Information processing device, notification method, and program

Abstract

The debtor will be notified of the assignment of the claim and urged to pay the claim. [Solution] The information processing device 10 of this disclosure includes: an acquisition unit 11 that acquires the name, address, mobile phone number, and verification information of the notified person from the notifier terminal 1; a transmission request unit 14 that executes a process to request the telecommunications carrier terminal 3 to send an SMS email with access information to access the identity verification site; a notification date and time receiving unit 15 that receives and stores the SMS transmission date and time from the telecommunications carrier terminal 3; an authentication unit 16 that determines whether the input information entered when accessing the identity verification site matches the verification information; and a notification provision unit 17 that, if the authentication unit 16 has been able to verify the identity, executes a process to display a web screen containing a notice of assignment of claim and payment code information.

Description

Technical Field

[0001] The present disclosure relates to an information processing apparatus, a notification method, and a program.

Background Art

[0002] Patent Document 1 discloses a transmission certification system for certifying the content of document data sent to a recipient's mobile terminal. In this system, instead of content-certified mail, content certification is performed and a notice of assignment of claim is sent to the recipient. The management server of the transmission certification system receives the mobile phone number, etc. of the recipient's mobile terminal to which the document data is sent from the sender terminal. The management server transmits an SMS document to the recipient's mobile terminal via the communication carrier specified using the mobile phone number at the scheduled transmission date and time, etc. The communication carrier transmits the SMS transmission request date and time, which is the date and time when the transmission request is received, to the management server, and the management server stores the received SMS transmission request date and time. In content-certified mail, the reception date (dispatch date) at the post office is the definitive date of the notice of assignment of claim, but in this system, the date of the SMS transmission request date and time corresponds to the reception date and becomes the definitive date. When the recipient taps the unique URL displayed in the SMS document, the recipient's mobile terminal connects to the management server, and if conditions such as the downloadable period are satisfied, an authentication screen is displayed on the recipient's mobile terminal. When it is determined that the authentication information check on the authentication screen is correct, the recipient is transferred to the post-authentication transfer URL, which is the URL of the PDF storage server. The PDF storage server sends the PDF file of the notice of assignment of claim to the recipient's mobile terminal, and the PDF file is displayed on the recipient's mobile terminal.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] The delivery confirmation system described in Patent Document 1 can notify the debtor of the assignment of the claim, but it does not encourage payment of the claim.

[0005] Therefore, this disclosure aims to provide an information processing device, a notification method, and a program that can notify a debtor of the assignment of a claim and encourage payment of that claim. [Means for solving the problem]

[0006] To solve the above problems, a first aspect of the present invention provides an information processing device connected via a network to a notifier terminal of a notifier of a notice of assignment of claim for the purpose of payment of money, a recipient mobile terminal of the recipient of the notice of assignment of claim, and a telecommunications carrier terminal of a telecommunications carrier capable of requesting the sending of an SMS email to a telecommunications carrier, comprising: an acquisition unit that acquires the name, address, mobile phone number of the recipient mobile terminal, and confirmation information to confirm whether the recipient is the recipient from the notifier terminal; and a telecommunications carrier terminal that sends an SMS email to the mobile phone number of the recipient mobile terminal, with access information to access an identity verification site added to it. The system includes: a transmission request unit that executes a process to request a carrier terminal; a notification date and time receiving unit that receives the SMS transmission date and time from the communication carrier terminal when the communication carrier terminal requests the communication carrier to send the SMS email, and stores the received SMS transmission date and time in a notification date and time storage unit in association with the information of the notifier and the notified person; an authentication unit that executes an identity verification process to determine whether the input information entered by accessing the identity verification site matches the verification information; and a notification provision unit that, if the identity verification is successful by the authentication unit, executes a process to display a web screen containing the assignment of claim notice and payment code information.

[0007] A second aspect of the present invention is an information processing apparatus according to the first aspect, comprising: a bankruptcy database that stores the names and addresses of bankrupt persons; and a bankruptcy determination unit that determines whether or not the notified person is bankrupt based on the name and address of the notified person acquired by the acquisition unit and the bankruptcy database, wherein the transmission request unit executes a process to request the telecommunications carrier terminal to send the SMS email to the notified person if the bankruptcy determination unit determines that the notified person is not bankrupt.

[0008] A third aspect of the present invention is an information processing device according to the first or second aspect, comprising a number determination unit that checks the usage history of the mobile number of the notified person's mobile terminal acquired by the acquisition unit and determines whether the usage history meets predetermined conditions, and the transmission request unit executes a process of requesting the telecommunications carrier terminal to send the SMS email to the notified person when the number determination unit determines that the usage history meets the predetermined conditions.

[0009] A fourth aspect of the present invention is a method for notifying a claim assignment notice for the purpose of payment of money, using an information processing device connected via a network to a notifier terminal of a notifier of a claim assignment notice, a recipient mobile terminal of a recipient of the claim assignment notice, and a telecommunications carrier terminal of a telecommunications carrier capable of requesting the sending of an SMS message to a telecommunications carrier, comprising: an acquisition step of obtaining the name, address, mobile phone number of the recipient mobile terminal, and confirmation information to verify that the recipient is the recipient from the notifier terminal; and sending an SMS message to the mobile phone number of the recipient mobile terminal, with access information to access an identity verification site added, via the telecommunications carrier terminal. The system includes: a transmission request step that executes a process to request the recipient; a notification date and time reception step that receives the SMS transmission date and time that the communication carrier terminal requested the communication carrier to send the SMS email from the communication carrier terminal, and stores the received SMS transmission date and time in a notification date and time storage unit in association with the information of the notifier and the notified person; an authentication step that executes an identity verification process that determines whether the input information entered by accessing the identity verification site matches the verification information; and a notification provision step that, if identity verification is successful in the authentication step, executes a process to display a web screen containing the assignment of claim notice and payment code information.

