JP7201724B2 - cash management support system, cash management support server, and cash management support program - Google Patents

Description

The present invention relates to a fund management support system, a fund management support server, and a fund management support program for supporting the management of funds entrusted by a delegator (including a delegator, etc.) to an agent.

When a family member or relative manages a person with dementia's bank account or property, in most cases, withdrawals are made using the person's cash card and personal identification number. In such cases,
There are problems such as "personal identification" is not performed and it is not visible to third parties, and it is unclear whether appropriate management is being carried out. In addition, regarding the use of funds drawn from a bank account in the name of a person with dementia, there may be cases where other family members or relatives suspect that the funds have been used illegally. Furthermore, not only the use of funds in a bank account in the name of a person with dementia, but also the use of funds gifted or sent from a parent to a child, funds of a couple, and/or funds contributed by a large number of people are suspected. may occur.

As described in Background Art, in order to prove that the funds in the deposit account under the name of the parent have been used appropriately, the child, etc. entrusted with the payment by the parent must submit a receipt, etc. each time the payment is made. We had no choice but to carry out a complicated and burdensome process of recording the payment amount, date and time, usage, etc. while saving it.

Accordingly, the present invention provides a funds management support system, a funds management support server, and a funds management support system capable of proving or confirming the appropriate use of funds entrusted to manage in a relatively simple process. For the purpose of providing programs.

Each aspect of the present invention is as follows.
(Aspect 1) A fund management support system for managing funds entrusted by a delegator to an agent, wherein the fund management support system is operable by the agent to transfer the funds. an agent-side terminal device capable of transmitting a funds transfer request for making a request;
A viewer-side terminal device that is operable by a viewer and capable of transmitting an information viewing request for viewing history information on the movement of funds, and capable of communicating with the agent-side terminal device and the viewer-side terminal device. and a funds management support server, wherein when the funds management support server receives the funds transfer request from the agent terminal device, the funds management support server issues a funds transfer command for executing the transfer of the funds and stores the funds. A funds management support system that transmits to an accounting system and, upon receiving the information viewing request from the viewing side terminal device, transmits the history information to the viewing side terminal device.

(Aspect 2) In the funds management support system according to Aspect 1, the funds management support server transmits the funds transfer command to the accounting system after a predetermined period of time has elapsed since receiving the funds transfer request. management support system.
(Aspect 3) In the funds management support system according to Aspect 2, the agent-side terminal device can transmit a cancellation request for canceling the transfer of funds within the predetermined period, and the funds management support server , a funds management support system for canceling said fund transfer request when said cancellation request is received from said agent side terminal device.
(Aspect 4) In the money management support system according to any one of aspects 1 to 3,
A delegator-side terminal device operable by the delegator and capable of transmitting the transfer request, wherein the funds management support server, upon receiving the transfer request from the delegator-side terminal device, sends the funds transfer command. to the accounting system.

(Aspect 5) In the funds management support system according to Aspect 4, the delegator's terminal device can transmit a cancellation request for canceling the transfer of funds within the predetermined period, and the funds management support server , a fund management support system that cancels the request for transfer of funds when the request for cancellation is received from the terminal device on the side of the delegator.
(Aspect 6) In the money management support system according to any one of aspects 1 to 5, the agent side terminal device is capable of transmitting a viewer setting request for setting the viewer side terminal device. and said funds management support server, upon receiving said viewer setting request from said agent side terminal device, sends invitation information for setting an arbitrary terminal device as said viewer side terminal device to said arbitrary terminal device. , fund management support system.
(Aspect 7) In the cash management support system according to any one of aspects 4 and 5,
The delegator-side terminal device can transmit a viewer setting request for setting the viewer-side terminal device, and the funds management support server receives the viewer setting request from the delegator-side terminal device. Then, a fund management support system for transmitting invitation information for setting an arbitrary terminal device as the browser side terminal device to the arbitrary terminal device.

(Aspect 8) In the money management support system according to any one of aspects 4, 5, and 7,
The delegator-side terminal device is capable of transmitting a cancellation request for canceling the information viewing request authority of the viewer-side terminal device. A funds management support system that, upon receiving a request, stops transmission of the history information to the viewer-side terminal device.
(Aspect 9) The funds management support system according to any one of aspects 1 to 8, further comprising a guardian-side terminal device capable of being operated by a guardian and capable of transmitting the funds transfer request, wherein the funds management support server is a funds management support system which, upon receiving said funds transfer request from said guardian's side terminal device, transmits a funds transfer command for executing said funds transfer to said accounting system.

