JP7326536B1 - Information processing device, information processing method and information processing program - Google Patents

Abstract

An object of the present invention is to improve convenience for users who make cashless remittances. An information processing apparatus according to the present application includes a determining section and a providing section. When the code read information including the remittance flag is received as a processing request from the user, the determination unit determines whether the remittee identified by the remittee identification information is deductible based on the remittee identification information included in the code read information. It is determined whether or not it is the application target of When the determining unit determines that the remittee is subject to the deduction system, the providing unit provides the user with a first screen displaying information indicating that the remittee is subject to the deduction system. . [Selection drawing] Fig. 6

Description

The present invention relates to an information processing device, an information processing method, and an information processing program.

In recent years, methods have begun to be proposed for cashless remittances, such as donations in the event of a disaster, offerings to temples and shrines, and the like, instead of cash such as banknotes and coins. In recent years, as in crowdfunding, fund raising through networks has become generally recognized, and it is assumed that individuals will send money to specific organizations on a daily basis.

In addition, regarding remittances for the purpose of donations, for example, technology aimed at encouraging donations to schools, and technology for unified processing of donations aimed at reducing the burden on organizations receiving donations and donors etc., have been proposed.

JP 2018-018115 A JP 2018-014149 A

However, the conventional technology has room for improvement in enhancing convenience for users who make cashless remittances. For example, donations made by individuals to designated recipients are eligible for tax incentives such as income deductions and tax credits. However, with the conventional technology, when a user makes a donation remittance, it is not possible for the user to easily confirm whether or not the deduction system is applied to the remittee, and the user himself needs to investigate in advance. In addition, when a user receives application of the deduction system, it takes considerable time and effort to prepare documents necessary for application.

The present application has been made in view of the above, and an object thereof is to provide an information processing device, an information processing method, and an information processing program that can improve convenience for users who make cashless remittances.

An information processing apparatus according to the present application includes a determining unit and a providing unit. When the code read information including the remittance flag is received as a processing request from the user, the determination unit determines whether the remittee identified by the remittee identification information is deductible based on the remittee identification information included in the code read information. It is determined whether or not it is the application target of When the determination unit determines that the remittee is subject to the deduction system, the provision unit provides the user with a first screen displaying information indicating that the remittee is subject to the deduction system. .

According to one aspect of the embodiment, there is an effect that it is possible to improve the convenience of a user who makes a cashless remittance.

FIG. 1 is a diagram showing an overview of processing that is a prerequisite for information processing according to the present embodiment. FIG. 2 is a diagram showing an overview of information processing according to this embodiment. FIG. 3 is a diagram showing an example of a remittance destination database according to this embodiment. FIG. 4 is a diagram showing an example of the deduction certificate sending method database according to the present embodiment. FIG. 5 is a diagram showing an example of screen transition in the terminal device according to this embodiment. FIG. 6 is a block diagram showing a configuration example of an information processing apparatus according to this embodiment. FIG. 7 is a diagram showing an overview of the remittance destination database according to this embodiment. FIG. 8 is a diagram showing an overview of the deduction certificate delivery method database according to the present embodiment. FIG. 9 is a diagram showing an overview of the remittance history database according to this embodiment. FIG. 10 is a flow chart showing an example of the processing procedure of the information processing apparatus according to this embodiment. FIG. 11 is a hardware configuration diagram showing an example of a computer that implements the functions of the information processing apparatus according to this embodiment or a modified example.

Embodiments for implementing an information processing apparatus, an information processing method, and an information processing program according to the present application (hereinafter referred to as "present embodiments") will be described in detail below with reference to the drawings. The information processing apparatus, information processing method, and information processing program according to the present application are not limited to this embodiment. Also, in each of the following embodiments, the same parts are denoted by the same reference numerals, and overlapping descriptions are omitted.

[1. Example of processing that is a prerequisite for information processing according to the present embodiment]
An example of processing that is a prerequisite for information processing according to the present embodiment will be described below. FIG. 1 is a diagram showing an overview of processing that is a prerequisite for information processing according to the present embodiment. It should be noted that the premise processing described below and the information processing according to the present embodiment are executed in an information processing system SYS having the same configuration.

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

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

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

In addition, the terminal device 10 is compatible with wireless communication networks such as LTE (Long Term Evolution), 4G (4th Generation), 5G (5th Generation: fifth generation mobile communication system), Bluetooth (registered trademark), wireless LAN (Local Area Network) for connecting to a network N via short-range wireless communication. Thereby, the user U can operate the terminal device 10 to access the information processing device 100 and use the electronic payment service provided by the information processing device 100 .

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

The information processing apparatus 100 shown in FIG. 1 provides users U with electronic payment services. The information processing device 100 is typically a server device, but may be realized by a mainframe, workstation, or the like. When the information processing apparatus 100 is realized by a server device, it may be realized by a single server, or may be realized by a cloud system or the like in which a plurality of server devices and a plurality of storage devices operate in cooperation.

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

Here, an example of payment (electronic payment) using the terminal device 10 will be described prior to the information processing according to the embodiment. In the following description, a two-dimensional code (QR code (registered trademark)) placed at a store that is a member store of an electronic payment service and indicating store identification information for identifying the store is used. , an example in which the user U makes a payment using the terminal device 10 will be described, but the embodiment is not limited to this. An example of payment described below is also applicable when any user uses any terminal device to make payment at any store. The store identification information may be not only a QR code (registered trademark), but also a bar code, a predetermined mark, a number, or the like.

For example, when the user U uses or purchases a payment target (transaction target) such as various products and services at a store, the user U uses a payment application (payment application) installed in the terminal device 10. to start. Then, the user captures the store identification information installed at the store via the payment application. In such a case, the terminal device 10 displays a screen for inputting the price to be settled, and receives the input of the payment amount from the user U or the store clerk. Then, the terminal device 10 stores user identification information that identifies the user U, store identification information (or information indicated by the store identification information, that is, information indicating the store (for example, store ID)), and a settlement amount. The indicated payment information is transmitted to the information processing apparatus 100 .

