Information processing device, program, and remittance method

Abstract

An information processing device, a program, and a remittance method are provided that can adjust remittance costs using communication technology between different financial institutions. [Solution] In a transfer system in which a management server is connected to a user terminal and the Zengin system via a network such as the Internet, the management server 1 is equipped with a transfer information acquisition unit 54 that acquires financial institution information for the transfer destination account specified as the transfer destination, an account selection unit 55 that selects a transfer source account from among accounts of multiple registered financial institutions to transfer to the transfer destination account based on the financial institution information, and a transfer processing unit 56 that outputs Zengin data including information on the transfer source account selected by the account selection unit 55.

Description

[Technical Field]

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

[0002] Conventionally, there has been known a technique for transmitting money using communication technology such as the Internet. This type of technique is described in, for example, Patent Document 1 and Patent Document 2.

[0003] Patent Document 1 relates to an electronic money remittance program. The electronic money remittance program in Patent Document 1 describes causing a computer to execute the steps of displaying remittance target icons representing electronic money corresponding to a predetermined property value on the display unit of an electronic terminal, and performing remittance processing for the remittance target icon selected by a user through at least one input operation on the operation unit of the electronic terminal.

[0004] Patent Document 2 relates to the processing of a transfer refund accompanied by the return of funds from a financial institution to which a transfer is made. The transfer management system in Patent Document 2 is described as comprising: a storage unit that stores information indicating one or more financial institutions; an acquisition unit that acquires instruction information from a client that instructs how to process the refund amount, which is the funds to be transferred back from the financial institution to which a transfer is made; and a message creation unit that, if the processing method instructed by the instruction information is to deposit the refund amount into an account at the financial institution indicated by the information stored in the storage unit, creates a deposit message requesting the deposit of the refund amount into the account of the financial institution after the return of the refund amount from the financial institution to which the transfer is made. [Prior art documents] [Patent documents]

[0005] [Patent Document 1] Patent No. 6654730 [Patent Document 2] Japanese Patent Publication No. 2021-33879 Summary of the Invention [Problem to be solved by the invention]

[0006] Incidentally, when transferring money between different banks or other financial institutions, fees vary depending on the relationship between the source and destination financial institutions. For example, if the source and destination financial institutions are the same, there will be no transfer fee (since the transfer does not go through the Zengin System, the bank will not charge you any fees, or it will be cheaper than if the transfer is to another bank), but if the source and destination financial institutions are different, you may be charged a transfer fee. The more transfers you make, the greater the impact of fee fluctuations.

[0007] Patent Document 1 describes a technology that simplifies the operation of electronic money transfers, but does not describe a function for adjusting transfer costs between different financial institutions such as banks. Also, Patent Document 2 describes a technology that automates part of the operator's work when depositing refunded funds into an account at another financial institution, but does not describe a function for adjusting transfer costs between different financial institutions.

[0008] On the other hand, the present invention has been made in consideration of such circumstances, and aims to provide an information processing device, a program, and a remittance method that can adjust remittance costs using communication technology between different financial institutions. [Means for solving the problem]

[0009] In order to achieve the above-mentioned object, an information processing device of one embodiment of the present invention comprises a transfer information acquisition unit that acquires financial institution information of a transfer destination account designated as the transfer destination, an account selection unit that selects a transfer source account from among accounts of multiple registered financial institutions to transfer money to the transfer destination account based on the financial institution information, and a transfer processing unit that outputs transfer information including information of the transfer source account selected by the account selection unit. [Effects of the Invention]

[0010] According to the information processing device, program, and remittance method of the present invention, it is possible to adjust the remittance costs using communication technology between different financial institutions. [Brief explanation of the drawings]

[0011] [Figure 1] A schematic diagram showing the user and intermediary business sides of a transfer system to which a management server according to one embodiment of the present invention is applied. [Figure 2] 1 is a schematic diagram showing the bank side of a transfer system to which a management server according to one embodiment of the present invention is applied. [Figure 3] FIG. 2 is a block diagram illustrating a hardware configuration of a management server according to an embodiment of the present invention. [Figure 4] FIG. 2 is a functional block diagram showing a part of the functional configuration of a management server according to an embodiment of the present invention. [Figure 5] FIG. 10 is a schematic diagram illustrating a transfer process according to one embodiment of the present invention. [Figure 6] FIG. 2 is a schematic diagram illustrating an example of an administration website according to an embodiment of the present invention. [Figure 7] FIG. 2 is a schematic diagram illustrating an example of a CSV file in a dedicated format according to an embodiment of the present invention. [Figure 8] FIG. 10 is a schematic diagram illustrating an example of a list of remittance jobs on an administration website according to an embodiment of the present invention. [Figure 9] FIG. 10 is a schematic diagram showing an example of a deposit / withdrawal statement on an administration website according to one embodiment of the present invention. [Figure 10] 10 is a flowchart showing an example of an account selection process in the transfer process according to one embodiment of the present invention. [Figure 11] 10 is a flowchart showing an example of a balance management process in the transfer process according to one embodiment of the present invention. DETAILED DESCRIPTION OF THE INVENTION

[0012] A transfer system S according to one embodiment of the present invention will be described below with reference to Figures 1 and 2. Figure 1 is a schematic diagram showing the user and intermediary business side of the transfer system S to which a management server 1 according to one embodiment of the present invention is applied. Figure 2 is a schematic diagram showing the bank side of the transfer system S to which a management server 1 according to one embodiment of the present invention is applied. Note that the transfer targets in the transfer processing by the transfer system S in this specification are not limited to legal tender, but also include currencies such as electronic money and cryptocurrencies, or points or other items that have similar functions to currencies, and the form is not particularly limited.

