JP2002163457A - Settlement system and method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a new settlement technology without requiring trouble nor costs. SOLUTION: Provided is a central processor 1 of a financial institution Mz connected to a central processor 2 of an institution Ms and a terminal device 3 of a customer Mk through a network and the central processor 1 has a communication means which is connected to the network and a control means which transfers a remittance amount from the account of a customer Mk to the account of the institution Ms according to information on the account of the customer Mk, information on the institution Ms, and identification information on the remittance and information on the sent amount and enables the communication means of the central processor 1 to send the identification information and amount of the remittance to the central processor 2, which has a communication means connected to the network and a control means 4 capable of increasing an amount by which the customer Mk can purchases at the institution Ms according to the discrimination information on the remittance and information on the remittance amount received from the central processor.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] The present invention relates to a settlement system and a settlement method.

[0002]

In recent years, many people have purchased goods (or services) online via the Internet or general public lines.

For example, a terminal device at home or work is connected to a central processing unit of a securities company, and stocks are purchased from the securities company.

[0004] However, when purchasing stock from a securities company online, it is necessary to deposit the price in advance at the securities company. Alternatively, a so-called securities account (MR
F: Money Reserve Fund) needed a balance for the price. Therefore, in order to purchase more than a certain amount of stock deposited with a securities company, the customer has to go to a financial institution and remittance to the account of the securities company, which takes time and effort. In a securities company,
In order to confirm whether or not the remittance was made, it was necessary to go to a financial institution and make a book, which took time and effort.

[0005] By the way, the price of stock changes every moment. That is, there are times when you want to buy stock right now. It would be advantageous to be able to purchase stock without going to a financial institution.

[0006] Accordingly, an object of the present invention is to provide a new settlement technique without any trouble and cost.

[0007]

An object of the present invention is to provide a system for performing a settlement process when a customer Mk purchases a product (or service) that is equal to or more than the amount deposited in an institution Ms. The system includes a central processing unit 1 of a financial institution Mz connected to a central processing unit 2 of an institution Ms and a terminal device 3 of a customer Mk via a network, and the central processing unit 1 is connected to the network. Based on the communication means and the information on the account in the name of the customer Mk, the information on the institution Ms, the identification information of the remittance, and the information on the remittance received from the terminal device 3, the remittance is transferred from the account in the name of the customer Mk to the institution Ms. And a control unit that allows the central processing unit 1 to transmit the identification information of the remittance and the information of the remittance to the central processing unit 2 toward the central processing unit 2. The central processing unit 2 has a communication unit connected to the network and an amount that the customer Mk can purchase at the institution Ms based on the remittance identification information and the remittance information received from the central processing unit 1. And a control means capable of increasing the number of payments.

[0008] With this configuration, it is possible to purchase the product (or service) when the user wants to purchase the product without trouble (cost) or time.

[0009] Another object of the present invention is to provide a system for performing a settlement process when a customer Mk purchases a product (or service) that is equal to or more than the amount deposited in the institution Ms. The central processing unit 1 of the engine Mz is connected to the central processing unit 1 via a network,
s, and a terminal device 3 connected to the central processing device 1 via a network and used by the customer Mk, wherein the terminal device 3 is a communication unit connected to the network. And control means capable of causing the communication means of the terminal device 3 to transmit the information on the account in the name of the customer Mk, the information on the institution Ms, the identification information of the remittance, and the information on the remittance to the central processing unit 1. The central processing unit 1 includes a communication unit connected to the network, and a client Mk received from the terminal device 3.
Based on the information on the account in the name, the information on the institution Ms, the identification information of the remittance, and the information on the remittance, the remittance amount is transferred from the account in the name of the customer Mk to the account in the institution Ms name, and the remittance identification information and Control means capable of transmitting the information on the remittance amount to the communication means of the central processing unit 1 toward the central processing unit 2, wherein the central processing unit 2 is provided with a communication unit connected to the network And a control means for increasing the amount that the customer Ms can purchase at the institution Ms based on the remittance identification information and the remittance information received from the central processing unit 1. Solved by

With this configuration, it is possible to use the terminal device 3 to purchase the product (or service) when the user wants to purchase the product without any trouble (cost) or time.

In particular, the control means of the central processing unit 1 comprises:
Based on the information on the account in the name of the customer Mk, the information on the institution Ms, and the information on the remittance received from the terminal device 3, the remittance is transferred from the account in the name of the customer Mk to the financial institution Mz.
Means for transmitting the remittance identification information and the remittance information received from the terminal device 3 to the central processing unit 2 to the communication means of the central processing unit 1 when transferred to the predetermined account It is characterized by.

By this means, it is possible to provide a product (or service) when the customer desires, without taking time (cost) or time.

The control means of the central processing unit 1 transfers the remittance amount transferred from the account in the name of the customer Mk to a predetermined account of the financial institution Mz from the predetermined account of the financial institution Mz to an account in the name of the institution Ms. It is characterized by having a means for making it.

When the control means of the central processing unit 2 receives from the terminal device 3 information indicating that the amount that can be purchased at the institution Ms has been increased, it generates remittance identification information,
There is provided a means for transmitting the generated remittance identification information and information on the institution Ms to the communication device of the central processing unit 2 toward the terminal device 3.

The terminal device 3 has input means,
The control unit of the terminal device 3 causes the communication unit of the terminal device 3 to transmit the information on the institution Ms and the identification information of remittance received from the central processing device 2 to the central processing device 1, and And means for transmitting the information on the account in the name of the customer Mk and the information on the remittance input by the input means to the communication means of the terminal device 3 toward the central processing unit 1.