In such a case, the information processing apparatus 100 transfers the amount of electronic money indicated by the payment amount from the account of the user U indicated by the user identification information to the account of the shop indicated by the shop identification information. Then, the information processing device 100 transmits to the terminal device 10 a notification that the payment has been completed. In such a case, the terminal device 10 notifies that the payment has been made with electronic money by outputting a screen or a predetermined sound indicating that the payment has been completed.

Note that the settlement using the terminal device 10 is not limited to the processing described above. For example, settlement using the terminal device 10 may be made using a store terminal installed in the store. For example, the terminal device 10 displays user identification information for identifying the user U on the screen. In such a case, the store terminal installed in the store reads the user identification information displayed on the terminal device 10, and reads the user identification information (or information indicated by the user identification information, that is, information indicating the user U). (for example, user ID)), the payment amount, and the information identifying the store are transmitted to the information processing apparatus 100 . In such a case, the information processing apparatus 100 transfers the amount of electronic money indicated by the settlement amount from the account of the user U indicated by the user identification information to the account of the store, and sends it to the store terminal or terminal device 10 of the store. On the other hand, the fact that the payment has been made may be notified by outputting a screen or a predetermined voice indicating that the payment has been completed.

In addition, settlement using the terminal device 10 is not only a process of transferring electronic money from an account charged with electronic money in advance by the user U to an account of the store, but also, for example, using a credit card registered in advance by the user U. It can be payment. In such a case, for example, the terminal device 10 may transfer electronic money for the settlement amount to the account of the store, and may charge the operating company of user U's credit card for the settlement amount.

It should be noted that the payment means and payment services described above are not limited to those for the provision of compensation for the purchase of goods or the provision of services (settlement of obligations). For example, as described above, the payment means or payment service may have functions related to remittances between accounts owned by multiple users. That is, the above-described payment means and payment service may be any service that controls transmission and reception of electronic money between accounts of any owner linked to the owner of electronic money, such as user U or a store. In other words, the settlement means and settlement service according to the embodiments are not limited to various controls for realizing exchange of electronic money (control of various inter-account remittances via electronic money, but also controls for exchange between an electronic money account and a bank account). Various types of credit processing such as control, division, processing accompanying bonus payments, and other various types of control related to the exchange of property including electronic money) can be provided in any form. good too. In addition, various controls realized by such transaction means and transaction services may include both control related to settlement and control related to remittance. That is, "transaction" is a concept that includes not only "settlement" related to electronic money, but also "remittance" of electronic money and various other processes. That is, the information processing device 100 may be an information processing device that implements transaction means for controlling exchange of electronic money between arbitrary owners.

Further, the information processing apparatus 100 shown in FIG. 1 provides a corporate account service for corporations. The corporate account service is used when using various services related to domestic exchange transactions for corporations. In the corporate account service, the corporate account provided from the information processing device 100 to the business operator X includes, for example, a main wallet and a sub-wallet.

The main wallet is linked to a financial institution account designated by business operator X in advance. For example, through this main wallet, the business operator X can deposit funds to be used for transactions of various services that the business operator X pre-registers for use. In addition, for example, business operator X can also receive payment of leftover funds that have not been appropriated for transaction of various services through this main wallet. In addition, the sub-wallet is associated with various services that the business operator X pre-registers for use. The balance transferred from the main wallet to the sub-wallet will be used for various service transactions.

Further, as a premise of the information processing according to the present embodiment, the information processing apparatus 100 can efficiently execute service processing related to digital money such as electronic money by allocating processing requests from the user U to appropriate processing. Hereinafter, processing that is a prerequisite for information processing according to the present embodiment will be specifically described along a flow that is assumed when this processing is performed. In the following explanation, Business Operator X concludes a merchant agreement as a member store of the electronic payment service with a business operator that operates the electronic payment service and the corporate account service, and is assumed to have been concluded. In other words, it can be said that business operator X is a service user who has a predetermined contractual relationship with a business operator who operates an electronic payment service and a corporate account service.

For example, the user U operates the terminal device 10 to read code information Q, which is a two-dimensional code associated with the business operator X, and transmits a processing request corresponding to the code information Q to the information processing device 100 . The code information Q shown in FIG. 1 is associated with either payment processing or remittance processing. The code information Q is configured to be readable using the terminal device 10 when the user U transmits a processing request. If the code information Q is code information for the purpose of settlement, it may be installed at a store that is a member of the electronic settlement service. Also, if the code information Q is code information for the purpose of remittance such as donations or offerings, it is placed at a fundraising venue for soliciting donations, shrines and temples, or a predetermined website for fundraising such as crowdfunding. It is assumed that A processing request transmitted from the terminal device 10 to the information processing device 100 includes request identification information for specifying the processing content corresponding to the processing request. For example, the request identification information is pre-embedded inside the code when the code information Q is written.

The information processing device 100 executes allocation processing for allocating the processing request received from the user U to the payment processing or the remittance processing (step S1). For example, based on the request identification information included in the processing request from the user U, the information processing device 100 assigns the processing based on the processing request to either the payment processing or the remittance processing.

Further, when the processing request is assigned to the payment processing, the information processing device 100 executes the payment processing according to the content of the processing request (step S2-1). When the payment processing is normally completed, the information processing device 100 receives electronic money equivalent to the payment amount through the payment service compatible wallet provided to the business operator X based on the conclusion of the electronic payment service member store contract. Accept deposits. Then, the information processing device 100 pays out the balance of the payment service compatible wallet to the financial institution account designated in advance by the business operator X as a transfer destination at a predetermined timing according to the member store contract.

Further, when the processing request is assigned to the remittance processing, the information processing device 100 executes the remittance processing according to the content of the processing request (step S2-2). When the remittance process is normally completed, the information processing device 100 accepts deposit of electronic money corresponding to the remittance amount through the remittance service sub-wallet linked to the corporate account of the business operator X. Then, the information processing device 100 adds the balance of the sub-wallet compatible with the remittance service to the balance of the main wallet of the corporate account as the received money of the business operator X. Then, the information processing device 100 pays out the balance of the corporate wallet to a financial institution account designated in advance by the business operator X as a transfer destination at a predetermined timing according to the use contract of the corporate account service.

In this manner, the information processing apparatus 100 according to the present embodiment can allocate processing requests from the user U to appropriate processing, and can efficiently execute processing related to services related to digital money such as electronic money. Further, the information processing apparatus 100 according to the present embodiment can provide the user U with a service of processing payment processing and remittance processing on the same platform.

