Program, remittance management device, and remittance management method

Abstract

To provide a program, a remittance management apparatus, and a remittance management method capable of reducing a remittance charge.SOLUTION: A remittance management apparatus 101 comprises: a liquidation identification information acquiring unit 603 for acquiring first liquidation identification information of a first user and second liquidation identification information of a second user associated with a settlement business operator; and a remittance identification information assigning unit 604 for assigning first remittance identification information to the first liquidation identification information and assigning second remittance identification information to the second liquidation identification information, wherein the first remittance identification information and the second remittance identification information identify the first user and the second user for remittance from the first user to the second user. The remittance management apparatus 101 acquires remittance information including the first remittance identification information, the second remittance identification information, and a remittance amount from the first user, generates withdrawal information in which the remittance amount is associated with the first liquidation identification information based on the remittance information, and generates deposit information in which the remittance amount is associated with the second liquidation identification information based on the remittance information.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] The present invention relates to a program, a remittance management device, and a remittance management method. [Background technology]

[0002] Various remittance systems are used for remittance between individuals, between companies, or between individuals and companies. For example, Patent Document 1 describes a person-to-person gift transaction system in which digital gifts such as electronic money are traded between individuals.

[0003] In the person-to-person gift transaction system described in Patent Document 1, it is possible for individuals to give electronic money to each other by converting a user's electronic money into a digital gift and sending the digital gift to another user's terminal, even without knowing any information that can identify the individual. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] International Publication No. 2015 / 030227 Summary of the Invention [Problem to be solved by the invention]

[0005] In the person-to-person gift transaction system described in Patent Document 1, electronic money is used, but remittances using cash managed in an account at a financial institution are also widely conducted. Remittances using cash may require a remittance fee. The remittance fee is set based on the cost of the remittance procedure itself, as well as the costs required for registering and maintaining the remitter's and recipient's accounts, and the costs of establishing a data communication environment between the bank or other business that manages the accounts and the business that provides the remittance function. As a result of the various factors involved in implementing remittances, it is difficult to reduce remittance fees.

[0006] SUMMARY OF THE PRESENT EMBODIMENTS Accordingly, an object of the present invention is to provide a program, a remittance management device, and a remittance management method that are capable of reducing remittance fees. [Means for solving the problem]

[0007] A program according to one embodiment of the present invention executes the following steps: a settlement identification information acquisition process for acquiring a first settlement identification information of a first user and a second settlement identification information of a second user associated with a payment service provider; a remittance identification information assignment process for assigning the first remittance identification information to the first settlement identification information and the second remittance identification information to the second settlement identification information, of the first remittance identification information and the second remittance identification information which identify the first user and the second user for the purpose of remittance from the first user to the second user; a remittance information acquisition process for acquiring from the first user remittance information which indicates a remittance from the first user to the second user and which includes the first remittance identification information, the second remittance identification information, and the remittance amount; a withdrawal information generation process for generating, based on the remittance information, withdrawal information in which the remittance amount from the first user is associated with the first settlement identification information to which the first remittance identification information is assigned; and a deposit information generation process for generating, based on the remittance information, deposit information in which the remittance amount from the first user is associated with the second settlement identification information to which the second remittance identification information is assigned.

[0008] A remittance management device according to another aspect of the present invention includes a settlement identification information acquisition unit that acquires a first settlement identification information of a first user and a second settlement identification information of a second user associated with a payment service provider; a remittance identification information assignment unit that assigns the first remittance identification information to the first settlement identification information and the second remittance identification information to the second settlement identification information, of the first remittance identification information and the second remittance identification information, which identify the first user and the second user for remittance from the first user to the second user; a remittance information acquisition unit that acquires remittance information from the first user that indicates a remittance from the first user to the second user and includes the first remittance identification information, the second remittance identification information, and the remittance amount; a withdrawal information generation unit that generates, based on the remittance information, withdrawal information in which the remittance amount from the first user is associated with the first settlement identification information to which the first remittance identification information is assigned; and a deposit information generation unit that generates, based on the remittance information, deposit information in which the remittance amount from the first user is associated with the second settlement identification information to which the second remittance identification information is assigned.

[0009] A remittance management method according to another aspect of the present invention includes acquiring a first settlement identification information of a first user and a second settlement identification information of a second user associated with a payment service provider; assigning the first remittance identification information to the first settlement identification information and the second remittance identification information to the second settlement identification information, of the first remittance identification information and the second remittance identification information, for remittance from the first user to the second user; acquiring remittance information from the first user indicating a remittance from the first user to the second user and including the first remittance identification information, the second remittance identification information, and a remittance amount; generating, based on the remittance information, withdrawal information in which the remittance amount from the first user is associated with the first settlement identification information to which the first remittance identification information is assigned; and generating, based on the remittance information, deposit information in which the remittance amount from the first user is associated with the second settlement identification information to which the second remittance identification information is assigned. Effect of the Invention

[0010] According to the present invention, it is possible to provide a program, a remittance management device, and a remittance management method that can reduce remittance fees. [Brief description of the drawings]

[0011] [Figure 1] 1 is a diagram showing an outline of a remittance system according to an embodiment of the present invention; [Diagram 2] FIG. 2 is a diagram illustrating a remittance procedure in the remittance system according to the present embodiment. [Diagram 3] FIG. 2 is a block diagram showing a configuration of a payment service provider terminal according to the present embodiment. [Figure 4] 4 is an example of information stored in a user database and a settlement amount database according to the embodiment. [Diagram 5] 13 is another example of information stored in the user database and the settlement amount database according to the embodiment. [Figure 6] FIG. 2 is a block diagram showing the configuration of the remittance management device according to the present embodiment. [Figure 7] 1 is an example of information stored in a remittance ID database according to the present embodiment. [Figure 8] 4 is an example of fee information according to the embodiment. [Figure 9] 1 is an example of information stored in a remittance history database according to the present embodiment. [Figure 10] FIG. 2 is a diagram illustrating an example of a process of the remittance system according to the present embodiment. [Figure 11] FIG. 13 is a diagram illustrating an example of a remittance screen according to the embodiment. [Figure 12] FIG. 11 is a diagram illustrating another example of the process of the remittance system according to the embodiment. [Figure 13] FIG. 11 is a diagram illustrating another example of the process of the remittance system according to the embodiment. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0012] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS The present invention will now be described with reference to the accompanying drawings, in which like reference numerals denote like or similar structures.

