JP2002133127A - Remittance method in virtual bank and record medium recorded with programmed method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To execute remittance based on splitting of a bill, remittance based on claim in a lump sum, remittance by home page click and the like without error and conveniently in a remittance system in a virtual bank. SOLUTION: The virtual bank 12 for settlement is provided on the Internet (Web) 4, a virtual bank account 121 (122) is opened with the virtual bank 12, and transfer of funds is performed between the virtual bank accounts. Remittance in the virtual bank accounts is requested to the party at the other end for splitting of a bill or the party at the other end for claim in a lump sum, and remittance processing is conducted after a permission from the party at the other end. An interface is provided for remitting only by clicking a remittance button without being aware of identification information of remittance destination on the home page.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

The present invention relates to a remittance method in a virtual bank and a recording medium on which the method is programmed and recorded.

[0002]

2. Description of the Related Art In recent years, it has become common to buy and sell goods on the Internet, and it is desired to introduce means for making payment without going to a bank. Already in the United States, each member has an account with an email address as an identifier, making it possible to deposit for each account in the same way as a bank account, and sending and receiving money between those who have the account is free for 24 hours on the Internet Has been realized.

According to this method, individual-to-individual remittances when buying and selling goods on the Internet can be easily performed. In this case, the device serving as the interface is a personal computer or a palmtop. However, if this method is applied in Japan, it will be necessary to carry out the settlement and procure funds from the general public. Can not.

In the current situation described above, in order to enable remittance between persons having a virtual branch account under the current domestic law, the above-mentioned account (hereinafter referred to as a virtual bank account) is set up in an existing bank that can settle. Assuming that the transfer of remittance between persons having the virtual bank account has been proposed, a remittance system in a virtual bank that can be realized with full immediacy for 24 hours via the Internet has been proposed. Also, in the future, if settlement becomes possible outside the bank, the holder of the virtual bank account here will be that other than the bank, and the virtual bank host will be connected between the user and the bank via the virtual bank host. Information necessary for settlement is transferred in accordance with a user's instruction, and individual-to-individual remittance can be realized by considering this virtual branch account as a checking account.

[0005]

However, in the above-described remittance system in a virtual bank, remittance is possible by logging in to a server and designating an identifier such as a mail address and an amount, but is required by a split bill or the like. It was necessary to notify the amount orally or by e-mail, log in to the system, and then re-enter the amount. It was very difficult for the requestee to do this without error and without delay. . In addition, it has been difficult for a remittance requester to obtain a split bill agreement from a partner who wants to split the bill, and then calculate and notify the split bill amount between remote locations.

The present invention has been made in view of the above circumstances, and obtains an agreement with a party to be split through the Web, issues a remittance request by designating a considerable amount of money to the party with the agreement, By transferring a considerable amount of funds between the person making the split and the virtual bank account owned by the other party, even if the other party you want to split is in a remote location, it is possible to transfer money easily and collectively, making it easier to manage A first object is to provide a remittance method in a virtual bank and a recording medium in which the method is programmed and recorded, which is more convenient.

[0007] Further, when requesting remittance with a virtual bank account to a partner who wishes to make a lump sum request, and trying to realize this, the payer is notified of the amount charged by a bill or the like by oral or e-mail, and It is very difficult to log in to the system and then re-enter it without error and without delay. At present, it has been difficult for a claimant to notify billing information to a remote location for each billing, to perform a remittance notification from a payer, and to perform storage management after remittance confirmation in a large amount and easily in a short time.

[0008] The present invention has been made in view of the above circumstances, issues a remittance request via the web, specifying a substantial amount to the person who wants to make a collective bill, obtains approval, and owns the claimant and the other party. Transfers considerable amount of funds between virtual bank accounts, making it easy to collectively charge even if the requesting party is in a remote location, simplifying management and increasing convenience. It is a second object of the present invention to provide a remittance method and a recording medium on which the method is programmed and recorded.

[0009] On the other hand, when payment on a website such as a virtual store is required, usually, in a virtual account, authentication information such as a mail address and a telephone number is input and remittance is made. However, a user who is unfamiliar with the operation of the terminal device may authenticate the user each time a remittance is performed, and manually input the recognition information such as the telephone number and e-mail address of the remittee and the remittance amount without error. Have difficulty. In addition, if you want to donate a small amount to a certain site, or if you want to send money easily, such as in a fundraising operation, you need to take the URL (Uniform Resource Locat
If the procedure is troublesome, such as logging in by specifying (or), it is difficult to achieve the purpose itself.