[2. Example of information processing according to the present embodiment]
An example of information processing according to the present embodiment will be described below. FIG. 2 is a diagram showing an overview of information processing according to this embodiment. Note that the information processing according to the present embodiment provides information indicating that the remittee is subject to the deduction system when the processing request from the user U is sorted to the remittance processing in the presupposed processing described above. Realize Thereby, the information processing apparatus 100 according to the present embodiment can improve the convenience of the user U who makes a cashless remittance.

For example, the user U can easily execute electronic payment or remittance by reading the code information Q using a payment application installed on the terminal device 10 . Note that the remittance-related function may be provided in advance as a mini-app that operates in a payment app that functions as a super app, or may be provided as a separate application program.

The information processing according to the present embodiment will be specifically described below along the assumed flow when this information processing is performed. In the following, a case will be described in which the user U uses a payment application to send a donation to a specific remittee using digital money such as electronic money or virtual currency. can be applied to various cashless remittances using digital money without being particularly limited to this case.

For example, the user U operates the terminal device 10 to read the code information Q1 (step S11). Code information Q1 is generated in advance in information processing apparatus 100 in response to a request from a corporation such as a company or an organization. For example, the code information Q1 is composed of a two-dimensional code such as a QR code (registered trademark), and functions as a receiving means for receiving a remittance request from the user U. Note that the code information Q1 is an example of receiving means for receiving a remittance request from the user U, and any means capable of receiving a remittance request from the user U can be adopted. The code information Q1 describes information for performing remittance for a predetermined purpose by linking to a corporate account provided to corporations such as companies and organizations that use services for corporations, with these corporations as remittance recipients. be. For example, code information Q1 describes information for accessing a remittance screen (web page) prepared in advance for each project launched by a corporation for fundraising. For example, the information described in the code information Q1 includes remittance destination identification information for identifying the remittance destination, a remittance flag indicating a remittance request, and the like.

The terminal device 10 transmits code reading information read from the code information Q1 to the information processing device 100 as a processing request to the information processing device 100 (step S12). For example, the code reading information includes the remittance destination identification information for identifying the remittance destination, a remittance flag indicating a remittance request (corresponding to the above-mentioned "request identification information"), and the remittance source (user U). Remittance source identification information for identification is included. For example, as the remittance source identification information, a user ID (for example, U#000) that is individually assigned to the user U who uses the electronic payment service is used.

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

FIG. 3 shows an overview of the remittance destination database 121 provided in the information processing device 100 . FIG. 3 is a diagram showing an example of the remittance destination database 121 according to this embodiment. As shown in FIG. 3, the remittance destination database 121 includes items such as "remittee identification information", "remittance destination", "remittee display name", "deduction flag", and " "deduction details/response system", "remittable amount", "one unit setting", "one unit amount", and "method of sending deduction certificate". are doing.

The “remitter identification information” item stores unique identification information that is individually assigned to a remittee such as a company or an organization. The "remittance destination" item stores the name of the company or organization that is the remittance destination. The name of the remittee displayed on the terminal device 10 is stored in the item "display name of remittance destination". In the example shown in FIG. 3, "Donation A" is shown as the information stored in the item "display name of remittance destination".

The “deduction flag” item stores information indicating whether or not the remittance destination is subject to the deduction system. In the example shown in FIG. 3, "ON" is stored in the item "deduction flag". "ON" is an example of information indicating that the deduction system is applicable. The item "deduction details/response system" stores information indicating the details of the deduction applied to the remittee and information indicating the corresponding tax system. In the example shown in FIG. 3, "contribution deduction" is shown as the information indicating the content of the deduction applied to the remittee, and "income deduction" is shown as the corresponding tax system. Note that the item "deduction details/response system" may be an item in which information indicating general principles is stored. For example, for certain donations related to political activities, donations to certified NPOs, etc., and donations to public interest associations, etc., instead of income deductions, "special deduction for donations" is remembered as deduction details. and "tax credit" may be stored as the corresponding tax system.

The item of "remittable amount" stores information indicating the amount of money that can be remitted, which is set by the company or organization to which the remittance is to be made. In the example shown in FIG. 3, the minimum amount of money: 100 (yen) to the maximum amount of money: 1,000,000 (yen) are shown as the amounts that can be remitted stored in the item of "remittable amount". Information indicating whether or not the company or organization to which the remittance is to be made has set acceptance of remittance in units of one unit is stored in the item of "single unit setting". Information indicating the remittance amount per unit when acceptance of remittance in units of one unit is set is set in the item of "amount per unit". In the example shown in FIG. 3, it is indicated that the one-portion setting is not made.

Information indicating a method of sending a deduction certificate (receipt or receipt) that is required when the user U, who is the sender of the remittance, receives the deduction system is stored in the item "method of sending the deduction certificate". ing. In the example shown in FIG. 3, "mail" is shown as the delivery method of the deduction certificate stored in the item "delivery method of deduction certificate".

Further, when the user U who is the remittance source desires to send the deduction certificate, the information processing apparatus 100 acquires from the deduction certificate delivery method database 122 personal information items that need to be linked with the remittee. FIG. 4 shows an overview of the deduction certificate delivery method database 122 according to this embodiment. FIG. 4 is a diagram showing an example of the deduction certificate delivery method database 122 according to this embodiment.

As shown in FIG. 4, the deduction certificate sending method database 122 has an item of "Deduction certificate sending method" and an item of "Collaboration item for account cooperation". Information indicating the method of sending the deduction certificate is stored in the item "Method of sending the deduction certificate". In the item of "linkage items when linking accounts", information indicating items of personal information to be linked with a remittee when agreeing to share personal information when sending a deduction certificate is stored.

In the example shown in FIG. 4, when the delivery method of the deduction certificate is "mail", "name, telephone number, and address" are shown as personal information items that need to be linked with the remittance destination.

