JP2002342588A5 - - Google Patents

Description

[Document name] Statement
[Title of the Invention] A transfer inquiry program, a transfer inquiry method, a transfer inquiry system adopting the transfer inquiry method, and a transfer inquiry server., And passbook
[Claims]
[Claim 1] For the recipient of the transfer to connect to the transfer inquiry server by the terminal via the computer network and identify the payer of the transfer.It is a transfer inquiry programThe transfer inquiry server issues to the financial institution a means for causing the financial institution to input the unique information of the account opener who has opened an account, and inquiries information for identifying the account opener in response to the input of the unique information. Means for inputting, means for storing the inquiry information in correspondence with the unique information of the account opener, means for inputting the inquiry information of the account opener who is the payer of the transfer, and the entered inquiry information. Is stored in the transfer inquiry server, and the unique information of the account opener corresponding to the inquiry information when the inquiry information is stored is used as the unique information about the payer of the transfer money. A means for storing the transfer money in association with the recipient, a means for receiving a signal for identifying the terminal from the terminal via a computer network, and a means for receiving inquiry information of an account opener who is the payer of the transfer money. The means for determining whether or not the signal identifying the terminal corresponds to the recipient of the transfer, and when the signal identifying the terminal corresponds to the recipient of the transfer. To function as a means to output unique information about the payer corresponding to the inquiry information to the terminal.Transfer inquiry program.
2. The payee of the transfer connects to the transfer inquiry server by the terminal via the computer network and identifies the payer of the transfer.Transfer inquiry methodAnd,The transfer inquiry server registers the unique information of the account opener who has opened an account at the financial institution in the account opener information storage means associated with the financial institution, and the transfer inquiry server registers the account opener. A step of issuing the inquiry information to be specified to the financial institution and storing it in the account opener information storage means corresponding to the unique information of the account opener, and an inquiry in which the financial institution identifies the account opener. The step of issuing an account passbook showing the information to the account opener, the step of causing the transfer inquiry server to input the inquiry information of the account opener who is the payer of the transfer, and the transfer inquiry server are described above. The step of determining whether or not the inquiry information is stored in the account opener information storage means, and when the transfer inquiry server stores the inquiry information in the account opener information storage means, the inquiry information is stored. A step of reading the unique information of the corresponding account opener from the account opener information storage means and storing it in the payer information storage means provided in association with the payee of the transfer money as unique information about the payer of the transfer money. Then, the transfer inquiry server receives a signal for identifying the terminal from the terminal via the computer network and the inquiry information of the account opener who is the payer of the transfer, and the transfer inquiry server is the terminal. The step of determining whether or not the signal specifying the terminal corresponds to the recipient of the transfer, and the transfer inquiry server, the signal identifying the terminal corresponds to the recipient of the transfer. It includes a step of outputting to the terminal unique information about the payer corresponding to the inquiry information sometimes stored in the payer information storage means.A transfer inquiry method characterized by the fact that.
3. The payee of the transfer connects to the transfer inquiry server by the terminal via the computer network and identifies the payer of the transfer.It is a transfer inquiry systemThe transfer inquiry server causes the financial institution to input the unique information of the account opener who has opened an account, and issues the inquiry information that identifies the account opener to the financial institution in response to the input of the unique information. The inquiry information is stored in correspondence with the unique information of the account opener, and the financial institution issues an account passbook containing the inquiry information for identifying the account opener to the account opener, and the transfer money. When the inquiry information of the account opener who is the payer of is input to the transfer inquiry server, it is determined whether or not the inquiry information is stored in the transfer inquiry server, and when the inquiry information is stored. The unique information of the account opener corresponding to the inquiry information is stored in association with the payee of the transfer as the unique information about the payer of the transfer, and the transfer inquiry server is transferred from the terminal to the terminal via the computer network. When the signal for identifying the terminal and the inquiry information of the account opener who is the payer of the transfer are received, it is determined whether or not the signal for specifying the terminal corresponds to the recipient of the transfer. , When the signal identifying the terminal corresponds to the payee of the transfer, the unique information about the payer corresponding to the inquiry information is output to the terminal.A transfer inquiry system characterized by this.
4. The recipient of the transfer connects via a terminal via a computer network to identify the payer of the transfer.It is a transfer inquiry serverA means for registering the unique information of an account opener who has opened an account at a financial institution in the account opener information storage means associated with the financial institution, and inquiry information for identifying the account opener to the financial institution. A means of issuing the information and storing it in the account opener information storage means corresponding to the unique information of the account opener, a means of inputting inquiry information of the account opener who is the payer of the transfer, and the inquiry. A means for determining whether or not the information is stored in the account opener information storage means, and an account opener corresponding to the inquiry information when the inquiry information is stored in the account opener information storage means. A means for reading unique information from the account opener information storage means and storing it in a payer information storage means provided in association with the recipient of the transfer as unique information regarding the payer of the transfer, and via a computer network. The means for receiving the signal for identifying the terminal and the inquiry information of the account opener who is the payer of the transfer from the terminal, and the signal for identifying the terminal correspond to the recipient of the transfer. A means for determining whether or not there is, and a payer corresponding to the inquiry information stored in the payer information storage means when the signal identifying the terminal corresponds to the recipient of the transfer money. It is provided with a means for outputting unique information about the terminal to the terminal.A transfer inquiry server characterized by this.
5. An account passbook that shows the account name of an e-mail address as inquiry information for identifying the unique information of the account opener via a computer network.
6. An account passbook in which the inquiry information issued by the transfer inquiry server for identifying the payer of the transfer via the computer network is listed in the name of the payer who is the account opener.
Description: TECHNICAL FIELD [Detailed description of the invention]
[0001]
[Technical field to which the invention belongs]
The present invention employs a transfer inquiry program, a transfer inquiry method, and a transfer inquiry method that can easily identify the sender (payer) of a transfer transferred from a financial institution (bank) via a computer network. Transfer inquiry system and transfer inquiry server, And passbookIt is about.
0002.
[Conventional technology]
As is well known, payments for goods resulting from commercial transactions are transferred from the sender's bank account to the bank account of the recipient who is the counterparty, and the recipient is the transfer notice from the bank or the sender recorded in the bank account. By the name of, we have adopted a confirmation method of confirming that the payment has been made and sending the goods to the sender.
0003
Further, in Japanese Patent Application Laid-Open No. 2000-82101, a plurality of transfer-dedicated accounts are set according to the number of people to be transferred to the recipient who has a bank account, and the recipient is the transfer-dedicated account number. (Sender) is notified, the person who plans to transfer the money transfers to the transfer-only account assigned to him / herself, and the recipient discloses a transfer processing system that identifies the sender from the transfer-only account.
0004
[Problems to be Solved by the Invention]
In the transfer processing system disclosed in the publication, it is not easy to identify the sender who made the transfer when there are a large number of senders who make the transfer in the conventional confirmation method. Since the name is displayed in katakana, it was proposed to solve the problem that it cannot be specified when there are many same surnames and same names, but even in the transfer processing system, commercial transactions are generally not possible. Since it is impossible to specify the number of successful commercial transactions with a specific number of people, the number of transfer-only accounts issued to the recipient may inevitably be insufficient, or vice versa, and the recipient may be left over. For me, if the number of accounts is insufficient, I have to ask the bank to issue a transfer account again, and if there is a surplus, I have to pay an unnecessary fee. Furthermore, there is a problem for banks that they have to manage a transfer-only account in addition to the conventional account.
0005
Also, in recent years, the number of Internet users has increased explosively, and commercial transactions through online shopping and online software are occurring on a daily basis. For example, 30 days have passed since the online software was downloaded and used for a 30-day trial. If you continue to use the online software after a while, you will have to transfer the usage fee of the online software to the recipient's account through a financial institution, but you can only check the transfer amount and the name of the sender in the passbook, and the protection of the expiration date of the online software will be released. Since it is not possible to obtain a destination to send the password, the recipient who is the online software provider sends CGI (Common) to the online software user who is the remittance person on the Web page etc. on the Internet separately from the transfer of the usage fee. After collecting information such as remittance, address, name and e-mail address by Gateway Interface) and creating a database, the remittance person is specified in the database by the deposit amount and the remittance person's name recorded in the passbook, and the remittance person is concerned. If the sender who has completed the transfer of the usage fee does not contact the recipient for some reason, it requires a very time-consuming task of sending the password to remove the protection to the e-mail address of. , The sender cannot be identified, the recipient cannot send the password to release the protection to the sender even if the recipient has received the usage fee, and the sender has already transferred the usage fee. Despite this, there was a problem that the password for unlocking the protection did not arrive, causing trouble.
0006
Therefore, the present inventor can transfer the payer of the transfer from the financial institution without opening a separate transfer account and even if the payer (sender) does not notify the transfer. As a result of repeated research and experiments to provide a transfer inquiry program and transfer inquiry method that can be easily identified as a technical issue, and to realize it, the name of the account opener of the passbook issued by the financial institution ( The pseudo-account opener name of the consolidated character string information that concatenates the name of the account opener and the information (inquiry information) that identifies the account opener of the passbook is written in the (account holder name) column. If the name is constructed on the computer network together with the sender's name, address, account number and other unique information, the recipient does not need to set up an unnecessary number of transfer accounts at the bank, and the payer Without receiving the transfer notification, the computer network can be connected from the concatenated character string information by the transfer notification from the financial institution or the concatenated character string information recorded in the transfer passbook, that is, the inquiry information included in the concatenated character string information. In addition, in commercial transactions on a computer network, if the inquiry information constitutes the account name of the e-mail address, the payer's unique information can be obtained through the account name, and the payer's electronic information can be obtained from the account name. It is said that the e-mail address can be easily obtained, and the payer's e-mail address can be easily obtained from the concatenated character string information in the transfer notification column recorded in the bank account even when paying the price generated by a commercial transaction. This is the result of gaining knowledge and achieving the above technical issues.
0007
[Means for solving problems]
The technical problem can be solved by the present invention as follows.
0008
That is, the transfer inquiry program according to the present invention isFor the recipient of the transfer to connect to the transfer inquiry server by the terminal via the computer network and identify the payer of the transfer.It is a transfer inquiry programThe transfer inquiry server issues to the financial institution a means for causing the financial institution to input the unique information of the account opener who has opened an account, and inquiries information for identifying the account opener in response to the input of the unique information. Means for inputting, means for storing the inquiry information in correspondence with the unique information of the account opener, means for inputting the inquiry information of the account opener who is the payer of the transfer, and the entered inquiry information. Is stored in the transfer inquiry server, and the unique information of the account opener corresponding to the inquiry information when the inquiry information is stored is used as the unique information about the payer of the transfer money. A means for storing the transfer money in association with the recipient, a means for receiving a signal for identifying the terminal from the terminal via a computer network, and a means for receiving inquiry information of an account opener who is the payer of the transfer money. The means for determining whether or not the signal identifying the terminal corresponds to the recipient of the transfer, and when the signal identifying the terminal corresponds to the recipient of the transfer. Make it function as a means to output unique information about the payer corresponding to the inquiry information to the terminal.It is a thing.
