JP2001250030A - Method and system for transaction and method of specifying transaction target person - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a method and a system for transaction and a method of specifying transaction target, by which a demand to the source of payment and the money received can be exactly and speedily collated on the source of demand and the details of payment arranged by the name of the source of payment by a financial institution can be provided to a client. SOLUTION: In the transaction with plural transaction target people, the names of transaction target persons are replaced with specified information (1 and 2), and a third person is made perform the transaction with the financial institution corresponding to this specified information (3 and 4). When the transaction is performed, the transaction target person is specified on the basis of this specified information (5) and transaction information based on the name of the transaction target person is received from the financial institution (6).

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transaction method and system, and a method for specifying a transaction target.

[0002]

2. Description of the Related Art When an invoice is issued in a conventional transaction method, particularly in a financial transaction, and a deposit is made at a financial institution, a mistake is made in inputting the name of the deposit source or the same deposit source is entered under another name. In some cases, it takes time to arrange the payment details from the financial institution at the billing source, and it is necessary to match the payment to the already-paid business partner.

[0003]

SUMMARY OF THE INVENTION It is an object of the present invention to enable accurate and prompt billing at a billing source to be compared with a deposit, and to allow a financial institution to arrange a payment statement organized under the name of the depositing source. It is an object of the present invention to provide a transaction method and a system that can be provided to a customer, and a method of specifying a transaction target.

[0004]

In order to achieve the above object, a transaction method according to the present invention is a transaction method for conducting transactions with a plurality of transaction targets, wherein the transaction targets are specified information in place of their names. And use this specific information to allow a third party to do business with a financial institution, and if there is a transaction, identify the transaction target based on this specific information and use the name of the transaction target from the financial institution. It is characterized by receiving transaction information. Here, the specific information is created based on the disclosed identification list of the transaction target and the transaction source. Further, the specific information is a transfer destination account number.

[0005] Further, the method of identifying a transaction target of the present invention is a method of identifying a transaction target when conducting a transaction with a plurality of transaction targets. Based on the identification list, the transaction target is replaced with specific information in place of the name, and when there is a transaction, the transaction target is specified based on the specific information and the identification list. .

Further, the transaction system of the present invention is a transaction system for conducting transactions with a plurality of transaction targets, wherein a replacement means for replacing the transaction target with other specific information instead of its name, and the specific information And a conversion means for converting the specific information into the name of the person to be traded when a transaction based on the transaction is performed.

[0007] Further, in a transaction system for conducting transactions with a plurality of transaction targets, a means for providing a means for replacing the transaction target with other specific information instead of the name of the transaction target, And a conversion means for converting the specific information into the name of the person to be traded when there is a transaction based on the transaction.

[0008] Further, there is provided a transaction system for conducting transactions with a plurality of transaction targets, wherein the substitution unit for replacing the transaction targets with other specific information instead of their names is received from a financial institution; Means to replace the transaction target with other specific information instead of its name, and to request the transaction, and to convert the specific information to the name of the transaction target when there is a transaction based on the specific information Means for receiving transaction information based on the name of the transaction target from the financial institution provided with the conversion means.

[0009] Here, the specific information is created based on the identification list of the transaction target and the transaction source that have been made public. Further, the specific information is a transfer destination account number.

[0010]

Embodiments of the present invention will be described below in detail with reference to the accompanying drawings.

<Example of Configuration of Transaction System of First Embodiment>
FIG. 1 is a diagram illustrating a configuration example of the transaction system according to the first embodiment. Hereinafter, the operation of the transaction system of the first embodiment will be described with reference to the circled numbers in the figure.

A financial institution lends company Z a billing party number creating program for creating a billing party specific number from a billing company number and a billing company number.

Company Z obtains a billing company number from the public list number providing organization, and creates a billing destination identification number by a billing number creating program lent out from the billing company number and its own company number.

Company Z creates a bill with the created billing party identification number and issues it to the billing party. The issuing form may be ON-LINE, a paper bill, or a transfer card.
To make the billing destination more accurate, an ON-LINE or a transfer card is desirable.

[0015] A transfer is made to the account of company Z from the depositor via ON-LINE or ATM.