The information processing device 100 determines whether or not the remittee identified by the remittee identification information is subject to the deduction system based on the remittee identification information included in the code reading information received from the terminal device 10. . Then, when it is determined that the remittee is subject to the deduction system, the information processing apparatus 100 displays the remittance amount input screen W1 displaying information indicating that the remittee is subject to the deduction system. provide to

Specifically, based on the remittee identification information, the information processing apparatus 100 retrieves the "remittee" item and the "remittee display name" item associated with the remittee identification information from the remittee database 121. , “deduction flag” item, “deduction details/response system” item, “remittable amount” item, “single unit setting” item, and “single unit amount” item. By referring to each piece of information that is stored, the name of the remittee, the display name of the remittee, information indicating whether or not the remittee is subject to the deduction system, and the amount that can be remitted are acquired. Further, when the remittee is subject to the deduction system (when the deduction flag is "ON"), the information processing device 100 sends the deduction certificate to the remittee when agreeing to share personal information. acquires from the deduction certificate delivery method database 122 the information of the items of personal information linked with the Then, the information processing device 100 transmits the acquired information to the terminal device 10 as remittance destination information (step S14).

When the terminal device 10 receives the remittance destination information from the information processing device 100, the terminal device 10 displays a remittance amount input screen W1 (an example of a “first screen”) (step S15). In addition, in response to the operation on the remittance amount input screen, the terminal device 10 asks the remittee whether or not to agree to share personal information when sending the deduction certificate from the remittee. consent screen W2 (an example of a "second screen") is displayed (step S16). In addition, the terminal device 10 displays a remittance reception screen W3 (an example of the "third screen") corresponding to the operation on the consent screen W2 (step S17). Then, the terminal device 10 transmits a remittance instruction to the information processing device 100 in response to the operation on the remittance acceptance screen W3 (step S18).

When receiving the remittance instruction from the terminal device 10, the information processing device 100 executes remittance processing according to the received remittance instruction (step S19). For example, the remittance request contains remittance source identification information indicating the remittance source, information indicating the remittance amount, a business operator ID for identifying the business operator representing the remittance destination, and a code ID for identifying the project. is included. For example, as the remittance source identification information, a user ID (for example, U#000) that is individually assigned to the user U who uses the electronic payment service is used. The remittance process will be briefly described below.

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

Then, when the transmission process is normally completed, the information processing device 100 transmits a remittance completion notification to the terminal device 10 (step S20).

Screen transitions in the terminal device 10 will be specifically described below with reference to FIG. FIG. 5 is a diagram showing an example of screen transition in the terminal device 10 according to this embodiment. When the remittance destination information is received from the information processing device 100, the remittance amount input screen W1 shown in FIG. 5 is displayed on the terminal device 10 (step S31). Information J1 indicating the remittance destination included in the remittance destination information received from the information processing apparatus 100 is displayed on the remittance amount input screen W1 shown in FIG. For example, the information J1 indicating the remittance destination includes the name of the remittance destination company or organization (for example, "0000") and the remittance destination display name (for example, "A donation").

Further, when the remittee information received from the information processing device 100 includes information to the effect that the deduction system is applied to the remittee, the remittance amount input screen W1 shown in FIG. Label information J2 to that effect is displayed. For example, the label information J2 includes deduction details (for example, "donation deduction"). The label information J2 may be given according to the remittance destination, or may be given according to the address of the user U2 who is the remittance source.

In addition, on the remittance amount input screen W1 shown in FIG. 5, information J3 indicating the remittable amount included in the remittance destination information is displayed in association with the remittance amount input area. In the example shown in FIG. 5, "100 to 1,000,000 can be entered" is shown as the information J3 indicating the remittance amount. Note that the information processing apparatus 100 provides the user U with a remittance amount input screen W-1 in which the user U can freely input an amount within the range of the minimum and maximum amounts set by the remittee business operator. Not limited. For example, the information processing device 100 may provide the user U with a remittance amount input screen W-1 on which the user U can enter an amount in remittance units (one unit and one unit amount) set by the remittee business operator.

Further, the remittance amount input screen shown in FIG. 5 is provided with a button B1 for the user U to operate when proceeding with the remittance process. When the user U operates the button B1 provided on the remittance amount input screen shown in FIG. 5, the consent screen W2 is displayed on the terminal device 10 (step S32). The consent screen W2 displays information J4 indicating items of personal information linked to the remittee when agreeing to share the personal information in sending the deduction certificate.

Further, on the consent screen W2 shown in FIG. 5, a button B2 for the user U to operate when agreeing to share personal information with the remittee, and a button B2 for the user U to operate when not agreeing to share the personal information with the remittee. A button B3 for operation is provided.

For example, when the button B2 provided on the consent screen W1 shown in FIG. The remittance acceptance screen W3-1 is displayed. On the other hand, for example, when the button B3 provided on the consent screen W2 shown in FIG. A reception screen W3-2 is displayed. When a remittance button provided on the remittance acceptance screen W3-1 or remittance acceptance screen W3-2 shown in FIG. 5 is operated, the terminal device 10 instructs the information processing device 100 to remit (see FIG. 2). is sent.

Thus, according to the information processing apparatus 100 according to the present embodiment, it is possible to improve the convenience of the user U who makes a cashless remittance. That is, the information processing apparatus 100 can make the user U confirm in advance whether the remittance destination is subject to a deduction system such as donation deduction before executing the remittance. In addition, when the remittance destination is subject to the deduction system, the information processing apparatus 100 can cooperate with the remittee only by a simple procedure of personal information necessary for creating a deduction certificate, subject to user U's consent. , the user burden can be reduced. On the other hand, the information processing apparatus 100 can provide the personal information of the user U to the company or organization that is the remittee if the remittance source user U agrees. In addition, the information processing apparatus 100 can realize acceptance of remittances according to the wishes of companies, organizations, etc. to which remittances are to be made.

Further, in the information processing according to the present embodiment, if the remittee corresponding to the remittee identification information is a remittee that has already obtained consent from the user for sharing personal information, the information processing apparatus 100 When the remittance is remitted to the remittee, the provision of the consent screen W2 may be skipped and the remittance acceptance screen W3 may be provided.

Further, in the information processing according to the present embodiment, the information processing apparatus 100 may provide, in response to a request from the user U, a remittance history relating to remittances to which the deduction system is applied. For example, the information processing device 100 may filter and extract only the remittance history to the remittance destination to which the deduction system is applied from all the remittance histories of the user U, and provide the extracted remittance history to the user U. good. In this case, the information processing apparatus 100 may also provide the total amount of the remittance amount, or may provide the amount of the remittance amount that is the upper limit of the deduction.