0009
In addition, the transfer inquiry method according to the present invention is:The payee of the transfer connects to the transfer inquiry server by the terminal via the computer network and identifies the payer of the transfer.Transfer inquiry methodAnd,The transfer inquiry server registers the unique information of the account opener who has opened an account at the financial institution in the account opener information storage means associated with the financial institution, and the transfer inquiry server registers the account opener. A step of issuing the inquiry information to be specified to the financial institution and storing it in the account opener information storage means corresponding to the unique information of the account opener, and an inquiry in which the financial institution identifies the account opener. The step of issuing an account passbook showing the information to the account opener, the step of causing the transfer inquiry server to input the inquiry information of the account opener who is the payer of the transfer, and the transfer inquiry server are described above. The step of determining whether or not the inquiry information is stored in the account opener information storage means, and when the transfer inquiry server stores the inquiry information in the account opener information storage means, the inquiry information is stored. A step of reading the unique information of the corresponding account opener from the account opener information storage means and storing it in the payer information storage means provided in association with the payee of the transfer money as unique information about the payer of the transfer money. Then, the transfer inquiry server receives a signal for identifying the terminal from the terminal via the computer network and the inquiry information of the account opener who is the payer of the transfer, and the transfer inquiry server is the terminal. The step of determining whether or not the signal specifying the terminal corresponds to the recipient of the transfer, and the transfer inquiry server, the signal identifying the terminal corresponds to the recipient of the transfer. It includes a step of outputting to the terminal unique information about the payer corresponding to the inquiry information sometimes stored in the payer information storage means.It is a thing.
0010
In addition, the transfer inquiry system according to the present invention isThe payee of the transfer connects to the transfer inquiry server by the terminal via the computer network and identifies the payer of the transfer.It is a transfer inquiry systemThe transfer inquiry server causes the financial institution to input the unique information of the account opener who has opened an account, and issues the inquiry information that identifies the account opener to the financial institution in response to the input of the unique information. The inquiry information is stored in correspondence with the unique information of the account opener, and the financial institution issues an account passbook containing the inquiry information for identifying the account opener to the account opener, and the transfer money. When the inquiry information of the account opener who is the payer of is input to the transfer inquiry server, it is determined whether or not the inquiry information is stored in the transfer inquiry server, and when the inquiry information is stored. The unique information of the account opener corresponding to the inquiry information is stored in association with the payee of the transfer as the unique information about the payer of the transfer, and the transfer inquiry server is transferred from the terminal to the terminal via the computer network. When the signal for identifying the terminal and the inquiry information of the account opener who is the payer of the transfer are received, it is determined whether or not the signal for specifying the terminal corresponds to the recipient of the transfer. , When the signal identifying the terminal corresponds to the payee of the transfer, the unique information about the payer corresponding to the inquiry information is output to the terminal.It is a thing.
0011
In addition, the transfer inquiry server according to the present invention isThe recipient of the transfer connects via a terminal via a computer network to identify the payer of the transfer.It is a transfer inquiry serverA means for registering the unique information of an account opener who has opened an account at a financial institution in the account opener information storage means associated with the financial institution, and inquiry information for identifying the account opener to the financial institution. A means of issuing the information and storing it in the account opener information storage means corresponding to the unique information of the account opener, a means of inputting inquiry information of the account opener who is the payer of the transfer, and the inquiry. A means for determining whether or not the information is stored in the account opener information storage means, and an account opener corresponding to the inquiry information when the inquiry information is stored in the account opener information storage means. A means for reading unique information from the account opener information storage means and storing it in a payer information storage means provided in association with the recipient of the transfer as unique information regarding the payer of the transfer, and via a computer network. The means for receiving the signal for identifying the terminal and the inquiry information of the account opener who is the payer of the transfer from the terminal, and the signal for identifying the terminal correspond to the recipient of the transfer. A means for determining whether or not there is, and a payer corresponding to the inquiry information stored in the payer information storage means when the signal identifying the terminal corresponds to the recipient of the transfer money. It is provided with a means for outputting unique information about the terminal to the terminal.It is a thing.
0012
Further, according to the present invention.The account passbook contains the account name of the e-mail address as inquiry information for identifying the unique information of the account holder via the computer network.It is a thing.
0013
Further, according to the present invention.The account passbook is composed of the inquiry information issued by the transfer inquiry server for identifying the payer of the transfer via the computer network, along with the name of the payer who is the account opener.It is a thing.
0014.
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, embodiments showing an example of the present invention will be described with reference to the drawings.
0015.
FIG. 1 is a block diagram of a computer network adopting the transfer inquiry method according to the present embodiment, FIG. 2 is a hardware configuration diagram of the transfer inquiry server shown in FIG. 1, and FIG. 3 is a first auxiliary storage unit shown in FIG. The stored financial institution information database data configuration diagram, FIG. 4 is the data configuration diagram of the account opener information database stored in the second auxiliary storage unit shown in FIG. 2, and FIG. 5 is the third auxiliary shown in FIG. The data composition diagram of the recipient information database stored in the storage unit, FIG. 6 is the data composition diagram of the management loan database stored in the loan storage unit shown in FIG. 2, and FIGS. 7 and 8 are financial institution information. 9 to 14 are flowcharts explaining the account opener information registration program of the transfer inquiry program, FIG. 15 is a block diagram of the calculation unit of the control device shown in FIG. 2, and FIG. 16 is a passbook. 17 to 19 are flowcharts for explaining the recipient information registration program, FIG. 20 is a flowchart for explaining the first transaction confirmation program of the transfer inquiry program, and FIG. 21 is a flowchart for explaining the unique description name written in. FIG. 22 and FIG. 23 are flowcharts for explaining the second transaction confirmation program of the transfer inquiry program, and FIGS. 22 and 23 are flowcharts for explaining the transfer confirmation program of the transfer inquiry program.
0016.
In these figures, 1 is an Internet network, 2 is an administrator who manages a transfer inquiry server 3 in which a transfer inquiry program according to the present embodiment is stored, and the transfer inquiry server 3 is connected to the Internet network 1. ing. Reference numeral 4 denotes a computer terminal owned by a bank (financial institution) 5, the computer terminal 4 is connected to the Internet network 1, and the bank 5 is an account opener who has opened an account at the bank 5 as in the past. Transfer processing between the database computer 6 that issues and manages the passbook of (payer, prospective payer, recipient) and the other branch of bank 5 or the terminal 8 of other bank 7 according to the request of the account opener. I own a terminal 9. 10 is the first personal computer (hereinafter, simply "HP") that can access the homepage (hereinafter, simply referred to as "HP") established on the computer network by connecting to the Internet network 1 and can download paid data and purchase products. It is called a "personal computer".) It is the first user (payer, prospective payer) who owns 11, and 12 opens paid data and HP of a virtual store on the computer network of the Internet network 1 with the second personal computer 13. 14 is the first manager (recipient), and 14 is the second user (payer, prospective payer) who purchases products at a store run by the first manager 12 or a store run by another manager. ). Reference numeral 15 denotes a second manager (recipient) who manages the other store, and the second manager 15 has a function of connecting to the Internet network 1 via the telephone line network 16 and accessing the Web. I own a mobile phone 17, and the mobile phone 17 has a display unit 17a that allows web browsing, an input unit 17b that allows input of characters and symbols, and a character string input from the input unit 17b. It has a decision key 17c for confirming and selecting items, has a function to start a browser, and can send and receive data in response to execution of a CGI program on a WWW (World Wide Web) server. It has. Then, the first user 10, the second user 14, the first manager 12, and the second manager 15 have opened an account with the bank 5 as the bank. In some cases, the first and second users 10 and 14 and the first and second managers 12 and 15 have opened accounts at another bank 7.
[0017]
As shown in FIG. 2, the transfer inquiry server 3 includes a control device 18 called a central processing unit composed of a main storage unit, a calculation unit, and a control unit, and a financial institution information registration program shown in FIGS. 7 and 8. The account opener information registration program shown in FIGS. 9 to 14, the payee information registration program shown in FIGS. 17 to 19, and the transaction confirmation program shown in FIGS. 20 and 21.FIG. 22 andThe program storage unit 19 that stores the transfer confirmation program shown in FIG. 23 and the Internet e-mail address are issued, and the data of the e-mail address is recorded, deleted, corrected, etc., and is always kept and managed in the latest state. The first auxiliary storage unit that stores the financial institution information database that records information data about the mail server unit 20 and the financial institution (bank 5, other bank 7) that uses the transfer inquiry server 3 under the control of the control device 18. Control of the control device 8 for information data regarding (financial institution information storage means) 21 and account openers (payer, prospective payer, beneficiary) whose bank is the financial institution stored in the first auxiliary storage unit 21. The second auxiliary storage unit (account opener information storage means) 22 that stores the account opener information database recorded for each branch of the financial institution, and the recipient of the transfer (first manager 12, first) (Ii) Payment to the third auxiliary storage unit (recipient information storage means) 23, which stores the recipient information database that records information data related to the manager 15) under the control of the control device 18, and the account of the first manager 12. The information data about the payer (first user 10, second user 14) who transferred the data was read and recorded from the account opener information database of the second auxiliary storage unit 22 under the control of the control device 8. Information data on the lending database for one manager and the payer (first user 10, second user 14) who transferred the price to the account of the second manager 15 is controlled by the control device 8 as described above. The loan storage unit (the loan storage unit) that stores the loan database for the second management read and recorded from the account opener information database of the auxiliary storage unit 22 (Payer informationStorage means) 24, connection requests from computer terminal 4, first computer 11, second computer 13, and mobile phone 17, and various data such as program files and data files created in HP creation languages such as shtml and hdml. The input determination unit 25 that controls the connection availability to the Internet level and acquires the specific code of the mobile phone 17 from the environment variable, and the output determination that controls the output availability of various data to the Internet network 1 at the OS level. It is composed of part 26.
0018
The control device (transfer inquiry means) 18 includes a program storage unit 19, a mail server unit 20, first, second, and third auxiliary storage units 21, 22, 23, a loan storage unit 24, an input determination unit 25, and an output determination. A mail server that controls department 26 and identifies the name of the account opener (payer, prospective payer, payee) who has opened an account at a financial institution (bank 5, other bank 7) and the account opener. Concatenated character string information (pseudo account opener) consisting of the name and inquiry information by reading and concatenating the inquiry information that constitutes the account name of the e-mail address issued by Part 20 into the calculation unit 18a (see Fig. 15). Name) is generated, the inquiry information and the concatenated character string information are associated with the information about the financial institution and stored in the second auxiliary storage unit (account opener information storage means) 22, and the transfer money is received by the account opener. Information about a person (first manager 12, second manager 15) is stored in the third auxiliary storage unit (recipient information storage means) 23, and the payer of the transfer (first user) at the account opener. 10. The loan storage unit (10, the second user 14) is read from the second auxiliary storage unit 22 and associated with the information about the recipient.Payer informationStorage means) 24 stores, and when there is an inquiry request to identify the payer based on the inquiry information via the computer network, the loan storage unit 24 stores the unique information about the payer corresponding to the inquiry information. It controls the output.
0019
In the program storage unit 19, the financial institution information registration program for registering financial institutions (bank 5, other banks 7) adopting the transfer inquiry method in the transfer inquiry server 3 and the financial institution registered in the transfer inquiry server 3 Account opener information registration program that registers the account openers (first and second users 10, 14, first and second managers 12, 15) in the transfer inquiry server 3, and accounts with the financial institution. When a recipient information registration program that registers recipients (first manager 12, second manager 15) who use the established transfer inquiry method in the transfer inquiry server 3 and a commercial transaction are completed on the Web page When the first transaction confirmation program executed and the second transaction confirmation program executed when a commercial transaction is completed without going through the Internet network 1 and the payee access the transfer inquiry server 3 via the Internet network 1. The transfer confirmation program to be executed is stored.
