Information processing device, information processing method, and information processing program

Abstract

To increase convenience of users making cashless remittance.SOLUTION: An information processing device according to the present application includes a determination part and a provision part. When receiving code reading information including a remittance flag as a processing request from a user, the determination part determines whether or not a remittance destination identified by remittance destination identification information included in the code reading information is subject to a deduction system, based on the remittance destination identification information. When the determination part determines that the remittance destination is subject to the deduction system, the provision part provides the user with a first screen on which information representing that the remittance destination is subject to the deduction system is displayed.SELECTED DRAWING: Figure 6

Description

Technical Field

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

Background Art

[0002] In recent years, methods for making cashless transfers of donations in the event of disasters and offerings to temples and shrines, etc., have begun to be proposed, moving away from using cash such as banknotes and coins. Also, in recent years, fundraising through networks such as crowdfunding has become widely recognized, and it is commonly assumed that transfers will be made from individuals to specific groups in daily life.

[0003] Regarding transfers for the purpose of donations, for example, technologies aimed at promoting donation acts to schools and technologies for uniformly processing donations for the purpose of reducing the burden on the recipient group and the donor have been proposed.

Prior Art Documents

Patent Documents

[0004]

Patent Document 1

Patent Document 2

Summary of the Invention

Problems to be Solved by the Invention

[0005] However, there is room for improvement in the conventional technology in enhancing the convenience of users who make cashless transfers. For example, donations made by an individual to a predetermined recipient can receive preferential tax measures such as income tax deductions and tax amount deductions. However, with the conventional technology, when a user makes a donation transfer, it is not possible to easily confirm whether the recipient is eligible for the deduction system, and the user has to conduct investigations beforehand. Also, when a user is eligible for the deduction system, it takes a fair amount of effort to prepare the documents required for the application.

[0006] This application was made in view of the above, and aims to provide an information processing device, an information processing method, and an information processing program that can improve the convenience of users who make cashless remittances. [Means for solving the problem]

[0007] The information processing device according to the present application comprises a determination unit and a provision unit. When the determination unit receives code reading information including a remittance flag as a processing request from a user, it determines, based on the remittance destination identification information contained in the code reading information, whether or not the remittance destination identified by the remittance destination identification information is subject to the deduction system. If the determination unit determines that the remittance destination is subject to the deduction system, the provision unit provides the user with a first screen displaying information indicating that the remittance destination is subject to the deduction system. [Effects of the Invention]

[0008] According to one embodiment of the system, it has the effect of improving the convenience of users who make cashless remittances. [Brief explanation of the drawing]

[0009] [Figure 1] Figure 1 is a diagram showing an overview of the processes that form the basis of the information processing according to this embodiment. [Figure 2] Figure 2 is a diagram illustrating the overview of the information processing according to this embodiment. [Figure 3] Figure 3 shows an example of a remittance destination database according to this embodiment. [Figure 4] Figure 4 shows an example of a database for sending deduction certificates according to this embodiment. [Figure 5] Figure 5 shows an example of screen transitions in the terminal device according to this embodiment. [Figure 6] Figure 6 is a block diagram showing an example configuration of the information processing device according to this embodiment. [Figure 7]Figure 7 shows an overview of the remittance destination database according to this embodiment. [Figure 8] Figure 8 shows an overview of the database for sending deduction certificates according to this embodiment. [Figure 9] Figure 9 shows an overview of the remittance history database according to this embodiment. [Figure 10] Figure 10 is a flowchart showing an example of the processing procedure of the information processing device according to this embodiment. [Figure 11] Figure 11 is a hardware configuration diagram showing an example of a computer that implements the functions of the information processing device according to this embodiment or a modified example. [Modes for carrying out the invention]

[0010] The following describes in detail, with reference to the drawings, an embodiment for implementing the information processing device, information processing method, and information processing program according to the present application (hereinafter referred to as "this embodiment"). Note that this embodiment does not limit the information processing device, information processing method, and information processing program according to the present application. Furthermore, the same parts are denoted by the same reference numerals in each of the following embodiments, and redundant descriptions are omitted.

[0011] [1. An example of processing that forms the basis of the information processing according to this embodiment] The following describes an example of the processing that serves as a prerequisite for the information processing according to this embodiment. Figure 1 is a diagram showing an overview of the processing that serves as a prerequisite for the information processing according to this embodiment. Note that the prerequisite processing described below and the information processing according to this embodiment are executed in the SYS information processing system, which has the same configuration.

[0012] As shown in Figure 1, the information processing system SYS according to this embodiment includes a terminal device 10 and an information processing device 100. Note that Figure 1 shows an example of the information processing system SYS according to this embodiment, and other terminal devices not shown in Figure 1 may be included.

[0013] The terminal device 10 and the information processing device 100 are connected to a network N (for example, see FIG. 6) by wire or wirelessly. The terminal device 10 and the information processing device 100 can communicate with each other through the network N.

[0014] The terminal device 10 shown in FIG. 1 is an information processing terminal used by a user U who is a user of an electronic payment service provided by the information processing device 100. A typical example of the terminal device 10 is a smartphone, but it may also be realized by a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. In the example of FIG. 1, a smartphone is shown as the terminal device 10. In the following description, the terminal device 10 may be referred to by substituting the user U. That is, the user U can be read as the terminal device 10. Also, in the following description, a user of an electronic payment service provided by the information processing device 100 may be simply referred to as a "user".

[0015] The terminal device 10 also has a communication unit for connecting to the network N via a wireless communication network such as LTE (Long Term Evolution), 4G (4th Generation), 5G (5th Generation: the 5th generation mobile communication system), or a short-range wireless communication such as Bluetooth (registered trademark) or wireless LAN (Local Area Network). Thereby, the user U can operate the terminal device 10 to access the information processing device 100 and use the electronic payment service provided by the information processing device 100.

[0016] The terminal device 10 can display information for using the electronic payment service provided by the information processing device 100 by means of a web browser or an application. At this time, when the terminal device 10 receives control information from the information processing device 100 for realizing information display processing by means of a web browser or an application or the like, it realizes the display processing according to the received control information.

[0017] The information processing apparatus 100 shown in FIG. 1 provides an electronic payment service to the user U. The information processing apparatus 100 is typically a server apparatus, but may be realized by a mainframe, a workstation, or the like. When the information processing apparatus 100 is realized by a server apparatus, it may be realized by a single server, or may be realized by a cloud system in which a plurality of server apparatuses and a plurality of storage apparatuses cooperate to operate.

[0018] Note that the information processing apparatus 100 may function as a distribution apparatus that distributes control information to the terminal device 10 used by the user U. Here, the control information is described by, for example, a script language such as JavaScript (registered trademark) or a style sheet language such as CSS (Cascading Style Sheets). Note that the application itself distributed from the information processing apparatus 100 may be regarded as control information.