[3. Device configuration example]
The configuration of the information processing apparatus 100 according to this embodiment will be described below. FIG. 6 is a block diagram showing a configuration example of an information processing apparatus according to this embodiment.

As shown in FIG. 6, the information processing apparatus 100 has a communication section 110, a storage section 120, and a control section .

(Regarding communication unit 110)
The communication unit 110 is connected to the network N by wire or wirelessly. The communication unit 110 transmits and receives information to and from the terminal device 10 via the network N. FIG. Communication unit 110 is realized by, for example, a NIC (Network Interface Card) or the like. The network N is a WAN (Wide Area Network) such as the Internet. The network N may include, for example, a communication network such as a LAN (Local Area Network), a telephone network (for example, a mobile telephone network, a fixed telephone network, etc.), a regional IP (Internet Protocol) network, or the like. Also, the network N may include a wired network or a wireless network.

(Regarding storage unit 120)
The storage unit 120 stores programs and data used for control and calculation by the control unit 130 . Storage unit 120 is implemented by, for example, a semiconductor memory device such as RAM (Random Access Memory) or flash memory, or a storage device such as a hard disk or optical disk. As shown in FIG. 6, the storage unit 120 includes a remittance destination database 121, a deduction certificate delivery method database 122, a remittance history database 123, a usage service information database 124, a settlement compatible wallet information database 125, and a corporate account. and an information database 126 .

(Regarding remittance destination database 122)
The remittance destination database 122 stores information on remittance destinations associated with the code information Q. FIG. FIG. 7 is a diagram showing an overview of the remittance destination database according to this embodiment. FIG. 7 shows an example of the remittance destination database 121 according to this embodiment, and may be configured in a form different from the example shown in FIG.

As shown in FIG. 7, the remittance destination database 121 includes items such as "remittee identification information", "remittance destination", "remittee display name", "deduction flag", and " Multiple items such as "deduction details / correspondence system", "remittable amount", "one unit setting", "one unit amount", and "method of sending deduction certificate" has the items of These items in the remittance destination database 121 are associated with each other.

The “remitter identification information” item stores unique identification information that is individually assigned to a remittee such as a company or an organization. The "remittance destination" item stores the name of the company or organization that is the remittance destination. The name of the remittee displayed on the terminal device 10 is stored in the item "display name of remittance destination". In the example shown in FIG. 7, as the information stored in the item of "remittance destination display name", "A donation", "B donation", and the like are shown.

The “deduction flag” item stores information indicating whether or not the remittance destination is subject to the deduction system. For example, when "ON" is stored in the "deduction flag" item, it indicates that the deduction system is applicable, and when "OFF" is stored in the "deduction flag" item, the deduction system Indicates not applicable.

The item "deduction details/response system" stores information indicating the details of the deduction applied to the remittee and information indicating the corresponding tax system. In the example shown in FIG. 7, "contribution deduction" is shown as the information indicating the content of the deduction applied to the remittee, and "income deduction" is shown as the corresponding tax system. Note that the item "deduction details/response system" may be an item in which information indicating general principles is stored. For example, for certain donations related to political activities, donations to certified NPOs, etc., and donations to public interest associations, etc., instead of income deductions, "special deduction for donations" is remembered as deduction details. and "tax credit" may be stored as the corresponding tax system.

The item of "remittable amount" stores information indicating the amount of money that can be remitted, which is set by the company or organization to which the remittance is to be made. In the example shown in FIG. 7, the minimum amount of money: 100 (yen) to the maximum amount of money: 1,000,000 (yen) are shown as the amounts that can be remitted stored in the "remittable amount" item. Information indicating whether or not the company or organization to which the remittance is to be made has set acceptance of remittance in units of one unit is stored in the item of "single unit setting". Information indicating the remittance amount per unit when acceptance of remittance in units of one unit is set is set in the item of "amount per unit".

Information indicating the method of sending the deduction certificate (receipt/receipt) required when the user U, who is the sender of the remittance, receives the application of the deduction system is stored in the item "Deduction certificate delivery method". ing. In the example shown in FIG. 7, "mail" and "e-mail" are shown as the delivery method of the deduction certificate stored in the item "delivery method of deduction certificate".

According to FIG. 7, the remittance destination identified by the remittance destination identification information: “xxx.aaa”: “〇〇〇〇” is displayed on the terminal device 10 as “Donation A”. In addition, according to Figure 7, remittances to the remittance destination: “〇〇〇〇” are eligible for donation deductions, which are income deductions. You can freely enter the amount, and there is no single unit setting. In addition, according to FIG. 7, it is shown that the deduction certificate necessary for applying the deduction system for remittance to the remittance destination: "OOOO" will be sent by mail.

(Regarding deduction certificate sending method database 122)
The deduction certificate delivery method database 122 stores information on the deduction certificate delivery method. FIG. 8 is a diagram showing an overview of the deduction certificate delivery method database according to the present embodiment. Note that FIG. 8 shows an example of the deduction certificate delivery method database 122 according to the present embodiment, and may be configured in a form different from the example shown in FIG.

As shown in FIG. 8, the deduction certificate delivery method database 122 has items of "delivery method of deduction certificate" and items of "linkage items when linking accounts". Information indicating the method of sending the deduction certificate is stored in the item "Method of sending the deduction certificate". In the item of "linkage items when linking accounts", information indicating items of personal information to be linked with a remittee when agreeing to share personal information when sending a deduction certificate is stored.

In the example shown in FIG. 8, if the method of sending the deduction certificate is "e-mail", "name, telephone number, and email address" are shown as personal information items that need to be linked to the remittance destination. . Also, in the example shown in FIG. 8, when the deduction certificate delivery method is "mail", "name, telephone number, and address" are shown as personal information items that need to be linked to the remittance destination. .

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

As shown in FIG. 9, the remittance history database 123 includes a "user ID" item, a "remittance date" item, a "remittee business operator" item, a "remittee display name" item, It has an item of "remittance amount", an item of "deduction information", and an item of "deduction details/response system". These items in the remittance history database 123 are associated with each other.