[0010] The present invention has been made in view of the above circumstances, and when performing settlement on a website with a virtual bank account,
By inputting its own authentication information and clicking a remittance button assigned to an arbitrary position on the homepage of the website, the displayed amount is remitted to a pre-specified virtual account, whereby the virtual bank account A third object of the present invention is to provide a remittance method in a virtual bank and a recording medium in which the method is programmed and recorded, in which transfer of funds between the banks facilitates settlement on the Internet and improves operability. Aim.

When a virtual account is used for settlement at a virtual store, remittance destination authentication information, a remittance amount, and the like are obtained from the virtual store, and a virtual account user must make a remittance without being aware of the other party's authentication information. However, when transferring money to an existing terminal such as a mobile phone, a cash register at a store, a vending machine, etc., it is necessary to manually input authentication information such as a telephone number and an e-mail address of a remittance destination. It was difficult to send money easily and without error, without being aware of information.

The present invention has been made in view of the above circumstances, and for example, obtains authentication information of a remittance partner by communication between terminals such as wireless communication, and transfers funds between the virtual bank accounts based on the authentication information. It is a fourth object of the present invention to provide a remittance method in a virtual bank that enables remittance without error without being aware of the authentication information of the other party and a recording medium on which the method is programmed and recorded.

On the other hand, assuming that the virtual account is capable of exchanging funds with a plurality of banks, if the depositing bank and the dispensing bank are different, ordinary fund transfer between banks occurs. As a result, the transaction of the fund transfer and the fee are required, so that it is difficult to provide a low-cost service. Individually managing a virtual bank account within the range of a normal bank will provide services at a low cost because remittance between users within the virtual bank will incur a lot of cost such as a bank fee. It is difficult. In addition, since the transfer of funds between accounts and between banks is subject to restrictions on the operation time of a normal bank host, it is difficult to operate the virtual banking service 24 hours a day.

The present invention has been made in view of the above circumstances, and when depositing from a plurality of bank real accounts owned by a user to the virtual account of the user, the transfer is made to a comprehensive virtual account owned by each bank. To manage the balance of the comprehensive virtual account for each user according to the statement data, and when the user designates a certain bank real account and withdraws, according to the statement data,
By transferring funds from a comprehensive virtual account that exists in a designated bank to a real bank account owned by the user, a method of remittance in a virtual bank that reduces the generation of bank fees and reduces running costs, and the same method are programmed. A fifth object is to provide a recorded recording medium.

[0015]

In order to solve the above-mentioned problems, the invention according to claim 1 inputs authentication information of a remittance source, logs in to a server, and specifies authentication information of a remittee and a remittance amount. Is a method of transferring funds between virtual bank accounts provided on the web, thereby obtaining an agreement with the party to be split through the web, and obtaining the agreed party A remittance request is issued by designating a substantial amount of money, and the substantial funds are transferred between the person making the split and the virtual bank account owned by the other party.

According to a second aspect of the present invention, a virtual bank account provided on a web is provided by inputting authentication information of a remittance source, logging in to a server, and specifying authentication information of a remittee and a remittance amount. A method of remittance in a virtual bank that transfers funds between virtual banks. The substantial transfer of the funds between the owned virtual bank accounts is performed.

According to a third aspect of the present invention, in the remittance method in the virtual bank according to the first or second aspect, the remittance request is notified by e-mail, and the notified party is linked to the e-mail. Payment is performed by approving the screen that appears when the user clicks on.

This makes it possible to provide a remittance side with an interface that facilitates remittance, facilitates remittance by requesting remittance, and facilitates management of a remittant for the remittant side. Further, since the trouble of inserting authentication information of the remittance destination and the process of setting the amount can be omitted, the operability is improved, and the reliability is improved because the causes of errors are reduced.

According to a fourth aspect of the present invention, a virtual bank account provided on a web is provided by inputting authentication information of a remittance source, logging in to a server, and specifying authentication information of a remittee and a remittance amount. A method of transferring funds between virtual banks, a method of remittance in a virtual bank, in which when making a payment on a website with a virtual bank account, enter its own authentication information and assign it to an arbitrary position on the website of the website. By clicking the remittance button, the displayed amount is transferred to a virtual account specified in advance, thereby transferring funds between the virtual bank accounts. According to a fifth aspect of the present invention, in the remittance method in the virtual bank according to the fourth aspect, authentication information of a remittance partner is obtained by communication between terminals, and transfer of funds between the virtual bank accounts is performed based on the authentication information. It is characterized by performing.

