JP2004213577A - Electronic settlement method and electronic settlement system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an electronic settlement system which can offer settlement linkage service with purchase sites to customers of a banking institution without that the banking institution which does not hold settlement linkage function with the purchase sites such as shopping sites develops settlement linkage function individually with each purchase site. <P>SOLUTION: In this system, a banking institution a20 which holds Internet banking function 25 and does not hold settlement linkage function with shopping sites 10 and a banking institution b30 which holds settlement linkage function with the shopping sites 10 are connected through Internet banking function 25, the settlement processing of the purchase prices at the shopping site 10 by a customer of the banking institution a20 is performed by transferring of funds from an account 21 of the customer of the banking institution a20 to the banking institution b30 using the Internet banking function 25 of the banking institution a20 based on the purchase information succeeded from the banking institution b30. <P>COPYRIGHT: (C)2004,JPO&NCIPI

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to an electronic payment system that performs payment interlocking with a purchase site such as a shopping site in Internet banking, and particularly relates to a technology that is effective when applied to a payment process in a financial institution that is not directly linked to a purchase site such as a shopping site. About.
[0002]
[Prior art]
In an electronic payment system that performs shopping-linked payments using conventional Internet banking, customers decide products to purchase on a purchase site such as a shopping site or auction site on the Internet, and enter the product name / quantity, name, address, etc. After designating the transfer destination bank, which is a partner bank with the shopping site, as a means of payment, enter the user ID / password for logging in to the specified bank for Internet banking, and complete the payment process using the Internet banking fund transfer function. Was.
[0003]
In addition, with regard to the technology of the conventional electronic payment system, the payment method can be selected according to the price of the product, and the price of the purchased product can be reliably, quickly, and inexpensively collected. A virtual bank is set up on the network for the real bank that performs the settlement of funds, and funds are transferred between the virtual account of the user who purchased the product in the virtual bank and the virtual account of the store, and the In some cases, a real bank settles the price in accordance with an instruction for automatic transfer (for example, see Patent Document 1).
[0004]
[Patent Document 1]
JP-A-9-326002
[Problems to be solved by the invention]
However, in the conventional electronic payment system, since the payment method differs depending on the purchase site such as a shopping site or an auction site, in order to realize the payment interlocking function in Internet banking, it is individually linked with the purchase site such as a shopping site or an auction site. The function had to be developed.
[0006]
However, unlike large financial institutions, the number of shopping sites where small and medium-sized financial institutions implement the payment interlocking function is limited due to restrictions on allowable construction costs, and from the viewpoint of users, shopping sites and auctions are limited. When purchasing a product at a purchase site such as a site, it is troublesome to enter a different user ID / password for login to a different settlement bank every time the settlement means is different. If not, there is a problem that payment cannot be made.
[0007]
The present invention has been made in order to solve such a problem, and financial institutions that have an Internet banking function and do not have a payment interlocking function with a purchase site such as a shopping site or an auction site have been individually implemented. It is an object of the present invention to provide an electronic payment system capable of providing a payment interlocking service with a purchase site to a customer of the financial institution without individually developing a payment interlocking function with the purchase site.
[0008]
[Means for Solving the Problems]
The electronic settlement method according to the first invention has a first financial institution that has an Internet banking function, does not have a settlement interlocking function with a purchase site, and a second finance that has a settlement interlocking function with a purchase site. The institution is connected via the Internet banking function of the first financial institution, and the settlement processing of the purchase price at the purchase site of the customer of the first financial institution is performed based on the purchase information inherited from the second financial institution. , Using the Internet banking function of the first financial institution by transferring funds from the customer's account of the first financial institution to the second financial institution.
[0009]
The electronic payment system according to the second invention has an Internet banking function and is connected to a first financial institution which does not have a payment interlocking function with a purchase site via the Internet banking function of the first financial institution. And a second financial institution having a payment interlocking function with the purchase site, wherein the first financial institution performs the payment processing of the purchase price at the purchase site of the customer of the first financial institution with the second financial institution. Based on the purchase information taken over from the financial institution, the Internet banking function is used to transfer funds from the customer's account of the first financial institution to the second financial institution.
[0010]
An electronic settlement system according to a third invention is the electronic settlement system according to the second invention, wherein the second financial institution is designated as a means for settlement of a purchase price at a purchase site of a customer of the first financial institution. A customer of a financial institution inputs a user ID and password for Internet banking settlement of the first financial institution, and the user ID and password are transferred to the first financial institution together with purchase information.