(Aspect 10) In the funds management support system according to Aspect 9, the guardian's terminal device can transmit a cancellation request for canceling the transfer of funds within a predetermined period of time, and the funds management support server A funds management support system that cancels the funds transfer request when the cancellation request is received from the guardian's terminal device.
(Aspect 11) In the fund management support system according to Aspect 9 or 10, the guardian-side terminal device can transmit a viewer setting request for setting the viewer-side terminal device,
When the funds management support server receives the viewer setting request from the guardian's terminal device, it transmits invitation information for setting an arbitrary terminal device as the viewer's terminal device to the arbitrary terminal device. Cash management support system.

(Aspect 12) In the money management support system according to any one of aspects 1 to 11,
A funds management support system, wherein when a guardian's petition is registered in the funds management support server, the funds management support server suspends at least the authority of the agent's terminal device to request the transfer of funds.
(Aspect 13) In the money management support system according to any one of aspects 1 to 12,
A funds management support system, wherein when the appointment of a guardian is registered in the funds management support server, the funds management support server suspends all authority of the agent side terminal device.
(Aspect 14) In the money management support system according to any one of aspects 1 to 13,
A funds management support system, wherein the funds transfer request includes image data of a receipt or a bill.
(Aspect 15) In the money management support system according to any one of aspects 1 to 14,
The fund management support system, wherein the fund management support server notifies the agent side terminal device and/or the viewer side terminal device of information on the movement of the funds.
(Aspect 16) In the funds management support system according to any one of aspects 4, 5, 7, and 8, the funds management support server notifies the delegator's terminal device of information on the transfer of funds. , fund management support system.
(Aspect 17) In the funds management support system according to any one of aspects 9 to 11 and 13, the funds management support server notifies the guardian's terminal device of information on the movement of the funds. support system.

(Aspect 18) In the money management support system according to any one of aspects 1 to 17,
The agent-side terminal device and/or the viewer-side terminal device can transmit a download request for downloading history information on the transfer of funds, and the funds management support server can transmit the agent-side terminal device. and/or, when the download request is received from the viewer-side terminal device, the history information is transmitted in a downloadable state to the agent-side terminal device and/or the viewer-side terminal device. system.

(Aspect 19) In the funds management support system according to Aspect 6, when the funds management support server receives predetermined information from the arbitrary terminal device that has received the invitation information,
A funds management support system that transmits a viewing authority approval request to the agent side terminal device.
(Aspect 20) In the funds management support system according to Aspect 19, the agent side terminal device transmits approval or rejection to the funds management support server in response to the viewing authority approval request. .
(Aspect 21) In the funds management support system according to Aspect 7, when the funds management support server receives predetermined information from the arbitrary terminal device that has received the invitation information,
A funds management support system that transmits a viewing authority approval request to the delegator's side terminal device.
(Aspect 22) In the funds management support system according to Aspect 21, the delegator side terminal device transmits approval or rejection to the funds management support server in response to the request for approval of the viewing authority. .
(Aspect 23) In the funds management support system according to Aspect 11, upon receiving predetermined information from the arbitrary terminal device that has received the invitation information, the funds management support server sends a viewing authority approval request to the guardian side. A cash management support system that transmits to the terminal device.
(Aspect 24) In the funds management support system according to Aspect 23, the guardian's terminal device transmits approval or rejection to the funds management support server in response to the viewing authority approval request.

(Aspect 25) In the money management support system according to any one of aspects 1 to 24,
When the guardian's petition is registered in the funds management support server, the funds management support server suspends at least the authority to request withdrawal of funds and/or the authority to cancel the withdrawal request by the terminal device on the side of the delegator. Cash management support system.
(Aspect 26) In the money management support system according to any one of aspects 1 to 25,
A funds management support system, wherein when the appointment of a guardian is registered in the funds management support server, the funds management support server suspends additional deposit authority and/or full cancellation authority by the delegator.

(Aspect 27) A funds management support server for managing funds entrusted by a delegator to an agent, wherein the funds management support server is operable by the agent to transfer the funds. capable of communicating with an agent-side terminal device capable of transmitting a fund transfer request to be requested, and a viewer-side terminal device operable by the viewer and having information viewing authority to view history information on the transfer of funds; wherein the funds management support server, upon receiving the funds transfer request from the agent-side terminal device, transmits a funds transfer command for executing the funds transfer to the accounting system storing the funds. and, upon receiving the information browsing request from the browser-side terminal device, transmitting the history information to the browsing-side terminal device.

