JP6847169B2 - Remittance control system, remittance control method, and program - Google Patents

Description

The present invention relates to remittance control systems, remittance control methods, and programs.

Conventionally, a technique for sending money to a recipient designated by the sender has been known. In Patent Document 1, if the recipient has registered a bank account, the remittance process is executed as it is, and if the recipient has not registered a bank account, the remittance process is waited until the recipient registers the bank account. The system to be used is described.

International Publication No. WO2006 / 054503

However, in the technique of Patent Document 1, the remittance process is automatically executed only by registering the bank account of the recipient, so that the convenience of the sender or the recipient cannot be sufficiently improved. For example, if the sender makes a mistake in the remittance amount, a refund or additional remittance will be required by the difference from the correct remittance amount, or if the sender makes a mistake in the recipient, the recipient will be sent to the sender. The remittance process as described above may be inconvenient for the sender or recipient because of the need for a refund.

An object of the present invention is to provide a remittance control system, a remittance control method, and a program capable of improving the convenience of a sender or a recipient.

In order to solve the above problems, the remittance control system according to the present invention remittance based on the remittance information receiving means for receiving the remittance information of the recipient who receives the remittance from the sender device and the remittance information. A remittance information recording means that acquires remittance information indicating the contents and records it in the remittance information storage means, and an inquiry information transmitting means that transmits inquiry information indicating whether or not to receive the remittance to the recipient device based on the remittance information. Remittance to determine whether or not to execute a process for remittance with the contents indicated by the remittance information based on the remittance information receiving means for receiving the response information to the inquiry from the recipient device and the remittance information. It is characterized by including a judgment means.

It is a figure which shows an example of the whole structure of the remittance control system which concerns on embodiment of this invention. It is a figure which shows an example of the terms of use screen. It is a figure which shows an example of the recipient designation screen. It is a figure which shows an example of the remittance content input screen. It is a figure which shows an example of the remittance content confirmation screen. It is a figure which shows an example of the message display screen when a recipient has registered a receiving account. It is a figure which shows an example of the receiving screen when the recipient has registered the receiving account. It is a figure which shows an example of a question screen. It is a figure which shows an example of the change request screen. It is a figure which shows an example of a question notification screen. It is a figure which shows an example of the remittance decline screen. It is a figure which shows an example of a new recipient designation screen. It is a figure which shows an example of the message display screen when the recipient has not registered the receiving account. It is a figure which shows an example of the receiving screen when the recipient has not registered the receiving account. It is a functional block diagram of the remittance control system 1 in this embodiment. It is a figure which shows an example of an account database. It is a figure which shows an example of the receiving account database. It is a figure which shows an example of a transaction information database. It is a figure which shows the process executed in the remittance control system. It is a figure which shows the process executed in the remittance control system. It is a figure which shows the process executed in the remittance control system. It is a figure which shows the process executed in the remittance control system. It is a figure which shows an example of the posting screen for displaying the posting content.

[1. Overall configuration of remittance control system]
Hereinafter, examples of embodiments of the present invention will be described in detail with reference to the drawings. FIG. 1 is a diagram showing an example of the overall configuration of the remittance control system according to the embodiment of the present invention. As shown in FIG. 1, in the present embodiment, each of the remittance control system 1, the AC system 20, the remittance person device 30, and the recipient device 40 is connected so as to be able to transmit and receive data via the network 2.

The remittance control system 1 is under the control of a bank and manages various information such as the bank's account. The remittance control system 1 includes a remittance control server 10. The remittance control server 10 is a server computer and includes a control unit 11, a storage unit 12, and a communication unit 13. The control unit 11 includes, for example, one or more microprocessors. The storage unit 12 includes, for example, a main storage unit such as a RAM (Random Access Memory) and an auxiliary storage unit such as a hard disk. The control unit 11 executes processing according to the programs and data stored in the storage unit 12. The communication unit 13 includes a network card and is capable of transmitting and receiving data to and from the outside via the network 2.

The AC system 20 includes one or a plurality of server computers, and provides a service for a plurality of users to interact with each other. For example, the alternating current system 20 provides an SNS (Social Networking Service). Each user operates a computer (including the remittance device 30 and the recipient device 40) to view sentences and images posted by other users and send / receive messages to / from other users to SNS. You can interact using. Furthermore, in SNS, each user can also make friendships with other users. The exchange system 20 stores data indicating a user who has a friendship with each user, and the user can preferentially communicate with the user who has a friendship. For example, the exchange system 20 notifies each user when a user who has a friendship posts a sentence or an image, or makes the sentence or the image posted by the user open to the user who has a friendship.

The remittance person device 30 is a computer operated by the remittance person, and is, for example, a mobile phone, a personal computer, or the like. The remittance person device 30 includes a control unit 31, a storage unit 32, a communication unit 33, an operation unit 34, and a display unit 35. Since the hardware configurations of the control unit 31, the storage unit 32, and the communication unit 33 are substantially the same as those of the control unit 11, the storage unit 12, and the communication unit 13, the description thereof will be omitted. The operation unit 34 is an input device (for example, a touch panel) for the user to perform an operation. The display unit 35 is a monitor that displays various screens.

The recipient device 40 is a computer operated by the recipient, such as a mobile phone or a personal computer. The recipient device 40 includes a control unit 41, a storage unit 42, a communication unit 43, an operation unit 44, and a display unit 45. Since these hardware configurations are substantially the same as those of the control unit 31, the storage unit 32, the communication unit 33, the operation unit 34, and the display unit 35, the description thereof will be omitted.

The hardware configuration of each computer described above may be a general one, and the hardware configuration is not limited to the above example. Further, the programs and data described as being stored in each computer may be supplied as those stored in a computer-readable information storage medium (for example, a memory card), or may be supplied via a network. It may be supplied.

[2. About the overall flow of remittance]
The remittance control system 1 executes a process for the sender to send money to the recipient. It is assumed that the remittance person has an account at the bank that manages the remittance control system 1 (hereinafter, simply referred to as the Bank) and has completed the predetermined user registration. Therefore, the remittancer is in a state where he / she can use various online services provided by the Bank. In the present embodiment, the remittance person can use a service (hereinafter referred to as SNS remittance service) in which a recipient is designated from among friends in SNS to remit money. When the sender uses the SNS remittance service, the terms of use screen for accepting the predetermined terms of use is displayed on the display unit 35.

FIG. 2 is a diagram showing an example of the terms of use screen. As shown in FIG. 2, the terms of use screen 50 displays the terms to be observed when using the service. When the remittancer checks the check box 51 to the effect that he / she accepts the terms and selects the button 52, the remittance control system 1 can acquire data indicating the friendship of the remittance person in the SNS from the exchange system 20. Become. After that, when the remittance person performs a predetermined operation, a recipient designation screen for selecting a recipient from friends in the SNS is displayed on the display unit 35.

FIG. 3 is a diagram showing an example of a recipient designation screen. As shown in FIG. 3, the recipient designation screen 60 shows user images 61B to 61J (hereinafter, these) showing users B to J who have a friendship with the sender (here, user A) on the SNS. Are collectively referred to simply as the user image 61). As will be described in detail later, each user image 61 can identify whether or not the recipient's receiving account belongs to the Bank and whether or not the recipient has registered the receiving account. The remittance person can designate the user indicated by the user image 61 as the recipient by dragging and dropping any user image 61 into the predetermined area 62. When the sender specifies the recipient, the remittance content input screen for inputting the remittance content is displayed.