[0013] The transfer system S according to this embodiment includes a management server 1, a user terminal 2, and a nationwide bank data communication system (hereinafter referred to as the Zengin system) G. The management server 1 is connected to the user terminal 2 and the Zengin system G via a network N such as the Internet.

[0014] The management server 1 is a computer that provides the management website for executing transfer processing in the transfer system S. The management server 1 receives instructions from users via the management website and executes various processes that can be executed by the transfer system S. Details of the management website will be described later.

[0015] Furthermore, the management server 1 according to this embodiment is provided by, for example, an intermediary business that provides intermediary services for transfers between users and financial institutions. In this embodiment, a user refers to a person who receives the intermediary service. The person is, for example, a corporate member or an individual. Furthermore, in the following, the financial institution according to this embodiment is described as a bank, but is not limited to this. For example, the financial institution may be a post office, a credit union, an agricultural cooperative, or an exchange that handles electronic money, cryptocurrency, etc.

[0016] The user terminal 2 is a second information processing device owned by a user who uses the transfer system S. The user terminal 2 is, for example, a stationary computer such as a desktop PC, or a portable computer such as a smartphone or tablet. The user terminal 2 outputs various processing commands to the management server 1 in response to user operation.

[0017] The Zengin System G is a system that uses communications technology to transfer money between different financial institutions. The Zengin System G is operated by the National Bank Fund Settlement Network (hereinafter referred to as the Zengin Network). The Zengin System G includes a Zengin host computer (not shown) that processes money transfers. The Zengin System G allows money transfers between different financial institutions by sending Zengin data, which includes information such as the sender, recipient, and transfer amount, to the Zengin host computer.

[0018] The network N is realized by, for example, the Internet, a LAN (Local Area Network), a mobile phone network, or a combination of these.

[0019] In the transfer system S according to this embodiment, as shown in Fig. 1, the Zengin format created by the user or the intermediary company's dedicated format is sent to the management server 1 via a web service or dedicated API (Application Programming Interface) accessed by the user terminal 2. The dedicated API is an interface provided by the transfer system S that allows transfer data to be input.

[0020] The Zengin format is a format for Zengin data, and requires the input of information necessary for transfer processing. The dedicated format is a format that requires the input of information necessary for generating Zengin data in the management server 1 according to this embodiment. The management server 1 according to this embodiment can output Zengin data regardless of the format it receives.

[0021] Furthermore, the Zengin data is information required for remittance processing between different financial institutions in the Zengin host computer. In this embodiment, the Zengin format and dedicated format are created by the user on the user terminal 2 and sent to the management server 1, but this is not limiting and they may also be obtained from outside the transfer system S. The Zengin format or dedicated format received by the management server 1 creates a transfer waiting queue in the order in which it was received.

[0022] The management server 1 periodically executes remittance batch processing as shown in Figure 1. For example, the management server 1 processes transfers starting from the Zengin data at the top of the transfer queue, referring to the balance information in the intermediary business's database, and sends it to the bank API provided by the bank's system. The Zengin data as transfer information is sent to the Zengin System G via the bank API. The bank API is an interface provided for accessing the bank's system.

[0023] When Zengin data is sent to Zengin System G, money is transferred from Funds Account 5, into which the user has previously deposited funds, to Destination Account 3 via Source Account 4. Here, Funds Account 5 is an account into which funds are deposited from multiple users who use Transfer System S. Funds transferred from multiple users are managed in the database of Management Server 1 for each user.

[0024] Furthermore, the management server 1 periodically performs balance reflection batch processing. As a result, the management server 1 acquires balance information via the bank API when a transfer to the transfer destination account 3 is completed. The management server 1 reflects the acquired balance information in the balance information of the company account stored in the database. This completes the transfer processing in the transfer system S according to this embodiment. The details of the transfer processing will be described later.

[0025] Furthermore, the transfer system S according to this embodiment is capable of performing charge processing, settlement processing, deposit / withdrawal processing, remittance processing, etc. Charge processing is processing in which electronic money that can be used on the user terminal 2 is added by operating a dedicated app. The dedicated app is application software installed on the user terminal 2, etc., and can output commands for various processes to the management server 1 via the network N. Settlement processing is processing in which payments are made using electronic money by operating the dedicated app on the user terminal 2. Settlement processing includes not only commercial transactions but also tips and donations to sports teams or specific organizations that users support.