(Aspect 28) A fund management support program for managing funds entrusted by a delegator to an agent, wherein the fund management support program is operable by the agent to transfer the funds. A viewer-side terminal that controls the operation of an agent-side terminal device capable of transmitting a request for funds transfer to be requested and/or is operable by a viewer and has information viewing authority to view history information related to the transfer of funds. The fund management support program controls the operation of the device, and requests a transfer of funds from the agent terminal device to a fund management support server capable of communicating with the agent terminal device and the viewer terminal device. a fund management support program that transmits and/or requests transmission of the history information from the viewer-side terminal device.

The funds management support system, funds management support server, and funds management support program of the present invention make it possible to certify that the funds entrusted to manage have been properly used with relatively little effort.

FIG. 4 is a schematic diagram showing the authority of each user-side terminal device in the money management support system according to the embodiment of the present invention; 1 is a conceptual diagram of a network including a money management support system according to an embodiment of the invention; FIG. FIG. 2 is a chart showing authority of user-side terminal devices included in the money management support system of FIG. 1; FIG. FIG. 2 is a flowchart relating to payment processing in the funds management support system of FIG. 1; FIG.

A fund management support system, a fund management support server, and a fund management support program according to embodiments of the present invention will be described with reference to the drawings. In this embodiment, each user-side terminal device can be any communication device such as a mobile phone, smart phone, tablet, or PC.

In this embodiment, the delegator (trustor and beneficiary, contractor), agent, viewer, and guardian are as follows. The delegator is the contractor who delegates the management of the funds in his/her deposit account based on the contract, and the person who delegates the management of funds such as withdrawing from his/her deposit account to an agent designated by himself/herself. For example, elderly parents. The delegator operates the delegator's terminal device in which the fund management support application is set. The agent is a person designated by the mandator who manages funds such as withdrawal and additional deposit of funds, and is, for example, a relative (child, etc.) of the mandator. The agent operates the agent-side terminal device in which the money management support application is set.

A viewer is a person who views or downloads history information of money management, for example, a relative of the delegator. The viewer operates the viewer-side terminal device in which the money management support application is set. A guardian is a guardian appointed for the mandator, and a person who executes fund management such as withdrawal of funds and additional deposits on behalf of the mandator. or be an attorney. The guardian operates the guardian's side terminal device in which the funds management support application is set.

[overview]
An outline of a money management support system 1000 according to an embodiment of the present invention will be described with reference to FIG. The cash management support system 1000 includes a cash management support server 100,
It is composed of user-side terminal devices 200A to 200D that communicate with the fund management support server 100. FIG. The delegator-side terminal device 200A operated by the delegator is operated by the delegator (contractor).
is able to make a payment request (payment request) to the funds management support server 100 at any time. When the delegator's (contractor's) ability to make judgments declines and a petition to appoint a guardian is registered in the funds management support server 100, the delegator's terminal device 200A is suspended from claiming payment. Agent-side terminal device 200B operated by an agent
, payment can be requested to the funds management support server 100 at any time until a petition for appointment of a guardian is registered in the funds management support server 100 . The setting of the agent side terminal device 200B is optional, and setting after the fund management support contract by the delegator is also possible.

When the guardian's terminal device 200C is set in the funds management support server 100 after the delegator's ability to make decisions has deteriorated, the guardian's terminal device 200C can make a payment request to the funds management support server 100 at any time. ing. When the appointment of a guardian is registered in the fund management support server 100, the authority to request payment from the agent side terminal device 200B is suspended and switched to the payment request from the guardian side terminal device 200C. The viewer-side terminal device 200D operated by the viewer is capable of confirming fund management information such as the content of the payment request and/or deposit/withdrawal history.

[Configuration of Cash Management Support System 1000]
A specific configuration of the cash management support system 1000 according to the embodiment of the present invention will be described with reference to FIG. The cash management support system 1000 includes the cash management support server 100
and user-side terminal devices 200A to 200D in which a fund management support application (fund management support program) 210 is installed. The fund management support server 100 communicates with the accounting system 300 to receive transmission of accounting data. The fund management support server 100 can transmit a payment (withdrawal or transfer) command from the bank account of the delegator to a designated bank account to the accounting system 300 . The accounting system 300 is
Can manage (control) the deposits and withdrawals of at least the Deposit Account of the Delegator. Preferably, the accounting system 300 may manage (control) the deposits and withdrawals of the delegator's deposit account, the agent's deposit account, and/or the guardian's deposit account.