[0019] Here, prior to the information processing according to the embodiment, an example of settlement (electronic settlement) using the terminal device 10 will be described. In the following description, an example in which the user U performs settlement using the terminal device 10 using a two-dimensional code (QR code (registered trademark)) arranged in a store or the like that is a franchise of an electronic payment service and indicating store identification information for identifying the store will be described. However, the embodiment is not limited to this. The example of settlement described below is applicable to any case where an arbitrary user performs settlement at an arbitrary store using an arbitrary terminal device. Further, the store identification information may be not only a QR code (registered trademark) but also a barcode, a predetermined mark, a number, or the like.

[0020] For example, when user U makes a payment for using or purchasing various goods or services at a store, user U launches a payment application (payment app) installed on terminal device 10. The user then takes a picture of the store identification information installed at the store via the payment app. In this case, terminal device 10 displays a screen for entering the price of the payment item and accepts the payment amount from user U or the store employee. Terminal device 10 then transmits payment information to information processing device 100, including user identification information that identifies user U, store identification information (or information indicated by the store identification information, i.e., information indicating the store (e.g., store ID)), and the payment amount.

[0021] In such cases, the information processing device 100 transfers the amount of electronic money indicated by the payment amount from the account of user U, indicated by the user identification information, to the account of the store, indicated by the store identification information. The information processing device 100 then sends a notification to the terminal device 10 that the payment has been completed. In such cases, the terminal device 10 notifies that the payment has been made using electronic money by displaying a screen or outputting a predetermined sound indicating that the payment has been completed.

[0022] It should be noted that payment using terminal device 10 is not limited to the process described above. For example, payment using terminal device 10 may also be made using a store terminal installed in the store. For example, terminal device 10 displays user identification information on its screen to identify user U. In such a case, the store terminal installed in the store reads the user identification information displayed on terminal device 10 and transmits payment information to information processing device 100, which includes the user identification information (or the information indicated by the user identification information, i.e., information indicating user U (e.g., user ID)), the payment amount, and information identifying the store. In such a case, information processing device 100 transfers the amount of electronic money indicated by the payment amount from user U's account, indicated by the user identification information, to the store's account, and may notify the store's store terminal or terminal device 10 that payment has been completed by displaying a screen or outputting a predetermined sound indicating that payment has been completed.

[0023] Furthermore, payment using the terminal device 10 may involve not only transferring electronic money from an account where user U has pre-charged electronic money to the store's account, but also, for example, payment using a credit card that user U has registered in advance. In such a case, for example, the terminal device 10 may transfer the electronic money amount of the payment to the store's account and also bill the credit card company of user U for the payment amount.

[0024] Furthermore, the payment methods and services described above are not limited to those for the purchase of goods or the provision of services (settlement of debts). For example, as described above, payment methods and services may have functions related to transfers between accounts held by multiple users. In other words, the payment methods and services described above are services that control the sending and receiving of electronic money between accounts of any owner linked to the owner of the electronic money, such as User U or a store. That is, the payment methods and services according to the embodiment may be provided in any form as long as they are transaction methods or transaction services that perform various controls to realize the exchange of electronic money (not only various inter-account transfer controls via electronic money, but also controls related to exchanges between electronic money accounts and bank accounts, various debt processing such as installment payments and bonus payments, and various other controls related to the exchange of assets including electronic money). Moreover, the various controls realized by such transaction methods and transaction services may include both settlement controls and transfer controls. In other words, "transaction" is a concept that includes not only "settlement" of electronic money, but also "transfer" of electronic money and various other processing. In other words, the information processing device 100 may be an information processing device that implements a transaction means for controlling the exchange of electronic money between any two owners.

[0025] Furthermore, the information processing device 100 shown in Figure 1 provides corporate account services for corporations. Corporate account services are used when corporations utilize various services related to domestic foreign exchange transactions. In corporate account services, the corporate account provided by the information processing device 100 to business operator X includes, for example, a main wallet and a sub-wallet.

[0026] The main wallet is linked to a financial institution account designated in advance by business operator X. For example, business operator X can deposit funds through this main wallet to be used for transactions of various services that business operator X has registered to use in advance. Also, for example, business operator X can withdraw funds that have not been used for transactions of various services through this main wallet. Sub-wallets are linked to various services that business operator X has registered to use in advance. Balances transferred from the main wallet to the sub-wallets are used for transactions of various services.

[0027] Furthermore, as a prerequisite for the information processing according to this embodiment, the information processing device 100 can efficiently execute processing related to digital money such as electronic money by distributing processing requests from user U to appropriate processing. The processing that is a prerequisite for the information processing according to this embodiment will be described in detail below, following the flow that is expected when this processing is carried out. In the following description, it is assumed that business operator X has entered into a merchant agreement as a merchant of the electronic payment service and a corporate account service with a business operator that operates the electronic payment service and corporate account service, and has also entered into a user agreement for the corporate account service. In other words, business operator X can be said to be a service user that has a predetermined contractual relationship with a business operator that operates the electronic payment service and corporate account service.

[0028] For example, user U operates terminal device 10 to read code information Q, which is a two-dimensional code associated with business operator X, and sends a processing request corresponding to code information Q to information processing device 100. The code information Q shown in Figure 1 is associated with either payment or remittance processing. Code information Q is configured to be readable using terminal device 10 when user U sends a processing request. If code information Q is code information for the purpose of payment, it is envisioned to be installed in stores that are affiliated with electronic payment services. If code information Q is code information for the purpose of remittance such as donations or offerings, it is envisioned to be placed in fundraising venues, temples and shrines, or designated websites for fundraising such as crowdfunding. The processing request sent from terminal device 10 to information processing device 100 includes request identification information to identify the processing content corresponding to the processing request. For example, request identification information is pre-embedded within the code when code information Q is written.

[0029] The information processing device 100 performs a sorting process (step S1) to distribute the processing request received from user U to either a settlement process or a remittance process. For example, the information processing device 100 distributes the processing based on the processing request to either a settlement process or a remittance process based on the request identification information included in the processing request from user U.

[0030] Furthermore, if the information processing device 100 assigns a processing request to settlement processing, it executes the settlement processing according to the content of the processing request (step S2-1). If the settlement processing is completed successfully, the information processing device 100 accepts the deposit of electronic money equivalent to the settlement amount through the payment service-compatible wallet provided to business operator X based on the conclusion of the merchant agreement for the electronic payment service. Then, at a predetermined timing in accordance with the merchant agreement, the information processing device 100 pays the balance of the payment service-compatible wallet to a financial institution account that business operator X has designated in advance as the recipient of the transfer.