FIG. 4 is a diagram showing an example of a remittance content input screen. As shown in FIG. 4, the remittance content input screen 70 displays the remittance recipient 71 designated by the remittance person and the remittance person's account balance 72. The sender inputs the remittance amount in the input form 73, and if necessary, inputs a message to the recipient in the input form 74. The remittance fee 75 may be paid by the points held by the sender in the electronic commerce system or the like with which the Bank is affiliated by selecting from the input form 76. In addition, if the remittance is between the banks and the recipient also approves the terms of use of the SNS remittance service, the remittance fee 75 will be free and the input form 76 will not be displayed. When the sender selects the confirmation button 77, a remittance content confirmation screen for confirming the remittance content is displayed on the display unit 35.

FIG. 5 is a diagram showing an example of a remittance content confirmation screen. As shown in FIG. 5, the remittance content confirmation screen 80 displays a recipient 81 designated by the sender, a remittance amount 82 designated by the sender, a message 83 entered by the sender, and a remittance fee 84. Here, information 85 indicating whether or not the sender uses the points to pay the remittance fee is also displayed. When the sender selects the correction button 86, the screen returns to the remittance content input screen 70, and the remittance content can be modified. On the other hand, when the remittance person inputs a predetermined password in the input form 87 and selects the remittance button 88, the remittance control server gives a remittance instruction to the effect that the remittance is performed with the remittance contents input by the remittance person together with the information indicating each input content. It can be transmitted to 10.

When the remittance control server 10 receives the remittance instruction from the remittance device 30, the remittance control server 10 requests the exchange system 20 to send a predetermined message to the recipient's SNS account using the SNS. Upon receiving the request, the exchange system 20 generates a message to notify the recipient. In the present embodiment, a case where each user inquires the recipient whether or not to receive the remittance by using the message function for designating another user and sending a message will be described as an example. You may make an inquiry by the method of (details will be described later). When the recipient performs a predetermined operation on the recipient device 40, a message display screen for displaying the message is displayed on the display unit 45. Here, the flow of receipt differs depending on whether the recipient has registered a receiving account or not. First, a message display screen when the recipient has registered a receiving account will be described.

FIG. 6 is a diagram showing an example of a message display screen when the recipient has registered a receiving account. As shown in FIG. 6, the message display screen 90 uniquely identifies the remittance amount 91 specified by the remittance person, the message 92 entered by the remittance person, and each remittance as the message sent by the SNS account of the remittance person. The transaction number 93 and the link 94 for accessing the remittance control server 10 are displayed. As shown in FIG. 6, the transaction number is stored as an argument in the link 94. Therefore, when the recipient selects the link 94, the remittance control server 10 is accessed with the transaction number, so that the remittance control server 10 can specify which remittance should be processed. When the recipient accesses the remittance control server 10 from the link 94, the receiving screen for receiving the remittance is displayed on the display unit 45.

FIG. 7 is a diagram showing an example of a receiving screen when the recipient has registered a receiving account. As shown in FIG. 7, the remittance screen 100 displays the remittance date 101, the remittance person 102, the remittance amount 103, and the message 104 input by the remittance person. When the recipient selects the inquiry button 105, a question screen for asking a question to a common friend of the sender and the recipient is displayed on the display unit 35.

FIG. 8 is a diagram showing an example of a question screen. As shown in FIG. 8, a friend image 121 showing a common friend of the sender and the recipient is displayed on the question screen 120. The friend displayed in the friend image 121 may be a common friend who has been designated as a recipient by the sender. The recipient selects a question partner from the common friends shown in the friend image 121. When the recipient selects a question partner, inputs the question content in the input form 122, and then selects the send button 123, the question content is sent to the question partner. The answer from the questioner is notified to the recipient via the remittance control server 10 or the exchange system 20.

Returning to FIG. 7, when the recipient selects the change request button 106, a change request screen for changing the remittance amount specified by the sender is displayed on the display unit 35. FIG. 9 is a diagram showing an example of a change request screen. As shown in FIG. 9, on the change request screen 130, the recipient inputs the changed remittance amount in the input form 131, and if necessary, inputs a message addressed to the sender in the input form 132. If you select the send button 133, you can change the remittance amount.

Returning to FIG. 7, when the recipient selects the receive button 107, the remittance can be received with the remittance contents specified by the sender. On the other hand, when the recipient inputs the content of the question to the sender in the input form 108 and selects the question button 109, the content of the question can be transmitted to the sender. On the display unit 35 of the remittance person device 30 of the remittance person, a question notification screen 140 for displaying the received question content is displayed on the display unit 35.

FIG. 10 is a diagram showing an example of a question notification screen. As shown in FIG. 10, the question content 141 from the recipient is displayed on the question notification screen 140. The sender can send the answer to the recipient by entering the answer in the input form 142 and selecting the submit button 143. This answer may be made from either the remittance control server 10 or the AC system 20. The recipient will check the response before deciding whether or not to receive the remittance.

Returning to FIG. 7, when the recipient inputs a message to the sender in the input form 110 and selects the receipt decline button 111, the recipient can decline the remittance from the sender. When the recipient selects the receipt decline button 111, a remittance decline screen for notifying the sender that the recipient has declined receipt is displayed on the display unit 35.

FIG. 11 is a diagram showing an example of a remittance decline screen. As shown in FIG. 11, the remittance decline screen 150 indicates that the recipient has declined the remittance. If the recipient has entered a message, that message 151 is also displayed.

Returning to FIG. 7, when the recipient selects the transfer button 112, a new recipient designation screen for transferring the remittance from the sender to a common friend is displayed on the display unit 35. FIG. 12 is a diagram showing an example of a new recipient designation screen. As shown in FIG. 12, a friend image 161 showing a common friend of the sender and the recipient is displayed on the new recipient designation screen 160. The recipient selects a forwarding partner from the friends shown in the friend image 161. The recipient can also enter a message to the forwarding party in the input form 162. When the recipient selects the transfer button 163, the recipient from the sender is changed to the recipient specified on the new recipient designation screen 160.

In the above, the flow of receipt when the recipient has registered the receiving account has been explained, but when the recipient has not registered the receiving account, the receiving account is specified for receiving. The recipient is notified of a message including the URL for displaying the screen of.

FIG. 13 is a diagram showing an example of a message display screen when the recipient has not registered a receiving account. Unlike FIG. 6, the message display screen 170 shown in FIG. 13 displays a message 171 prompting to specify a receiving account. The point that the link 172 includes the argument of the transaction number is the same as that of the link 94. When the recipient selects the link 172, the remittance control server 10 is accessed with the transaction number, the remittance account is registered, and the remittance screen for receiving the remittance is displayed on the display unit 35.

FIG. 14 is a diagram showing an example of a receiving screen when the recipient has not registered a receiving account. The receiving screen 180 shown in FIG. 14 is different from FIG. 7, and the user can register the bank's account in the receiving account and receive the remittance by selecting the bank receiving button 181. On the other hand, the user can register the account of the other bank in the receiving account and receive the remittance by selecting the other bank receiving button 182.

As described above, in the present embodiment, the convenience of the sender or the recipient is improved by giving the remittance an interactive property. Hereinafter, the details of the technique will be described.

[3. Functions realized in the remittance control system]
FIG. 15 is a functional block diagram of the remittance control system 1 according to the present embodiment. As shown in FIG. 15, in the present embodiment, the information storage unit 201, the information acquisition unit 204, the recipient information reception unit 206, the remittance information recording unit 207, the inquiry information transmission unit 208, the response information reception unit 209, and the remittance determination unit 210, friend information receiving unit 211, recipient information receiving unit 214, request transmitting unit 215, question screen transmitting unit 216, new recipient information receiving unit 217, new recipient information receiving unit 218, change request screen transmitting unit 219. , The change request receiving unit 220, and the change processing execution unit 221 are realized.

[Information storage unit]
The information storage unit 201 is mainly realized by the storage unit 12. The information storage unit 201 stores various data necessary for remittance from the sender to the recipient.

