JP2020009503A - Management device and management method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To have a third party who has made a request for acquisition of a withdrawal history of a user's electronic money account confirm the withdrawal history of the electronic money account. SOLUTION: A management device 1 makes a withdrawal amount from an electronic money account based on product identification information for identifying a product corresponding to withdrawal in a user's electronic money account or store identification information for identifying a store. A storage control unit 133 that identifies the corresponding usage and stores the withdrawal amount and the specified usage in the storage unit as withdrawal history information, and is associated with the predetermined usage in the withdrawal history information. It is provided with a notification unit 135 for disclosing the withdrawal amount to a terminal of another user different from the user. [Selection diagram] Fig. 2

Description

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

  2. Description of the Related Art Conventionally, a usage statement of a card such as a prepaid card is made available to a user via a network. For example, Patent Literature 1 discloses a statement display device that causes a user's terminal to display a usage statement including a card usage date, a store name, and a usage amount via a network.

JP 2003-208557 A

  By the way, an electronic money account such as a prepaid card is paid by the user himself or by a third party. When a third party makes a deposit, the third party may want to check whether or not the user has appropriately used the deposited amount. However, in the conventional statement display device, it is not assumed that the withdrawal history is disclosed to a third party, and the third party confirms the withdrawal history of the electronic money account deposited by the third party. I couldn't.

  Therefore, the present invention has been made in view of these points, and confirms the withdrawal history of the electronic money account to a third party who has requested the acquisition of the withdrawal history of the electronic money account of the user. It is an object of the present invention to provide a management device and a management method capable of causing the management device to perform the management.

  The management device according to a first aspect of the present invention provides a method for managing an electronic money account based on product identification information for identifying a product corresponding to a withdrawal in a user's electronic money account or store identification information for identifying a store. A storage control unit that specifies a use application corresponding to the withdrawal amount from the withdrawal amount, associates the withdrawal amount with the specified use case, and stores the same as withdrawal history information in a storage unit, and a predetermined value in the withdrawal history information. A publishing unit for publishing the withdrawal amount associated with the intended use to a terminal of another user different from the user.

  The disclosure unit may, when a single withdrawal amount from the electronic money account of the user is equal to or greater than a predetermined amount, make the withdrawal amount to be disclosed to the terminal.

  The other user is a user who makes a deposit to the electronic money account, and the management device receives a deposit instruction from the other user to the account, and receives a deposit instruction from the user of the electronic money account. The apparatus may further include a permission receiving unit that receives permission for disclosure of the withdrawal history to the terminal of the other user.

  As information indicating the breakdown of the balance of the electronic money account, a deposit amount corresponding to the balance of the account and information indicating a deposit request source that has deposited the deposit amount are associated with each other, and the storage control is performed. The unit, at the time of withdrawal from the electronic money account, in the withdrawal history information, in the withdrawal amount, information indicating a deposit request source that has deposited the deposit amount assigned to the withdrawal amount The disclosure unit may associate and store the withdrawal amount associated with the payment request source on the terminal of the other user as the payment request source.

  The storage control unit, when depositing the electronic money account, stores the deposit amount in association with regional information indicating a region designated by the deposit requester of the deposit, and the management device stores the electronic money. A withdrawal processing unit that specifies a region in which a withdrawal is to be made at the time of withdrawal in a bank account and subtracts the withdrawal amount corresponding to the withdrawal from the balance corresponding to the deposit amount associated with the specified region. It may be further provided.

  The management method according to the second aspect of the present invention is executed by a computer based on product identification information for identifying a product corresponding to withdrawal in a user's electronic money account or store identification information for identifying a store. Specifying the usage application corresponding to the withdrawal amount, storing the withdrawal amount and the specified usage purpose in the storage unit as withdrawal history information in association with each other, Publishing the associated withdrawal amount to a terminal of another user different from the user.

  Advantageous Effects of Invention According to the present invention, there is an effect that a third party who has made a request to acquire a withdrawal history of an electronic money account of a user can check the withdrawal history of an electronic money account.