The fund management support server 100 authenticates communication with the financial institution side terminal device 301 and each user side terminal device 200A to 200D connected to the accounting system 300, and controls the operation of each part. An application that assists data transmission/reception between the fund management database 103 that records fund management information such as application information, payment request, and withdrawal information, and the accounting system 300 and each user-side terminal device 200A to 200D. A programming interface (API) 105, a notification management unit 107 for transmitting predetermined notifications to each user-side terminal device 200A to 200D under predetermined conditions (payment request, completion of deposit processing, etc.), and accounting system 300 data It is composed of an accounting system data linkage unit 109 that communicates with the processing server 305 and receives accounting system data.

The user-side terminal devices 200A to D are the delegator-side terminal device 200A, the agent-side terminal device 2
00B, viewer-side terminal device 200C, and guardian-side terminal device 200D, and executable authority is set for each user-side terminal device by the funds management support system. Specific rights that can be executed by each user terminal device 200A-D are shown in FIG. In this embodiment, a notification of a petition to appoint a guardian to the delegator is registered in the funds management support server 100, and in response to this, the funds management support server 1
00, as shown in FIG. 3, changes the processing authority that can be executed from the terminal device 200A on the delegator side and the terminal device 200B on the agent side. Specifically, when a petition for appointment of a guardian is registered in the funds management support server 100, the funds management support server 100
A suspends the authority to request payment of funds, the authority to cancel payment requests, the authority to invite the viewer's terminal device, and the authority to cancel the viewer's terminal device, and the delegator's authority to set the agent's terminal device,
Suspends the cancellation authority of the agent side terminal device. Further, when a petition for appointment of a guardian is registered in the funds management support server 100, the funds management support server 100
0B suspends the authority to request withdrawal of funds, the authority to cancel the withdrawal request, and the authority to invite the terminal device on the viewer's side, and suspends the authority to make additional deposits by the agent. Furthermore, the fund management support server 1
00, the fund management support server 100 receives the following from the delegator:
Suspend additional deposit authority and full cancellation authority. It should be noted that all cancellation means to stop (cancel) all processing using the funds management support system 1000 . Further, when the appointment of the guardian is registered in the funds management support server 100, the funds management support server 100 suspends all authority of the agent side terminal device 200B. After the fund management contract using the fund management support system 1000 ends, for a certain period (for example, one year), fund management information such as deposit account information is sent from all or designated user-side terminal devices 200A to 200D. Only browsing and downloading (deposit/withdrawal details) may be allowed.

The accounting system 300 comprises a financial institution terminal device 301, an accounting server 303 having an accounting database and a file transfer unit, and a data processing server 305 having receiving segments and transmitting segments.

[Authority setting of the terminal device on the side of the delegator or guardian]
After the delegator or the guardian applies for fund management to the operator of the fund management support system 1000 and the fund management contract using the fund management support system 1000 is concluded, the fund management support server 100 is operated by the delegator side terminal device. A two-dimensional code such as a QR code (registered trademark) for setting 200A or the guardian's side terminal device 200C is generated, and the two-dimensional code is provided to the delegator or the guardian by mail or the like. The delegator or guardian downloads the fund management support application to his/her terminal device. After that, the fund management support application of the terminal device,
The terminal setting information is read from the two-dimensional code, and the terminal device of the delegator or guardian is set as the delegator-side terminal device 200A or the guardian-side terminal device 200C using the fund management support application. As a result, the terminal device 200A on the side of the delegator or the terminal device 200C on the side of the guardian can perform fund management of the deposit account of the delegator via the fund management support server 100. FIG.

[Payout function]
A payout function in the cash management support system 1000 will be described.
The agent-side terminal device 200B and the delegator-side terminal device 200A are capable of requesting payment at any time using a fund management support application (fund management support program). Even if the delegator (contractor) is unable to request payment using the delegator's terminal device 200A due to the declining decision-making ability of the delegator (contractor), etc., the delegator's bank account can be specified by operating the agent's terminal device 200B. You can withdraw money to a bank account (such as an agent's bank account).

The fund management support server 100 records the details of payment from the deposit account of the delegator to create a history, and then instructs the accounting system that manages the deposit account of the delegator to the designated deposit account. Send a deposit instruction (payment instruction) to a savings account.