[0026] The deposit / withdrawal process is a process of depositing / withdrawing electronic money to / from an account at a financial institution or an ATM by operating a dedicated app on the user terminal 2. The remittance process is a process of remitting electronic money managed by the user terminal 2 or funds deposited in a designated account to another designated account or to the user terminal 2 of another dedicated app user by operating a dedicated app on the user terminal 2.

[0027] The remittance process (transfer process) to an account at a designated financial institution can be performed by operating the dedicated app or by sending the Zengin data and dedicated format created based on the recipient's account information to the management server 1 via an API connection, etc. Details will be provided later.

[0028] The process of transferring money to another dedicated app user can be performed not only by operating the dedicated app, but also by uploading a CSV file or sending data to the management server 1 via an API connection. Furthermore, in the management server 1 of the transfer system S according to this embodiment, SMS (Short Message Service) authentication is performed when using the dedicated app, so a mobile phone number must be registered when registering to start using the dedicated app. Therefore, the management server 1 according to this embodiment stores phone number information for each dedicated app user in the storage unit 45. Therefore, the only information required for a money transfer process between dedicated app users is the dedicated app user's phone number, eliminating the need to enter account information such as an account number. Note that the information required for a money transfer process between dedicated app users in the management server 1 is not limited to this and can be set as appropriate. For example, the management server 1 may execute a money transfer process between dedicated app users based on email address information of the dedicated app users registered in advance.

[0029] Furthermore, the processes executable by the transfer system S are not limited to these, and may be only a part of them, or may include other processes. For example, the management server 1 related to the transfer system S may perform processes to provide a social network service (SNS) that transmits and receives content such as messages, still images, videos, and pictures between terminals connected to the network N. Furthermore, the SNS provided in the processing of the management server 1 may have a function to start the various processes described above.

[0030] <Administration Server> Next, a description will be given of an example of the management server 1. Fig. 3 is a block diagram showing the hardware configuration of the management server 1 according to an embodiment of the present invention.

[0031] As shown in FIG. 3, the management server 1 includes a CPU (Central Processing Unit) 40, a ROM (Read Only Memory) 41, a RAM (Random Access Memory) 42, an input unit 43, an output unit 44, a memory unit 45, a communication unit 46, a power supply unit 47, a bus 48, and an input / output interface 49.

[0032] The CPU 40 executes various processes based on programs recorded in the ROM 41 or programs loaded from the storage unit 45 to the RAM 42. In addition to these programs, the RAM 42 also stores data and the like necessary for the CPU 40 to execute various processes, as appropriate.

[0033] The CPU 40, ROM 41, and RAM 42 are interconnected via a bus 48. An input / output interface 49 is also connected to this bus 48. An input unit 43, an output unit 44, a storage unit 45, a communication unit 46, and a power supply unit 47 are connected to the input / output interface 49.

[0034] The input unit 43 is composed of a keyboard, a mouse, etc., and inputs various information in response to user instructions.

[0035] The output unit 44 is configured with a liquid crystal display or the like, and outputs images or videos corresponding to the image data or video data output by the CPU 40.

[0036] The storage unit 45 is configured with semiconductor memory such as DRAM (Dynamic Random Access Memory) and stores various data. In the transfer system S according to this embodiment, the storage unit 45 is provided with a database that stores user account information, account balance information, and the like.

[0037] The communication unit 46 controls the CPU 40 to communicate with other devices (for example, the user terminal 2 and the Zengin System G) via the network N.

[0038] The power supply unit 47 is configured to be able to supply power to each unit of the management server 1 by being connected to an external power source.

[0039] Next, the functional configuration of the management server 1 will be described with reference to Fig. 4. Fig. 4 is a functional block diagram showing the functional configuration for executing a transfer process, among the functional configurations of the management server 1 in Fig. 3.

[0040] First, we will explain each functional block that executes the transfer process of the management server 1. As shown in Figure 4, the control unit 50 of this embodiment has a communication processing unit 51, an output processing unit 52, an input processing unit 53, a transfer information acquisition unit 54, an account selection unit 55, a transfer processing unit 56, and a usage information management unit 57.

[0041] The communication processing unit 51 performs processing for communicating with external devices. For example, when the communication unit 46 receives transfer data transmitted from the user terminal 2, the communication processing unit 51 transmits the received transfer data to the transfer information acquisition unit 54, which will be described later.

[0042] The output processing unit 52 controls the display of images on the screen of the output unit 44. For example, the output processing unit 52 controls the display of the management website screen stored in the storage unit 45 on the screen of the output unit 44. As a result, the management website screen is displayed on the screen of the output unit 44 of the management server 1 and can be viewed by the intermediary business operator.

[0043] The input processing unit 53 executes a process of accepting operations by the intermediary business operator that are input to the input unit 43. For example, the input processing unit 53 accepts input operations by the intermediary business operator to the input unit 43 for managing the transfer system S and for performing the transfer process described below.

