JP4773819B2 - How to provide financial services - Google Patents

Description

  The present invention relates to a financial service providing method, and more particularly, to a financial service providing method and a computer program including a fund transfer service and a settlement service with money transfer.

  With the development of information processing and communication technology, sales of various products and provision of services have come to be provided online. In addition, there is a payment service that uses electronic money to pay for products or services or make a contract without cash. For example, financial institutions provide online (internet banking) services such as account opening, account information inquiry such as balance inquiry, and transfer / transfer such as funds transfer between accounts. In addition, electronic money is well known that manages addition, subtraction, and balance of electronic money in an IC card and / or a server of an electronic money management company.

  However, there is no service for cashing electronic money and transferring it to an account.

  In addition, there is no settlement service in which a part or all of the funds distributed in a plurality of accounts are transferred to one account and the price of goods and services is settled (hereinafter referred to as settlement). There is also no settlement service for cashing electronic money, transferring it to an account, and making a settlement.

  The present invention has been made in view of such a problem, and the purpose thereof is a service for cashing electronic money and transferring it to an account, a service for cashing electronic money and transferring it to an account for settlement, An object of the present invention is to provide a financial service providing method and a computer program including a service for transferring funds between accounts, or a service for transferring funds and transferring between accounts.

  In order to achieve the above object, the present invention is characterized in that the invention described in claim 1 is provided by a terminal connected to a network, a financial service providing server, and a source account management server that manages a source account for transferring funds. A financial service providing method for providing a financial service to the terminal, wherein the financial service providing server generates service identification information and generates status management information including the service identification information; and the service identification Transmitting information and service request information input form display instruction to the terminal; receiving the service identification information and service request information input form display instruction at the terminal; generating second status management information; Storing the service identification information; and service-related information. A service request including the service request information and the service identification information are transmitted to the financial service providing server, and the second status management information is updated, and the service request and the service identification information are received at the financial service providing server. Updating the status management information; sending a service request acceptance notification corresponding to the service request and the service identification information to the terminal; and at the terminal, the service request acceptance notification and the service identification information. And updating the second status management information, transmitting a transfer source reduction processing request including the transfer amount and the service identification information to the transfer source account management server, and the second status management information. And updating the source account management server Receiving the transfer source reduction processing request, reducing the transfer amount from the fund transfer source account, generating the transfer source reduction processing identification information using the service identification information, and the transfer source Transmitting the source reduction process result information including the reduction process identification information to the terminal; receiving the source reduction process result information at the terminal; and updating the second status management information; Transmitting a service process execution request including service identification information and the movement source reduction process result information to the financial service providing server, and updating the second status management information; and in the financial service providing server, the service identification Information and the service process execution request including the movement source reduction process result information, and the status Update the management information, and determine whether or not the movement source reduction process is correctly executed based on the movement source reduction process result information, and update the status management information and the movement source reduction process is executed correctly. The financial service providing method refers to the second status management information in the terminal when there is an incomplete process, and Transmitting to the financial service providing server an access request including the service identification information associated with an incomplete process and selection information indicating whether to continue, cancel, or hold the incomplete process; In the financial service providing server, according to the status management information and the selection information, A step of transmitting confirmation status information instructing to the terminal to the terminal, a step of executing a step corresponding to the confirmation status information among the steps in the financial service providing server, and the confirmation status information in the terminal And a step of executing the step indicated in (1).

  According to a second aspect of the present invention, the transfer source account management server according to the first aspect is a server that manages electronic money of a user of the terminal together with an IC card that communicates with the terminal. The providing method further includes the step of updating the electronic money balance in the memory of the IC card and updating the status management information in the terminal.

  According to a third aspect of the present invention, the service-related information according to the first or second aspect includes commodity identification information that is a settlement target, and the source reduction processing is correctly executed in the financial service providing server. When it is determined, the service including the settlement is executed.

  According to a fourth aspect of the present invention, there is provided finance for providing financial services to a terminal by a terminal connected to a network, a proxy server, a financial service providing server, and a source account management server for managing a source account for transferring funds. In the service providing method, the proxy server transfers the access request received from the terminal to the financial service providing server; the financial service providing server generates service identification information; Generating status management information including: transmitting the service identification information and service request information input form display instruction to the terminal; and receiving the service identification information and service request information input form display instruction at the proxy server And service Transmitting a request information input form to the terminal; generating second status management information; storing the service identification information; receiving a service request including service related information and the service identification information from the terminal Storing, transferring the service request and the service identification information to the financial service providing server, and updating the second status management information; and in the financial service providing server, the service request and the service Receiving the identification information and updating the status management information; transmitting a service request acceptance notification including the service related information and the service identification information corresponding to the service request to the proxy server; and In the proxy server, A service request reception notification and the service identification information are received and stored, the second status management information is updated, and the service request reception notification is transferred to the terminal; , Adding the service related information and transferring it to the source account management server, updating the second status management information, and at the source account management server, A step of receiving, a step of reducing the transfer amount from a fund transfer source account, a step of generating transfer source reduction process identification information using the service identification information, and a transfer source reduction including the transfer source reduction process identification information Transmitting processing result information to the terminal; and receiving the movement source reduction processing result information in the proxy server; Updating the status management information, storing the transfer source reduction processing result information, transferring the transfer source reduction processing result information to the terminal, and receiving the service processing execution request from the terminal The second status management information is updated, and the financial service providing server receives the service processing execution request including the service identification information and the movement source reduction processing result information, and the status A step of updating management information; a step of determining whether or not a movement source reduction process has been correctly executed according to the movement source reduction process result information; and a step of updating the status management information and a movement source reduction process being correctly executed. Performing the service when determined, the financial service providing method comprising: In the proxy server, referring to the second status management information, if there is an incomplete process, the service identification information associated with the incomplete process and the incomplete process are continued or stopped. Transmitting an access request including selection information indicating whether or not to hold to the financial service providing server, and in the financial service providing server, the status management information and the selection information in accordance with the step in the proxy server In the proxy server, the step of transmitting confirmation status information indicating any one of the steps to the proxy server, the step of executing the step corresponding to the confirmation status information among the steps in the financial service providing server, Instructed by the final status information Characterized in that it comprises the step of performing the steps.

  As described above, according to the present invention, a service for cashing electronic money and transferring it to an account, a service for cashing electronic money and moving to an account for settlement, a service for transferring funds between accounts, or between accounts It is possible to provide a financial service providing method and a computer program including a service for transferring funds and making a payment.

  The present invention provides a financial service providing method and a computer program including funds transfer or settlement involving funds transfer. In this specification, fund transfer refers to cashing electronic money and transferring it to a specific account, and transferring cash from one account to another account. Settlement means to settle the price for goods and services.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. In addition, the similar component in this specification is demonstrated using a similar code | symbol, and the overlapping description is abbreviate | omitted.

  FIG. 1 is a configuration diagram of a financial service providing system according to an embodiment of the present invention. The financial service providing system includes a mobile phone device 120, a personal computer (hereinafter referred to as a PC terminal) 130, a financial service providing server 160, and an electronic money management server 180, each connected to a network 190. Further, the financial service providing system can include a proxy server 170 connected to the network 190.

  The mobile phone terminal 120 includes an IC card 140, and displays a CPU 122, a memory such as a ROM 127, a RAM 124, and an EEPROM 123 connected to the CPU via a bus 129, an input unit 126 such as a keypad, and an image. A display unit 125, an IF 128 having a function of communicating with the IC card 140, and a communication unit 121 for communicating via a wireless network (not shown) and the network 190 are provided.