[0010] A fifth aspect of the present invention is a program for an information processing device connected via a network to a notifier terminal of a notifier of a notice of assignment of claim for the purpose of payment of money, a recipient mobile terminal of the recipient of the notice of assignment of claim, and a telecommunications carrier terminal of a telecommunications carrier capable of requesting the sending of an SMS message to a telecommunications carrier, wherein the information processing device has a function to obtain from the notifier terminal the name, address, mobile phone number of the recipient mobile terminal, and confirmation information to confirm whether the recipient is the recipient, and adds access information to access an identity verification site to the mobile phone number of the recipient mobile terminal. The system implements the following functions: a function to request the telecommunications carrier terminal to send an SMS email; a function to receive the SMS sending date and time from the telecommunications carrier terminal, and to store the received SMS sending date and time in association with the information of the notifier and the notified person; a function to perform an identity verification process to determine whether the input information entered by accessing the identity verification site matches the verification information; and a function to display a web screen containing the assignment of claim notice and payment code information if identity verification is successful. [Effects of the Invention]

[0011] According to this disclosure, it is possible to provide an information processing device, a notification method, and a program that can notify a debtor of the assignment of a claim and encourage payment of that claim. [Brief explanation of the drawing]

[0012] [Figure 1] This is a block diagram of a system including an information processing device according to one embodiment of the present invention. [Figure 2] This is a diagram illustrating the flow of a notice of assignment of claim. [Figure 3] This is an explanatory diagram showing an example of a hardware configuration. [Figure 4] This is a diagram illustrating an example of a mobile phone number usage history database. [Figure 5]This diagram shows the SMS message displayed on the recipient's mobile device screen. [Figure 6] This diagram shows the recipient's mobile device screen displaying the identity verification site provided by the information processing device. [Figure 7] This diagram shows the screen of the recipient's mobile device displaying the notice of assignment of claim. [Figure 8] This diagram shows the payment code displayed on the screen of the recipient's mobile device. [Figure 9] This is a flowchart of the information processing device's process up to the point where it stores the date and time of the SMS message sending request. [Figure 10] This is a flowchart of the information processing device's actions from displaying the identity verification site to displaying the assignment of claim notice. [Figure 11] This is a flowchart of the processing performed by the information processing device after payment. [Modes for carrying out the invention]

[0013] One embodiment of the present invention will be described below with reference to the drawings. Throughout the description of the embodiment, the same elements are denoted by the same numbers or reference numerals.

[0014] Figure 1 is a block diagram of a system including an information processing device according to one embodiment of the present invention. Figure 2 is a diagram illustrating the flow of a notice of assignment of claim. Figure 3 is an explanatory diagram showing an example of a hardware configuration. Figure 4 is a diagram illustrating an example of a mobile phone number usage history database. Figure 5 is a diagram showing the SMS message displayed on the screen of the recipient's mobile terminal. Figure 6 is a diagram showing the identity verification site provided by the information processing device displayed on the screen of the recipient's mobile terminal. Figure 7 is a diagram showing the notice of assignment of claim displayed on the screen of the recipient's mobile terminal. Figure 8 is a diagram showing the payment code displayed on the screen of the recipient's mobile terminal.

[0015] (system) As shown in FIG. 1, the information processing apparatus 10 according to the present embodiment constitutes a part of a system 100 that notifies a debtor of the transfer of a claim (hereinafter referred to as "claim transfer") for the purpose of payment of money (hereinafter referred to as "claim transfer notice"). When a claim is transferred, in order for the assignee of the claim to assert to the debtor that he / she is the creditor, the fact of the claim transfer must be notified from the assignor of the claim to the debtor, or the consent of the debtor must be obtained (Article 467, Paragraph 1 of the Civil Code). Further, the above notice or consent cannot be opposed to a third party other than the debtor unless it is made by a document with a definite date (Article 467, Paragraph 2 of the Civil Code). Therefore, in the information processing apparatus 10 according to the present disclosure, a claim transfer notice (notification of the fact of the claim transfer) is sent to the debtor, and the SMS transmission date and time described later is managed as a definite date.

[0016] <Information Processing Apparatus> As shown in FIG. 1, the information processing apparatus 10 is connected to a notifier terminal 1, a notified person's mobile terminal 2, a communication carrier terminal 3, and a payment reception terminal 4 via a network NW. In FIG. 1, one network NW is illustrated, but the present invention is not limited thereto, and each device (including terminals) may be connected to each other via a plurality of networks NW.

[0017] The notifier terminal 1 is a terminal of a notifier (assignor or assignee of the claim) who notifies the claim assignment notice, and examples thereof include a personal computer, a smartphone, a tablet terminal, and the like. The notified person's mobile terminal 2 is a portable terminal of the notified person (debtor) who receives the claim assignment notice, and examples thereof include a smartphone, a tablet, and the like. The communication carrier terminal 3 is a terminal of a communication carrier that can request the communication carrier 5 to send an SMS message, and examples thereof include a computer. The payment acceptance terminal 4 is a terminal that can accept payment of fees and the like using a payment code (for example, a barcode), and is installed in, for example, a convenience store. In the present disclosure, the "communication carrier" means a carrier (mobile communication carrier) that owns communication line facilities by itself among telecommunications carriers. Also, the "communication carrier" means a communication carrier (SMS communication carrier) that provides an SMS transmission service using the communication line facilities of the communication carrier among telecommunications carriers.