[0013] FIG. 1 shows a schematic diagram of a remittance system 10 according to this embodiment. The remittance system 10 comprises a remittance management device 101, payment service provider devices 102a and 102b, user terminals 103a and 103b, and financial institution devices 104a and 104b. The number of payment service provider devices, user terminals, and financial institution devices is not limited to two, and may be multiple. When there is no particular need to distinguish between them, the payment service provider devices 102a and 102b will be referred to as the payment service provider device 102, the user terminals 103a and 103b as the user terminal 103, and the financial institution devices 104a and 104b as the financial institution device 104.

[0014] A payment service provider is, for example, a service provider that processes payments using credit cards. The payment service provider debits the amount used by a user who makes a payment using a credit card and deposits the payment amount to the affiliated store that is the payment destination. A payment service provider may manage the remittance system 10 for its own users, and the administrator of the remittance system 10 may be different from the payment service provider. In this case, the administrator of the remittance system 10 may manage the remittance system 10 so that other payment service providers can use it.

[0015] A user is someone who uses a payment service provided by a certain payment service provider. A user is, for example, a consumer who makes a payment using a credit card, or an affiliated store that receives payments by credit card. Within the payment service provider, users are managed by, for example, card numbers and affiliated store numbers. The payment service provider holds information about each user's account at the financial institution into which the withdrawal amount and payment amount are deposited.

[0016] The remittance management device 101 is an information processing device such as a server that executes a predetermined program to perform the processes described below and manages remittances between users. The payment service provider device 102 is an information processing device such as a server managed by each payment service provider. The user terminal 103 is an information processing device such as a smartphone or tablet terminal used by a user. The financial institution device 104 is an information processing device such as a server of each financial institution that manages the accounts of users.

[0017] The remittance management device 101 is communicatively connected to each of the payment service provider devices 102, each of the user terminals 103, and each of the financial institution devices 104 via a network N.

[0018] With reference to FIG. 2, a remittance process between users managed by the remittance system 10 and the remittance management device 101 will be described.

[0019] First, we will explain remittance between users A1 and A2 who use the same payment service provider A. Payment service provider A has the credit card numbers of users A1 and A2 and account information used to settle the amount used. Note that while Figure 2 shows only the bank name as the account information, in reality, the appropriate account number, etc. is used as the account information.

[0020] At payment service provider A, user A1 uses a credit card with card number "AA01" in association with account information "Bank V," and user A2 uses a credit card with card number "AA02" in association with account information "Bank W." In addition to money transfers, users A1 and A2 can use their credit cards to purchase goods and pay various fees.

[0021] For remittance from user A1 to user A2, a remittance ID is assigned to each card number in the remittance management device 101. The remittance ID is assigned, for example, by each user transmitting his / her card number to the remittance management device 101. In FIG. 2, in step (A1), user A1 transmits card number "AA01" to the remittance management device 101, and in step (B1), the remittance management device 101 assigns remittance ID "ID001" to card number "AA01". The remittance ID may be automatically generated in the remittance management device 101, or may be an ID generated by the user.

[0022] In addition, when a user generates a remittance ID, the ID used for processing within the remittance system 10 can be managed in association with the remittance ID. In this way, the user can change his or her own remittance ID as needed.

[0023] Similarly, in steps (A2) and (B2), a remittance ID "ID002" is assigned to the card number "AA02" of user A2. A user of the remittance service provided by the remittance management device 101 can know his / her own remittance ID through the user terminal 103. He / she can also know the remittance IDs of other users.

[0024] To transfer money from user A1 to user A2, in step (C), user A1 transmits to the remittance management device 101 the remittance ID of user A1 "ID001", the remittance ID of user A2 "ID002", and the remittance amount.

[0025] In step (D), the remittance management device 101 generates and records information indicating a remittance from the remittance ID "ID001" to the remittance ID "ID002." Specifically, the remittance management device 101 generates withdrawal information in which the remittance amount is associated with the card number "AA01" to which the remittance ID "ID001" of the remitter is assigned, and generates deposit information in which the remittance amount is associated with the card number "AA02" to which the remittance ID "ID002" of the remittance destination is assigned.

[0026] In step (E), the remittance management device 101 generates information to add the remittance amount to the planned settlement amount of user A1 at the payment provider A, and transmits it to the payment provider device 102 of the payment provider A. The remittance management device 101 also generates information to subtract the remittance amount from the planned settlement amount of user A2 at the payment provider A, and transmits it to the payment provider device 102 of the payment provider A. The remittance management device 101 can identify the payment provider based on, for example, the card number, and select the payment provider device 102 to which the information should be transmitted. The increase in the planned settlement amount of user A1 and the decrease in the planned settlement amount of user A2 are recorded in the payment provider device 102.

[0027] In each of steps (F1) and (F2), the payment service provider A debits or transfers the planned settlement amount based on the planned settlement amount and account information of each of users A1 and A2. A transfer is made, for example, when the amount received by user A2 through remittance or the like exceeds the amount used by user A2 for purchases or the like.

[0028] Through the steps described above, remittance from user A1, the remitter, to user A2, the recipient, can be realized through the remittance management device 101 and the payment service provider device 102 of payment service provider A. Since the remittance management device 101 does not need to manage the account information of users A1 and A2, it is possible to reduce the cost of operating the remittance management device 101. This enables the remittance management device 101 to reduce remittance fees.

[0029] Next, we will explain the case of remittance from user B of payment service provider B to user C of payment service provider C. At payment service provider B, user B uses a credit card with card number "BB01" associated with account information "Bank X." At payment service provider C, user C uses a credit card with card number "CC01" associated with account information "Bank Y."

