Remittance method, program, and information processing device

Abstract

Provided is a remittance method executed by an information processing device, the remittance method including: storing information indicating one or more corresponding second accounts and a money transfer rule for each of one or more first accounts; identifying, upon having received a remittance request in which the first account is set as a remittance destination from a user, one or more second accounts and a money transfer rule corresponding to the first account; and remitting at least some funds of a remittance amount pertaining to the remittance request to the identified one or more second accounts on the basis of the identified money transfer rule.

Description

Remittance method, program and information processing device CROSS-REFERENCE TO RELATED APPLICATIONS

[0001] This application claims priority from Japanese Patent Application No. 2024-057867, filed in Japan on March 29, 2024, the entire disclosure of which is incorporated herein by reference.

[0002] The present disclosure relates to a remittance method, a program, and an information processing device.

[0003] Conventionally, there are known technologies for transferring funds from a remitter to a recipient. For example, Patent Literature 1 discloses a remittance management system that, when executing a transfer process from a remitter user to multiple recipient users, acquires comprehensive transfer data in which transfer destination information and transfer amount information of each recipient user are associated.

[0004] Japanese Patent Application Laid-Open No. 2018-190314

[0005] A combined transfer is a method of remittance that can be adopted when a remitter wishes to send money to multiple recipients. However, when using a combined transfer, the remitter must individually specify the account information and remittance amount for each recipient, which is cumbersome.

[0006] In response to this, a method is conceivable in which the recipient of funds notifies the remitter of the information of only one remittance account in advance, and the funds deposited by the remitter into the remittance account are allocated and remitted to multiple desired accounts. For example, when the recipient is an organization with a headquarters and multiple branches and the remitter is a member of the organization, the membership fees transferred from the member to the organization's remittance account can be allocated and remitted between the headquarters account and the branch account to which the member belongs. This is highly convenient for the remitter member, as they only need to recognize the information of one remittance account. On the other hand, the recipient organization cannot immediately determine the branch to which the remitter member belongs from the transfer information, so it must, for example, refer to directory information to identify the branch to which the member belongs, and then allocate and remit the membership fees between the branch account and the headquarters account, which is cumbersome. Therefore, there is room for improvement in the technology for transferring funds from the remitter to the recipient.

[0007] In light of the above circumstances, the purpose of the present disclosure is to improve the technology for conducting transactions to transfer funds from a sender to a receiver. Note that the present disclosure is not limited to the above circumstances and can be implemented to solve any problem.

[0008] A remittance method according to one embodiment of the present disclosure is a remittance method executed by an information processing device, and includes: storing, for each of one or more first accounts, information indicating one or more corresponding second accounts and transfer rules; upon receiving a remittance request from a user specifying a first account as the remittance destination, identifying one or more second accounts and transfer rules corresponding to the first account; and transferring at least a portion of the remittance amount related to the remittance request to the identified one or more second accounts based on the identified transfer rules.

[0009] A program according to one embodiment of the present disclosure causes a computer to perform operations including: storing, for each of one or more first accounts, information indicating one or more corresponding second accounts and transfer rules; upon receiving a remittance request from a user specifying a first account as the remittance destination, identifying one or more second accounts and transfer rules corresponding to the first account; and transferring at least a portion of the remittance amount related to the remittance request to the identified one or more second accounts based on the identified transfer rules.

[0010] An information processing device according to one embodiment of the present disclosure is an information processing device including a memory unit and a control unit, wherein the memory unit stores information indicating one or more corresponding second accounts and transfer rules for each of one or more first accounts, and the control unit, upon receiving a remittance request from a user with the first account as the remittance destination, identifies one or more second accounts and transfer rules corresponding to the first account, and transfers at least a portion of the remittance amount related to the remittance request to the identified one or more second accounts based on the identified transfer rules.

[0011] According to one embodiment of the present disclosure, an improvement is provided in the technique for conducting transactions that transfer funds from a sender to a receiver.

[0012] Fig. 1 is a block diagram showing a schematic configuration of a system according to an embodiment of the present disclosure; Fig. 2 is a block diagram showing a schematic configuration of a terminal device; Fig. 3 is a block diagram showing a schematic configuration of a server; Fig. 4 is a diagram showing specific examples of multiple second accounts corresponding to each first account and transfer money rules; Fig. 5 is a sequence diagram showing the operation of the system;

[0013] Hereinafter, embodiments of the present disclosure will be described.