[0044] The transfer information acquisition unit 54 acquires transfer data as financial institution information for the transfer destination account 3 specified as the transfer destination. In this embodiment, the transfer data is contained in a CSV file in a dedicated format, for example, as shown in Figure 7 described below, in which the transfer holder name, transfer date, financial institution code, branch code, account number, account holder name, amount, statement ID, title, etc. are input. The CSV file is a file created by the user. The transfer information acquisition unit 54 acquires transfer data accepted by the communication processing unit 51, for example.

[0045] The account selection unit 55 selects a transfer source account 4 from among a plurality of registered financial institutions based on the transfer destination financial institution included in the transfer data to transfer to the transfer destination account 3. The registered financial institution is the financial institution where the transfer source candidate account is opened.

[0046] Specific examples of selection based on the destination financial institution include a method of making a selection by referring to a table that stores information about fees in the storage unit 45 of the management server 1, or a method of calculating and comparing fees for each account at multiple registered financial institutions for each transfer transaction. The table pre-registers the transfer source accounts 4 corresponding to each of the multiple financial institutions that handle the transaction.

[0047] The account selection unit 55 refers to the table to identify the transfer source account 4 corresponding to the transfer destination financial institution included in the transfer data, and selects the transfer source account 4 for transferring to the transfer destination account 3. In this embodiment, the correspondence between multiple financial institutions and transfer source accounts 4 is set so that the transfer fee is the lowest. However, the correspondence between multiple financial institutions and transfer source accounts 4 can be set appropriately depending on the purpose.

[0048] In addition, in the method of calculating and comparing fees for each transaction, the memory unit 45 stores the transfer originating financial institution and the fee for each transfer amount for each of the multiple financial institutions handled. The account selection unit 55 calculates the fee for each account at multiple registered financial institutions based on the transfer destination financial institution and the transfer amount. The account selection unit 55 compares the calculated fees and determines the transfer originating account 4 with the lowest fee. In this embodiment, this is done so that the transfer fee will be low. However, the selection conditions can be set appropriately depending on the purpose. In this way, the selection conditions can be set appropriately depending on the purpose.

[0049] The transfer processing unit 56 outputs all-bank data based on the selection result of the account selection unit 55. For example, the transfer processing unit 56 generates all-bank data based on the selection result of the account selection unit 55, and instructs the communication processing unit 51 to output the all-bank data to the bank API via the communication unit 46.

[0050] In addition, when the balance information of a first account, which is an account at multiple registered financial institutions, falls below a threshold, the transfer processing unit 56 executes processing to transfer funds from a second account different from the first account to the first account, as shown in Figure 5 described below.

[0051] The usage information management unit 57 can acquire balance information for accounts at multiple registered financial institutions. For example, the usage information management unit 57 acquires balance information for multiple registered financial institutions via a bank API through a balance reflection batch process that is executed periodically, and stores the information in the database of the storage unit 45. Furthermore, the usage information management unit 57 outputs an alert as notification information when the balance of any of the multiple registered financial institutions falls below a predetermined balance. The alert is output to, for example, the management server 1 or the user terminal 2. Note that the timing at which the usage information management unit 57 acquires balance information for multiple registered financial institutions is not limited to the timing of the balance reflection batch process, and may also be, for example, the timing at which an instruction to acquire balance information is input to the input unit 43 by the administrator of the transfer system S.

[0052] Furthermore, the usage information management unit 57 of the management server 1 can store in a database the authorized ID information of users who are allowed to access the management website. When a user accesses the management website, the usage information management unit 57 of the management server 1 compares the accessing user's ID information with multiple pieces of authorized ID information stored in advance in the database, and if there is authorized ID information that matches the accessing user's ID information, it allows the accessing user to access the management website. Furthermore, the usage information management unit 57 of the management server 1 can acquire user information and store the acquired user information, that is, ID information, in the database of the storage unit 45.

[0053] <Transfer processing> Next, the operation of the transfer process executed by the transfer system S according to this embodiment will be explained using Figures 5 to 11. Figure 5 is a schematic diagram explaining the transfer process according to one embodiment of the present invention. Figure 6 is a schematic diagram showing an example of an administration website according to one embodiment of the present invention.

[0054] Fig. 7 is a schematic diagram showing an example of a CSV file in a dedicated format according to one embodiment of the present invention. Fig. 8 is a schematic diagram showing an example of a remittance job list on an administration website according to one embodiment of the present invention. Fig. 9 is a schematic diagram showing an example of a deposit / withdrawal statement on an administration website according to one embodiment of the present invention. Fig. 10 is a flowchart showing an example of an account selection process in the transfer process according to one embodiment of the present invention. Fig. 11 is a flowchart showing an example of a balance management process in the transfer process according to one embodiment of the present invention.

[0055] First, we will explain the flow of a transfer using the transfer system S according to this embodiment. First, as described above, the user inputs transfer data into the management server 1. For example, the transfer data includes the name of the bank, branch, and account number of the transfer destination. Next, the user deposits the transfer source funds into the source funds account 5, which is the designated account designated by the intermediary business operator.