0020
As shown in FIG. 3, the first auxiliary storage unit 21 stores a financial institution information database 27 that records information data about financial institutions (bank 5, other banks 7), and the financial institution information database 27 , Unique information data including "financial institution code" data, "financial institution name" data, "branch code" data, and "branch name" data, and assigned to computer terminal 4 of bank 5 and terminal 8 of another bank 7. Lending information data including "IP (Internet Protocol) address" data, "URL (Uniform Resource Locator) address" data for accessing the transfer inquiry server 3, "login name" data for connecting, and "password" data It is composed of and. In the figure, the "registration number" data and the "registration date" data are information data for managing financial institutions that are automatically assigned.
0021.
As shown in FIG. 4, in the second auxiliary storage unit 22, information data on an account opener who has opened an account at bank 5 (other bank 7) is combined with unique information of bank 5 (other bank 7). The account opener information database 28 (29) recorded in association with it is stored, and the account opener information database 28 (29) has opened an account at bank 5 (other bank 7). The "name (name)" data, "postal code" data, "address" data, "phone number" data, and "phone number" data of the first user 10, the second user 14, the first manager 12, and the second manager 15. Unique information data including "account number" data, "account name" (also called "user name") data of the email address which is inquiry information, and the name (account opener name) which is the holder of the account number. ) And the "unique description name (consolidated character string information)" data, which is a pseudo-account opener name formed by concatenating the "account name (inquiry information)", is composed of loan information data. Then, the second auxiliary storage unit 22 is an account allocated for the bank 5 in order to associate with each branch of the bank 5 (note that the bank 5 is also one branch of each branch of the bank 5) and each branch of the other bank 7. It is divided into an opener storage unit 22a and an account opener storage unit 22b allocated for another bank 7, and the account opener information database 28 is stored in the account opener storage unit 22a for bank 5. The account opener information database 29 is stored in the account opener storage unit 22b for another bank 7. Similarly, the account opener information database is created for the other branches of the bank 5 and the other bank 7.
0022.
As shown in FIG. 5, the third auxiliary storage unit 23 is transferred to the account opener who has opened an account at the bank 5 registered in the financial institution information database 27 of the first auxiliary storage unit 21. The recipient information database 30 that records the information data about the recipients (first manager 12, second manager 15) is stored, and the recipient information database 30 is the transfer inquiry server 3 on the second personal computer 13. For the first manager 12 who accesses, the "financial institution code" data, "financial institution name" data, "branch code" data, and "branch name" data of the bank 5 that opens the account are included. Unique information data, "account name (inquiry information)" data, "unique description name (pseudo account opener name)" data, "IP address" data, "URL address" data, "login name" data, and "password" For the second manager 15 who is composed of loan information data including data and accesses the transfer inquiry server 3 with the mobile phone 17, in addition to each information data of the unique information, the mobile phone 17 "ports". It is composed of "phone number" data and "email address" data given to the mobile phone 17 by the telephone company. In the figure, the "registration number" data and the "registration date" data are information data that manages the recipients that are automatically assigned. In addition, the information data regarding the recipient may include the type of business and the products handled.
[0023]
As shown in FIG. 6, the loan storage unit 24 transfers the price to the account of the first manager 12, or the payer (first user 10, second user 14) of the account opener who has transferred the money. ) Is read from the account opener information database 28 and recorded, and the payer (first user 10) who has transferred the payment to the accounts of the first manager loan database 31 and the second manager 15. , The information data related to the second user 14) is read from the account opener information database 28 and recorded, and the second management loan database 32 is stored. As for the data 31 and the loan database 32 for the second management, the account opener recorded in the account opener information database 28 of the second auxiliary storage unit 22 is the payer, respectively. , Unique information data about the payer (account opener) of the account opener information database 28 when becoming a payer ("name (name)" data, "postal code" data, "address" data, In the "phone number" data, "account number" data) and "unique description name" data (or "inquiry information"), and in the financial institution information database 27 of the first auxiliary storage unit 21, which is the payer's bank. It is composed of information including the recorded unique information data about the bank 5 (“financial institution code” data, “financial institution name” data, “branch code” data, “branch name” data). Then, the loan storage unit 24 allocates the first loan storage unit 24a for the first manager 12 and the second loan assigned for the second manager 15 in order to associate with the first manager 12 and the second manager 15. It is divided into a storage unit 24b, the first loan storage unit 24a stores the loan database 31 for the first manager, and the second loan storage unit 24b stores the loan database for the second manager. The memory 32 is stored.
0024
Next, the transfer inquiry method will be described.
0025
In order for the first and second managers 12 and 15 to use the transfer inquiry method according to this embodiment, the first and second managers 12 and 15 and the HP established by the first manager 12 For example, on the Web page, the first user 10 who downloads the trial online software and transfers the usage fee to continue using it, and the second manager 15 purchase the product by mail, for example, at the store. Information (unique information and loan information) about the bank 5 with the second user 14 who transfers the price for the purpose is registered in the transfer inquiry server 3, and information about the first and second managers 12, 15 (information about the first and second managers 12, 15). Unique information and loan information) need to be registered in the transfer inquiry server 3.
0026
If the administrator 2 receives an application from the bank 5 to adopt the transfer inquiry method, after concluding an employment contract with the bank 5, the "bank 5" in the financial institution information database 27 of the first auxiliary storage unit 21 is displayed. Records "registration number" data, "registration date" data, "financial institution code" data, "financial institution name" data, "branch code" data and "branch name" data, and identifies the computer terminal 4 of the bank 5. "IP address" data for access and "URL address" (for example, "ginko.ac / *") for accessing the bank 5 account opener storage unit 22a assigned to the second auxiliary storage unit 22 of the transfer inquiry server 3. *** / ginkou5 / dai1siten / ") Issue the" login name "data and" password "data for connecting to the data, notify the bank 5, and record them in the financial institution information database 27.
[0027]
The IP address, URL address, login name and password are issued for the number of branches of the bank 5. That is, since the bank 5 is both the head office and the branch office, the URL address for accessing the account opener storage unit assigned for the second branch of the bank 5 (for example, "ginko"). .ac /****/ginkou5/dai2siten/ ") and IP address, login name and password will be issued. Then, the URL address or the like issued to the bank 5 contains the unique information of the account opener at the bank 5 as the account opener information data.BeIt is necessary to record in the booth 28, and for other banks 7, account opener information dataBeNotify the URL address and the like required for recording in the session 29.
[0028]
The method of registering the information about the bank 5 in the transfer inquiry server 3 can be realized by, for example, the financial institution information registration program shown in FIG. 7.
[0029]
In the financial institution information registration program, when the administrator 2 launches the financial institution information registration program, an ID and password input screen is displayed (step s1), and the ID and password are input from the input screen. By clicking the input button, it is determined by the control of the control device 18 whether or not the ID and password permit the registration of financial institution information (step s2), and if so, if permitted. Enter the unique information of "financial institution code", "branch code", "financial institution name" and "branch name", and the loan information of "IP address", "URL address", "login name" and "password". The financial institution registration screen is displayed (step s3). Next, if you enter the unique information and loan information of the bank 5 that has concluded the recruitment contract from the financial institution registration screen and click either the registration button or the end button, you can see which button was pressed. If the determination is made (step s4) and the registration button is used, the registration confirmation screen for each of the above information is displayed (step s5). Then, if the administrator 2 confirms each information displayed on the registration confirmation screen and clicks one of the OK button and the cancel button, it is determined which button is pressed (step s6). , If it is an OK button, whether or not each information input is a new registration under the control of the control device 18, that is, the data of each information is stored in the financial institution information database 27 of the first auxiliary storage unit 21. It is determined whether or not the information has already been recorded (step s7), and if it is a new registration that is not recorded in the financial institution information database 27, the data of each of the above information is recorded in the financial institution information database 27 as new data. Later, the registration end screen is displayed (step s8), and by clicking the OK button from the registration end screen, the process jumps to step s3. If it is not permitted in step s2, or if it is an end button in step s4, it jumps to step s1, and if it is a cancel button in step s6, it jumps to step s3.
[0030]
When the data has been registered in step s7, that is, when the input data of each of the information has already been recorded in the financial institution information database 27, as shown in FIG. 8, the work is canceled and the data is replaced. A screen for selecting one of the above and the deletion is displayed, and an instruction is awaited (step s9). When the administrator 2 clicks any of the above work buttons on the selection screen, the work button selected in step s10 is determined by the control of the control device 18, and if it is a data replacement button, the financial institution information. Each of the corresponding registered information is read from the database 27 and displayed as the original information, and each information input in step s3 is displayed as new information to prompt confirmation of whether or not to execute the replacement (step s11). .. If one of the OK button and the cancel button is clicked on the confirmation screen, it is determined which button is pressed (step s12), and if it is an OK button, the new control device 18 controls the new button. After overwriting the information data with the original information data recorded in the financial institution information database 27 and replacing it with new data, the replacement end screen is displayed (step s13), and the OK button is clicked to take steps. Jump to s3.
0031
In step s10, if the data is deleted, the control device 18 controls to read and display the corresponding registered information from the financial institution information database 27, prompting confirmation of whether or not to execute the deletion. (Step s14). If you click either the OK button or the cancel button on the confirmation screen, it is determined which button was pressed (step s15), and if it is the OK button, the confirmation screen for deletion is displayed again. If it is an OK button (steps 16 and s17), the deletion end screen is displayed after deleting each of the registered information data recorded in the financial institution information database 27 under the control of the control device 18 (steps s16, s17). Step s18), the OK button is clicked to jump to step s3. If it is a work cancel button in step s10, it jumps to step s3 if it is a cancel button in steps s12, s15 and s17.
[0032]
After registering the information that identifies the bank 5 in the transfer inquiry server 3 by the financial institution information registration program, the administrator 2 stores the account opener for the bank 5 as a storage area for the bank 5 in the second auxiliary storage unit 22. Department 22a is assigned in association with the unique information of bank 5 recorded in the financial institution information database 27, and an empty account opener information database 28 is stored in the account opener storage unit 22a for the bank 5, and the bank 5 Notify the loan information (“IP address”, “URL address”, “login name” and “password”) of each branch. Therefore, although not shown in FIG. 4, the storage area of the second auxiliary storage unit 22 is also assigned to the account opener storage unit for the second branch of the bank 5. As a result, the bank 5 sets the lending IP address on the computer terminal 4, and transfers the unique information of the account holders (first and second users 10, 14 and first and second managers 12, 15) to the transfer inquiry server. In order to register in 3, connect to the transfer inquiry server 3 using the rented URL address, login name and password.
0033
Next, a method of opening an account at the bank 5 or registering the unique information of the first and second users 10, 14 and the first and second managers 12, 15 that have been opened in the transfer inquiry server 3. Can be realized by, for example, the account opener information registration program shown in FIGS. 9 to 14.
0034
Start the Web browser on the computer terminal 4 of the bank 5, enter the loan URL address ("ginko.ac/****/ginkou5/dai1siten/"), and enter the account opened for the bank 5 of the transfer inquiry server 3. If you access the Web page for entering the holder information, the account holder information registration program of the transfer inquiry program will be executed.
0035.