  The IC card 140 includes a CPU 144, a memory such as a ROM 141, a RAM 142, and an EEPROM 143 connected to the CPU via a bus 146, and a communication IF 145 having a function of communicating with the IF 128. In the memories such as the ROM 141, the RAM 142, and the EEPROM 143, various data including an electronic money balance and programs for reading, writing, and changing the data are stored. For example, the IC card 140 has a function of communicating with the mobile phone terminal 120 via the communication IF 145 and a function of communicating with a reader / writer installed in a store or the like. For example, when a product is purchased and settled, the price of the product can be paid with electronic money by holding the mobile phone terminal 120 containing the IC card 140 over a reader / writer installed in a store. In addition, what is described as the IC card 140 in the embodiment of the present invention is a so-called IC chip including a CPU, a memory, and the like, and if the electronic money can be managed, the shape needs to be a card shape in the present invention. For example, a ring shape may be used.

  The PC terminal 130 communicates with the CPU 132 through the bus 139 connected to the CPU 132 via a memory such as a ROM 137, a RAM 134, and an HDD 133, an input unit 136 such as a keyboard, a display unit 135 such as a display, and a network 190. And a communication unit 131. In addition, the PC terminal 130 includes a reader / writer (R / W) 138 for reading and changing data stored in the memory in the IC card 140.

  In the memories such as ROM 137, RAM 134, and HDD 133, application programs and IC cards for receiving provision of financial services including funds transfer or settlement with funds transfer by communicating with financial service providing server 160 and electronic money management server 180, etc. Application programs for controlling communication with the computer, and various data generated and changed by these application programs.

  The financial service providing server 160 communicates with the CPU 164 via a memory 190 such as a ROM 162 and a RAM 165 connected to the CPU via a bus 166, a database (DB) 161 stored in an HDD or the like, and a network 190. The communication part 163 is provided. In addition, the financial service providing server 160 includes an input unit such as a keyboard, a display unit such as a display, etc., not shown.

  In the memories such as the ROM 162 and the RAM 165, an application program for providing a financial service including funds transfer or settlement with money transfer and various data generated and changed by the application program are stored. The database (DB) 161 stores status information for managing the status of processing associated with the provision of financial services including funds transfer or settlement with funds transfer. The database (DB) 161 also stores a user identifier (hereinafter also referred to as a user ID) 1 for identifying a financial service user and a password (PWD) 1 for authenticating the user.

  The proxy server 170 communicates with the CPU 174 through a memory 190 such as a ROM 172 and a RAM 175, a database (DB) 171 stored in an HDD or the like, and a network 190 connected to the CPU 174 via a bus 176. Part 173. Further, the proxy server 170 includes an input unit such as a keyboard, a display unit such as a display, etc., not shown.

  The electronic money management server 180 communicates with the CPU 184 via a memory 190 such as a ROM 185 and a RAM 182, a database (DB) 181 stored in an HDD, and the network 190 connected to the CPU via the bus 186. The communication part 183 is provided. The electronic money management server 180 includes an input unit such as a keyboard, a display unit such as a display, etc., not shown. The electronic money management server manages the user's electronic money in cooperation with the IC card 140.

  The memories such as the ROM 185 and the RAM 182 store application programs necessary for managing electronic money and various data generated and changed by the application programs.

  The database (DB) 181 stores information such as the electronic money management number, addition, subtraction, balance, and addition / subtraction history of electronic money corresponding to the management number. The database (DB) 181 can also store a user ID 2 for identifying a user of electronic money and a password (PWD) 2 for authenticating the user.

[Embodiment 1]
2 to 5, the financial service providing server 160 provides a service for cashing the user's electronic money to a user who uses the mobile phone terminal 120 and moving it to a specific account designated by the user. An example to be provided will be described. The user's electronic money is managed by the IC card 140 and the electronic money management server 180 built in the mobile phone terminal 120 using the electronic money management information shown in FIG.

  Since the mobile phone terminal 120 communicates via a wireless network, the communication link with the financial service providing server 160 is likely to be disconnected. Alternatively, the processing for financial services is likely to be interrupted due to various reasons such as incoming calls or running out of battery. Therefore, in this embodiment, each of the mobile phone terminal 120 and the financial service providing server 160 generates status information about the status of the process accompanying the provision of the financial service, and uses this to manage the status of the process. Each of the mobile phone terminal 120 and the financial service providing server 160 performs status management of processing associated with the provision of the financial service, using the status management information shown in FIGS.

  Therefore, the memory such as the ROM 127, the RAM 124, and the EEPROM 123 of the mobile phone terminal 120 communicates with the financial service providing server 160 and the electronic money management server 180 to cash out the financial service (in this embodiment, the user's electronic money is cashed). An application program for receiving provision of a service for moving to a specific account designated by the user, an application program for controlling communication with the IC card, and various data generated and changed by these application programs are stored. .

  An application program for receiving provision of financial services from the mobile phone terminal 120 is read out by a plurality of subroutines or subroutines corresponding to the steps described below, and displayed on the display unit 125 of the mobile phone terminal 120, for example. And display data such as output form templates. An application program for receiving provision of financial services can be downloaded from the financial service providing server 160.

  The various data generated and changed by the application program of the mobile phone terminal 120 includes status management information for managing the status of processing for receiving provision of financial services.

  As a result, the application program of the mobile phone terminal 120 provides a function for presenting the presence of a process that has not been completed to the user, a means for notifying the user of the presence of a process that has not been completed, and a means for selecting whether to continue, hold, or cancel the process To the correct status when linked to the status management function of the financial service providing server 160 when the function for managing the status of the new process is selected when the hold is selected, and when the continuation or cancellation is selected. A status management function of processing in the mobile phone terminal 120 such as a function to be changed is realized.

  Each subroutine of the application program for receiving the financial service provided by the mobile phone terminal 120 is executed by referring to the status management information or by an instruction from the server side such as the financial service providing server 160 or the electronic money management server 180. Configured as follows. Each subroutine is configured to store input information input to the input form from the input unit 126 in the memory and to read the input information stored in the memory. For example, the input information is stored in association with the status management information management information. Thereby, the application program for receiving the provision of the financial service of the mobile phone terminal 120 is a mobile phone such as a function for holding or deleting information such as input information in each process in cooperation with the status management function or the screen guidance function. An input information holding function in the terminal 120 is realized.

  Further, the application program for receiving the provision of the financial service of the mobile phone terminal 120 realizes a screen guidance function in the mobile phone terminal 120 in cooperation with the status management function or the input information holding function.

  2, 3 and 4 are flowcharts showing the processes of the mobile phone terminal 120, the financial service providing server 160, and the electronic money management server 180, respectively, in this embodiment.

<Processing of mobile phone terminal 120>
With reference to FIG. 2, the process of the mobile phone terminal 120 will be described. When an application program for receiving provision of financial services is started in the cellular phone terminal 120, in step 202, the RAM 124 or the EEPROM 123 is scanned to check for the presence of status management information (S202). An example of status management information of the mobile phone terminal 120 in this embodiment is shown in FIG.

  If there is no status management information, the mobile phone terminal 120 transmits an access request to the financial service providing server 160 (S208). The access request includes user ID 1 and PWD 1.

  If the status management information exists, the mobile phone terminal 120 determines whether or not to continue the processing that has not been completed by an input from the user (S204). That is, the mobile phone terminal 120 presents to the user that there is a process that has not been completed, and prompts the user to input whether to continue the process.