[0020] In this manner, payment can be made on the Internet in the same manner as when cash is exchanged, and since remittance can be received without knowing authentication information, an effect of maintaining confidentiality can be obtained. Further, the operability is improved because the work for setting the authentication information and the amount of money can be omitted, and the input of the remittance destination can be eliminated, thereby increasing the convenience. Further, by providing an interface that facilitates remittance, it becomes easy to collect funds on a homepage site such as fund procurement of a paid site and fundraising. Since the remittance can be performed without knowing the authentication information of the other party, privacy is protected, and the trouble of setting the authentication information of the other party is omitted, and therefore, the input error of the remittee is eliminated.

According to a sixth aspect of the present invention, there is provided a virtual bank account for performing settlement on the web, transfer of funds by transferring funds between the virtual bank accounts, and transfer of funds to the actual bank account. This is a remittance method in a virtual bank that makes money after going through it.When depositing from a plurality of bank real accounts owned by the user to the virtual account of the user, transfer to the total virtual account owned by each bank According to the statement data, the balance of the comprehensive virtual account is managed for each user, and when the user designates a certain bank real account and withdraws, according to the statement data, the comprehensive virtual account existing in the designated bank The funds are transferred from a bank to an actual bank account owned by the user.

Thus, even if remittance is performed from user A to user B between virtual accounts, there is no change in the balance of all funds in the virtual account, and there is no transfer of funds between real bank accounts. There are no bank remittance fees. Interbank remittance occurs only when the balance of the account is reduced by reducing the lack of balance between accounts (balance imbalance) among the total accounts owned by each bank. it can. As a result, remittance from the user A to the user B can be performed with a virtual bank account for 24 hours without being restricted by the operation time of the bank host.

According to a seventh aspect of the present invention, there is provided a computer-readable recording medium having a virtual bank account for performing settlement on the web and recording a server program used in a remittance system in a virtual bank for transferring funds between the virtual bank accounts. In a possible recording medium, the server program receives a designation of a partner to be split through a user terminal, issues guidance to the partner, and obtains an agreement on the split, and after obtaining the agreement, the server program wants to split. Receiving the designation of the amount, calculating the split amount, receiving the remittance destination authentication information and a remittance request with the remittance amount as a parameter, deducting the predetermined amount from the remittance source virtual bank account, And depositing the predetermined remittance amount to a bank account.

[0024] According to an eighth aspect of the present invention, there is provided a computer-readable recording medium storing a server program used for a remittance system in a virtual bank for providing a virtual branch account for performing settlement on the web and transferring funds between the virtual branch accounts. In a possible recording medium, the server program sends, via the user terminal, a remittance request in which the remittance destination authentication information and the remittance amount are used as parameters by designating an amount corresponding to the party to be charged in a lump sum; Debiting the predetermined amount from the original virtual bank account and depositing the predetermined amount in the remittance destination virtual bank account.

[0025] According to a ninth aspect of the present invention, there is provided a virtual bank account for performing settlement on the web, and a computer-readable recording of a client program used in a remittance system in a virtual bank for transferring funds between the virtual bank accounts. In a possible recording medium, the client program prompts input of user authentication information via a user terminal when performing settlement on the website with a virtual bank account, and an optional step on the website of the website. By clicking the remittance button assigned to the position,
Issuing a remittance request to remit the displayed amount to a pre-specified virtual account.

According to a tenth aspect of the present invention, there is provided a virtual bank account for performing settlement on the web, transferring funds by transferring funds between the virtual bank accounts, and transferring funds to the actual bank account. In a computer-readable recording medium recording a server program used in a remittance system in a virtual bank that performs and cashes, the server program is configured to convert a virtual account of the user from a plurality of bank real accounts owned by the user. When depositing money into a bank, the bank transfers the total virtual account owned by each bank to manage the balance of the general virtual account for each user according to the statement data, and the user designates a certain bank real account and withdraws Transferring the funds from the general virtual account existing in the designated bank to the real bank account owned by the user according to the statement data; And characterized by causing a computer to execute.

