Program, information processing device, and information processing method

Abstract

To provide a mechanism for controlling money transfers within a money transfer system. [Solution] The computer includes: a remittance information acquisition unit that acquires remittance information indicating a transfer of funds from a first account linked to a remitter to a second account linked to a recipient; a first confirmation unit that, based on the remittance information, refers to a database in which information indicating the first account, information about the remitter, and information about the remitter's authority regarding the remittance are registered in association, and confirms the information about the remitter's authority regarding the remittance; and an execution unit that executes a process to transfer funds from the first account to the second account based on the information about the remitter's authority regarding the remittance.

Description

Technical Field

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

Background Art

[0002] In recent years, technologies enabling settlement by the A2A (Account to Account) method have been adopted. By A2A, for example, settlement can be made by directly transferring funds between a buyer's bank account and a seller's bank account without going through a credit card network or a settlement agent.

[0003] Also, it is known to perform personal remittances in the P2P (Peer to Peer) format using the A2A mechanism. In Patent Document 1, a technique is described that proposes periodically performing the transfer process for repeatedly conducted electronic money transfers in a personal remittance system. Thus, techniques have been proposed to make the fund transfer between accounts using A2A more convenient.

Prior Art Documents

Patent Documents

[0004]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0005] Incidentally, it has long been known that certain controls are in place for each transaction from a security standpoint, such as purpose-specific accounts in banks, or limits on transaction amounts and eligible industries for credit card payments. However, in the remittance system, for example, a transfer is possible once authentication by the sender using an ID and password is successful. Thus, in the current remittance system, controlling remittances largely depends on the sender's conscious restraint. Therefore, a new mechanism for controlling remittances is needed in the remittance system.

[0006] Therefore, the present invention has been made in view of the above, and aims to provide a program for controlling remittances in a remittance system, an information processing device, and an information processing method. [Means for solving the problem]

[0007] A program according to one aspect of the present invention provides a computer with: a remittance information acquisition unit that acquires remittance information indicating a remittance from a first account linked to a remitter to a second account linked to a recipient; a first confirmation unit that, based on the remittance information, refers to a database in which information indicating the first account, information about the remitter, and information about the remitter's authority regarding the remittance are registered in association, and confirms the remitter's authority information regarding the remittance; and an execution unit that executes a process to remittance from the first account to the second account based on the remitter's authority information regarding the remittance.

[0008] An information processing device according to one aspect of the present invention includes: a remittance information acquisition unit that acquires remittance information indicating a remittance from a first account linked to a remitter to a second account linked to a recipient; a first confirmation unit that, based on the remittance information, refers to a database in which information indicating the first account, information about the remitter, and information about the remitter's authority to remittance are registered in association, and confirms the remitter's authority information regarding the remittance; and an execution unit that executes a process to remittance from the first account to the second account based on the remitter's authority information regarding the remittance.

[0009] An information processing method according to one aspect of the present invention includes: a computer obtaining remittance information indicating a remittance from a first account linked to a remitter to a second account linked to a recipient; referring to a database in which information indicating the first account, information about the remitter, and information about the remitter's authority regarding the remittance are registered in association with each other based on the remittance information, and confirming the remitter's authority information regarding the remittance; and executing a process to remit from the first account to the second account based on the remitter's authority information regarding the remittance. [Effects of the Invention]

[0010] According to the present invention configured as described above, it becomes possible to control remittances in a remittance system. [Brief explanation of the drawing]

[0011] [Figure 1] This diagram shows an overview of the remittance system according to this embodiment. [Figure 2] This diagram shows the schematic configuration of the remittance system according to this embodiment. [Figure 3] This figure shows an example of the hardware configuration of each device in the remittance system according to this embodiment. [Figure 4] This figure shows an example of the functional configuration of the information processing device according to this embodiment. [Figure 5]This figure shows an example of the first database according to this embodiment. [Figure 6] This figure shows an example of a second database according to this embodiment. [Figure 7] This figure shows an example of a third database according to this embodiment. [Figure 8] This figure shows an example of the functional configuration of the user device according to this embodiment. [Figure 9] This figure shows an example of the pre-registration process according to this embodiment. [Figure 10] This figure shows an example of a remittance process according to this embodiment. [Modes for carrying out the invention]

[0012] Embodiments of the present invention will be described below with reference to the drawings. However, the embodiments described below are merely illustrative, and there is no intention to exclude various modifications or applications of techniques not explicitly stated below. That is, the present invention can be implemented by various modifications (such as combining each embodiment) without departing from its spirit. In addition, in the following drawings, identical or similar parts are denoted by the same or similar reference numerals.