For example, the information storage unit 201 stores an account database that stores various information related to the Bank's account. FIG. 16 is a diagram showing an example of an account database. As shown in FIG. 16, the account database stores the branch number, account number, account holder, and account balance of the account. When a bank account is opened, a new record is added to the account database and the account balance is updated according to the transaction status of the account holder. In addition, other information such as the account type may be stored in the account database.

Further, the receiving account storage unit 202 of the information storage unit 201 stores a receiving account database in which the SNS account and the receiving account information of the remittance are associated with each other. FIG. 17 is a diagram showing an example of a receiving account database. As shown in FIG. 17, the receiving account database stores the receiving account information for each SNS account. The receiving account information stores information that identifies the bank that manages the receiving account (for example, a bank code), the branch number of the account, the account number, the account holder, the registration date, and the cancellation date. When a user having an SNS account operates his / her own computer (for example, the payee device 40) and inputs the receiving account information, the remittance control server 10 acquires the input contents and inputs the SNS account and the input. It will be registered in the receiving account database in association with the received receiving account information. The input of the receiving account information may be performed after the bank receiving button 181 or the other bank receiving button 182 of the receiving screen 180 shown in FIG. 14 is selected, or is performed when another predetermined screen is displayed. May be good. The registration date stores the date when the receiving account information is registered in the receiving account database, and the cancellation date is a predetermined operation for canceling the receipt at the receiving account indicated by the registered receiving account information. The date is stored.

Further, the remittance information storage unit 203 of the information storage unit 201 stores a transaction information database that stores remittance information indicating the remittance content. FIG. 18 is a diagram showing an example of a transaction information database. As shown in FIG. 18, remittance information (eg, sender identification information, recipient identification information, remittance amount, remittance fee, and remittance status status) associated with the transaction number is stored in the transaction information database. The remittance information stored in the transaction information database can be said to indicate remittances waiting for remittance processing. As the remittance person identification information, the information for identifying the remittance person may be stored, and the SNS account of the remittance person may be stored, or the name and account of the remittance person may be stored. Similarly, the recipient identification information may store information that identifies the recipient, may store the recipient's SNS account, or may store the recipient's name or account. .. The remittance status status stores information that identifies the current status of each remittance (eg, remittance completed, remittance awaiting approval by recipient, rejected by recipient, etc.).

The data stored in the information storage unit 201 is not limited to the above example. For example, the information storage unit 201 may store various information (user account, login password, information for identifying the Bank account, association of the SNS account, etc.) regarding the user registered in the remittance control system 1. .. Further, for example, the information storage unit 201 may store the message input by the sender in association with the transaction number or the remittance information. Further, the information storage unit 201 may store the association between the bank account and the personal identification number. Alternatively, for example, the information storage unit 201 may store data relating to the history of remittances made in the past.

[Information acquisition department]
The information acquisition unit 204 is mainly realized by the control unit 11. The information acquisition unit 204 acquires various information stored in the information storage unit 201. Here, the account information acquisition unit 205 of the information acquisition unit 204 acquires the stored contents of the receiving account storage unit 202.

[Recipient information receiver]
The recipient information receiving unit 206 is mainly realized by the control unit 11 and the communication unit 13. The recipient information receiving unit 206 receives the recipient information of the recipient who receives the remittance (here, the recipient designated on the recipient designation screen 60) from the sender device 30. The recipient information may be any information for identifying the recipient designated by the sender, for example, the identification information of the recipient's SNS account or the user image 61. When acquiring the SNS account as the recipient information, the remittance control server 10 transmits the SNS account of the user who has a friendship with the remittance person to the remittance person device 30 in association with the user image 61. To do. On the other hand, when the identification information of the user image 61 is acquired as the recipient information, the identification information of the user image 61 and the data indicating the association of the SNS account are stored in the information storage unit 201, and the user image designated by the user. From the identification information of 61, it is assumed that the SNS account of the recipient specified by the user can be specified on the remittance control server 10 side.

[Remittance Information Recording Department]
The remittance information recording unit 207 is mainly realized by the control unit 11. The remittance information recording unit 207 acquires remittance information indicating the remittance content based on the recipient information and records it in the remittance information storage unit 203. Here, the case where the remittance information recording unit 207 generates the remittance information will be described, but the remittance information recording unit 207 will generate the remittance information generated by a system other than the remittance information recording unit 207 (for example, a system other than the remittance control system 1). You may try to get it. For example, the remittance information recording unit 207 issues a transaction number based on a predetermined transaction number issuing rule. Then, the remittance information recording unit 207 stores the transaction number, the sender identification information, the recipient identification information, the remittance amount, and the current date and time in a new record. It is assumed that the remittance control server 10 receives the remittance person identification information and the remittance amount together with the remittance instruction.

In addition, the remittance information recording unit 207 executes a process for reducing the account balance of the sender based on the remittance amount indicated by the remittance information. Here, the remittance information recording unit 207 identifies the remittance person's account and the account balance indicated by the remittance person identification information by referring to the account database, and calculates the total amount of the remittance amount and the remittance fee from the remittance person's account balance. Reduce.

[Inquiry information transmitter]
The inquiry information transmission unit 208 is mainly realized by the control unit 11 and the communication unit 13. The inquiry information transmission unit 208 transmits inquiry information indicating whether or not to receive the remittance to the recipient device 40 based on the remittance information. The inquiry information is information for displaying a screen asking whether or not to receive the remittance, and here, it is display information of the receiving screen 100 or 180.

In the present embodiment, the inquiry information transmitting unit 208 identifies the remittance control system 1 when the recipient device 40 that has received the link 94 or 172 accesses the remittance control system 1 with the identification information (here, the transaction number of the argument). Inquiry information is transmitted to the recipient device 40 based on the remittance information identified by the information. That is, the inquiry information transmitting unit 208 identifies the remittance information associated with the transaction number received from the recipient device 40, generates and transmits the inquiry information indicating whether or not to receive the remittance indicated by the remittance information. become.

[Answer information receiver]
The response information receiving unit 209 is mainly realized by the control unit 11 and the communication unit 13. The response information receiving unit 209 receives the response information for the inquiry from the recipient device. In the present embodiment, the input content of the recipient on the receiving screen 100 or 180 corresponds to the response information.

[Remittance Judgment Department]
The remittance determination unit 210 is mainly realized by the control unit 11. Based on the response information, the remittance determination unit 210 determines whether or not to execute the process for remittance with the contents indicated by the remittance information. If the response information indicates that the remittance will be received, the remittance determination unit 210 automatically executes the remittance process based on the remittance information (remittance without further operation by the remittance person to the remittance person device 30). Execute the process), and if the response information indicates that the remittance will not be received, the remittance process will not be executed. A known method can be applied to the remittance process itself. For example, in the case of remittance to the Bank, the remittance determination unit 210 increases the account balance of the recipient stored in the account database by the remittance amount. On the other hand, in the case of remittance to another bank, the remittance determination unit 210 requests the external system that executes the remittance to the other bank to remit to the other bank with the remittance content indicated by the remittance information.

[Friend information receiver]
The friend information receiving unit 211 is mainly realized by the control unit 11 and the communication unit 13. The friend information receiving unit 211 receives friend information indicating the friend relationship of each user stored in the exchange system 20. In addition to the SNS account that has a friendship with a certain SNS account, the friend information may store the name and image of the friend. Here, the remittance person friend information receiving unit 212 of the friend information receiving unit 211 receives the SNS account of the user related to the remittance person from the exchange system for providing the service for interacting with a plurality of users including the remittance person. .. On the other hand, the recipient friend information receiving unit 213 receives an SNS account that identifies a user related to the recipient from the exchange system.