[0056] In this embodiment, the transfer source funds are deposited into the source funds account 5 after the transfer data is sent to the management server 1, but this is not limited to this. For example, the transfer source funds may be deposited into the source funds account 5 at a timing before the transfer data is sent to the management server 1.

[0057] The methods for inputting transfer data into the management server 1 according to this embodiment include creating the transfer data and uploading it to the management screen of the management website, or directly inputting it into the management website. When uploading the transfer data, the transfer data is created in a dedicated format. Alternatively, the transfer data may be input into the management server 1 via a dedicated API, as described above.

[0058] Next, using Figure 5, we will explain the flow of funds in the transfer process by the transfer system S of this embodiment. First, transfer data is sent to the management server 1. The transfer source funds are moved from the source funds account 5 to the transfer source account 4. The transfer source accounts 4 are accounts opened at each of Bank A, Bank B, Bank C, and Bank D shown in Figure 5. The transfer source funds are transferred to the transfer source account 4 of one of Banks A to D during the transfer process. The transfer source accounts 4 of Bank A, Bank B, Bank C, and Bank D are the accounts used as the transfer source when transferring funds to the transfer destination account 3.

[0059] Furthermore, in this embodiment, the source funds account 5 is managed by the intermediary business operator that owns the transfer system S. However, the source funds account 5 may also be an account managed by the user. Furthermore, in the example of the management website shown in Figure 7, the transferred amount (remittable amount) can be confirmed by the user. Furthermore, the transfer system S, which is realized by a computer, has account information set corresponding to each of the accounts at Banks A to D.

[0060] Furthermore, the transfer system S can execute a process for transferring funds between each of the transfer source accounts 4 at banks A to D, and can transfer funds to the identified transfer source account 4. Therefore, when the transfer system S accepts a transfer of funds from a user to a transfer destination account 3, it identifies the transfer source account 4 from among the accounts at banks A, B, C, and D, and transfers the funds to the identified transfer source account 4. For example, if an account at bank A is identified as the transfer source account 4, the transfer system S transfers the necessary funds from each of the accounts at banks B to D to the account at bank A.

[0061] The transfer system S transfers funds to the transfer source account 4 and then executes a transfer process to transfer funds from the transfer source account 4 to the transfer destination account 3. The timing of the transfer of funds between the accounts of banks A to D by the transfer system S is not limited to this, and may be, for example, when a transfer request is received or when the transfer process is completed. In this case, the transfer system S checks the balance of each account at banks A to D to ensure that it is not below a predetermined balance, and transfers funds to accounts with balances below the predetermined balance so that the balance is equal to or greater than the predetermined balance.

[0062] As described above, the transfer system S selects the optimal transfer method as shown in Figure 5 and executes the transfer process. In the example of Figure 5, in order to reduce transfer fees, the transfer source account 4 is set to perform intra-bank transfers using accounts at the same financial institution. For example, for a transfer recipient with an account at Bank B, the transfer process is executed from the transfer source account 4 at Bank B, for a transfer recipient with an account at Bank C, the transfer process is executed from the transfer source account 4 at Bank C, and for a transfer recipient with an account at Bank D, the transfer process is executed from the transfer source account 4 at Bank D. In this way, by executing the transfer process from the transfer source account 4 at the same bank as the designated account of the transfer recipient, the transfer fee in the transfer system S can be reduced to zero.

[0063] There are cases where the transfer system S does not have an account corresponding to the bank of the transfer destination. In the example of Figure 5, one of the transfer destinations does not have a transfer source account 4 at a bank corresponding to Banks A to D, so the transfer system S selects the transfer source account 4 with the lowest transfer fee for that transfer destination. In this embodiment, the transfer system S selects the transfer source account 4 at Bank A, which has the lowest transfer fee, and executes the transfer process from that account. In this case, from the perspective of cost reduction, the transfer source account 4 of a bank with a low transfer fee is selected. Furthermore, in the transfer system S of this embodiment, if there are insufficient funds in the selected transfer source account 4, funds are transferred from another account to the selected transfer source account 4.

[0064] In this way, in the transfer system S according to this embodiment, the transfer source account 4 is specified so that its bank is the same as the bank of the transfer destination account 3. Furthermore, if there is no transfer source account 4 at the same bank as the bank of the transfer destination account 3, the transfer source account 4 is specified as the account with the lowest transfer fee. Details will be given later.

[0065] The transfer source account 4 may be specified by the user. In addition, although the source fund account 5 according to this embodiment is opened separately from the transfer source account 4, they may be shared. In this case, the transfer source fund is transferred in advance to the transfer source account 4 of one of Banks A to D.

[0066] Furthermore, the transfer system S executes a transfer process to the transfer destination account 3 of the remittance receiving company (or individual) based on the transfer data so that the user's name is displayed as the remitter's name. In other words, when the money is deposited into the transfer destination, the remittance receiving company (or individual) can confirm the remittance source information indicating that the transfer was made by the user.