[0027]

FIG. 1 is a block diagram showing an embodiment of a remittance system in a virtual bank according to the present invention. In the figure, reference numeral 1 denotes a bank, which has an α branch 11, an Internet branch 12 as a virtual bank, and a β branch 13.

The reason that the Internet branch 12 is under the jurisdiction of the bank is because of the relationship with the above-mentioned current law. If the settlement does not have to be made by a bank in the future, the holder of the virtual branch account may be a bank other than a bank, for example, a convenience store. It does not matter. The α branch 11 has a bank branch account A (111), the Internet branch 12 has a virtual bank account A (121) and a virtual bank account B (122), and the β branch 13 has a bank branch account C (131). And Hereinafter, the Internet branch will be described as a virtual bank. Also,
A virtual bank settlement institution that supervises the virtual bank and performs settlement may be newly provided.

Reference numeral 2 denotes a remitter and reference numeral 3 denotes a remittee, each of which has a dedicated user terminal such as a mobile phone, a personal computer, or a palmtop such as a PDA (Personal Digital Assistants). These user terminals are connected via the Internet 4 to a host center 5 where virtual bank hosts are installed. Host Center 5
, A large number of banks (not shown) are connected in addition to the bank 1, and a credit card company 6 is also connected via a dedicated line. The host center 5 performs personal authentication, account process control, and detailed information management of the virtual branch account.

FIG. 2 is a block diagram showing in detail a system configuration around the host center 5 shown in FIG.
The virtual branch host 50 installed in the host center 5 has a control unit 51 as a control center, and a communication control unit 52 and a storage unit 53.
It consists of. The communication control unit 52 includes the user terminal 20,
In addition to the connection 30 via the Internet 4, the bank branch host 10 and the credit card company host 60 are connected via a dedicated line, and serve as an interface for data exchange between these computers.

The storage unit 53 stores an authentication database 531 in which the mail address of the virtual branch account holder who is a user is registered, a user information database 532 in which personal information of the user is stored in advance, An account information database 533 in which the balance information is updated and stored each time a remittance or a deposit is provided, and an external connection database 534 in which a bank branch account number or a credit card number for each user is stored. The contents are read / written. Although not shown here, a remittance transaction DB and a transaction statement information DB are also included.

FIG. 3 shows the concept of the remittance method in the virtual bank of the present invention. Here, a concept is shown as a concept in which a remittance from a remittant A, who is a user, to a remittee B can be easily sent. In the figure, blocks denoted by the same reference numerals as those in FIGS. 1 and 2 are the same as those in FIG. 1 and will be described briefly below.

According to the present invention, an Internet branch 12 dedicated to settlement is provided in the bank 1, and a virtual bank account A (121) and a virtual bank account B (12) in the Internet branch are provided.
By transferring funds between 2), instantaneous remittance is realized for 24 hours. It should be noted that the Internet branch 12 can be realized as a bank itself even if it is a branch of a bank, and is considered as a current account exclusively for settlement at the bank 1. It can be considered that the bank will immediately deposit money into the other party's account.

The virtual bank account A (121) and the virtual bank account B (122) are uniquely determined by a unique ID such as a mail address or a mobile phone number of the user terminals 20, 30, and the virtual bank account Even when the account is not opened, the remittance information is kept in the host center 5. Even if the partner account is unknown, if the e-mail address is known, a temporary account is automatically created and remittance is made to this temporary account. Since the remittance destination cannot receive the remittance unless an account is opened, the host center 5 recommends the remittee to open a virtual branch account. Also. Since the remittance destination is specified by an e-mail address, confidential information such as an account number and a credit card number does not leak.

The host center 5 can uniquely identify a virtual bank account at the Internet branch 12 using a mail address or a mobile phone number as an ID. Host Center 5
Transfers the user's e-mail or a remittance instruction with the mobile phone number as the remittance destination to the Internet branch 12 which is a settlement institution. Normally, when remittance is made using a bank account, remittance is not possible unless the other party has an account. Here, if there is no mail address of the user B who is the remittance destination or a virtual branch account linked to the mobile phone number, the remittance amount is temporarily held in the host center 5 together with the remittance amount, and is addressed to the remittee B (3). It is recommended to open a virtual branch account using e-mail. If the remittee B (3) opens a virtual bank account, the host center 5 transfers the remittance information temporarily possessed to the Internet branch 12, which is a settlement institution. Person A
Is debited and paid in for remittance to the remittance recipient B from.

