipient's deposit account constituting the remittance request information corresponds to a corresponding financial institution code set as an applicable condition for no remittance fee stored in a storage means, and whether the remittance amount is equal to or less than a predetermined amount set as an applicable condition; means for generating remittance instruction information from the remitter's deposit account to the recipient's deposit account based on the remittance request information, if the financial institution code corresponds to the corresponding financial institution code and the remittance amount is equal to or less than the predetermined amount, and for transmitting the remittance instruction information to a remittance processing server; The remittance processing server receives the remittance instruction information. means for generating debit instruction information including debit information for debiting the remittance amount from the account balance constituting the deposit account information related to the remitter's deposit account and remittance fee information for waiving the remittance fee, and for transmitting the debit instruction information to the remitter's server; means for generating deposit instruction information including deposit information for depositing the remittance amount into the account balance constituting the deposit account information related to the recipient's deposit account, and for transmitting the deposit instruction information to a remittance destination server; A remittance control system comprising:

2. The determination means is configured to: Further determining whether the attributes of the remitter and the recipient constituting the remittance request information correspond to the attributes indicating an individual set in the application conditions; The conditions for generating the remittance instruction information are that the financial institution code corresponds to the corresponding financial institution code, the remittance amount is equal to or less than the predetermined amount, and the attributes of the remitter and the recipient correspond to the attributes indicating individuals.

2. The remittance control system according to claim 1.

3. The determination means is configured to: further determining whether the attributes of the remitter and the recipient constituting the remittance request information correspond to the attributes indicating the resident set in the application conditions; The conditions for generating the remittance instruction information are that the financial institution code corresponds to the corresponding financial institution code, the remittance amount is equal to or less than the predetermined amount, and the attributes of the remitter and the recipient correspond to the attributes indicating the resident.

2. The remittance control system according to claim 1.

4. The determination means is configured to: Further determining whether the name of the remittance requester constituting the remittance request information is the same as the account holder constituting the deposit account information related to the remittance person's deposit account set in the applicable conditions; The conditions for generating the remittance instruction information are that the financial institution code corresponds to the corresponding financial institution code, the remittance amount is equal to or less than the predetermined amount, and the remittance requester's name is the same as the account holder.

2. The remittance control system according to claim 1.

5. The determination means is configured to: Further determining whether the login information of the remitter terminal is information based on the FIDO authentication set in the applicable conditions; The conditions for generating the remittance instruction information are that the financial institution code corresponds to the corresponding financial institution code, the remittance amount is equal to or less than the predetermined amount, and the login information of the remitter terminal is information based on the FIDO authentication.

2. The remittance control system according to claim 1.

6. The determination means is configured to: Further determining whether the financial institution code related to the recipient's deposit account is different from the financial institution code related to the remitter's deposit account set in the applicable conditions; The conditions for generating the remittance instruction information are that the financial institution code corresponds to the corresponding financial institution code, the remittance amount is equal to or less than the predetermined amount, and the financial institution code associated with the recipient's deposit account is different from the financial institution code associated with the remitter's deposit account.

2. The remittance control system according to claim 1.

7. The determination means is configured to: Further, it is determined that the designated transfer date constituting the remittance request information is the same day as set in the applicable conditions; The conditions for generating the remittance instruction information are that the financial institution code corresponds to the corresponding financial institution code, the remittance amount is equal to or less than the predetermined amount, and the designated transfer date is the current day.

2. The remittance control system according to claim 1.

8. The determination means is configured to: The remittance control system further determines that the remittance control system is not in a blocked state set in the application condition; The conditions for generating the remittance instruction information are that the financial institution code corresponds to the corresponding financial institution code, the remittance amount is equal to or less than the predetermined amount, and the remittance control system is not in a blocked state.

2. The remittance control system according to claim 1.

9. A remittance control server that controls a remittance process from a remitter's deposit account to a recipient's deposit account, a storage means for storing applicable conditions for free remittance fees; a determining means for determining whether the financial institution code related to the recipient's deposit account included in the remittance request information received from the remitter's terminal corresponds to the applicable financial institution code set in the applicable conditions, and whether the remittance amount is equal to or less than a predetermined amount set in the applicable conditions; a remittance instruction information generating means for generating remittance instruction information from the remitter's deposit account to the recipient's deposit account based on the remittance request information when the financial institution code corresponds to the corresponding financial institution code and the remittance amount is equal to or less than the predetermined amount, and transmitting the remittance instruction information to a remittance processing server; a debiting means for receiving debit instruction information based on the remittance instruction information from the remittance processing server, and for performing a debiting process for debiting the remittance amount from the account balance constituting the deposit account information related to the remitter's deposit account and a process for waiving the remittance fee; A remittance control server comprising:

10. A program for controlling a remittance process from a remitter's deposit account to a recipient's deposit account, Allowing the remitter terminal used by the remitter to accept input of remittance request information and transmitting the input remittance request information to a remitter server; The remittance source server: determining whether the financial institution code related to the recipient's deposit account constituting the remittance request information corresponds to a corresponding financial institution code set as an applicable condition for no remittance fee stored in a storage means, and whether the remittance amount is equal to or less than a predetermined amount set as an applicable condition; If the financial institution code corresponds to the corresponding financial institution code and the remittance amount is equal to or less than the predetermined amount, generate remittance instruction information from the remitter's deposit account to the recipient's deposit account based on the remittance request information, and transmit the remittance instruction information to a remittance processing server; The remittance processing server receives the remittance instruction information. Generate debit instruction information including debit information for debiting the remittance amount from the account balance constituting the deposit account information related to the remitter's deposit account and remittance fee information for waiving the remittance fee, and transmit the debit instruction information to the remitter's server; Generate deposit instruction information including deposit information for depositing the remittance amount into the account balance that constitutes the deposit account information related to the recipient's deposit account, and transmit the deposit instruction information to a remittance destination server managed by the financial institution related to the recipient's deposit account. A program characterized by:

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