[0031] Furthermore, if the information processing device 100 assigns a processing request to a remittance process, it executes the remittance process according to the content of the processing request (step S2-2). If the remittance process is successfully completed, the information processing device 100 accepts the deposit of electronic money equivalent to the remittance amount through the sub-wallet for the remittance service linked to the corporate account of business operator X. The information processing device 100 then adds the balance of the sub-wallet compatible with the remittance service to the balance of the main wallet held by the corporate account as funds received by business operator X. Then, at a predetermined timing in accordance with the corporate account service agreement, the information processing device 100 pays the balance of the corporate wallet to a financial institution account that business operator X has designated in advance as the recipient of the transfer.

[0032] In this way, the information processing device 100 according to this embodiment can distribute processing requests from user U to appropriate processing, and can efficiently execute processing related to digital money services such as electronic money. Furthermore, the information processing device 100 according to this embodiment can provide user U with a service that processes payment processing and remittance processing on the same platform.

[0033] [2. An example of information processing according to this embodiment] An example of information processing according to this embodiment will be described below. Figure 2 is a diagram showing an overview of the information processing according to this embodiment. In the prerequisite processing described above, when a processing request from user U is assigned to remittance processing, the information processing according to this embodiment provides information indicating that the recipient is eligible for the deduction system. As a result, the information processing device 100 according to this embodiment can enhance the convenience for user U who makes cashless remittances.

[0034] For example, user U can easily perform electronic payment or money transfer by reading code information Q using a payment application installed on terminal device 10. The money transfer function may be pre-installed as a mini-application running within the payment application which functions as a super application, or it may be provided as a separate application program.

[0035] The information processing according to this embodiment will be described in detail below, following the expected flow when this information processing is carried out. In the following description, we will explain the case in which user U uses a payment application to send a donation using digital money such as electronic money or cryptocurrency to a specific recipient. However, the information processing according to this embodiment is not particularly limited to this example and can be applied to various cashless transfers using digital money.

[0036] For example, user U operates terminal device 10 to read code information Q1 (step S11). Code information Q1 is pre-generated in information processing device 100 in response to a request from a legal entity such as a company or organization. For example, code information Q1 is composed of a two-dimensional code such as a QR code (registered trademark) and functions as a means of receiving a remittance request from user U. Note that code information Q1 is just one example of a means of receiving a remittance request from user U, and any means capable of receiving a remittance request from user U can be adopted. Code information Q1 contains information for making remittances for a predetermined purpose, linked to a corporate account provided to a legal entity such as a company or organization using corporate services, with these legal entities as the recipient. For example, code information Q1 contains information for accessing a remittance screen (web page) that has been pre-prepared for each project launched by a legal entity for fundraising activities. For example, the information described in code information Q1 includes recipient identification information to identify the recipient and a remittance flag to indicate that it is a remittance request.

[0037] The terminal device 10 transmits the code reading information read from the code information Q1 to the information processing device 100 as a processing request to the information processing device 100 (step S12). For example, the code reading information includes recipient identification information to identify the recipient, a remittance flag indicating that it is a remittance request (corresponding to the "request identification information" mentioned above), and sender identification information to identify the sender (user U). For example, the sender identification information may include a user ID (for example, U#000) that is individually assigned to user U using the electronic payment service.

[0038] If the code reading information received from the terminal device 10 includes a remittance flag, the information processing device 100 recognizes that it is a remittance process and retrieves remittance information from the remittance destination database 121 and the deduction certificate sending method database 122 based on the remittance destination identification information included in the code reading information (step S13).

[0039] Figure 3 shows an overview of the remittance destination database 121 provided by the information processing device 100. Figure 3 is a diagram showing an example of the remittance destination database 121 according to this embodiment. As shown in Figure 3, the remittance destination database 121 has items such as "remittance destination identification information", "remittance destination", "remittance destination display name", "deduction flag", "deduction details / corresponding system", "remittance amount", "1 unit setting", "1 unit amount", and "method of sending deduction certificate".

[0040] The "Recipient Identification Information" field stores unique identification information that is individually assigned to recipients such as companies and organizations. The "Recipient" field stores the name of the recipient company or organization. The "Recipient Display Name" field stores the name of the recipient that will be displayed on the terminal device 10. In the example shown in Figure 3, "A Fundraising" is shown as the information stored in the "Recipient Display Name" field.

[0041] The "Deduction Flag" field stores information indicating whether the recipient is eligible for a deduction system. In the example shown in Figure 3, "ON" is stored in the "Deduction Flag" field. "ON" is an example of information indicating that the recipient is eligible for a deduction system. The "Deduction Details / Corresponding System" field stores information indicating the details of the deduction applicable to the recipient and the corresponding tax system. In the example shown in Figure 3, "Donation Deduction" is shown as the information indicating the details of the deduction applicable to the recipient, and "Income Deduction" is shown as the corresponding tax system. Note that the "Deduction Details / Corresponding System" field may store information indicating general principles. For example, for certain donations related to political activities, donations to certified NPOs, and donations to public interest corporations, "Special Donation Deduction" may be stored as the deduction details and "Tax Credit" as the corresponding tax system, instead of an income deduction.

[0042] The "Transferable Amount" field stores information indicating the maximum amount that can be transferred, as set by the recipient company or organization. In the example shown in Figure 3, the transferable amount stored in the "Transferable Amount" field is shown as a minimum of 100 yen and a maximum of 1,000,000 yen. The "Unit Setting" field stores information indicating whether the recipient company or organization has set up the acceptance of transfers in units of one. The "Unit Amount" field contains information indicating the amount to be transferred per unit if the acceptance of transfers in units of one is set up. In the example shown in Figure 3, it is shown that the unit setting is not enabled.

[0043] The "Method of Sending Deduction Certificates" field stores information indicating how the deduction certificates (receipts or deposit slips) required for user U, the sender of the funds, to be eligible for the deduction system are to be sent. In the example shown in Figure 3, "Mail" is indicated as the method of sending the deduction certificates stored in the "Method of Sending Deduction Certificates" field.

[0044] Furthermore, if user U, the sender of the remittance, wishes to receive a tax deduction certificate, the information processing device 100 obtains the items of personal information that need to be shared with the recipient from the tax deduction certificate sending method database 122. Figure 4 shows an overview of the tax deduction certificate sending method database 122 according to this embodiment. Figure 4 is a diagram showing an example of the tax deduction certificate sending method database 122 according to this embodiment.

[0045] As shown in Figure 4, the deduction certificate delivery method database 122 has two items: "Deductible Certificate Delivery Method" and "Items Linked During Account Linking". The "Deductible Certificate Delivery Method" item stores information indicating the delivery method of the deduction certificate. The "Items Linked During Account Linking" item stores information indicating the items of personal information that will be linked to the recipient when consent is given to sharing personal information when sending the deduction certificate.