[0018] First, the general flow of the claim assignment notice will be described based on FIGS. 1 and 2.

[0019] As shown in FIG. 2, when issuing a claim assignment notice, predetermined information is input from the notifier terminal 1 to the information processing device 10 (S1). Next, the information processing device 10 requests the communication carrier terminal 3 to send an SMS message for the claim assignment notice (S2). Next, the communication carrier terminal 3 requests the communication carrier 5 to send an SMS message (S3). Next, the communication carrier 5 sends the requested SMS message to the notified person's mobile terminal 2 (S4). Also, when the communication carrier terminal 3 requests the communication carrier 5 to send an SMS message (S3), the requested SMS transmission date and time are sent to the information processing device 10 (S5). The information processing device 10 may notify the notifier terminal 1 that the SMS message has been sent and the SMS transmission date and time (S6).

[0020] (Hardware Configuration) As shown in Figure 3, the information processing device 10 is a computer or similar device that performs calculations, and includes a communication unit H1, an input unit H2, a display unit H3, a storage unit H4, and a processor H5, which are connected via a bus H6 for access. This hardware configuration is just one example, and it can be implemented with other hardware. The notifier terminal 1, the notified recipient's mobile terminal 2, the telecommunications carrier terminal 3, and the payment acceptance terminal 4 also have substantially the same hardware configuration as the information processing device 10, so their descriptions are omitted. Furthermore, the hardware configurations of the information processing device 10, the notifier terminal 1, the notified recipient's mobile terminal 2, and the telecommunications carrier terminal 3 may differ from each other.

[0021] The communication unit H1 is a communication interface that establishes a communication route with other devices and performs data transmission and reception, such as a network interface or a wireless interface. The network may be a closed network or an open network.

[0022] The input unit H2 is a device that accepts various types of information, such as a mouse or keyboard.

[0023] The display unit H3 is a display unit such as a monitor (display) that displays various information. If the monitor is a touch panel monitor that supports input, the monitor may have the function of an input unit H2 in addition to the function of a display unit H3.

[0024] The memory unit H4 is a storage device that stores data and programs for executing various functions. Examples of memory unit H4 include ROM (Read Only Memory), RAM (Random Access Memory), and hard disks. In this embodiment, the memory unit H4 of the information processing device 10 may function as the notification date and time storage unit 18, the bankruptcy database 19, and the usage history database 20, which will be described later.

[0025] The processor H5 controls each process using programs and data stored in the memory unit H4. Examples of processor H5 include CPUs (Central Processing Units) and MPUs (Micro Processing Units). This processor H5 loads programs stored in ROM or the like into RAM and executes various processes for each operation. The processor H5 of the information processing device 10 functions as the acquisition unit 11, bankruptcy determination unit 12, number determination unit 13, transmission request unit 14, notification date and time receiving unit 15, authentication unit 16, and notification provision unit 17, which will be described later, by executing programs stored in the memory unit H4. Note that these functions are not limited to being provided in a single information processing device 10; some of the functions of the processor H5 may be extracted and provided in other information processing devices connected via a network, and each process may be executed using these multiple information processing devices.

[0026] As shown in Figure 1, the information processing device 10 of this embodiment includes an acquisition unit 11, a bankruptcy determination unit 12, a number determination unit 13, a transmission request unit 14, a notification date and time receiving unit 15, an authentication unit 16, a notification provision unit 17, a notification date and time storage unit 18, a bankrupt person database 19, and a usage history database 20.

[0027] (Acquisition Department) The acquisition unit 11 acquires the notified party data from the notifying terminal 1. For example, when the notifying terminal 1 accesses the information processing device 10, the acquisition unit 11 displays a data input screen on the display unit of the notifying terminal 1, and acquires various types of data from the notifying terminal 1 through data input from the notifying terminal 1 to the data input screen. The acquisition unit 11 stores the various types of data acquired from the notifying terminal 1 in the storage unit H4 of the information processing device 10.

[0028] The recipient data includes the recipient's name, address, mobile phone number of the recipient's mobile device 2 (the mobile phone number set on the recipient's mobile device 2), and verification information to confirm that the recipient is indeed the recipient. The verification information can be any information that can be used as an authentication key to confirm that the user is indeed the person in question, such as the customer number notified by the creditor to the debtor, the debtor's date of birth, age, and address. Note that the verification information is not limited to one piece of information, but may include multiple pieces of information. By performing authentication using multiple pieces of information, the accuracy of identity verification can be significantly improved.

[0029] Furthermore, the acquisition unit 11 may acquire notifier data, debt data, and message data from the notifier terminal 1, in addition to the notified person data.

[0030] The notifier data includes the names or titles, addresses, and contact information (telephone number, etc.) of the assignor and assignee of the claim. Note that all or part of the notifier data may be included in the registration information registered when the notifier registers to use the information processing device 10. In this case, all or part of the notifier data included in the registration information may be pre-stored as notifier data in the storage unit H4 of the information processing device 10.

