JP6739569B2 - Deposit management device and deposit management method - Google Patents

Description

The present invention relates to a deposit management device and a deposit management method.

Conventionally, a deposit processing device such as an ATM performs deposit processing in response to receiving a deposit destination account number and a deposit amount from a deposit requester (see, for example, Patent Document 1).

JP-A-8-221498

By the way, even when the account is an electronic money account, the electronic money account may be transferred to another account. On the other hand, businesses of electronic money services are required to regulate the cashing of electronic money from electronic money services and increase the utilization rate of electronic money services.

Therefore, the present invention has been made in view of these points, and an object of the present invention is to provide a deposit management device and a deposit management method capable of increasing the utilization rate of an electronic money service.

A deposit management device according to a first aspect of the present invention, an acquisition unit that acquires a deposit amount from a deposit request source to an electronic money account of a user and a deposit method into the electronic money account, A deposit processing unit that performs deposit processing of the deposit amount to the electronic money account, and stores in the storage unit deposit and withdrawal history information that associates the deposit amount into the electronic money account and the deposit method. When the user receives a request for deposit from the user's account for the electronic money to another account of the user different from the account for the electronic money, before depositing by a predetermined deposit method. While accepting the deposit request with the balance of the entered amount as the upper limit, limiting the deposit of the deposit amount deposited in the electronic money account to the other account by a deposit method different from the predetermined deposit method. And a reception unit.

The acquisition unit acquires, from the deposit requester, the deposit amount to the electronic money account and a telephone number of a deposit destination user, and the deposit processing unit is configured to store the acquisition unit in the storage unit. The deposit process of the deposit amount may be performed on the electronic money account having the account number associated with the telephone number acquired by.

The predetermined deposit method may be settable for each user.

When the reception unit receives a request from the user for a deposit from the user's account for electronic money to the other account that can be cashed, the predetermined deposit is accepted. While accepting the deposit request with the balance of the deposit amount deposited by a method as an upper limit, the other account of the deposit amount deposited into the electronic money account by a deposit method different from the predetermined deposit method. Deposits may be restricted.

When receiving a request from the user to deposit money from the user's account for electronic money to the other account, the reception unit sets the balance of the deposit amount received from a predetermined deposit requester as an upper limit. While accepting the deposit request, the deposit amount, which is deposited in the electronic money account from a deposit requester different from the predetermined deposit requester, may be limited to the other account.

A deposit management method according to a second aspect of the present invention obtains a deposit amount to a user's electronic money account and a deposit method to the electronic money account from a deposit requester, which is executed by a computer. And a depositing/withdrawing history information that associates the depositing amount into the electronic money account with the depositing method, and stores the depositing/discharging history information in the storage unit. And when accepting a deposit request from the user to the other account of the user different from the electronic money account of the user, the deposit is made by a predetermined deposit method. While accepting the deposit request with the balance of the deposit amount as an upper limit, depositing the deposit amount deposited into the electronic money account by a deposit method different from the predetermined deposit method into the other account. Limiting step.

According to the present invention, there is an effect that the deposit requester can easily deposit money into the deposit destination.

It is a figure which shows the outline of the payment management apparatus which concerns on 1st Embodiment. It is a figure which shows the structure of the deposit management apparatus which concerns on 1st Embodiment. It is a figure which shows an example of the information memorize|stored in the user information storage part. It is a figure which shows an example of the information memorize|stored in the account information storage part. It is a figure showing an example of a cash-receipt-and-disbursement history. It is a figure which shows an example of a payment screen and a confirmation screen. It is an example of a reception screen for receiving the transfer of the balance to a predetermined bank account. It is a sequence diagram which shows the flow of the process regarding the payment from the deposit requester. It is a sequence diagram which shows the flow of the process which concerns on the movement of the balance from the account for electronic money to a predetermined bank. It is an example of a reception screen for receiving the transfer of the balance to another account.