[0011]
In the electronic settlement system according to a fourth invention, in the third invention, the second financial institution inputs a user ID and a password for Internet banking settlement of the first financial institution from a customer of the first financial institution. Then, the entered information is matched with the information of the customer of the first financial institution using the purchase site notified from the first financial institution, and the customer who has input the user ID and the password receives the first ID. When it is confirmed that the customer is a financial institution, the input user ID and password are transferred to the first financial institution together with the purchase information, and the first financial institution transmits the information inherited from the second financial institution. , The customer's account balance is queried in real time, and if there is an account balance equal to or more than the purchase price, the customer's account at the first financial institution is sent to the second financial institution. And performs the funds transfer.
[0012]
An electronic settlement system according to a fifth invention is the electronic settlement system according to the second, third, or fourth invention, wherein the transfer of funds from a customer account of the first financial institution to the second financial institution is performed by the first financial institution. By transferring funds from the customer's account to another account of the second financial institution used for inter-bank transactions provided at the first financial institution.
[0013]
BEST MODE FOR CARRYING OUT THE INVENTION
Referring to FIG. 1, an example of an electronic payment system according to an embodiment of the present invention will be described. FIG. 1 shows a configuration diagram of the electronic payment system.
[0014]
In FIG. 1, the electronic payment system has a shopping site 10, which is an example of a purchase site, and an Internet banking function, but does not realize a payment interlocking function with a purchase site, such as a shopping site or an auction site. The institution a) 20 includes a financial institution (financial institution b) 30 which already has a payment interlocking function with the purchase site.
[0015]
The financial institution a20 is used for transactions with the account 21 of the customer A41 who uses the shopping site 10, the account 22 of the customer B42 who uses the shopping site 10, the customer DB 23 in which data relating to the customer is stored, and the financial institution b30. (Another account) 24 of the financial institution b30 and Internet banking 25.
[0016]
The customer DB 23 also stores data (financial institution b providing service user data) 26 of the customer of the financial institution a20 who uses the service of the financial institution b30. It is also stored in the financial institution a user information DB 31.
[0017]
In addition, the customer A41 and the customer B42 of the financial institution a20 can access the shopping site 10, the financial institution a20, and the web site of the financial institution b30 by connecting to the Internet by a communication terminal such as a personal computer. , Data can be exchanged with each Web site.
[0018]
Note that the separate account 24 is an account used for transactions between banks, and an account between banks is preset in each financial institution. In this embodiment, the separate account 24 is It is used for fund transfer to institution b30.
[0019]
Next, the operation of the electronic payment system according to this embodiment will be described with reference to FIGS.
[0020]
FIG. 2 is a flowchart showing the operation of the electronic payment system, and shows the operation among the shopping site 10, the financial institution a20, and the financial institution b30.
[0021]
FIG. 3 is a diagram showing an example of data stored in the database. FIG. 3A shows an example of data stored in the financial institution a user information DB 31 provided in the financial institution b30. (B) is an example of data stored in the customer DB 23 provided in the financial institution a20.
[0022]
4 and 5 are diagrams showing screen transitions during operation of the electronic payment system. FIG. 4 shows screen transitions when the customer accesses the websites of the shopping site 10, the financial institution a20, and the financial institution b30. Is shown.
[0023]
First, an initial process for operating the electronic payment system will be described.
[0024]
First, a business alliance contract is established between a financial institution a20 that has an Internet banking function but does not realize a payment interlocking function with a shopping site or an auction site, and a financial institution b30 that already has a shopping interlocking payment function. To conclude.
[0025]
Then, the financial institution a20 prepares “financial institution b service” as an Internet banking service menu of its own website, and uses customer information of the financial institution a20 using the service as financial institution b providing service user data, and Notify institution b30.
[0026]
At this time, the user as the user of the financial institution b providing service is also notified of a settlement login user ID / password that is input when making a payment through the Internet banking of the financial institution a20.
[0027]
On the other hand, the financial institution b30 stores the “financial institution a user information DB 31” having the content as shown in FIG. 3A based on the financial institution b providing service user data notified from the financial institution a20. create. Based on the financial institution a user information DB 31, the financial institution b30 determines whether or not the customer is the financial institution a20 based on the user ID / password for settlement login input by the customer of the financial institution a20.
[0028]
Next, an operation in which the customer A41 of the financial institution a20 uses the shopping site 10 to make a payment using the account 21 of the financial institution a20 will be described.
[0029]
First, the customer A41 of the financial institution a20, which has been notified in advance as a user of the service of the financial institution b, accesses the Web site of the financial institution a20 and operates, for example, a screen as shown in FIG. Then, "financial institution b service" is selected (S100).