The item “user ID” stores identification information that is individually assigned to the user U who has made the remittance. The item "remittance date" stores information indicating the date of remittance. Information indicating a business operator (corporation) such as a company or an organization that is a remittance destination is stored in the item of "remittance destination business operator". The information of the remittance destination displayed on the terminal device 10 is stored in the item of "remittance destination display name". The item "remittance amount" stores information indicating the remittance amount. Information indicating whether or not the deduction system is applied is stored in the item of “deduction information”. The item "deduction details/response system" stores information indicating the details of the deduction applied to the remittee and information indicating the corresponding tax system.

According to Fig. 9, user U identified by user ID: "#000" sent 1,000 yen to remittee business operator: "〇〇〇〇" on April 14, 2022. It is shown that a transfer has occurred. Further, according to FIG. 9, it is shown that this remittance is subject to application of donation deduction, which is an income deduction.

(Regarding the usage service information database 124)
The used service information database 124 stores information about services used by service users who are business operators (corporations) such as companies and organizations that use corporate accounts. For example, the services to be used include payment services (receiving agency services) that become available by concluding a merchant contract, and after concluding a use contract for a corporate account service with a company that provides a corporate account service. , a remittance service (remittance receipt service) that can be used by registering for use of the remittance service.

(Regarding payment compatible wallet information database 125)
The payment compatible wallet information database 125 stores payment compatible wallet information related to payment compatible wallets owned by business operators using the payment service. Payment compatible wallet information includes a business ID, which is identification information for identifying a business operator who has signed a contract with a member store as a member store of an electronic payment service, and a member store ID, which is identification information for identifying a member store. , store ID, which is identification information for identifying a store, wallet ID, which is identification information for identifying a payment compatible wallet, information indicating the money balance of a payment compatible wallet, financial institution linked to a wallet account number indicating the account of

(Regarding the corporate account information database 126)
The corporate account information database 126 stores information on corporate accounts corresponding to business operators who have entered into a use contract for the corporate account service. To store information about a corporate account, a business ID that is identification information for identifying a business that uses the corporate account service, a corporate account ID that is identification information for identifying a corporate account, a main wallet, It includes the money balance of the sub-wallet and the account number that indicates the account of the financial institution linked to the main wallet.

(Regarding the control unit 130)
The control unit 130 is a controller that controls the information processing device 100 and performs calculations. Various programs stored in a storage device inside the information processing apparatus 100 are executed by using a RAM as a work area, for example, by a CPU (Central Processing Unit) or an MPU (Micro Processing Unit). It is realized by Also, the control unit 130 is implemented by an integrated circuit such as an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array), or an SoC (System on a Chip).

As shown in FIG. 6 , the control unit 130 has a distribution processing unit 131 , a determination unit 132 , a provision unit 133 , a settlement processing unit 134 and a remittance processing unit 135 . The control unit 130 implements or executes the functions and actions of information processing described below by using the respective units shown in FIG. 6 .

(Regarding the distribution processing unit 131)
The distribution processing unit 131 distributes the processing based on the processing request to either the payment processing or the remittance processing based on the request identification information included in the code reading information accepted as the processing request from the user U.

(Regarding the determination unit 132)
When the code reading information includes a remittance flag, the remittance receiving unit 132 determines whether the deduction system is applied to the remittee identified by the remittee identification information based on the remittance destination identification information included in the code reading information. determine whether or not

(Regarding the providing unit 133)
If the determining unit 132 determines that the deduction system applies to the remittee, the providing unit 132 displays the remittance amount input screen W1 (for example, , FIG. 5) is provided to the user U. For example, the providing unit 132 provides a remittance amount input screen W1 (for example, see FIG. 5) on which information indicating the content of the deduction corresponding to the remittance is displayed as information indicating that the deduction system is applicable.

Further, for example, the providing unit 133 provides a remittance amount input screen W1 that allows the user U to input the remittance amount according to settings previously received from the remittance destination business operator. Specifically, the providing unit 133 provides a remittance amount input screen W1 on which an amount can be input within the range of the minimum amount and the maximum amount set by the remittance destination business operator. Further, the providing unit 133 provides a remittance amount input screen W1 on which the amount can be input in units of remittance set by the remittance destination business operator.

In addition, the providing unit 133 inquires of the remittee whether or not to agree to share the personal information in response to the user U's operation on the remittance amount input screen W1 (for example, operation on the button B1). If the consent screen W2 (see, for example, FIG. 5) for sharing personal information is provided to the user U and the user U consents to the sharing of personal information through the consent screen W2, the personal information is automatically entered in a predetermined area. The user U is provided with a remittance acceptance screen W3 (see FIG. 5, for example).

Further, when the remittee corresponding to the remittee identification information is a remittee for which consent has been obtained from the user U for the sharing of personal information, the providing unit 133 does not provide consent for remittance to the remittee for which consent has already been obtained. The screen W2 is skipped and the remittance acceptance screen W3 is provided.

Further, the providing unit 133 provides, in response to a request from the user U, a remittance history relating to remittances to which the deduction system is applied. For example, the providing unit 133 may filter and extract only the remittance history to the remittee to which the deduction system is applied from all the remittance histories of the user U, and provide the extracted remittance histories to the user U. . In this case, the information processing apparatus 100 may also provide the total amount of the remittance amount, or may provide the amount of the remittance amount that is the upper limit of the deduction.

(Regarding the payment processing unit 134)
When the processing request is sorted by the sorting processing unit 131 to the settlement process, the settlement processing unit 134 distributes electronic money equivalent to the settlement amount included in the processing request to the operator who is the service user of the settlement service. As sales proceeds, it will be added to the balance of the payment service compatible wallet linked to the payment service that supports payment processing. In addition, the payment processing unit 134 pays out the balance of the wallet compatible with the payment service at a predetermined timing according to the member store contract to the financial institution account designated in advance as the transfer destination by the business operator who is the service user of the payment service. .