<First Embodiment>
FIG. 1 is a diagram showing an outline of the deposit management device 1 according to the first embodiment.
The deposit management device 1 is a device that provides an electronic money service using a prepaid card, and manages electronic money deposited in the prepaid card.

The deposit management device 1 includes the telephone number of the deposit destination user and information indicating the deposit amount to the electronic money account of the user from the request source terminal 2 such as a personal computer or a smartphone used by the deposit request source. Accept the deposit request ((1) in FIG. 1). Here, the deposit request source is, for example, a company that refunds the user, a company that gives the user electronic money as a privilege, an administrative agency that provides the user with a predetermined benefit by the electronic money, or an auction by the user. For example, the sale destination of the product sold by the user, the user's family and friends, the user himself, or the like. In addition, in the present embodiment, the deposit requester is not the user himself unless otherwise specified. Although illustration is omitted, when the user himself/herself deposits money, a deposit request may be accepted from the user terminal 3.

The deposit management device 1 determines whether or not there is a user's electronic money account corresponding to the telephone number specified in the deposit request ((2) in FIG. 1). Deposit processing to the account is performed ((3) in FIG. 1).
By doing so, the deposit requester can easily deposit money to the user by designating the telephone number of the user without designating the account number of the user.

In response to the deposit process, the deposit management device 1 transmits deposit completion information indicating that the deposit process is completed to the request source terminal 2. Further, the deposit management device 1 determines that there is no account for the user's electronic money, and if the deposit process cannot be performed, the request source terminal displays error information indicating that the deposit process cannot be performed. Send to 2. In addition, the deposit management device 1 identifies the contact address of the user and transmits the deposit completion information or the error information to the user terminal 3 such as a smartphone corresponding to the contact address ((4) in FIG. 1).

The user operates the user terminal 3 to log in the electronic money service by transmitting the user ID as user identification information for identifying the user and the password corresponding to the user ID to the deposit management device 1. , Check the user's electronic money account balance and deposit/withdrawal history.

The deposit management device 1 receives a deposit request to a predetermined bank account from the user terminal 3 ((5) in FIG. 1). Here, the predetermined bank is, for example, a financial institution that has a business tie-up with a business operator of an electronic money service.

The deposit management device 1 determines whether or not the user of the user terminal 3 has an account at a predetermined bank ((6) in FIG. 1). When the deposit management device 1 determines that there is a predetermined bank account, the deposit management device 1 accepts the designation of the deposit amount from the user terminal 3 and performs the deposit process to the predetermined bank account ((7) in FIG. 1). ).

The deposit management device 1 transmits deposit completion information to the user terminal 3 in response to the deposit processing to a predetermined bank account ((8) in FIG. 1).
By doing so, when the user has a plurality of accounts such as an electronic money account and a predetermined bank account, the user can perform a simple operation from the electronic money account to the predetermined bank account. Can be credited to.

Next, the configuration of the deposit management device 1 will be described. FIG. 2 is a diagram showing a configuration of the deposit management device 1 according to the first embodiment. The deposit management device 1 includes a communication unit 11, a storage unit 12, and a control unit 13.

The communication unit 11 is an interface for connecting to a communication network such as the Internet, and includes, for example, a LAN controller. The communication unit 11 communicates with the request source terminal 2 and the user terminal 3 via the communication network.

The storage unit 12 is a storage medium such as a ROM, a RAM and a hard disk. The storage unit 12 stores a program executed by the control unit 13. Further, the storage unit 12 stores the user information storage unit 121 that stores the telephone numbers of a plurality of users and the user IDs in association with each other, the user ID, and the account number of the user's electronic money account in association with each other. And an account information storage unit 122.

FIG. 3 is a diagram showing an example of information stored in the user information storage unit 121. As shown in FIG. 3, the user information storage unit 121 stores a user ID, a user name, a user's telephone number, a user's contact information, and information indicating the presence or absence of a predetermined bank account in association with each other. Here, the telephone number is a telephone number assigned to the user terminal 3. The contact information is a mail address associated with the user terminal 3. In the presence or absence of a predetermined bank account, "none" is stored as an initial state. The presence/absence of a predetermined bank account is updated from “absence” to “presence”, for example, when the control unit 13 receives a designation of a predetermined bank account number from the user.