[0030]
Then, when transiting to the website of the financial institution b, the customer A41 operates a screen as shown in FIG. 4B, for example, and selects a service of the shopping site (S101).
[0031]
Then, when the purchase item is determined at the selected shopping site, the customer A41 selects the purchase item (S102) and inputs the quantity (S103). Then, after confirming the automatically calculated purchase price at the shopping site, for example, the user operates a screen as shown in FIG. 4C to select the financial institution b as the settlement means (S104).
[0032]
After the settlement means is selected, the screen transits to a settlement login screen of the financial institution b30 Web site as shown in FIG. 5D. On this screen, the customer A41 logs in when making a settlement using the financial institution a20 via Internet banking. A user ID and a password are input (S105).
[0033]
Normally, the customer A41 transmits both the user ID / password for logging in to the financial institution b30 for logging in to the financial institution b30 and the user ID / password for logging in to the financial institution a20 for actually performing settlement. In this embodiment, it is necessary to keep the log-in user ID / password input to the log-in screen of the financial institution b30 as a single user ID / password for log-in to the financial institution a20. Yes (single login).
[0034]
In addition, when the financial institution b30 is accessed as a “financial institution b service” from the Web site of the financial institution a20, for example, the URL of the access source is acquired. The financial institution b30 has an Internet banking function other than the financial institution a20, but does not have a payment interlocking function with a shopping site or an auction site. Even when a business tie-up agreement is concluded between them, it can be processed as a customer of the target financial institution.
[0035]
Then, in the financial institution b30, since the access is from the Web site of the financial institution a20, the customer A41 processes as a customer of the financial institution a20, and converts the user ID and password input in S105 into the financial institution a user information. By matching the data with the data stored in the DB 31, it is determined whether or not the customer A41 is a customer of the financial institution a20 (S106).
[0036]
Then, as a result of the matching in S106, when it is determined that the customer A41 is a customer of the financial institution a20, purchase information (product name / quantity / amount) at the shopping site 10, purchase site information, customer name, user ID / The password and the information of the transfer destination (financial institution b) are taken over by the financial institution a20, and if it is determined in S106 that the customer A41 is not a customer of the financial institution a20, the transaction is stopped.
[0037]
Then, the financial institution a20 matches the customer information and the like inherited from the financial institution b30 with, for example, its own customer DB as shown in FIG. 3B, and checks again whether the customer A41 is its own customer (S107). If it is determined in S107 that the customer is not its own customer, the transaction is canceled, and if it is determined in S107 that it is its own customer, the account balance inquiry of the customer A41 is performed in real time (S108).
[0038]
Then, as a result of the account balance inquiry in S108, it is determined whether or not the balance of the customer account is equal to or more than the purchase amount at the shopping site 10 (S109). In S109, the balance of the customer account is not equal to or more than the purchase amount at the shopping site. If it is determined that the transaction is stopped, the balance of the customer account is determined to be equal to or more than the purchase amount at the shopping site 10 in S109, for example, the Internet banking of the financial institution a20 as shown in FIG. 25, the payment contents are displayed on the Internet banking payment screen (S110).
[0039]
Then, for example, after confirming the display content as shown in FIG. 5E, the customer A41 performs a fund transfer process to the financial institution b30 by the Internet banking function. Through this processing, funds are transferred from the customer A account 21 in the financial institution a20 to the separate account 24 of the financial institution b in the financial institution a20 (S111).
[0040]
Then, after the fund transfer processing, the financial institution a20 separately transmits a fund transfer statement to the financial institution b30 as a financial institution b transfer statement (S112).
[0041]
Then, the financial institution b30 that has received the fund transfer statement notification sends the statement to the shopping site 10 after the matching (S113).
[0042]
Then, at the shopping site, after receiving the statement from the financial institution b30, for example, the settlement system which has previously contracted between the financial institution b30 and the shopping site 10 matches the sales statement of the financial institution b30, and A clearing operation is performed for each (S114), and the settlement process is completed.
[0043]
In this embodiment, the transfer of funds from the accounts 21 and 22 of the customer of the financial institution a20 to the financial institution b30 is performed using the special account 24 of the financial institution b30 in the financial institution a20. The method is not limited to this, and other funds transfer means may be used to transfer funds from the accounts 21 and 22 of the customer of the financial institution a20 to the financial institution b30.
[0044]
Further, in this embodiment, the shopping site 10 has been described as an example. However, the present invention is not limited to the shopping site, and users such as auction sites and other service providing sites purchase products and services, and the like. The present invention is applicable to any purchase site that can settle the price.