The central processing unit 2 has storage means for storing information on the amount that the customer Mk can purchase at the institution Ms and remittance identification information associated with this information. The control means reads from the storage means of the central processing unit 2 information on the amount of money that the customer Mk associated with the remittance identification information received from the central processing unit 1 can purchase at the institution Ms, Based on the remittance information received from the central processing unit 1, the customer M
k has a purchase amount increasing means for increasing the amount that can be purchased by the institution Ms.

Further, the purchase amount increasing means of the control means of the central processing unit 2 transmits the information of the amount that the customer Mk associated with the remittance identification information received from the central processing unit 1 can purchase at the institution Ms to the central processing unit. The information is read from the storage unit of the processing device 2 and the information on the amount that can be purchased by the institution Ms by the customer Mk and the information on the remittance amount received from the central processing unit 1 are added. Is a means for obtaining an amount that can be purchased by the institution Ms.

Particularly, the information on the account in the name of the customer Mk is information including account number information and personal identification number information.

Further, the information on the institution Ms is information on an account number.

Further, the information on the engine Ms is identification information of the engine Ms.

Further, the commodity is a stock.

Further, the institution Ms is a securities company.

Further, the network is the Internet.

Alternatively, the above-mentioned problem is caused by a central processing unit (including a control unit and a communication unit) 1 and a central processing unit (including a control unit and a communication unit) connected to the central processing unit 1 via a network. 2 is a method for performing a settlement process using the terminal device 3 (including a control unit, a communication unit, and an input unit), wherein the control unit of the terminal device 3
Step 1 of transmitting information on the account in the name, information on the institution Ms, identification information on remittance and information on the remittance to the communication means of the terminal device 3 toward the central processing unit 1
01, the control unit of the central processing unit 1 causes the communication unit of the central processing unit 1 to receive the information transmitted in step 101, and the control unit of the central processing unit 1 Customer M received at
Based on the information on the account in the name of k, the information on the institution Ms, the identification information of the remittance, and the information on the remittance, the remittance is transferred from the account in the name of the customer Mk to the account in the institution Ms and the remittance identification information Transmitting the information on the remittance amount to the central processing unit 2 to the communication means of the central processing unit 1;
The control means causes the communication means of the central processing unit 2 to receive the information transmitted in the step 103 in the step 1
04, and a step 105 in which the control means of the central processing unit 2 increases the amount that the customer Mk can purchase at the institution Ms based on the remittance identification information and the information on the remittance received in the step 104. The settlement method is characterized by the following.

By these steps, labor (cost)
The user can purchase the product (or service) when he / she wants to purchase it without spending much time.

In particular, step 103 of the settlement method comprises:
The control means of the central processing unit 1
Information on the account in the name of the customer Mk received by the institution Ms
Information on the remittance received from the terminal device 3 when the remittance is transferred from the account in the name of the customer Mk to the predetermined account of the financial institution Mz based on the information on the remittance and the information on the remittance. 20 is transmitted to the communication means of the central processing unit 1 toward the central processing unit 2
1 and a step 202 in which the control means of the central processing unit 1 moves the remittance moved in the step 201 from a predetermined account of the financial institution Mz to an account in the name of the institution Ms.

By these steps, labor (cost)
Products (or services) can be provided when the customer desires without spending time or time.

Further, the settlement method includes the steps of:
When the control means receives information from the terminal device 3 indicating that the amount that can be purchased by the institution Ms is to be increased, the step 301 of generating remittance identification information, and the control means of the central processing unit 2 comprises: The central processing unit 2 sends the remittance identification information generated in step 301 to the terminal device 3.
And transmitting to the communication means.

Further, the settlement method is the same as that of the central processing unit 2
Of the terminal device 3
A step 401 in which the communication means of the central processing unit 2 transmits the information to the control unit of the terminal device 3; and a step 402 in which the control means of the terminal device 3 causes the communication means of the terminal device 3 to receive the information transmitted in the step 302. Step 403 where the control means of the terminal device 3 causes the communication means of the terminal device 3 to receive the information transmitted in step 401
And the information on the account in the name of the customer Mk is stored in the terminal device 3.
Step 404, which is input by the input unit of the terminal device 3, and Step 4, in which the information of the remittance amount is input by the input unit of the terminal device 3
05 and the control means of the terminal device 3
02: transmitting the identification information of the remittance received in step 02 to the central processing unit 1 to the communication means of the terminal device 3; and transmitting the information on the institution Ms received by the control device of the terminal device 3 in step 403. 407 to the communication means of the terminal device 3 toward the central processing unit 1, and the control means of the terminal device 3 executes the central processing on the information on the account in the name of the customer Mk input in the step 404. Step 408 of transmitting the communication amount of the terminal device 3 to the communication unit of the terminal device 3 toward the device 1, and the control unit of the terminal device 3 transmits the information on the remittance amount input in the step 405 to the central processing unit 1 Device 3
And step 409 of causing the communication means to transmit.

The central processing unit 2 includes storage means for storing information on the amount that the customer Ms can purchase at the institution Ms and remittance identification information associated with the information. The control means of the central processing unit 2 reads, from the storage means of the central processing unit 2, information on the amount that the customer Ms associated with the remittance identification information received in step 104 can be purchased at the institution Ms. The method further comprises a step 501 of increasing the amount that the customer Ms can purchase at the institution Ms based on the information and the information on the remittance amount received in the step 104.