FIG. 4 is a diagram showing an example of information stored in the account information storage unit 122. As illustrated in FIG. 4, the account information storage unit 122 stores a user ID, an account number of an electronic money account, an electronic money balance, and an electronic money deposit/withdrawal history in association with each other.

Here, the account number is, for example, a number with a predetermined number of digits attached to the prepaid card for identifying the prepaid card. If the account number associated with the user ID is "-", it means that the user with the user ID does not carry the prepaid card.

FIG. 5 is a diagram showing an example of a deposit/withdrawal history. The deposit/withdrawal history shown in FIG. 5 corresponds to the user ID “TARO97” in FIG. As shown in FIG. 5, in the deposit/withdrawal history, the date/time of deposit/withdrawal, the classification of deposit/withdrawal, the deposit/withdrawal amount, the requester identification information for identifying the deposit requester, or the withdrawal destination identification for identifying the deposit/destination Information, a deposit method, and a balance after deposit/withdrawal are associated with each other.

In this embodiment, when the electronic money is withdrawn, the amount of money deposited earlier is assigned to the withdrawal. In the example shown in FIG. 5, deposits are made on 2015/5/11 and 2015/5/12 respectively, but withdrawals on 2015/5/13 were deposited on 2015/5/11. It shall be allocated from the amount of money. The deposit management device 1 stores the balance of electronic money for each deposit, and when the electronic money is dispensed, the deposit balance is subtracted from the balance corresponding to the deposit allocated , It is possible to manage which deposit corresponds to the balance.

The control unit 13 is, for example, a CPU. The control unit 13 controls various functions of the deposit management apparatus 1 by executing various programs stored in the storage unit 12.
The control unit 13 includes an acquisition unit 131, a determination unit 132, a deposit processing unit 133, a notification unit 134, a privilege granting unit 135, and a reception unit 136.

The acquisition unit 131 acquires the requester identification information, the amount of money deposited into an electronic money account, the telephone number of the depositee, and the deposit method from the requester terminal 2 of the deposit requester. For example, when the user of the request source terminal 2 logs in to the electronic money service and receives an operation for depositing, the acquisition unit 131 causes the request source terminal 2 to display the deposit screen shown in FIG. In FIG. 6(a), there are provided an input field for the telephone number of the deposit destination, an input field for the deposit amount, and a confirmation button displaying "Next". When the confirmation button is selected in the state where the telephone number and the deposit amount are input in the respective input fields, the acquisition unit 131 causes the requester identification information that is associated in advance with the user of the requester terminal 2 and the electronic money. Of the deposit amount, the telephone number of the deposit destination user, and the deposit method.

Here, when the user of the request source terminal 2 is different from the user corresponding to the input telephone number, the deposit method is “transfer from another person”. Also, if the user deposits into his or her own prepaid card at a store, etc., the deposit method will be "cash charge", and if the user deposits from the prepaid card management screen (not shown), the deposit will be The method is "transfer charge".

The determination unit 132 determines whether or not the account number corresponding to the user ID associated with the telephone number acquired by the acquisition unit 131 is stored in the account information storage unit 122. Specifically, when the acquisition unit 131 acquires the telephone number, the determination unit 132 specifies the user ID associated with the telephone number in the user information storage unit 121. The determination unit 132 refers to the account information storage unit 122 and determines whether or not there is an account number associated with the specified user ID.

When determining that the account number of the user is stored, the determining unit 132 specifies the user name associated with the acquired telephone number in the user information storage unit 121. Subsequently, as shown in FIG. 6B, the determination unit 132 causes the request source terminal 2 to display a confirmation screen including the input telephone number, the input deposit amount, and the specified user name. When the user of the request source terminal 2 selects the deposit button displayed as “Deposit” on the confirmation screen, the acquisition unit 131 acquires deposit instruction information for instructing deposit to the deposit destination.