It is a figure showing the outline of the management device concerning a 1st embodiment. FIG. 2 is a diagram illustrating a configuration of a management device according to the first embodiment. FIG. 4 is a diagram illustrating an example of information stored in a user information storage unit. FIG. 4 is a diagram illustrating an example of information stored in an account information storage unit according to the first embodiment. It is a figure showing an example of the payment history concerning a 1st embodiment. It is a figure showing an example of a payment screen and a confirmation screen. It is a figure showing an example of a reception screen. It is a figure showing an example of a payment history check screen. It is a sequence diagram which shows the flow of a process concerning depositing and withdrawing from an electronic money account. It is a sequence diagram which shows the flow of a process concerning the acquisition request | requirement of a withdrawal history from a payment request source. It is a figure showing an example of the information memorized by the account information storage part concerning a 2nd embodiment. It is a figure showing an example of balance breakdown information. It is a figure showing an example of a payment setting screen. It is a figure showing an example of the payment history with respect to a 3rd embodiment.

<First embodiment>
[Overview of Management Device 1]
FIG. 1 is a diagram illustrating an outline of a management device 1 according to the first embodiment.
The management device 1 is a device that provides an electronic money service using a prepaid card 4 that can be used in an actual store or a store on the Internet, and manages electronic money corresponding to the prepaid card 4. The prepaid card 4 is a card for performing settlement using an international brand settlement NW (network) 5.

  The management device 1 receives, from a request source terminal 2 such as a personal computer or a smartphone used by the deposit requester, a telephone number of a deposit destination user or a user ID for identifying the user, and a deposit into the electronic money account of the user. A payment request including information indicating the amount is received ((1) in FIG. 1). Here, the payment 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 payment by electronic money, And the like, the seller of the product sold by the user, the family and friends of the user, the user himself, and the like. Although illustration is omitted, when the user himself / herself makes a deposit, it is assumed that a deposit request is received from the user terminal 3 such as a smartphone.

The management device 1 specifies the electronic money account of the user corresponding to the telephone number or the user ID specified in the payment request, and performs a payment process on the account ((2) in FIG. 1).
By doing so, the payment request source can easily perform payment to the user by specifying the user's telephone number or user ID without specifying the user's account number.

The user purchases a product using the prepaid card 4 at a store or the like, or operates the user terminal 3 to specify the account number of the electronic money account corresponding to the prepaid card 4 in the online shopping, and Or to purchase. When the purchase of a product or the like is performed, the settlement NW 5 is notified of information related to the purchase of the product such as the account number of the electronic money account corresponding to the prepaid card 4 and the withdrawal amount. When a predetermined payment process is performed in the payment NW 5, the payment NW 5 notifies the management device 1 of information such as an account number and a withdrawal amount ((3) in FIG. 1).
The management device 1 updates the balance of the user's electronic money account based on the notified information such as the account number and the withdrawal amount ((4) in FIG. 1).

  The deposit requester may want to know how the user uses the electronic money deposited by himself. In response to this, the request source terminal 2 sends the telephone number or user ID of the user of the payment destination and request source identification information for identifying the payment request source to the management device 1 according to the operation of the payment request source. A request to acquire the withdrawal history is transmitted ((5) in FIG. 1).

  When receiving the withdrawal history acquisition request, the management device 1 specifies the electronic money account of the user of the deposit destination based on the telephone number or the user ID included in the request, and withdraws the account. The history is notified to the request source terminal 2 ((6) in FIG. 1).

  By doing so, the deposit requester who has deposited the electronic money account of the user checks the withdrawal history of the account, and determines whether the user appropriately uses the electronic money deposited by the deposit requester. Can be grasped.

[Configuration of Management Device 1]
Next, the configuration of the management device 1 will be described. FIG. 2 is a diagram illustrating a configuration of the management device 1 according to the first embodiment. The 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 a 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. The storage unit 12 stores the telephone numbers or user IDs of a plurality of users and the account numbers of the electronic money accounts of the users in association with each other. Specifically, the storage unit 12 includes a user information storage unit 121 and an account information storage unit 122.

  FIG. 3 is a diagram illustrating 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, and a user's contact information in association with each other. Here, the telephone number is a telephone number assigned to the user terminal 3. The contact is a mail address associated with the user terminal 3.

  FIG. 4 is a diagram illustrating an example of information stored in the account information storage unit 122. As shown 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 having a predetermined number of digits attached to the prepaid card 4 for identifying the prepaid card 4. When the account number associated with the user ID is “-”, it indicates that the user of the user ID does not have the prepaid card 4.

  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, the deposit and withdrawal history includes the date of deposit and withdrawal, classification of deposit and withdrawal, amount of deposit and withdrawal, requester identification information for identifying the deposit requester, usage of withdrawal, and after deposit and withdrawal. Has a balance associated with it. These pieces of information are stored by the storage control unit 133 described later.