[0014] (Overview of the embodiment) An overview of a system 1 according to an embodiment of the present disclosure will be described with reference to Fig. 1. The system 1 includes a terminal device 10 and a server 200. The terminal device 10 and the server 200 can communicate with each other via a network 30 including, for example, a mobile communication network and / or the Internet.

[0015] The terminal device 10 is any information processing device that can be used by a user. For example, a smartphone, a tablet device, a personal computer (PC), or an automatic teller machine (ATM) can be used as the terminal device 10. While one terminal device 10 is illustrated in FIG. 1 , the system 1 may include two or more terminal devices 10. A user can use the terminal device 10 to transfer funds held in their own account or funds deposited in cash to a desired recipient. Note that the "account" will be described as a bank account, but is not limited to this and may be any account used for remittance, such as a credit card, an electronic wallet, or a user account for a payment service.

[0016] The server 200 is configured to include one or more information processing devices capable of communicating with each other. In this embodiment, the server 200 is described as including a first server device 210 and a second server device 220. The first server device 210 is used, for example, by a funds transfer service provider, but is not limited to this, and may also be used, for example, by a bank. The second server device 220 is used, for example, by an institution (e.g., a bank) that opens the first account and the second and third accounts described below, but is not limited to this. Alternatively, the second server device 220 may constitute at least a part of a nationwide bank data communication system. In such a case, an embodiment is also possible in which the system 1 including the terminal device 10 and the first server device 210 communicates with the second server device 220.

[0017] In this embodiment, a method is adopted in which the recipient of funds notifies the remitter of the information of only one remittance account in advance, and the funds deposited by the remitter into the remittance account are distributed and remitted to multiple desired accounts. Here, a specific example of a remittance service using system 1 will be described. A user is a member of an organization having a headquarters and one or more branches, and belongs to one of the branches. Two or more second accounts exist, including one second account used by the headquarters of the organization and one or more second accounts used by each of the one or more branches. The headquarters or branches of the organization can deposit and withdraw funds using their own second accounts. In addition to the second accounts, one or more first accounts exist, each corresponding to one or more branches. The first accounts correspond to the "remittance accounts" described above. In this embodiment, the first accounts are accounts that do not have a fund holding function (hereinafter also referred to as "filter accounts"), but they may also be accounts that can hold funds. The organization notifies each member user in advance of the account information of the first account corresponding to the branch to which the user belongs as the information to which membership fees should be remitted. The user can use the notified account information to pay membership fees by remitting the money to the first account corresponding to the branch to which the user belongs.

[0018] An overview of this embodiment will be described below, and details will be provided later. An information processing device (e.g., the first server device 210) stores information indicating, for each of one or more first accounts, a plurality of corresponding second accounts and predetermined rules (hereinafter also referred to as "transfer rules"). When the information processing device receives a remittance request from a user specifying a first account as the remittance destination, it identifies a plurality of second accounts and transfer rules corresponding to the first account. The information processing device then allocates and transfers funds of the remittance amount related to the remittance request to the identified plurality of second accounts based on the identified transfer rules.

[0019] According to this embodiment, for example, a user who is a member of an organization can pay membership fees to a first account corresponding to the branch to which the user belongs. The membership fees paid to the first account are then automatically allocated and transferred to multiple second accounts corresponding to the first account (e.g., a second account used by the organization's headquarters and a second account used by the branch to which the user belongs) based on the transfer rule corresponding to the first account. Therefore, the organization that receives the membership fees only needs to store multiple second accounts corresponding to each branch and the transfer rule in an information processing device. It does not need to perform the administrative work of identifying the branch to which the member belongs by referencing, for example, a directory information, and then allocating and transferring the membership fees between the branch's second account and the headquarters' second account. Therefore, this embodiment improves the technology for transferring funds from a remitter to a recipient by reducing the workload of the recipient.

[0020] Next, each component of the system 1 will be described in detail.

[0021] (Configuration of Terminal Device) As shown in FIG. 2 , the terminal device 10 includes a communication unit 11 , an input / output unit 12 , a storage unit 13 , and a control unit 14 .