[0031] Debt data is data relating to the payment of money that is the subject of the debt, including the details of the claim, the amount claimed, the payment deadline, etc. Note that debt data may also be included in the message data described later.

[0032] The message data may include at least one of the following: SMS message data MD1 (see Figure 5) displayed in an SMS email, and notification message data MD2 (see Figure 7) displayed in a notice of assignment of claim. SMS message data MD1 is text data that notifies the recipient of an overview of the fact of assignment of claim and directs them to an identity verification site provided by the information processing device 10. Access information (such as a URL (Uniform Resource Locator)) for accessing the identity verification site is attached to SMS message data MD1. Notification message data MD2 is data that notifies the recipient of details of the fact of assignment of claim and may be text data or HTML data. Note that SMS message data MD1 and notification message data MD2 may be generated by the information processing device 10 by incorporating the acquired recipient data and sender data into predetermined positions in a pre-stored template.

[0033] (Bankruptcy Determination Department) The bankruptcy determination unit 12 determines whether the notified person is bankrupt based on the name and address of the notified person obtained by the acquisition unit 11 and the bankruptcy database 19. The bankruptcy database 19 stores the names and addresses of multiple bankrupt persons in association. The names and addresses of bankrupt persons can be collected from the official gazette. Specifically, the bankruptcy determination unit 12 determines whether the name and address of the notified person obtained by the acquisition unit 11 matches the names and addresses of bankrupt persons stored in the bankruptcy database 19. If both the name and address match, it determines that "the notified person is bankrupt," and if at least one of the name and address does not match, it determines that "the notified person is not bankrupt."

[0034] (Number determination unit) The number determination unit 13 checks the usage history of the mobile phone number of the recipient's mobile terminal 2 acquired by the acquisition unit 11 and determines whether the usage history meets predetermined conditions. For example, the number determination unit 13 determines whether the usage history meets predetermined conditions based on the mobile phone number of the recipient's mobile terminal 2 acquired by the acquisition unit 11 and the usage history database 20. Predetermined conditions include, for example, that there are no "missing numbers" in the most recent predetermined period in the usage history database 20. The predetermined period used for the predetermined conditions may be set as, for example, 3 months or 6 months, but it may also be the period from the present to the reference date, for example, the date on which the debt was incurred (year, month, day). In this case, the date on which the debt was incurred (year, month, day) should be added to the recipient data provided to the acquisition unit 11.

[0035] As shown in Figure 4, the usage history database 20 is compiled using a telephone number lookup device, such as those disclosed in Japanese Patent Publication No. 2012-129869 and Japanese Patent Publication No. 2014-150581, to make calls to all numbers available as mobile numbers, for example, at least once a month, and is stored based on the response messages to those calls.

[0036] Figure 4(A) shows the usage history of a mobile phone number recorded in the usage history database 20 that is in the format "090-XXXX-YYYY". Figure 4(B) shows the usage history of a mobile phone number recorded in the usage history database 20 that is in the format "090-ZZZZ-WWWW".

[0037] As shown in Figure 4(A), the mobile phone number "090-XXXX-YYYY" has consistently shown a status of "existing" from November 15, 2016 to January 15, 2018. This usage history indicates that the same user has been using this mobile phone number for over a year.

[0038] The "(First Carrier)" after the mobile phone number "090-XXXX-YYYY" indicates, based on recent investigations, that the carrier 5 associated with this mobile phone number was the first carrier among multiple carriers (first carrier, second carrier, third carrier, etc.).

[0039] On the other hand, as shown in Figure 4(B), the mobile phone number "090-ZZZZ-WWWW" was found to "exist" in the most recent two-month surveys (January 15, 2018 and December 15, 2017), but was found to be "missing" in the eight-month surveys prior to that (between November 15, 2017 and April 15, 2017).

[0040] Furthermore, the mobile phone number "090-ZZZZ-WWWW" shown in Figure 4(B) was "existing" before March 15, 2017, so it is likely that no users were using it during this eight-month period (between November 15, 2017 and April 15, 2017).

[0041] Similarly, in Figure 4(B), the "(Second Carrier)" written after the mobile phone number "090-ZZZZ-WWWW" indicates that, in the most recent investigation, the carrier 5 associated with this mobile phone number was the second carrier among multiple carriers 5.

[0042] Here, in the case of mobile phone numbers assigned to mobile devices such as cell phones, the telecommunications carrier 5 reassigns the canceled mobile phone number to another user after more than six months have passed since the cancellation.

[0043] From this, it can be seen that the mobile phone number "090-ZZZZ-WWWW" shown in Figure 4(B) was assigned to another user after being "vacant" for more than six months following the cancellation of a contract by a user before March 15, 2017, and that the mobile phone number "090-ZZZZ-WWWW" has only been used by the current user for two months.

[0044] Recently, some telecommunications carriers (5) have been reassigning canceled mobile phone numbers to other users after a user cancels their service, leaving the number vacant for three months or more, in order to address a shortage of available phone numbers. In such cases, it is sufficient to determine that the user of the mobile phone number has changed after the three-month period of vacancy. In other words, whether or not a user has changed can be determined based on the vacancy period set by each telecommunications carrier (5).

[0045] Furthermore, even if a mobile phone number is currently "in existence," if there was a "vacancy" in the most recent specified period and it has only recently come into use, there is a possibility that a user other than the debtor is using that mobile phone number. In such cases, it is advisable not to carelessly send SMS messages.