[0030] In steps (A3) and (A4), users B and C transmit their card numbers to the remittance management device 101. In steps (B3) and (B4), the remittance management device 101 assigns the remittance ID "ID003" to the card number "BB01" and the remittance ID "ID004" to the card number "CC01."

[0031] To transfer money from User B to User C, in step (G), User A3 transmits to the remittance management device 101 User B's remittance ID "ID003", User C's remittance ID "ID004", and the remittance amount.

[0032] In step (H), the remittance management device 101 generates and records information indicating a remittance from remittance ID "ID003" to remittance ID "ID004." Specifically, the remittance management device 101 generates withdrawal information in which the remittance amount is associated with the card number "BB01" to which the remittance ID "ID003" of the remitter is assigned, and generates deposit information in which the remittance amount is associated with the card number "CC01" to which the remittance ID "ID004" of the remittance destination is assigned.

[0033] In step (I1), the remittance management device 101 generates information for adding the remittance amount to the settlement amount of user B at the payment business operator B based on the withdrawal information, and transmits the information to the payment business operator device 102 of the payment business operator B. The increase in the settlement amount of user B is recorded in the payment business operator device 102 of the payment business operator B.

[0034] In step (I2), the remittance management device 101 generates information to subtract the remittance amount from the planned settlement amount of user C at the payment service provider C, and transmits it to the payment service provider device 102 of the payment service provider C. In the payment service provider device 102, the planned settlement amount of user C is increased, and a decrease in the planned settlement amount of user C is recorded.

[0035] In step (J1), payment service provider B debits or credits the planned settlement amount based on the planned settlement amount and account information of user B. In step (J2), payment service provider C debits or credits the planned settlement amount based on the planned settlement amount and account information of user C. Through each of the steps up to this point, a remittance from user B, the sender, to user C, the recipient, can be realized via the remittance management device 101 and the payment service provider devices 102 of each of payment service providers B and C.

[0036] In this way, the remittance management device 101 enables remittance between users who have credit cards associated with different payment service providers by assigning a remittance ID to each card number.

[0037] In the above example, the remittance amount is settled by integrating it with the credit card settlement amount when remittance is made through the remittance management device 101. The remittance amount does not necessarily have to be settled by integrating it with the credit card settlement, and may be settled by bank transfer each time remittance is made.

[0038] A case will be described where the remittance amount is settled by account transfer when remittance is made from user B to user C. In this case, the remittance management device 101 acquires the account information of user B as settlement identification information from user B or payment service provider B. Similarly, the remittance management device 101 acquires the account information of user B as settlement identification information from user B or payment service provider B.

[0039] If the process up to step (H) is performed in the same manner, in step (K1), the remittance management device 101 generates information to debit the remittance amount from the X Bank account indicated by the account information based on the account information and withdrawal information of User B, and transmits the information to the X Bank financial institution device 104. The debited amount is temporarily credited to the account of the administrator of the remittance management device 101.

[0040] In step (K2), the remittance management device 101 generates information for depositing the remittance amount into the account of Bank Y indicated by the account information based on the account information and deposit information of User C, and transmits it to the financial institution device 104 of Bank Y. The deposited amount is paid from the account of the administrator of the remittance management device 101. This completes the remittance from User B to User C. Even in this case, the remittance management device 101 only needs to obtain the account information of Users B and C and does not need to manage it, making it possible to reduce the costs associated with the operation of the remittance management device 101. Therefore, the remittance management device 101 is able to reduce remittance fees.

[0041] Each part of the payment service provider device 102 will be described with reference to Figures 3 to 5. In the remittance system 10, the processing of the remittance management device 101 is performed based on the information recorded in the payment service provider device 102, so the payment service provider device 102 will be described first.

[0042] 3 shows a block diagram of the payment service provider device 102. The payment service provider device 102 has a storage unit 301, a communication unit 302, a settlement amount update unit 303, and a settlement identification information transmission unit 304.

[0043] Information processing in each part of the payment service provider device 102 can be realized, for example, by using a storage area such as a memory in the payment service provider device 102 or by a processor executing a program stored in the storage area.

[0044] The storage unit 301 stores various information used in the processing by the payment service provider device 102. The storage unit 301 has a user database 3011 and a settlement amount database 3012.

[0045] FIG. 4 shows an example of the user database 3011 and the settlement amount database 3012 in the payment service provider device 102 of the payment service provider A in FIG.

[0046] The user database 3011 stores information used for managing users in the payment service provider device 102. The user database 3011 has the fields "user name" and "settlement identification information".

[0047] "User name" is the name of the user, and can be an individual or corporate name. "Settlement identification information" is information including "user identification information" and "account information" used for payment by the user. "User identification information" is the user's credit card number, for example, indicated as "AA01" or "AA02." "User identification information" is also an affiliated store number for identifying an affiliated store of a credit card payment system, such as indicated as "AAAA-AA." "Account information" is information indicating the account used to settle the amount used by the user or the amount received by the affiliated store.

[0048] The settlement amount database 3012 stores information on the settlement amount used to settle the amount used or received in the payment service provider device 102. The settlement amount database 3012 stores the settlement amount in association with a user identified by a user name. In FIG. 4, the settlement amount "100,000 yen" is associated with user A1. This means that 100,000 yen will be debited from user A1 on a specific settlement date. Note that a negative settlement amount means that the amount will be transferred to the user. The deduction or transfer is made to an account managed by each user's account information.

[0049] Figure 5(a) shows an example of the user database 3011 and the settlement amount database 3012 in the payment service provider device 102 of payment service provider B in Figure 2. Figure 5(b) shows an example of the user database 3011 and the settlement amount database 3012 in the payment service provider device 102 of payment service provider C in Figure 2. In this way, each payment service provider manages the settlement identification information and settlement amounts of its own users.