FIGS. 4 and 8 are views cited for explaining the operation of the embodiment of the present invention shown in FIGS.
It is an operation | movement conceptual diagram which shows the example of remittance by a split bill, the example of remittance by lump sum billing, the example of remittance by clicking a homepage, the example of authentication between terminals, and the example of remittance using detailed data, respectively.

Hereinafter, the operation of the embodiment of the present invention shown in FIGS. 1 and 2 will be described in detail with reference to the operation conceptual diagrams shown in FIGS. First, an example of remittance by split bill will be described. FIG. 4 shows a method of requesting a remittance to a remittance by a virtual bank account and easily transmitting the remittance. Here, the person requesting the split bill (user A)
By specifying and inputting the partner to be split through a user terminal such as a PC or a portable terminal, the partner is notified of the guidance (), and the members (users B to
Get agreement on split billing for E) ().

When the other party returns the agreement of the split bill (), the user A receives the individual agreement notification from the host center 5 by e-mail (). Thus, the user A inputs the amount to be split and calculates the split amount automatically or manually. Then, it notifies the split billing information via the host center 5 and requests each member to transfer money through a virtual account (). Then, settlement is performed. That is, in the host center 5, funds corresponding to the calculated split amount are transferred between the user A who makes the split bill and the virtual bank accounts owned by the users B, C, D, and E who have agreed to the split bill.

Here, at the time of the split bill agreement () or the remittance approval (), it is possible to select remittance using a virtual account or remittance other than that (cash or the like). It is also possible to attach an invoice or a receipt at the time of advance payment to the remittance request. When a split bill is collected in advance ('), it is possible to ask for a split bill agreement and request a remittance at once.
The host center 5 has a function of totalizing and reporting the execution results,
Furthermore, by storing and managing the sender's e-mail address, amount, and the like, it has a management function of automatically sending out a thank-you e-mail (a) and receiving a report. It is also possible to attach a receipt etc. to the thank you email. In addition, the partner requested to split the bill clicks the link of the mail to connect to the screen containing the known information, and the settlement is completed only by approval.

As a result, even if the place where the split partner is located is located far away, a remittance request can be easily made collectively at a later date, and management becomes easy. That is, it is possible to provide a remittance side with an interface that facilitates remittance. Requesting remittance facilitates collection, and also facilitates management of the remittant for the remittance side. Further, the trouble of inserting authentication information of the remittance destination and the process of setting the amount of money can be omitted, and the number of errors is reduced, so that the reliability is improved and the convenience is increased. This can be used not only for split billing, but also for requesting, paying, and managing membership dues in advance.

Next, an example of remittance by collective billing will be described. FIG. 5 shows a method for requesting remittance with a virtual bank account to a partner who wishes to make a lump sum billing and easily remittance. First, when the user A inputs the amount to be charged and the authentication information of the partner to be charged (), the collective billing information is notified to the host center 5 ().
Each member is notified of the request for remittance in the virtual account (). Here, it is possible to automatically make a request even for a periodic request, and it is possible to attach a bill or the like to a remittance request. By clicking on the link in the e-mail, the other party who has been requested for the consolidated billing is connected to a screen containing known information, and the settlement is completed only by approving ().

The host center 5 has a function of totalizing and reporting execution results. The report will be sent by e-mail to the user who requested the remittance (). In addition, by storing and managing the sender's e-mail address and amount, etc., it also has a management function of automatically issuing a thank-you e-mail (attached to a receipt) and receiving a report. Further, it is possible to automatically recharge a partner who has not been remitted for a certain period of time. It also has an invoice / receipt issue / management function, and issues a receipt e-mail to the user who sent the remittance ().

As a result, even if the person who requests the collective billing is far from the place, the billing / collection can be performed collectively by a simple procedure at a later date, and the management becomes easy. In other words, it is possible to provide an interface that facilitates remittance to the remittance side, and it is easy to collect money by making a request using the interface. Further, the setting of the authentication information of the collection destination and the setting of the amount of money can be omitted, erroneous input is prevented, and convenience is increased. For the requesting side, the management of the remitter becomes easy, and the matching between the request and the receipt becomes easy.