When the determination unit 132 determines that the user's account number is stored, the deposit processing unit 133 performs the deposit process of the deposit amount acquired by the acquisition unit 131 on the account corresponding to the account number. Specifically, when the determination unit 132 determines that the account number of the user is stored and the acquisition unit 131 acquires the deposit instruction information, the deposit processing unit 133 causes the account information storage unit 122 to store the account number of the user. The balance associated with is increased by the deposit amount acquired by the acquisition unit 131. Further, the deposit processing unit 133 stores, as the deposit/withdrawal history, the deposit date, the deposit/withdrawal category “deposit”, the deposit amount, the requester identification information, and the deposit method in association with each other.

When the determination unit 132 determines that the account number of the user's electronic money account is stored, the notification unit 134 notifies the deposit request source of the deposit completion information in response to the deposit process. By doing so, the deposit requester can confirm that the deposit has been normally made to the electronic money account.

If the notification unit 134 determines that the account number of the user's electronic money account is not stored, the notification unit 134 notifies the deposit requester of error information indicating that the deposit process cannot be performed. By doing so, the deposit requester can grasp that the deposit could not be made, and take a response such as contacting the user.

In addition, the notification unit 134 refers to the user information storage unit 121, and specifies the contact information of the user associated with the telephone number acquired by the acquisition unit 131. Then, when the determination unit 132 determines that the account number of the user's electronic money account is stored, the notification unit 134 sends the deposit completion information to the user's contact address in response to the deposit processing being performed. Notice. By doing so, the user can confirm that the deposit has been made to the electronic money account.

When the determination unit 132 determines that the account number of the electronic money account of the user is not stored, the notification unit 134 notifies the contact information of the user of the error information. Here, the notification unit 134 may include request source identification information for identifying the deposit request source and information indicating the deposit amount in the error information. By doing so, the user can confirm from which deposit requester the deposit was not made. Therefore, the deposit requesting party can save the trouble of notifying the user that the deposit cannot be made. When the notification unit 134 determines that the account number of the user's electronic money account is not stored, the notification unit 134 notifies the user's contact information of the guide information indicating the procedure for opening the electronic money account. By doing so, the user confirms the guide information indicating the account opening procedure together with the error information, and therefore tries to open an electronic money account so that the deposit can be made from the deposit requester. Thereby, the business operator of the electronic money service can acquire a new user.

Note that the notification unit 134 notifies the user of various information by sending an email to the contact associated with the user terminal 3 as the contact, but the present invention is not limited to this. For example, the notification unit 134 may transmit an SMS (Short Message Service) message including various types of information to the user terminal 3 based on the user's telephone number acquired by the acquisition unit 131.

The privilege granting unit 135 detects opening of an electronic money account. For example, the privilege granting unit 135 detects that the process related to the opening procedure of the electronic money account has been performed, and grants the privilege to the user who has performed the opening procedure. Here, the privilege is a coupon, a deposit of a predetermined amount to a newly opened electronic money account, or the like.

When the user has an account of a predetermined bank, the receiving unit 136 receives a deposit from the electronic money account to the account of the predetermined bank. Specifically, when the user has an account of a predetermined bank, the reception unit 136 receives from the user terminal 3 when a predetermined deposit requester makes a deposit to an electronic money account. , Accepting the deposit into the specified bank account. Here, the predetermined deposit requester is a deposit requester different from the user of the user terminal 3, and is, for example, a company, a local government, an acquaintance of the user, or the like.

More specifically, when the accepting unit 136 accepts, from the user terminal 3, a request for depositing the balance of the electronic money account into a predetermined bank account, the user refers to the user information storage unit 121, and the user makes a predetermined request. Determine if you have a bank account.