[0013] <System Overview> Figure 1 is a diagram showing an overview of a remittance system 1 including an information processing device 10 according to one embodiment of the present invention. Referring to Figure 1, the case in which user A sends money to user B using a predetermined account will be explained as an example. The predetermined account may include, for example, an account at a financial institution (e.g., a bank account, securities account, or foreign exchange account), an account for the payment function of a money transfer service provider, a central bank digital currency (CBDC) account, a transportation IC (Integrated Circuit) account, a prepaid card account, an account for online commerce, an account for in-store use, an online wallet provided to a user of a wallet service, and so on.

[0014] Also, the predetermined account may include, for example, a corporate account used for payments in a company. That is, a plurality of users may be associated with the predetermined account. The plurality of users may each be in an individual unit. Also, they may be associated with the predetermined account in a group unit such as a department or a team to which the plurality of users belong. A plurality of users in an individual unit and a plurality of users in a group unit may be associated with one account. Note that there may be one user associated with an account.

[0015] Referring to FIG. 1, the outline of the remittance system 1 will be described. (1) For example, user A, who is a remitter, operates the user device 20 to send 2,000 yen from account A, which is the remittance source, to account B, which is the remittance destination, and transmits information indicating that 2,000 yen is to be remitted to user B, who is the recipient (hereinafter referred to as "remittance information") to the information processing device 10. Here, the "2,000 yen" is not limited in its form as long as it can be handled by the above-described account (the amount traded in a bank account, electronic money, virtual currency, etc.). Also, it may be Japanese currency or foreign currency.

[0016] (2) The information processing device 10 queries the recipient's account B. Account B can be identified by referring to the recipient account information included in the remittance information. Alternatively, the attributes of the recipient, user B, may be queries. The query for the recipient's attributes may be implemented, for example, by referring to the attribute information of user B that is registered as information linked to the recipient's account B. The recipient's attribute information may include information such as the name of the account holder linked to account B, the recipient's industry, group (branch name of chain store, department name, etc.), account administrator (approver), and whether the identity verification procedure for AML (Anti-Money Laundering) (KYC (Know Your Customer)) is incomplete or completed. The recipient's account information may be stored in advance by the information processing device 10, or it may be stored in an external database of the remittance system 1. Alternatively, for example, the remitter may include the recipient's account information in the remittance information when processing (1).

[0017] (3) The information processing device 10 makes an inquiry regarding user A, who is the remitter. The inquiry regarding the remitter may be made, for example, by referring to the information of user A, who is registered as the remitter, based on the remitter information included in the remittance information and the information of the remitter account A, and by confirming the remittance authority of user A in account A, which is linked to the information of user A. The remittance authority information may be, for example, information indicating which users can make remittances using account A, the maximum amount that can be remitted when using account A, etc. The information of the remitter account may be stored in advance by the information processing device 10, or it may be stored in a database outside of the remittance system 1. Alternatively, for example, when processing (1), the remitter may include the information of the remitter account in the remittance information.

[0018] (4) The information processing device 10 queries the rules (hereinafter referred to as "remittance rules") for remitting money from user A's account A to user B's account B. The remittance rules are information for controlling the remittance process based on the combination of the information of the remitter and the information of the recipient. For example, it is information such as "If user A belongs to department A of a certain company and user B belongs to a predetermined department B, up to 1 million yen can be remitted from account A to account B". In this way, the information processing device 10 controls the remittance transaction with flexible control using the remittance rules set by the combination of the information of the remitter and the information of the recipient. Note that the remittance rules may be stored in the information processing device 10 in advance, or may be stored in a database outside the remittance system 1. Also, after the process of (3) is completed, the remittance rules may be generated before the process of (4).