  In the present embodiment, it is assumed that when electronic money is dispensed, a previously deposited amount is allocated to dispensing. In the example illustrated in FIG. 5, payments are made on 2015/5/9, 2015/5/10, and 2015/5/12, respectively, but each payment is made on 2015/5/9. It shall be allocated from the amount of money deposited. The management device 1 stores the balance of the electronic money for each deposit, and subtracts the withdrawal amount from the balance corresponding to the deposit to which the withdrawal is allocated when dispensing the electronic money, so that the current balance is: 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 functions related to the management device 1 by executing various programs stored in the storage unit 12.
The control unit 13 includes an acquisition unit 131, a payment processing unit 132, a storage control unit 133, a payment processing unit 134, and a notification unit 135.

  The acquisition unit 131 acquires requester identification information, a deposit amount to an electronic money account, and a telephone number or a user ID of a deposit destination user 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 accepts an operation for making a payment, the acquisition unit 131 causes the request source terminal 2 to display a payment screen shown in FIG. In FIG. 6A, an input column for a telephone number or a user ID of a user of a deposit destination, an input column for a deposit amount, and a confirmation button displayed as "next" are provided. When the confirmation button is selected in a state where the telephone number or the user ID and the deposit amount have been input, the acquisition unit 131 obtains the requester identification information previously associated with the user of the requester terminal 2 and the electronic money information. , And the telephone number or user ID of the user of the payment destination.

  The deposit processing unit 132 performs a deposit process of depositing the deposit amount acquired by the acquiring unit 131 into the account of the electronic money account number associated with the user's telephone number or user ID acquired by the acquiring unit 131. Do.

  Specifically, when the obtaining unit 131 obtains the telephone number, the payment processing unit 132 specifies the user ID associated with the telephone number in the user information storage unit 121. The payment processing unit 132 refers to the account information storage unit 122 and determines whether or not there is an account number associated with the user ID acquired by the acquisition unit 131 or the user ID specified from the telephone number. When the payment processing unit 132 determines that the account number of the user is stored, the payment processing unit 132 specifies the user name associated with the acquired telephone number in the user information storage unit 121. Subsequently, the payment processing unit 132 displays a confirmation screen including the input telephone number or user ID, the input payment amount, and the specified user name as shown in FIG. To be displayed.

  When the user of the request source terminal 2 selects the deposit button displayed as “Deposit” on the confirmation screen, the request source terminal 2 transmits the deposit instruction information for instructing deposit to the deposit destination to the management device 1. Upon receiving the deposit instruction information, the deposit processing unit 132 increases the balance associated with the user's account number in the account information storage unit 122 by the deposit amount acquired by the acquisition unit 131.

  In addition, in response to receiving from the user of the user terminal 3 permission to disclose the payment history to the payment request source, the payment processing unit 132 performs a payment process of depositing the payment amount acquired from the payment request source. You may.

  For example, upon receiving the deposit instruction information, the deposit processing unit 132 causes the user terminal 3 to display a reception screen for accepting permission to disclose the dispensing history to the deposit requester, as shown in FIG. The reception screen shown in FIG. 7 displays a reception button displayed as “accept” and a reject button displayed as “do not accept”. The user terminal 3 determines that the reception button has been selected. In response, the reception information is transmitted to the management device 1, and the rejection information is transmitted to the management device 1 in response to the selection of the reject button.

Receiving the reception information, the deposit processing unit 132 deposits the deposit amount acquired from the deposit request source, and transmits to the request source terminal 2 deposit completion information indicating that the deposit has been completed. By doing so, the deposit requester can deposit only the user who has agreed to disclose the dispensing history.
In addition, in response to receiving the refusal information, the payment processing unit 132 does not perform the payment processing and sends error information indicating that the dispensing history has been disclosed and no payment has been made to the requesting terminal 2. Send.

  In addition, when the account number of the electronic money account of the user is not stored in the account information storage unit 122, the deposit processing unit 132 may notify the user of the contact information of the error information. Here, the payment processing unit 132 may include, in the error information, request source identification information for identifying the payment request source and information indicating the amount of payment. By doing so, the user can confirm from which payment request source the payment has not been made. Therefore, the payment request source can save the trouble of notifying the user that payment cannot be made.