[0022] The communication unit 11 includes one or more communication interfaces for communicating via the network 30. The communication interfaces are compatible with mobile communication standards such as 4G (4th Generation) or 5G (5th Generation), wired LAN (Local Area Network) standards, or wireless LAN standards, but are not limited to these and may be compatible with any communication standard. In this embodiment, the terminal device 10 communicates with the server 200 via the communication unit 11.

[0023] The input / output unit 12 includes one or more output devices that output information so that the user can recognize it, and one or more input devices that detect user operations. Examples of "output devices" include, but are not limited to, a display that outputs information as an image or a speaker that outputs information as audio. Examples of "input devices" include, but are not limited to, physical keys, capacitive keys, a touch screen integrated with a display, a microphone that accepts audio input, or a camera. Furthermore, if the terminal device 10 is an ATM, the input / output unit 12 may further include, for example, a cash deposit / withdrawal device that allows cash to be deposited or withdrawn.

[0024] The storage unit 13 includes one or more memories. The "memory" may be, for example, a semiconductor memory, a magnetic memory, an optical memory, or the like, but is not limited to these. Each memory included in the storage unit 13 may function as, for example, a main memory device, an auxiliary memory device, or a cache memory. The storage unit 13 stores any information used in the operation of the terminal device 10. For example, the storage unit 13 may store a system program, an application program, embedded software, and the like.

[0025] The control unit 14 includes one or more processors, one or more programmable circuits, one or more dedicated circuits, or a combination thereof. A "processor" is, for example, but not limited to, a general-purpose processor such as a CPU (Central Processing Unit) or a GPU (Graphics Processing Unit), or a dedicated processor specialized for a specific process. A "programmable circuit" is, for example, but not limited to, an FPGA (Field-Programmable Gate Array). A "dedicated circuit" is, for example, but not limited to, an ASIC (Application Specific Integrated Circuit). The control unit 14 controls the operation of the entire terminal device 10.

[0026] (Configuration of Server) As shown in FIG. 3 , the first server device 210 included in the server 200 includes a first communication unit 211 , a first storage unit 212 , and a first control unit 213 .

[0027] The first communication unit 211 includes one or more communication interfaces for communicating via the network 30. The communication interfaces correspond to, for example, a wired LAN standard or a wireless LAN standard, but are not limited to these and may correspond to any communication standard. In this embodiment, the first server device 210 communicates with the terminal device 10 via the first communication unit 211. The first server device 210 also communicates with the second server device 220 via the network 30 or a dedicated line.

[0028] The first storage unit 212 includes one or more memories. Each memory included in the first storage unit 212 may function as, for example, a main storage unit, an auxiliary storage unit, or a cache memory. The first storage unit 212 stores any information used in the operation of the first server device 210. For example, the first storage unit 212 may store system programs, application programs, databases, etc.

[0029] In this embodiment, the first storage unit 212 further stores, for each of one or more first accounts, information indicating a plurality of corresponding second accounts and a transfer fee rule. The "transfer fee rule" indicates the proportion corresponding to each of the plurality of second accounts. In the example shown in FIG. 4 , for first account A1, information indicating two second accounts B0 (e.g., the second account of the headquarters) and B1 (e.g., the second account of the first branch) is associated with a transfer fee rule indicating that the proportion of second account B0 is "30%" and the proportion of second account B1 is "70%." Similarly, for first account A2, information indicating two second accounts B0 and B2 (e.g., the second account of the second branch) is associated with a transfer fee rule indicating that the proportion of second account B0 is "25%" and the proportion of second account B2 is "75%."

[0030] In the example shown in Figure 4, the total percentage of each second account indicated in the transfer rule is "100%." ​​However, an embodiment is also possible in which the total percentage of each second account indicated in the transfer rule is less than 100%, and any surplus funds remaining after the funds are allocated and transferred to each second account are paid as a fee to the funds transfer service provider or account opening institution. In the example shown in Figure 4, two second accounts correspond to one first account. However, three or more second accounts may correspond to one first account.

[0031] The first control unit 213 includes one or more processors, one or more programmable circuits, one or more dedicated circuits, or a combination thereof. The first control unit 213 controls the overall operation of the first server device 210.

[0032] 3 includes a second server device 220 having a second communication unit 221, a second storage unit 222, and a second control unit 223. The configurations of the second communication unit 221 and the second control unit 223 are the same as those of the first communication unit 211 and the first control unit 213. The configuration of the second storage unit 222 is the same as that of the first storage unit 212, except that it does not store the information indicating the multiple second accounts corresponding to each first account and the transfer rule.