[0050] The communication unit 302 controls communication between the payment service provider device 102 and the remittance management device 101. The settlement amount update unit 303 updates the settlement amount of the user in the settlement amount database 3012 based on information indicating the use of a credit card by the user or withdrawal information or deposit information in remittance by the remittance management device 101. The settlement identification information transmission unit 304 transmits the settlement identification information stored in the user database 3011 to the remittance management device 101.

[0051] The remittance management device 101 will be described with reference to Figures 6 to 9. The remittance management device 101 has a memory unit 601, a communication unit 602, a settlement identification information acquisition unit 603, a remittance identification information allocation unit 604, a remittance information acquisition unit 605, a withdrawal information generation unit 606, a deposit information generation unit 607, a planned settlement amount addition unit 608, a planned settlement amount subtraction unit 609, a remittance amount withdrawal unit 610, a remittance amount deposit unit 611, a fee information acquisition unit 612, a fee information transmission unit 613, and a timing instruction acquisition unit 614.

[0052] The information processing in each part of the remittance management device 101 can be realized, for example, by using a storage area such as a memory in the remittance management device 101, or by a processor executing a program stored in the storage area.

[0053] The memory unit 601 has a remittance ID database 6011 and a remittance history database 6012. The remittance ID database 6011 stores information for managing the remittance IDs of users of the remittance management device 101. The remittance ID database 6011 has the fields of "user name," "user identification information," and "remittance ID." The "user name" and "user identification information" are obtained, for example, through the payment service provider device 102 or from each user through the user terminal 103. The "remittance ID" may be automatically generated in the remittance management device 101, or may be an ID generated by the user.

[0054] In addition, the remittance ID database 6011 may store for each user the ID used by the user when using the services provided by the payment service provider, initial settings indicating whether the settlement at the time of remittance will be integrated into the card settlement amount or will be made by bank transfer, contact information such as the user's email address and telephone number, and authentication information such as a password used when making a remittance.

[0055] The storage unit 601 stores the fee information shown in Fig. 8. The fee information is an amount set by a financial institution such as a settlement company or a bank for remittance by the remittance management device 101.

[0056] The fee information has the following items: "Remittance timing," "Payment service provider," "Financial institution," and "Remittance fee." "Remittance timing" has the items "lump sum" or "instant."

[0057] When the remittance timing is "lump sum," the settlement of the remittance amount arising from remittance between users is integrated into the settlement of the settlement amount at the payment service provider. In this case, the fee is set by the payment service provider.

[0058] When the remittance timing is "instant", the remittance amount generated by the remittance between users is settled immediately as a transfer to the account of the financial institution. In this case, the fee is set by the financial institution.

[0059] 9 shows an example of the remittance history database 6012. The remittance history database 6012 stores information showing the history of remittances between users. The information in the remittance history database 6012 has the following fields: "remittance ID of remitter," "remittance ID of remitter," "remittance amount," "remittance timing," "remittance fee," and "fee bearer."

[0060] "Remitter's remittance ID" and "recipient's remittance ID" are information for identifying the remitter and recipient. "Remittance amount" is the amount remitted from the remitter to the recipient. "Remittance timing", as mentioned above, is information indicating when the settlement of the remittance between users will be made. "Remittance fee" is an amount calculated by referring to fee information based on the remitter's remittance ID and the recipient's remittance ID and remittance timing. "Fee bearer" is information selected by the remitter user, and is information indicating whether the remitter or the recipient will bear the fee.

[0061] For example, suppose that a remittance of 3,000 yen is made from user A1 to user A2 using a credit card settlement. In this case, as shown in FIG. 9, the "remitter's remittance ID" is recorded as "ID001," the "recipient's remittance ID" is recorded as "ID002," and the "remittance amount" is recorded as "3,000 yen." Additionally, the "remittance timing" is "lump sum." In this case, the remittance fee is calculated based on the fee information, and since the fee of payment service provider A is 20 yen, "20 yen" is recorded in "remittance fee." Additionally, if the remittance is made so that user A1 is the fee bearer, the "fee bearer" becomes the "remitter."

[0062] As another example, suppose that a remittance of 10,000 yen from User B to User C is made instantly by account transfer. In this case, the "remitter's remittance ID" is recorded as "ID003," the "recipient's remittance ID" is recorded as "ID004," and the "remittance amount" is "10,000 yen." Additionally, the "remittance timing" is "instantaneous." The remittance fee is calculated based on the fee information, but since there are debit and credit transactions with each financial institution, the fee is recorded as 115 yen, the sum of 55 yen from Bank X and 60 yen from Bank Y, as the "remittance fee." Additionally, if the remittance is made so that User C is the one who pays the fee, then the "fee bearer" becomes the "recipient."

[0063] The remittance history database 6012 is a database including various conditions related to executed remittances, and the storage unit 601 may further include a remittance condition database that stores information on remittance conditions between specific users. For example, the remittance condition database may store remittance conditions such as "remittance timing," "remittance fee," "fee payer," and "remittance timing" in association with information on a specific remitter (specifically, the "user name" and "user identification information" of the remitter) or information on a recipient (specifically, the "user name" and "user identification information" of the recipient). As a result, in a remittance process from a specific remitter stored in the remittance condition database to a recipient, the remittance management device 101 can read the remittance conditions from the remittance condition database and automatically set the remittance conditions. Therefore, in a remittance process between a specific remitter and a recipient, it is not necessary to manually input the remittance conditions every time, which reduces the workload of the remittance user.

[0064] In addition to the above items, the remittance conditions may include fee sharing ratio information indicating the ratio of fees shared by the remitter and the recipient. They may also include information indicating whether the remittance settlement is to be integrated into the card settlement amount or to be settled by bank transfer. The remitter may manually register the information about the remitter, the recipient, and the remittance conditions in the remittance conditions database, or the remittance management device 101 may automatically register the information based on past remittance conditions by referring to the remittance history database 6012.

[0065] The communication unit 602 controls communications between the remittance management device 101, the settlement service provider device 102, the user terminal 103, and the financial institution device 104.

[0066] The settlement identification information acquisition unit 603 acquires the settlement identification information from the settlement service provider device 102 or the user terminal 103.