A procedure for processing a withdrawal request in the funds management support system 1000 will be described with reference to the flowchart of FIG. Using the funds management support application 210 set in the delegator-side terminal device 200A, the agent-side terminal device 200B, and the guardian-side terminal device 200C, the following steps are executed to perform the payout process. In the following description, a request for payment by the delegator-side terminal device 200A is exemplified, but is not limited to the delegator-side terminal device 200A.
A payment request using 0B or the guardian's terminal device 200C is executed in the same procedure.

First, in step S401, the fund management support application 2 is executed on the delegator terminal device 200A.
10 is activated, and the payment request menu of the fund management support application 210 is selected. In step S402, an image of the receipt or the like is captured by the camera of the terminal device 200A on the side of the delegator. A receipt or the like can be a receipt or an invoice. In step S403, the delegator inputs payment information via the fund management support application 210 of the delegator-side terminal device 200A. The payment information includes, for example, the date, amount of money, name of purchased item, and the like, such as a receipt. In step S404, the funds management support application 210 of the delegator's terminal device 200A transmits a payment request including payment information and a receipt image to the funds management support server 100 via the communication network.

In step S<b>405 , the funds management support server 100 registers the payment request including the payment information and the receipt image in the funds management database 103 . In step S406, the funds management support server 100 determines whether the received payment information and receipt image are appropriate. If it is determined in step S406 that it is not appropriate, the process proceeds to step S409, and if it is determined to be appropriate, the process proceeds to step S407. The determination of appropriateness in step S406 is made by confirming that the date of the receipt is after the contract date and/or that the amount is less than or equal to the billed amount.

In step S407, the funds management support server 100 determines whether or not the monitoring period has passed. If it is determined in step S407 that the monitoring period has not elapsed, the process proceeds to step S408, and if it is determined that the monitoring period has elapsed, the process proceeds to step S411. In addition, the monitoring period is a predetermined period for other users to judge whether the payment request is appropriate.
It can be a business day, whichever is longer.

At step S408, the fund management support server 100
It is determined whether or not a request for canceling the payment request has been received from the agent side terminal device 200B or the guardian side terminal device 200C. In step S408, when the cancellation request is received, the process proceeds to step S409, and when the cancellation request is not received, the process returns to step S407.

At step S409, the funds management support server 100 cancels the payment request. At step S410, the funds management support server 100
Notify D of the cancellation of the payment request and terminate the process. The notification in step S410 can be a push notification and/or an email notification to a specified email address.

In step S411, the cash management support server 100 sends a payment command to the accounting system 3
00. After receiving the payment completion notification from the accounting system 300, the funds management support server 100 notifies each of the user-side terminal devices 200A to 200D of the payment completion in step S412, and terminates the process. The notification in step S412 is a push notification and/or
Or it can be notification by e-mail to a specified e-mail address.

[Watch function]
The monitoring function in this embodiment is a function of viewing and/or downloading history information such as payment requests or deposit/withdrawal history with the fund management support application 210 of each user-side terminal device. During the monitoring period, the delegator side terminal device 200A and the agent side terminal device 200B
Alternatively, it is also possible to mutually cancel the payment request from the guardian's side terminal device 200C.

[Fixed amount receipt function]
Delegator side terminal device 200A, agent side terminal device 200B, or guardian side terminal device 200
C can set fixed fixed amount receipt to the funds management support server 100 . For example, it is possible to set a fixed fixed amount receipt from 10,000 yen to 200,000 yen per month. As a result, the fixed amount is set to be transferred to the agent's or guardian's deposit account at a fixed time.

[Notification function]
When there is a request for payment from the terminal device 200A on the side of the mandator, the terminal device 200B on the side of the agent, or the terminal device 200C on the side of the guardian, when funds are transferred from the mandator's bank account such as withdrawing money, or when a user (member) is added, The fund management support server 100 includes user-side terminal devices 200A to
A push notification using the asset management support application 210 can be sent to 200D, or predetermined information such as transfer of funds can be sent to a designated e-mail address. Predetermined information includes, for example, "There was a payment request.", "There was an additional payment.", "Mr. XX joined as a member."

The fund management support server 100 sends a payment command to the designated deposit account to the accounting system 300 after a monitoring period (for example, 5 days) has elapsed after the request for payment. Therefore, even if the fund management support system 1000 receives a payment request, it does not immediately send a payment instruction for the necessary funds to the accounting system.