The financial institution decrypts the company number of the payment source from the specific number of the payment source by the payment source decryption program,
Based on the public list from the public list number provider,
Restore the name of the depositor.

The financial institution arranges the payment by the restored name of the payment source, prepares a payment statement, and sends it to Company Z. If company Z is required, the company number of the payment source is also given.

At the company Z, the received payment details are checked against the billing details to check the payment status. In addition, from the information included in the company number of the payment source, research the transaction (market research)
Is also possible.

<Example of Configuration of Transaction System of Second Embodiment>
FIG. 2 is a diagram illustrating a configuration example of a transaction system according to the second embodiment. Hereinafter, the operation of the transaction system of the second embodiment will be described with reference to the circled numbers in the figure.

A financial institution lends company Z a temporary account number creation program for creating a temporary account number as a billing destination specific number from a billing company number and a billing company number.

Company Z obtains a billing company number from a public list number providing organization, and uses a temporary account number creating program lent out from the billing company number and its own company number to specify a temporary account number for specifying the billing party. Create

Company Z creates an invoice to which the created temporary account number is assigned and issues it to the billing party. Issuing form is ON-LINE or paper bill,
Alternatively, it may be a transfer card.

[0024] A transfer is made to the temporary account from the depositor via ON-LINE or ATM.

[0024] The financial institution decodes the company numbers of the payment source and the payment destination (= billing source) from the temporary account number for specifying the payment source by the temporary account number decoding program, and based on the public list from the public list number providing organization. To restore the name of the main account and the source of the payment.

The financial institution arranges the payment by the restored name of the payment source, prepares a payment statement, and sends it to Company Z. If company Z is required, the company number of the payment source is also given.

Company Z checks the received payment statement against the billing statement to check the payment status. In addition, from the information included in the company number of the payment source, research the transaction (market research)
Is also possible.

In the first and second embodiments, the public list number providing organization is provided separately. However, the public list is owned by the financial institution, and the financial institution creates a specific number of the billing party and performs the transaction. The service provided to the company may be provided, or the service provided to the trading company by conducting a transaction survey at a financial institution. Further, in this example, an example in which an existing public list is used has been described, but a number that can be shared between a financial institution and a trading company may be newly introduced in order to increase confidentiality and the value of a transaction investigation. . In this case, processing can be performed not only for companies and corporations but also for individuals.

<Example of Configuration of Company System Constituting Transaction System of Present Embodiment> FIG. 3 is a diagram showing an example of the configuration of a company system of the present embodiment, for example, a general-purpose PC (personal computer). You may.

In the figure, reference numeral 11 denotes a CPU for arithmetic control that controls the entire apparatus, 12 denotes a ROM that stores basic processing programs and parameters, 13 denotes various processing results, an external storage device 14, and the like. RAM for temporarily storing programs and the like loaded from the HDD, 14 is a floppy (registered trademark) disk drive, a magneto-optical disk drive, C
An external storage device such as a D-ROM or a CD-R for controlling so-called removable media; 15 a communication control unit for communicating with an external device via a communication line; 16 a display such as a CRT for displaying a processed image It is an input / output interface for interfacing a keyboard for inputting various instruction data of an operator, a pointing device such as a mouse as an input auxiliary means, a printer for creating a hard copy, and the like. These devices are interconnected by a bus 17.

Here, the RAM 13 is, for example, a billing statement creating unit 13a which is a data area used when creating a bill, a number creating program 13b which creates a specific number which is a program area, and issues a bill. And a payment collation program 13d for collating the billing statement sent from the financial institution with the billing statement. The external storage device 14 stores the billing statement creation program 1
It includes an area for storing the billing statement 14a created in 3c and the deposit statement 14b sent from the financial institution.

<Example of Operation of Company System Constituting Transaction System of Present Embodiment> An example of operation of the company system will be described below with reference to FIGS.

(Example of Procedure for Creating Specific Number) FIG. 4 is a flowchart showing an example of a procedure for creating a specific number for specifying a billing party (= payment source).