(Regarding the remittance processing unit 135)
When the remittance processing unit 131 distributes the processing request to the remittance processing, the remittance processing unit 135 distributes the electronic money equivalent to the remittance amount included in the processing request to the business operator who is the service user of the remittance service. Add to the corporate account balance as a payout. In addition, when the remittance processing is normally completed, the remittance processing unit 135 sends an amount equivalent to the remittance amount through the sub-wallet for the remittance service linked to the corporate account of the business operator who is the service user of the remittance service. receive electronic money deposits. In addition, the remittance processing unit 135 adds the balance of the sub-wallet compatible with the remittance service to the balance of the main wallet held by the corporate account as the business operator's receipt. In addition, the remittance processing unit 135 pays out the balance of the corporate wallet at a predetermined timing according to the use contract of the corporate account service to the financial institution account designated in advance by the business operator who is the user of the remittance service. .

[4. Processing procedure]
Next, a processing procedure performed by the information processing apparatus 100 according to this embodiment will be described with reference to FIG. FIG. 10 is a flow chart showing an example of the processing procedure of the information processing apparatus according to this embodiment. Note that the processing procedure described below is repeatedly executed by the control unit 130 of the information processing apparatus 100 .

As shown in FIG. 10, when the code reading information includes a remittance flag, the determination unit 132 determines whether the remittee identified by the remittee identification information is deductible based on the remittance destination identification information included in the code reading information. (step S101).

Further, when the remittance receiving unit 132 determines that the remittee is subject to the deduction system, the providing unit 133 displays information indicating that the remittee is subject to the deduction system. The remittance amount input screen W1 is provided to the user U (step S102).

Further, the providing unit 132 provides the user U with a consent screen W2 for inquiring whether or not the remittee agrees to share the personal information (Step S103).

Further, the providing unit 132 determines whether or not the user U has consented to sharing the personal information through the consent screen W2 (step S104). When the providing unit 132 determines that the consent for sharing the personal information has been obtained from the user U through the consent screen W2 (step S104: Yes), the remittance acceptance in which the personal information is automatically entered in the input field which is the predetermined area. The screen W3-1 is provided to the user U (step S105).

Further, when the remittance processing unit 135 receives a remittance instruction from the user U (for example, when the remittance button is operated), the remittance processing unit 135 executes remittance processing according to the instruction of the user U (step S107). ends the procedure shown in .

In step S104 described above, if the provision unit 132 determines that consent for sharing personal information has not been obtained from the user U through the consent screen W2 (step S104: No), the remittance acceptance with the personal information input field blank. The screen W3-2 is provided to the user U (step S108), and the process proceeds to step S107 described above.

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

(5-1. Consent to sharing personal information)
For example, in the example of the information processing according to the present embodiment described above, the information processing apparatus 100 performs remittance processing on the condition that the remittee agrees to share personal information with the remittee to which the deduction system is applied. may be executed. As a result, the deduction certificate can be reliably provided to the user U who is the source of the remittance.

(5-2. Regular remittance)
For example, in the example of the information processing according to the present embodiment described above, the information processing apparatus 100 not only accepts remittances on an ad-hoc basis through the code information Q, but also periodically remittances in response to the bow from the user U. may be accepted.

(5-3. Setting upper limit for remittance amount)
For example, in the example of the information processing according to the present embodiment described above, the information processing apparatus 100, in response to a request from the user U, requests remittance from the user U up to the amount of money for which the deduction system can be used from the user U. You may process so that it may be accepted.

[6. Hardware configuration]
Also, the information processing apparatus 100 according to the present embodiment described above is realized by, for example, a computer 1000 having a configuration as shown in FIG. FIG. 11 is a hardware configuration diagram showing an example of a computer that implements the functions of the service providing device according to this embodiment or a modified example.

A computer 1000 is connected to an output device 1010 and an input device 1020, and an arithmetic device 1030, a primary storage device 1040, a secondary storage device 1050, an output IF (Interface) 1060, an input IF 1070, and a network IF 1080 are connected via a bus 1090. have

Arithmetic device 1030 operates based on programs stored in primary storage device 1040 and secondary storage device 1050, programs read from input device 1020, and the like, and executes various types of processing. The primary storage device 1040 is a memory device such as a RAM that temporarily stores data used by the arithmetic device 1030 for various calculations. The secondary storage device 1050 is a storage device in which data used for various calculations by the arithmetic device 1030 and various databases are registered, and is implemented by a ROM (Read Only Memory), HDD, flash memory, or the like.

The output IF 1060 is an interface for transmitting information to be output to the output device 1010 that outputs various types of information such as a monitor and a printer. It is realized by a connector conforming to a standard such as HDMI (registered trademark) (High Definition Multimedia Interface). Also, the input IF 1070 is an interface for receiving information from various input devices 1020 such as a mouse, keyboard, scanner, etc., and is implemented by, for example, USB.

Note that the input device 1020 includes, for example, optical recording media such as CDs (Compact Discs), DVDs (Digital Versatile Discs), PDs (Phase change rewritable discs), magneto-optical recording media such as MOs (Magneto-Optical discs), and tapes. It may be a device that reads information from a medium, a magnetic recording medium, or a semiconductor memory. Also, the input device 1020 may be an external storage medium such as a USB memory.

Network IF 1080 receives data from other devices via network N and sends the data to arithmetic device 1030, and also transmits data generated by arithmetic device 1030 via network N to other devices.

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

For example, when the computer 1000 functions as the information processing device 100 according to the present embodiment, the arithmetic device 1030 of the computer 1000 executes a program (for example, an information processing program) loaded on the primary storage device 1040 to A function similar to that of the control unit 330 is realized. That is, the arithmetic device 1030 realizes the processing by the information processing device 100 according to this embodiment in cooperation with the program (for example, the information processing program) loaded on the primary storage device 1040 .

Further, when the computer 1000 functions as the information processing device 100 according to the modification, the arithmetic device 1030 of the computer 1000 executes a program (for example, an information processing program) loaded on the primary storage device 1040 to perform control. A function similar to that of the unit 430 is realized. That is, arithmetic device 1030 implements processing by information processing device 100 according to the modification in cooperation with a program (for example, an information processing program) loaded on primary storage device 1040 .