[0046] (Transmission Request Department) The transmission request unit 14 executes a process to request the telecommunications carrier terminal 3 to send an SMS message (short message) to the mobile phone number of the recipient's mobile terminal 2, with access information X1 (for example, the URL "https: / / xxx.xx / aaaaaa / " (see Figure 5)) attached to it, which is used to access the identity verification site. The SMS message is generated based on the SMS message data MD1. As shown in Figure 5, the SMS message contains a message M1 informing the recipient of a notice of debt assignment, and access information X1 to the identity verification site.

[0047] Furthermore, as shown in Figure 5, the SMS message of this embodiment includes a message M2 stating that the system 100 is a system provided by a certified new business activity implementer approved by the Ministry of Justice and the Ministry of Economy, Trade and Industry in accordance with the certified new business activity plan, and a URL X2 to the Ministry of Economy, Trade and Industry website. In addition to these, the SMS message of this embodiment also includes a message M3 stating that the sender's phone number is that of the certified new business activity implementer, and a URL X3 to a site where this can be verified. By including such messages M2, M3 and URLs X2, X3, the recipient can confirm the security of the SMS message and can confidently tap the access information X1 to access the identity verification site.

[0048] Upon receiving a request from the transmission request unit 14, the telecommunications carrier terminal 3 requests the telecommunications carrier 5 to send an SMS message (Figure 2 (S3)), and the telecommunications carrier 5 sends the requested SMS message to the recipient's mobile terminal 2 (Figure 2 (S4)).

[0049] (Notification date and time receiving unit) The notification date and time receiving unit 15 receives the date and time (SMS transmission date and time) from the telecommunications carrier terminal 3 when the telecommunications carrier terminal 3 requests the telecommunications carrier 5 to send an SMS message, and stores the received SMS transmission date and time in the notification date and time storage unit 18 in association with the information of the notifier and the notified party. The information processing device 10 manages the SMS transmission date and time as a fixed date as defined in Article 467, Paragraph 2 of the Civil Code. The information of the notifier and the notified party includes the names, addresses, and contact information (which may include telephone numbers, email addresses, etc.) of the notifier and the notified party, as well as information identifying the assigned claim that the notifier is notifying the notified party of.

[0050] (Authentication Department) The authentication unit 16 performs an identity verification process to determine whether the input information entered when accessing the identity verification site (see Figure 6) matches the verification information obtained by the acquisition unit 11. If the input information entered on the identity verification site matches the verification information, the authentication unit 16 determines that identity verification has been successful. On the other hand, if the input information entered on the identity verification site does not match the verification information, the authentication unit 16 determines that identity verification has not been successful.

[0051] As shown in Figure 6, the identity verification screen of the identity verification site is provided with an input field a for entering verification information. In this embodiment, the debtor's date of birth is used as the verification information. When the recipient enters the information for identity verification into input field a on the identity verification screen displayed on the recipient's mobile terminal 2 and taps the send button B1, the authentication unit 16 executes the identity verification process.

[0052] As shown in Figure 6, the identity verification site of this embodiment displays a URLX4 (a hyperlink set to the text "Our Homepage" in the figure) that leads to the assignee's website, as well as the assignee's telephone number. By including such a URLX4 and telephone number, the notified party can learn the assignee's information and contact the assignee to confirm the fact of the assignment of the claim.

[0053] The identity verification site is preferably a web application site. In this embodiment, instructions for operations that must be performed on the recipient's mobile terminal 2 are provided from the information processing device 10 using a web application. Therefore, there is no need to install a dedicated application on the recipient's mobile terminal 2, thus eliminating the troublesome task of the user installing a dedicated application on the recipient's mobile terminal 2. In addition, with a dedicated application, it is necessary to create a dedicated application that matches the operating environment of the recipient's mobile terminal 2, but this method also eliminates the trouble of creating an application for each operating environment.

[0054] (Notification provision department) If the authentication unit 16 has verified the identity of the user, the notification provision unit 17 executes a process to display a web screen WP (see Figure 7) containing the assignment of claim notice and payment code information.

[0055] As shown in Figure 7, the assignment notice displays a message M4 generated based on the claim data and the notice message data MD2. The message M4 includes information about the debtor, the assignor, the assignee, the fact of the assignment, the details of the assigned claim, instructions for payment using a payment code, and instructions for payment by bank transfer.

[0056] The payment code information may be the payment code C itself, such as a barcode or two-dimensional barcode, that enables the creditor to make the payment of the money that is the subject of the claim, or it may be a link (including a URL) to display the payment code C. In this embodiment, as shown in Figure 7, in addition to the message M4, a link button B2 for displaying the payment code C is displayed on the web screen WP. When the link button B2 is tapped, a barcode as the payment code C is displayed, as shown in Figure 8. The payment code information may be generated by the information processing device 10 based on claim data, etc., or it may be generated by requesting an external device capable of generating payment code information and then used by the information processing device 10.

[0057] Next, we will describe each process performed by the information processing device 10.

[0058] Figure 9 is a flowchart of the information processing device's process up to the point where it stores the date and time of the SMS message sending request.

[0059] As shown in Figure 9, the acquisition unit 11 of the information processing device 10 acquires the notified party data from the notifier terminal 1 (step S11). In addition to the notified party data, the information processing device 10 may also acquire notifier data, debt data, and message data from the notifier terminal 1.