In the step 501 of the settlement method, the control means of the central processing unit 2 transmits the information of the amount that the customer Ms associated with the remittance identification information received in the step 104 can purchase at the institution Ms. The information read from the storage means of the central processing unit 2 is added to the information on the amount that can be purchased by the institution Ms by the read customer Ms and the information on the remittance amount received in step 104, and the amount of this addition is added to the customer Ms
Is a step of setting an amount that can be purchased by the institution Ms.

[0032]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS The settlement system of the present invention
products (or services) equal to or greater than the amount deposited in s
k is a system for performing a settlement process when a purchase is made, the system comprising an institution M via a network
s central processing unit 2 and a central processing unit 1 of the financial institution Mz connected to the terminal device 3 of the customer Mk, wherein the central processing unit 1 comprises communication means connected to the network; Based on the information on the account in the name of the customer Mk, the information on the institution Ms, the identification information of the remittance, and the information on the remittance received from the customer, the remittance amount is transferred from the account in the name of the customer Mk to the account in the institution Ms name, Control means for transmitting the identification information of the remittance and the information on the remittance amount to the communication means of the central processing unit 1 toward the central processing unit 2;
Is a communication unit connected to the network, and a control unit capable of increasing the amount that the customer Mk can purchase at the institution Ms based on the remittance identification information and the remittance information received from the central processing unit 1. And Alternatively, the settlement system according to the present invention is a system for performing settlement processing when a customer Mk purchases a product (or service) that is equal to or more than the amount deposited in the institution Ms, wherein the system is a financial institution The central processing unit 1 of Mz, the central processing unit 2 connected to the central processing unit 1 via a network and used by the engine Ms, and the central processing unit 1 connected to the central processing unit 1 via a network and used by the customer Mk Terminal device 3
The terminal device 3 includes communication means connected to the network, information on an account in the name of the customer Mk,
Control means capable of causing the communication means of the terminal device 3 to transmit information on the institution Ms, identification information of remittance, and information of the remittance amount to the central processing unit 1, and the central processing unit 1 Based on the communication means connected to the network and the information on the account in the name of the customer Mk, the information on the institution Ms, the identification information of the remittance and the information on the remittance received from the terminal device 3,
A control means capable of causing a deposit processing from a name account to an account in the name of the institution Ms to transmit the remittance identification information and the remittance information to the central processing unit 2 to the communication means of the central processing unit 1. The central processing unit 2 includes a communication unit connected to the network, and a client Ms purchasing at the institution Ms based on the remittance identification information and the remittance information received from the central processing unit 1. Control means that can increase the amount of money that can be obtained. In particular,
Based on the information on the account in the name of the customer Mk, the information on the institution Ms, and the information on the remittance received from the terminal device 3, the control means of the central processing unit 1 converts the remittance from the account in the A means for transmitting the remittance identification information and the information of the remittance received from the terminal device 3 to the central processing unit 2 to the communication means of the central processing unit 1 when moved to the predetermined account of Mz. .
The control means of the central processing unit 1 includes means for transferring the remittance amount transferred from the account in the name of the customer Mk to the predetermined account of the financial institution Mz from the predetermined account of the financial institution Mz to an account in the name of the institution Ms. Have. Also, the central processing unit 2
When the control means receives information from the terminal device 3 that the amount that can be purchased at the institution Ms has been increased, the remittance identification information is generated, and the generated remittance identification information and information about the institution Ms are generated. There is provided a means for causing the communication means of the central processing unit 2 to transmit to the terminal device 3. Further, the terminal device 3 has an input unit, and the control unit of the terminal device 3 sends the information on the institution Ms received from the central processing unit 2 and the identification information of remittance to the central processing unit 1. The communication means of the terminal device 3 transmits the information relating to the account in the name of the customer Mk and the information of the remittance amount input by the input means of the terminal device 3 to the communication means of the terminal device 3 toward the central processing unit 1. It has means for transmitting. The central processing unit 2 has storage means for storing information on the amount that the customer Mk can purchase at the institution Ms and remittance identification information associated with this information. Reads from the storage means of the central processing unit 2 information on the amount that the customer Mk associated with the remittance identification information received from the central processing unit 1 can purchase at the institution Ms, and reads the read information and the central processing There is a purchase amount increasing means for increasing the amount that the customer Mk can purchase at the institution Ms based on the information on the remittance amount received from the device 1. Further, the purchase amount increasing means of the control means of the central processing unit 2 transmits information of an amount that the customer Mk associated with the remittance identification information received from the central processing unit 1 can purchase at the institution Ms to the central processing unit 2. And the information of the amount that can be purchased by the institution Ms by the read customer Mk,
This is a means for adding the information on the remittance amount received from the central processing unit 1 and making the amount of this addition the amount that the customer Mk can purchase at the institution Ms. For example, the information about the account in the name of the customer Mk is information including account number information and password information, the information about the institution Ms is information about an account number, and the information about the institution Ms is: Identification information of the institution Ms, the product is a stock,
The institution Ms is a securities company, and the network is the Internet.