In the account opener information registration program, as shown in FIG. 9, the bank 5 requesting connection to the transfer inquiry server 3 is determined by the IP address of the computer terminal 4 under the control of the control device 18 (step s19). If it is not the lent IP address, an error screen such as "Cannot connect" is displayed (step s20), the connection is refused, and the account opener information registration program is terminated. If the IP address was lent in step s19, a screen prompting the user to enter a login name and password is displayed on the display screen of the computer terminal 4 (hereinafter referred to as "CRT") (step s21), and the rented login name is displayed. If the password is input from the computer terminal 4, it is determined by the control of the control device 18 whether or not the entered login name and password correspond to the IP address (step s22), and the corresponding ones are used. If not, an error screen such as "Authentication failed" is displayed (step s23), and the process jumps to step s21. If it corresponds to in step s22, then, the CRT of the computer terminal 4 [1. Registration work] and [2. Search business] and [3. Deletion work] and [4. Display the business selection screen for selecting either [End] (step s24). If any of the above-mentioned operations is selected from the computer terminal 4, it is first determined whether or not termination is selected (step s25), and if so, the connection is disconnected and the account opener information registration program is terminated. If it is not completed, then it is determined whether the selected business is the registration business, the search business, or the deletion business (step s26), and if it is the registration business, the unique information of the account opener. A screen for inputting (“name”, “zip code”, “address”, “telephone number”, and “account number”) is displayed on the CRT of the computer terminal 4 (step s27). If you enter the unique information of the account opener, for example, the first user 10 from the computer terminal 4 and click either the registration button or the end button, it is determined which button was pressed (step). s28) If it is the end button, it jumps to step s24, and if it is not the end button, then, under the control of the control device 18, the input unique information of the first user 10 lends the login name and password. Judging from the "account number" whether or not it is already recorded in the account opener information database 28 stored in the bank 5 account opener storage unit 22a of the second auxiliary storage unit 22 as the account opener of the bank 5 Then, if it is new unique information, as shown in FIG. 10, the confirmation screen of the unique information is displayed on the CRT of the computer terminal 4 (step s30). If you click either the OK button or the cancel button from the computer terminal 4, it is determined which button was pressed (step s31), and if it is the cancel button, the new unique information is canceled and the step is taken. Jump to s27 to prompt the re-entry of the unique information, and if it is the OK button, the new unique information about the first user 10 is stored in the financial institution information database 27 of the first auxiliary storage unit 21 under the control of the control device 18. It is recorded in the account opener information database 28 of the account opener storage unit 22a for bank 5 in association with the unique information of bank 5 recorded in (step s32), and is recorded in the mail server unit 20 for the first user 10. An e-mail address (for example, "100100100@ginko.ac") is issued (step s33), and then, under the control of the control device 18, the first recorded in the account opener information database 28 as shown in FIG. The "name" (for example, "Taro Yamada") data of the user 10 and the account name ("100100100": inquiry information) data of the email address issued by the mail server unit 20 are sent to the calculation unit 18a of the control device 18. Read and concatenate the "name" and "account name" of the first user 10 to create a unique description name (for example, "Taro Yamada 100100100"), and together with the "account name", the uniqueness of the first user 10. Recorded in the account opener information database 28 corresponding to the information (step s34), and stored in the CRT of the computer terminal 4 as "name", "postal code", "address", "phone number", "account number", and "unique". Display the registered screens of "Name" and "Email address" (step s35), and when the OK button is pressed on the registered screen, jump to step s27 and open another account (second user). 14, Encourage the input of unique information of the first and second managers 12, 15). Although the "account name" is included in the display in step s35, the "account name" may be displayed again.
0036
At the bank 5, the account opener name column (account holder column) of the passbook issued to the first user 10 by acquiring the "unique description name" and the "email address" on the registered screen in step s35. ) Indicates the name of the pseudo-account opener of the "unique description name" (for example, "Taro Yamada 100100100") and hands it to the first user 10. In addition, the "email address" may be described in the remarks column or the like. In addition, the account opener information can also be accessed at the other branch (second branch) of Bank 5 by accessing the URL address ("ginko.ac/****/ginkou5/dai2siten/") lent to the other branch. The registration program is executed, and the account opener information database for the second branch is created in the account opener storage unit for the second branch provided for the second branch of the bank 5.
0037
If it is determined in step s29 that the information is not new unique information, that is, if it is already recorded in the account opener information database 28 corresponding to the bank 5, the input unique information is entered as shown in FIG. A warning screen indicating that the information is registered unique information is displayed on the CRT of the computer terminal 4 (step s36), and when the YES button or the NO button is clicked from the computer terminal 4, any button is displayed. Is pressed (step s37), and if it is a NO button, it cancels the input unique information, jumps to step s27, prompts re-entry of the unique information, and if it is a YES button to update. , By the control of the control device 18, the corresponding registered unique information is read from the account opener information database 28 and displayed as the original information, and the unique information input in step s27 is displayed as new information and the update is executed. Prompt for confirmation of whether or not to do so (step s38). If either the YES button or the NO button is clicked on the screen, it is determined which button is pressed (step s39), and if it is the NO button, the unique information is canceled and the process jumps to step s27. If the button is YES, the data of the new information is overwritten on the data of the original information recorded in the account opener information database 28 under the control of the control device 18 and new. After replacing with data (step s40), jump to step s27 to prompt the input of new unique information. If the updated information is "name" data, a new "unique description name" is created in step s40 as in step s34.
[0038]
When the deletion business is selected on the business selection screen of step s24 and the deletion business is determined in step s26 due to the cancellation of the account, as shown in FIG. 12, the "account number" of the canceled account holder A deletion screen for inputting "" and "unique description name" is displayed on the CRT of the computer terminal 4 to prompt the input of each information (step s41). If you enter the "account number" and "unique description name" from the computer terminal 4 and click either the delete button or the end button, it is determined which button was pressed (step s42). If it is the end button, it jumps to step s24 and prompts the selection of each of the above tasks. If it is a delete button, then, under the control of the control device 18, whether or not the input "account number" and "unique description name" exist in the account opener information database 28 as the account opener of the bank 5. (Step s43), if it does not exist, an error screen such as "Data does not exist" is displayed and the OK button is clicked (step s44) to jump to step s41. If it exists, the control device 18 controls to read the unique information of the corresponding account opener from the account opener information database 28, display the deletion confirmation screen on the CRT of the computer terminal 4 (step s45), and display the deletion confirmation screen on the computer terminal. If you click either the delete button or the cancel button from 4, it is determined which button was pressed (step s46), if it is a cancel button, it jumps to step s41, and if it is a delete button, it jumps to step s41. Delete the "email address" lent to the account opener to be deleted managed by the mail server section 20 (step s47), and then open the account to be deleted recorded in the account opener information database 28. After deleting each information data of the unique information about the person and the loan information such as "unique description name" (step s48), the deleted screen such as "Deleted has been executed" is displayed on the CRT of the computer terminal 4. (Step s49), the OK button is clicked on the deleted screen to jump to step s41.
[0039]
In order for the bank 5 to send a direct mail to the desired account holder using the transfer inquiry method, the search business is selected on the business selection screen of step s24, and it is determined that the search business is performed in step s26. In this case, as shown in FIG. 13, for example, a search screen for selecting a search condition from an item list such as drop-down unique information and inputting a character corresponding to the item in the item box is displayed on the computer terminal 4. Is displayed on the CRT of the above to prompt the execution of the search (step s50). If one of the search button and the end button is clicked from the computer terminal 4, it is determined which button is pressed (step s51), and if it is the end button, the process jumps to step s24 to perform the above-mentioned work. Prompt for choice. If it is a search button, then, a search is executed based on the search condition under the control of the control device 18 (step s52), and the unique information of the corresponding account opener is extracted from the account opener information database 28 and corresponds. Display the account opener list (step s53). The result may be redisplayed by executing a narrowing search based on the number of hits in step s53. On the search result screen in step s53, mark the account opener check field to send a direct mail, and click either the mail button or the end button from the computer terminal 4, and any button will be pressed. Judging whether it was done (step s54), if it is the end button, jump to step s50, if it is the mail button, the mail transmission screen for entering the subject and text of the mail is displayed (step s55), and from the computer terminal 4 If you enter the subject and text of the email and click one of the send button, delete button, and end button, it is determined which button was pressed (step s56), and if it is the delete button, enter it. Erase the contents and jump to step s55, if it is the end button, jump to step s50 in the same way, if it is the send button, an email will be sent to the marked account opener as shown in FIG. Sent (step s57), a sent screen such as "Email has been sent" is displayed on the CRT of the computer terminal 4 (step s58), and the OK button is clicked on the sent screen to step. Jump to s50.
0040
In the second user 14, the first and second managers 12, 15 as well, each unique information and loan information are similarly recorded in the account opener information database 28 by the account opener information registration program.
[0041]
As a result, the first and second users 10 and 14 and the first and second managers 12 and 15 will be able to use the bank 5, for example, the "account number", "unique description name" and XX bank XX branch. Receive the passbook 33 as shown in FIG. 16 shown. The "unique description name" of the first user 10 is, for example, "Taro Yamada 100100100", and the inquiry information "100100100" following "Taro Yamada" is the e-mail address lent to the first user 10. Since it is the account name of, the first user 10 has his / her e-mail address "100100100 @ ginko." From the domain name (for example, ginko.ac) of the transfer inquiry server 20 that has been made public (notified by bank 5). The first personal computer owned by the first user 10 who can know that it is "ac"11If you set "pop.ginko.ac" as the pop server and "smtp.ginko.ac" as the smtp server in the mail sending / receiving software installed in, the login name and password for the account opener passed with the passbook 33. Can be used to connect to the Internet network 1 with the administrator 2 as a provider. The first and second managers 12 and 15 who are the account holders can also connect to the Internet network 1 in the same manner.
[0042]
Next, if the manager 2 receives an application from the first and second managers 12 and 15 that he / she wants to use the transfer inquiry method, he / she concludes a usage contract with the first and second managers 12 and 15. Then, for the first manager 12 who accesses the transfer inquiry server 3 on the second computer 13, the unique information including the information about the financial institution in which the first manager 12 has opened the account, the "account name" data, and the data. The "unique description name" data is recorded in the recipient information database 30 of the third auxiliary storage unit 23, and the second manager 15 who accesses the transfer inquiry server 3 with the mobile phone 17 is added to the mobile phone. 17 "phone number" data and "email address" data are recorded in the recipient information database 30, and the IP address and transfer inquiry server 3 for identifying the second computer 13 for the first manager 12 are recorded. To obtain information about the payer recorded in the first management loan database 31 of the first loan storage unit 24a assigned for the first management 12 of the loan storage unit 24. Issue a login name and password for connecting to the URL address (for example, "ginko.ac/****/uketorinin/dai1keieisha/") required for Regarding the payer for accessing the transfer inquiry server 3, that is, recorded in the second manager loan database 32 of the second loan storage unit 24b assigned for the second manager 15 of the loan storage unit 24. Issue a URL address (for example, "ginko.ac/****/uketorinin/dai2keieisha/") required to obtain information and a login name and password for connecting, and together with the recipient information database 30 If the first and second managers 12 and 15 are conducting business transactions at the Web shop, enter at least the unique description name, loan account name or loan email address that identifies the unique information of the payer. Lend a page script for ordering with a column.