  If it is determined that processing that has not been completed due to input from the user is not continued, the mobile phone terminal 120 determines whether to suspend or cancel processing that has not been completed based on input from the user (S205).

  If it is determined that processing that has not been completed due to input from the user is to be canceled, the mobile phone terminal 120 transmits an access request to the financial service providing server 160 in order to confirm whether or not the status management information can be cleared (S206). . The access request transmitted from the mobile phone terminal 120 to the financial service providing server 160 in step 206 includes the user ID 1 and PWD 1. The access request includes selection information including a session ID (for example, session ID ZZZZ) associated with a process that has not been completed and information indicating that the process that has not been completed is to be stopped.

  If it is determined that the process that has not been completed due to the input from the user is put on hold, the mobile phone terminal 120 transmits the access request to the financial service providing server 160 without changing the status management information corresponding to the process that has not been completed (S208). ). This access request includes a session ID (for example, session ID ZZZZ) associated with a process that has not been completed, information that indicates the status of a process that has not been completed, and information that indicates that a process that has not been completed is suspended. Contains selection information. For example, if the process associated with the session ID ZZZZ shown in FIG. 5A has not been completed, if it is determined that the process is suspended by an input from the user, the status management information associated with the session ID ZZZZ is suspended. .

  The cellular phone terminal 120 receives a service request information input form display instruction as a response to the access request from the financial service providing server 160 (S210). The response to the access request includes the session ID XXXXX generated by the financial service providing server 160.

  The mobile phone terminal 120 generates status management information, and stores the session ID XXXX included in the response to the access request (S212).

  In accordance with the service request information input form display instruction received from the financial service providing server 160, the mobile phone terminal 120 displays the service request information input form from the memory on the call display unit 125, thereby displaying the service request information input form to the user. The user is prompted to input service request information (S214). The service request information is sent to destination account information such as a destination account number (for example, AAA) and a destination account, which is a destination of funds (in this embodiment, a destination when cash is transferred from electronic money). Contains service-related information including the amount to be transferred.

  When the service related information is input, the mobile phone terminal 120 transmits a service request to the financial service providing server 160, and updates the status management information associated with the session ID XXXX (S216). The service request includes service related information and is accompanied by a session ID XXXX. In addition, the mobile phone terminal 120 stores service related information in a memory. As shown in FIG. 5A, a part or all of the service related information (input information) can be stored in the memory together with the status management information associated with the session IDXXXXXX. FIG. 5A shows an example in which the information is stored together with the status management information associated with the transfer destination account number (AAA) session ID XXXX as input information.

  The mobile phone terminal 120 receives the service request acceptance notification accompanied by the session ID XXXX from the financial service providing server 160, and updates the status management information associated with the session ID XXXX (S218). Service request acceptance notification includes destination account (number) information, amount to be cashed from electronic money (including the amount to be cashed and transferred to destination account after being cashed, fee, etc.) , And the address of the electronic money management server 180 that needs to be accessed for cashing from the electronic money. The mobile phone terminal 120 stores part or all of the information included in the service request acceptance notification in the memory.

  The mobile phone terminal 120 includes a session ID XXXX, an amount to be cashed from electronic money (amount of cash), an electronic money management number (for example, BBB), a user ID 2 for identifying an electronic money user, and an electronic money user. A source reduction processing request including PWD2 for authentication is transmitted to the electronic money management server 180, and the status management information is updated (S220). In addition, the mobile phone terminal 120 stores part or all of the information included in the movement source reduction processing request in the memory.

  The mobile phone terminal 120 updates the electronic money balance in the memory of the IC card 140 and updates the status management information (S222).

  The mobile phone terminal 120 receives the movement source reduction processing result information from the electronic money management server 180 and updates the status management information (S224). The migration source reduction process result information includes a migration source reduction result indicating whether or not the cashing amount indicated in the migration source reduction process request could be reduced, and migration source reduction process identification information. The movement source reduction process identification information will be described later. The mobile phone terminal 120 stores the movement source reduction result and the movement source reduction process identification information in the memory.

  The mobile phone terminal 120 transmits a service processing execution request with the session ID XXXX to the financial service providing server 160, and updates the status management information (S226). The service process execution request includes the transfer source reduction process result information received from the electronic money management server 180.

  The mobile phone terminal 120 receives the service process execution result from the financial service providing server 160 and updates the status management information (S228).

  The mobile phone terminal 120 clears the status management information (S230).

  If it is determined in step 204 that processing that has not been completed due to input from the user is continued, the mobile phone terminal 120 refers to the status management information and transmits an access request to the financial service providing server 160 (S232). This access request includes user ID 1 and PWD 1. In addition, in this access request, selection information including information indicating the status of the process that has not been completed, the session ID associated with the process to be continued (for example, session ID ZZZZ), and the status of the process that has not been completed. included. As a result, for example, a service request acceptance notification has not been received for the process associated with the session ID ZZZZ, and the fact that the process is continued is transmitted to the financial service providing server 160.

  The mobile phone terminal 120 receives the confirmed status information from the financial service providing server 160 or receives an instruction to clear the status management information (S233).

  The confirmed status information is information for instructing the next process in the mobile phone terminal 120 by matching the statuses of the processes managed by the mobile phone terminal 120 and the financial service providing server 160, respectively. For example, the confirmed status information includes instructions to the mobile phone terminal 120 such as transmission of a service request, reception of a service request reception notification, transmission of a service processing execution request. The instruction to clear the status management information is an instruction to clear the status management information of the mobile phone terminal 120, and there is a large mismatch between the statuses of the processes managed by the mobile phone terminal 120 and the financial service providing server 160. Are transmitted from the financial service providing server 160 to the mobile phone terminal 120 when it is determined by the financial service providing server 160 that it is difficult to match the two.

  When receiving an instruction to clear the status management information (S234), the mobile phone terminal 120 clears the status management information (S230).

  When the mobile phone terminal 120 receives the confirmed status information (S234), it performs the instructed process. When the confirmed status information is an instruction to send a service request (S236), the mobile phone terminal 120 sends a service request to the financial service providing server 160 (S216). More specifically, part or all of the service related information (input information) is read from the memory, and transmitted to the financial service providing server 160 in the service request.

  When the confirmed status information is an instruction to receive a service request acceptance notification (S238), the mobile phone terminal 120 receives the service request acceptance notification transmitted from the financial service providing server 160 (S218).

  When the confirmed status information is an instruction to send a movement source reduction process request (S240), the mobile phone terminal 120 sends a movement source reduction process request to the electronic money management server 180 (S220). A part or all of the movement source reduction processing request is read from the memory.

  When the confirmed status information is an instruction to transmit a service process execution request (S242), the mobile phone terminal 120 transmits a service process execution request to the financial service providing server 160 (S226). The service process execution request includes the movement source reduction process identification information read from the memory. In addition, when there is a change in the destination account information or the like, the input destination account information or the like can be corrected. As a result, electronic money can be returned.

  When the confirmed status information is an instruction to receive the service processing execution result (S244), the mobile phone terminal 120 receives the service request processing execution result transmitted from the financial service providing server 160 (S228).

  If the mobile phone terminal 120 determines in step 204 that the process associated with the session ID ZZZZZ shown in FIG. 5A has not been completed and determines in step 205 that the process is to be stopped by an input from the user, In 206, a financial service provides an access request including selection information including user ID 1, PWD 1, canceling an uncompleted process, session ID ZZZZ associated with the canceled process, and information indicating the status of the uncompleted process. After transmitting to the server 160 and receiving an instruction to clear the status management information from the financial service providing server 160 in step 233, the status management information associated with the session IDZZZZZ is cleared.