[0060] Next, the bankruptcy determination unit 12 determines whether the notified person is bankrupt or not based on the name and address of the notified person obtained by the acquisition unit 11 and the bankrupt person database 19 (step S12). If the bankruptcy determination unit 12 determines that the notified person is bankrupt (step S12: YES), the information processing device 10 terminates this process without sending an SMS email. On the other hand, if the bankruptcy determination unit 12 determines that the notified person is not bankrupt (step S12: NO), the process proceeds to step S13. In this embodiment, the bankruptcy determination unit 12 is provided to determine whether the notified person is bankrupt or not, but this is not the only way to do so, and it is not necessary to perform such a determination.

[0061] Next, the number determination unit 13 checks the usage history of the mobile phone number of the recipient's mobile terminal 2 acquired by the acquisition unit 11 and determines whether the usage history meets predetermined conditions (step S13). If the number determination unit 13 determines that the usage history does not meet the predetermined conditions (step S13: NO), the information processing device 10 terminates this process without sending an SMS email. On the other hand, if the number determination unit 13 determines that the usage history meets the predetermined conditions (step S13: YES), the process proceeds to step S14. In this embodiment, the number determination unit 13 is provided to determine whether the usage history of the mobile phone number of the recipient's mobile terminal 2 meets predetermined conditions, but this is not limited to this, and it is not necessary to perform this determination. Also, in this embodiment, the determination by the number determination unit 13 is performed after the determination by the bankruptcy determination unit 12, but the execution order of these processes is not particularly limited, and it may be in the reverse order.

[0062] Next, the transmission request unit 14 executes a process to request the telecommunications carrier terminal 3 to send an SMS message to the mobile phone number of the recipient's mobile terminal 2, with access information to access the identity verification site attached (step S14). That is, if the information processing device 10 is equipped with a bankruptcy determination unit 12, the transmission request unit 14 executes a process to request the telecommunications carrier terminal 3 to send the SMS message if the bankruptcy determination unit 12 determines that the person is not bankrupt. Also, if the information processing device 10 is equipped with a number determination unit 13, the transmission request unit 14 executes a process to request the telecommunications carrier terminal 3 to send the SMS message if the number determination unit 13 determines that the usage history meets predetermined conditions.

[0063] Next, the notification date and time receiving unit 15 receives the SMS transmission date and time from the telecommunications carrier terminal 3 and stores the received SMS transmission date and time in the notification date and time storage unit 18 in association with the information of the notifier and the notified person (step S15).

[0064] Figure 10 is a flowchart of the information processing device's operations from displaying the identity verification site to displaying the assignment of claim notice.

[0065] As shown in Figure 10, when the recipient taps the access information X1 in the SMS message displayed on the recipient's mobile terminal 2, the information processing device 10 displays the identity verification screen of the identity verification site on the recipient's mobile terminal 2 (step S21).

[0066] Next, the authentication unit 16 performs an identity verification process to determine whether the input information entered from the identity verification screen of the identity verification site matches the verification information obtained by the acquisition unit 11 (step S22). If the authentication unit 16 determines that identity verification has been successful (step S22: YES), the notification provision unit 17 performs a process to display a Web screen WP containing the assignment of claim notice and payment code information on the recipient's mobile terminal 2 (step S23). On the other hand, if the authentication unit 16 determines that identity verification has not been successful (step S22: NO), the information processing device 10 performs a process to display a cancellation screen (not shown) on the recipient's mobile terminal 2, canceling the acceptance of the processing without displaying the details of the assignment of claim notice on the recipient's mobile terminal 2 (step S24).

[0067] Figure 11 is a flowchart of the processing performed by the information processing device after payment.

[0068] The recipient can display payment code C on their mobile device 2 from the web screen WP, which contains the assignment of claim notice and payment code information. The recipient can then use the payment code C displayed on their mobile device 2 to make a payment at a payment acceptance terminal 4 installed in a convenience store or similar location.

[0069] The information processing device 10 may perform the following processing when the notified party has completed the payment of the money that is the subject of the claim using payment code C.

[0070] When the recipient makes a payment at a payment acceptance terminal 4 installed in a convenience store or the like using the payment code C displayed on the recipient's mobile terminal 2, the payment information (hereinafter referred to as "immediate data") is transmitted in real time from the payment acceptance terminal 4 to the information processing device 10 via the network NW.

[0071] As shown in Figure 11, the information processing device 10 obtains payment notification data from the payment acceptance terminal 4 (step S31).

[0072] Next, the information processing device 10 provides the acquired payment notification data to the notifying terminal 1 (step S32). The method of providing the notification data to the notifying terminal 1 is not particularly limited. For example, when the information processing device 10 receives the notification data from the payment acceptance terminal 4, it may immediately provide the notification data to the notifying terminal 1 by email or the like. Alternatively, the information processing device 10 may store the notification data, and the notifying terminal 1 may access the information processing device 10 to check or download the notification data stored in the information processing device 10.

[0073] Next, upon receiving the preliminary data from the payment receiving terminal 4, the information processing device 10 immediately sends an SMS message to the notified recipient's mobile terminal 2 confirming the completion of payment (step S33). In this embodiment, the sending of the payment completion SMS message to the notified recipient's mobile terminal 2 is performed after the provision of the preliminary data to the notifying terminal 1, but the execution order of these processes is not particularly limited and may be reversed.