[0043]
The method of registering the information specifying the first and second managers 12 and 15 in the transfer inquiry server 3 can be realized by, for example, the recipient information registration program shown in FIGS. 17 to 19.
[0044]
In the recipient information registration program, when the administrator 2 launches the recipient information registration program, an ID and password input screen is displayed (step s59), and the ID and password permit registration. It is determined whether or not (step s60), and if it is not permitted, it jumps to step s59, and if it is permitted, for example, the "unique description name" and the unique information notified from the first management 12 The recipient registration input screen for inputting is displayed (step s61). Next, if you enter the "unique description name" and unique information of the first manager 12 who has concluded the usage contract from the recipient registration input screen and click either the collation button or the end button, anytime (Step s62), if it is the end button, it jumps to step s61, and if it is the collation button, the "account name" of the "unique description name" is changed by the control of the control device 18. Since it was issued to the bank 5, the information data about the first manager 12 recorded in the account opener information database 28 associated with the bank 5 is searched and hit based on the "unique description name". The input unique information is collated with the input unique information (step s63), and if they are not the same (step s64), an error screen such as "does not match" is displayed together with the inconsistent information (step s65), and OK. When the button is pressed, the process jumps to step s61. If it is determined in step s64 that they are the same, then a screen for selecting a terminal to access the transfer inquiry server 3 is displayed (step s66), and [1. When [PC] is selected (step s67), as shown in FIG. 18, the “URL address” (“ginko.ac/****/uketorinin/” for the recipient to lend to the first manager 12 dai1keieisha / ”),“ IP address ”,“ login name ”, and“ password ”are entered. The recipient information registration screen is displayed to prompt the entry of the loan information (step s68). If each of the above information is input from the recipient information registration screen and one of the registration button and the end button is clicked, it is determined which button is pressed (step s69), and if it is the end button. If the process is stopped and the process is jumped to step s61 and the registration button is used, the unique information and the like, the "account name", and the "account name" that are hit by searching based on the "unique description name" in the step s63 under the control of the control device 18 are used. The "unique description name" and the "URL address", "IP address", "login name" and "password" entered in step s68 are recorded in the recipient information database 30 of the third auxiliary storage unit 23 (step s70). .. Then, a registration completion screen such as "Registered" is displayed (step s71), and when the OK button is pressed, the process jumps to step s61. In the step s61, the type of business and the products handled may be input.
0045
When registering the second manager 15 by the beneficiary information registration program, in step s67, [2. Since the mobile phone] is selected, as shown in FIG. 19, the “mobile phone number” and the “email address” of the mobile phone notified by the second manager 15 following step s67, and for the recipient to be lent. Enter the "URL address" ("ginko.ac/****/uketorinin/dai2keieisha/"), "login name" and "password" of the recipient information registration screen, and enter each information. Prompt (step s72). If each of the above information is input from the recipient information registration screen and one of the registration button and the end button is clicked, step s73 is executed in the same manner as in step s69, and step s74 is the same as in step s70. The information is recorded in the recipient information database 30 of the third auxiliary storage unit 23, and then step s75 is executed in the same manner as in step s71.
[0046]
After registering the information that identifies the first and second managers 12 and 15 in the transfer inquiry server 3 by the recipient information registration program, the administrator 2 stores the information for the first manager 12 in the loan storage unit 24. The first loan storage unit 24a is assigned as an area in association with the unique information of the first manager 12 recorded in the recipient information database 30, and the second loan storage unit 24b is assigned as a storage area for the second manager 15. It is assigned in association with the unique information of the second manager 15 recorded in the beneficiary information database 30, and the empty first manager loan database 31 is stored in the first loan storage unit 24a, and the second loan memory is stored. The empty loan database 32 for the second manager is stored in part 24b, and the loan information for the recipients (“IP address”, “URL address”, “login name”” is stored in the first and second managers 12 and 15, respectively. And "password" etc.). As a result, the first and second managers 12 and 15 are lent to obtain unique information such as the "name" and "address" of the payer of the transfer (first and second users 10, 14). Connect to the transfer inquiry server 3 using the URL address, login name, and password.
[0047]
Next, the transaction confirmation program and the transfer confirmation program of the transfer inquiry program will be described.
0048
First, when a commercial transaction is established between the first user 10 and the first manager 12, that is, download the trial online software on the Web page of the HP opened by the first manager 12, for example. , The case where the first user 10 transfers the usage fee for continued use will be described.
[0049]
In order for the first user 10 to obtain a password to unprotect the expiration date of the online software, it is written in the account opener name field of the passbook 33 in the input field of the loan page script for ordering attached to the relevant Web page. By typing in the "account name" of the "unique description name", the first transaction confirmation program of the transfer inquiry program shown in FIG. 20 is executed.
0050
In the first transaction confirmation program, the first user 10 enters the "name", "postal code", "address", "phone number" and the passbook 33 received from the bank 5 from the input field of the loan page script for the order. If you enter the written e-mail address issued by the financial institution (for example, "100100100@ginko.ac") that the administrator 2 lent for the first user 10 and press the send button (step s76), the loan will be made. Since the page script is linked to the transfer inquiry server 3, each of the above information data is transmitted to the transfer inquiry server 3, and the transfer inquiry server 3 adds "email address" data to the received data under the control of the control device 18. It is determined whether or not it is included (step s77), and if there is no "email address" data, the payer in this commercial transaction will send an email to the first manager 12 to the effect that the transfer inquiry method cannot be used. (Step s78), the first transaction confirmation program is terminated. If the "email address" data is included in step s77, the "account name" ("100100100") of the entered email address is issued to the bank 5, and is based on the "account name". Account Opener Information Day for Bank 5 Account Opener Storage 22a associated with Bank 5TabeFrom the "account name" or "unique description name" ("Taro Yamada 100100100") recorded in the section 28, the above-mentioned information data and the unique information data corresponding to the "account name" or "unique description name" are obtained. If they do not match after collating (step s79), an error screen stating "does not match" such as the information entered as the account holder of bank 5 is different from the information registered as the account holder of bank 5 is displayed on the first personal computer 11. It is displayed on the CRT (step s80), and jumps to step s76 to prompt re-entry. If there is a match in step s79, then, under the control of the control device 18, the first manager loan of the first loan storage unit 24a assigned for the first manager 12 which is the link source of the loan page script. Information data about the first user 10 is recorded in database 31.KaWhether or not, that is, whether or not the information of the first user 10 is registered (step s81) is determined, and if it is not registered, the account opener information dayTabeInformation data ("name", "postal code", "address", "phone number", "account number", "unique description name" and transaction regarding the first user 10 who will be the payer of the transfer from the bank 28 The information of the bank 5) is read and recorded in the first management loan database 31 (step s82). Then, an e-mail is sent to the first manager 12 to the effect that the unique information of the first user 10 has been registered as a transaction customer of the first manager 12 (an account opener who will be the payer of the transfer) ( Step s83), the first transaction confirmation program is finished and the control is returned to the Web page of the HP opened by the first manager 12. If it has already been registered in step s81, that is, the first user 10 is a trading customer of the first manager 12, and has already been registered as an account opener who will be the payer of the transfer money in this commercial transaction. If so, jump to step s83. If there is an order script owned by the first manager for specifying the product on the Web page after executing the step s83, the first user 10 will input a predetermined item. Further, in step s76, the "email address" may be a "unique description name" or an "account name" ("100100100"). In this case, in the step s77, the "unique description name" or "account" may be used. Executed based on "name".
0051
Next, the first user 10 takes the remittance procedure at the bank 5 in order to pay the usage fee to the first manager 12. As a remittance method, the method of remittance by operating the CD machine of the bank 5 or at the window There is a method of remittance by filling in the prescribed items on the transfer slip, but in the case of using a CD machine, enter the "unique description name" ("Taro Yamada 100100100") written in the account opener name column of the passbook 33. If you use a transfer slip, enter the "unique description name" and send the money.
[0052]
As a result, the bank 5 notifies the first manager 12 that the first user 10 who is the holder of the passbook 33 "unique description name" ("Taro Yamada 100100100") has made the transfer. , The first manager 12 who provides online software can know the e-mail address of the first user 10 ("100100100@ginko.ac") from the "unique description name" and protects the e-mail address. You can send an e-mail with a password to cancel.
[0053]
Next, when a commercial transaction is established between the second user 14 and the second manager 15, that is, the second user 14 purchases the product by mail order at the store managed by the second manager 15. The case of transferring the price for the purpose will be described.
0054
When the commercial transaction is concluded by the contract, the second manager 15 who is the recipient of the price is the "unique description name" of the second user 14 who is the payer of the price to the manager 2 (for example, "NAMEaJ9". # kM35 ") and the" unique description name "of the second management 15 will be sent.
0055
In addition, if it is not based on the contract, the second user 14 will take the transfer procedure at the bank 5, and the bank 5 will notify the second manager 15 that the payment has been made. The second manager 15 sends a copy of the "unique entry name" entry field of the second user 14 recorded in the payment notice or the passbook to the administrator 2.
0056
As a result, the administrator 2 launches the second transaction confirmation program of the transfer inquiry program shown in FIG. 21 on the transfer inquiry server 3.
[0057]
In the second transaction confirmation program, the administrator 2 looks at the copy of the contract or the transfer passbook, etc., and from the loan database creation screen, the account name of the "unique description name" of the second manager 15, that is, the second manager 15. Enter the inquiry information of the second user 14 and the account name of the "unique description name" (for example, "NAMEaJ9 # kM35") of the second user 14, that is, the inquiry information of the second user 14 ("aJ9 # kM35"). If you click either the registration button or the end button (step s84), it is determined which button was pressed (step s85), and if it is the end button, the second transaction confirmation program ends. If it is a registration button, then, under the control of the control device 18, the account opener information day of the bank 5 is based on the input inquiry information of the second manager 15.TabeThe "name (name)" of the second manager 15 is read from the "unique description name" recorded in the section 28, and the input inquiry information of the second user 14 ("aJ9 # kM35") is used. Based on the above account opener information dayTabeThe "name" of the second user 14 is read from the "unique description name" ("NAMEaJ9 # kM35") recorded in the database 28, and the second manager is read from the "unique description name" of the second user 14. Information data about the second user 14 is recorded in the second management loan database 32 lent to 15.KaWhether or not, that is, whether or not the information of the second user 14 is registered (step s86) is determined, and if it is not registered, then the "name (name)" of the second manager 15 and the second (Ii) Display a screen to the effect that the "name" of the user 14 is listed and registered, and prompt the confirmation of whether or not to execute (step s87). If you click either the registration execution button or the cancel button on the screen, it is determined which button was pressed (step s88), and if it is the cancel button, it will be stepped.PuIf the jump is made to s84 and the registration execution button is used, then the account opener information day is controlled by the control device 18.TabeInformation data ("name", "postal code", "address", "phone number", "account number", "unique description name" and transaction regarding the second user 14 who is the payer of the transfer from the bank 28 (Bank information) is read and recorded in the loan database 32 for the second manager who is the recipient of the transfer (step s89). Then, the registration end screen is displayed (step s90), and the OK button is clicked from the registration end screen to jump to step s84. If it is registered in step s86, a screen notifying that it has already been registered is displayed (step s91), and the OK button is clicked from the screen to jump to step s84.
0058.
Next, the first manager 12 is the firsttwoWhen the second manager 15 connects to the transfer inquiry server 3 with the mobile phone 17 and identifies the party to the transfer based on the inquiry information of the "unique description name" notified by the bank 5 on the personal computer 13 or the second manager 15. Will be described.