[0067] The remittance identification information allocation unit 604 assigns a remittance ID as remittance identification information to the settlement identification information. The remittance identification information allocation unit 604 assigns a remittance ID to a user and updates the remittance ID database 6011. The remittance identification information allocation unit 604 may also notify the user of the assigned remittance ID. The user may also refer to the remittance ID database 6011 via the user terminal 103 to obtain his or her own remittance ID. The remittance identification information allocation unit 604 may also search for other users' remittance IDs based on the users' contact information, such as email addresses and telephone numbers, and send them to the user who needs them.

[0068] The remittance information acquisition unit 605 acquires remittance information including the remittance ID of the remitter, the remittance ID of the remittance destination, and the remittance amount from the user terminal 103 of the remitter. The remittance information acquisition unit 605 updates the information of "remitter's remittance ID," "remittance destination's remittance ID," and "remittance amount" in the remittance history database 6012 based on the acquired remittance information. The remittance information acquisition unit 605 may also acquire from the remitter user a passcode or the like for authenticating that the user has remitted money.

[0069] The withdrawal information generating unit 606 generates withdrawal information in which the remittance amount is associated with the settlement identification information to which the remittance ID of the remitter is assigned, based on the remittance information. Specifically, the withdrawal information generating unit 606 generates withdrawal information by referring to the remittance history database 6012 and the remittance ID database 6011. For example, the withdrawal information generating unit 606 refers to the remittance history database 6012 and acquires information indicating a remittance of "3,000 yen" from the remittance ID "ID001" to the remittance "ID002". Next, the withdrawal information generating unit 606 refers to the remittance ID database 6011 and acquires the user identification information "AA01" as the settlement identification information to which the remittance ID "ID001" of the remitter is assigned. The withdrawal information generating unit 606 generates withdrawal information indicating that "3,000 yen" has been withdrawn from the user identification information "AA01".

[0070] The deposit information generating unit 607 generates deposit information in which the remittance amount is associated with the settlement identification information to which the remittance ID of the remittance destination is assigned, based on the remittance information. Specifically, the deposit information generating unit 607 generates deposit information by referring to the remittance history database 6012 and the remittance ID database 6011. For example, the deposit information generating unit 607 refers to the remittance history database 6012 and acquires information indicating a remittance of "3,000 yen" from the remittance ID "ID001" to the remittance "ID002". Next, the deposit information generating unit 607 refers to the remittance ID database 6011 and acquires the user identification information "AA02" as the settlement identification information to which the remittance ID "ID002" of the remittance destination is assigned. The deposit information generating unit 607 generates deposit information indicating that "3,000 yen" has been deposited into the user identification information "AA02".

[0071] The planned settlement amount addition unit 608 generates information indicating that an amount according to the remittance amount should be added to the planned settlement amount at the payment service provider of the remitter user based on the withdrawal information. The information generated by the planned settlement amount addition unit 608 is sent to the payment service provider device 102, and the user's settlement amount managed by the payment service provider device 102 is updated.

[0072] The planned settlement amount subtraction unit 609 generates information indicating that an amount corresponding to the remittance amount is to be subtracted from the planned settlement amount at the payment service provider of the remittance destination user based on the deposit information. The information generated by the planned settlement amount subtraction unit 609 is sent to the payment service provider device 102, and the user's settlement amount managed by the payment service provider device 102 is updated.

[0073] When the settlement identification information includes the account information of the sender, the remittance amount withdrawal unit 610 generates information indicating that an amount corresponding to the remittance amount is to be withdrawn from the account of the sender user based on the withdrawal information and the account information. The information generated by the remittance amount withdrawal unit 610 is sent to the financial institution device 104, whereby the remittance amount is withdrawn from the account.

[0074] When the settlement identification information includes the account information of the remittance destination, the remittance amount depositing unit 611 generates information indicating that an amount corresponding to the remittance amount is to be deposited into the account of the remittance destination user based on the deposit information and the account information. The information generated by the remittance amount depositing unit 611 is sent to the financial institution device 104, whereby the remittance amount is transferred to the account.

[0075] The fee information acquisition unit 612 acquires information indicating the fee for remittance from the user terminal 103 or the financial institution device 104. As described above, the fee information includes the fee when the remittance timing is "lump sum" and the fee when the remittance timing is "instant".

[0076] The fee information transmitting unit 613 transmits fee information to the remitter user based on the remittance information. For example, based on the remittance information indicating a remittance of "3,000 yen" from remittance ID "ID001" to remittance "ID002", the fee information transmitting unit 613 refers to the fee information in the memory unit 601 and obtains or calculates a fee of "20 yen" for "lump sum" and a fee of "95 yen" for "instant". The fee information transmitting unit 613 transmits the fee for each case to the remitter user terminal 103.

[0077] The timing instruction acquisition unit 614 acquires from the remittance user remittance timing information indicating lump-sum or immediate remittance selected by the remittance user based on the fee information for each case. The timing instruction acquisition unit 614 updates the "remittance timing" in the remittance history database 6012 and the "remittance fee" information corresponding to the selected remittance timing. The timing instruction acquisition unit 614 also acquires information indicating the fee bearer from the remittance user and updates the remittance history database 6012. The remittance timing may be a timing designated by the settlement service provider or a date selected by the remittance user.

[0078] The remittance management device 101 may periodically check the validity of the settlement identification information of the user to whom the remittance ID is assigned. The remittance management device 101 may also perform identity verification when assigning the remittance ID. The remittance management device 101 may also distinguish the remittance ID into two IDs, a remittance source ID and a remittance destination ID, and distinguish the remittance from the recipient. The remittance management device 101 may also adjust the settlement amount by offsetting the withdrawals and deposits in multiple remittances when there are multiple remittances. The remittance management device 101 may also allow the user to refer to the information in the remittance history database 6012 as appropriate. The remittance management device 101 may also manage the status of the remittance process. Specifically, the remittance management device 101 may notify the sender and the recipient of the status of each remittance process (for example, "remittance instruction accepted", "remittance in process", and "remittance completed") in response to a request from the remittance or recipient or a change in the status.