[0046] In the example shown in Figure 4, if the method of sending the deduction certificate is "by mail," the personal information items that need to be shared with the recipient of the remittance are listed as "name, telephone number, and address."

[0047] The information processing device 100 determines whether the recipient identified by the recipient identification information is eligible for the deduction system, based on the recipient identification information contained in the code reading information received from the terminal device 10. If the information processing device 100 determines that the recipient is eligible for the deduction system, it provides the user U with a remittance amount input screen W1 that displays information indicating that the recipient is eligible for the deduction system.

[0048] Specifically, based on the recipient identification information, the information processing device 100 refers to the information stored in the recipient database 121 in the fields of "Recipient," "Recipient Display Name," "Deduction Flag," "Deduction Details / Applicable System," "Remittable Amount," "Setting per Unit," and "Amount per Unit," which are associated with the recipient identification information, and obtains the name of the recipient, the recipient display name, information indicating whether the recipient is eligible for the deduction system, and the remittable amount. Furthermore, if the recipient is eligible for the deduction system (the deduction flag is "ON"), the information processing device 100 obtains information from the deduction certificate sending method database 122 regarding the items of personal information that will be shared with the recipient if the recipient consents to the sharing of personal information when sending the deduction certificate. Finally, the information processing device 100 transmits each of the obtained pieces of information to the terminal device 10 as recipient information (step S14).

[0049] When terminal device 10 receives remittance information from information processing device 100, it displays a remittance amount input screen W1 (an example of the "first screen") (step S15). In response to an operation on the remittance amount input screen, terminal device 10 displays a consent screen W2 (an example of the "second screen") to ask whether the user consents to sharing personal information with the remittance recipient when sending a deduction certificate from the recipient (step S16). In response to an operation on consent screen W2, terminal device 10 displays a remittance acceptance screen W3 (an example of the "third screen") (step S17). Then, in response to an operation on remittance acceptance screen W3, terminal device 10 sends a remittance instruction to the information processing device 100 (step S18).

[0050] When the information processing device 100 receives a remittance instruction from the terminal device 10, it executes the remittance process according to the received remittance instruction (step S19). For example, a remittance request includes remittance source identification information indicating the remittance source, information indicating the remittance amount, a business ID for identifying the business representing the remittance destination, and a code ID for identifying the project mentioned above. For example, the remittance source identification information may include a user ID (for example, U#000) that is individually assigned to user U using the electronic payment service. The remittance process will be briefly described below.

[0051] When the information processing device 100 receives a remittance request from user U, it adds the electronic money equivalent to the remittance amount to the balance of the sub-wallet corresponding to the recipient business's project: "Fundraising A". For example, the information processing device 100 adds an amount equivalent to the remittance amount to the balance of the sub-wallet linked to the business ID and code ID included in the remittance request. Subsequently, at a predetermined timing, the information processing device 100 transfers the balance of the sub-wallet to business M's main wallet. Then, at a predetermined timing, the information processing device 100 pays the balance of the main wallet to business M's bank account.

[0052] Then, when the transmission process is successfully completed, the information processing device 100 sends a remittance completion notification to the terminal device 10 (step S20).

[0053] The screen transitions in the terminal device 10 will be specifically explained below using Figure 5. Figure 5 is a diagram showing an example of screen transitions in the terminal device 10 according to this embodiment. When the recipient information is received from the information processing device 100, the terminal device 10 displays the remittance amount input screen W1 shown in Figure 5 (step S31). The remittance amount input screen W1 shown in Figure 5 displays the recipient information J1 included in the recipient information received from the information processing device 100. For example, the recipient information J1 includes the name of the recipient company or organization (for example, "xxxx") and the recipient display name (for example, "A Fundraising").

[0054] Furthermore, if the recipient information received from the information processing device 100 includes information indicating that the recipient is eligible for the tax deduction system, the remittance amount input screen W1 shown in Figure 5 will display label information J2 indicating that the recipient is eligible for the tax deduction system. For example, label information J2 may include details of the deduction (e.g., "donation deduction"). Label information J2 may be assigned according to the recipient, or according to the address of the remitter, user U2.

[0055] Furthermore, the remittance amount input screen W1 shown in Figure 5 displays information J3 indicating the maximum remittance amount included in the recipient information, associated with the input area for the remittance amount. In the example shown in Figure 5, the information J3 indicating the maximum remittance amount is "Enterable between 100 and 1,000,000". Note that the information processing device 100 is not limited to providing user U with a remittance amount input screen W-1 in which user U can freely enter an amount within the range of minimum and maximum amounts set by the recipient business. For example, the information processing device 100 may provide user U with a remittance amount input screen W-1 in which user U can enter an amount in remittance units (units and amounts per unit) set by the recipient business.

[0056] Furthermore, the remittance amount input screen shown in Figure 5 is provided with a button B1 for user U to operate when proceeding to the next step in the remittance process. When user U operates button B1 on the remittance amount input screen shown in Figure 5, a consent screen W2 is displayed on the terminal device 10 (step S32). The consent screen W2 displays information J4 indicating the items of personal information that will be shared with the recipient if the user consents to the sharing of personal information when sending the deduction certificate.

[0057] Furthermore, the consent screen W2 shown in Figure 5 includes a button B2 for user U to operate if they consent to sharing personal information with the recipient of the remittance, and a button B3 for user U to operate if they do not consent to sharing personal information with the recipient of the remittance.

[0058] For example, when button B2 on the consent screen W1 shown in Figure 5 is operated, the terminal device 10 displays a remittance acceptance screen W3-1 in which personal information has been automatically entered into the designated input fields for entering personal information. On the other hand, for example, when button B3 on the consent screen W2 shown in Figure 5 is operated, the terminal device 10 displays a remittance acceptance screen W3-2 in which the designated input fields for entering personal information are blank. Then, when the remittance button on the remittance acceptance screen W3-1 or the remittance acceptance screen W3-2 shown in Figure 5 is operated, a remittance instruction (see Figure 2) is sent from the terminal device 10 to the information processing device 100.

[0059] In this way, the information processing device 100 according to this embodiment can enhance the convenience of user U who makes cashless remittances. Specifically, the information processing device 100 can allow user U to confirm in advance whether the recipient is eligible for tax deductions such as charitable contribution deductions before the remittance is executed. Furthermore, if the recipient is eligible for tax deductions, the information processing device 100 can, with user U's consent, link to the recipient with only a simple procedure for obtaining the personal information necessary to create a deduction certificate, thereby reducing the burden on the user. On the other hand, if user U, the remitter, consents, the information processing device 100 can provide user U's personal information to the recipient company or organization. In addition, the information processing device 100 can accept remittances according to the wishes of the recipient company or organization.