[Recipient designation screen transmitter]
The recipient designation screen transmission unit 214 is mainly realized by the control unit 11 and the communication unit 13. Remittance designation screen The transmission unit 214 displays the display information of the recipient designation screen 60 for designating the recipient from the users related to the remittance, based on the SNS account received by the remittance friend friend information reception unit 212. , Send to the remittance person device 30. The recipient designation screen transmitter 214 refers to the friend information associated with the sender's SNS account and identifies the SNS account having a friendship. Then, the recipient designation screen transmission unit 214 generates and transmits the display information of the recipient designation screen 60 including the user image 61 that identifies the user indicated by the specified SNS account.

In the present embodiment, the recipient designation screen transmission unit 214 transfers the information of at least one user (here, the user image 61) included in the recipient designation screen 60 to the receiving account associated with the user identification information of the user. Make a decision based on the information and send the display information. For example, the recipient designation screen transmission unit 214 displays the information (here, the user image 61) for designating at least one user included in the recipient designation screen 60 as the recipient, in the SNS account of the user. Determined based on the receiving account information associated with. The recipient designation screen transmission unit 214 determines the display mode of the user image 61 so that the receiving account information associated with the user's SNS account indicated by the user image 61 can be identified.

In the present embodiment, the recipient designation screen transmission unit 214 is information for identifying whether or not the receiving account of at least one user included in the recipient designation screen 60 belongs to a predetermined bank (here, the Bank). (Here, the user image 61) is determined based on the receiving account information associated with the user identification information of the user. For example, in the recipient designation screen transmission unit 214, the first region of each user image 61 (in FIG. 3, the left half of the ring shown by the user image 61) is the first display mode (for example, the first color. In the case of (indicated by halftone dots in FIG. 3), the receiving account of the user is that of the Bank. On the other hand, when the first area is the second display mode (for example, the second color; shown by diagonal lines in FIG. 3), the receiving account of the user is that of another bank, or the receiving account. Indicates that is not registered in the first place.

Further, in the present embodiment, the recipient designation screen transmission unit 214 identifies whether or not at least one user included in the recipient designation screen 60 has registered the receiving account information in the receiving account storage unit 202 (information that identifies whether or not the receiving account information is registered in the receiving account storage unit 202. Here, the user image 61) is determined based on the receiving account information associated with the user identification information of the user. For example, in the recipient designation screen transmission unit 214, the second region of each user image 61 (in FIG. 3, the right half of the ring shown by the user image 61) has a third display mode (for example, a third color). In the case of FIG. 3 (shown in white), it means that the user has registered the receiving account, and the second area is the fourth display mode (for example, the fourth color. Here, the fourth color). In the case of (indicated by diagonal lines as in color 2), it indicates that the user has not registered a receiving account.

In the above, the case where the recipient designation screen transmission unit 214 makes the receiving account information identifiable by color as an example of the display mode of the user image 61 has been described, but the method of distinguishing the display mode is color. Not limited. Alternatively, for example, the recipient designation screen transmission unit 214 may be able to identify the receiving account information by at least one of the size, brightness, and pattern of the user image 61.

[Request transmitter]
The request transmission unit 215 is mainly realized by the control unit 11 and the communication unit 13. The request transmission unit 215 sends a transmission request of link 94 or 172 for accessing the remittance control system 1 with identification information (for example, transaction number) that identifies the remittance information based on the remittance information. It is transmitted to the exchange system 20 together with the SNS account. The request transmission unit 215 identifies the recipient's SNS account with reference to the recipient information. Then, the request transmission unit 215 refers to the transaction information database and specifies the transaction number of the remittance designated by the recipient. The request transmission unit 215 generates a link 94 or 172 including the specified transaction number as an argument, and transmits the link 94 or 172 together with the recipient's SNS account to the exchange system 20. It is assumed that the URL of the part other than the argument of the link 94 or 172 is stored in the information storage unit 201 in advance.

[Question screen transmitter]
The question screen transmission unit 216 is mainly realized by the control unit 11 and the communication unit 13. The question screen transmitter 216 asks a question from among the users related to the sender and the recipient based on the SNS account that identifies the user related to the sender and the SNS account that identifies the user related to the recipient. The display information of the question screen 120 for designating the other party is transmitted to the recipient device 40.

The question screen transmitter 216 shares the user whose SNS account is stored in both the friend information associated with the sender's SNS account and the friend information associated with the recipient's SNS account. Identify as a friend. Then, the question screen transmission unit 216 generates and transmits the display information of the question screen 120 including the friend image 121 showing the specified common friend.

The question screen transmission unit 216 generates and transmits the display information of the question screen 120 including the friend image 121 indicating the friend who has received the remittance from the sender among the common friends specified above. You may. In this case, the information storage unit 201 stores data indicating the history of past remittances by the sender, and the question screen transmission unit 216 refers to the data from the sender among common friends. Identify friends who have received remittances. Further, in the friend image 121 as well as the user image 61, the identification information of the friend image 121 and the association data with the SNS account are stored in the information storage unit 201 so that the remittance control server 10 can identify the question partner specified by the recipient. It may be stored, or the question screen transmission unit 216 may transmit a common friend's SNS account together with the display information of the question screen 120.

[New recipient designation screen transmitter]
The new recipient designation screen transmission unit 217 is mainly realized by the control unit 11 and the communication unit 13. The new recipient designation screen transmitter 217 is based on the SNS account that identifies the user related to the sender and the SNS account that identifies the user related to the recipient, and the sender and the user related to the recipient. The display information of the new recipient designation screen 160 for designating a new recipient is transmitted to the recipient device 40. The method for the new recipient designation screen transmission unit 217 to identify a common friend is the same as the method described for the question screen transmission unit 216. The new recipient designation screen transmission unit 217 generates and transmits the display information of the new recipient designation screen 160 including the friend image 161 showing the specified common friend.

[New recipient information receiver]
The new recipient information receiving unit 218 is mainly realized by the control unit 11 and the communication unit 13. The new recipient information receiving unit 218 receives the new recipient information of the new recipient designated on the new recipient designation screen 160 from the recipient device 40. Like the recipient information, the new recipient information may be information that identifies the new recipient, for example, the identification information of the SNS account of the new recipient or the friend image 161 selected by the recipient. Further, when acquiring an SNS account as new recipient information, the new recipient designation screen transmission unit 217 is supposed to associate the SNS account of a common friend with the user image 61 and transmit it to the remittance device 30. To do. On the other hand, when the identification information of the friend image 161 is acquired as the recipient information, the identification information of the friend image 161 and the data indicating the association of the SNS account are stored in the information storage unit 201, and the friend image designated by the user. From the identification information of 161 it is assumed that the SNS account of the friend designated by the recipient can be specified on the remittance control server 10 side.

In the present embodiment, when the recipient designates a new recipient, the remittance determination unit 210 executes a process for the new recipient to receive the remittance based on the new recipient information and the remittance information. For example, the remittance determination unit 210 changes the recipient identification information of the remittance information to indicate a new recipient. The remittance determination unit 210 may change the remittance identification information when the remittance performs a predetermined operation for approving a new recipient. Further, the inquiry information transmitting unit 208 may transmit the inquiry information to the new recipient's recipient device 40, and the response information receiving unit 209 may respond from the new recipient's recipient device 40. Information may be received. In this case, the remittance determination unit 210 performs the remittance process based on the remittance information in which the recipient identification information indicating the new recipient is stored, based on the response information received from the recipient device 40 of the new recipient. You may decide whether or not.

[Change request screen transmitter]
The change request screen transmission unit 219 is mainly realized by the control unit 11 and the communication unit 13. The change request screen transmission unit 219 transmits the display information of the change request screen 130 for making a change request of the remittance amount indicated by the remittance information to the recipient device 40. Here, the case where the recipient can specify the changed remittance amount on the change request screen 130 will be described, but the changed remittance amount may be specified by the sender.