[0079] An outline of the processing in the remittance system 10 will be described with reference to Fig. 10. Here, remittance from user A1 to user A2 described in Fig. 2 will be described. The description will be made on the assumption that user A1 operates user terminal 103a, user A2 operates user terminal 103b, and payment service provider A operates or manages payment service provider device 102a.

[0080] In step S1001, the settlement identification information acquisition unit 603 acquires the card number of user A1 as settlement identification information from the user terminal 103a.

[0081] In step S1002, the settlement identification information acquisition unit 603 acquires the card number of user A2 as settlement identification information from the user terminal 103b.

[0082] In step S1003, the remittance identification information allocation unit 604 allocates a remittance ID to each card number.

[0083] In step S1004, the remittance information acquisition unit 605 transmits information for generating a remittance screen 1100 as shown in FIG.

[0084] The remittance screen 1100 has input fields 11011, 11012, and 11013, selection fields 11014a, 11014b, and 11015, and display fields 11021a and 11021b.

[0085] The sender, the recipient, and the amount to be sent can be input through input fields 11011, 11012, and 11013.

[0086] Selection fields 11014a and 11014b are areas that can be selected by operating the screen of the user terminal 103, and the user can select either lump sum or immediate items. Display fields 11021a and 11021b are areas that display fees according to the remittance source, remittance destination, and remittance timing. This display can change dynamically depending on the input and selection of the remittance source, remittance destination, and remittance timing.

[0087] In the selection column 11015, the "remitter" or "recipient" is selected as the fee bearer from, for example, a pull-down list.

[0088] The remittance source user can input remittance information through the remittance screen 1100 and send it to the remittance management device 101. Furthermore, the remittance source user can send the remittance timing to the remittance management device 101 through the remittance screen 1100. The example in Fig. 11 shows a situation where the remittance timing is selected as "lump remittance".

[0089] In step S1005, the remittance information acquisition unit 605 acquires remittance information from the user terminal 103a. Also, the timing instruction acquisition unit 614 acquires remittance timing from the user terminal 103a.

[0090] In step S1006, the withdrawal information generating unit 606 generates withdrawal information based on the remittance information.

[0091] In step S1007, the deposit information generating unit 607 generates deposit information based on the remittance information.

[0092] In step S1008, the remittance information acquisition unit 605 and the timing instruction acquisition unit 614 each update the remittance history database 6012.

[0093] In step S1009, the settlement amount addition unit 608 generates information for adding the remittance source user's settlement amount (settlement amount addition information).

[0094] In step S1010, the settlement amount subtraction unit 609 generates information for subtracting the settlement amount of the remittance destination user (settlement amount addition information).

[0095] In step S1011, the planned settlement amount addition unit 608 transmits settlement amount addition information to the payment service provider device 102a.

[0096] In step S1012, the settlement amount subtraction unit 609 transmits settlement amount subtraction information to the payment servicer device 102a.

[0097] In step S1013, the settlement amount update unit 303 of the payment service provider device 102a updates the settlement amount for each user. After that, the settlement amount is debited or credited according to the settlement amount, and the settlement is completed.

[0098] A case where remittance involving real-time account transfer is executed will be described with reference to Fig. 12. In step S1201, the settlement identification information acquisition unit 603 acquires the card number and account information of user A1 as settlement identification information from the user terminal 103a.

[0099] In step S1202, the settlement identification information acquisition unit 603 acquires the card number and account information of user A2 as settlement identification information from the user terminal 103b.

[0100] The process from step S1203 to step S1208 is the same as that from step S1003 to S1008, except that in this case, immediate remittance is selected as the remittance timing.

[0101] In step S1209, the remittance amount deduction unit 610 generates information (deduction information) indicating that an amount corresponding to the remittance amount will be debited from the account of the remittance source user.

[0102] In step S1210, the remittance amount deposit unit 611 generates information (transfer information) indicating that an amount corresponding to the remittance amount will be deposited into the account of the remittance destination user.

[0103] In step S1211, the remittance amount withdrawing unit 610 transmits withdrawal information to the financial institution device 104a.

[0104] In step S1212, the financial institution device 104a debits the remittance amount from the account of the remitter based on the debit information.

[0105] In step S1213, the remittance deposit unit 611 transmits transfer information to the financial institution device 104b.

[0106] In step S1214, the financial institution device 104b transfers the remittance amount to the recipient user's account based on the withdrawal information, thereby completing the remittance.

[0107] The processing of Figures 10 and 12 can be used in combination, and the remittance management device 101 can selectively execute the processing of Figure 10 in the case of lump-sum settlement or the processing of Figure 12 in the case of immediate settlement depending on the timing of remittance.

[0108] An example of a remittance procedure in the case where the remittance destination user has not been assigned a remittance ID by the remittance management device 101 will be described with reference to FIG.

[0109] In step S1301, the settlement identification information acquisition unit 603 acquires the card number of user A1 as settlement identification information from the user terminal 103a.

[0110] In step S1302, the remittance identification information allocation unit 604 assigns a remittance ID to the card number of the remittance user.

[0111] In step S1303, the remittance information acquisition unit 605 transmits information (remittance screen information) for generating a remittance screen. At this time, the remittance information acquisition unit 605 generates and transmits remittance screen information that allows the remittance recipient user's card number to be entered instead of the remittance ID of the remittance recipient on the remittance screen.

[0112] In step S1304, the remittance information acquisition unit 605 acquires remittance information including the card number of the remittee user from the user terminal 103a. The timing instruction acquisition unit 614 also acquires the remittance timing from the user terminal 103a.

[0113] In step S1305, the remittance identification information allocation unit 604 allocates a remittance ID to the card number (settlement identification information) of the remittance destination user.

[0114] The processes from step S1306 to step S1310 are similar to those from step S1006 to step S1010.