  The storage control unit 133 causes the storage unit 12 to store the telephone number or user ID of the user of the payment destination and the information indicating the payment request source in association with each other. More specifically, the storage control unit 133 stores a deposit / withdrawal history in which a deposit date, a deposit / withdrawal category “payment”, a deposit amount, request source identification information for identifying a deposit request source, and a balance after deposit are associated with each other. Is stored in the account information storage unit 122. Since the user ID associated with the telephone number is stored in the account information storage unit 122, the account information storage unit 122 stores the deposit / withdrawal history including the requester identification information. The telephone number or user ID of the user is associated with information indicating the payment request source.

  The withdrawal processing unit 134 determines the account number, purchase amount (withdrawal amount), purchase date (withdrawal date), purchased product from the settlement NW 5 in response to the user using the prepaid card 4 when purchasing the product or the like. And settlement information including the identification information of the purchased store and the like. Upon receiving the payment information, the payment processing unit 134 performs a payment processing of subtracting the payment amount included in the payment information from the balance associated with the account number in the account information storage unit 122.

  The storage control unit 133 causes the storage unit 12 to store the telephone number or user ID of the withdrawn user, the withdrawal amount from the electronic money account, and the usage corresponding to the withdrawal amount in association with each other. Specifically, the storage control unit 133 specifies a use application corresponding to the withdrawal amount based on the identification information of the purchased product included in the payment information. For example, the storage unit 12 stores the product identification information and the information indicating the intended use in association with each other as use application information, and the storage control unit 133 associates the use information with the identification information of the purchased product in the use application information. Identify intended uses.

  It should be noted that the storage unit 12 stores the store identification information and the information indicating the intended use in association with each other as use application information, and the storage control unit 133 uses the store information corresponding to the store identification information included in the settlement information. The purpose may be specified. Further, when it is not possible to specify the intended use based on the product identification information, the storage control unit 133 may identify the intended use based on the store identification information.

  The storage control unit 133 causes the account information storage unit 122 to store a deposit / withdrawal history in which a withdrawal date, a withdrawal amount, a deposit / withdrawal category “dispensing”, a usage purpose, and a balance after withdrawal are associated with each other. Since the user ID associated with the telephone number is stored in the account information storage unit 122, the account information storage unit 122 stores the deposit / withdrawal history including the amount of money to be used and the purpose of use. The telephone number or user ID of the user corresponding to the process, the withdrawal amount, and the use purpose are associated with each other.

  The notifying unit 135 sends a request from the requester terminal 2 of the deposit requester to obtain a withdrawal history including the telephone number or user ID of the depositee user and the requester identification information and corresponding to the electronic money account. Upon acquisition, the requesting terminal 2 is notified of the withdrawal history in which the usage and the withdrawal amount corresponding to the telephone number or user ID of the user are associated with the withdrawal amount.

  Specifically, when the withdrawal history acquisition request includes a telephone number, the notification unit 135 specifies the user ID associated with the telephone number in the user information storage unit 121. The notification unit 135 refers to the account information storage unit 122, and specifies the user ID included in the withdrawal history acquisition request or the account number associated with the user ID specified from the telephone number. Then, the notification unit 135 determines whether or not there is a deposit from the deposit request source to the account of the specified account number based on the request source identification information included in the withdrawal history acquisition request. When there is a deposit from the deposit request source, the notifying unit 135 refers to the account information storage unit 122 to extract the withdrawal history corresponding to the specified account number, and stores the withdrawal history in the request source terminal 2. Notify. FIG. 8 is a diagram illustrating an example of a withdrawal history confirmation screen displayed on the request source terminal 2. The payment request source can check the withdrawal history displayed on the withdrawal history confirmation screen and determine whether or not the user has appropriately used the electronic money deposited by himself.

  The withdrawal history includes withdrawals necessary for minimum living such as food expenses and daily necessities purchase expenses, and withdrawals that are not essential for minimum living such as entertainment expenses and entertainment expenses. ing. Therefore, the notification unit 135 keeps the withdrawal corresponding to the minimum usage required for daily life private because it is related to privacy, and uses the usage that is not essential for minimum life such as entertainment expenses and entertainment expenses. May be made public about the withdrawal corresponding to. Specifically, the notification unit 135 displays a predetermined usage purpose (for example, entertainment expenses and entertainment expenses) and a payment amount corresponding to the predetermined usage purpose in the payment history corresponding to the specified account number. The associated dispensing history may be notified to the requesting terminal 2. By doing so, the payment request source can confirm the payment for the predetermined use purpose and determine whether the electronic money deposited by the payment requester is appropriately used.