When the reception unit 136 determines that the user does not have a predetermined bank account, the reception unit 136 displays error information indicating that there is no predetermined bank account and the predetermined bank account cannot be deposited. Send to 3.

In addition, when the reception unit 136 determines that the user has an account of a predetermined bank, the reception unit 136 refers to the deposit/withdrawal history stored in the account information storage unit 122 and refers to the deposit associated with the current balance. The request source and the deposit amount are specified. Then, when the specified deposit requester includes a predetermined deposit requester, the reception unit 136 sets the deposit amount associated with the predetermined deposit requester as the upper limit, Accept deposits to a designated bank account.

For example, in the example of the deposit/withdrawal history shown in FIG. 5, the current balance of 2,500 yen is 1,500 yen out of the deposit amount of 2,000 yen of 2015/5/11 and 2015/5/12. It corresponds to the deposit amount of 1,000 yen. Here, since the deposit of 2015/5/11 corresponds to a predetermined deposit request source, not the deposit by the user himself, the reception unit 136 is a part of the deposit amount of 2015/5/11. We accept deposits from an electronic money account to a specified bank account with a maximum of 500 yen.

FIG. 7 is an example of a reception screen for receiving the transfer of the balance to a predetermined bank account. As shown in FIG. 7, on the reception screen, a transferable amount of the balance to a predetermined bank, an input field for the amount of money to be transferred to the predetermined bank, and a deposit button displayed as “to deposit” are displayed. Has been done. When the deposit button is selected in the state where the amount is input on the acceptance screen shown in FIG. 7, the acceptance unit 136 accepts the deposit amount to a predetermined bank account.

The deposit processing unit 133 performs deposit processing from an electronic money account to a predetermined bank account in response to the acceptance unit 136 accepting the deposit. By doing so, the user can move the balance of the electronic money to a predetermined bank and cash the electronic money.

When the acceptance unit 136 accepts the deposit from the first deposit requester into the account of the predetermined bank, the deposit processing unit 133 collects a fee when processing the deposit into the account of the predetermined bank. You don't have to. Further, when the receiving unit 136 receives the deposit from the second deposit requesting source into the account of the predetermined bank, the deposit processing unit 133 charges the fee at the time of the deposit process into the account of the predetermined bank. You may collect it. That is, when the deposit from the second deposit requester is transferred to a predetermined bank account, the deposit processing unit 133 subtracts the amount to be transferred and the commission from the balance of the electronic money account. May be.

Here, it is assumed that the information indicating the first deposit requester and the second deposit requester is stored in the storage unit 12 in association with the requester identification information for identifying the deposit requester, for example. For example, the first deposit requester is a company or a public institution, and the second deposit requester is an acquaintance of a user. By doing so, the deposit management device 1 can switch whether or not to collect a fee when depositing in a predetermined bank, according to the type of deposit requester.

[Processing flow for deposit request from deposit requester]
Next, the flow of processing in the deposit management device 1 will be described. First, the flow of processing relating to a deposit request from the deposit requester will be described. FIG. 8 is a sequence diagram showing the flow of processing relating to payment from the payment request source. In this sequence, the deposit requester is not the user himself/herself.

First, the acquisition unit 131 receives a deposit request including a telephone number, a deposit amount, and request source identification information from the request source terminal 2.
Subsequently, the determination unit 132 refers to the user information storage unit 121 and identifies the user ID associated with the telephone number included in the received deposit request (S1).

Subsequently, the determination unit 132 refers to the account information storage unit 122 and determines whether or not there is the electronic money account information of the user associated with the specified user ID (S2).
When the determination unit 132 determines that the user's electronic money account information does not exist, the notification unit 134 notifies the request source terminal 2 and the user terminal 3 of error information indicating that the deposit process cannot be performed.

When the determination unit 132 determines that the electronic money account information of the user is present, the deposit processing unit 133 performs a deposit process of increasing the balance associated with the user's account number by the deposit amount acquired by the acquisition unit 131. Perform (S3).
After that, the notification unit 134 transmits the deposit completion information indicating that the deposit process is completed to the request source terminal 2 and the user terminal 3.