[0115] If the user terminal 103b is not user A2 managed by the same payment service provider as user A1, but is managed by another payment service provider like user B, the remittance management device 101 transmits settlement amount addition information and settlement amount subtraction information to each payment service provider device 102. Here, it is assumed that the payment service provider corresponding to the remittance destination manages the payment service provider device 102c.

[0116] In step S1311, the settlement amount addition unit 608 transmits settlement amount addition information to the settlement servicer device 102a.

[0117] In step S1312, the planned settlement amount subtraction unit 609 transmits settlement amount subtraction information to the payment service provider apparatus 102c.

[0118] In step S1313, the settlement amount update unit 303 of the payment service provider device 102a updates the settlement amount of user A1.

[0119] In step S1314, the settlement amount update unit 303 of the payment service provider device 102c updates the settlement amount of the remittance destination user. After that, the payment service provider device 102a and the payment service provider device 102c each debit or credit the settlement amount, and the settlement is completed.

[0120] The embodiment of the present invention has been described above. The remittance management device 101 according to this embodiment includes a settlement identification information acquisition unit 603 that acquires the first settlement identification information of the first user and the second settlement identification information of the second user associated with the settlement business operator, a remittance identification information allocation unit 604 that assigns the first remittance identification information to the first settlement identification information and the second remittance identification information to the second settlement identification information, of the first remittance identification information and the second remittance identification information that identify the first user and the second user for remittance from the first user to the second user, and The system comprises a remittance information acquisition unit 605 which acquires remittance information from a first user, the remittance information indicating a remittance and including a first remittance identification information, a second remittance identification information, and a remittance amount; a withdrawal information generation unit 606 which generates, based on the remittance information, withdrawal information in which the remittance amount from the first user is associated with a first settlement identification information assigned with the first remittance identification information; and a deposit information generation unit 607 which generates, based on the remittance information, deposit information in which the remittance amount from the first user is associated with a second settlement identification information assigned with the second remittance identification information.

[0121] Remittance from a first user to a second user is managed by remittance information indicating remittance between remittance identification information assigned to the settlement identification information of each user. Based on the remittance information, withdrawal information including the settlement identification information of the first user (remitter) and deposit information including the settlement identification information of the second user (recipient) are generated. The remittance can be completed by transmitting information based on the withdrawal information and deposit information to, for example, a settlement business operator or financial institution that has information on the user's account. In this way, the remittance management device 101 enables remittance between users without the need to manage the user's account information. Therefore, the cost associated with the operation of the remittance management device 101 is reduced, and the remittance management device 101 can reduce remittance fees between users.

[0122] The remittance management device 101 further includes a planned settlement amount addition unit 608 that generates information indicating that an amount corresponding to the remittance amount should be added to the first planned settlement amount at the payment service provider of the first user based on the withdrawal information, and a planned settlement amount subtraction unit 609 that generates information indicating that an amount corresponding to the remittance amount should be subtracted from the second planned settlement amount at the payment service provider of the second user based on the deposit information.

[0123] This allows, for example, payment service providers that handle credit card payments to realize remittances by adjusting the settlement amount, and since there is no need to transfer money between actual accounts, remittance fees can be further reduced.

[0124] The remittance management device 101 further comprises a remittance amount withdrawal unit 610 which generates information indicating that an amount corresponding to the remittance amount is to be debited from the remittance source account based on the withdrawal information and the remittance source account information, and a remittance amount deposit unit 611 which generates information indicating that an amount corresponding to the remittance amount is to be deposited into the remittance destination account based on the deposit information and the remittance destination account information. This allows real-time transfer between accounts without the remittance management device 101 directly managing the accounts, so that even if a user desires real-time remittance, the remittance management device 101 can enable remittance between users while keeping remittance fees low.

[0125] In addition, the payment service providers include a first payment service provider and a second payment service provider, the first settlement identification information is associated with the first payment service provider, and the second settlement identification information is associated with the second payment service provider. This enables remittance between users associated with different payment service providers, improving user convenience.

[0126] In the remittance management device 101, the remittance information acquisition unit 605 acquires from the first user second remittance information indicating a remittance from the first user to the third user and including the first remittance identification information, the third settlement identification information of the third user associated with the settlement service provider, and the second remittance amount. Furthermore, in the remittance management device 101, the remittance identification information allocation unit 604 allocates the third remittance identification information of the third user to the third settlement identification information based on the second remittance information, and the deposit information generation unit 607 generates second deposit information based on the second remittance information, in which the second remittance amount from the first user is associated with the third settlement identification information to which the third remittance identification information is assigned.

[0127] As a result, even if there is remittance information for a user to whom a remittance ID has not been assigned as remittance identification information in the remittance management device 101, the settlement identification information for that user can be obtained from the remitter and a new remittance ID can be issued before completing the remittance, thereby improving user convenience.

[0128] The remittance management device 101 further includes a fee information acquisition unit 612 that acquires first fee information indicating a first fee when a remittance based on the remittance information is executed at a first timing and second fee information indicating a second fee when the remittance based on the remittance information is executed at a second timing, a fee information transmission unit 613 that transmits the first fee information and the second fee information to the first user based on the remittance information, and a timing instruction acquisition unit 614 that acquires remittance timing information indicating the first timing or the second timing selected by the first user based on the first fee information and the second fee information from the first user, and the withdrawal information generation unit 606 generates withdrawal information based on the remittance timing information, and the deposit information generation unit 607 generates deposit information based on the remittance timing information.

[0129] According to this, the first user who is the remittance source can select the timing of remittance according to, for example, the fee for immediate remittance to a bank account or the fee for post-remittance settlement in conjunction with credit card settlement. This enables the remittance source user to remit according to his / her own economic convenience and the wishes of the remittance destination user, improving the convenience of the remittance system 10.