The settlement method of the present invention includes a central processing unit (including control means and communication means) 1 and a central processing unit (including control means and communication means) connected to the central processing apparatus 1 via a network. 2 is a method for performing a settlement process using the terminal device 3 (including a control unit, a communication unit, and an input unit), wherein the control unit of the terminal device 3
Step 1 of transmitting information on the account in the name, information on the institution Ms, identification information on remittance and information on the remittance to the communication means of the terminal device 3 toward the central processing unit 1
01, the control unit of the central processing unit 1 causes the communication unit of the central processing unit 1 to receive the information transmitted in step 101, and the control unit of the central processing unit 1 Customer M received at
Based on the information on the account in the name of k, the information on the institution Ms, the identification information of the remittance, and the information on the remittance, the remittance is transferred from the account in the name of the customer Mk to the account in the institution Ms and the remittance identification information Transmitting the information on the remittance amount to the central processing unit 2 to the communication means of the central processing unit 1;
The control means causes the communication means of the central processing unit 2 to receive the information transmitted in the step 103 in the step 1
04, and a step 105 in which the control means of the central processing unit 2 increases the amount that the customer Mk can purchase at the institution Ms based on the remittance identification information and the information on the remittance received in the step 104. In particular, in step 103 of the settlement method, the control means of the central processing unit 1 executes the remittance based on the information on the account in the name of the customer Mk, the information on the institution Ms, and the information on the remittance received in step 102. From an account in the name of customer Mk to financial institution Mz
A step 201 of transmitting the remittance identification information and the remittance information received from the terminal device 3 to the central processing unit 2 to the communication means of the central processing unit 1 when the transfer is made to the predetermined account. The control means of the central processing unit 1 has a step 202 of moving the remittance moved in the step 201 from a predetermined account of the financial institution Mz to an account in the name of the institution Ms. Further, the settlement method includes a step of generating remittance identification information when the control means of the central processing unit 2 receives, from the terminal device 3, information indicating that the amount that can be purchased at the institution Ms is to be increased, and Step 302 of causing the control means of the central processing unit 2 to transmit the remittance identification information generated in step 301 to the communication means of the central processing unit 2 toward the terminal device 3.
And In addition, the settlement method is the same as that of the central processing unit 2.
Of the terminal device 3
A step 401 in which the communication means of the central processing unit 2 transmits the information to the control unit of the terminal device 3; and a step 402 in which the control means of the terminal device 3 causes the communication means of the terminal device 3 to receive the information transmitted in the step 302. Step 403 where the control means of the terminal device 3 causes the communication means of the terminal device 3 to receive the information transmitted in step 401
And the information on the account in the name of the customer Mk is stored in the terminal device 3.
Step 404, which is input by the input unit of the terminal device 3, and Step 4, in which the information of the remittance amount is input by the input unit of the terminal device 3
05 and the control means of the terminal device 3
02: transmitting the identification information of the remittance received in step 02 to the central processing unit 1 to the communication means of the terminal device 3; and transmitting the information on the institution Ms received by the control device of the terminal device 3 in step 403. 407 to the communication means of the terminal device 3 toward the central processing unit 1, and the control means of the terminal device 3 executes the central processing on the information on the account in the name of the customer Mk input in the step 404. Step 408 of transmitting the communication amount of the terminal device 3 to the communication unit of the terminal device 3 toward the device 1, and the control unit of the terminal device 3 transmits the information on the remittance amount input in the step 405 to the central processing unit 1 Device 3
Step 409 of causing the communication means to transmit.
Further, the central processing unit 2 includes storage means for storing information on the amount that the customer Ms can purchase at the institution Ms and remittance identification information associated with this information. The control means of the device 2 performs step 1
Customer M associated with the remittance identification information received at 04
s is read from the storage unit of the central processing unit 2 based on the read information and the information on the remittance received in step 104, and the customer Ms purchases the information at the institution Ms. Step 5 to increase the amount you can do
01. Step 501 of the settlement method includes:
The control means of the central processing unit 2
Is read from the storage means of the central processing unit 2 by the customer Ms associated with the remittance identification information received by the institution Ms.
Is added to the information on the amount of money that can be purchased at step 104 and the information on the remittance amount received at step 104,
This is a step of setting s as the amount that can be purchased at the institution Ms.

Hereinafter, a more detailed description will be given with reference to FIGS.

FIG. 1 is a configuration diagram of a settlement system according to the present invention. FIG. 2 is a settlement table 2B1 according to the present invention. FIG. 3 is an account table 1B1 according to the present invention. FIG. 4 is an example of a screen according to the present invention. FIG.
5 is a flowchart according to the present invention.

In each figure, reference numeral 1 denotes a central processing unit, which is installed, for example, at an information center of a financial institution Mz.
The central processing unit 1 includes a control unit (for example, MPU: Mic
roProcessing Unit) 1A, storage means (for example, ROM, RAM and / or HDD) 1B storing programs executed by the control means 1A, input means (for example, keyboard, mouse and / or touch panel) 1C, communication means ( For example, modem and / or TA)
1D and an output means (for example, a monitor and / or a printer) 1E.

Reference numeral 2 denotes a central processing unit, for example, a securities company (institution Ms) to which goods (or services) are provided.
It was set up at an information center. The central processing unit 2 includes a control unit (for example, MPU: Micro Pro)
sessing Unit) 2A, storage means (for example, RO) in which programs executed by the control means 2A are stored.
M, RAM and / or HDD) 2B, input means (for example, keyboard and / or touch panel) 2C, communication means (for example, modem and / or TA) 2D, and output means (for example, monitor and / or printer) 2E. .

Reference numeral 3 denotes a terminal device, for example, a personal computer of the customer Mk. The terminal device 3 includes a control unit (for example, MPU: Micro Processin).
gUnit) 3A, storage means (for example, ROM, RAM and / or HDD) 3B in which programs executed by the control means 3A are stored, input means (for example, keyboard and / or touch panel) 3C, communication means (for example, modem) And / or TA) 3D and output means (eg, monitor and / or printer) 3E.

Next, each component of the present invention will be described in detail.

The communication means 1D of the central processing unit 1 communicates with the communication means 2D of the central processing unit 2 via a network. This network is, for example, the Internet.

The communication means 1D of the central processing unit 1 and the communication means 3D of the terminal device 3 communicate via a network. This network is, for example, the Internet.