[0033] (System Operation Flow) The operation of the system 1 according to this embodiment will be described with reference to Figure 5. In summary, this operation involves automatically allocating and transferring membership fees sent by a user who is a member of an organization using a terminal device 10 to multiple second accounts. It is assumed that the user has been notified in advance of the account information for one first account corresponding to one branch to which the user belongs. Furthermore, it is assumed that the first account is a filter account that does not have a fund holding function, as described above.

[0034] Step S100: The first storage unit 212 of the first server device 210 stores, for each of one or more first accounts, information indicating a plurality of corresponding second accounts and transfer rules.

[0035] This information is stored, for example, by an employee of the funds transfer service provider using the first server device 210 entering it into the first server device 210 in response to a request from the organization. However, the method for storing this information is not limited to this example. For example, an employee of the organization may enter the information via a website or application provided by the funds transfer service provider using the first server device 210. The first storage unit 212 may also store account information for a third account, which will be described later.

[0036] Step S101: The control unit 14 of the terminal device 10 sends a remittance request to the server 200 (first server device 210) with the first account as the remittance destination.

[0037] Specifically, the control unit 14 acquires information indicating the account information of the first account designated by the user as the remittance destination and the remittance amount via the input / output unit 12. Here, the control unit 14 may further acquire, as remitter information, the name of the remitter and / or the user's account information entered by the user via the input / output unit 12. The control unit 14 then transmits a remittance request including the account information of the first account designated as the remittance destination, the remittance amount, and the remitter information to the server 200 (first server device 210) via the communication unit 11.

[0038] Step S102: When the first control unit 213 of the first server device 210 receives the remittance request of step S101 from the terminal device 10, it sends a first transfer notification to the second server device 220 to transfer the remittance amount related to the remittance request to the third account.

[0039] The third account is an account for temporarily holding funds remitted by a user. For example, an account opened at an account opening institution such as a bank in response to an application from an organization or a funds transfer service provider may be used as the third account. As described above, in this embodiment, the second server device 220 may be a device used by the institution (e.g., a bank) that opened the third account, or may be a device that constitutes at least a part of a nationwide bank data communication system. Therefore, in step S102, the first control unit 213 transfers the remittance amount to the third account by sending a first money transfer notification to the institution that opened the third account or the nationwide bank data communication system.

[0040] Step S103: When the second control unit 223 of the second server device 220 receives the first money transfer notification of step S102 from the first server device 210, the second control unit 223 executes a remittance process to the third account in accordance with the first money transfer notification.

[0041] Specifically, the second control unit 223 transfers the funds of the remittance amount related to the remittance request in step S101 to the third account.

[0042] Step S104: The first control unit 213 of the first server device 210 identifies a plurality of second accounts and transfer rules corresponding to the first account related to the remittance request of step S101.

[0043] Specifically, the first control unit 213 identifies the first account by referencing the information stored in the first storage unit 212 in step S100 and reading out the multiple second accounts and transfer rule corresponding to the first account. Here, as a specific example, a case will be described in which the first account is the first account A1 shown in Figure 4. In this case, two second accounts B0 and B1 are identified, and transfer rule indicating that the proportion of second account B0 is "30%" and the proportion of second account B1 is "70%" is identified.

[0044] Step S105: The first control unit 213 sends a second transfer notification to the second server device 220, which allocates and transfers the funds of the remittance amount related to the remittance request of step S101 to the multiple second accounts identified in S104 based on the transfer amount rules identified in S104.

[0045] In detail, the first control unit 213 transmits the second transfer notice to the specified second accounts, apportioning the funds of the remittance amount at the ratio indicated in the transfer rule. As described above, in this embodiment, the second server device 220 may be a device used by the institution (e.g., a bank) that opened the second accounts, or may be a device that constitutes at least a part of a nationwide bank data communication system. In other words, in step S105, the first control unit 213 transmits the second transfer notice to the institution that opened each of the second accounts or the nationwide bank data communication system, apportioning the funds of the remittance amount to the specified second accounts at the ratio indicated in the transfer rule.

[0046] Step S106: When the second control unit 223 of the second server device 220 receives the second money transfer notification of step S105 from the first server device 210, it executes a remittance process to multiple second accounts in accordance with the second money transfer notification.