[7. effect〕
As described above, the information processing apparatus 100 according to this embodiment includes the determination unit 132 and the provision unit 133 . When the code reading information including the remittance flag is received as a processing request from the user, the determination unit 132 deducts the remittee identified by the remittee identification information based on the remittee identification information included in the code reading information. Determine whether or not the system is applicable. If the determining unit 132 determines that the deduction system applies to the remittee, the providing unit 133 displays the remittance amount input screen W1 (for example, , FIG. 5) is provided to the user U.

Further, the providing unit 133 provides a remittance amount input screen W1 on which information indicating the content of the deduction corresponding to the remittance is displayed as information indicating that the deduction system is applicable.

In addition, the providing unit 133 provides a remittance amount input screen W1 on which the user U can input the remittance amount according to settings accepted in advance from the remittance destination business operator. Specifically, the providing unit 133 provides a remittance amount input screen W1 on which an amount can be input within the range of the minimum amount and the maximum amount set by the remittance destination business operator. Further, the providing unit 133 provides a remittance amount input screen W1 on which the amount can be input in units of remittance set by the remittance destination business operator.

In addition, the providing unit 133 inquires of the remittee whether or not to agree to share the personal information in response to the user U's operation on the remittance amount input screen W1 (for example, operation on the button B1). If the consent screen W2 (see, for example, FIG. 5) for sharing personal information is provided to the user U and the user U consents to the sharing of personal information through the consent screen W2, the personal information is automatically entered in a predetermined area. The user U is provided with a remittance acceptance screen W3 (see FIG. 5, for example).

Further, when the remittee corresponding to the remittee identification information is a remittee for which consent has been obtained from the user U for the sharing of personal information, the providing unit 133 does not provide consent for remittance to the remittee for which consent has already been obtained. The screen W2 is skipped and the remittance acceptance screen W3 is provided.

In this manner, the information processing apparatus 100 according to the present embodiment enhances the convenience of the user U who makes cashless remittances through the processes executed by the above-described units or a combination of the units. can be done. That is, the information processing apparatus 100 can make the user U confirm in advance whether the remittance destination is subject to a deduction system such as donation deduction before executing the remittance. In addition, when the remittance destination is subject to the deduction system, the information processing apparatus 100 can cooperate with the remittee only by a simple procedure of personal information necessary for creating a deduction certificate, subject to user U's consent. , the user burden can be reduced.

Further, the providing unit 133 provides, in response to a request from the user U, a remittance history relating to remittances to which the deduction system is applied. Thereby, the information processing apparatus 100 according to the present embodiment can further enhance the convenience of the user U who makes a cashless remittance.

[8. others〕
As described above, the embodiments and some of the modifications have been described in detail with reference to the drawings, but these are examples, and various modifications can be made based on the knowledge of those skilled in the art, including the aspects described in the section of the disclosure of the invention. It is possible to carry out the present invention in other forms with modifications and improvements.

In addition, the information processing apparatus 100 described above can flexibly change its configuration, for example, by calling an external platform or the like using an API (Application Programming Interface), network computing, or the like, depending on the function.

In addition, the "unit" described in the claims can be read as "means", "circuit", or the like. For example, the control unit can be read as control means or a control circuit.

Also, the effects described in the embodiments of the present application are merely descriptive or exemplary, and are not limiting. In other words, the embodiments of the present application can have other effects that are obvious to those skilled in the art from the description of the embodiments in addition to or instead of the above effects.

10 terminal device 100 information processing device 110 communication unit 120 storage unit 121 remittance destination database 122 deduction certificate delivery method database 123 remittance history database 124 service information database 125 payment compatible wallet information database 126 corporate account information database 130 control unit 131 allocation Processing unit 132 Determining unit 133 Providing unit 134 Settlement processing unit 135 Remittance processing unit

Claims (10)

When code reading information including a remittance flag is received as a processing request from a user, the deduction system is applied to the remittee identified by the remittee identification information based on the remittee identification information included in the code reading information. A determination unit that determines whether or not it is a target,
If the determination unit determines that the remittance destination is subject to the deduction system, a first screen displaying information indicating that the remittance destination is subject to the deduction system is displayed to the user. An information processing apparatus comprising: a providing unit for providing; The providing unit
2. The information according to claim 1, wherein the first screen displaying information indicating details of the deduction applied to the remittee is provided as the information indicating that the deduction system is applicable. processing equipment. The providing unit
2. The information processing apparatus according to claim 1, wherein the first screen is provided on which the user can enter a remittance amount in accordance with settings previously received from a remittance destination business operator to which remittance is to be made. The providing unit
4. The information processing apparatus according to claim 3, wherein the first screen is provided so that an amount can be entered within a range between a minimum amount and a maximum amount set by the remittance destination business operator. The providing unit
4. The information processing apparatus according to claim 3, wherein the first screen is provided on which an amount can be entered in units of remittance set by the remittance destination business operator. The providing unit
providing the user with a second screen for inquiring whether or not to agree to share personal information with the remittee in response to an operation on the first screen;
When the user agrees to share the personal information through the second screen, the user is provided with a third screen in which the personal information is automatically entered in a predetermined area. The information processing device according to claim 1 . The providing unit
If the remittee corresponding to the remittee identification information is a remittee for whom consent to sharing the personal information has already been obtained from the user, the remittance to the remittee for whom the consent has already been obtained is displayed on the second screen. 7. The information processing apparatus according to claim 6, wherein providing the third screen is skipped. The providing unit
2. The information processing apparatus according to claim 1, wherein a remittance history relating to remittances to which the deduction system is applied is provided to the remittee in response to a request from the user. A computer-executed information processing method comprising:
When code reading information including a remittance flag is received as a processing request from a user, the deduction system is applied to the remittee identified by the remittee identification information based on the remittee identification information included in the code reading information. A determination step of determining whether or not it is a target;
If the determination step determines that the remittee is subject to the deduction system, a first screen displaying information indicating that the remittee is subject to the deduction system is displayed to the user. An information processing method, comprising: a providing step of providing; to the computer,
When code reading information including a remittance flag is received as a processing request from a user, the deduction system is applied to the remittee identified by the remittee identification information based on the remittee identification information included in the code reading information. A determination procedure for determining whether or not it is a target,
If the determination procedure determines that the remittance destination is subject to the deduction system, a first screen displaying information indicating that the remittance destination is subject to the deduction system is displayed to the user. An information processing program characterized by executing a provision procedure to be provided;

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