The communication means 2D of the central processing unit 2 and the communication means 3D of the terminal device 3 communicate via a network. This network is, for example, the Internet.

The storage means 2B of the central processing unit 2 stores the customer M
k, customer Mk identification information, customer Mk first password information, customer Mk second password information, balance information, tradable amount information, and remittance identification information And a settlement table 2B1 in which the information is associated with the information on the estimated remittance amount.

Here, the information on the customer Mk is information such as the name, address, telephone number, etc. of the customer Mk registered in the securities company (institution Ms). For example, as shown in FIG. 2, "Name: Taro Miwa Address: Tokyo *** Phone number: 03-****-*****", "Name: Hanako Miwa Address: Osaka Prefecture ***" Phone number: 06-****-
*** ".

The identification information of the customer Mk is identification information of the customer Mk when the terminal device 3 logs into the central processing unit 2, and is a so-called user ID assigned to the customer Mk by a securities company (institution Ms). For example, as shown in FIG. 2, the identification information of the customer Mk (Taro Miwa) is “S001”, and the identification information of the customer Mk (Hanako Miwa) is “S002”.
It is.

The information of the first password of the customer Mk is
This is information for confirming the identity of the customer Mk when the central processing unit 2 logs in the terminal device 3, and is information of a so-called login password given to the customer Mk by a securities company (institution Ms). For example, as shown in FIG.
(Taro Miwa) 's first password information is “s56
9 ", and the information of the first password of the customer Mk (Hanako Miwa) is" s257 ".

The information of the second password of the customer Mk is
This is information on a so-called personal identification number when the customer Mk requests the securities company (institution Ms) to buy and sell stocks, and is information on a personal identification number determined by the customer Mk. For example, as shown in FIG.
The information of the second password of the customer Mk (Taro Miwa) is “5964”, and the information of the second password of the customer Mk (Hanako Miwa) is “7257”.

The information on the balance is information on the amount deposited by the customer Mk at the securities company (institution Ms). For example, as shown in FIG. 2, the information of the balance of the customer Mk (Taro Sanwa) is "8
And the balance information of the customer Mk (Hanako Miwa) is "500,000 yen".

The information on the possible transaction amount is information on the amount by which the customer Mk can purchase shares from a securities company (institution Ms). Specifically, it is information on the sum of information on the balance of the customer Mk and information on the amount remitted by the customer Mk to the securities company (institution Ms). For example, as shown in FIG.
(Taro Sanwa) 's information on the transactionable amount is “800,000 yen”, and the information on the transactionable amount of the customer Mk (Hanako Miwa) is “5
$ 100,000 ".

The remittance identification information is information for the control means 2A of the central processing unit 2 to identify a remittance from the customer Mk, and is generated by a serial number so as to be unique information for each remittance. For example, as shown in FIG. 2, the identification information of the remittance of the customer Mk (Taro Sanwa) is “0001”. Note that the customer Mk (Hanako Miwa) has no remittance schedule, and thus has no remittance identification information yet.

The information on the scheduled remittance amount is information on the amount scheduled to be remitted by the customer Mk to the securities company (institution Ms). For example, as shown in FIG. 2, the information on the estimated remittance amount of the customer Mk (Taro Sanwa) is "200,000 yen", and the information on the estimated remittance amount of the customer Mk (Hanako Sanwa) is "0 yen". .

The storage means 2B of the central processing unit 2
The identification information “K001” of the securities company (institution Ms) registered with the financial institution Mz, and the name of the securities company (institution Ms) “○
The information of the securities company and the information of the account number “Nihonbashi branch 1234567” of the account in the name of the securities company (institution Ms) are stored.

Here, the identification information of the securities company (institution Ms) is information given by the financial institution Mz and is given to the institution Ms participating in the service provided by the present invention.

The storage means 1B of the central processing unit 1 stores the customer M
k, identification information of the customer Mk, information on the first password of the customer Mk, information on the account number of the customer Mk, information on the second password of the customer Mk, and information on the balance. The account table 1B1 is stored.

Here, the information on the customer Mk is information such as the name, address, telephone number, etc. of the customer Mk registered in the financial institution Mz. For example, as shown in FIG. 3, "Name: Taro Miwa Address: Tokyo *** Phone number: 03
− ********-**** ”,“ Name: Hanako Miwa Address:
Osaka *** Phone number: 06-****-****
It is.

The identification information of the customer Mk is identification information of the customer Mk when the terminal device 3 logs in to the central processing unit 1, and is a so-called user ID assigned to the customer Mk by the financial institution Mz. For example, as shown in FIG.
The identification information of (Taro Miwa) is “Z001”, and the identification information of the customer Mk (Hanako Miwa) is “Z002”.

The information of the first password of the customer Mk is
This is information for confirming the identity of the customer Mk when the central processing unit 1 logs in the terminal device 3, and is a so-called login password given by the financial institution Mz to the customer Mk. For example, as shown in FIG. 3, customer Mk (Taro Miwa)
Is the first password “z678” and the customer Mk
The first password of (Miwa Hanako) is “z461”.

The information on the account number of the customer Mk is information on the account number of an account in the name of the customer Mk established at the financial institution Mz. For example, as shown in FIG. 3, the information of the account number of the customer Mk (Taro Sanwa) is “Nihonbashi branch 456 * 8
79 ", and the information on the account number of the customer Mk (Hanako Miwa) is" Umeda Branch 657 * 547 ".

The information of the second password of the customer Mk is
This is the information of the so-called personal identification number of the account in the name of the customer Mk established at the financial institution Mz, and is the information determined by the customer Mk. For example, as shown in FIG. 3, the second password of the customer Mk (Taro Sanwa) is “3547”,
The second password of k (Hanako Miwa) is “6725”.