[0059]
The first manager 12 or the second manager 15 is the firsttwoIf the transfer inquiry server 3 is accessed with the "URL address" lent by the personal computer 13 or the mobile phone 17, the IP address acquired by the input determination unit 25 is not the IP address lent to the financial institution. The transfer confirmation program of the transfer inquiry program shown in 23 is executed. The loan "URL address" points to different transfer confirmation Web pages opened for the first and second managers 12 and 15, but the transfer confirmation program to be executed has the same procedure.
[0060]
In the transfer confirmation program, the control device 18 determines whether or not the IP address acquired by the input determination unit 25 is the IP address for the telephone company (step s92), and if it is not the IP address for the telephone company. That is, if it is accessed by a personal computer, it is determined whether or not it is the IP address lent to the recipient (step s93), and if it is not the IP address lent to the recipient, "connection is not possible." The connection impossible error screen is displayed (step s94), and the transfer confirmation program is terminated by pressing the OK button. If the IP address is lent to the recipient, display a screen prompting you to enter the login name and password on the CRT of the second computer 13 (step s95), and enter the lent login name and password from the second computer 13. For example, under the control of the control device 18, it is determined whether or not the entered login name and password are recorded in the recipient information database 30 and correspond to the IP address (step s96). If it is not the case, an error screen such as "Authentication failed" is displayed (step s97), and the process jumps to step s95. If it corresponds in step s96, the first manager 12 is the firsttwoAssuming that the access was made on the personal computer 13, the "account" of the "unique description name" (described as "Yamada Taro 100100100" in the transfer notification) obtained by the transfer notification on the second personal computer 13 was subsequently obtained. Display the customer search screen for entering the "first name" ("100100100") (step s98). If you enter the "account name" ("100100100") from the second computer 13 and click either the search button or the end button, it is determined which button was pressed (step s99), and the process ends. If it is a button, the transfer confirmation program will end. If it is not the end button, then, under the control of the control device 18, "Yamada" is added to the first manager loan database 31 created for the first manager 12 using the above "account name" ("100100100") as a search key. It is determined whether or not the unique description name of "Taro 100100100" is recorded (step s100), and if it is not recorded, an error screen such as "Data does not exist" is displayed on the CRT of the second personal computer 13. (Step s101), the second personal computer 13 jumps to step s98 by pressing the OK button. If "Taro Yamada 100100100" is recorded in the loan database 31 for the first manager, the unique information and "unique description name" of the first user 10 corresponding to the "Taro Yamada 100100100" are displayed (step s102). ), If the first manager 12 downloads, prints, etc. each of the information on the screen and clicks the OK button, the process jumps to step s98.
[0061]
In step s92, if the IP address is an IP address for a telephone company, as shown in FIG. 23, in order to determine whether or not the second manager 15 has accessed with the mobile phone 17. Under the control of the control device 18, the display unit 17a of the mobile phone 17 is displayed with a screen prompting the input of the login name and password and the mobile phone email address lent by the telephone company (step s103), and the input unit of the mobile phone 17 is displayed. When the above information is input by operating 17b and the enter key 17c, it is determined by the control of the control device 18 whether or not the input login name and password are recorded in the recipient information database 30 (). Step s104), jumps to step s94 if it is not recorded, and if it is recorded, it is subsequently determined whether or not the login name and password correspond to the mobile phone email address (step s104). Step s105) If it does not correspond, jump to step s103 to prompt re-entry, and if it corresponds, jump to step s98 assuming that the second manager 15 accessed with the mobile phone 17. Then, the customer search screen for inputting the "account name" ("aJ9 # kM35") of the "unique description name" obtained by the transfer notification is displayed on the display unit 17a of the mobile phone 17 (step s98), and the mobile phone 17 is displayed. If you enter "aJ9 # kM35" and click the button (step s99), then, under the control of the control device 18, the "aJ9 # kM35" created for the second manager 15 as the search key. (Ii) It is determined whether or not the unique description name of "NAMEaJ9 # kM35" is recorded in the loan database 32 for managers (step s100), and "NAMEaJ9 # kM35" is recorded in the loan database 32 for second managers. Then, the unique information and the "unique description name" of the second user 14 corresponding to the "NAMEaJ9 # kM35" are displayed (step s102).
[0062]
As a result, the first and second managers 12 and 15 can identify the first and second users 10 and 14, and can download the unique information and create a database of information about the customer.
[0063]
In the present embodiment, the inquiry information and the unique description name are recorded in each database, but since the unique description name includes the inquiry information, the unique description name is recorded. May be good. Further, the inquiry information is information that identifies the account opener, but since it is provided corresponding to the account of the bank 5, it is also information that identifies the account of the account opener. Therefore, the concatenated character string information in which the account opener name and the inquiry information report are concatenated may be used as the account name of the e-mail address.
[0064]
In addition, if the first and second users 10 and 14 have opened accounts at another bank 7 and the information about the other bank 7 is registered in the transfer inquiry server 3, the bank from the other bank 7 It is possible to identify the unique information of the first and second users 10 and 14 who have transferred the transfer money to 5.
[0065]
Further, since the unique information such as the recipient's name and address and the unique information of the correspondent bank can be obtained from the account opener information database 28 by the recipient's inquiry information, the information data on the recipient is the "account name" data or "account name" data. It may be loan information data including "unique description name" data, "IP address" data, "URL address" data, "login name" data and "password" data, and may be "IP address" and "URL address". The "login name" and "password" may be stored in the mail server unit 20 in correspondence with the account opener in each database.
[0066]
Further, the loan information may be stored in another storage unit in association with the account opener. For example, the IP address, URL address, login name and password are stored in a database in the mail server unit 20, and the account is opened by the inquiry information. May be associated with a person.
[0067]
Also, information dataBeA service may be constructed for each financial institution including each branch, and the "IP address", "login name" and "password" may be lent to the financial institution for each branch.
[0068]
Further, the transfer inquiry program may include a financial institution information registration program, an account opener information registration program, a payee information registration program, a transaction confirmation program, and a transfer confirmation program.
[0069]
In the transfer inquiry program according to the present embodiment, the account openers (first and second users 10, 14 and first and second managers 12, 15) in which the transfer inquiry server 3 has opened an account at the bank 5 ) Is issued and displayed in the account name and / or unique description name of the e-mail address that specifies (steps s19 to s35), and the transfer payment is made based on the account name or unique description name via the computer network. When there is an inquiry request to identify a person (first and second users 10, 14), the transfer inquiry server 3 associates with the first manager 12 (second manager 15) who is the recipient of the transfer. Steps (steps s92 to s105) for outputting unique information about the first and second users 10 and 14 corresponding to the account name or the unique description name stored in the loan storage unit 24a (24b) provided in the above. ), So the first and second managers 12 and 15 can easily identify the payer of the transfer via the computer network by the account name or unique description name notified from the bank 5. ..
[0070]
Further, in the transfer inquiry program according to the present embodiment, the transfer inquiry server 3 opens an account at the bank 5 (first and second users 10, 14 and first and second managers 12). , 15) Issuing the account name and / or unique description name of the e-mail address that identifies) and storing it in the account opener storage unit 22a of the second auxiliary storage unit 22 in association with the bank 5 (Steps 19 to s35) and the transfer inquiry server 3 make the unique information about the payer of the transfer (first and second users 10, 14) correspond to the account name or the unique description name of the transfer. Transaction confirmation steps (steps s76 to s83, steps s84 to s91) to be stored in the loan storage unit 24a (24b) provided in association with the beneficiary first manager 12 (second manager 15), and When there is an inquiry request to identify the payer (first and second users 10, 14) based on the account name or the unique description name via the computer network, the transfer inquiry server 3 causes the loan storage unit 24a (24b). ) Provides a transfer confirmation step (steps s92 to s105) that outputs unique information about the first and second users 10 and 14 corresponding to the account name or the unique description name. The managers 12 and 15 can easily identify the payer of the new transfer via the computer network by the account name or the unique description name notified from the bank 5.
[0071]
Further, in the transfer inquiry program according to the present embodiment, in the transaction confirmation step, the transfer inquiry server 3 provides unique information regarding the payer (first user 10) of the transfer money for which a commercial transaction has been established with the first manager 12. It is read from the account opener storage unit 22a and stored in the first loan storage unit 24a provided in association with the first manager 12 in correspondence with the account name or unique description name of the first user 10, and is stored in the second management. The unique information about the payer (second user 14) of the transfer money for which the business transaction was established with the person 15 is read from the account opener storage unit 22a and corresponds to the account name or the unique description name of the second user 14. (Ii) Since it is stored in the second loan storage unit 24b provided in association with the manager 15, it is associated with the first manager 12 and the second manager 15 who request inquiries via the computer network, respectively. Since the unique information of the payer can be output from the loan storage units 24a and 24b, securityICan be established.
[0072]
Further, in the transfer inquiry program according to the present embodiment, when the account name or the unique description name is obtained from the first user 10 who is the payer of the transfer money via the computer network in the transaction confirmation step, the account is obtained. The unique information about the first user 10 corresponding to the name or the unique description name is read from the account opener storage unit 22a, and the recipient of the transfer is made to correspond to the account name or the unique description name of the first user 10. Since it is stored in the first loan storage unit 24a provided in association with the first manager 12, for example, the first user 10 provides the Web provided by the first manager 12. For example, in order to download the trial online software on the page and obtain a password to unprotect the expiration date of the online software for continued use, the input field of the loan page script for ordering pasted on the relevant Web page It can be used for commercial transactions on the Web, such as typing in the "account name" of the "unique entry name" written in the account opener name column of the passbook 33.
[0073]
Further, in the transfer inquiry program according to the present embodiment, in the transaction confirmation step, the account name or unique description name of the second manager 15 who is the recipient of the transfer and the payment of the transfer money are made. When the account name or unique description name of the second user 14 who becomes a person is obtained, the unique information about the second user 14 corresponding to the account name or the unique description name is transmitted from the account opener storage unit 22a. Since it is read and stored in the second loan storage unit 24b provided in association with the second manager 15 who is the recipient of the transfer, corresponding to the account name or unique description name of the second user 14. (Step s84 to step s91), for example, it can be adopted for a commercial transaction concluded by a contract when the second user 14 purchases a product by mail transfer at a store managed by the second manager 15.
[0074]
Further, in the transfer inquiry program according to the present embodiment, in the transaction confirmation step, the transfer inquiry server 3 is used by the account opener from the payer of the transfer money (first and second users 10, 14) to the account opener. In response to the transfer to the account of the recipient of the transfer (first and second managers 12, 15), the account opener provides unique information about the first and second users 10 and 14. The first and second loans read from the storage unit 22a and provided in association with the first and second managers 12 and 15 corresponding to the account names or unique description names of the first and second users 10 and 14. Since it is stored in the storage units 24a and 24b, it can be used, for example, to conclude a commercial transaction by notifying the payment from the bank 5 without a contract.