Next, an example of remittance by clicking a homepage will be described. FIG. 6 shows a method of performing a remittance by simply clicking on the homepage without paying attention to the authentication information of the remittance destination. When making a payment on a website using a virtual bank account, the user first inputs his / her authentication information, and clicks a remittance button assigned to an arbitrary position on the website homepage (). As a result, the remittance information is notified to the host center 5 (), and the amount displayed on the website of the website (here, the personal site of the user B) can be remitted to the virtual account designated in advance. (). At this time, the sender needs to enter his / her own authentication information once, and the software retains the information.
No further input is required.

By providing a dedicated package program for a homepage site for virtual account holders, a virtual account holder can easily set a remittance click button. In addition, it is also possible to automatically take in the total price of the goods purchased at the electronic commerce site. In addition, the host center 5 counts the execution results,
Has a reporting function. It has a management function that automatically sends a thank-you e-mail or receives a report by storing and managing the sender's e-mail address, amount, etc., and a document such as a receipt can be attached to the thank-you e-mail. And

As a result, payment can be made on the Internet in the same manner as in the case of exchanging cash, and remittance can be received without knowing authentication information, so that an effect of confidentiality can be obtained. Further, the operability is improved because the work for setting the authentication information and the amount of money can be omitted, and the input of the remittance destination can be eliminated, thereby increasing the convenience. Further, by providing an interface that facilitates remittance, it becomes easy to collect funds on a homepage site such as fund procurement of a paid site and fundraising.

FIG. 7 shows an example of terminal-to-terminal authentication. FIG. 7 shows a method of transferring money between terminals without paying attention to the authentication information of the money transfer destination. That is, without manually inputting the telephone number or e-mail address of the other party, the authentication information of the other party is automatically obtained by short-range wireless communication between the use terminals such as Bluetooth or infrared communication (), and the host is obtained based on the authentication information. A remittance request is sent to the center 5 (). The user B is confirmed (in this case, a mobile phone is used as the user terminal, so a transaction notification by short mail or the like) is obtained, and settlement between the virtual bank accounts A and B is performed (). Since the account amount information is stored in the host center 5, it is safe even if the terminal is broken or lost. It is also possible for the remittance side to notify the requested amount by communication.

As a result, remittance can be performed without knowing the authentication information of the other party, so that privacy is protected. By providing communication means not only for the mobile terminal but also for various items such as a cash register in a store and a vending machine, the device can be used in various scenes. Further, the trouble of setting the authentication information of the other party can be omitted, and therefore, there is no mistake in inputting the remittance destination. Unlike the conventional case where an electronic value is added to an IC card, since the authentication information of the terminal is used only to issue a request to transfer the value on the network, the terminal may fail, Or, if you lose your data, don't worry.

FIG. 8 shows an example in which remittance is performed between virtual bank accounts using statement data. here,
An example in which the user A transfers funds for cashing is shown. If the user owns multiple bank accounts and deposits them into a virtual bank account, transfer the total real account in each bank, and in the virtual bank account, the balance of the general real account It is necessary to manage each user individually. At this time, the virtual account balance is made visible to the individual user in the total amount. From the viewpoint of the total real account, it is assumed that funds are individually stored in the general real account of each bank.

When a virtual bank account user designates a bank real account and executes withdrawal, funds are transferred from a general real account existing in the designated bank to a bank real account owned by the user. In this case, remittance between users in the virtual bank account can be reflected immediately, but withdrawal (cash conversion) to the real bank account can be made several days later, not on the day of reflection but on cash. Always set aside a certain amount of money in the total real account by inducing restrictions, setting a bonus if you make an appointment not to cash for a certain period of time, or inducing a pool of funds, etc. It is necessary to reduce shortages (balance imbalance).

Thus, even if remittance is performed from user A to user B between virtual accounts, there is no change in the balance of all funds in the virtual account, and there is no transfer of funds between real bank accounts. There are no bank remittance fees. Interbank remittance occurs only when the balance of the account is reduced by reducing the lack of balance between accounts (balance imbalance) among the total accounts owned by each bank. it can. As a result, remittance from the user A to the user B can be performed with a virtual bank account for 24 hours without being restricted by the operation time of the bank host.

4 to 8 show the user terminal 20 (30) and the virtual branch host 50, respectively.
Both are embodied as a client program and a server program, and are both recorded and distributed on any recording medium such as a hard disk device, a magneto-optical disk device, or an optical storage device such as a CD-ROM. Specifically, the user terminal 20 (30) and the virtual branch host 50 are loaded from these recording media into a main storage device (semiconductor storage device) therein, and sequentially read and executed by the CPU.