[0019] (5) Based on the remittance rules queried in (4), money is remitted from user A's account A to user B's account B. As a result, 2,000 yen is remitted from account A to account B.

[0020] In this way, in the remittance system 1, the information processing device 10 does not control only by the authority regarding the remittance of the user associated with the remitter's account when conducting remittance transactions in group units such as companies or families. Instead, it is a system that also uses the information of the recipient's account or information regarding the user associated with the account (for example, attribute information) to control the remittance transaction. That is, by combining the information of the remitter of the remittance source and the information of the recipient of the remittance destination, security for remittance to the recipient's account (according to the information of the recipient) is provided for each user who is the remitter. Note that the above-described embodiment is only one embodiment of the present invention described below, and the present invention is not limited to the above embodiment.

[0021] FIG. 2 is a diagram showing the schematic configuration of the remittance system 1 according to the present embodiment. As shown in FIG. 2, the remittance system 1 includes an information processing device 10 and a user device 20.

[0022] The remittance system 1 is connected to the information processing device 10 and the user device 20 via the network N. Each device is configured as a single information processing device, but it may be composed of one or more different information processing devices. Furthermore, Figure 2 is merely illustrative, and the number of devices is not limited to those shown.

[0023] The information processing device 10 is a device that processes information related to transfers between accounts. For example, it obtains transfer information from the user device 20 for processing transfers between accounts. Based on the transfer information, the information processing device 10 queries information about the recipient and information about the sender. Then, the information processing device 10 refers to the transfer rules and processes the transfer according to the transfer rules.

[0024] Furthermore, the information processing device 10 may store information about the recipient's account and information about the sender's account in advance. This makes it possible to query information about the recipient and information about the sender based on the information stored in the information processing device 10. The information about the recipient's account and the information about the sender's account may include, for example, account identification information and user attribute information associated with the account.

[0025] Account identification information may include, for example, bank account number, bank code, IBAN (International Bank Account Number), money transfer service provider account information, credit card number, email address, or phone number associated with the account.

[0026] User attribute information associated with an account may include the name of the account holder, the sender's industry, the group to which the sender belongs (e.g., branch name of a chain store, department name), the account administrator (approver), and whether the AML (Anti-Money Laundering) identity verification process (KYC (Know Your Customer)) is complete or not.

[0027] Furthermore, the information processing device 10 may store remittance rules in advance. This makes it possible to control the remittance process according to this embodiment. Details of the remittance rules will be described later.

[0028] The information processing device 10 may be, for example, a cloud computer, a server computer, a personal computer (e.g., a desktop, laptop, tablet, etc.), another type of computer, or a communication platform. At least a portion of the processing in the information processing device 10 may be implemented by one or more computers (e.g., cloud computing composed of one or more computers), or it may not be.

[0029] The user device 20 is a device used by users (senders and / or recipients) who utilize the remittance system 1, and may be, for example, a smartphone, tablet, personal computer, etc. The user device 20 may be, for example, a terminal on which an application for performing remittance processing is installed. For example, a sender user operates the user device 20 to send remittance information to the information processing device 10. Alternatively, a recipient user may operate the user device 20 to send remittance information to the information processing device 10 and request the execution of remittance processing.

[0030] Network N may be any of the following: the Internet, LAN, telephone line, corporate network, mobile communication network, Bluetooth®, WiFi (Wireless Fidelity), other communication lines, or combinations thereof, and may be wired or wireless.

[0031] <Hardware Configuration> Figure 3 shows an example of the hardware configuration of each device (information processing device 10 and user device 20) according to this embodiment. Each device has a processor 11 such as a CPU (Central Processing Unit) corresponding to an arithmetic unit, a storage unit 12, a transmitting / receiving unit 13, and an input / output unit 14. These components are connected to each other via a bus so that data can be transmitted and received from each other.

[0032] The storage unit 12 is composed of, for example, memory, an HDD (Hard Disk Drive), and / or an SSD (Solid State Drive). The storage unit 12 may store various information necessary for the execution of processing by the processor 11 (for example, programs executed by the processor 11).