[Change request receiver]
The change request receiving unit 220 is mainly realized by the control unit 11 and the communication unit 13. Receive a change request from the recipient device 40. The change request may be a notification in a predetermined format, and the change request receiving unit 220 receives a change request from the recipient device 40 when a predetermined operation for changing the remittance amount is performed in the recipient device 40. To do. If the recipient specifies the changed remittance amount, the specified remittance amount shall be included in the change request.

[Change processing execution unit]
The change processing execution unit 221 is mainly realized by the control unit 11. When the change request is received, the change processing execution unit 221 executes a process for changing the remittance amount indicated by the remittance information. The remittance determination unit 210 may change the remittance amount indicated by the remittance information, or after deleting the remittance information from the transaction information database, newly acquire the remittance information indicating the changed remittance amount and make a transaction. It may be stored in the information database. When newly acquiring remittance information, the information other than the remittance amount in the remittance information shall be the same as before the change.

In the present embodiment, the change processing execution unit 221 executes a process for changing the remittance amount within the range of the remittance amount indicated by the remittance information. The range of the remittance amount indicated by the remittance information means that the remittance amount after the change is smaller than the original remittance amount. The remittance determination unit 210 may change the remittance amount when the remittance person performs a predetermined operation for approving the changed remittance amount.

[4. Process executed in the embodiment]
19 to 22 are diagrams showing the processes executed by the remittance control system 1. Here, the control units 11, 31, and 41 operate according to the programs stored in the storage units 12, 32, and 42, respectively, and the server computer in the AC system 20 operates according to the programs, whereby FIGS. 19 to 19 to FIG. The process shown in 22 is executed, and each functional block is realized. It is assumed that the remittancer has agreed to the terms of use when the processing shown below is executed.

As shown in FIG. 19, first, in the remittance person device 30, the control unit 31 transmits a display request of the recipient designation screen 60 to the remittance control server 10 (S1). In S1, the control unit 31 transmits information for identifying the sender (for example, a bank account or an SNS account) together with the display request, and the remittance control server 10 can identify the sender's SNS account. ing.

When the remittance control server 10 receives the display request, the control unit 11 acquires the friend information associated with the remittance person's SNS account from the exchange system 20 (S2). In S2, the control unit 11 transmits a request for acquisition of friend information associated with the SNS account of the sender together with the SNS account of the sender to the exchange system 20. When the exchange system 20 receives the request, the exchange system 20 reads the friend information associated with the remittance person's SNS account from its own memory and transmits it to the remittance control server 10.

The control unit 11 specifies whether or not the receiving account information is registered in the receiving account database for each of the friend's SNS accounts indicated by the friend information (S3). The control unit 11 identifies the bank of the receiving account of the user who has registered the receiving account information (S4). The control unit 11 determines the display mode of the user image 61 based on the specific results of S3 and S4 (S5). In S5, the control unit 11 displays the display mode of the user image 61 of the friend for each friend indicated by the friend information, whether the friend's receiving account is the Bank or another bank, and the friend's receiving account information. Will be decided based on whether or not is registered.

The control unit 11 generates the display information of the recipient designation screen 60 and transmits it to the remittance person device 30 (S6). In S6, it is assumed that the control unit 11 also refers to the account database and transmits information indicating the remittance person's account balance. Further, it is assumed that the control unit 11 also transmits information indicating the association between the identification information of the user image 61 generated in S5 and the SNS account of the user indicated by the user image 61.

When the remittance person device 30 receives the display information, the control unit 31 causes the display unit 35 to display the recipient designation screen 60 (S7). The control unit 31 determines whether or not the remittancer operates the operation unit 34 to specify the recipient (S8). In S8, the control unit 31 determines whether or not any user image 61 has been dragged and dropped into the predetermined area 62.

When it is determined that the recipient has been designated (S8; Y), the control unit 31 displays the remittance content input screen 70 on the display unit 35 (S9). In S9, the control unit 31 displays the remittance content input screen 70 based on the user image 61 of the recipient designated by the remittance person and the account balance received from the remittance control server 10. After that, the input from the operation unit 34 is received, and the control unit 31 reflects the remittance amount specified by the operation unit 34 in the input form 73, and reflects the message input from the operation unit 34 in the input form 74.

The control unit 31 determines whether or not the confirmation button 77 has been selected (S10). When it is determined that the confirmation button is selected (S10; Y), the control unit 31 causes the remittance content confirmation screen 80 to be displayed on the display unit 35 based on the input content on the remittance content input screen 70 (S11). The control unit 31 identifies the button selected by the remittancer based on the input from the operation unit 34 (S12).

When the sender selects the correction button 86 (S12; correction button), the process returns to the process of S9. In this case, the remittance content is input again on the remittance content input screen 70. On the other hand, when the remittance person selects the remittance button 88 (S12; remittance button), the control unit 31 transmits the remittance instruction to the remittance control server (S13). In S13, the control unit 31 transmits the specified contents (remittance information, remittance amount, message, etc.) on the remittance content input screen 70 together with the remittance instruction.

When the remittance control server 10 receives the remittance instruction, the control unit 11 refers to the account database and reduces the remittance person's account balance by the sum of the remittance amount and the remittance fee (S14). The control unit 11 acquires the remittance information and registers it in the transaction information database (S15). In S15, the control unit 11 issues the transaction number, the sender's SNS account, the recipient's SNS account, the remittance amount, the remittance fee, the current time, and the remittance status status (for example, waiting for the recipient's approval). The value indicating the status) is associated and stored in the transaction information database. The control unit 11 calculates the remittance fee based on a predetermined calculation method.

The control unit 11 refers to the receiving account database and determines whether or not the receiving account information is registered by the recipient (S16). In S16, the control unit 11 determines whether or not the receiving account information is registered in association with the recipient's SNS account.

When it is determined that the recipient has registered the receiving account information (S16; Y), the control unit 11 sends a request to the exchange system 20 to access with the transaction number together with the recipient's SNS account. Transmit (S17). Here, it is assumed that the control unit 11 also transmits the link 94 including the remittance amount, the transaction number, and the transaction number specified by the sender as arguments.

Upon receiving the request, the exchange system 20 generates a predetermined message and notifies the recipient's recipient device 40 indicated by the recipient's SNS account (S18). In S18, the exchange system 20 generates the display information of the message display screen 90 and uses the SNS to give a predetermined notification to the SNS account of the recipient. As the method itself for notifying using SNS, various known notification methods can be applied.

When the recipient device 40 receives the notification, the control unit 41 causes the display unit 45 to display the message display screen 90 (S19). Moving on to FIG. 20, the control unit 41 determines whether or not the link 94 including the transaction number as an argument is selected (S20). When it is determined that the link 94 is selected (S20; Y), the control unit 41 accesses the remittance control server 10 with the transaction number (S21).

When the remittance control server 10 receives the access, the control unit 11 generates the display information of the receiving screen 100 based on the transaction number received at the time of the access and transmits it to the recipient device 40 (S22). In S22, the control unit 11 acquires the remittance information associated with the transaction number received from the recipient device 40, and generates the display information of the receiving screen 100 based on the remittance information.

When the recipient device 40 receives the display information, the control unit 41 causes the display unit 45 to display the receiving screen 100 (S23). The control unit 41 determines whether or not the receive button 107 is selected (S24). When it is determined that the receive button 107 is selected (S24; Y), the control unit 41 notifies that the receive button 107 has been selected (S25).

When the remittance control server 10 receives the notification, the control unit 11 executes the remittance process based on the remittance information in the transaction information database (S26), and this process ends. Various known processes can be applied to the process itself of S26, and the control unit 11 executes a process of remittance of the remittance amount indicated by the remittance information to the remittance account of the recipient. When the control unit 11 executes the remittance process, the value of the remittance status status is changed.