In step S41, the company number of the billing party is obtained from the table of the public list number providing organization. Next, in step S42, based on the acquired billing company number and the company number of the own (billing source), the specific number of the billing party (in the first embodiment, the billing party number, (Temporary account number in Embodiment 2)
Create

(Example of Procedure for Creating Invoice) FIG. 5 is a flowchart showing an example of a procedure for creating an invoice to which a specific number for specifying a billing party is added.

In step S51, a bill to which the specific information created in step S42 is added is created. In step S52, the created bill is issued. The issuing form uses ON-LINE via a network, a transfer card, a transfer sheet, and the like. In step S53, the billing statement that issued the bill is stored for payment verification after payment.

FIG. 6 is a flowchart showing an example of a procedure for collating the payment details sent from the financial institution with the billing details stored in step S53.

At step S61, receipt of payment details from a financial institution (either ON-LINE or OFF-LINE)
, And if there is a receipt (in the case of OFF-LINE, after reading or inputting), the flow proceeds to step S62 to save the payment details. Next, in step S63, the payment statement and the billing statement are collated, and if the collation is successful, it is determined that payment has been made and step S63.
The process ends from 64.

<Example of Configuration of Bank System Constituting Transaction System of Present Embodiment> FIG. 7 is a diagram showing an example of the configuration of a bank system of the present embodiment, for example, a general-purpose PC (personal computer). You may.

In the figure, reference numeral 21 denotes a CPU for arithmetic control that controls the entire apparatus, 22 denotes a ROM that stores basic processing programs and parameters, 23 denotes various processing results, an external storage device 24 and the like. RAM for temporarily storing programs and the like loaded from the HDD, 24 is a floppy disk drive, a magneto-optical disk drive, a CD-ROM,
An external storage device for controlling so-called removable media such as a CD-R; 25, a communication control unit for communicating with an external device and an ATM via a communication line; 26, a display such as a CRT for displaying a processed image; It is an input / output interface for interfacing a keyboard for inputting various instruction data of a user, a pointing device such as a mouse as an input auxiliary means, a printer for creating a hard copy, and the like. These devices are interconnected by a bus 27.

Here, the RAM 23 decodes, for example, a data storage area of a payment processing section 23a used for processing of payment, a payment details section 23b for storing the generated payment details, and a specific number which is a program area. Number decryption program 23c, statement creation program 23 for creating a receipt statement
d. The external storage device 24 includes a number creation proguramu 24a to be lent to the trading company, an original account unit 24b for storing the original account of the deposit destination used in the second embodiment, and a temporary account opened in correspondence with the deposit source. Temporary account part 2 that stores
4c.

<Example of Operation of Bank System Constituting Transaction System of Present Embodiment> An example of operation of the bank system will be described below with reference to FIG.

FIG. 8 is a flow chart showing an example of a procedure for creating a payment statement based on a payment from a payment source. Note that this flowchart also includes a decryption program for decrypting the company number from the specific number of the payment source.

In step S81, ON-LINE or AT
After waiting for the payment from M, if there is a payment, the process proceeds to step S82, and it is determined whether the payment has been made to the main account of the payment destination (= billing source) or to the temporary account. It should be noted that the real account and the temporary account can be distinguished from each other by a difference in specific digits or the number of digits. In the case of this account, in step S83, the company number of the payment source is decrypted by the payment source decryption program from the specific number of the payment source, and the decrypted company number is referred to the public list of the public list number providing organization to make the payment. Restore the original name. on the other hand,
In the case of a temporary account, the process proceeds to step S84, where the temporary source account number, which is the specific number of the source of payment, is used to decode the company number of the source of payment by the temporary account number decoding program. Referring to the public list, restore the name of the depositor.

In step S85, the payment is organized in accordance with the restored name of the payment source to create a payment statement. In step S86, the payment is made ON-LINE via the network.
Or on the receipt statement, the receipt statement is the recipient (= billing source)
To send.

An object of the present invention is to supply a storage medium storing a program code of software for realizing the functions of the above-described embodiments to a system or an apparatus, and to provide a computer (or CPU or MPU) of the system or the apparatus. Can also be achieved by reading and executing the program code stored in the storage medium. In this case, the program code itself read from the storage medium implements the functions of the above-described embodiment, and the storage medium storing the program code constitutes the present invention.