  In addition, the withdrawal history may include withdrawals that are considered inappropriate because a single withdrawal amount is large, even if the usage purpose is withdrawal required for living such as food expenses and daily necessities. There is. For this reason, information indicating the contact address corresponding to the request source terminal 2 is stored in the storage unit 12, and even if the notifying unit 135 does not acquire the withdrawal history acquisition request, one time When the withdrawal amount is equal to or more than the predetermined amount, the withdrawal history corresponding to the withdrawal may be notified to the contact of the request source terminal 2. In this case, the notification unit 135 may notify the contact of the request source terminal 2 even if the withdrawal does not correspond to the predetermined usage.

[Processing for depositing and withdrawing electronic money from / to an account]
Subsequently, a flow of processing in the management device 1 will be described. First, the flow of processing related to depositing and withdrawing electronic money from an account will be described. FIG. 9 is a sequence diagram illustrating a flow of processing related to depositing and withdrawing electronic money from an account. In this sequence, it is assumed that the payment request source is not the user himself.

First, the acquiring unit 131 receives a payment request including a telephone number or a user ID, a payment amount, and requester identification information from the request source terminal 2.
Next, when the deposit request includes the telephone number, the deposit processing unit 132 refers to the user information storage unit 121 and specifies the user ID associated with the telephone number (S1). When the payment request includes the user ID instead of the telephone number in the payment request, the payment processing unit 132 acquires the user ID.

Subsequently, the payment processing unit 132 refers to the account information storage unit 122, specifies account information for electronic money of the user associated with the obtained user ID or the specified user ID, and associates the account information with the account number. A payment process is performed to increase the remaining balance by the payment amount acquired by the acquisition unit 131 (S2).
Subsequently, the storage control unit 133 stores information indicating the payment history in the payment history of the account information storage unit 122 (S3). Subsequently, the notification unit 135 transmits payment completion information indicating that the payment processing has been completed to the request source terminal 2 and the user terminal 3.

  Subsequently, the payment processing unit 134 receives payment information including an account number, a payment amount, and the like from the payment NW 5. In response to receiving the payment information, the withdrawal processing unit 134 performs a withdrawal process of subtracting the notified purchase amount from the balance associated with the account number in the account information storage unit 122 (S4). ). Subsequently, the storage control unit 133 stores information indicating the payment history in the payment history of the account information storage unit 122 (S5).

  In the above-described sequence, an example has been described in which each of the deposit processing and the withdrawal processing is performed once, but the deposit processing and the withdrawal processing may be performed a plurality of times. Further, the order of the payment processing and the payment processing is not limited to the order shown in the above-described sequence. For example, if there is an account balance, a withdrawal process may be performed before performing a deposit process.

[Processing flow related to withdrawal history reference]
Subsequently, a flow of a process related to the reference of the payment history from the payment request source will be described. FIG. 10 is a sequence diagram illustrating a flow of a process related to a payment history acquisition request from a payment request source.

First, the notification unit 135 obtains, from the request source terminal 2, a request for obtaining a withdrawal history corresponding to the electronic money account, including the telephone number or user ID of the user of the payment destination and the request source identification information. .
Subsequently, when the withdrawal history acquisition request includes the telephone number, the notification unit 135 specifies the user ID associated with the telephone number in the user information storage unit 121 (S11). The notification unit 135 acquires the user ID when the withdrawal history acquisition request includes the user ID.

  Subsequently, the notification unit 135 refers to the account information storage unit 122 and specifies the acquired user ID or the account number associated with the specified user ID (S12). Then, the notification unit 135 determines whether there is a deposit history from the deposit request source for the account of the specified account number based on the request source identification information included in the withdrawal history acquisition request. (S13).

When there is no payment history, the notification unit 135 notifies the request source terminal 2 of error information indicating that there is no payment history and the payment history cannot be disclosed.
If there is a payment history, the notification unit 135 refers to the account information storage unit 122 and extracts a payment history corresponding to the specified account number (S14). The notification unit 135 notifies the requesting terminal 2 of the extracted withdrawal history.