<Processing of Electronic Money Management Server 180>
Next, processing of the electronic money management server 180 will be described with reference to FIG. The electronic money management server 180 authenticates the session ID XXXX, the cashed amount, the electronic money management number, the user ID 2 for identifying the electronic money user, and the electronic money user transmitted by the mobile phone terminal 120 in step 220. A source reduction processing request including the PWD2 is received (S402).

  If the user of electronic money can be authenticated using the received user ID 2 and PWD 2, the electronic money management server 180 determines whether or not the transfer source reduction process associated with the session ID XXXX has already been performed (S 403). For example, the electronic money management server 180 can make the determination by providing a table or database for managing the session IDXXXX and the processing status associated therewith.

  If it is determined that the transfer source deduction processing has not yet been performed, the electronic money management server 180 moves from the electronic money identified by the management number (BBB) associated with the user ID 2 shown in FIG. A transfer source reduction process is executed to reduce the cash amount indicated in the original reduction process request (S404).

  When the electronic money management server 180 is able to correctly execute the transfer source reduction process, that is, the electronic money balance before the transfer source reduction process is larger than the amount that is cashed from the electronic money indicated in the transfer source reduction process request. If the electronic money balance after the transfer source reduction process is 0 or more, the transfer source reduction process identification information is generated (S406). The movement source reduction process identification information is used to indicate to the financial service providing server 160 whether or not the movement source reduction process has been correctly executed in the process of a series of services. For example, the received movement source reduction process is received. The session ID XXXX included in the request may be a value F (XXXX) generated by encrypting with a cryptographic key known only by the financial service providing server 160 and the electronic money management server 180. In generating the movement source reduction processing identification information, the result of step 222 in the mobile phone terminal 120 can be considered. That is, the electronic money management server 180 receives from the mobile phone terminal 120 information indicating whether or not the electronic money balance in the memory of the IC card 140 has been updated, and the electronic money balance in the memory of the IC card 140. Can be updated correctly and the electronic money management server 180 can generate the transfer source reduction process identification information when the transfer source reduction process in the electronic money management server 180 can be executed correctly.

  The electronic money management server 180 transmits to the mobile phone terminal 120 the movement source reduction result indicating that the reduction was possible and the movement source reduction process result information including the movement source reduction process identification information (S408).

  If it is determined in step 403 that the migration source reduction process has already been performed, the electronic money management server 180 transmits the migration source reduction process result information regarding the migration source reduction process that has already been performed to the mobile phone terminal 120 (S408). ).

<Processing of Financial Service Providing Server 160>
Next, processing of the financial service providing server 160 will be described with reference to FIG. The financial service providing server 160 receives an access request including the user ID 1 and PWD 1 from the mobile phone terminal 120 (S 302), and authenticates the user using the received user ID 1 and PWD 1 (S 304).

  If the user can be authenticated, the financial service providing server 160 scans the database 161 and determines whether there is status management information associated with the user ID 1 (S306).

  If it is determined that the status management information does not exist, the financial service providing server 160 generates a session ID XXXX and generates status management information for managing processing associated with the session ID XXXX (S308). FIG. 5B shows the status management information associated with the session ID XXXX and the session ID ZZZZ. In this embodiment, the session is used as service identification information for associating and identifying a series of processes related to the financial service provided by the financial service providing server. ID (XXXX, ZZZZZ) is used. The service identification information only needs to be able to identify a plurality of services provided by the financial service providing server. For example, the service identification information may be a unique service reception number in the financial service.

  The financial service providing server 160 transmits a service request information input form display instruction to the mobile phone terminal 120 as a response to the access request (S310). The response to the access request includes a session ID XXXX.

  The financial service providing server 160 receives the service request accompanied by the session ID XXXX from the mobile phone terminal 120, and updates the status management information (S312). The service request includes destination account information such as a destination account number that is a destination of funds (in this embodiment, a destination for cashing and transferring from electronic money), and an amount transferred to the destination account. Contains service related information.

  The financial service providing server 160 transmits a service request acceptance notification to the mobile phone terminal 120 and updates the status management information (S314). Service request acceptance notification includes destination account (number) information, amount to be cashed from electronic money (including the amount to be cashed and transferred to destination account after being cashed, fee, etc.) And the address of the electronic money management server 180 that needs to be accessed for cashing from electronic money. The address of the electronic money management server 180 may be stored in advance in the memory of the mobile phone terminal 120 together with an application program for receiving provision of financial services.

  The financial service providing server 160 receives the service processing execution request accompanied by the session ID XXXX from the mobile phone terminal 120, and updates the status management information (S316). The service process execution request includes movement source reduction process result information including a movement source reduction result and movement source reduction process identification information.

  The financial service providing server 160 determines whether or not the migration source reduction process has been correctly executed using the migration source reduction result and the migration source reduction process identification information included in the received migration source reduction process result information (S318). For example, according to the above-described example described in relation to the processing of the electronic money management server 180, the financial service providing server 160 uses the received movement source reduction processing identification information (F (XXXX)) as the financial service providing server 160 and the electronic service management server 160. By determining whether or not the result of decryption using the encryption key known only by the money management server 180 matches the session ID XXXX, it is possible to determine whether or not the transfer source reduction process has been executed correctly.

  If the financial service providing server 160 determines that the movement source reduction process has not been executed correctly, the financial service providing server 160 transmits an instruction to transmit the movement source reduction process request to the mobile phone terminal 120 (S319).

  When the financial service providing server 160 determines that the transfer source reduction process has been executed correctly, the service process, that is, the transfer (transfer / transfer) of the amount cashed from the electronic money received in step 312 to the transfer destination account number is performed. Instruct the transfer or transfer system (not shown) to transfer the amount of money, and update the status management information (S320). FIG. 5D shows information of the destination account after the service process is executed. FIG. 5D shows that the electronic money equivalent to 10,000 yen is cashed out of the electronic money identified by the management number BBB in FIG. 5C, and the balance of the account with the account number AAA starts from 20,000 yen. It shows the state of 30,000 yen. In this example, the fee is not considered.

  The financial service providing server 160 transmits the service processing execution result accompanied by the session ID XXXX to the mobile phone terminal 120 and updates the status management information (S322). The service process execution result indicates the execution result of the service process. The service process execution result indicates whether the service process has been executed correctly.

  The financial service providing server 160 clears the status management information associated with the session ID XXXX in the database 161 (S324).

  If it is determined in step 306 that the status management information associated with the user ID 1 exists, the financial service providing server 160 suspends the processing that has not been completed according to the selection information included in the access request received in step 302. It is determined whether to continue or cancel (S330).

  In order to hold a status management information corresponding to a session ID associated with a process that has not been completed when it is determined to hold a process that has not been completed, and to manage a series of processes related to a newly started service, A new session ID is generated, and new status management information for managing a process associated with the newly generated session ID is generated (S308).

  If it is determined in step 330 that processing that has not been completed is to be continued or canceled, the status of the processing to be continued or stopped in the financial service providing server 160 is confirmed (S336). More specifically, the financial service providing server 160 identifies the session ID associated with the continued process from the received selection information, and confirms the status of the continued process from the status management information associated with the identified session ID. .

  The financial service providing server 160 determines whether there is a discrepancy between the status in the financial service providing server 160 and the status in the mobile phone terminal 120 for the process to be continued or canceled (S338). More specifically, the financial service providing server 160, regarding the process to be continued or stopped, information indicating the status of the confirmed process in the financial service providing server 160 and the status of the process for which selection information has not been completed, that is, continue or stop. The status of the process in the mobile phone terminal 120 identified from the information indicating the status of the process to be performed is compared.