[Process flow related to transfer of deposit amount by user]
Next, a flow of processing relating to the transfer of the balance from the electronic money account to a predetermined bank will be described. FIG. 9 is a sequence diagram showing a flow of processing relating to the transfer of the balance from the electronic money account to a predetermined bank.

First, the accepting unit 136 accepts a request for depositing the balance of the electronic money account to a predetermined bank from the user terminal 3.
Subsequently, the reception unit 136 refers to the user information storage unit 121 and determines whether or not the user has an account of a predetermined bank (S11).

When the reception unit 136 determines that the user has an account of a predetermined bank, the reception unit 136 refers to the deposit/withdrawal history stored in the account information storage unit 122, and specifies the transferable amount to the predetermined bank account. Then, (S12), an acceptance screen for accepting the amount of movement up to the movable amount is transmitted to the user terminal 3.

The user terminal 3 accepts the input of the transfer amount from the user to the predetermined bank account via the reception screen (S13), and in response to the deposit button provided on the reception screen being selected, the transfer amount is set. It is transmitted to the deposit management device 1.

When the receiving unit 136 of the deposit management device 1 receives the transfer amount and receives the deposit to the predetermined bank account, the deposit processing unit 133 transfers the deposit from the electronic money account to the predetermined bank account. Processing is performed (S14). When the deposit process is completed, the deposit processor 133 sends deposit completion information to the user terminal 3.

[Effects of First Embodiment]
As described above, the deposit management device 1 according to the first embodiment acquires the deposit amount to the electronic money account and the telephone number of the deposit destination user from the deposit requester, and uses the acquired telephone number as the input. When it is determined that the account number corresponding to the associated user ID is stored in the account information storage unit 122, the deposit process for the deposit amount is performed on the account with the account number.

By doing so, the deposit requester can easily deposit money to the user by designating the telephone number of the user without designating the account number of the user. In addition, for example, when the user has a plurality of accounts, the deposit requester may specify the telephone number corresponding to the electronic money account as the information indicating the account of the deposit recipient to make the deposit. Deposits from the requester can be centrally managed in an electronic money account. Then, the user can easily make a deposit from the electronic money account to another account, if necessary.

When the deposit management device 1 determines that the account number of the electronic money account is stored, it notifies the deposit requester that the deposit process has been performed in response to the deposit process being performed. If it is determined that the account number is not stored, the deposit requester is notified of error information indicating that the deposit process cannot be performed. By doing so, the deposit requesting party can grasp whether or not the deposit corresponding to the deposit request has been made.

In the first embodiment, the deposit management device 1 notifies the request source terminal 2 of the deposit completion information and the error information, but may notify other information. For example, when the deposit destination user does not have a predetermined bank account, the notification unit 134 determines that the user does not have a predetermined bank account in the request source terminal 2 and the deposited amount is It may be notified that the electronic money of is not cashable.

In addition, the acquisition unit 131 acquires the requester identification information, the amount of money deposited into an electronic money account, the telephone number of the depositee, and the deposit method from the requester terminal 2 of the deposit requester. Further, a part of the user's name (for example, the first two letters) may be acquired. Then, when the telephone number acquired by the acquisition unit 131 and a part of the user name are stored in the user information storage unit 121 in association with each other, the determination unit 132 stores the user ID associated with the telephone number. May be specified, and the account number associated with the telephone number in the account information storage unit 122 may be specified. By doing so, it is possible to suppress erroneous payment to users having different payment request sources.

<Second Embodiment>
[Allow deposit to other account based on deposit method]
Next, the deposit management device 1 according to the second embodiment will be described. The deposit management device 1 according to the second embodiment is different from the first embodiment in that it allows deposit to another account based on the deposit method, and is the same in other respects. Hereinafter, parts different from those of the first embodiment will be described. Description of the same parts as those in the first embodiment will be appropriately omitted.