[0033] The transmitting / receiving unit 13 is a device that communicates via the network N, and may include, for example, a network card, a communication module, a chip, an antenna, etc. The transmitting / receiving unit 13 may also include a transmitting unit that transmits various types of information via the network N, and / or a receiving unit that receives various types of information via the network N.

[0034] The input / output unit 14 includes, for example, an input unit such as a keyboard, touch panel, mouse, and / or microphone, and an output unit such as a display and / or speaker. The input unit receives various types of information from the user. The output unit may also include a display unit that displays various types of information.

[0035] The configuration described above is merely an example. Each device may omit some of the hardware shown in Figure 3, or may include hardware not shown in Figure 3. Furthermore, the hardware shown in Figure 3 may be composed of one or more chips.

[0036] <Functional Configuration> (Information processing device) Figure 4 shows an example of the functional configuration of the information processing device 10. The information processing device 10 comprises a storage unit 100, a remittance information acquisition unit 101, a first verification unit 102, a second verification unit 103, a remittance rule verification unit 104, an execution unit 105, and an authentication unit 106. The means by which each of these functional units is realized are, for example, by the processor 11 executing a program stored in the storage unit 12 shown in Figure 3.

[0037] The memory unit 100 is a functional unit that stores various types of information used in processing performed by the information processing device 10 in the memory unit 12 shown in Figure 3.

[0038] For example, the memory unit 100 stores information about the remitter in a database (hereinafter referred to as the "first database") by associating it with the account information associated with the remitter, the attribute information of the remitter, and information indicating the remitter's authority regarding remittances, and then stores it in the memory unit 12.

[0039] The account information associated with the sender may include the "account identification information" described above. Furthermore, the account information may include, for example, information regarding the permissions granted when making a transfer using that account. This permission information may include, for example, information about users who can access the account as a sender, and the actions that those users can perform.

[0040] Figure 5 shows an example of the first database D151. As shown in Figure 5, the first database D151 includes the following items: [Sender Account], [User], [Attribute Information], and [Authority Information]. [Sender Account] stores information indicating the sender account, such as the "account identification information" mentioned above. [User] stores information indicating the user associated with the sender account. Multiple users may be associated. Information indicating the group to which multiple users belong may also be associated. [Attribute Information] stores the "attribute information indicating the attributes of the user associated with the account" mentioned above. [Authority Information] stores information regarding the permissions mentioned above.

[0041] Note that the first database does not necessarily have to be stored by the information processing device 10. In that case, the information may be referenced from an external storage device (not shown) where the information of the first database D151 is registered.

[0042] Furthermore, the memory unit 100 stores information about the recipient in a database (hereinafter referred to as the "second database") by associating the recipient's account information with the recipient's attribute information, and then stores this information in the memory unit 12.

[0043] The account information associated with the recipient may include the "account identification information" mentioned above.

[0044] Figure 6 shows an example of the second database D152. As shown in Figure 6, the second database includes the following items: [Recipient Account], [User], and [Attribute Information]. [Recipient Account] stores information indicating the recipient account, such as the "account identification information" mentioned above. [User] stores information indicating the user who is the recipient and is associated with the recipient account. Multiple users may be associated. Information indicating a group to which multiple users belong may also be associated. [Attribute Information] stores the "attribute information indicating the attributes of the user associated with the account" mentioned above.

[0045] Note that the second database does not necessarily need to be stored by the information processing device 10. In that case, the information may be referenced from an external storage device (not shown) where the information for the second database D152 is registered.

[0046] Furthermore, the memory unit 100 stores information on remittance rules for controlling remittances in a database (hereinafter referred to as the "third database") and has the memory unit 12 store it.

[0047] Figure 7 shows an example of a third database D153 that stores remittance rules. As shown in Figure 7, the third database contains information on [ID], [Sender], [Authority Information], [Recipient], [Attribute Information], and [Control]. [ID] stores an identification code for identifying the remittance rule. [Sender] stores information indicating the sender. Here, the sender information may be a user or group associated with an account. [Authority Information] stores information on the permissions associated with the sender user or group. [Recipient] stores information indicating the recipient account or user. It may also be a predetermined group unit that combines multiple users. [Attribute Information] stores attribute information associated with the recipient account or user. [Control] stores information on the content that controls the remittance. The content of the control may include, for example, whether or not a remittance is permitted from the sender to the recipient, the upper limit and frequency of the amount, and whether or not approval from a predetermined user is required.