[Effects in First Embodiment]
As described above, when the management device 1 according to the first embodiment obtains the deposit amount to the electronic money account and the telephone number or user ID of the deposit destination user from the deposit request source, the telephone number Alternatively, a deposit process for depositing a deposit amount into an account of an account number associated with a user ID is performed, and a deposit request source includes a telephone number or a user ID of a deposit destination user, and corresponds to an electronic money account. When the acquisition request of the withdrawal history is acquired, the withdrawal history in which the usage purpose corresponding to the telephone number or the user ID of the user is associated with the withdrawal amount is notified to the payment request source.

  By doing so, the deposit requester who has deposited the user's electronic money account checks the withdrawal history of the electronic money account and confirms whether the user has properly used the electronic money deposited by the user. Can be determined.

  In the first embodiment, the acquisition unit 131 of the management apparatus 1 transmits the requester identification information, the deposit amount to the electronic money account, and the user of the deposit destination from the requester terminal 2 of the deposit requester. Although the telephone number or the user ID is acquired, a part of the user name (for example, the first two characters) may be acquired. When the user information storage unit 121 stores the telephone number or the user ID acquired by the acquisition unit 131 and a part of the user's name in the user information storage unit 121, the account information storage unit At 122, the account number associated with the user ID may be specified. By doing so, it is possible to prevent erroneous payment to a user whose payment request source is different.

<Second embodiment>
[Provide preferential electronic money in the area specified by the deposit requester]
Subsequently, a management device 1 according to the second embodiment will be described. The second embodiment is different from the first embodiment in that preferential electronic money is provided in an area designated by a payment request source, and is otherwise the same. Hereinafter, portions different from the first embodiment will be described. A description of the same portions as those in the first embodiment will be appropriately omitted.

  In the second embodiment, the acquisition unit 131 sends the requester identification information, the deposit amount to the electronic money account, the telephone number or the user ID of the deposit destination user from the requester terminal 2 of the deposit requester. Then, area information indicating an area where electronic money corresponding to the deposit amount can be used is acquired. For example, on the deposit screen shown in FIG. 6A, a region reception column for arbitrarily receiving a prefecture name or a municipality where electronic money can be used is provided, and the acquiring unit 131 transmits the electronic money via the region reception column. Get the regions where money is available. The regional information is not limited to the information indicating the name of the prefecture or the municipalities, but may be range information including a plurality of pieces of latitude information and longitude information.

  The deposit processing unit 132 performs a deposit process of depositing the deposit amount acquired by the acquiring unit 131 in association with the area information acquired by the acquiring unit 131. Specifically, the account information storage unit 122 of the second embodiment includes the balance breakdown information as shown in FIG. 11, and the deposit processing unit 132 stores the balance breakdown information in FIG. As shown, the payment date, the requester identification information, the regional information, and the balance are stored in association with each other.

  The withdrawal processing unit 134 performs a withdrawal process of specifying a region where a withdrawal is made when withdrawing from an electronic money account, and giving priority to electronic money that can be used in the region. Specifically, the identification information of the store and the area information indicating the area are stored in the storage unit 12 in association with each other, and the payment processing unit 134 refers to the storage unit 12 and sets the payment information received from the payment NW5. , The region associated with the identification information of the purchased store is identified as the region where the payment was made. The dispensing processing unit 134 specifies the balance corresponding to the specified region with reference to the balance breakdown information. For example, when performing the withdrawal process based on the balance breakdown information shown in FIG. 12, the withdrawal processing unit 134 specifies the area where the settlement is performed as “A city”, and “A city” is included as the regional information. Subtract the withdrawal amount from the specified balance.

  Note that the payment processing unit 134 may enable the electronic money corresponding to the deposit amount associated with the specified area to be used in an area different from the specified area. In this case, the withdrawal processing unit 134 may perform a withdrawal process of changing the value of the electronic money corresponding to the deposit amount associated with the specified area and withdrawing. For example, consider a case in which the settlement area is specified as “A city” and the withdrawal amount is subtracted from the balance in which “A city” is designated as the area information. In this case, the withdrawal processing unit 134 increases the value of the balance in which “A city” is designated as the regional information, and reduces the amount smaller than the withdrawal amount (for example, the amount obtained by subtracting a predetermined ratio from the withdrawal amount) into the area. Subtraction is performed from the balance in which “A city” is specified as information.

  In addition, when the electronic money corresponding to the deposit amount associated with the specified area is to be withdrawn in an area different from the area, the withdrawal processing unit 134 performs the withdrawal without changing the value of the electronic money. Processing may be performed, or the withdrawal processing may be performed with the value of the electronic money lowered.