[0074] When the recipient makes a payment using payment code C at payment terminal 4, the headquarters of the convenience store where the payment terminal 4 is installed performs a review of each payment. Once the review of the payment at headquarters is completed and the payment is confirmed, the payment terminal 4 transmits confirmed payment information (hereinafter referred to as "confirmed data") to the information processing device 10 (or the external device if the payment code information is generated by an external device) approximately 4 to 10 business days after the payment was made. The information processing device 10 acquires the confirmed data (step S34).

[0075] Next, the information processing device 10 provides the confirmation data received from the payment acceptance terminal 4 to the notifying terminal 1 (step S35). The method of providing the confirmation data to the notifying terminal 1 is not particularly limited. For example, upon receiving the confirmation data from the payment acceptance terminal 4, the information processing device 10 may immediately provide the confirmation data to the notifying terminal 1 by email or the like. Alternatively, the information processing device 10 may store the confirmation data, and the notifying terminal 1 may access the information processing device 10 to check or download the confirmation data stored in the information processing device 10.

[0076] (Notification method) An embodiment of the present invention provides a notification method for a claim assignment notification using an information processing device 10 connected via a network NW to a notifier terminal 1 of the notifier of a claim assignment notification for the purpose of payment of money, a recipient mobile terminal 2 of the recipient of the claim assignment notification, and a telecommunications carrier terminal 3 of a telecommunications carrier capable of requesting the sending of an SMS message to a telecommunications carrier 5.

[0077] The notification method according to this embodiment comprises an acquisition step, a transmission request step, an authentication step, and a notification provision step. In the acquisition step, the notifier terminal 1 acquires the name, address, mobile phone number of the notifier's mobile terminal 2, and confirmation information to verify that the person is the notifier. In the transmission request step, the notifier terminal 3 executes a process to request the telecommunications carrier terminal 3 to send an SMS message to the mobile phone number of the notifier's mobile terminal 2, with access information to access the identity verification site attached. In the notification date and time reception step, the notifier terminal 3 receives the SMS transmission date and time, which is the date and time when the telecommunications carrier terminal 3 requested the telecommunications carrier 5 to send the SMS message, and stores the received SMS transmission date and time in the notification date and time storage unit 18 in association with the notifier and notifier information. In the authentication step, the notifier terminal 1 executes an identity verification process to determine whether the input information entered when accessing the identity verification site matches the verification information. In the notification provision step, if identity verification was successful in the authentication step, the notifier terminal 3 executes a process to display a web screen WP containing a debt assignment notice and payment code information.

[0078] (program) The program according to one embodiment of the present invention is a program for an information processing device 10 that is connected via a network NW to a notifier terminal 1 of the notifier of a notice of assignment of claim for the purpose of payment of money, a recipient mobile terminal 2 of the recipient of the notice of assignment of claim, and a telecommunications carrier terminal 3 of a telecommunications carrier that can request the sending of an SMS message to a telecommunications carrier 5.

[0079] The program according to this embodiment enables the information processing device 10 to implement at least the following five functions.

[0080] The five functions include obtaining the name, address, mobile phone number of the recipient's mobile device 2, and verification information to confirm that the person is the recipient from the notifying device 1. The five functions also include executing a process to request the telecommunications carrier device 3 to send an SMS message to the mobile phone number of the recipient's mobile device 2, with access information to access the identity verification site attached. The five functions also include receiving the SMS sending date and time from the telecommunications carrier device 3, which requested the telecommunications carrier 5 to send the SMS message, and storing the received SMS sending date and time in association with the notifying and recipient information. The five functions also include executing an identity verification process to determine whether the input information entered when accessing the identity verification site matches the verification information. If identity verification is successful, the five functions also include executing a process to display a web screen WP containing a debt assignment notice and payment code information.

[0081] In the information processing device 10, notification method, and program configured as described above, the notification date and time receiving unit 15 receives the date and time (SMS transmission date and time) from the communication carrier terminal 3 when the communication carrier terminal 3 requested the communication carrier 5 to send an SMS message, and stores the received SMS transmission date and time in the notification date and time storage unit 18 in association with the information of the notifier and the notified party. Here, it is difficult to obtain information such as the date and time when the communication carrier 5 sent the SMS message to the notified party's mobile terminal 2 from the communication carrier 5, but it is easy to obtain the date and time (SMS transmission date and time) when the communication carrier terminal 3 requested the communication carrier 5 to send an SMS message. For this reason, the information processing device 10 can easily obtain the SMS transmission date and time from the communication carrier terminal 3 and manage the SMS transmission date and time as a fixed date as defined in Article 467, Paragraph 2 of the Civil Code.

[0082] Furthermore, the notification provision unit 17 executes a process to display a web screen WP containing the assignment of claim notice and payment code information. In this way, the web screen WP includes payment code information in addition to the assignment of claim notice, so it is possible to prompt the recipient of the notice (debtor) to make a payment using the payment code C.

[0083] Therefore, according to this embodiment, it is possible to provide an information processing device, a notification method, and a program that can notify a debtor of the assignment of a claim and encourage payment of that claim.

[0084] Incidentally, if a debtor is bankrupt and has been discharged from debt, creditors cannot exercise their bankruptcy claims against a person who is bankrupt and has been discharged. As in the information processing device 10 of this embodiment, a bankruptcy determination unit 12 is provided to determine whether the recipient of the notification is bankrupt or not, thereby allowing for prior screening of whether the debtor is bankrupt or not. This prevents the sending of SMS messages to bankrupt individuals, and as a result, prevents claims against bankrupt individuals (claims for payment of money using payment code C).