[0067] In addition, users can check the balance deposited in the underlying funds account 5 and the remittable amount on the management website shown in Figure 6. The management website displays, from top left, the remittable amount, the remittance button, the remittance list button, the deposit / withdrawal details button, the settings button, and the management screen transition button. Pressing the remittance button transitions to the transfer data input screen. Pressing the remittance list button transitions to the remittance list screen shown in Figure 8, which will be described later. Pressing the deposit / withdrawal details button transitions to the deposit / withdrawal details screen shown in Figure 9, which will be described later. Pressing the settings button transitions to the settings screen, where the settings of the management website can be changed. Pressing the management screen transition button transitions to the management screen, which is the main menu screen of the transfer system S.

[0068] In addition, the upper right section of Figure 6 displays details of the remittable amount. The left side of the upper right section of Figure 6 displays the balance of the company account, and the right side displays the total amount of the company account balance and the advance payment amount. In the transfer system S of this embodiment, for company accounts registered for the advance payment service, transfer processing can be performed up to the pre-set advance payment amount, even if the amount exceeds the company account balance. In addition, the lower right section of Figure 6 displays the contract terms.

[0069] Furthermore, in the transfer system S of this example, so-called conventional Zengin data can be input as transfer data, as described above. Furthermore, transfer data can be input in a dedicated format or on an administrative website, as described above. The dedicated format is, for example, a CSV file as shown in Figure 7. In the dedicated format, each transfer case is entered on a separate line. Furthermore, each transfer case includes the transfer holder, transfer date, financial institution code, branch code, account number, account holder, amount, statement ID, and title.

[0070] Note that items that need to be entered in the dedicated format, such as the name of the remitter, are not limited to this and can be set arbitrarily. In this embodiment, the CSV file is uploaded to the management website as described above to enter the transfer data. Furthermore, the format of the transfer data entered into the transfer system S may be the Zengin format, in addition to the dedicated format as described above.

[0071] When transfer data is entered, the entered transfer details are displayed in a list of remittance jobs, as shown in Figure 8. In the example of the management website shown in Figure 8, the user can check the remittance history of unapproved jobs, jobs with pending remittances, and jobs after remittances have been made. The management website shown in Figure 8 displays, from the top left, the remittable amount, a remittance button, a remittance list button, an input / output details button, a settings button, and a button to move to the management screen. The functions of each button are the same as those explained in Figure 6, so they will not be explained here.

[0072] On the right side of the administration website shown in Figure 8, the entered transfer data is displayed, from top to bottom: unapproved cases, reserved transfer cases, and transfer history. Also displayed from left to right are the title and number of transfers, the transfer amount and fee, the transfer status, and the transfer processing date. If an error occurs during processing, an error message is displayed.

[0073] In addition, the balance after the transfer process is displayed in the deposit / withdrawal details shown in Figure 9. The management website shown in Figure 9 displays, from the top left, the remittance amount, the transfer button, the transfer list button, the input / output details button, the settings button, and the button to move to the management screen. The functions of each button are the same as those of the buttons explained in Figure 6, so they will not be explained here. On the right side of the management website shown in Figure 9, case information after the transfer process is displayed in rows. Each row displays the processing date and time, deposit / withdrawal type, deposit amount, withdrawal amount, fee, and balance. The deposit / withdrawal type describes the processing details. The fee describes the fee incurred during processing. The balance describes the balance of the company account after the transfer process. Users can check information such as the results of the transfer process and balance in the input / output details of the management website shown in Figure 9.

[0074] Next, the transfer processing according to this embodiment will be described with reference to Figures 10 and 11. Figure 10 is a flowchart illustrating the flow of the account selection processing in the transfer processing according to this embodiment. Figure 11 is a flowchart illustrating the flow of the balance management processing in the transfer processing according to this embodiment.

[0075] The transfer system S also has the function of acquiring transfer data and selecting an account to select the transfer source account 4. That is, the control unit 50 of the management server 1 executes the account selection process. In this embodiment, the account selection process is executed at the timing of the remittance batch process. First, the transfer information acquisition unit 54 acquires information on the financial institution of the transfer destination account 3 from the transfer data in the transfer waiting queue (step S10). Next, the account selection unit 55 selects the transfer source account 4 based on the information on the financial institution of the transfer destination account 3 acquired by referring to the table stored in the memory unit 45 (step S11).

[0076] Next, the transfer processing unit 56 outputs the selected transfer source account 4 (step S12) and ends the process. The control unit 50 of the management server 1 according to this embodiment executes a process of outputting the all-bank data for transferring the money to the transfer destination account 3 of the transfer destination financial institution based on the selection result of the output transfer source account 4.

[0077] Next, the transfer system S executes a balance management process to check whether the balance of the transfer source account 4 falls below a predetermined balance and output notification information to adjust the balance or notify of an insufficient balance. That is, the control unit 50 of the management server 1 executes the balance management process when the transfer process is executed. In this embodiment, the balance management process is executed when the transfer process is executed. However, the timing of executing the balance management process is not limited to this. For example, the balance management process may be executed before the transfer process.