[Effect in Second Embodiment]
As described above, the management device 1 according to the second embodiment acquires the region information indicating the region where the electronic money can be used from the request source terminal 2 and performs the depositing process of depositing the deposit amount in association with the region information. Then, an area where the withdrawal is performed when the electronic money is withdrawn from the electronic money account is specified, and the electronic money that can be used in the area is preferentially withdrawn. By doing so, the management device 1 can use the electronic money deposited by the deposit requester in an area designated by the deposit requester.

  In addition, the management device 1 specifies an area where the withdrawal is performed at the time of withdrawal from the electronic money account, changes the value of the electronic money corresponding to the deposit amount associated with the area, and withdraws. Perform withdrawal processing. For example, by increasing the value of the electronic money corresponding to the deposit amount associated with the specified area and performing the withdrawal process, the management device 1 can provide the user with the electronic money deposited by the deposit requester. It can be actively used in the area designated by the client.

  In the second embodiment, the management device 1 specifies the area where the withdrawal is made when withdrawing from the electronic money account, and gives priority to the electronic money that can be used in the area. Not limited to this. For example, the management device 1 acquires store information indicating a store where electronic money corresponding to the deposit amount can be used, specifies a store where payment is made at the time of withdrawal from the electronic money, and allows the store to use the electronic money. Electronic money may be paid out with priority.

In this case, the acquiring unit 131 acquires store information indicating a store where electronic money corresponding to the deposit amount is available, and the deposit processing unit 132 associates the deposit amount with the store information acquired by the acquiring unit 131. Payment processing for depositing the deposit amount. Then, the dispensing processing unit 134 performs a dispensing process of specifying a store where dispensing is performed when dispensing from electronic money, and dispensing preferentially electronic money that can be used in the store.
By doing so, the deposit requester can cause the user to use the deposit amount paid by himself at the store specified by himself.

<Third embodiment>
[Notify the payment request source of the payment history associated with the usage amount and the withdrawal amount associated with the information indicating the payment request source]
Subsequently, a management device 1 according to a third embodiment will be described. The third embodiment is different from the first embodiment in that a payment history associated with information indicating a payment request source and a payment history associated with a use purpose are notified to the payment request source. They are the same in point.

In the management device 1 according to the third embodiment, the account information storage unit 122 stores balance breakdown information as in the second embodiment.
In the third embodiment, the storage control unit 133 displays a withdrawal setting screen for setting a priority order of a balance to be allocated when dispensing in response to receiving a withdrawal setting operation from the user terminal 3. 3 and accept the priority of the balance to be allocated when dispensing.

FIG. 13 is a diagram showing an example of the withdrawal setting screen. As shown in FIG. 13, on the withdrawal setting screen, the priority order of the balance to be allocated to the withdrawal, the payment request source corresponding to the user's electronic money, and the balance are displayed, and an upward arrow is shown. The displayed priority change button is displayed. When the user of the user terminal 3 selects the priority change button, the user terminal 3 changes the order of the balance corresponding to the button and the balance one rank higher than the rank. Then, the user terminal 3 transmits to the management device 1 the user ID and information indicating the priority order of each balance after the order has been changed.
The management device 1 associates information indicating the priority of each balance with the user ID and stores the information in the storage unit 12 as priority information.

  The withdrawal processing unit 134 performs a withdrawal process of dispensing from the balance with the highest priority based on the priority information when dispensing from the electronic money account. Specifically, when performing the withdrawal processing based on the balance breakdown information, the withdrawal processing unit 134 specifies the balance with the highest priority and subtracts the withdrawal amount from the balance.

  As shown in FIG. 14, the storage control unit 133 includes a withdrawal date, a withdrawal amount, a deposit / withdrawal category “withdrawal”, a use application corresponding to the withdrawal amount, and a payment request source corresponding to the withdrawal amount. Is stored in the deposit / withdrawal history of the account information storage unit 122 in association with the balance indicating the withdrawal. The information indicating the payment request source is request source identification information associated with the balance having the highest priority in the balance breakdown information.

  When the notifying unit 135 obtains a withdrawal history acquisition request corresponding to the electronic money account from the request source terminal 2 including the telephone number or user ID of the user of the payment destination and the request source identification information, In the information storage unit 122, the payment request source is notified of the payment history associated with the usage amount and the payment amount associated with the request source identification information.