[0060] Furthermore, in the information processing according to this embodiment, if the recipient corresponding to the recipient identification information is a recipient from whom the user has already given consent for sharing personal information, the information processing device 100 may skip providing the consent screen W2 and instead provide the remittance acceptance screen W3 when remitting to a recipient from whom consent has already been obtained.

[0061] Furthermore, in the information processing according to this embodiment, the information processing device 100 may, in response to a request from user U, provide a remittance history relating to remittances to recipients that are subject to the deduction system. For example, the information processing device 100 may filter and extract only the remittance history to recipients subject to the deduction system from all of user U's remittance history and provide the extracted remittance history to user U. In this case, the information processing device 100 may also provide the total amount of remittances, or provide the amount that represents the upper limit of the deduction from the remittance amount.

[0062] [3. Example of device configuration] The configuration of the information processing device 100 according to this embodiment will be described below. Figure 6 is a block diagram showing an example of the configuration of the information processing device according to this embodiment.

[0063] As shown in Figure 6, the information processing device 100 includes a communication unit 110, a storage unit 120, and a control unit 130.

[0064] (Regarding Communications Unit 110) The communication unit 110 is connected to the network N by wire or wireless connection. The communication unit 110 transmits and receives information to and from the terminal device 10 via the network N. The communication unit 110 is implemented, for example, by a NIC (Network Interface Card). The network N is a WAN (Wide Area Network) such as the Internet. Network N may also include communication networks such as a LAN (Local Area Network), a telephone network (for example, a mobile phone network or a fixed telephone network), or a regional IP (Internet Protocol) network. Furthermore, network N may include a wired network or a wireless network.

[0065] (Regarding memory unit 120) The storage unit 120 stores programs and data used for control and calculations by the control unit 130. The storage unit 120 is implemented by, for example, semiconductor memory elements such as RAM (Random Access Memory) and flash memory, or storage devices such as hard disks and optical discs. As shown in Figure 6, the storage unit 120 includes a remittance destination database 121, a deduction certificate sending method database 122, a remittance history database 123, a service usage information database 124, a payment-compatible wallet information database 125, and a corporate account information database 126.

[0066] (Regarding Recipient Database 122) The recipient database 122 stores information about recipients associated with code information Q. Figure 7 is a diagram illustrating an overview of the recipient database according to this embodiment. Note that Figure 7 shows an example of the recipient database 121 according to this embodiment, and it may be configured in a different form than the example shown in Figure 7.

[0067] As shown in Figure 7, the recipient database 121 has multiple fields, including "Recipient Identification Information," "Recipient," "Recipient Display Name," "Deduction Flag," "Deduction Details / Corresponding System," "Remittance Amount," "1 Unit Setting," "1 Unit Amount," and "Method of Sending Deduction Certificate." These fields in the recipient database 121 are interconnected.

[0068] The "Recipient Identification Information" field stores unique identification information that is individually assigned to recipients such as companies and organizations. The "Recipient" field stores the name of the recipient company or organization. The "Recipient Display Name" field stores the name of the recipient that will be displayed on the terminal device 10. In the example shown in Figure 7, the information stored in the "Recipient Display Name" field includes "A Fundraising" and "B Fundraising."

[0069] The "deduction flag" field stores information indicating whether or not the recipient is eligible for the deduction system. For example, if "ON" is stored in the "deduction flag" field, it indicates that the recipient is eligible for the deduction system, and if "OFF" is stored in the "deduction flag" field, it indicates that the recipient is not eligible for the deduction system.

[0070] The "Deduction Details / Corresponding System" field stores information indicating the deduction applicable to the recipient and information indicating the corresponding tax system. In the example shown in Figure 7, "Donation Deduction" is shown as the information indicating the deduction applicable to the recipient, and "Income Deduction" is shown as the corresponding tax system. Note that the "Deduction Details / Corresponding System" field may also store information indicating general principles. For example, for certain donations related to political activities, donations to certified NPOs, and donations to public interest corporations, "Special Donation Deduction" may be stored as the deduction details and "Tax Credit" as the corresponding tax system, instead of an income deduction.

[0071] The "Transferable Amount" field stores information indicating the maximum amount that can be transferred, as set by the recipient company or organization. In the example shown in Figure 7, the transferable amount stored in the "Transferable Amount" field ranges from a minimum of 100 yen to a maximum of 1,000,000 yen. The "Unit Setting" field stores information indicating whether the recipient company or organization has set up the acceptance of transfers in units of one. The "Unit Amount" field contains information indicating the transfer amount per unit if the acceptance of transfers in units of one is set up.

[0072] The "Method of Sending Deduction Certificates" field stores information indicating how the deduction certificates (receipts / deposit slips) required for user U, the sender of the funds, to be eligible for the deduction system are to be sent. In the example shown in Figure 7, "mail" and "email" are indicated as the methods for sending the deduction certificates stored in the "Method of Sending Deduction Certificates" field.

[0073] According to Figure 7, the recipient identified by the recipient identification information "xxx.aaa" is displayed as "A Donation" on terminal device 10. Also according to Figure 7, donations to the recipient "xxxxxx" are eligible for tax deductions, and donors can freely enter an amount within the range of "100 to 1,000,000 yen," with no single-unit setting. Furthermore, Figure 7 indicates that the deduction certificate required to receive the deduction for donations to the recipient "xxxxxx" will be sent by mail.

[0074] (Regarding the Database 122 on methods for sending deduction certificates) The deduction certificate delivery method database 122 stores information regarding the delivery method of deduction certificates. Figure 8 is a diagram illustrating an overview of the deduction certificate delivery method database according to this embodiment. Note that Figure 8 shows an example of the deduction certificate delivery method database 122 according to this embodiment, and it may be configured in a different form than the example shown in Figure 8.

[0075] As shown in Figure 8, the deduction certificate delivery method database 122 has two items: "Deductible Certificate Delivery Method" and "Items Linked During Account Linking". The "Deductible Certificate Delivery Method" item stores information indicating the delivery method of the deduction certificate. The "Items Linked During Account Linking" item stores information indicating the items of personal information that will be linked to the recipient when consent is given to sharing personal information when sending the deduction certificate.

[0076] In the example shown in Figure 8, if the method of sending the deduction certificate is "email," the personal information items that need to be shared with the recipient are "name, phone number, and email address." Also in the example shown in Figure 8, if the method of sending the deduction certificate is "postal mail," the personal information items that need to be shared with the recipient are "name, phone number, and address."