[0078] First, the usage information management unit 57 acquires balance information for multiple transfer source accounts 4 and checks whether any of the selected accounts have no balance or a balance below a predetermined balance (step S21). If none of the selected accounts have no balance or a balance below the predetermined balance (step S21: NO), the processing proceeds to step S25. If any of the selected accounts have no balance or a balance below the predetermined balance (step S21: YES), the usage information management unit 57 checks whether any of the unselected accounts have a balance (step S22).

[0079] If any of the unselected accounts has a balance (step S22: YES), the transfer processing unit 56 adjusts the balance by transferring funds from the account with a balance to the account with no balance or with a balance below the threshold (step S23), and then proceeds to step S25. If no of the unselected accounts has a balance (step S22: NO), the usage information management unit 57 outputs notification information informing of an insufficient balance (step S24), and then proceeds to step S25.

[0080] Next, the control unit 50 checks whether the transfer process has been completed (step S25). If the transfer process has been completed, the control unit 50 ends the balance adjustment process (step S25: YES). If the transfer process has not been completed, the control unit 50 transitions the process to step S21 (step S25: NO). Note that, although the balance adjustment process according to this embodiment performs balance adjustment and output of notification information, it may be configured to perform only one of them.

[0081] Furthermore, the management server 1 as an information processing device that realizes the transfer system S of this embodiment, the program, and the remittance method have account information on accounts at multiple banks, and select an account at a financial institution that will be the source of the transfer process based on the financial institution designated as the transfer destination. The management server 1 as an information processing device executes the transfer process so that the source account is an account at the same financial institution or a financial institution with a low transfer fee, in order to reduce transfer fees.

[0082] From the above, the management server 1 of this embodiment comprises a transfer information acquisition unit 54 that acquires financial institution information of the transfer destination account specified as the transfer destination, an account selection unit 55 that selects a transfer source account 4 for transferring money to the transfer destination account from among the accounts of multiple registered financial institutions based on the financial institution information, and a transfer processing unit 56 that outputs all-bank data including information on the transfer source account 4 selected by the account selection unit 55.

[0083] Therefore, according to the present invention, it is possible to provide an information processing device, a program, and a remittance method that adjust the remittance costs between different financial institutions. Also, since the deposit source account is registered in advance, the time and effort required for deposit processing is reduced, making it possible to perform the deposit processing more easily.

[0084] In addition, the account selection unit 55 of the management server 1 in this embodiment calculates the transfer fee to the destination account 3 based on financial institution information, and selects as the source account 4 the account from among the accounts of multiple registered financial institutions that has no or the lowest transfer fee.

[0085] As a result, the management server 1 according to this embodiment can perform remittances such as transfers between different financial institutions at lower costs.

[0086] Furthermore, the management server 1 according to this embodiment executes a process for outputting notification information when there is an account with a balance below a predetermined balance among the accounts at a plurality of registered financial institutions.

[0087] This allows users and intermediary businesses to notice and deal with the insufficient balance in the transfer source account 4 more quickly, allowing transfer processing to be carried out in a more timely manner.

[0088] In addition, the transfer processing unit 56 of the management server 1 in this embodiment executes processing to transfer funds from a second account different from the first account to the first account when the balance of a first account, which is an account at multiple registered financial institutions acquired by the usage information management unit 57, falls below a threshold.

[0089] This allows the transfer processing unit 56 to automatically deal with any insufficient balance in the transfer source account 4, thereby preventing the transfer process from being interrupted due to insufficient balance.

[0090] In the transfer system S according to this embodiment, the transfer source funds are deposited into the source funds account 5 before the transfer process, and so a process for confirming the deposit of the transfer source funds is carried out before the transfer process. However, this is not limited to this. For example, the transfer system S may carry out the transfer process without confirming the deposit of the transfer source funds if the storage unit 45 stores user information registered as a user who will make a transfer on behalf of the user, and the user information is confirmed when the transfer data is received and the user is registered as a user who will make a transfer on behalf of the user. In this case, the transferred source funds are deposited in a lump sum into the source funds account 5, for example, the following month.

[0091] Furthermore, the transfer system S according to this embodiment may have a function to select another transfer source account 4 and perform the transfer process if the transfer process cannot be performed from the selected transfer source account 4 due to a problem on the bank side, such as maintenance time. Even in this case, it is preferable to select a transfer source account 4 that has no or low transfer fees.

[0092] It should be noted that the transfer system S does not necessarily have to select an account so that the transfer fee is 0 or the lowest. For example, the transfer system S may set a condition to select an account so that the transfer fee is high.

[0093] Furthermore, the control unit 50 of the management server 1 according to this embodiment may execute a process of approving the transfer process based on the transfer data acquired by a plurality of approvers before the transfer process starts.

[0094] Although one embodiment of the present invention has been described above, the present invention is not limited to the above-described embodiment, and modifications, improvements, etc. within the scope of achieving the object of the present invention are included in the present invention.