[0130] The above-described embodiments are intended to facilitate understanding of the present invention, and are not intended to limit the present invention. The elements of the embodiments, as well as their arrangements, conditions, shapes, sizes, etc., are not limited to those illustrated, and can be changed as appropriate. In addition, configurations shown in different embodiments can be partially substituted or combined with each other. [Explanation of symbols]

[0131] 10... remittance system, 101... remittance management device, 102... settlement business device, 103... user terminal, 104... financial institution device, 603... settlement identification information acquisition unit, 604... remittance identification information allocation unit, 605... remittance information acquisition unit, 606... withdrawal information generation unit, 607... deposit information generation unit, 608... planned settlement amount addition unit, 609... planned settlement amount subtraction unit, 610... remittance amount withdrawal unit, 611... remittance amount deposit unit, 612... fee information acquisition unit, 613... fee information transmission unit, 614... timing instruction acquisition unit

Claims

1. On the computer, A settlement identification information acquisition process for acquiring a first settlement identification information of a first user and a second settlement identification information of a second user associated with a payment service provider; a remittance identification information allocation process for allocating the first remittance identification information to the first settlement identification information and the second remittance identification information to the second settlement identification information, out of a first remittance identification information and a second remittance identification information for identifying the first user and the second user for remittance from the first user to the second user; a remittance information acquisition process for receiving an input of a remittance amount from the first user to the second user from the first user, and acquiring remittance information from the first user, the remittance information indicating a remittance from the first user to the second user, the remittance information including the first remittance identification information, the second remittance identification information, and the remittance amount; a withdrawal information generating process for generating withdrawal information in which the remittance amount from the first user is associated with the first settlement identification information to which the first remittance identification information is assigned, based on the remittance information; a deposit information generating process for generating deposit information in which the remittance amount from the first user is associated with the second settlement identification information to which the second remittance identification information is assigned, based on the remittance information; a planned settlement amount addition process for generating information indicating that an amount corresponding to the remittance amount is to be added to a first planned settlement amount at the payment service provider of the first user based on the withdrawal information; a planned settlement amount subtraction process for generating information indicating that an amount corresponding to the remittance amount is to be subtracted from a second planned settlement amount at the payment service provider of the second user based on the deposit information; A program to execute.

2. The program according to claim 1, The first settlement identification information includes first account information indicating a first account of the first user, The second settlement identification information includes second account information indicating a second account of the second user, The computer includes: a remittance amount withdrawal process for generating information indicating that an amount corresponding to the remittance amount is to be withdrawn from the first account based on the withdrawal information and the first account information; and generating information indicating that an amount corresponding to the remittance amount will be deposited into the second account based on the deposit information and the second account information.

3. 3. The program according to claim 1 or 2, The payment service provider includes a first payment service provider and a second payment service provider, The first settlement identification information is associated with the first payment service provider, and the second settlement identification information is associated with the second payment service provider.

4. The program according to any one of claims 1 to 3, The remittance information acquisition process acquires second remittance information from the first user, the second remittance information indicating a remittance from the first user to a third user and including the first remittance identification information, third settlement identification information of the third user associated with the settlement service provider, and a second remittance amount; The remittance identification information allocation process allocates a third remittance identification information of the third user to the third settlement identification information based on the second remittance information; The deposit information generation process is a program that generates second deposit information in which the second remittance amount from the first user is associated with the third settlement identification information to which the third remittance identification information is assigned, based on the second remittance information.

5. The program according to any one of claims 1 to 4, The computer includes: a fee information acquisition process for acquiring first fee information indicating a first fee when the remittance based on the remittance information is executed at a first timing and second fee information indicating a second fee when the remittance is executed at a second timing; a fee information transmission process for transmitting the first fee information and the second fee information to the first user based on the remittance information; and acquiring, from the first user, remittance timing information indicating the first timing or the second timing selected by the first user based on the first fee information and the second fee information; The withdrawal information generation process generates the withdrawal information based on the remittance timing information, The deposit information generation process generates the deposit information based on the remittance timing information.

6. a settlement identification information acquisition unit that acquires a first settlement identification information of a first user and a second settlement identification information of a second user associated with a payment service provider; a remittance identification information allocation unit that allocates the first remittance identification information to the first settlement identification information and the second remittance identification information to the second settlement identification information, out of first remittance identification information and second remittance identification information that identify the first user and the second user for remittance from the first user to the second user; a remittance information acquisition unit that receives an input of a remittance amount from the first user to the second user from the first user, and acquires remittance information from the first user that indicates a remittance from the first user to the second user and includes the first remittance identification information, the second remittance identification information, and the remittance amount; a withdrawal information generating unit that generates withdrawal information in which the remittance amount from the first user is associated with the first settlement identification information to which the first remittance identification information is assigned, based on the remittance information; a deposit information generating unit that generates, based on the remittance information, deposit information in which the remittance amount from the first user is associated with the second settlement identification information to which the second remittance identification information is assigned; a planned settlement amount addition unit that generates information indicating that an amount corresponding to the remittance amount is to be added to a first planned settlement amount at the payment service provider of the first user based on the withdrawal information; A remittance management device comprising: a planned settlement amount subtraction unit that generates information indicating that an amount corresponding to the remittance amount will be subtracted from the second planned settlement amount at the payment service provider of the second user based on the deposit information.

7. Obtaining a first settlement identification information of a first user and a second settlement identification information of a second user associated with a payment service provider; assigning the first remittance identification information to the first settlement identification information and the second remittance identification information to the second settlement identification information, out of first remittance identification information and second remittance identification information for identifying the first user and the second user for remittance from the first user to the second user; receiving an input of a remittance amount from the first user to the second user from the first user, and acquiring remittance information from the first user indicating a remittance from the first user to the second user, the remittance information including the first remittance identification information, the second remittance identification information, and the remittance amount; generating withdrawal information in which the remittance amount from the first user is associated with the first settlement identification information to which the first remittance identification information is assigned based on the remittance information; generating deposit information in which the remittance amount from the first user is associated with the second settlement identification information to which the second remittance identification information is assigned based on the remittance information; generating information indicating that an amount corresponding to the remittance amount is to be added to a first planned settlement amount at the payment service provider of the first user based on the withdrawal information; A remittance management method including: generating information indicating that an amount corresponding to the remittance amount should be subtracted from a second planned settlement amount at the payment service provider of the second user based on the deposit information.

Images