[0077] (Regarding remittance history database 123) The remittance history database 123 stores information about the remittance history of each user, including user U. Figure 9 is a diagram illustrating an overview of the remittance history database according to this embodiment. Note that Figure 9 shows an example of a remittance history database, and it may be configured in a different form than the example shown in Figure 9.

[0078] As shown in Figure 9, the remittance history database 123 has the following fields: "User ID", "Remittance Date", "Recipient Business", "Recipient Display Name", "Remittance Amount", "Deduction Information", and "Deduction Details / Applicable System". These fields in the remittance history database 123 are interconnected.

[0079] The "User ID" field stores identification information individually assigned to user U who made the remittance. The "Remittance Date" field stores information indicating the date the remittance was made. The "Recipient Business" field stores information indicating the business (corporation) such as a company or organization that is the recipient of the remittance. The "Recipient Display Name" field stores information about the recipient that is displayed on terminal device 10. The "Remittance Amount" field stores information indicating the amount that was remitted. The "Deduction Information" field stores information indicating whether or not the recipient is eligible for a deduction. The "Deduction Details / Applicable System" field stores information indicating the details of the deduction applicable to the recipient and information indicating the corresponding tax system.

[0080] Figure 9 shows that user U, identified by user ID "#000", made a transfer of 1,000 yen to recipient business "xxxx" on April 14, 2022. Furthermore, Figure 9 indicates that this transfer is eligible for a tax deduction for charitable contributions.

[0081] (Regarding the Service Usage Information Database 124) The service usage information database 124 stores information about the services used by service users, which are businesses (corporations) such as companies and organizations that use corporate accounts. For example, the services used include payment services (collection agency services) that become available by concluding a merchant agreement, and remittance services (remittance receiving services) that become available after concluding a corporate account service usage agreement with a business that provides corporate account services and then registering to use the remittance service.

[0082] (Regarding the Payment-Compatible Wallet Information Database 125) The payment-enabled wallet information database 125 stores payment-enabled wallet information relating to payment-enabled wallets owned by businesses that use payment services. The payment-enabled wallet information includes a business ID, which is identification information for businesses that have entered into a merchant agreement as merchants of the electronic payment service; a merchant ID, which is identification information for merchants; a store ID, which is identification information for stores; a wallet ID, which is identification information for payment-enabled wallets; information indicating the money balance of the payment-enabled wallet; and an account number indicating the financial institution account linked to the wallet.

[0083] (Regarding Corporate Account Information Database 126) The corporate account information database 126 stores information about corporate accounts corresponding to businesses that have entered into a corporate account service agreement. The information stored about corporate accounts includes a business ID, which is identification information for identifying businesses that use the corporate account service; a corporate account ID, which is identification information for identifying corporate accounts; money balances in the main wallet and sub-wallets; and account numbers indicating the financial institution accounts linked to the main wallet.

[0084] (Regarding the control unit 130) The control unit 130 is a controller that performs control and calculations for the information processing device 100. Each part of the control unit 130 is realized by executing various programs stored in the internal memory of the information processing device 100 using RAM as the working area, for example, by a CPU (Central Processing Unit) or MPU (Micro Processing Unit). The control unit 130 is also realized by an integrated circuit such as an ASIC (Application Specific Integrated Circuit), FPGA (Field Programmable Gate Array), or SoC (System on a Chip).

[0085] As shown in Figure 6, the control unit 130 includes a distribution processing unit 131, a determination unit 132, a provisioning unit 133, a settlement processing unit 134, and a remittance processing unit 135. The control unit 130 realizes or executes the information processing functions and operations described below through the parts shown in Figure 6.

[0086] (Regarding the distribution processing unit 131) The distribution processing unit 131 distributes the processing based on the processing request to either settlement processing or remittance processing, based on the request identification information contained in the code reading information received as a processing request from user U.

[0087] (Regarding the determination unit 132) If the code reading information includes a remittance flag, the remittance receiving unit 132 determines, based on the remittance recipient identification information included in the code reading information, whether the remittance recipient identified by the remittance recipient identification information is eligible for the deduction system.

[0088] (Regarding Section 133) If the determination unit 132 determines that the recipient is eligible for the deduction system, the provision unit 132 provides user U with a remittance amount input screen W1 (see, for example, Figure 5) displaying information indicating that the recipient is eligible for the deduction system. For example, as information indicating that the recipient is eligible for the deduction system, the provision unit 132 provides a remittance amount input screen W1 (see, for example, Figure 5) displaying information indicating the details of the deduction corresponding to the remittance.

[0089] Furthermore, for example, the provisioning unit 133 provides a remittance amount input screen W1 in which user U can input the remittance amount according to settings accepted in advance from the remittance business operator that will receive the remittance. Specifically, the provisioning unit 133 provides a remittance amount input screen W1 in which the amount can be entered within the range of minimum and maximum amounts set by the remittance business operator. In addition, the provisioning unit 133 provides a remittance amount input screen W1 in which the amount can be entered in remittance units set by the remittance business operator.

[0090] Furthermore, the provisioning unit 133 provides user U with a consent screen W2 (see, for example, Figure 5) to ask whether user U consents to sharing personal information with the recipient, in response to user U's operation on the remittance amount input screen W1 (for example, operation on button B1). If consent to sharing personal information is obtained from user U through the consent screen W2, the provisioning unit 133 provides user U with a remittance acceptance screen W3 (see, for example, Figure 5) in which the personal information has been automatically entered into a predetermined area.

[0091] Furthermore, if the recipient corresponding to the recipient identification information is a recipient from whom user U has already given consent for sharing personal information, the provision unit 133 skips providing the consent screen W2 and provides the remittance acceptance screen W3 when remitting to a recipient from whom consent has already been obtained.

[0092] Furthermore, the provisioning unit 133 provides remittance history for remittances to recipients that are eligible for the deduction system, in response to a request from user U. For example, the provisioning unit 133 may filter and extract only the remittance history to recipients eligible for the deduction system from all of user U's remittance history and provide the extracted remittance history to user U. In this case, the information processing device 100 may also provide the total amount of remittances, or provide the amount of the remittance that represents the upper limit of the deduction.

[0093] (Regarding settlement processing unit 134) When a processing request is allocated to a payment processing unit by the distribution processing unit 131, the payment processing unit 134 adds an amount of electronic money equivalent to the payment amount included in the processing request to the balance of the payment service-compatible wallet linked to the payment service corresponding to the payment processing, as sales revenue of the business that is a service user of the payment service. Furthermore, at a predetermined timing in accordance with the merchant agreement, the payment processing unit 134 pays the balance of the payment service-compatible wallet to a financial institution account that the business that is a service user of the payment service has designated in advance as the recipient of the transfer.