The information on the balance is the information on the balance of the account in the name of the customer Mk established at the financial institution Mz. For example, as shown in FIG. 3, the balance information of the customer Mk (Taro Sanwa) is “300,000 yen”, and the balance information of the customer Mk (Hanako Miwa) is “100,000 yen”.

The storage means 1B of the central processing unit 1
Securities company (institution Ms) granted to securities company (institution Ms)
"K001" and the account number information of an account in the name of a securities company (institution Ms) "Nihonbashi Branch 123456"
7 "in association with each other.

Next, for concrete explanation, the customer Mk
(Taro Sanwa) shares in a securities company (institution Ms) (brand: △△ number of shares: 1,000 shares value: 1 million yen)
Will be described as purchasing.

First, the customer Mk (Taro Sanwa) starts a WWW (World Wide Web) browser on the terminal device 3 and subsequently, a modem (communication means 3) of the terminal device 3
D) dial up to connect to the Internet. Next, the customer Mk (Taro Sanwa) sends the request to the central processing unit 2
(Website of securities company) URL (Uniform)
Resource Locator) "http: //
/ Www. **** "is input using the keyboard (input means 3C) of the terminal device 3. Thereby, the terminal device 3
And the central processing unit 2 are connected via the Internet.

The control means 2A of the central processing unit 2 that has learned that the terminal device 3 has been connected, sends the HTML
(Hyper Text Markup Langua
ge) to the communication device 2D toward the terminal device 3.

HTM of the login screen from the central processing unit 2
The control unit 3A of the terminal device 3 that has received L causes the monitor (output unit 3E) to display the received login screen. The customer Mk (Taro Sanwa) who sees this display finds the identification information “S00
The information of "1" and the first password "s569" is input using the keyboard (input means 3C) of the terminal device 3. The control unit 3A of the terminal device 3 transmits the input identification information “S001” of the customer Mk (Taro Miwa) and the first password “s
569 ”to the central processing unit 2 via the communication unit 3D
To be sent.

The control means 2A of the central processing unit 2 causes the communication means 2D to receive the identification information "S001" of the customer Mk (Taro Sanwa) and the information of the first password "s569" transmitted from the terminal device 3. .

The control means 2 A of the central processing unit 2 identifies the customer Mk (Taro Sanwa) received from the terminal device 3 with the identification information “S
The information of the first password associated with “001” is read from the payment table 2B1. And the central processing unit 2
The control means 2A compares the information of the first password “s569” read from the payment table 2B1 with the information of the first password “s569” received from the terminal device 3, and as a result of the comparison, Since the password “s569” read from 2B1 is the same as the first password “s569” received from the terminal device 3,
It is determined that the customer Mk (Taro Miwa) has been confirmed as the person himself. When the control unit 2A of the central processing unit 2 determines that the customer Mk (Taro Miwa) has been confirmed as the principal, the control unit 2A logs in the terminal device 3.

Here, the control means 2A of the central processing unit 2
Determines that the customer Mk (Taro Miwa) cannot be confirmed as the principal when the information of the first password read from the settlement table 2B1 and the information of the first password received from the terminal device 3 are different. The password is re-entered, and the information that "the re-entered password has been transmitted" is transmitted to the communication unit 2D toward the terminal device 3. The control unit 2A of the central processing unit 2 logs out the terminal device 3 when the information of the first password received from the terminal device 3 is different three times in a row. That is, the central processing unit 2
Control means 2A cuts off the connection with the terminal device 3.

When the terminal device 3 logs in, the control means 2A of the central processing unit 2 causes the communication means 2D to transmit the HTML of the menu screen to the terminal device 3.

HT of the stock transaction screen from the central processing unit 2
The control unit 3A of the terminal device 3 that has received the ML causes the monitor (output unit 3E) to display the received menu screen. For example, as a menu screen, “1.
2. The information of "balance inquiry" is displayed on the monitor (output unit 3E). The customer Mk (Taro Miwa) who sees this display inputs “2” using the keyboard. Thereby, the terminal device 3
Is input from the keyboard to the control means 3A. That is, the control means 3A of the terminal device 3 knows that the information of "2. balance inquiry" has been selected. Then, the control unit 3A of the terminal device 3 sets “2.
Information indicating that balance inquiry has been selected is transmitted to the central processing unit 2 by the communication means 3D.

The control means 2A of the central processing unit 2 having received the information of "2. The balance inquiry has been selected" causes the communication means 2D to transmit the HTML of the balance inquiry screen to the terminal device 3.

HTM of balance inquiry screen from central processing unit 1
The control means 3A of the terminal device 3 which has received L causes the monitor (output means 3E) to display the received balance inquiry screen. For example, as shown in a screen 41 of FIG. 4, information of “securities balance 800,000 yen, fund transfer amount 0 yen, tradable amount 800,000 yen 1. stock transaction screen 2. fund increase (remittance)” is monitored as a balance inquiry screen. (Output means 3E). The customer Mk (Taro Sanwa) who saw this display displayed “2” on the keyboard.
Enter Thus, information indicating that “2” has been pressed from the keyboard is input to the control unit 3A of the terminal device 3. That is, the control unit 3A of the terminal device 3
It is known that the information of "2. Fund increase (remittance)" has been selected. Then, the control means 3A of the terminal device 3 sends the information of “2.
To the communication means 3D.

"2. Information that fund increase (remittance) has been selected"
The control means 2A of the central processing unit 2 which has received the information of (1) generates remittance identification information. Then, the control unit 2A of the central processing unit 2 identifies the generated remittance identification information “000”.
"1" is stored in the settlement table 2B1.