On the other hand, when it is not determined that the receive button 107 is selected (S24; N), the control unit 41 determines whether or not the receive decline button 111 is selected (S27). When it is determined that the receipt decline button 111 is selected (S27; Y), the control unit 41 notifies that the receipt decline button 111 has been selected (S28). In S28, if a message has been input to the input form 110, the control unit 41 also transmits the message together with the notification.

When the remittance control server 10 receives the notification, the control unit 11 executes the decline process based on the remittance information in the transaction information database (S29). In S29, the control unit 11 executes a predetermined refund process to the sender's bank account based on the remittance amount indicated by the remittance information. As for this refund process itself, various known processes can be applied. When the refund process is executed, the control unit 11 may delete the remittance information from the transaction information database, or may change the value of the remittance status status while keeping the remittance information.

Then, the control unit 11 generates the display information of the remittance decline screen 150 and transmits it to the remittance person device 30 (S30). When the remittance person device 30 receives the display information, the control unit 31 causes the remittance decline screen 150 to be displayed on the display unit 35 (S31).

On the other hand, when it is not determined that the receipt decline button 111 is selected (S27; N), the control unit 41 determines whether or not the question button 109 is selected (S32). When it is determined that the question button 109 has been selected (S32; Y), the control unit 41 notifies that the question button 109 has been selected (S33). In S33, the control unit 41 transmits the message input to the input form 108 together with the notification.

When the remittance control server 10 receives the notification, the control unit 11 generates the display information of the question notification screen 140 and transmits it to the remittance person device 30 (S34). When the remittance person device 30 receives the display information, the control unit 31 causes the display unit 35 to display the question notification screen 140 (S35). After that, when the sender inputs the answer message in the input form 142 and selects the send button 143, the message is transmitted to the recipient device 40 via the remittance control server 10.

On the other hand, when it is not determined that the question button 109 is selected (S32; N), the process proceeds to FIG. 21, and the control unit 41 determines whether or not the inquiry button 105 is selected (S36). When it is determined that the inquiry button 105 has been selected (S36; Y), the control unit 41 notifies that the inquiry button 105 has been selected (S37).

Upon receiving the notification in the remittance control server 10, the control unit 11 acquires friend information from the exchange system 20 and identifies the SNS account of a common friend of the sender and the recipient (S38). In S38, the control unit 11 exchanges acquisition requests for the SNS accounts of the sender and the recipient, as well as the friend information associated with the SNS account of the sender and the friend information associated with the SNS account of the recipient. This is done for system 20. The exchange system 20 will transmit friend information to the remittance control server 10 in response to the acquisition request.

The control unit 11 generates and transmits the display information of the question screen 120 based on the SNS account specified in S38 (S39). In S39, the control unit 11 generates a friend image 121 based on the SNS account of a common friend, and transmits the display information of the question screen 120 including the friend image 121. It is assumed that the friend's SNS account shown by the friend image 121 is held in the storage unit 12.

When the recipient device 40 receives the display information, the control unit 41 causes the question screen 120 to be displayed on the display unit 45 (S40). After that, when the recipient inputs the question message in the input form 122 and selects the send button 123, the message is sent to the computer operated by the friend. This message may go through the remittance control server 10 or the AC system 20.

On the other hand, when it is not determined that the inquiry button 105 is selected (S36; N), the control unit 41 determines whether or not the change request button 106 is selected (S41). When it is determined that the change request button 106 is selected (S41; Y), the control unit 41 displays the change request screen 130 on the display unit 45 (S42). After that, the input to the input forms 131 and 132 is accepted. In S42, the control unit 41 may accept the input of the changed remittance amount within the range of the remittance amount specified by the remittance person.

The control unit 41 determines whether or not the transmission button 133 is selected (S43). When it is determined that the transmission button 133 is selected (S43; Y), the control unit 41 transmits a request for changing the remittance amount (S44). In S44, if the changed remittance amount is input to the input form 131, the control unit 41 transmits the remittance amount together with the change request. Similarly, if a message has been input to the input form 132, the control unit 41 transmits the message together with the change request.

When the remittance control server 10 receives the change request, the control unit 11 executes the remittance amount change process (S45). In S45, the control unit 11 changes the remittance amount indicated by the remittance information. When the recipient specifies a remittance amount higher than the remittance amount specified by the sender, the control unit 11 refers to the account database and subtracts the difference from the sender's account balance. If the remittance person's account balance is insufficient, the control unit 11 may return a predetermined error message to prevent the remittance amount from being changed.

On the other hand, when it is not determined that the change request button 106 is selected (S41; N), the control unit 41 determines whether or not the transfer button 112 is selected (S46). When it is determined that the transfer button 112 has been selected (S46; Y), the control unit 41 notifies that the transfer button 112 has been selected (S47).

Upon receiving the notification in the remittance control server 10, the control unit 11 acquires friend information from the exchange system 20 and identifies the SNS account of a common friend of the sender and the recipient (S48). The processing of S48 is the same as the processing of S38. The control unit 11 transmits the display information of the new recipient designation screen 160 based on the SNS account specified in S48 (S49). In S49, the control unit 11 generates a friend image 161 based on the SNS account of a common friend, and transmits the display information of the new recipient designation screen 160 including the friend image 161. It is assumed that the friend's SNS account shown in the friend image 161 is held in the storage unit 12.

When the recipient device 40 receives the display information, the control unit 41 causes the display unit 45 to display the new recipient designation screen 160 (S50). The control unit 41 determines whether or not the transfer button 163 is selected after the new recipient is specified (S51). When it is determined that the transfer button 163 has been selected (S51; Y), the control unit 41 notifies that the transfer button 163 has been selected (S52). In S52, the control unit 41 also transmits the recipient information of the new recipient (for example, the identification information of the friend image 161 designated by the recipient).

When the remittance control server 10 receives the notification, the control unit 11 executes a process for the new recipient to receive the remittance (S53). In S53, the control unit 11 changes the recipient identification information indicated by the remittance information to a new recipient. Alternatively, for example, the control unit 11 may delete the remittance information from the transaction information database, generate remittance information in which the recipient identification information of the new recipient is stored, and store the remittance information in the transaction information database. ..

Returning to FIG. 19, when it is determined that the recipient has not registered the receiving account information (S16; N), the process proceeds to FIG. 22, and the control unit 11 accesses the recipient's SNS account together with the transaction number. A request to do so is transmitted to the AC system 20 (S54). Here, it is assumed that the control unit 11 also transmits the link 172 including the remittance amount, the transaction number, and the transaction number specified by the sender as arguments.

When the exchange system 20 receives the request, it generates a predetermined message and notifies the recipient device 40 of the recipient indicated by the SNS account (S55). The processing of S55 is the same as that of S18.

When the recipient device 40 receives the notification, the control unit 41 causes the display unit 45 to display the message display screen 170 in response to the notification (S56). The control unit 41 determines whether or not the link 172 including the transaction number as an argument is selected (S57). When it is determined that the link 172 is selected (S57; Y), the control unit 41 accesses the remittance control server 10 with the transaction number (S58). The processing of S58 is the same as that of S21.

When the remittance control server 10 receives the access, the control unit 11 generates the display information of the receiving screen 180 based on the transaction number received at the time of the access and transmits it to the recipient device 40 (S59). .. The processing of S59 is the same as that of S22, except that the control unit 11 generates display information of the receiving screen 180 including the receiving button 181 of the bank and the receiving button 182 of the other bank.

When the recipient device 40 receives the display information, the control unit 41 causes the display unit 45 to display the receiving screen 180 (S60). The control unit 41 determines whether or not the bank receive button 181 is selected (S61). When it is determined that the bank receive button 181 is selected (S61; Y), the control unit 41 notifies that the bank receive button 181 has been selected (S62).