[0053]

As described above, according to the present invention, remittance can be easily and inexpensively made between virtual branch accounts, so that it can be used without any distinction from large settlement to small settlement, and can be used for 24 hours on the Internet. Full transfer and transfer confirmation are possible. Also, the transfer will be reflected immediately,
In addition, there is no need to confirm the information by e-mail. Further, since the remittance is instructed by the other party's e-mail address or the mobile phone number, the remittance is possible without knowing the bank account number, and the burden on the user is reduced.

Further, an agreement is made with the partner who wants to split the bill via the web, a remittance request is issued by designating a considerable amount of money to the agreed party, and the splitting person and the virtual bank account owned by the partner are issued. By transferring a considerable amount of money, remittance can be easily and collectively made even if the partner to be split is located in a remote place, thereby facilitating management and further increasing convenience. In addition, issue a remittance request by designating a considerable amount of money to the person you want to collectively charge via the web, and transfer the substantial money between the claimant and the virtual bank account owned by the person by obtaining approval. Thereby, even if the party to be charged is located in a remote place, it is possible to easily and collectively make a request, facilitating management and further increasing convenience.

When making a payment on the virtual bank account on the website, the user inputs his / her authentication information and clicks a remittance button assigned to an arbitrary position on the website homepage of the website, thereby displaying the displayed amount. Is transferred to a pre-specified virtual account and funds are transferred between the virtual bank accounts, thereby facilitating settlement on the Internet and improving operability. Further, by acquiring authentication information of the remittance partner by communication between terminals such as wireless communication, and transferring funds between the virtual bank accounts based on the authentication information, remittance can be performed without error without being aware of the authentication information of the partner. be able to.

When depositing money from a plurality of bank real accounts owned by the user into the virtual account of the user, a transfer is made to the total virtual account owned by each bank, and the balance of the general virtual account is transferred according to the statement data. When withdrawing by specifying a certain bank real account, users must transfer funds from the general virtual account that exists in the designated bank to the bank real account owned by the user according to the statement data Thereby, generation of bank fees can be suppressed, and running costs can be reduced.

[Brief description of the drawings]

FIG. 1 is a block diagram showing an embodiment of a remittance system in a virtual bank of the present invention.

FIG. 2 is a block diagram showing a detailed configuration around a host center in FIG. 1;

FIG. 3 is a diagram cited for illustrating a basic concept of a remittance method in a virtual bank of the present invention.

FIG. 4 is a diagram cited for explaining the operation concept of the embodiment of the present invention, and is a diagram showing an example of remittance by split billing.

FIG. 5 is a diagram cited for explaining the operation concept of the embodiment of the present invention, and is a diagram showing an example of remittance by collective billing.

FIG. 6 is a diagram cited for explaining an operation concept of the embodiment of the present invention, and is a diagram showing an example of remittance by clicking a remittance button on a homepage.

FIG. 7 is a diagram cited for describing an operation concept of the embodiment of the present invention, and is a diagram illustrating an example of terminal-to-terminal authentication.

FIG. 8 is a diagram cited for explaining the operation concept of the embodiment of the present invention, and is a diagram showing an example in which remittance is performed using detailed data.

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 1 ... Bank, 2 ... Sender, 3 ... Recipient, 4 ... Internet (web), 5 ... Host center, 6 ... Credit card company, 10 ... Bank branch host, 11 ... Alpha branch, 12
... Internet branch (virtual bank), 13 ... β branch, 2
0 (30): user terminal, 50: virtual branch host, 51
... Control unit, 52 ... Communication control unit, 53 ... Storage unit, 60 ... Credit card company host, 121 ... Virtual bank account A,
122: virtual bank account B, 531: authentication database,
532: User information database, 533: Account information database, 534: External connection database

Continuation of the front page (72) Inventor Toshinori Watanabe 1-9-1 Konan, Minato-ku, Tokyo NTT Communicationware Co., Ltd. F-term (reference) 5B049 BB11 BB46 CC05 CC36 DD01 DD05 EE01 FF03 FF04 FF09 GG04 GG07 5B055 BB20 CB09 CC10 CC11 EE02 EE03 EE21 EE27 FA01 FB03 FB04 PA02 PA34

Claims (10)