  For example, the processing status in the mobile phone terminal 120 is a service request transmitted and the service request acceptance notification is not received, and the processing status in the financial service providing server 160 is a service request received, a service request acceptance notification transmitted, and a service If the processing execution request has not been received, it is determined that the processing statuses in the mobile phone terminal 120 and the financial service providing server 160 are inconsistent but can be adjusted. That is, as will be described later, in this example, if the financial service providing server 160 instructs the mobile phone terminal 120 to receive a service request acceptance notification and (re) transmits the service request acceptance notification, it is associated with the session ID. Processing can be continued.

  Also, for example, the processing status in the mobile phone terminal 120 has been transmitted as a service processing execution request and the service processing execution result has not been received, and the processing status in the financial service providing server 160 has been received as a service request and transmitted a service request acceptance notification. If the service processing execution request has not been received, it is determined that the processing statuses of the mobile phone terminal 120 and the financial service providing server 160 are inconsistent and cannot be adjusted. That is, when there is a large difference between the statuses of the processes managed by the mobile phone terminal 120 and the financial service providing server 160 and it is difficult to match the statuses, the financial service providing server 160 determines that they do not match. The method of determining whether or not the processing statuses of the mobile phone terminal 120 and the financial service providing server 160 match is changed according to the number and type of status managed in the mobile phone terminal 120 and the financial service providing server 160, respectively. can do. For example, the financial service providing server 160 may be provided with a table that determines the determination result or the confirmed status information when the statuses of the mobile phone terminal 120 and the financial service providing server 160 are determined.

  If it is determined that the processing statuses of the mobile phone terminal 120 and the financial service providing server 160 are inconsistent and cannot be adjusted, the financial service providing server 160 transmits an instruction to clear the status management information to the mobile phone terminal 120 (S340). .

  When it is determined that the processing statuses of the cellular phone terminal 120 and the financial service providing server 160 match or do not match but can be adjusted, the financial service providing server 160 continues or does not complete the processing that has not been completed. It is further determined whether to stop the process (S339). More specifically, if the selection information indicates that processing that has not been completed is to be continued, the financial service providing server 160 determines to continue processing that has not been completed. In addition, when the selection information indicates that the uncompleted process is to be canceled, for example, information indicating the status of the uncompleted process included in the selection information received from the mobile phone terminal 120 and / or financial With reference to the status management information of the service providing server 160, it is determined whether to stop or continue the processing that has not been completed. For example, when it is determined that the transfer source reduction process has been completed, it is determined that the process that has not been completed is continued without being stopped.

  If it is determined that processing that has not been completed is to be canceled, the financial service providing server 160 transmits an instruction to clear the status management information to the mobile phone terminal 120 (S340).

  If it is determined that processing that has not been completed is to be continued, the financial service providing server 160 transmits confirmed status information to the mobile phone terminal 120 (S342).

  When the transmitted confirmed status information is an instruction to transmit a service request (S344), the financial service providing server 160 receives a service request from the mobile phone terminal 120 (S312).

  When the transmitted confirmed status information is an instruction to receive a service request acceptance notification (S346), the financial service providing server 160 transmits a service request acceptance notification to the mobile phone terminal 120 (S314).

  When the transmitted confirmed status information is an instruction to transmit a movement source reduction process request or an instruction to transmit a service process execution request (S348), the financial service providing server 160 receives a service process execution request from the mobile phone terminal 120 ( S316).

  When the transmitted confirmed status information is an instruction to receive the service process execution result (S350), the financial service providing server 160 transmits the service request process execution result to the mobile phone terminal 120 (S322).

  In this embodiment, the example in which the financial service providing server 160 provides the financial service to the user who uses the mobile phone terminal 120 has been described, but the service can be similarly provided to the PC terminal 130.

[Embodiment 2]
Next, as a modification of the first embodiment, the financial service providing server 160 sends funds from a user account (transfer source account) to a specific account (transfer destination account) for a user who uses the mobile phone terminal 120. An example of providing a movement (transfer / transfer) service will be described only for features different from the first embodiment. The transfer source account and the transfer destination account are accounts for handling cash. Therefore, in this embodiment, the electronic money management server 180 in FIG. 1 is a migration source account management server that manages the migration source account.

  Further, in the present embodiment, since electronic money is not handled, the step of updating the electronic money balance in the memory of the IC card 140 and updating the status management information (S224) in the mobile phone terminal 120 is omitted.

  In step 310, the financial service providing server 160 transmits a service request information input form display instruction to the mobile phone terminal 120 as a response to the access request. In the present embodiment, the service request information includes service-related information such as transfer amount, transfer source account (number) information, and transfer destination account (number) information.

  In step 214, the cellular phone terminal 120 prompts the user to input service request information by presenting a service request information input form to the user in accordance with an instruction from the financial service providing server 160.

  When the service-related information is input, the mobile phone terminal 120 transmits a service request including service-related information such as the transfer amount, the transfer source account information, and the transfer destination account information to the financial service providing server 160 to manage the status. Information is updated (S216). The service request is accompanied by a session ID XXXX.

  The financial service providing server 160 receives a service request accompanied by the session ID XXXX from the mobile phone terminal 120, updates the status management information (S312), and transmits a service request acceptance notification to the mobile phone terminal 120 (S314). Amount related to money transfer (amount transferred, fee, etc.), transfer information including transfer destination account information, and transfer source account management server that needs to be accessed to reduce the transfer amount from the transfer source account Address and so on.

[Embodiment 3]
Next, as another modification of the first embodiment, the financial service providing server 160 provides a settlement service with funds transfer to the user using the mobile phone terminal 120 (transfers funds and settles with the transferred funds). An example of providing a service to be performed) will be described only for features different from the first embodiment. The financial service providing server 160 of the present embodiment cashes the user's electronic money to a user who uses the mobile phone terminal 120 and moves it to an account for settlement designated by the user, and settles in the account Provide payment services.

  In step 310, the financial service providing server 160 transmits a service request information input form display instruction to the mobile phone terminal 120 as a response to the access request. In the present embodiment, the service request information includes product identification information to be settled, transfer amount (including settlement amount, fee, etc.), management (number) information of source electronic money, and destination account (number) information. Service related information such as

  In step 214, the mobile phone terminal 120 presents a service request information input form to the user according to an instruction from the financial service providing server 160 and prompts the user to input service request information.

  When the service related information is input, the mobile phone terminal 120 sends the service related information including product identification information, transfer amount, transfer source account (number) information, transfer destination account (number) information, etc. to the financial service providing server 160. And status management information is updated (S216). The service request is accompanied by a session ID XXXX.

  The financial service providing server 160 receives a service request accompanied by the session ID XXXX from the mobile phone terminal 120, updates the status management information (S312), and transmits a service request acceptance notification to the mobile phone terminal 120 (S314). The service request acceptance notification includes the destination account (number) information, the amount to be cashed from electronic money (the amount to be cashed, and the settlement amount and fee that will be transferred to the destination account after being cashed) And the address of the electronic money management server 180 that needs to be accessed for cashing from the electronic money.

  If the financial service providing server 160 determines that the transfer source reduction process has been executed correctly, the service process is executed, that is, the amount obtained by subtracting the fee from the cashed amount received in S312 is transferred to the transfer destination account (transfer / transfer). Alternatively, the transfer of the amount is instructed to a transfer / transfer system (not shown), and further, the settlement in the destination account or the settlement in the destination account is instructed to the settlement system (not shown) (S320).