Upon receiving the notification, the remittance control server 10 executes login authentication for the recipient to log in to the remittance control system 1, and then the control unit 11 remits with the bank account based on the remittance information in the transaction information database. Is executed (S63). Various known authentication methods can be applied to the login authentication itself. For example, the recipient inputs the user account and password of the Bank on the recipient device 40 from a predetermined screen, and the remittance control server 10 inputs the input contents. It is executed by verifying. The remittance control server 10 can identify the recipient's bank account by executing login authentication. In S63, the control unit 11 executes a remittance process for remittance of the remittance amount indicated by the remittance information to the Bank's account. The remittance process itself is the same as in S26.

On the other hand, when it is not determined that the bank receive button 181 is selected (S61; N), the control unit 41 determines whether or not the other bank receive button 182 is selected (S64). When it is determined that the other bank receive button 182 is selected (S64; Y), the control unit 41 notifies that the other bank receive button 182 has been selected (S65).

When the remittance control server 10 receives the notification, the control unit 11 executes a remittance process for receiving the remittance in another bank account based on the remittance information in the transaction information database (S66). In S66, the control unit 11 transmits the display information on the screen for the recipient to specify the receiving account information of another bank to the recipient device 40. After that, the control unit 11 acquires the bank account designated on the screen and executes the remittance process for remittance to the bank account.

According to the remittance control system 1 of the above embodiment, the convenience of the remittance sender or the recipient can be improved. By letting the recipient choose whether or not to receive the remittance with the remittance content specified by the sender, the remittance can be made interactive, for example, it is possible to prevent resends and refunds due to the sender's erroneous operation. it can. For example, in the conventional remittance method, if the remittance amount specified by the remittance person or the recipient is incorrect, a remittance with the correct remittance amount or a remittance to the correct recipient is required, or the remittance person. Since you may need to refund to, you may incur extra remittance fees for resending or refunding. In this regard, according to the remittance control system 1, since the remittance and refund can be prevented as described above, it is possible to prevent the occurrence of an extra remittance fee, which is beneficial to the sender and the recipient.

In addition, for example, by selecting a recipient from friendships on SNS, remittance can be made to a partner who has a close relationship to some extent. Therefore, for example, it is possible to prevent remittance by designating a recipient who is completely unknown. For example, in the conventional method, the sender and the recipient contact each other using SNS to confirm the remittance amount, etc., and then use the net banking service or the like to transfer the remittance from the sender to the recipient, and then. It is also conceivable to notify the person that the money was sent by SNS. According to the remittance control system 1, compared to the conventional method, the remittance person can specify the recipient, the remittance amount, etc. and notify the remittance person on the SNS at the same time, which reduces the trouble of the remittance person. can do. Furthermore, if the recipient performs an operation to receive the remittance, the remittance process is automatically executed, which saves the time and effort of the sender and the recipient compared to the conventional method of sending money after contacting each other. It can also be mitigated more effectively.

Further, for example, since the link 94 or 172 including the transaction number as an argument is transmitted, by selecting the link, when the recipient device 40 accesses the remittance control system 1, which remittance receipt should be inquired is remitted. The control system 1 can be specified. Further, by transmitting the SNS account from the remittance control system 1 to the exchange system 20, the recipient to be notified can be specified by the SNS account.

Further, for example, by determining the user image 61 on the recipient designation screen 60 based on the receiving account information associated with the recipient's SNS account, the receiving account information can be notified to the sender through the user image 61. .. In particular, by changing the display mode of the user image 61, the remittance person can easily grasp the receiving account. More specifically, the user image 61 makes it easier to grasp whether the friend shown by the user image 61 has the bank account as the receiving account or another bank account as the receiving account, or the friend registers the receiving account information in the first place. It makes it easier to understand whether or not you are doing it. For example, if the remittance fee differs depending on whether the receiving account is our bank account or not, or if the remittance fee differs depending on whether or not the receiving account information is registered, the sender can transfer money by looking at the user image 61. You can grasp the fee.

Also, for example, the recipient can ask a friend who is in common with the sender, so ask a relatively reliable friend and based on the answer, decide whether or not to receive the remittance. You can judge. Further, for example, the recipient can specify a new recipient from the friends in common with the sender, so that the trouble of performing the remittance operation again can be reduced. Further, for example, the recipient can reduce the trouble of resending money by requesting a change in the remittance amount. Further, by changing the remittance amount within the range of the remittance amount specified by the sender, it is possible to prevent the remittance from being impossible due to insufficient balance.

[5. Modification example]
The present invention is not limited to the embodiments described above. It can be changed as appropriate without departing from the spirit of the present invention.

For example, the remittance control system 1 may display the remittance designation screen 60 on the remittance device 30 in a case where the inquiry information as to whether or not to receive the remittance may not be transmitted to the recipient device 40. It may be. In this way, even if the recipient is not inquired about whether or not to receive the remittance, the sender can be made to identify the receiving account information of the user who is a candidate for the recipient from the user image 61. In this case, in the remittance control system 1, only the receiving account storage unit 202, the account information acquisition unit 205, and the recipient designation screen transmission unit 214 may be realized.

Further, for example, although the case where the remittance control system 1 determines the display mode of the user image 61 has been described, the remittance person device 30 may determine the display mode of the user image 61. For example, the remittance control system 1 transmits the receiving account information of a user who has a friendship with the sender to the remittance device 30, and the control unit 31 of the remittance device 30 displays the user image 61 based on the receiving account information. The mode may be determined to generate the display information of the recipient designation screen 60. The method of determining the display mode of the user image 61 and the method of generating the display information of the recipient designation screen 60 are the same as the methods described in the embodiment.

Further, for example, if the recipient does not select the receive button 107 or the receive decline button 111 for a certain period of time, the remittance control system 1 may execute the remittance decline process indicated by the remittance information. .. On the contrary, if the recipient does not select the receive button 107 or the receive decline button 111 for a certain period of time, the remittance control system 1 executes the remittance process of the remittance indicated by the remittance information. You may. In addition, for example, a button indicating that the recipient does not select the receive button 107 or the receive decline button 111 of the remittance is prepared, and when that button is selected, a notification or message regarding the remittance is prepared. May not be sent to the recipient.

Further, for example, in the above, the remittance person has described the case where the recipient is selected from the friends in the SNS, but the recipient may be selected from the non-friends. When selecting a recipient from the users related to the sender, the recipient may be selected from the users who have sent the message instead of the friend. Alternatively, the sender may be able to specify a recipient who is not using SNS. Further, although the SNS account is taken as an example of the user identification information on the SNS, the user identification information may be any information that identifies the user who uses the SNS.

Further, for example, the case where the message function is used to inquire the recipient whether or not to receive the remittance (FIGS. 6 and 13) has been described as an example, but the inquiry should be made by using another function in the SNS. You may do it. The recipient may be notified of a message indicating whether or not to receive the remittance. For example, a posting function for each user to send information to other users (so-called timeline, news feed, etc.) May be used. The message here means to include both the content notified by the message function and the content notified by the posting function. The posted content of each user may be viewable by an unspecified number of other users, or may be viewed by a specific other user (for example, another user who has a predetermined relationship with the posting user or a posting user). Only other users specified by) may be able to view.

FIG. 23 is a diagram showing an example of a posting screen for displaying the posted content. The posting screen 190 shown in FIG. 23 is displayed on the display unit 45 when the recipient performs a predetermined operation. On the posting screen 190, the posting contents of the recipient and other users (for example, the remittance person) are displayed. In the screen example shown in FIG. 23, the remittance amount 191 and the message 192, the transaction number 193, and the link 194 are displayed on the posting screen 190 as the posting contents of the sender. These contents themselves are the same as those described in the embodiments. In the example shown in FIG. 23, the posted content for inquiring whether or not to receive the remittance can be viewed only by the sender and the recipient, but may also be viewed by other users.