Next, the control means 2A of the central processing unit 2
The identification information “K001” of the securities company (institution Ms) and the information of the name of the securities company (institution Ms) “XX securities company” are read from the storage unit 2B. The control means 2A of the central processing unit 2 stores information on the account number "Nihonbashi Branch 1234567" of the account in the name of the securities company (institution Ms).
Read from

The control means 2A of the central processing unit 2 generates the identification information "0001" of the generated remittance, the identification information "K001" of the securities company (institution Ms) read from the storage means 2B,
Information on the name of the securities company (institution Ms) “XX securities company”, information on the account number of the account in the name of the securities company (institution Ms) “Nihonbashi branch 1234567”, and HT on the fund increase screen
The communication unit 2D transmits the ML to the terminal device 3.

The central processing unit 2 sends remittance identification information "00
01 ”, the identification information of the securities company (institution Ms)“ K00
1, a terminal device that receives information on the name of the securities company (institution Ms) “XX securities company”, information on the account number “Nihonbashi branch 1234567” of the account in the name of the securities company (institution Ms), and HTML on the fund increase screen The third control means 3A displays the received fund increase screen on a monitor (output means 3E). For example, as shown in a screen 42 of FIG. On the monitor (output means 3E). The customer Mk (Taro Sanwa) who sees this display inputs information on the amount of money transferred, "200,000", using the keyboard. As a result, the information of the amount of money transfer "200,000" is input to the control means 3A of the terminal device 3 from the keyboard.

Next, the customer (Taro Sanwa) inputs "1" using the keyboard. Accordingly, information indicating that “1” has been pressed from the keyboard is input to the control unit 3A of the terminal device 3. That is, the control unit 3A of the terminal device 3
Knows that the information of "1. execution" has been selected.

The control means 3A of the terminal device 3 that has learned that the information of “1.
The terminal device 3 is connected to the central processing unit 1 based on the RL. For example, the URL of the central treatment apparatus 1 is linked to the icon of “1. Execute” on the screen 42. Thereby, the terminal device 3 and the central processing unit 1 can be connected.

When the control means 1A of the central processing unit 1 having learned that the terminal device 3 has been connected, the control unit 1A displays the HTML of the login screen.
To the communication device 1D toward the terminal device 3.

The HTM of the login screen from the central processing unit 1
The control unit 3A of the terminal device 3 that has received L causes the monitor (output unit 3E) to display the received login screen. For example, information of “homepage ID of financial institution Mz: password: 1. execution 2. cancellation” is displayed on the monitor (output unit 3E) as a login screen. The customer Mk (Taro Sanwa) who sees this display inputs the identification information “Z001” and the information of the first password “z678” of the customer Mk (Taro Sanwa), which are known in advance, to the keyboard (input) of the terminal device 3. Input by means 3C).

Next, the customer Mk (Taro Miwa) inputs "1" using the keyboard. Accordingly, information indicating that “1” has been pressed from the keyboard is input to the control unit 3A of the terminal device 3. That is, the control unit 3A of the terminal device 3 knows that the information of “1. execution” has been selected.

When the control means 3A of the terminal device 3 having learned that the information of "1.
(Taro Miwa) identification information “Z001” and information of the first password “z678” are transmitted to the communication unit 3D toward the central processing unit 1.

The control means 1A of the central processing unit 1 causes the communication means 1D to receive the identification information "Z001" and the first password "z678" of the customer Mk (Taro Sanwa) transmitted from the terminal device 3. .

The control means 1 A of the central processing unit 1 identifies the identification information “Z” of the customer Mk (Taro Sanwa) received from the terminal device 3.
001 ”is read from the account table 1B1. And the central processing unit 1
The control means 1A compares the information of the first password “z678” read from the account table 1B1 with the information of the first password “z678” received from the terminal device 3, and as a result of the comparison, Since the password “z678” read from 1B1 is the same as the first password “z678” received from the terminal device 3,
It is determined that the customer Mk (Taro Miwa) has been confirmed as the person himself. When the control means 1A of the central processing unit 1 determines that the customer Mk (Taro Miwa) has been confirmed as the principal, the control means 1A logs in the terminal device 3.

Here, the control means 1A of the central processing unit 1
Determines that the customer Mk (Taro Sanwa) cannot be identified as the principal when the information of the first password read from the account table 1B1 and the information of the first password received from the terminal device 3 are different. The password is re-entered, and the information that "the re-entered password has been transmitted" is transmitted to the communication means 1D toward the terminal device 3. The control unit 1A of the central processing unit 1 logs out the terminal device 3 when the information of the first password received from the terminal device 3 is different three times in a row. That is, the central processing unit 1
Control means 1A cuts off the connection with the terminal device 3.

When the terminal device 3 logs in, the control means 1A of the central processing unit 1 causes the communication means 1D to transmit the HTML of the account transfer screen to the terminal device 3.

HTM of the account transfer screen from the central processing unit 1
The control unit 3A of the terminal device 3 that has received the L causes the monitor (output unit 3E) to display the received account transfer screen. For example, as shown in a screen 43 of FIG. On the monitor (output means 3E). The customer Mk (Taro Sanwa) who sees this display reads the account number “Nihonbashi branch 456 * 87” of the account in the name of the customer Mk (Taro Sanwa).
9, information on the remittance amount “200,000 yen”, and information on the second password “3547” are input using the keyboard (input means 3C) of the terminal device 3.