  Further, the requester identification information and the information indicating the contact corresponding to the requester terminal 2 are stored in the storage unit 12 in association with each other, and the notifying unit 135 stores the withdrawal amount associated with the requester identification information. When the total of the payment request is equal to or more than the predetermined amount, the payment history associated with the requester identification information and the usage purpose may be notified to the contact of the payment requester.

[Effects in Third Embodiment]
As described above, the management device 1 according to the third embodiment notifies the payment request source of the payment history associated with the usage amount and the usage amount associated with the requester identification information of the payment request source. . By doing so, the management device 1 prevents the disclosure history corresponding to the deposit amount of the user who has the electronic money account himself / herself from being disclosed, thereby ensuring the privacy of the user.

  As described above, the present invention has been described using the embodiments, but 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 changes or improvements can be made to the above embodiment. In particular, the specific embodiment of the distribution / integration of the apparatus is not limited to the above-described one, and all or a part of the apparatus may be arbitrarily added according to various additions or the like, or according to a functional load. It can be configured to be distributed or integrated functionally or physically. For example, in the above-described embodiment, the management device 1 is described as a single device, but is not limited thereto. For example, the management device 1 may include a contractor management server that stores the user information storage unit 121 and an electronic money management server that stores the account information storage unit 122. In this case, the contractor management server obtains the requester identification information, the deposit amount to the electronic money account, and the telephone number or user ID of the deposit destination user from the deposit request source, thereby obtaining the electronic Accept money deposited into your account. Then, the contractor management server makes a payment request to the electronic money management server by transmitting the payment request information including the user ID and the payment amount to the electronic money account to the electronic money management server.

DESCRIPTION OF SYMBOLS 1 ... Management apparatus, 11 ... Communication part, 12 ... Storage part, 121 ... User information storage part, 122 ... Account information storage part, 13 ... Control part, 131 ... Acquisition unit, 132 ・ ・ ・ Payment processing unit, 133 ・ ・ ・ Storage control unit, 134 ・ ・ ・ Payment processing unit, 135 ・ ・ ・ Notification unit, 2 ・ ・ ・ Request source terminal, 3 ・ ・ ・ User terminal, 4: Prepaid card, 5: Payment NW

Claims (6)

Based on the product identification information that identifies the product corresponding to the withdrawal in the user's electronic money account or the store identification information that identifies the store, the usage corresponding to the withdrawal amount from the electronic money account is specified, A storage control unit configured to store the withdrawal amount and the specified use application in the storage unit in association with withdrawal history information,
A publishing unit that discloses a withdrawal amount associated with a predetermined use purpose in the withdrawal history information to a terminal of another user different from the user,
A management device comprising: When the single withdrawal amount from the electronic money account of the user is equal to or more than a predetermined amount, the disclosure unit sets the withdrawal amount to be disclosed to the terminal,
The management device according to claim 1. The other user is a user who deposits the electronic money account,
When receiving a deposit instruction from the other user to the account, the user of the electronic money account further includes a permission accepting unit that accepts permission to disclose a withdrawal history to a terminal of the other user.
The management device according to claim 1. As information indicating a breakdown of the balance of the electronic money account, a deposit amount corresponding to the balance of the account and information indicating a deposit request source that has deposited the deposit amount are associated with each other,
The storage control unit is configured to, when dispensing from the electronic money account, determine in the dispensing history information the deposit request source that has deposited the deposit amount assigned to the dispensed amount to the dispensed amount. The information shown is stored in association with
The disclosure unit, on the terminal of the other user as the payment request source, to withdraw the amount associated with the payment request source,
The management device according to claim 1. The storage control unit, when depositing the electronic money account, stores the deposit amount in association with area information indicating the area designated by the deposit requester of the deposit,
At the time of withdrawal in the electronic money account, a withdrawal that specifies a region where the withdrawal is performed and subtracts the withdrawal amount corresponding to the withdrawal from the balance corresponding to the deposit amount associated with the specified region. Further comprising a processing unit,
The management device according to claim 1. Executed by computer,
Based on the product identification information that identifies the product corresponding to the withdrawal in the user's electronic money account or the store identification information that identifies the store, the usage application corresponding to the withdrawal amount is specified, and the withdrawal amount is specified. Storing in the storage unit as withdrawal history information in association with the usage,
Publish the withdrawal amount associated with a predetermined usage in the withdrawal history information to a terminal of another user different from the user,
Management method comprising:

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