During the monitoring period, the delegator uses the funds management support application set on the delegator's terminal device 200A, the agent uses the funds management support application set on the agent's terminal device 200B, or the guardian can mutually cancel the payment request using the fund management support application set in the guardian's side terminal device 200C.

[Member invitation function]
Using the member invitation function of the fund management support application 210, invite a terminal device such as a family member of the delegator as a role of "watching over" deposits and withdrawals to the bank account of the delegator, and the invited terminal device is on the viewer side. It can be set as the terminal device 200D. Specifically, since the fund management support application 210 of the delegator-side terminal device 200A, the agent-side terminal device 200B, or the guardian-side terminal device 200C has the invitation authority of the viewer-side terminal device 200C,
To send an invitation email containing a setting link to the terminal device of the person who will be the viewer,
A request can be made to the fund management support server 100 . In addition, the agent side terminal device 200
For setting B (invitation), after the document procedure by the delegator is registered in the fund management support server 100, a two-dimensional A code is provided by mail or the like.

The invitation mail transmission request includes the type of terminal device on the invited side (browser terminal device 200
C), contains the information of the e-mail address to which the invitation e-mail is sent. The funds management support server 100 that has received the request to send the invitation email sends the invitation email to the specified email address. Any terminal device that receives the invitation email downloads the funds management support application 210 to its own terminal device, clicks the setting link in the invitation email, and uses the funds management support application 210 to enter its own predetermined information (for example, Name) is entered and transmitted to the funds management support server 100 . Upon receiving the predetermined information, the funds management support server 100 transmits a viewing authority approval request (member participation request approval request) to the terminal device that sent the invitation email. The terminal device that receives the viewing authority approval request can select approval or rejection of the viewing authority for any terminal device using the fund management support application 210 . When approval is selected in the funds management support application 210 , approval of viewing authority is transmitted to the funds management support server 100 . The funds management support server 100 that has received the approval of the viewing authority transmits an instruction for setting the viewing authority as the viewer side terminal device to the funds management support application 210 of any invited terminal device. by this,
An arbitrary terminal device is added to the members as a viewer-side terminal device. When rejection is selected in the funds management support application 210 , a rejection of viewing authority is transmitted to the funds management support server 100 . The funds management support server 100 that has received the denial of the viewing authority notifies the denial of the viewing authority to the funds management support application 210 of any invited terminal device.

In the embodiment of the present invention, it is assumed that the asset management support system 1000 is applied to a service that supports the financial management of the elderly.
It can also be applied to services such as the example.
As a first example, the wealth management support system 1000 can be used to meet the needs of parents who are concerned about the proper use of funds given or sent to their children's bank accounts. In this case, the terminal device of the parent or child can be set as the delegator's terminal device, and the child's or parent's terminal device can be set as the agent's terminal device and/or the viewer's terminal device. As a result, the child manages the usage of remittance funds to the child of a university student as a delegator or agent and/or viewer using the terminal device of the delegator or the terminal device of the agent and/or the terminal device of the viewer. and/or can be viewed. In addition, the giver (parent) can act as a delegator or viewer and/or agent to determine how the donor (child) uses the donated funds. and/or can be managed and/or viewed using the agent side terminal device.

As a second example, the asset management support system 1000 can be used to meet the needs of a husband and wife who want to manage their money usage using one savings account. In this case, one terminal device of the couple can be set as the terminal device on the delegator's side, and the other terminal device of the couple can be set as the terminal device on the agent's side. As a result, it is possible to provide a service for a wife or husband to withdraw funds from the bank account of the husband or wife who is the mandate, or for the husband and wife to understand how the funds are to be used.

As a third example, the asset management support system 1000 can be used to meet the needs of many people who are concerned about whether the funds contributed by them are being used appropriately. Funds contributed by a large number of people can be assumed to be donations from incorporated foundations, operating funds of neighborhood associations, etc., reserve funds for repairs of condominium management associations, and the like. In the case of donations by a foundation, the foundation, etc., becomes the contractor (delegator), and sets the terminal device of the president, etc. as the terminal device on the agent side, and the terminal device of the donor as the terminal device on the viewer side. be able to. As a result, the president of a foundation or the like can withdraw funds using the agent's terminal device. Furthermore, it is possible to provide a service in which donors view information on how donations are used by foundations and the like that have collected donations using viewer-side terminal devices.