[0075]
Further, in the transfer inquiry method according to the present embodiment, the transfer inquiry server 3 opens an account at the bank 5 or another bank 7 with respect to the bank 5 or another bank 7 via the computer network. Issue an account name of an e-mail address that identifies the first and second users 10,14, first and second managers12,15), and the account name of the passbook 33 issued by the bank 5 and other banks 7. The pseudo-account opener name, which is a combination of the account opener name shown in the person column and the account name, is used as the payer of the transfer money (first and second users 10, 14) in the account opener. Since the recipients of the transfer (12, 15 of the first and second managers) of the founder are notified, even if there is a payer with the same surname and the same name, the payer will be the payer from the account name of the pseudo-account opener. Bank 5, other banks 7, and first and second managers 12, 15 can easily obtain unique information about the payer constructed on the Internet network 1 by the above account name. Can be done.
[0076]
Further, in the transfer inquiry method according to the present embodiment, the account opener (No. 1) in which the transfer inquiry server 3 has opened an account at the bank 5 or another bank 7 in response to a registration request from the bank 5 or another bank 7. Prompt for input of unique information about 1st and 2nd users 10,14, 1st and 2nd managers12,15), and the transfer inquiry server 3 sends the account opener to the input of unique information about the account opener. The account name of the specified e-mail address is issued to the bank 5 or another bank 7, and the name of the account opener and the account shown in the account holder column of the passbook 33 issued by the bank 5 or the other bank 7. The pseudo-account opener name concatenated with the name is used as the payer of the transfer at the account opener (first and second users 10, 14) and the recipient of the transfer at the account opener (first and second users). (Ii) Since the managers 12, 15) are notified, even if there is a payer with the same surname and the same name, the payer can be easily identified from the account name of the pseudo-account opener, and the bank 5, etc. Bank 7 and the first and second managers 12 and 15 can easily obtain unique information about the payer constructed on the Internet network 1 by the account name.
[0077]
Further, in the transfer inquiry method according to the present embodiment, the account openers (first and second users 10, 14, first and second managers 12,) who have opened accounts at bank 5 and other banks 7. Issuing inquiry information (account name, pseudo-account opener name) that constitutes the account name of the e-mail address that identifies 15), and making the inquiry information correspond to the unique information about the account opener, bank 5 (other banks) When inquiry information is obtained from the first user 10 who is the payer of the transfer via the computer network and stores it in the account opener storage unit 22a (22b) in association with 7), the account opener storage unit The first loan provided in association with the first manager 12 who is the recipient of the transfer in correspondence with the inquiry information and the unique information about the account opener corresponding to the inquiry information stored in 22a (22b). When there is an inquiry request to store in the storage unit 24a and specify the first user 10 based on the inquiry information via the computer network, the first user corresponding to the inquiry information from the first loan storage unit 24a. Since the unique information about 10 is output, for example, the first user on the first user 12 provided Web page to which the loan page script for the order lent by the administrator 2 to the first manager 12 is pasted. In a commercial transaction on the Internet network 1 where a commercial transaction is established by entering the inquiry information written in the account opener name column of the bankbook 33 received by 10 from the bank 5 (other bank 7), the first manager 12 is the bank. The payer of the transfer money transferred from 5 (other bank 7) can be easily identified via the computer network.
[0078]
Further, in the transfer inquiry method according to the present embodiment, the account openers (first and second users 10, 14, first and second managers 12,) who have opened accounts at bank 5 and other banks 7. Issuing inquiry information (account name, pseudo-account opener name) that constitutes the account name of the e-mail address that identifies 15), and making the inquiry information correspond to the unique information about the account opener, said bank 5 (others). It is stored in the account opener storage unit 22a (22b) in association with the bank 7), and the transfer money is transferred to the 5 banks of the beneficiaries (first and second managers 12, 15) of the account opener. In response to the inquiry information, the unique information about the payer (first and second users 10, 14) of the transfer money in the account opener stored in the account opener storage unit 22a (22b) is corresponding to the inquiry information. It is stored in the first loan storage unit 24a provided in association with the first manager 12, and stored in the second loan storage unit 24b provided in association with the second manager 15, and is stored via the computer network. When there is an inquiry request to identify the payer based on the inquiry information, the first and second loan storage units 24a and 24b output the unique information about the payer corresponding to the inquiry information. For example, in the conclusion of a commercial transaction by notification of payment from bank 5 (other bank 7) that does not depend on the contract, the first and second managers 12 and 15 pay the transfer money transferred from bank 5 (other bank 7). A person can be easily identified via a computer network.
[0079]
Further, in the transfer inquiry method according to the present embodiment, the account openers (first and second users 10, 14, first and second managers 12,) who have opened accounts at bank 5 and other banks 7. Issuing inquiry information (account name, pseudo-account opener name) that constitutes the account name of the e-mail address that identifies 15), and making the inquiry information correspond to the unique information about the account opener, bank 5 (other banks) Inquiry information from the 1st and 2nd managers 12 and 15 who are the recipients of the transfer and stored in the account opener storage unit 22a (22b) in association with 7) And the inquiry information of the first and second users 10 and 14 who are the payers of the transfer money, the transfer money in the account opener stored in the account opener storage unit 22a (22b). The unique information about the payer is stored in the loan storage unit 24a (24b) provided in association with the payee in correspondence with the inquiry information, and the payer is identified based on the inquiry information via the computer network. When there is an inquiry request, the loan storage unit 24a (24b) outputs the unique information about the payer corresponding to the inquiry information. Therefore, for example, the first and second managers 12, 15 In the commercial transaction concluded by the contract when the first and second users 10 and 14 purchase the product by wire transfer at the store they manage, the first and second managers 12 and 15 are banks 5 (other banks 7). ) Can be easily identified via the computer network as the payer of the transfer.
[0080]
Further, in the transfer inquiry method according to the present embodiment, the account openers (first and second users 10, 14, first and second managers 12,) who have opened accounts at bank 5 and other banks 7. Issuing inquiry information (account name, pseudo-account opener name) that constitutes the account name of the e-mail address that identifies 15), and making the inquiry information correspond to the unique information about the account opener, bank 5 (other banks 7) ) Is stored in the account opener storage unit 22a (22b), and information about the account opener (first and second managers 12, 15) who will be the recipient of the transfer is stored in the third auxiliary storage unit 23. When the information about the recipient of the transfer is stored in the third auxiliary storage unit 23, the transfer is transferred to the bank 5 accounts of the first manager 12 (second manager 15). In response to the inquiry information, the unique information about the payer (first and second users 10, 14) of the transfer, which is stored in the account opener storage unit 22a, is made to correspond to the inquiry information, and the first manager 12 (second manager). The loan storage unit 24a (24b) is stored in the loan storage unit 24a (24b) provided in association with 15), and when there is an inquiry request to identify the payer based on the inquiry information via the computer network, the loan storage unit 24a (24b) Since the unique information about the payer corresponding to the inquiry information is output, for example, when the second user 14 purchases a product by wire transfer at a store managed by the second manager 15. In a commercial transaction, the second manager 15 can easily identify the payer of the transfer money transferred from the bank 5 (other bank 7) via the computer network.
[0081]
Further, in the transfer inquiry system according to the present embodiment, the first auxiliary storage unit 21 that stores unique information that identifies the bank 5 and the other bank 7 and the account that has an account at the bank 5 (the other bank 7) are opened. Inquiry information (account name) that constitutes unique information about the founder (first and second users 10, 14, first and second managers 12, 15) and the account name of the e-mail address that identifies the account opener. , Pseudo-account opener name) is associated with bank 5 (other bank 7) from the account opener storage unit 22a (22b) and the first user 10 who is the payer of the transfer via the computer network. When the inquiry information is obtained, the unique information about the account opener corresponding to the inquiry information stored in the account opener storage unit 22a (22b) is stored in correspondence with the inquiry information with the recipient of the transfer. From the first loan storage unit 24a provided in association with the first manager 12 and the first loan storage unit 24a when there is an inquiry request to identify the payer based on the inquiry information via the computer network. Since the control device 18 that outputs the unique information about the first user 10 corresponding to the inquiry information is provided, the first manager 12 is the bank 5 (other bank 7) in the commercial transaction on the Internet network 1. It is possible to provide a transfer inquiry system that can easily identify the payer of the transfer money transferred from the bank via a computer network.
[882]
Further, in the transfer inquiry system according to the present embodiment, the first auxiliary storage unit 21 that stores unique information that identifies the bank 5 and the other bank 7 and the account that has an account at the bank 5 (the other bank 7) are opened. Unique information about the founder (1st and 2nd users 10, 14, 1st and 2nd managers 12, 15) and inquiry information (account name) that constitutes the account name of the e-mail address that identifies the account opener. , Pseudo-account opener name) is associated with bank 5 (other banks 7) from the account opener storage unit 22a (22b) and the first and second managers 12, 15 who are the recipients of the transfer. When the inquiry information of the first and second managers 12 and 15 and the inquiry information of the first and second users 10 and 14 who are the payers of the transfer are obtained, the account opener storage unit 22a Recipient of the transfer that stores the unique information about the account opener corresponding to the inquiry information of the first and second users 10 and 14 who are the payers stored in (22b) in correspondence with the inquiry information. The first loan storage unit 24a (second loan storage unit 24b) provided in association with the first manager 12 (second manager 15) and the payer based on the inquiry information via the computer network. When there is an inquiry request to specify, the control device 18 that outputs the unique information about the payer in the account opener corresponding to the inquiry information from the first loan storage unit 24a (second loan storage unit 24b). In the commercial transaction concluded by the contract when the first and second users 10 and 14 purchase the product by wire transfer, the first and second managers 12 and 15 are the banks 5 (other banks). It is possible to provide a transfer inquiry system that can easily identify the payer of the transfer money transferred from 7) via a computer network.
[0083].
Further, in the transfer inquiry system according to the present embodiment, the first auxiliary storage unit 21 that stores the unique information that identifies the bank 5 and the other bank 7 and the account that has an account at the bank 5 (the other bank 7) are opened. Unique information about the founder (1st and 2nd users 10, 14, 1st and 2nd managers 12, 15) and inquiry information (account name) that constitutes the account name of the e-mail address that identifies the account opener. , Pseudo-account opener name) is associated with bank 5 (other banks 7) and is stored in the account opener storage unit 22a (22b) and the payee of the transfer (first and second managers 12) in the account opener. , 15), when the inquiry information of the recipient and the inquiry information of the payer (first and second users 10, 14) of the transfer in the account opener are obtained, the account opener memory unit 22a ( 22b) Stores the unique information about the account opener corresponding to the inquiry information of the first user 10 (second user 14) corresponding to the inquiry information. The loan storage units 24a and 24b provided in association with the second managers 12, 15) and the loan storage unit 24a when there is an inquiry request to identify the payer based on the inquiry information via the computer network. , 24b is equipped with a control device 18 that outputs the unique information about the first and second users 10 and 14 corresponding to the inquiry information, so that the bank 5 (other bank 7) does not depend on the contract. In the commercial transaction established by the transfer notification, the first and second managers 12 and 15 can easily identify the payer of the transfer money transferred from the bank 5 (other bank 7) via the computer network.ShakeA built-in query system can be provided.