[0047] As a specific example, a case will be described in which two second accounts B0 and B1 corresponding to the first account A1 and a transfer rule have been identified in step S104. In this case, the second control unit 223 transfers funds equivalent to 30% of the remittance amount related to the remittance request in step S101 from the third account to the second account B0, and transfers funds equivalent to 70% of the remittance amount from the third account to the second account B1.

[0048] As described above, an information processing device according to this embodiment (e.g., the first server device 210) stores, for each of one or more first accounts, information indicating a plurality of corresponding second accounts and predetermined rules (hereinafter also referred to as "transfer rules"). When the information processing device receives a remittance request from a user specifying a first account as the remittance destination, it identifies a plurality of second accounts and transfer rules corresponding to the first account. The information processing device then allocates and transfers the remittance amount related to the remittance request to the identified plurality of second accounts based on the identified transfer rules.

[0049] According to this embodiment, for example, a user who is a member of an organization can pay membership fees to a first account corresponding to the branch to which the user belongs. The membership fees paid to the first account are then automatically allocated and transferred to multiple second accounts corresponding to the first account (e.g., a second account used by the organization's headquarters and a second account used by the branch to which the user belongs) based on the transfer rule corresponding to the first account. Therefore, the organization that receives the membership fees only needs to store multiple second accounts corresponding to each branch and the transfer rule in an information processing device. It does not need to perform the administrative work of identifying the branch to which the member belongs by referencing, for example, a directory information, and then allocating and transferring the membership fees between the branch's second account and the headquarters' second account. Therefore, this embodiment improves the technology for transferring funds from a remitter to a recipient by reducing the workload of the recipient.

[0050] Although the present disclosure has been described based on the drawings and examples, it should be noted that those skilled in the art may make various modifications and alterations based on the present disclosure. Therefore, it should be noted that these modifications and alterations are included in the scope of the present disclosure. For example, the functions included in each component or step can be rearranged so as not to be logically inconsistent, and multiple components or steps can be combined or divided into one.

[0051] For example, in the above-described embodiment, an example has been described in which the server 200 includes two information processing devices, the first server device 210 and the second server device 220. However, the number of information processing devices included in the server 200 is not limited to this example. For example, an embodiment is also possible in which the first server device 210 and the second server device 220 are configured as a single information processing device, and the server 200 includes this single information processing device. In such a case, for example, the above-described steps S102 and S105 for transmitting the first and second exchange notifications, respectively, can be omitted. Furthermore, for example, an embodiment is also possible in which the first server device 210 and the second server device 220 are configured as three or more information processing devices, and the server 200 includes these three or more information processing devices.

[0052] In the above-described embodiment, the first account is a filter account that does not have a fund holding function. However, an embodiment is also possible in which an account that has a fund holding function is used as the first account. In such a case, in steps S102 and S103 described above, funds are transferred to the first account related to the remittance request, rather than to the third account. Therefore, in such an embodiment, there is no need to open a third account.

[0053] In the above-described embodiment, an example was described in which the transfer amount rule indicates a proportion corresponding to each of a plurality of second accounts. However, the content of the transfer amount rule is not limited to this example. For example, the transfer amount rule may indicate a priority and a designated amount corresponding to each of a plurality of second accounts. In such a case, the first control unit 213 of the first server device 210 may, in step S105 described above, transmit a second transfer notification to allocate the remittance amount related to the remittance request in designated amounts in descending order of priority to the second accounts.

[0054] Furthermore, in the above-described embodiment, it is also assumed that, for example, one or more users make multiple remittance requests with a specific first account as the remittance destination. In response to this, the first control unit 213 of the first server device 210 or the second control unit 223 of the second server device 220 may output information indicating the total remittance amount related to multiple remittance requests with a specific first account as the remittance destination that were received during a predetermined period (e.g., one month) and the account-specific remittance amounts of the total remittance amount that were remitted to each of multiple second accounts corresponding to the first account. The output of this information may be performed, for example, by transmitting the information in any manner, such as by email, to a computer used by the recipient organization (headquarters or a branch using the first account).