As a storage medium for supplying the program code, for example, a floppy disk, hard disk, optical disk, magneto-optical disk, CD-ROM, CD
-R, a magnetic tape, a nonvolatile memory card, a ROM, or the like can be used.

When the computer executes the readout program code, not only the functions of the above-described embodiment are realized, but also the OS (Operating System) running on the computer based on the instruction of the program code. ) May, of course, include a case where some or all of the actual processing is performed and the functions of the above-described embodiments are realized by the processing.

Further, after the program code read from the storage medium is written into a memory provided in a function expansion board inserted into the computer or a function expansion unit connected to the computer, based on the instruction of the program code, It goes without saying that the CPU provided in the function expansion board or the function expansion unit performs part or all of the actual processing, and the functions of the above-described embodiments are realized by the processing.

When the present invention is applied to the storage medium, the storage medium stores program codes corresponding to the above-described flowcharts (shown in FIGS. 4 to 6 or 8).

[0050]

As described above, according to the present invention,
A transaction method and system capable of collating an accurate and prompt billing of a deposit source with a deposit at a billing source and providing a customer with a receipt statement arranged by the name of the deposit source at a financial institution, and a system of a transaction target A specific method can be provided. That is, a specific number for specifying a deposit source can be easily given. Moreover, the trading company can receive the payment information arranged by the name of the payment source from the financial institution.

[Brief description of the drawings]

FIG. 1 is a block diagram illustrating a configuration example of a transaction system according to a first embodiment;

FIG. 2 is a block diagram illustrating a configuration example of a transaction system according to a second embodiment;

FIG. 3 is a block diagram showing a configuration example of a company system constituting the transaction system according to the embodiment;

FIG. 4 is a flowchart illustrating an example of a procedure for creating a number of a company system according to the embodiment;

FIG. 5 is a flowchart illustrating an example of a procedure for creating a bill in the company system according to the embodiment;

FIG. 6 is a flowchart illustrating an example of a procedure of payment matching of the company system according to the present embodiment;

FIG. 7 is a block diagram showing a configuration example of a banking system constituting the transaction system according to the present embodiment.

FIG. 8 is a flowchart illustrating an example of a procedure for creating a receipt statement of the bank system according to the present embodiment;

Claims (9)

[Claims] Claims 1. A transaction method for conducting transactions with a plurality of transaction targets, wherein the transaction targets are replaced with specific information instead of their names,
This specific information allows a third party to conduct a transaction with the financial institution, and if there is a transaction, identifies the transaction target based on this specific information, and the financial institution provides the transaction information based on the name of the transaction target. A transaction method characterized by receiving a transaction. 2. The transaction method according to claim 1, wherein the specific information is created on the basis of a public identification list of a transaction target and a transaction source. 3. The transaction method according to claim 2, wherein the specific information is an account number of a transfer destination. 4. A method of identifying a transaction target in the case of conducting a transaction with a plurality of transaction targets, wherein the transaction target is identified based on a public identification list of the transaction target and the transaction source. A method of identifying a transaction target, wherein the transaction target is specified based on the identification information and the identification list when a transaction is made by replacing the specific information with the specific information in place of the name. 5. A transaction system for conducting transactions with a plurality of transaction targets, wherein there are replacement means for replacing the transaction targets with other specific information instead of their names, and a transaction based on the specific information. A transaction system for converting the specific information into the name of the trading target in such a case. 6. A transaction system for conducting transactions with a plurality of transaction targets, a means for providing a means for replacing a transaction target with other specific information instead of its name to a transaction source; A conversion means for converting specific information into a trade target name when a transaction based on the transaction is performed. 7. A transaction system for conducting transactions with a plurality of transaction targets, wherein the substitution unit receives from the financial institution replacement means for replacing the transaction targets with other specific information instead of their names, and the substitution means. Means to replace the transaction target with other specific information instead of its name, and to request the transaction, and to convert the specific information to the name of the transaction target when there is a transaction based on the specific information Means for receiving transaction information based on the name of the transaction target from a financial institution provided with the conversion means. 8. The transaction system according to claim 5, wherein the specific information is created based on a public identification list of a transaction target and a transaction source. . 9. The transaction system according to claim 8, wherein the specific information is an account number of a transfer destination.