  According to these embodiments, even if the process for the financial service is interrupted by a terminal such as the mobile phone terminal 120 or the PC terminal 130, the interrupted process can be continued, accompanied by the transfer of funds. A financial service providing method including settlement and a computer program can be provided.

  In addition, it is possible to provide a financial service providing method and a computer program including funds transfer or settlement with money transfer that can prevent reception of duplicate service requests from the mobile phone terminal 120, the PC terminal 130, and the like.

[Embodiment 4]
Referring to FIGS. 2, 6 to 9, financial service providing server 160 transfers funds from the user's account (transfer source account) to a specific account (transfer destination account) for the user using PC terminal 130. A description will be given of an example of providing a settlement service for performing (transfer / transfer) and settlement from the specific account. The transfer source account and the transfer destination account are accounts for handling cash.

  In the present embodiment, communication between the PC terminal 130 and the financial service providing server 160 is performed via the proxy server 170 connected to the network 190.

  In the present embodiment, as in the first to third embodiments, each of the financial service providing servers 160 generates status information about the status of processing associated with the provision of financial services, and performs financial service processing. However, the PC terminal 130 does not generate status information about the status of processing associated with the provision of financial services, but generates status information in the proxy server.

  The memory such as ROM 172 and RAM 175 of the proxy server 170 communicates with the PC terminal 130, the financial service providing server 160, and the transfer source account management server to receive financial services including funds transfer or payment with funds transfer. And various data generated and changed by the proxy program are stored.

  The proxy program includes, for example, display data such as a plurality of subroutines corresponding to the steps described below and input forms read out by the subroutine and transmitted to the PC terminal 130. The input form transmitted to the PC terminal 130 can be described in HTML format, for example. However, display data such as an input form transmitted to the PC terminal 130 may be generated at a timing when the proxy program transmits to the PC terminal 130.

  The various data generated and changed by the proxy program includes status information for managing the status of processing for receiving provision of financial services including funds transfer or settlement with funds transfer.

  As a result, the proxy program of the proxy server 170 gives the user a function of presenting the user with the presence of a process that has not been completed, continuation of the process that has not been completed, hold, and cancel. In this case, a status management function for the process is realized in place of the PC terminal 130, such as a function for managing the status of a new process in the case of a new process and a function for changing to a correct status in cooperation with the status management function of the financial service providing server 160.

  Each subroutine of the proxy program of the proxy server 170 is configured to be executed by referring to status information or by an instruction from the server side such as the financial service providing server 160 or the transfer source account management server. In addition, each subroutine stores input information input to the input form from the input unit 136 of the PC terminal and transmitted to the proxy server 170 in the memory of the proxy server 170, and reads input information stored in the memory. It is configured to be able to. For example, the input information is stored in association with the status information management information. Thereby, the application program of the mobile phone terminal 120 realizes an input information holding function for the PC terminal 130 such as a function of holding or deleting information such as input information in each process in cooperation with the status management function or the screen guidance function. To do.

  Further, the proxy program of the proxy server 170 realizes a screen guidance function for the PC terminal 130 in cooperation with the status management function or the input information holding function.

  In the present embodiment, since electronic money is not handled, the PC terminal 130 does not involve a process of updating the electronic money balance in the memory of the IC card 140.

  Therefore, in the memory such as the ROM 137, the RAM 134, and the HDD 133 of the PC terminal 130 according to the present embodiment, for example, HTML format input forms, documents, and the like transmitted from the proxy server are received as application programs for receiving provision of financial services. A program such as a browser having a display function is stored.

In the present embodiment, the electronic money management server 180 in FIG. 1 serves as a migration source account management server that manages a migration source account, and communication between the PC terminal 130 and the migration source account management server is also performed via a proxy server. Is called.
<Processing of PC terminal 130>
First, the processing of the PC terminal 130 will be described with reference to FIG. In the PC terminal 130, for example, an application program such as a browser is activated and an access request is transmitted to the proxy server 170 (S608). The access request includes user ID 1 and PWD 1.

  The PC terminal 130 receives the service request information input form as a response to the access request from the financial service providing server 160 (S610). The response to the access request includes the session ID XXXXX generated by the financial service providing server 160. The PC terminal 130 stores the session ID XXXX included in the response to the access request in a memory such as the HDD 133 or the RAM 134.

  The PC terminal 130 presents the service request information input form received from the financial service providing server 160 to the user and prompts the user to input service request information (S614). The service request information includes service-related information such as product identification information to be settled, settlement amount, source account information, destination account information.

  When the service related information is input, the PC terminal 130 transmits a service request to the proxy server 170 (S616). The service request includes service request information and is accompanied by a session ID XXXX.

  The PC terminal 130 receives a service request acceptance notification accompanied by the session ID XXXX from the proxy server 170 (S618). The service request acceptance notification includes transfer information (including payment amount and fee), transfer destination account (number AAA) information, transfer information including transfer source account (number BBB) information, and the like.

  The PC terminal 130 transmits to the proxy server 170 a transfer source reduction process request including the session ID XXXX, the transfer information, the user ID 2 for identifying the user of the transfer source account, and the PWD 2 for authenticating the user (S620).

  The PC terminal 130 receives the movement source reduction processing result information from the proxy server 170 (S622). The migration source reduction processing result information includes a migration source reduction result indicating whether or not the migration amount indicated in the migration source reduction processing request could be reduced.

  The PC terminal 130 transmits a service process execution request accompanied by the session ID XXXX to the proxy server 170 (S626).

  The PC terminal 130 receives the service process execution result from the proxy server 170 (S628).

<Processing of migration source account management server>
Next, with reference to FIG. 8, the processing of the transfer source account management server will be described. The source account management server stores the session ID XXXX transferred by the proxy server 170, the transfer amount (including the settlement amount and fee), the transfer information including the transfer source account information, and the transfer destination account information, and the user of the transfer source account. The moving source reduction processing instruction including the user ID 2 to be identified and the PWD 2 for authenticating the user is received (S802).

  If the transfer source account management server can authenticate the user of the transfer source account using the received user ID 2 and PWD 2, the transfer source account management server determines whether the transfer source reduction process associated with the session ID XXXX has already been performed. Is determined (S803). For example, the transfer source account management server can be determined by providing a table or database for managing the session ID XXXX and the process status associated therewith.

  If it is determined that the transfer source deduction processing has not yet been performed, the transfer source account management server determines that the transfer source is from the account identified by the account number (BBB) associated with the user ID 2 shown in FIG. The transfer source reduction process for reducing the transfer amount indicated in the reduction process instruction is executed (S804). FIG.9 (c) shows the account information of a movement origin, and shows a mode that the movement origin reduction process was performed and 10,000 yen was reduced from the movement origin account. In this example, the fee is not considered.

  If the transfer source account management server has successfully executed the transfer source reduction process, that is, the balance before the transfer source reduction process is greater than the transfer amount indicated in the transfer source reduction process instruction, the balance after the transfer source reduction process If is greater than or equal to 0, move source reduction process identification information is generated. As in the first embodiment, the transfer source reduction process identification information is obtained by encrypting the session ID XXXX included in the received transfer source reduction process request with an encryption key known only to the financial service providing server 160 and the transfer source account management server. The value F (XXXX) generated by

  The source account management server transmits to the proxy server 170 the source reduction result indicating that the amount could be reduced and the source reduction process result information including the source reduction process identification information (S808).

  If it is determined in step 803 that the migration source reduction process has already been performed, the migration source account management server transmits the migration source reduction process result information on the migration source reduction process that has already been performed to the proxy server 170 (S808). .