[0084]
Further, in the transfer inquiry system according to the present embodiment, the first auxiliary storage unit 21 that stores unique information that identifies the bank 5 and the other bank 7 and the account that has an account at the bank 5 (the other bank 7) are opened. Unique information about the founder (1st and 2nd users 10, 14, 1st and 2nd managers 12, 15) and inquiry information (account name) that constitutes the account name of the e-mail address that identifies the account opener. , Pseudo-account opener name) is associated with bank 5 (other banks 7) and is stored in the account opener storage unit 22a (22b), and the first and second managers 12 and 15 who are the recipients of the transfer. Upon receiving the transfer of the transfer money to the account of the third auxiliary storage unit 23 that stores the information and the third auxiliary storage unit 23 that stores the information about the recipient of the transfer. The unique information about the payer of the transfer (first and second users 10, 14) in the account opener stored in the account opener storage unit 22a (22b) is stored in correspondence with the inquiry information. There was an inquiry request to identify the payer based on the inquiry information via the loan storage units 24a and 24b provided in association with the beneficiaries (first and second managers 12, 15) and the computer network. In some cases, the loan storage units 24a and 24b are provided with a control device 18 that outputs unique information about the first and second users 10 and 14 corresponding to the inquiry information, so that the first and second managers 12 In the commercial transactions when the first and second users 10 and 14 purchase products by wire transfer, etc. at the stores managed by, 15, the first and second managers 12, 15 are banks 5 (other banks 7). It is possible to provide a transfer inquiry system that can identify the payer of the transfer money transferred from the bank account via a computer network.
[0085]
Further, in the transfer inquiry server according to the present embodiment, an account is opened in the financial institution information database 27, which is configured to include unique information about the bank 5 and the other bank 7, and the bank 5 (the other bank 7). Unique information about the account opener (first and second users 10, 14, first and second managers 12, 15) and inquiry information (account) that constitutes the account name of the e-mail address that identifies the account opener. From the account opener information database 28 (29), which includes the name and pseudo account opener name), and the first and second users 10, 14 who are the payers of the transfer via the computer network. Includes unique information about the first and second users 10 and 14 who will be the payers of the transfer corresponding to the inquiry information read from the account opener information database 28 (29) when the inquiry information is obtained. The first manager 12 (second manager 15) and the first manager loan database 31 (second manager loan database 32), which are the recipients of the transfer, are constructed. When there is an inquiry request to identify the payer based on the inquiry information via the computer network, the inquiry information is converted from the first management loan database 31 (second management loan database 32). Since the unique information about the corresponding payer is read and output, in the commercial transaction on the Internet network 1, the first manager 12 selects the payer of the transfer money transferred from the bank 5 (other bank 7). Since it can be easily identified via the computer network and unique information about the payer built on the Internet network 1 can be downloaded, the data of the trading customer.BeYou can easily create a booth.
0083.
Further, in the transfer inquiry server according to the present embodiment, an account is opened in the financial institution information database 27, which is configured to include unique information about the bank 5 and the other bank 7, and the bank 5 (the other bank 7). Unique information about the account opener (first and second users 10, 14, first and second managers 12, 15) and inquiry information (account) that constitutes the account name of the e-mail address that identifies the account opener. From the account opener information database 28 (29), which includes the name and pseudo account opener name), and the first and second managers 12, 15 who are the recipients of the transfer, the first and second (Ii) When the inquiry information of the managers 12 and 15 and the inquiry information of the first and second users 10 and 14 who are the payers of the transfer are obtained, they are read from the account opener information database 28 (29). It is associated with the first and second managers 12 and 15 who are the recipients of the transfer, which are composed of unique information about the first and second users 10 and 14 who are the payers of the transfer. When the first management loan database 31 (second management loan database 32) is constructed and there is an inquiry request to identify the payer based on the inquiry information via the computer network, the first Since the unique information about the payer corresponding to the inquiry information is read from the management loan database 31 (second management loan database 32) and output, the first and second users 10 and 14 can use it. In the commercial transaction concluded by the contract when purchasing the product by mail order, the first and second managers 12 and 15 send the payer of the transfer money transferred from the bank 5 (other bank 7) via the computer network. Since it can be easily identified and unique information about the payer built on the Internet network 1 can be downloaded, the data of the trading customer.BeYou can easily create a booth.
[0087]
Further, in the transfer inquiry server according to the present embodiment, an account is opened in the financial institution information database 27, which is configured to include unique information about the bank 5 and the other bank 7, and the bank 5 (the other bank 7). Inquiry information (account name, pseudo) that constitutes unique information about (first and second users 10, 14, first and second managers 12, 15) and the account name of the e-mail address that identifies the account opener. From the account opener information database 28 (29), which includes the account opener name), and the recipients of the transfer money (first and second managers 12, 15) at the account opener, the first and second. When the inquiry information of the second managers 12 and 15 and the inquiry information of the payer of the transfer (first and second users 10, 14) in the account opener are obtained, the account opener information database 28 ( For the first manager associated with the beneficiary of the transfer, which is composed of unique information about the account opener corresponding to the inquiry information of the first and second users 10 and 14 read from 29). A loan database 31 (loan database 32 for the second manager) is constructed, and when there is an inquiry request to identify the payer based on the inquiry information via the computer network, the loan for the first manager is made. Since the unique information about the payer corresponding to the inquiry information is read from the database 31 (second management loan database 32) and output, the transfer from the bank 5 (other bank 7) that does not depend on the contract is made. In the commercial transaction established by the notification, the first and second managers 12 and 15 can easily identify the payer of the transfer money transferred from the bank 5 (other bank 7) via the computer network, and on the Internet network 1. You can download the unique information about the payer built in, so the trading customer's dataBeYou can easily create a booth.
[0088]
Further, in the transfer inquiry server according to the present embodiment, an account is opened in the financial institution information database 27, which is configured to include unique information about the bank 5 and the other bank 7, and the bank 5 (the other bank 7). Unique information about the account opener (first and second users 10, 14, first and second managers 12, 15) and inquiry information (account) that constitutes the account name of the e-mail address that identifies the account opener. The account opener information database 28 (29), which includes the name and pseudo-account opener name), and the information about the first and second managers 12, 15 who are the recipients of the transfer, are included. When information about the first and second managers 12 and 15 is recorded in the recipient information database 30 and the recipient information database 30, the above is to the account of the first and second managers 12 and 15. The first manager 12 (which is configured to include the unique information about the payer of the transfer in the account opener read from the account opener information database 28 (29) in response to the transfer. The first manager loan database 31 (second manager loan database 32) associated with the second manager 15) is constructed, and the payer is identified based on the inquiry information via the computer network. When there is an inquiry request, the unique information about the payer corresponding to the inquiry information is read from the first management loan database 31 (second management loan database 32) and output. In the commercial transaction when the first and second users 10 and 14 purchase products by mail order etc. at the stores managed by the first and second managers 12 and 15, the first and second managers 12 and 15 Can easily identify the payer of the transfer money transferred from the bank 5 (other bank 7) via the computer network, and can download the unique information about the payer built on the Internet network 1, so that the trading customer's dataBeYou can easily create a booth.
[089]
According to this embodiment, a transfer inquiry server 3 that combines a mail server and a data server is constructed, and a unique description name in which the name of the account opener and the account of the e-mail address are concatenated in the account holder name field of the passbook. Since the recipient of the transfer can know the email address of the payer from the unique description name in the transfer notification, online software and online electronic data (music, pictures, characters, videos, etc.) can be sent to the Web. Recipients selling above can easily send this information to the payer's email address.
[0090]
In addition, since the payer can know the inquiry information by the transfer notification even if the payer does not make the transfer completed notification to the transfer recipient, if the recipient accesses the transfer inquiry server 3 via the computer network, the above-mentioned Unique information such as the payer's name and address can be easily obtained from the inquiry information.
[0091]
Therefore, if there is a transfer notification from a financial institution, it can be immediately sent to the payer via the computer network for data products by inquiry information, and for delivery products that require transportation, it can be sent by inquiry information. Since unique information such as the payer's name and address can be easily obtained via the computer network, it can be quickly delivered to the payer.
[0092]
【Effect of the invention】
According to the present invention, an e-mail address for identifying an account opener who has opened an account at a financial institution indicated in the account opener name (account holder name) column of a bank transfer issued by a financial institution is configured. Inquiry information is issued, and based on the inquiry information, a transfer notification is sent from the financial institution, and the inquiry information is matched with the unique information such as the payer's name, address, account number, etc. at the account opener on the computer network. Since it is possible to provide a transfer inquiry program, a transfer inquiry method, a transfer inquiry system that employs the transfer inquiry method, and a transfer inquiry server, the payee of the transfer can easily identify and identify the payer of the transfer. At the same time, it is possible to smoothly ship the goods and easily create a database of information about the payer. In addition, since the payer of the transfer can quickly prove the grounds for the remittance, tangible and intangible products can be received without trouble, and the number of inquiries by the payer can be reduced at the financial institution, and the computer network can be used. It is possible to build a contact network with the account opener through.
[093]
Therefore, it can be said that the industrial applicability of the present invention is very high.
[Simple explanation of drawings]
FIG. 1
It is a block diagram of the computer network which adopted the transfer inquiry method which concerns on embodiment of this invention.
FIG. 2
It is a hardware configuration diagram of the transfer inquiry server shown in FIG.
FIG. 3
It is a data structure diagram of the financial institution information database stored in the 1st auxiliary storage part shown in FIG.
FIG. 4
It is a data structure diagram of the account opener information database stored in the 2nd auxiliary storage part shown in FIG.
FIG. 5
It is a data structure diagram of the recipient information database stored in the third auxiliary storage unit shown in FIG.
FIG. 6
It is a data structure diagram of the loan database for managers stored in the loan storage unit shown in FIG.
FIG. 7
It is a flowchart explaining the financial institution information registration program.
FIG. 8
It is a flowchart explaining the financial institution information registration program.
FIG. 9
It is a flowchart explaining the account opener information registration program of the transfer inquiry program.
FIG. 10
It is a flowchart explaining the account opener information registration program of the transfer inquiry program.
FIG. 11
It is a flowchart explaining the account opener information registration program of the transfer inquiry program.
FIG. 12
It is a flowchart explaining the account opener information registration program of the transfer inquiry program.
FIG. 13
It is a flowchart explaining the account opener information registration program of the transfer inquiry program.
FIG. 14
It is a flowchart explaining the account opener information registration program of the transfer inquiry program.
FIG. 15
It is a block diagram of the calculation part of the control device shown in FIG.
FIG. 16
It is a figure explaining the unique description name written in the passbook.
FIG. 17
It is a flowchart explaining the recipient information registration program.
FIG. 18
It is a flowchart explaining the recipient information registration program.
FIG. 19
It is a flowchart explaining the recipient information registration program.
FIG. 20.
It is a flowchart explaining the 1st transaction confirmation program of the transfer inquiry program.
FIG. 21.
It is a flowchart explaining the 2nd transaction confirmation program of the transfer inquiry program.
FIG. 22.
It is a flowchart explaining the transfer confirmation program of the transfer inquiry program.
FIG. 23.
It is a flowchart explaining the transfer confirmation program of the transfer inquiry program.
[Explanation of symbols]
1 Internet network
2 administrator
3 Transfer inquiry server
4 Computer terminal
5 banks
7 Other banks
10 First user
11 First personal computer
12 First manager
13 Second personal computer
14 Second user
15 Second manager
16 Telephone network
17 Mobile phone
18 Control device
18a Arithmetic unit
19 Program storage
20 Mail server section
21 First auxiliary storage
22 Second auxiliary storage
22a, 22b Account opener memory
23 Third auxiliary storage
24 Lending memory
24a First loan memory department
24b Second loan memory
27 Financial institution information database
28,29 Account opener information database
30 Recipient information database
31 First management loan database
32 Second management loan database
33 passbook

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