In the case of operating funds for a neighborhood association (self-governing association), etc., the neighborhood association will be the delegator, and the terminal device of the neighborhood chairman will be the agent's terminal device, and the terminal device of the residents who constitute the neighborhood association will be the viewer's terminal device. , can be set respectively. As a result, it is possible to provide a service in which the residents view how the neighborhood association uses operating funds using the viewer-side terminal device.

In the case of reserve funds for repairs, etc. of the condominium management association, the condominium management association will be the delegator, and the terminal device of the president of the condominium management association will be the agent's terminal device, and the terminal device of the condominium resident will be the viewer's terminal device. can be set respectively. As a result, it is possible to provide a service in which a resident browses how to use the condominium management association's reserve fund for repairs, etc., using a browser-side terminal.

1000 Cash management support system 100 Cash management support server 200 User-side terminal device 210 Cash management support application (cash management support program)
200A Delegator-side terminal device 200B Agent-side terminal device 200C Guardian-side terminal device 200D Viewer-side terminal device 300 Accounting system

Claims (30)

A funds management support system for managing funds entrusted by a delegator to an agent,
The fund management support system is
an agent-side terminal device operable by the agent and capable of transmitting a funds transfer request for requesting the transfer of funds;
a delegator-side terminal device operable by the delegator and capable of transmitting the fund transfer request;
a viewer-side terminal device that is operable by a viewer and capable of transmitting an information viewing request for viewing history information related to the movement of funds;
a funds management support server capable of communicating with the delegator-side terminal device, the proxy-side terminal device, and the viewer-side terminal device;
The delegator-side terminal device is capable of transmitting a viewer setting request for setting the viewer-side terminal device,
The funds management support server, upon receiving the viewer setting request from the delegator-side terminal device, transmits invitation information for setting an arbitrary terminal device as the viewer-side terminal device to the arbitrary terminal device. , fund management support system. In the money management support system according to claim 1,
The funds management support system, wherein the funds management support server generates a two-dimensional code (eg, QR code (registered trademark)). In the money management support system according to claim 1 or 2,
A funds management support system, wherein the funds management support server transmits a funds transfer command to an accounting system after a predetermined period of time has elapsed since the receipt of the funds transfer request. In the money management support system according to claim 3,
The agent-side terminal device is capable of transmitting a cancellation request for canceling the transfer of funds within the predetermined period of time,
A funds management support system, wherein the funds management support server cancels the funds transfer request upon receiving the cancellation request from the agent terminal device. In the money management support system according to any one of claims 1 to 4,
A funds management support system, wherein the funds management support server transmits a funds transfer command to an accounting system when receiving the funds transfer request from the delegator's terminal device. In the money management support system according to claim 3,
The delegator's terminal device is capable of transmitting a cancellation request for canceling the transfer of funds within the predetermined period of time,
A funds management support system, wherein the funds management support server cancels the funds transfer request upon receiving the cancellation request from the delegator's terminal device. In the money management support system according to any one of claims 1 to 6,
The agent-side terminal device is capable of transmitting a viewer setting request for setting the viewer-side terminal device,
The funds management support server, upon receiving the viewer setting request from the agent-side terminal device, transmits invitation information for setting an arbitrary terminal device as the viewer-side terminal device to the arbitrary terminal device. , fund management support system. In the money management support system according to any one of claims 1 to 7,
The delegator-side terminal device is capable of transmitting a cancellation request for canceling the information browsing request authority of the viewer-side terminal device,
The funds management support system, wherein the funds management support server stops transmission of the history information to the browser terminal when receiving the cancellation request from the delegator's terminal. In the money management support system according to any one of claims 1 to 8,
further comprising a guardian-side terminal device that can be operated by a guardian and can transmit the request for transfer of funds;
A funds management support system, wherein the funds management support server, upon receiving the funds transfer request from the guardian's terminal device, transmits a funds transfer command for executing the funds transfer to an accounting system. In the money management support system according to claim 9,
The guardian's terminal device is capable of transmitting a cancellation request to cancel the transfer of funds within a predetermined period of time,
A funds management support system, wherein the funds management support server cancels the funds transfer request upon receiving the cancellation request from the guardian's terminal device. In the money management support system according to claim 9 or 10,
The guardian-side terminal device is capable of transmitting a viewer setting request for setting the viewer-side terminal device,
When the funds management support server receives the viewer setting request from the guardian's terminal device, it transmits invitation information for setting an arbitrary terminal device as the viewer's terminal device to the arbitrary terminal device. Cash management support system. In the money management support system according to any one of claims 1 to 11,