<Processing of Financial Service Providing Server 160>
The processing of the financial service providing server 160 is similar to that described in the first and second embodiments. Therefore, detailed description is omitted, and only differences from the first and third embodiments will be described.

  In the present embodiment, communication between the PC terminal 130 and the financial service providing server 160 is performed via the proxy server 170. Therefore, the financial service providing server 160 is configured to transmit / receive information transmitted / received to / from the mobile phone terminal 120 in the first and second embodiments to / from the proxy server 170, for example. A description will be given in relation to the processing of the next proxy server 170.

<Processing of Proxy Server 170>
Next, processing of the proxy server 170 will be described with reference to FIG. The proxy server 170 receives an access request including the user ID 1 and PWD 1 from the PC terminal 130 (S701). More specifically, the proxy server 170 authenticates the user using the received user ID 1 and PWD 1.

  If the user can be authenticated, the proxy server 170 scans the database 161 and determines whether there is status management information associated with the user ID 1 (S702).

  When it is determined that the status management information does not exist, the proxy server 170 transfers an access request including the user ID 1 and PWD 1 to the financial service providing server 160 (S708). Thereby, the financial service providing server 160 receives the access request in step 302 (FIG. 3).

  The proxy server 170 transmits a service request information input form to the PC terminal 130 (S710). More specifically, the proxy server 170 receives the session ID XXXX and the service request information input form display instruction transmitted by the financial service providing server 160 in step 310, reads or generates the service request information input form from the memory, Transmit to the PC terminal 130. The service request information input form is a form for allowing the user to input service related information including merchandise identification information, transfer amount, transfer source account information, transfer destination account information, and the like, which is a settlement target.

  Further, the proxy server 170 generates status management information shown in FIG. 9A, and stores the session ID XXXX (S712).

  The proxy server 170 receives a service request accompanied by the session ID XXXX from the PC terminal 130 (S714). The service request includes service request information, and includes service-related information such as product identification information to be settled, a settlement amount, transfer source account information, and transfer destination account information. Further, the proxy server 170 stores service request information in a memory.

  The proxy server 170 transfers the service request with the session ID XXXX to the financial service providing server 160, and updates the status management information (S716). Thereby, the financial service providing server 160 can receive the service request in step 312.

  The proxy server 170 receives and forwards the service request acceptance notification (S718). More specifically, the proxy server 170 receives the service request acceptance notification transmitted by the financial service providing server 160 in step 314, updates the status management information, stores the service request acceptance notification in the memory, and sends it to the PC terminal 130. Forward. The service request acceptance notification includes transfer information (including payment amount and fee), transfer destination account (number AAA) information, transfer information including transfer source account (number BBB) information, and the like. Further, the service request acceptance notification includes the address of the source account management server that needs to be accessed to reduce the transfer amount from the source account. The address of the source account management server may be stored in advance in the memory of the proxy server 170 together with an application program for receiving provision of financial services.

  The proxy server 170 receives and transfers the movement source reduction processing request (S720). More specifically, the proxy server 170 receives, from the PC terminal 130, a migration source reduction processing request including a user ID 2 for identifying a user of the migration source account and PWD 2 for authenticating the user. The proxy server 170 includes the transfer information including the transfer amount, the transfer source account information, and the transfer destination account information read from the memory in the transfer source reduction processing request and transfers the transfer information to the transfer source account management server. The address of the source account management server is also read from the memory. Further, the proxy server 170 updates the status management information.

  The proxy server 170 receives and transfers the movement source reduction processing result information (S724). More specifically, the proxy server 170 receives the transfer source reduction result indicating that the transfer can be reduced from the transfer source account management server, and the transfer source reduction process result information including the transfer source reduction process identification information, and the status The management information is updated, the movement source reduction processing result information is stored in the memory, and the movement source reduction processing result information is transferred to the PC terminal 130.

  The proxy server 170 receives and transfers the service process execution request (S726). More specifically, the proxy server 170 receives a service process execution request accompanied by the session ID XXXX from the PC terminal 130, transfers the service process execution request to the financial service providing server 160, and updates the status management information. Thereby, the financial service providing server 160 can receive the service processing execution request in step 316.

  The proxy server 170 receives and transfers the service process execution result (S728). More specifically, the proxy server 170 receives the service process execution result from the financial service providing server 160, updates the status management information, and transfers the service process execution result to the PC terminal 130.

  The proxy server 170 clears the status management information (S730).

  When it is determined in step 702 that the status management information exists, the proxy server 170 confirms whether or not to continue the uncompleted process (S704). For example, a form or document that allows the user to input whether to continue, hold, or cancel a process that has not been completed is sent to the PC terminal, and a process that has not been completed by the input value is continued, suspended, Alternatively, it can be determined whether to cancel.

  When it is determined that the process that has not been completed is not continued, the proxy server 170 determines whether to suspend or cancel the process that has not been completed (S705).

  When it is determined that the processing that has not been completed is to be canceled (S705), the proxy server 170 transfers an access request to the financial service providing server 160 in order to confirm whether or not the status management information can be cleared (S706). The access request transmitted from the proxy server 170 to the financial service providing server 160 in step 706 includes the user ID 1 and PWD 1. Also, in this access request, a session ID (for example, session ID ZZZZ) associated with a process that has not been completed, information indicating the status of a process that has not been completed, and information that indicates that a process that has not been completed is to be canceled Selection information including is included.

  If it is determined that the process that has not been completed is suspended, the proxy server 170 transfers the access request to the financial service providing server 160 while keeping the status management information corresponding to the process that has not been completed (S708). This access request includes selection information including a session ID associated with a process that has not been completed (for example, session ID ZZZZ) and information indicating that the process that has not been completed is suspended.

  If it is determined in S704 that processing that has not been completed is to be continued, the proxy server 170 transmits an access request to the financial service providing server 160 (S732). This access request includes user ID 1 and PWD 1. In addition, in this access request, selection information including information indicating the status of the process that has not been completed, the session ID associated with the process to be continued (for example, session ID ZZZZ), and the status of the process that has not been completed. included.

  The proxy server 170 receives an instruction to clear the confirmed status information or the status management information from the financial service providing server 160 (S733).

  When receiving an instruction to clear the status management information (S734), the proxy server 170 clears the status management information (S730).

  Upon receiving the confirmed status information (S734), the proxy server 170 performs the instructed process. When the confirmed status information is an instruction to send a service request (S736), the proxy server 170 sends a service request to the financial service providing server 160 (S716). More specifically, the elements of the service related information (input information) are read from the memory and transmitted to the financial service providing server 160 in the service request.

  When the confirmed status information is an instruction to receive a service request acceptance notification (S738), the proxy server 170 receives the service request acceptance notification transmitted from the financial service providing server 160 and transfers it to the PC terminal 130 (S718). .

  When the confirmed status information is an instruction to send a migration source reduction process request (S740), the proxy server 170 sends a migration source reduction process request to the migration source account management server (S720). The element of the movement source reduction processing request is read from the memory.

  When the confirmed status information is an instruction to send a service process execution request (S742), the proxy server 170 sends a service process execution request to the financial service providing server 160 (S726). The service process execution request includes the movement source reduction process identification information read from the memory.

  When the confirmed status information is an instruction to receive the service process execution result (S744), the proxy server 170 receives the service request process execution result transmitted from the financial service providing server 160 and transfers it to the PC terminal 130 (S728). ). FIG. 9 (b) shows the account information of the transfer destination (for settlement) where the service process is executed. The funds of 10,000 yen are transferred from the transfer source account of the account number BBB, and the settlement of 15,000 yen is further performed. An example in which In this example, the fee is not considered.