[Claims] 1. Entering authentication information of a remittance source, logging in to a server, and designating authentication information of a remittee and a remittance amount to transfer funds between virtual bank accounts provided on the web. A remittance method in a virtual bank, in which, via the web, an agreement is reached with the party to be split, a remittance request is issued by designating a considerable amount of money to the party with the agreement, and the splitting party and the partner are divided. A remittance method in a virtual bank, wherein the substantial funds are transferred between the owned virtual bank accounts. 2. Transferring funds between virtual bank account accounts provided on the web by inputting authentication information of a remittance source, logging in to a server, and designating authentication information of a remittee and a remittance amount. A remittance method in a virtual bank, wherein a remittance request is issued by designating a considerable amount of money to the person who wishes to make a lump sum claim via the web, and with the approval, the requester himself and the virtual bank account owned by the other person are obtained. The method according to claim 1, wherein the transfer of the substantial amount of money is performed. 3. The remittance request is notified by e-mail, and the party receiving the notification performs settlement by approving a screen that appears by clicking a link of the e-mail. 3. The remittance method in the virtual bank according to 1 or 2. 4. Entering the authentication information of the remittance source, logging in to the server, and specifying the authentication information of the remittee and the remittance amount, to transfer funds between virtual bank account accounts provided on the web. , A remittance method in a virtual bank,
When performing payment on the virtual bank account at the website, enter your authentication information and click the remittance button assigned to an arbitrary position on the website homepage of the website, the displayed amount is specified in advance. Transferring money between said virtual bank accounts by transferring money to said virtual bank account. 5. The remittance method in a virtual bank according to claim 4, wherein authentication information of a remittance partner is obtained by terminal-to-terminal communication, and funds are transferred between the virtual bank accounts based on the authentication information. . 6. A virtual bank account for settlement on the web is provided, a remittance is performed by transferring funds between the virtual bank accounts, and the money is transferred to a real bank account and then cashed. A method of remittance in a virtual bank, wherein when depositing from a plurality of bank real accounts owned by a user to the virtual account of the user, a transfer is made to a comprehensive virtual account owned by each bank, and When managing the balance of the comprehensive virtual account for each user, and when the user specifies a certain bank real account and withdraws,
A remittance method in a virtual bank, wherein funds are transferred from a general virtual account existing in the designated bank to a real bank account owned by the user according to the detailed data. 7. A computer-readable recording medium storing a server program used in a remittance system in a virtual bank for providing a virtual bank account for performing settlement on the web and transferring funds between the virtual bank accounts, The server program receives, through the user terminal, the designation of the party to be split, issues guidance to the other party to obtain an agreement on the split, and after the agreement is obtained, receives the designation of the amount to be split and receives the split. Calculating the amount, receiving a remittance request using the authentication information of the remittee and the remittance amount as parameters, deducting the predetermined amount from the remittance source virtual bank account, and rewriting the predetermined amount to the remittance destination virtual bank account. Recording a server program for causing a computer to execute the step of depositing the remittance amount. 8. A computer-readable recording medium storing a server program used for a remittance system in a virtual bank for providing a virtual branch account for performing settlement on the web and transferring funds between the virtual branch accounts, The server program transmits a remittance request with the remittance destination authentication information and the remittance amount as parameters by designating the corresponding amount to the party to be charged in a lump sum via the user terminal; and Recording a server program for causing a computer to execute a step of withdrawing a predetermined amount of money and depositing the predetermined amount of money into a virtual bank account of a remittance destination. 9. A computer-readable recording medium storing a client program used for a remittance system in a virtual bank for providing a virtual bank account for performing payment on a web and transferring funds between the virtual bank accounts, A client program for prompting input of user authentication information via a user terminal when performing settlement on a website with a virtual bank account; and a remittance button assigned to an arbitrary position on a website of the website. Issuance of a remittance request for remitting the displayed amount to a pre-specified virtual account by clicking on the storage medium. 10. A virtual bank account for performing settlement on the web is provided, funds are transferred between the virtual bank accounts, and remittance is performed. Then, the funds are transferred to a real bank account and then cashed. In a computer-readable recording medium recording a server program used for a remittance system in a virtual bank, the server program is configured such that when depositing from a plurality of bank real accounts owned by a user into the virtual account of the user, A step of performing a transfer to a comprehensive virtual account owned by the bank and managing the balance of the comprehensive virtual account for each user according to the statement data, and when the user designates a certain bank real account and withdraws,
Recording a server program for causing a computer to execute a step of transferring funds from a comprehensive virtual account existing in the designated bank to a real bank account owned by the user according to the specification data.