[0048] The content of the control is determined, for example, by a combination of information about the sender and information about the recipient. The combination is envisioned to be, for example, a combination of the permission information of the sender user or group and the account information or user attribute information of the recipient, but it may also be a combination of information between accounts or a combination of attribute information. For example, in #1 of Figure 7, if the sender is user A and the recipient is user B, the control content will be set to "Transfer is possible if it is a barcode reading transfer and the recipient is in industry X," based on the permission information of sender user A and the attribute information of recipient user B. In #2, the control content will be set to "Transfer is possible if the amount limit is 10 million yen and the recipient is account B," based on the permission information of sender group A and the information of recipient account B.

[0049] The remittance information acquisition unit 101 acquires remittance information, for example, that indicates that the remitter is sending money from the source account to the recipient's linked account.

[0050] The remittance information is, for example, information transmitted from the remitter's user device 20 to the information processing device 10, and may include information indicating the remitter's account, information indicating the remitter, information indicating the recipient's account, and information indicating the amount to be remitted.

[0051] Furthermore, remittance information may be obtained from the recipient's user device 20. This allows remittances to be made even if the recipient wishes to remit.

[0052] The first verification unit 102 is a functional unit that, based on the remittance information, for example, refers to the first database and verifies the remitter's authority information regarding the remittance.

[0053] The second verification unit 103 is a functional unit that, for example, refers to the second database based on the remittance information to verify the recipient's account information or the recipient's attribute information.

[0054] The remittance rule confirmation unit 104 is a functional unit that confirms the remittance rules based on the remittance information, for example by referring to the third database.

[0055] The execution unit 105 processes the remittance based on the remittance information in accordance with the remittance rules.

[0056] The authentication unit 106 is a functional unit that authenticates, for example, that the person who sent the remittance information is a legitimate remitter. The authentication unit 106 may send an authentication request to the remitter's user device 20 for authentication. The authentication request may, for example, confirm the remitter's authority information by the first verification unit 102 and send an authentication screen (not shown) to the remitter's user device 20 for authenticating the remitter. This provides security for authenticating the remitter and allows remittances to be executed more safely.

[0057] Furthermore, the authentication unit 106 may, for example, request authentication from the sender when remittance information is transmitted from the recipient's user device 20. In this case, authentication may involve verifying the sender's legitimacy as a sender, or it may involve requesting confirmation of the remittance from the sender. This provides security by allowing the recipient to verify the sender's legitimacy or to confirm the remittance with the sender when requesting a remittance.

[0058] Furthermore, authentication may be password authentication, biometric authentication, digital certificate authentication, etc., at the user interface displayed on the user device 20. A general authentication mechanism will be adopted, and a detailed explanation will be omitted here.

[0059] <Variation> A modified version of the information processing device 10 according to one embodiment of the present invention will be described below. In the following, only configurations that differ from the information processing device 10 described above will be described, and unless otherwise specified, the configurations are the same as those of the information processing device 10 described above.

[0060] The execution unit 105 may, for example, query assessment information to verify the transaction risk of the remittance before executing the remittance process. In that case, for example, the remittance information may further include a request to verify the transaction risk.

[0061] Transaction risk can be verified, for example, by querying evaluation information (not shown) which is assessed based on information such as the sender's information, user device information, recipient information, transfer amount, transfer type, transfer timing, and remittance provider information. The evaluation information may be shown as a score or in stages (e.g., A rating, B rating, C rating, risk present / absent).

[0062] The execution unit 105 may, based on evaluation information obtained from various sources, decide not to execute the transfer if, for example, the score falls below a predetermined level. Alternatively, if the evaluation information falls below a predetermined level, the execution unit 105 may request the authentication unit 106 to perform authentication. This provides security for transfers that takes transaction risks into consideration.

[0063] Furthermore, the execution unit 105, for example, refers to the amount included in the remittance information and, before processing the remittance, ensures that the amount is not used in the processing of other remittances in the remittance account. This prevents processing inconsistencies such as double transfers for a portion of the account balance.