[0045]
【The invention's effect】
As described above, according to the present invention, the first financial institution that has the Internet banking function and does not have the payment interlocking function with the purchase site and the second financial institution that has the payment interlocking function with the purchase site The financial institution is connected via the first financial institution's Internet banking function, and the settlement processing of the purchase price at the purchase site of the customer of the first financial institution is performed based on the purchase information inherited from the second financial institution. Therefore, the first financial institution uses the Internet banking function of the first financial institution to transfer funds from the customer's account of the first financial institution to the second financial institution. This has the effect that a payment-linked service with the purchase site can be provided to the customer of the first financial institution without individually developing a payment-linked function with the purchase site.
[0046]
In addition, the second financial institution is expected to attract more customers from other financial institutions such as the first financial institution, and can expect a corresponding increase in commission income from the purchase amount of the purchase site.
[0047]
In addition, since the customer of the first financial institution, which is the user, can perform single login using the user ID / password for login of the Internet banking payment of the first financial institution to which he or she has subscribed, the other means as a payment means. Purchasing / payment at a shopping site designating a financial institution is possible, and at the time of payment, it is also possible to display customer information such as an address from a customer database of the first financial institution on a payment screen. , Address and the like can be omitted.
[Brief description of the drawings]
FIG. 1 is a configuration diagram of an electronic payment system according to an embodiment of the present invention.
FIG. 2 is a flowchart showing an operation of the electronic payment system according to one embodiment of the present invention.
FIG. 3 is a diagram showing an example of data stored in a database of the electronic payment system according to one embodiment of the present invention.
FIG. 4 is a diagram (part 1) illustrating a screen transition during operation of the electronic payment system according to the embodiment of the present invention.
FIG. 5 is a diagram (part 2) illustrating a screen transition during operation of the electronic payment system according to the embodiment of the present invention.
[Explanation of symbols]
Reference numeral 10: a shopping site, 20: a financial institution (financial institution a) which has an Internet banking function but does not realize a payment interlocking function with a purchase site such as a shopping site or an auction site, 21 ... an account of a customer A, 22 ... customer B account, 23 ... customer DB, 24 ... financial institution b account (extra account), 25 ... internet banking, 26 ... financial institution b service user data, 30 ... Financial institution (financial institution b), 31 ... User information DB of financial institution a, 41 ... Customer A of financial institution a, 42 ... Customer B of financial institution a.

Claims (5)

A first financial institution that has an Internet banking function and does not have a payment interlocking function with a purchase site and a second financial institution that has a payment interlocking function with the purchase site, The first financial institution is connected via the Internet banking function, and the first financial institution performs the payment processing of the purchase price at the purchase site of the customer based on the purchase information inherited from the second financial institution. An electronic settlement method, wherein the payment is performed by transferring funds from a customer's account of the first financial institution to the second financial institution using an Internet banking function of the institution. The first financial institution that has an Internet banking function and does not have a payment linking function with the purchase site,
A second financial institution connected via the Internet banking function of the first financial institution and having a payment interlocking function with the purchase site;
The first financial institution uses the Internet banking function on the basis of purchase information taken over from the second financial institution by performing a settlement process of a purchase price of a customer of the first financial institution at the purchase site. An electronic payment system wherein the payment is performed by transferring funds from a customer account of the first financial institution to the second financial institution. The electronic payment system according to claim 2,
When the second financial institution is designated as a means of settlement of the purchase price of the customer of the first financial institution at the purchase site, the customer of the first financial institution is notified of the first financial institution by the customer of the first financial institution. An electronic payment system, wherein a user ID and a password for Internet banking payment are input, and the user ID and password are transferred to the first financial institution together with purchase information. The electronic payment system according to claim 3,
When a user ID and a password for Internet banking payment of the first financial institution are input from a customer of the first financial institution, the second financial institution receives the input information and the first financial institution. By matching the information of the customer of the first financial institution using the purchase site notified by the institution, it is confirmed that the customer who has input the user ID and the password is the customer of the first financial institution. If successful, the input user ID and password are transferred to the first financial institution together with the purchase information,
The first financial institution confirms the customer based on the information taken over from the second financial institution, inquires the account balance of the customer in real time, and when there is an account balance equal to or more than the purchase price, An electronic payment system, wherein funds are transferred from a customer account of the first financial institution to the second financial institution. The electronic payment system according to claim 2, 3 or 4,
Transfers funds from the customer's account of the first financial institution to the second financial institution, from an account of the customer of the first financial institution to an inter-bank transaction provided in the first financial institution. An electronic settlement system, wherein the funds are transferred to a separate account of the second financial institution used in the second step.

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