[0095] In addition, the functional configuration in this embodiment is realized by a processor that executes arithmetic processing, and processors that can be used in this embodiment include those that are composed of various processing devices alone, such as single processors, multiprocessors, and multicore processors, as well as those that combine these various processing devices with processing circuits such as ASICs (Application Specific Integrated Circuits) and FPGAs (Field-Programmable Gate Arrays).

[0096] For example, the above-described series of processes can be executed by hardware or software. In other words, the functional configuration and its description in FIG. 4 are merely illustrative and are not particularly limited. That is, it is sufficient for the system to have the function of executing the above-described series of processes as a whole, and the type of functional block used to realize this function is not particularly limited to the example in FIG. 4. Furthermore, the locations of the functional blocks are not particularly limited to those in FIGS. 3 and 4 and may be arbitrary. Furthermore, one functional block may be configured as a single piece of hardware, a single piece of software, or a combination thereof.

[0097] When a series of processes is executed by software, the programs constituting the software are installed onto a computer or the like from a network or a recording medium. The computer may be a computer incorporated into dedicated hardware. The computer may also be a computer capable of executing various functions by installing various programs, such as a server, a general-purpose smartphone, or a personal computer.

[0098] The recording medium containing such a program may be composed of not only a removable medium (not shown) that is distributed separately from the device main body in order to provide the program to users, etc., but also a recording medium that is provided to users, etc. in a state where it is pre-installed in the device main body.

[0099] In this specification, the steps describing the program to be recorded on the recording medium include not only processes that are performed in chronological order, but also processes that are not necessarily performed in chronological order but are performed in parallel or individually.

[0100] In addition, in this specification, the term "system" refers to an overall device that is made up of a plurality of devices, a plurality of means, etc.

[0101] In other words, the information processing device to which the present invention is applied is sufficient as long as it has the following configuration, and can take various forms. That is, the information processing device, program, and remittance method to which the present invention is applied are sufficient as long as they have configurations and steps that can provide some or all of the features described above. This makes it possible to adjust the cost of remittances using communication technologies between different financial institutions. [Explanation of symbols]

[0102] 3. Transfer account 4. Transfer account 54 Transfer Information Acquisition Department 55 Account Selection Section 56 Transfer Processing Unit

Claims

1. a transfer information acquisition unit that acquires financial institution information of a transfer destination account designated as a transfer destination; Calculating a transfer fee for transferring money from each of the accounts of the plurality of registered financial institutions to the transfer destination account based on the financial institution information and pre-stored information on transfer fees for each of the plurality of registered financial institutions; Selecting a transfer source account from among the accounts of the plurality of registered financial institutions based on a transfer fee for each of the accounts of the plurality of registered financial institutions and a determination of whether transfer processing to each of the accounts of the plurality of registered financial institutions is possible due to a maintenance time or a problem on the side of the registered financial institution. an account selection unit; a transfer processing unit that outputs transfer information including information on the transfer source account selected by the account selection unit; An information processing device comprising:

2. The information processing device according to claim 1 , wherein the account selection unit selects, as the transfer source account, an account with no or the lowest transfer fee from among the accounts of the plurality of registered financial institutions.

3. The information processing device according to claim 1 , wherein if there is an account with a balance below a predetermined balance among the accounts at the plurality of registered financial institutions, a process for outputting notification information is executed.

4. The information processing device described in claim 1 or 3, wherein the transfer processing unit executes processing to transfer funds from a second account different from the first account to the first account when the balance of a first account among the accounts of the multiple registered financial institutions falls below a threshold.

5. A transfer information acquisition function that acquires financial institution information for the transfer destination account specified as the transfer destination; Calculating a transfer fee for transferring money from each of the accounts of the plurality of registered financial institutions to the transfer destination account based on the financial institution information and pre-stored information on transfer fees for each of the plurality of registered financial institutions; Selecting a transfer source account from among the accounts of the plurality of registered financial institutions based on a transfer fee for each of the accounts of the plurality of registered financial institutions and a determination of whether transfer processing to each of the accounts of the plurality of registered financial institutions is possible due to a maintenance time or a problem on the side of the registered financial institution. Account selection function, a transfer processing function for outputting transfer information including information on the transfer source account selected by the account selection function; A program that makes the computer realize the above.

6. A remittance method executed by an information processing device, a transfer information acquisition step for acquiring financial institution information of a transfer destination account designated as the transfer destination; Calculating a transfer fee for transferring money from each of the accounts of the plurality of registered financial institutions to the transfer destination account based on the financial institution information and pre-stored information on transfer fees for each of the plurality of registered financial institutions; Selecting a transfer source account from among the accounts of the plurality of registered financial institutions based on a transfer fee for each of the accounts of the plurality of registered financial institutions and a determination of whether transfer processing to each of the accounts of the plurality of registered financial institutions is possible due to a maintenance time or a problem on the side of the registered financial institution. Account selection step, a transfer processing step of outputting transfer information including information on the transfer source account selected by the account selection step; Remittance methods, including.

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