In the second embodiment, the accepting unit 136 accepts deposit of the deposit amount deposited in the electronic money account by a predetermined deposit method into an account (another account) different from the electronic money account. Here, the other account includes, in addition to a predetermined bank account owned by the user, another bank account owned by the user, another prepaid card account owned by the user, and a predetermined bank account owned by the other user. , Other bank accounts owned by other users, prepaid card accounts owned by other users, and other prepaid card accounts owned by other users.

The reception unit 136 refers to the deposit/withdrawal history stored in the account information storage unit 122, and identifies a predetermined deposit method and a deposit amount from among deposit methods relating to deposit corresponding to the current balance. Here, the predetermined payment method is, for example, “transfer from another person”. Then, the accepting unit 136 accepts the deposit from the electronic money account to another account with the deposit amount associated with the predetermined deposit method being the upper limit.

For example, in the example of the deposit/withdrawal history shown in FIG. 5, the current balance of 2,500 yen is 1,500 yen out of the deposit amount of 2,000 yen of 2015/5/11 and 2015/5/12. It corresponds to the deposit amount of 1,000 yen. Here, since the deposit method of 2015/5/11 is “transfer from another person”, the reception unit 136 pays 1,500 yen, which is a part of the deposit amount of 2015/5/11. As an upper limit, we accept deposits from electronic money accounts to other accounts.

When the accepting unit 136 accepts an operation of depositing an electronic money account to another account from the user terminal 3, as illustrated in FIG. 10, an acceptance screen for accepting the transfer of the balance to the other account. Is displayed, and the designation of another account and the deposit amount to another account are accepted. In FIG. 10, it can be confirmed that it is possible to deposit from an electronic money account to another account, with an upper limit of 1,500 yen, which is a part of the deposit amount of 2015/5/11. In FIG. 10, the financial institution name and the telephone number are specified as the information indicating other accounts, but the information is not limited to this, and the financial institution name and the account number may be specified. ..

In the present embodiment, the deposit amount received in the electronic money account by the predetermined deposit method is accepted to another account, but the predetermined deposit method differs depending on the user of the prepaid card. Good. For example, when a company uses an electronic money service to provide a refund or the government provides a benefit, these users need to make a "transfer charge" to their prepaid card account. Deposit and then deposit the balance of the account to the user of the user terminal 3 or the like. Therefore, for example, when a company or an administrative institution uses an electronic money service, the prescribed deposit method includes other deposit methods such as “transfer charge” in addition to “transfer from another person”. May be allowed.

[Effects of Second Embodiment]
As described above, the deposit management device 1 according to the second embodiment is different from the electronic money account in the deposit amount deposited from the user terminal 3 into the electronic money account by a predetermined deposit method. Accept deposits to your account. By doing so, the user of the user terminal 3 can easily deposit the deposit amount deposited by the predetermined deposit method, out of the balance of the electronic money account, into another account.

Further, since the deposit management device 1 accepts deposits to other accounts by limiting the deposit amount deposited by a predetermined deposit method, the electronic money service business operator can It is possible to prevent transfer to other accounts except electronic money deposited for a specific purpose. Therefore, the business operator of the electronic money service can regulate the cashing of the electronic money from the electronic money service and increase the utilization rate of the electronic money service.

Although the present invention has been described using the embodiments, the technical scope of the present invention is not limited to the scope described in the above embodiments. It is apparent to those skilled in the art that various modifications and improvements can be added to the above-described embodiment. For example, in the above-described embodiment, the deposit management device 1 obtains the user's telephone number from the request source terminal 2 and deposits the account number of the electronic money account corresponding to the telephone number. However, it is not limited to this. For example, the deposit management device 1 may make a deposit to the account number of the electronic money account corresponding to the user ID by acquiring the user ID corresponding to the user from the request source terminal 2. ..