  According to the present embodiment, a financial service providing method including funds transfer, which can provide a financial service to a terminal such as a mobile phone terminal 120 or a PC terminal 130 having a highly versatile application such as a browser, and A server can be provided.

  A method and server for providing a financial service including funds transfer that can continue the interrupted process even when the process for the financial service is interrupted by a terminal such as the mobile phone terminal 120 or the PC terminal 130 Can be provided.

  Furthermore, it is possible to provide a financial service providing method including a money transfer and a computer program that can prevent reception of duplicate service requests from the mobile phone terminal 120, the PC terminal 130, and the like.

  In this embodiment, the example in which the financial service providing server 160 provides the financial service to the user who uses the PC terminal 130 has been described. However, the service can be similarly provided to the mobile phone terminal 120. It can also be configured to handle electronic money. Further, the financial service providing server 160 is configured to provide a settlement service with funds transfer (a service for transferring funds to a settlement account and performing settlement in the account) to a user who uses the PC terminal 130. You can also

It is a block diagram which shows the financial service provision system concerning embodiment of this invention. It is a flowchart for demonstrating the process of the terminal concerning one Embodiment of this invention. It is a flowchart for demonstrating the process of the financial service provision server concerning one Embodiment of this invention. It is a flowchart for demonstrating the process of the electronic money (transfer origin account) management server concerning one Embodiment of this invention. (A) is the status management information in the terminal concerning one embodiment of the present invention, (b) is the status management information of the financial service providing server concerning one embodiment of the present invention, and (c) is one embodiment of the present invention. Electronic money management information managed by the electronic money management server, and (d) are diagrams showing fund transfer destination account information according to an embodiment of the present invention. It is a flowchart for demonstrating the process of the terminal concerning one Embodiment of this invention. It is a flowchart for demonstrating the process of the proxy server concerning one Embodiment of this invention. It is a flowchart for demonstrating the process of the transfer origin account (electronic money) management server concerning one Embodiment of this invention. (A) is the status management information of the proxy server according to the embodiment of the present invention, (b) is the account information of the fund transfer destination according to the embodiment of the present invention, and (c) is the embodiment of the present invention. It is a figure which shows the account information managed by this movement origin account management server.

Explanation of symbols

120, 130 Terminal 140 IC card 160 Financial service providing server 170 Proxy server 180 Electronic money (source account) management server 190 Network

Claims (4)

A financial service providing method for providing financial services to a terminal by a terminal connected to a network, a financial service providing server, and a transfer source account management server for managing a fund transfer source account,
In the financial service providing server,
Generating service identification information and generating status management information including the service identification information;
Transmitting the service identification information and a service request information input form display instruction to the terminal;
In the terminal,
Receiving the service identification information and a service request information input form display instruction;
Generating second status management information and storing the service identification information;
Transmitting a service request including service related information and the service identification information to the financial service providing server, and updating the second status management information;
In the financial service providing server,
Receiving the service request and the service identification information, and updating the status management information;
Transmitting a service request acceptance notification corresponding to the service request and the service identification information to the terminal;
In the terminal,
Receiving the service request acceptance notification and the service identification information, and updating the second status management information;
Transmitting a movement source reduction processing request including a movement amount and the service identification information to the movement source account management server, and updating the second status management information;
In the source account management server,
Receiving the source reduction processing request;
Reducing the transfer amount from the fund transfer source account;
Generating source reduction process identification information using the service identification information;
Transmitting the source reduction processing result information including the source reduction processing identification information to the terminal;
In the terminal,
Receiving the source reduction processing result information and updating the second status management information;
Transmitting a service process execution request including the service identification information and the movement source reduction process result information to the financial service providing server, and updating the second status management information;
In the financial service providing server,
Receiving the service process execution request including the service identification information and the movement source reduction process result information, and updating the status management information;
Determining whether or not the migration source reduction processing has been correctly executed based on the migration source reduction processing result information, and updating the status management information;
Including a step of executing a service when it is determined that the transfer source reduction process has been correctly executed, and the financial service providing method includes:
In the terminal, referring to the second status management information, if there is an incomplete process, the service identification information associated with the incomplete process and the incomplete process are continued or stopped. Transmitting an access request including selection information indicating whether or not to hold to the financial service providing server;
In the financial service providing server,
Sending confirmed status information indicating any of the steps in the terminal to the terminal by the status management information and the selection information;
Executing the step corresponding to the confirmed status information among the steps in the financial service providing server;
A method for providing a financial service, comprising: executing, at the terminal, a step instructed by the confirmed status information. The source account management server is a server that manages electronic money of a user of the terminal together with an IC card that communicates with the terminal, and the method of providing the financial service includes:
2. The financial service providing method according to claim 1, further comprising the step of updating an electronic money balance in the memory of the IC card and updating status management information in the terminal. The service related information includes product identification information to be settled,
3. The financial service providing method according to claim 1, wherein the financial service providing server executes the service including the settlement when it is determined that the movement source reduction process is correctly executed. 4. A financial service providing method for providing a financial service to the terminal by a terminal connected to a network, a proxy server, a financial service providing server, and a transfer source account management server for managing a fund transfer source account,
In the proxy server,
Transferring the access request received from the terminal to the financial service providing server;
In the financial service providing server,
Generating service identification information and generating status management information including the service identification information;
Transmitting the service identification information and a service request information input form display instruction to the terminal;
In the proxy server,
Receiving the service identification information and a service request information input form display instruction, and transmitting a service request information input form to the terminal;
Generating second status management information and storing the service identification information;
Receiving and storing a service request including service related information and the service identification information from the terminal;
Transferring the service request and the service identification information to the financial service providing server, and updating the second status management information;
In the financial service providing server,
Receiving the service request and the service identification information, and updating the status management information;
Transmitting a service request acceptance notification including the service related information and the service identification information corresponding to the service request to the proxy server;
In the proxy server,
Receiving and storing the service request acceptance notification and the service identification information, updating the second status management information, and transferring the service request acceptance notification to the terminal;
Receiving a transfer source reduction processing request from the terminal, adding the service related information and transferring it to the transfer source account management server, and updating the second status management information;
In the source account management server,
Receiving the source reduction processing request;
Reducing the transfer amount from the fund transfer source account;
Generating source reduction process identification information using the service identification information;
Transmitting the source reduction processing result information including the source reduction processing identification information to the terminal;
In the proxy server,
Receiving the source reduction process result information, updating the second status management information, storing the source reduction process result information, and transferring the source reduction process result information to the terminal;
Transferring the service processing execution request from the terminal to the financial service providing server, and updating the second status management information;
In the financial service providing server,
Receiving the service process execution request including the service identification information and the movement source reduction process result information, and updating the status management information;
Determining whether or not the migration source reduction processing has been correctly executed based on the migration source reduction processing result information, and updating the status management information;
Including a step of executing a service when it is determined that the transfer source reduction process has been correctly executed, and the financial service providing method includes:
In the proxy server, referring to the second status management information, when there is an incomplete process, the service identification information associated with the incomplete process and the incomplete process are continued. Transmitting an access request including selection information indicating whether to cancel or hold to the financial service providing server;
In the financial service providing server,
Sending confirmed status information indicating any of the steps in the proxy server to the proxy server by the status management information and the selection information;
Executing the step corresponding to the confirmed status information among the steps in the financial service providing server;
And a step of executing the step instructed by the confirmed status information in the proxy server.

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