[0064] (User equipment) Next, the user device 20 will be described. Figure 8 shows an example of the functional configuration of the user device 20. The user device 20 includes a communication unit 201, a UI (User Interface) unit 202, and a control unit 203. The means implemented by each of these functional units are realized, for example, by the processor 11 executing a program stored in the storage unit 12 shown in Figure 3.

[0065] The communication unit 201 is a functional unit that performs various types of communication with the information processing device 10 using the transmitting / receiving unit 13.

[0066] The UI unit 202 has the function of receiving various inputs from each user, who is the sender and the recipient, and the function of displaying various screens of the remittance system 1 on the display to the input / output unit 14. In addition, if the UI unit 202 receives an authentication request from the information processing device 10, for example, it will display an authentication screen on the user device 20.

[0067] The control unit 203, in cooperation with the information processing device 10, provides various functions necessary for using the remittance system 1. For example, the control unit 203 provides a function to transmit remittance information to the information processing device 10.

[0068] <Processing Procedure> (Pre-registration process) Referring to Figure 9, the procedure for the pre-registration process performed in the remittance system 1 according to one embodiment of the present invention will be described. Figure 9 is a sequence diagram showing an example of the pre-registration process procedure.

[0069] The information processing device 10 stores information about the sender's account (step S11). For example, it associates the sender's account, information about the sender, and information about the sender's authority regarding the transfer, and stores the information in the first database D151.

[0070] Next, the information processing device 10 stores information about the recipient's account (step S12). For example, it associates the recipient's account with information about the recipient (e.g., attribute information) and stores the information in the second database D152.

[0071] Next, the information processing device 10 stores information regarding the remittance rules in a third database based on the combination of information about the remitter and information about the recipient (step S13).

[0072] (Remittance processing) Referring to Figure 10, the procedure for the remittance process performed in the remittance system 1 according to one embodiment of the present invention will be described. Figure 10 is a sequence diagram showing an example of the processing procedure for the remittance process.

[0073] The information processing device 10 acquires remittance information (step S21). The remittance information may be acquired from the remitter's user device 20 or from the recipient's user device 20. The remittance information may also further include authentication request information and / or transaction risk confirmation request information.

[0074] Next, the information processing device 10 verifies the sender's authorization information and the recipient's account (or recipient's attribute information) (step S22).

[0075] Next, the information processing device 10 authenticates the remitter based on the authentication request (step S23). Authentication may also be performed if remittance information is obtained from the recipient. This step may be performed at any time between steps S21 and S26.

[0076] Next, the information processing device 10 refers to the remittance rules for controlling the remittance (step S24).

[0077] Next, the information processing device 10 performs a transaction risk verification based on the transaction risk verification request (step S25). The transaction risk verification may be performed at any time between steps S22 and S26.

[0078] Next, the information processing device 10 executes the remittance process based on the remittance information and the remittance rules (step S26). The amount included in the remittance information may be reserved in the remitter's account.

[0079] <Summary> As described above, in the remittance system 1 according to this embodiment, when sending money between accounts, the system not only controls the remittance based on the sender's authority linked to the sending account, but also sets remittance rules that take into account the recipient's account or recipient's information (i.e., identification information and attribute information) to control the remittance. This allows for more rigorous control of remittances by considering not only the sender's information but also the recipient's information, and it is also possible to subdivide the control of remittances for each sender. In other words, it is possible to make the control of remittances more flexible.

[0080] Furthermore, the information processing device 10 according to this embodiment is applicable to situations where there are multiple users associated with an account. This makes it possible, for example, when the account is a corporate account or when the account is shared among family members, to set remittance rules for each associated user or to set remittance rules for groups of associated users. In this way, the remittance system can accommodate cases where multiple people use the account. Needless to say, the information processing device 10 is also applicable when there is only one user associated with the account.

[0081] Furthermore, the information processing device 10 according to this embodiment can provide a mechanism for authenticating the sender. This enhances the security of remittances by the remittance system 1. In addition, for example, when a recipient requests a remittance from the sender, it is possible to provide the sender with authentication to confirm the transaction.