[0094] (Regarding the remittance processing unit 135) When the distribution processing unit 131 has allocated a processing request to a remittance, the remittance processing unit 135 adds an amount of electronic money equivalent to the remittance amount included in the processing request to the balance of the corporate account of the business that is a user of the remittance service, as funds received by the business. Furthermore, if the remittance processing is completed successfully, the remittance processing unit 135 accepts the deposit of an amount of electronic money equivalent to the remittance amount through the sub-wallet for the remittance service linked to the corporate account of the business that is a user of the remittance service. The remittance processing unit 135 also adds the balance of the sub-wallet compatible with the remittance service to the balance of the main wallet held by the corporate account as funds received by the business. Furthermore, at a predetermined timing in accordance with the corporate account service agreement, the remittance processing unit 135 pays the balance of the corporate wallet to a financial institution account designated in advance by the business that is a user of the remittance service as the recipient of the transfer.

[0095] [4. Processing Procedure] Next, the processing procedure of the information processing device 100 according to this embodiment will be described using Figure 10. Figure 10 is a flowchart showing an example of the processing procedure of the information processing device according to this embodiment. The processing procedure shown below is repeatedly executed by the control unit 130 of the information processing device 100.

[0096] As shown in Figure 10, if the code reading information includes a remittance flag, the determination unit 132 determines whether the remittance destination identified by the remittance destination identification information included in the code reading information is eligible for the deduction system (step S101).

[0097] Furthermore, if the receiving unit 132 determines that the recipient is eligible for the deduction system, the providing unit 133 provides the user U with a remittance amount input screen W1 displaying information indicating that the recipient is eligible for the deduction system (step S102).

[0098] Furthermore, the provisioning unit 132 provides user U with a consent screen W2 to ask whether or not they consent to sharing personal information with the recipient of the remittance (step S103).

[0099] Furthermore, the provisioning unit 132 determines whether consent for sharing personal information has been obtained from user U through the consent screen W2 (step S104). If the provisioning unit 132 determines that consent for sharing personal information has been obtained from user U through the consent screen W2 (step S104: Yes), it provides user U with a remittance acceptance screen W3-1 in which personal information has been automatically entered into the input fields, which are designated areas (step S105).

[0100] Furthermore, when the remittance processing unit 135 receives a remittance instruction from user U (for example, when the remittance button is operated), it executes the remittance process according to the instructions of user U (step S107), and then terminates the processing procedure shown in Figure 10.

[0101] In step S104 described above, if the provision unit 132 determines that consent to the sharing of personal information could not be obtained from user U through the consent screen W2 (step S104: No), it provides user U with a remittance acceptance screen W3-2 with blank fields for personal information input (step S108), and proceeds to the processing procedure in step S107 described above.

[0102] [5. Variations] The embodiment described above is merely an example of the information processing according to this embodiment, and various modifications and applications are possible.

[0103] (5-1. Consent to sharing personal information) For example, in the example of information processing according to the embodiment described above, the information processing device 100 may perform the remittance process on the condition that the recipient consents to the sharing of personal information with the recipient, provided that the recipient is eligible for the deduction system. This ensures that the user U, who is the remitter, is reliably provided with a deduction certificate.

[0104] (5-2. Regarding regular remittances) For example, in the example of information processing according to the embodiment described above, the information processing device 100 may not only accept one-time remittances through code information Q, but may also accept periodic remittances in response to requests from user U.

[0105] (5-3. Setting limits on the amount of money that can be sent) For example, in the example of information processing according to the embodiment described above, the information processing device 100 may process a request from user U to accept a remittance from user U, up to the amount for which the deduction system is available.

[0106] [6. Hardware Configuration] Furthermore, the information processing device 100 according to this embodiment described above is implemented by a computer 1000 having the configuration shown in Figure 11, for example. Figure 11 is a hardware configuration diagram showing an example of a computer that implements the functions of the service provision device according to this embodiment or a modified example.

[0107] Computer 1000 is connected to an output device 1010 and an input device 1020, and has a configuration in which an arithmetic unit 1030, a primary storage device 1040, a secondary storage device 1050, an output interface 1060, an input interface 1070, and a network interface 1080 are connected by a bus 1090.

[0108] The arithmetic unit 1030 operates based on programs stored in the primary storage device 1040 and the secondary storage device 1050, as well as programs read from the input device 1020, and executes various processes. The primary storage device 1040 is a memory device, such as RAM, that temporarily stores data used by the arithmetic unit 1030 for various calculations. The secondary storage device 1050 is a storage device where data used by the arithmetic unit 1030 for various calculations and various databases are registered, and is implemented using ROM (Read Only Memory), HDD, flash memory, etc.

[0109] Output IF1060 is an interface for transmitting information to be output to output devices 1010, such as monitors and printers, and is implemented using connectors of standards such as USB (Universal Serial Bus), DVI (Digital Visual Interface), and HDMI (High Definition Multimedia Interface). Input IF1070 is an interface for receiving information from various input devices 1020, such as mice, keyboards, and scanners, and is implemented using, for example, USB.

[0110] The input device 1020 may also be a device that reads information from, for example, an optical recording medium such as a CD (Compact Disc), DVD (Digital Versatile Disc), or PD (Phase Change Rewritable Disk), a magneto-optical recording medium such as an MO (Magneto-Optical disk), tape media, magnetic recording media, or semiconductor memory. Furthermore, the input device 1020 may be an external storage medium such as a USB memory stick.

[0111] Network IF1080 receives data from other devices via network N and sends it to the arithmetic unit 1030, and also transmits data generated by the arithmetic unit 1030 to other devices via network N.

[0112] The arithmetic unit 1030 controls the output device 1010 and the input device 1020 via the output IF 1060 and the input IF 1070. For example, the arithmetic unit 1030 loads a program from the input device 1020 or the secondary storage device 1050 onto the primary storage device 1040 and executes the loaded program.

[0113] For example, when the computer 1000 functions as the information processing device 100 according to this embodiment, the arithmetic unit 1030 of the computer 1000 realizes the same functions as the control unit 330 by executing a program (for example, an information processing program) loaded on the primary storage device 1040. That is, the arithmetic unit 1030 realizes the processing by the information processing device 100 according to this embodiment in cooperation with the program (for example, an information processing program) loaded on the primary storage device 1040.

[0114] Furthermore, when the computer 1000 functions as the modified information processing device 100, the arithmetic unit 1030 of the computer 1000 realizes the same functions as the control unit 430 by executing a program (for example, an information processing program) loaded onto the primary storage device 1040. In other words, the arithmetic unit 1030 realizes the processing by the modified information processing device 100 in cooperation with the program (for example, an information processing program) loaded onto the primary storage device 1040.