[0055] Also, an embodiment is possible in which, for example, a general-purpose computer functions as the server 200 (first server device 210) according to the above-described embodiment. Specifically, a program describing the processing content for realizing each function of the server 200 (first server device 210) according to the above-described embodiment is stored in the memory of the general-purpose computer, and the program is read and executed by a processor. Therefore, the present disclosure can also be realized as a program executable by a processor, or a non-transitory computer-readable medium storing the program.

[0056] In the above-described embodiment, an example has been described in which multiple second accounts correspond to each first account. However, the number of second accounts corresponding to a first account may be one. This configuration may be adopted, for example, when an organization discloses information about a first account for remittance to its members, but does not want to disclose information about a second account used by the organization to hold funds. Specifically, in step S100 described above, the first storage unit 212 of the first server 220 stores information indicating one or more corresponding second accounts and transfer rules for each of one or more first accounts. In step S104 described above, the first control unit 213 of the first server device 210 identifies one or more second accounts and transfer rules corresponding to the first account related to the remittance request. Here, if one second account corresponding to the first account is identified (in other words, if there is one second account corresponding to the first account), in step S105 described above, the first control unit 213 transmits to the second server device 220 a second transfer notification for transferring at least a portion of the remittance amount related to the remittance request to the identified second account based on the transfer rule. Note that even if one second account corresponds to one first account, the transfer rule corresponding to the first account may indicate a percentage (typically, 100%) or a specified amount for the one second account, as in the above-described embodiment.

[0057] REFERENCE SIGNS LIST 1 System 10 Terminal device 11 Communication unit 12 Input / output unit 13 Storage unit 14 Control unit 200 Server 210 First server device 211 First communication unit 212 First storage unit 213 First control unit 220 Second server device 221 Second communication unit 222 Second storage unit 223 Second control unit 30 Network

Claims

1. A remittance method executed by an information processing device, comprising: storing, for each of one or more first accounts, information indicating one corresponding second account and transfer rule; upon receiving a remittance request from a user specifying a first account as the remittance destination, identifying one or more second accounts and transfer rules corresponding to said first account; and transferring at least a portion of the remittance amount related to said remittance request to said identified one or more second accounts based on said identified transfer rule.

2. A remittance method as claimed in claim 1, wherein the information processing device stores, for each of one or more first accounts, information indicating a plurality of corresponding second accounts and transfer rules, and when a plurality of second accounts corresponding to the first account that is the remittance destination are identified, allocates and transfers the remittance amount related to the remittance request to the identified second accounts based on the identified transfer rules.

3. A remittance method according to claim 2, wherein the transfer rule indicates a ratio corresponding to each of the plurality of second accounts, and the information processing device transfers the remittance amount to the plurality of second accounts in proportion to the ratio indicated in the transfer rule.

4. A remittance method as claimed in claim 2, further comprising, upon receiving the remittance request from the user, transferring funds of the remittance amount to a third account, wherein the information processing device allocates and transfers the funds of the remittance amount from the third account to the plurality of second accounts based on the transfer rule.

5. A remittance method according to claim 2, wherein the information processing device allocates and remits the remittance amount to the plurality of second accounts based on the transfer rule, without transferring the funds to the first account.

6. A remittance method according to claim 2, further comprising outputting information indicating the total remittance amount relating to a plurality of remittance requests for which the first account is the remittance destination and accepted during a predetermined period, and the individual remittance amounts of the total remittance amount remitted to each of the plurality of second accounts.

7. A remittance method as set forth in claim 2, wherein the information processing device allocates and remits the remittance amount to the plurality of second accounts based on the transfer rule by transmitting a transfer notification to the respective opening institutions of the plurality of second accounts or to a nationwide bank data communication system.

8. A program that causes a computer to perform operations including: storing, for each of one or more first accounts, information indicating one or more corresponding second accounts and transfer rules; upon receiving a remittance request from a user specifying a first account as the remittance destination, identifying one or more second accounts and transfer rules corresponding to said first account; and transferring at least a portion of the remittance amount related to said remittance request to said identified one or more second accounts based on said identified transfer rules.

9. An information processing device having a memory unit and a control unit, wherein the memory unit stores information indicating one or more corresponding second accounts and transfer rules for each of one or more first accounts, and the control unit, upon receiving a remittance request from a user specifying a first account as the remittance destination, identifies one or more second accounts and transfer rules corresponding to the first account, and transfers at least a portion of the remittance amount related to the remittance request to the identified one or more second accounts based on the identified transfer rules.

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