A funds management support system, wherein when a guardian's petition is registered in the funds management support server, the funds management support server suspends at least the authority of the agent's terminal device to request the transfer of funds. In the money management support system according to any one of claims 1 to 12,
A funds management support system, wherein when the appointment of a guardian is registered in the funds management support server, the funds management support server suspends all authority of the agent side terminal device. In the money management support system according to any one of claims 1 to 13,
A funds management support system, wherein the funds transfer request includes image data of a receipt or a bill. In the money management support system according to any one of claims 1 to 14,
The fund management support system, wherein the fund management support server notifies the agent side terminal device and/or the viewer side terminal device of information on the movement of the funds. In the money management support system according to any one of claims 1 to 15,
The funds management support system, wherein the funds management support server notifies the delegator's terminal device of information on the movement of the funds. In the money management support system according to any one of claims 9 to 11,
The funds management support system, wherein the funds management support server notifies the guardian's terminal device of information on the movement of the funds. In the money management support system according to any one of claims 1 to 17,
The agent-side terminal device and/or the viewer-side terminal device is capable of transmitting a download request for downloading history information regarding the movement of funds,
Upon receiving the download request from the agent-side terminal device and/or the browser-side terminal device, the funds management support server keeps the history information downloadable from the agent-side terminal device and/or the browser terminal device. Funds management support system that transmits to the person's side terminal device. In the money management support system according to claim 7,
A funds management support system, wherein the funds management support server, upon receiving predetermined information from the arbitrary terminal device that has received the invitation information, transmits a viewing authority approval request to the agent side terminal device. In the money management support system according to claim 19,
A funds management support system, wherein the agent side terminal device transmits approval or rejection to the funds management support server in response to the approval request for the viewing authority. In the money management support system according to any one of claims 1 to 20,
A funds management support system, wherein the funds management support server, upon receiving predetermined information from the arbitrary terminal device that received the invitation information, transmits a viewing authority approval request to the delegator side terminal device. In the money management support system according to claim 21,
The funds management support system, wherein the delegator's side terminal device transmits approval or rejection to the funds management support server in response to the viewing authority approval request. In the money management support system according to claim 11,
A funds management support system, wherein the funds management support server, upon receiving predetermined information from the arbitrary terminal device that has received the invitation information, transmits a viewing authority approval request to the guardian's side terminal device. The money management support system according to claim 23,
The funds management support system, wherein the guardian's side terminal device transmits approval or rejection to the funds management support server in response to the viewing authority approval request. In the money management support system according to any one of claims 1 to 24,
When the guardian's petition is registered in the funds management support server, the funds management support server suspends at least the authority to request withdrawal of funds and/or the authority to cancel the withdrawal request by the terminal device on the side of the delegator. Cash management support system. In the money management support system according to any one of claims 1 to 25,
A funds management support system according to claim 1, wherein when the appointment of a guardian is registered in the funds management support server, the funds management support server suspends additional deposit authority and/or total cancellation authority of the delegator side terminal device. A funds management support server for managing funds delegated from a delegator to an agent,
The fund management support server
an agent-side terminal device operable by the agent and capable of transmitting a funds transfer request for requesting the transfer of funds;
a viewer-side terminal device operable by a viewer and having information viewing authority to view history information related to the transfer of funds; terminal equipment,
can communicate with
When the funds management support server receives a viewer setting request from the delegator-side terminal device, it transmits invitation information for setting an arbitrary terminal device as the viewer-side terminal device to the arbitrary terminal device, Fund management support server. A funds management support program for managing funds delegated by a delegator to an agent, comprising:
The fund management support program is operable by the delegator, causes the delegator-side terminal device capable of transmitting a fund transfer request to control its operation, and/or is operable by the viewer, causing a viewer-side terminal device having information viewing authority to view history information related to the transfer of funds to control its operation;
When the funds management support program receives a viewer setting request from the delegator's terminal device, the fund management support server that can communicate with the delegator's terminal device and the viewer's terminal device is sent to an arbitrary terminal. A funds management support program for transmitting invitation information for setting the device as the viewer-side terminal device to the arbitrary terminal device. In the money management support server according to claim 27,
The funds management support server is a funds management support server that generates a two-dimensional code (eg, QR code). A money management support program according to claim 28,
A funds management support server, wherein the funds management support program causes the funds management support server to generate a two-dimensional code (eg, QR code).

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