In the above case, the exchange system 20 stores data indicating the content posted by each user. This data is associated with information that identifies the user who posted and the content of the post (character string, image, etc.), and is updated when the post is made. For example, when the sender performs a remittance operation, the inquiry information transmission unit 208 sends a predetermined posting request to the exchange system 20 together with the SNS accounts of the sender and the recipient. The posting request shall include the remittance amount 191 and the transaction number 193, and the link 194. As a result, the exchange system 20 can specify the posted content. Upon receiving the posting request, the exchange system 20 generates the posted content and holds it in its own storage unit. Then, when the recipient performs a predetermined operation for displaying the posting screen 190, the exchange system 20 reads the data indicating the posting content, generates the data for displaying the posting screen 190, and the recipient device. Send to 40. When the recipient device 40 receives the data, the posting screen 190 is displayed on the display unit 45. The flow of processing after the posting screen 190 is displayed is the same as the flow described in the embodiment (processing after S20 in FIG. 20). The posting screen 190 of FIG. 23 is displayed when the recipient has registered as a user, but when the recipient has not registered as a user, the posting screen 190 similar to that of FIG. 16 is displayed on the display unit 45. It may be displayed to prompt the recipient to register as a user.

As described above, the recipient may be inquired whether or not to receive the remittance by using the posting function of the SNS. The message function and the posting function may be used properly. For example, the recipient may be able to specify which function to use. In this way, the remittance confirmation message can be viewed in a way that is easy for the recipient to confirm. Alternatively, for example, the message function or the posting function, whichever is more likely to be confirmed by the recipient, may be used to notify the remittance message. In this case, the exchange system 20 may store data indicating the opening status of the message and the viewing status of the post, and determine which one is more likely to be confirmed by the recipient based on this data. Furthermore, both the message function and the posting function may be used.

In addition, for example, the case where the recipient is notified on the SNS has been described, but the notification may be made by a notification medium other than the SNS (for example, e-mail). Further, although the case where the inquiry to the recipient is made by the receiving screen 100 or 180 has been described, the inquiry to the recipient may be made by another notification medium (for example, e-mail).

Further, for example, in the above, when the remittance person gives a remittance instruction, the remittance information is registered in the transaction information database due to the decrease in the remittance person's account balance before the remittance process is executed (Fig.). 19 S14 and S15, etc.), the timing at which the remittancer's account balance decreases is not limited to the above example. For example, the remittance control system 1 may not reduce the remittance person's account balance until the remittance process is executed. That is, when the remittance person gives a remittance instruction and the remittance information is registered in the transaction information database, the remittance control system 1 does not reduce the remittance person's account balance, and the recipient performs an operation to receive the remittance. When the remittance process is executed, the remittance control system 1 may reduce the remittance's account balance and increase the recipient's account balance. In addition, for example, when the recipient performs an operation for receiving the remittance, the remittance control system 1 notifies the sender of the recipient's reply and performs a predetermined operation for executing the remittance process. You may ask a person. The notification and the predetermined operation shall be performed from the predetermined screen displayed on the remittance person device 30. In this case, when the remittance control system 1 receives the notification from the remittance person device 30 that the predetermined operation has been performed, the remittance control system 1 executes the remittance process.

1 Remittance control system, 2 network, 10 remittance control server, 20 exchange system, 30 remittance device, 40 recipient device, 11 control unit, 12 storage unit, 13 communication unit, 31 control unit, 32 storage unit, 33 communication unit , 34 operation unit, 35 display unit, 41 control unit, 42 storage unit, 43 communication unit, 44 operation unit, 45 display unit, 50 terms of use screen, 51 check box, 52 buttons, 60 recipient designation screen, 61 user image , 62 Predetermined area, 70 Remittance content input screen, 71 Recipient, 72 Account balance, 73 Input form, 74 Input form, 75 Remittance fee, 76 Input form, 77 Confirm button, 80 Remittance content confirmation screen, 81 Recipient, 82 Remittance amount, 83 messages, 84
Remittance fee, 85 information, 86 correction button, 87 input form, 88 remittance button, 90 message display screen, 91 remittance amount, 92 message, 93 transaction number, 94
Link, 100 Remittance screen, 101 Remittance date, 102 Remittance person, 103 Remittance amount, 104 Message, 105 Inquiry button, 106 Change request button, 107 Receive button, 108 Input form, 109 Question button, 110 Input form, 111 Decline receipt button , 112 transfer button, 120 question screen, 121 friend image, 122 input form, 123 submit button, 130 change request screen, 131 input form, 132 input form, 133 submit button, 140 question notification screen, 141 question content, 142 input form , 143 send button, 150 remittance decline screen, 151 message, 160 new recipient designation screen, 161 friend image, 162 input form, 163 transfer button, 170 message display screen, 171 message, 172 link, 180 receipt screen, 181 bank receipt Button, 182 Other bank receipt button, 190 Post screen, 191 Remittance amount, 192 message, 193 Transaction number, 194 link, 201 Information storage unit, 202 Remittance account storage unit, 203 Remittance information storage unit, 204 Information acquisition department, 205 account Information acquisition unit, 206 Remittance information reception unit, 207 Remittance information recording unit, 208 Inquiry information transmission unit, 209 Answer information reception unit, 210 Remittance judgment unit, 211 Remittance information reception unit, 212 Remittance person friend information reception unit, 213 Receiving Person friend information receiver, 214 Recipient designation screen transmitter, 215 Request sender, 216 Question screen transmitter, 217 New recipient information receiver, 218 New recipient information receiver, 219 Change request screen transmitter, 220 Change request receiving unit, 221 change processing execution unit.

Claims (6)

A means for receiving the identification information from a means for storing the identification information of a user in the exchange system and related to the sender, and a means for receiving the identification information.
A means for acquiring the stored contents of a means for associating and storing the identification information and the information on the receiving account for remittance
A user information displayed on the screen for specifying the recipient from the user associated with the remitter, the user information of at least one user, said receiving associated with the identification information of the user Determining means to make decisions based on account information,
A transmission means for transmitting the display information on the screen on which the user information determined by the determination means is displayed to the remittance person device, and
Screen display system characterized by including things. The determination means determines, as the user information, an image display mode for designating at least one user included in the screen as a recipient, based on the receiving account information associated with the identification information of the user. decide,
The screen display system according to claim 1. The determination means uses the user information to identify whether or not the receiving account indicated by the receiving account information of at least one user included in the screen belongs to a predetermined bank. Determined based on the receiving account information associated with the information,
The screen display system according to claim 1 or 2. As the user information , the determination means uses information for identifying whether or not at least one user included in the screen has registered the receiving account information, and the receiving account associated with the identification information of the user. Informed decision,
The screen display system according to any one of claims 1 to 3. The computer
A step of receiving the identification information from a means for storing the identification information of a user in the exchange system and related to the sender.
A step of acquiring the stored contents of a means for associating and storing the identification information and the receiving account information of the remittance,
A user information displayed on the screen for specifying the recipient from the user associated with the remitter, the user information of at least one user, said receiving associated with the identification information of the user Decision steps to make decisions based on account information,
A transmission step of transmitting the display information on the screen on which the user information determined by the determination step is displayed to the remittance person device, and
How to display the screen to execute. A means for receiving the identification information from a means for storing the identification information of a user in the exchange system and related to the sender.
A means for acquiring the stored contents of a means for associating and storing the identification information and the information on the receiving account of the remittance,
User information displayed on a screen for designating a recipient from among the users related to the remittance sender, and the user information of at least one user is the receiving account associated with the identification information of the user. Informed decision-making means,
A means for causing the remittance person device to display the screen on which the user information determined by the determination means is displayed.
A program to make your computer work as.

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