[0115] [7. Effects] As described above, the information processing device 100 according to this embodiment comprises a determination unit 132 and a provision unit 133. When the determination unit 132 receives code reading information including a remittance flag as a processing request from a user, it determines whether the remittance destination identified by the remittance destination identification information is subject to the deduction system, based on the remittance destination identification information contained in the code reading information. If the determination unit 132 determines that the remittance destination is subject to the deduction system, the provision unit 133 provides the user U with a remittance amount input screen W1 (for example, see Figure 5) displaying information indicating that the remittance destination is subject to the deduction system.

[0116] Furthermore, the provisioning unit 133 provides a remittance amount input screen W1 that displays information indicating the details of the deduction corresponding to the remittance, as information indicating that the deduction system is applicable.

[0117] Furthermore, the service provider 133 provides a remittance amount input screen W1 in which user U can input the remittance amount according to settings accepted in advance from the remittance business operator. Specifically, the service provider 133 provides a remittance amount input screen W1 in which the amount can be entered within the range of minimum and maximum amounts set by the remittance business operator. In addition, the service provider 133 provides a remittance amount input screen W1 in which the amount can be entered in remittance units set by the remittance business operator.

[0118] Furthermore, the provisioning unit 133 provides user U with a consent screen W2 (see, for example, Figure 5) to ask whether user U consents to sharing personal information with the recipient, in response to user U's operation on the remittance amount input screen W1 (for example, operation on button B1). If consent to sharing personal information is obtained from user U through the consent screen W2, the provisioning unit 133 provides user U with a remittance acceptance screen W3 (see, for example, Figure 5) in which the personal information has been automatically entered into a predetermined area.

[0119] Furthermore, if the recipient corresponding to the recipient identification information is a recipient from whom user U has already given consent for sharing personal information, the provision unit 133 skips providing the consent screen W2 and provides the remittance acceptance screen W3 when remitting to a recipient from whom consent has already been obtained.

[0120] In this way, the information processing device 100 according to this embodiment can enhance the convenience of user U who makes cashless remittances through the processing performed by each of the above-described parts, or any combination of each of the parts. Specifically, the information processing device 100 can allow user U to confirm in advance whether the recipient is eligible for tax deductions such as charitable contribution deductions before making a remittance. Furthermore, if the recipient is eligible for tax deductions, the information processing device 100 can, with the consent of user U, link to the recipient with only a simple procedure for obtaining the personal information necessary to create a tax deduction certificate, thereby reducing the burden on the user.

[0121] Furthermore, the provisioning unit 133 provides a remittance history for remittances to which the recipient is subject to the tax deduction system, in response to a request from user U. This allows the information processing device 100 according to this embodiment to further enhance the convenience for user U who makes cashless remittances.

[0122] [8. Other] Although this embodiment and some of its modifications have been described in detail with reference to the drawings, these are merely examples, and the present invention can be implemented in various other forms with modifications and improvements based on the knowledge of those skilled in the art, starting with the embodiments described in the disclosure section of the invention.

[0123] Furthermore, the aforementioned information processing device 100 can be flexibly modified in its configuration, for example, by calling external platforms via APIs (Application Programming Interfaces) or network computing depending on the function.

[0124] Furthermore, the term "part" in the claims can be replaced with "means," "circuit," etc. For example, "control unit" can be replaced with "control means" or "control circuit."

[0125] Furthermore, the effects described in the embodiments of this application are merely descriptive or illustrative and not limiting. In other words, the embodiments of this application may produce other effects that are obvious to those skilled in the art from the description of the embodiments, in addition to or instead of the effects described above. [Explanation of Symbols]

[0126] 10 Terminal devices 100 Information Processing Devices 110 Communications Department 120 Storage section 121 Remittance Destination Database 122 Database of methods for sending deduction certificates 123 Remittance History Database 124 Service Usage Information Database 125 Payment-Compatible Wallet Information Database 126 Corporate Account Information Database 130 Control Unit 131 Distribution Processing Unit 132 Judgment section 133 Provision Department 134 Payment Processing Unit 135 Remittance Processing Unit

Claims

1. When a remittance request is received as a processing request from a user, a determination unit determines whether the remittance recipient identified by the remittance recipient identification information included in the remittance request is subject to the deduction system, If the determination unit determines that the recipient is eligible for the deduction system, the provision unit provides the user with a first screen displaying information indicating that the recipient is eligible for the deduction system. An information processing device characterized by comprising:

2. The aforementioned supply unit is, The first screen is provided, which displays information indicating that the recipient is eligible for the aforementioned deduction system, showing the details of the deduction applicable to the recipient. The information processing apparatus according to feature 1.

3. The aforementioned supply unit is, The first screen is provided, which allows the user to input the remittance amount, in accordance with settings accepted in advance by the remittance recipient business operator. The information processing apparatus according to feature 1.

4. The aforementioned supply unit is, The first screen is provided, which allows users to enter an amount within the range of the minimum and maximum amounts set by the recipient company. The information processing apparatus according to claim 3.

5. The aforementioned supply unit is, The first screen is provided, which allows the user to input an amount in the remittance unit set by the recipient business operator. The information processing apparatus according to claim 3.

6. The aforementioned supply unit is, In response to the user's actions on the first screen, a second screen is provided to the user to ask whether they consent to sharing personal information with the recipient of the remittance. If consent to the sharing of personal information is obtained from the user through the second screen, the system will provide the user with a third screen in which the personal information has been automatically entered into a designated area. The information processing apparatus according to feature 1.

7. The aforementioned supply unit is, If the recipient corresponding to the aforementioned recipient identification information is a recipient from whom the user has already given consent for the sharing of the aforementioned personal information, when resending to such a recipient, the provision of the second screen will be skipped and the third screen will be provided. The information processing apparatus according to feature 6.

8. The aforementioned supply unit is, In response to a request from the user, the recipient will provide a remittance history for remittances to which the deduction scheme applies. The information processing apparatus according to feature 1.

9. A method of information processing performed by a computer, When a user requests a remittance request, the system includes a determination step to determine whether the recipient identified by the recipient identification information included in the remittance request is eligible for the deduction system, and If the determination step determines that the recipient is eligible for the deduction system, the provision step provides the user with a first screen displaying information indicating that the recipient is eligible for the deduction system. An information processing method characterized by including

10. On the computer, When a user requests a remittance request, the procedure for determining whether the recipient identified by the recipient identification information included in the remittance request is eligible for the deduction system is a determination procedure, If the determination procedure determines that the recipient is eligible for the deduction system, the procedure provides the user with a first screen displaying information indicating that the recipient is eligible for the deduction system. An information processing program characterized by causing the execution of [a specific action].

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