Further, in particular, the specific embodiment of the dispersion/integration of the devices is not limited to the one shown in the above, and any or all of them may be arbitrarily added depending on various additions or functional loads. It can be functionally or physically distributed/integrated in units. For example, in the above-described embodiment, the payment management device 1 is described as one device, but the invention is not limited to this. For example, the deposit management apparatus 1 may include a user information storage unit 121, a contractor management server that stores a bank account, and an electronic money management server that stores the account information storage unit 122. In this case, the contractor management server acquires the requester identification information, the deposit amount to the electronic money account, the telephone number of the deposit destination user, and the deposit method from the deposit request source. Accept payments to electronic money accounts. Then, the contractor management server, when the payment method indicates payment to a predetermined bank, performs a payment process to the predetermined bank account based on the bank account stored in the contractor management server. When the deposit method indicates deposit to an electronic money account, the contractor management server refers to the user information storage unit 121 to identify the user ID, and identifies the identified user ID and electronic money. A deposit request is sent to the electronic money management server by transmitting deposit request information including the deposit amount to the account to the electronic money management server.

1... Deposit management device, 11... Communication unit, 12... Storage unit, 121... User information storage unit, 122... Account information storage unit, 13... Control unit, 131... Acquisition unit, 132... Judgment unit, 133... Deposit processing unit, 134... Notification unit, 135... Benefit granting unit, 136... Reception unit, 2... Request source terminal, 3 ...User terminals

Claims (6)

An acquisition unit for acquiring a deposit amount from a deposit request source to a user's electronic money account and a deposit method into the electronic money account;
A deposit processing unit that performs deposit processing of the deposit amount to the electronic money account, and stores in the storage unit deposit and withdrawal history information that associates the deposit amount into the electronic money account and the deposit method. When,
When accepting a request from the user for a deposit from the electronic money account of the user to another account of the user different from the electronic money account, the deposit amount deposited by a predetermined deposit method A reception unit that accepts the deposit request with the balance of the upper limit as an upper limit, and restricts the deposit of the deposit amount deposited in the electronic money account to the other account by a deposit method different from the predetermined deposit method. When,
Deposit management device. The acquisition unit acquires, from the deposit requester, the deposit amount into the electronic money account and the telephone number of the deposit destination user,
In the storage unit, the deposit processing unit performs deposit processing of the deposit amount into an electronic money account having an account number associated with the telephone number acquired by the acquisition unit,
The deposit management device according to claim 1. The predetermined deposit method can be set for each user,
The deposit management device according to claim 1. When the reception unit receives a request from the user for a deposit from the user's account for electronic money to the other account that can be cashed, the predetermined deposit is accepted. While accepting the deposit request with the balance of the deposit amount deposited by the method as an upper limit, the other account of the deposit amount deposited in the electronic money account by a deposit method different from the predetermined deposit method. Restrict payment to
The deposit management device according to any one of claims 1 to 3. When receiving a request from the user to deposit money from the user's account for electronic money to the other account, the reception unit sets the balance of the deposit amount received from a predetermined deposit requester as an upper limit. While accepting the deposit request, restrict the deposit of the deposit amount deposited into the electronic money account from a deposit requester different from the predetermined deposit request source to the other account,
The deposit management device according to any one of claims 1 to 4. Computer running,
A step of acquiring a deposit amount to a user's electronic money account and a depositing method to the electronic money account from a deposit request source;
Performing deposit processing of the deposit amount into the electronic money account, and storing the deposit and withdrawal history information in which the deposit amount into the electronic money account and the deposit method are associated with each other in a storage unit,
When accepting a request from the user for a deposit from the electronic money account of the user to another account of the user different from the electronic money account, the deposit amount deposited by a predetermined deposit method And accepting the deposit request with the balance of the upper limit as an upper limit, and limiting the deposit of the deposit amount deposited in the electronic money account to the other account by a deposit method different from the predetermined deposit method. ,
A payment management method that comprises.

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