[0085] Furthermore, as in the information processing device 10 of this embodiment, by providing a number determination unit 13 and determining whether or not the mobile phone number of the recipient's mobile terminal 2 meets predetermined conditions, it is possible to prevent the sending of SMS messages to mobile phone numbers that are highly likely to be used by a user other than the debtor.

[0086] Although the present invention has been described above based on the above embodiments, the present invention is not limited to the contents of the above embodiments, and can naturally be modified as appropriate without departing from the present invention. In other words, all other embodiments, examples, and operational techniques made by those skilled in the art based on these embodiments are of course included in the scope of the present invention. [Explanation of symbols]

[0087] 1: Notifier terminal 2: Recipient's mobile device 3: Carrier terminals 5: Telecommunications carriers 10: Information Processing Devices 11: Acquisition part 12: Bankruptcy Determination Department 13: Number determination unit 14: Sending Request Department 15: Notification date and time receiving unit 16: Authentication Department 17: Notification provision department 18: Notification date and time storage section 19: Bankruptcy Database

Claims

1. An information processing device connected via a network to the notifier's terminal of a notice of assignment of claim for the purpose of payment of money, the recipient's mobile terminal of the recipient of the notice of assignment of claim, and the telecommunications carrier's terminal capable of requesting the sending of an SMS message to a telecommunications carrier, An acquisition unit that obtains the name, address, mobile phone number of the notified person's mobile device, and confirmation information to verify that the person is the notified person from the notifying terminal, A transmission request unit executes a process to request the telecommunications carrier terminal to send an SMS message to the mobile phone number of the recipient's mobile terminal, which contains access information to access a personal verification site. A notification date and time receiving unit receives the SMS transmission date and time at which the aforementioned communication carrier terminal requested the communication carrier to send the SMS message, and stores the received SMS transmission date and time in a notification date and time storage unit in association with the information of the notifier and the notified person. An authentication unit that performs an identity verification process to determine whether the input information entered upon accessing the aforementioned identity verification site matches the aforementioned verification information, The system includes a notification provision unit that, upon successful verification of the user's identity by the authentication unit, executes a process to display a web screen containing the assignment of claim notice and payment code information. An information processing device characterized by the following:

2. A bankruptcy database that stores the names and addresses of bankrupt individuals, The system includes a bankruptcy determination unit that determines whether or not the notified person is bankrupt based on the name and address of the notified person acquired by the acquisition unit and the bankruptcy database, If the bankruptcy determination unit determines that the person is not bankrupt, the transmission request unit executes a process to request the telecommunications carrier terminal to send the SMS email to the notified person. The information processing apparatus according to feature 1.

3. The acquisition unit includes a number determination unit that checks the usage history of the mobile number of the recipient's mobile terminal acquired by the acquisition unit and determines whether the usage history meets predetermined conditions. The transmission request unit executes a process to request the telecommunications carrier terminal to send the SMS email to the recipient when the number determination unit determines that the usage history meets the predetermined conditions. The information processing apparatus according to claim 1 or 2.

4. A method for notifying a claim assignment notice for the purpose of payment of money, using an information processing device connected via a network to the notifier's terminal of the notifier of the claim assignment notice, the recipient's mobile terminal of the recipient of the claim assignment notice, and the telecommunications carrier's terminal capable of requesting the transmission of an SMS message to a telecommunications carrier, An acquisition step of obtaining the name, address, mobile phone number of the notified person's mobile device, and confirmation information to verify that the person is the notified person from the notifying device, A sending request step is performed to request the telecommunications carrier terminal to send an SMS message to the mobile phone number of the recipient's mobile terminal, which contains access information to access the identity verification site. A notification date and time reception step, in which the aforementioned communication carrier terminal receives the SMS transmission date and time at which it requested the communication carrier to send the SMS message, and stores the received SMS transmission date and time in the notification date and time storage unit in association with the information of the notifier and the notified person, An authentication step which involves accessing the aforementioned identity verification site and performing an identity verification process to determine whether the entered information matches the verification information, If the identity of the user is verified in the aforementioned authentication step, the system includes a notification provision step which involves executing a process to display a web screen containing the aforementioned assignment of claim notice and payment code information. A notification method characterized by the following.

5. A program for an information processing device connected via a network to the notifier's terminal of a notice of assignment of claim for the purpose of payment of money, the recipient's mobile terminal of the recipient of the notice of assignment of claim, and the telecommunications carrier's terminal capable of requesting the sending of an SMS message to a telecommunications carrier, The aforementioned information processing device, A function to obtain from the notifier's terminal the name and address of the person to be notified, the mobile phone number of the person to be notified, and confirmation information to verify that the person is the person to be notified. A function that executes a process to request the telecommunications carrier terminal to send an SMS message to the mobile phone number of the recipient's mobile terminal, which contains access information to access the identity verification site. The function includes receiving the SMS transmission date and time from the aforementioned telecommunications carrier terminal when the telecommunications carrier terminal requests the transmission of the SMS message, and storing the received SMS transmission date and time in association with the information of the sender and the recipient. A function that performs an identity verification process to determine whether the input information entered upon accessing the aforementioned identity verification site matches the aforementioned verification information, The system implements a function that, upon successful identity verification, executes a process to display a web screen containing the aforementioned assignment of claim notice and payment code information. A program characterized by the following features.

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