[0082] Furthermore, the information processing device 10 according to this embodiment can verify the transaction risk of the remittance. This makes it possible to provide tiered security, such as requiring authentication or not executing the remittance depending on the transaction risk.

[0083] Furthermore, the information processing device 10 according to this embodiment can reserve the amount included in the remittance information in the balance of the remitter's account until the remittance is executed. This prevents inconsistencies in the remittance process and enables more accurate remittance execution.

[0084] The embodiments described above are provided to facilitate understanding of the present invention and are not intended to limit its interpretation. The elements, arrangement, materials, conditions, shapes, and sizes of the embodiments are not limited to those exemplified and can be modified as appropriate. Furthermore, it is possible to partially substitute or combine the configurations shown in different embodiments. [Explanation of symbols]

[0085] 1...Remittance system, 10...Information processing device, 20...User device, 11...Processor, 12...Storage unit, 13...Transmit / receive unit, 14...Input / output unit, 101...Remittance information acquisition unit, 102...First verification unit, 103...Second verification unit, 104...Remittance rule verification unit, 105...Execution unit, 106...Authentication unit.

Claims

1. On the computer, A remittance information acquisition unit acquires remittance information indicating a transfer from a first account linked to the sender to a second account linked to the recipient, Based on the aforementioned remittance information, a first verification unit refers to a database in which information indicating the first account, information about the remitter, and information about the remitter's authority regarding the remittance are registered in association, and verifies the information about the remitter's authority regarding the remittance. An execution unit that performs a process of transferring funds from the first account to the second account based on the information regarding the sender's authority to make the transfer, A program that makes this possible.

2. To the aforementioned computer, Based on the aforementioned remittance information, a remittance rule confirmation unit refers to a database containing information indicating remittance rules for controlling the processing of remittances based on a combination of information regarding the user's remittance permissions linked to the remitting account and information regarding the recipient account, and identifies a remittance rule based on the information indicating the remitter's permissions and the information of the second account included in the remittance information. To make it happen, The execution unit is, Based on the aforementioned remittance information and the identified remittance rules, the system executes a process to transfer funds from the first account to the second account. The program according to claim 1.

3. To the aforementioned computer, Once the verification of the sender's authority regarding the aforementioned remittance is complete, Further, an authentication unit is implemented that sends an authentication request to a terminal operated by the sender to authenticate that the sender is a user associated with the first account. The program according to claim 1 or claim 2.

4. The execution unit Before executing the process to make the aforementioned transfer, in order to confirm the transaction risk of the transfer, the assessment information for evaluating the transaction risk is checked. The program according to claim 1 or claim 2.

5. The authentication unit, If the aforementioned remittance information is obtained from a terminal operated by the recipient linked to the second account, For the sender associated with the first account, a process is performed to verify the legitimacy of the transfer. The program according to claim 3.

6. The execution unit is, When the aforementioned remittance information is obtained from a terminal operated by the recipient linked to the second account, the amount of the remittance indicated by the remittance information is reserved in the balance of the first account until the process is completed. The program according to claim 1 or 2.

7. The execution unit is, If the legitimacy of the transaction is confirmed, the amount of the transfer indicated by the transfer information will be reserved in the balance of the first account until the process is completed. The program according to claim 5.

8. A remittance information acquisition unit acquires remittance information indicating a transfer from a first account linked to the sender to a second account linked to the recipient, Based on the aforementioned remittance information, a first verification unit refers to a database in which information indicating the first account, information about the remitter, and information about the remitter's authority regarding the remittance are registered in association, and verifies the information about the remitter's authority regarding the remittance. An execution unit that performs the process of transferring funds from the first account to the second account based on the information regarding the sender's authority to make the transfer, An information processing device equipped with the following features.

9. Computers Obtaining transfer information indicating a transfer from the first account linked to the sender to the second account linked to the recipient, Based on the aforementioned remittance information, refer to a database in which information indicating the first account, information about the remitter, and information about the remitter's authority regarding the remittance are registered in association, and confirm the information about the remitter's authority regarding the remittance. Based on the information regarding the sender's authority to make the transfer, the process of transferring funds from the first account to the second account is executed. Information processing methods including

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