Next, the customer Mk (Taro Miwa) inputs "1" using the keyboard. Accordingly, information indicating that “1” has been pressed from the keyboard is input to the control unit 3A of the terminal device 3. That is, the control unit 3A of the terminal device 3 knows that the information of “1. execution” has been selected.

The control means 3A of the terminal device 3 having learned that the information of "1. execution" is selected, the information of "1. execution is selected" and the input customer Mk (Taro Sanwa) )
Account number of the name of the account "Nihonbashi branch 456 * 879"
, The information of the remittance "200,000 yen" and the information of the second password "3547" to the central processing unit 1 by the communication means 3D. Also, the control means 3 of the terminal device 3
A is the remittance identification information “0” received from the central processing unit 2.
001 "and the identification information of the securities company (institution Ms)" K00
1 ”, the information of the name of the securities company (institution Ms)“ XX securities company ”and the information of the account number of the account in the name of the securities company (institution Ms)“ Nihonbashi branch 1234567 ”are sent to the central processing unit 1 by the communication means 3D. To be sent.

The control means 1A of the central processing unit 1 transmits the information “1. execution is selected” transmitted from the terminal device 3 and the account number of the account in the name of the customer Mk (Taro Sanwa) “Nihonbashi Branch 456 * 879 ”information, remittance amount“ 200,000 yen ”information, second password“ 3547 ”information,
Remittance identification information "0001" and securities company (institution Ms)
The communication means 1D communicates the identification information "K001", the information of the name of the securities company (institution Ms) "XX securities company", and the information of the account number of the account in the name of the securities company (institution Ms) "Nihonbashi branch 1234567". To receive.

The control means 1A of the central processing unit 1 transmits the second password associated with the information of the account number “Nihonbashi branch 456 * 879” of the account in the name of the customer Mk (Taro Sanwa) received from the terminal device 3. The information is read from the account table 1B1 of the storage means 1B. Then, the control means 1A of the central processing unit 1 reads the second table read from the account table 1B1.
Is compared with the information of the second password "3547" received from the terminal device 3, and the password "354" read from the account table 1B1 is compared.
If the information of the second password “3547” received from the terminal device 3 is the same as the information of the customer Mk
(Taro Miwa) is determined to have been confirmed as the person himself.

[0092] When the information of the second password read from the account table 1B1 is different from the information of the second password received from the terminal device 3, the control means 1A of the central processing unit 1 determines whether the customer Mk (3 Taro) cannot be identified as the person himself. That is, the transfer described below is not accepted.

When the customer Mk (Taro Sanwa) is determined to be the principal, the control means 1A of the central processing unit 1 switches the account under the name of the customer Mk (Taro Sanwa) from the account under the name of the financial institution Mz (for example, the financial institution Mz). Is an account that manages and temporarily stores the amount deducted from the customer Mk).
To move. Then, the new balance “10 (= 30−2)
0) Ten thousand yen ”is stored in the account table 1B1.

The control means 1A of the central processing unit 1 which has transferred the remittance amount "200,000 yen" from the account in the name of the customer Mk (Taro Sanwa) to the account in the name of the financial institution Mz, transfers the "200,000 yen" remittance. The terminal device 3 transmits the information that the account has been transferred from the account in the name of the customer Mk (Taro Sanwa) to the account in the name of the financial institution Mz, the identification information "0001" of the remittance received from the terminal device 3, and the HTML of the confirmation screen. To the communication means 1D.

From the central processing unit 1, "the remittance amount" 200,000 yen "
From an account in the name of customer Mk (Taro Sanwa) to financial institution Mz
The control means 3A of the terminal device 3 which has received the information "moving to the account in the name", the remittance identification information "0001", and the HTML of the confirmation screen monitors the received confirmation screen (output means 3E). To be displayed. For example, as shown in the screen 44 of FIG. 4, the confirmation screen "Remittance has been accepted.

1. Inquiry of balance (XX securities company) 2. The information of "cancel" is displayed on the monitor (output means 3E). The customer Mk (Taro Sanwa) who saw this display displayed “1” on the keyboard.
Enter Accordingly, information indicating that “1” has been pressed from the keyboard is input to the control unit 3A of the terminal device 3. That is, the control unit 3A of the terminal device 3
It is known that the information of "1. execution" has been selected.

When the control means 3A of the terminal device 3 having learned that the information of "1. execution" is selected, the control device 3A of the central treatment device 2
The terminal device 3 is connected to the central processing unit 2 based on the RL. For example, the URL of the central processing unit 2 is linked to the icon of “1. Balance inquiry (XX securities company)” on the screen 44. Thereby, the terminal device 3 and the central processing unit 2 can be connected.

The control means 3A of the terminal device 3 connected to the central processing unit 2 converts the “remittance“ 200,000 yen ”” received from the central processing unit 1 from the account in the name of the customer Mk (Taro Sanwa) to the name of the financial institution Mz. Is transferred to the central processing unit 2 and the communication means 3D.

The control means 2A of the central processing unit 2 transmits the “remittance amount“ 200,000 yen ”transmitted from the terminal device 3 to the customer Mk.
(Taro Sanwa) Transferred from an account in the name of the financial institution to an account in the name of the financial institution Mz "and the remittance identification information" 0001 "
To the communication means 2D. As a result, the control unit 2A of the central processing unit 2 transmits the “remittance“ 200,000 yen ”transmitted from the central processing unit 1 via the terminal device 3 to the customer Mk.
(Taro Sanwa) Transferred from an account in the name of the financial institution to an account in the name of the financial institution Mz "and the remittance identification information" 0001 "
And can be received.

The control means 2A of the central processing unit 2 stores in the central processing unit 2 information on the amount that the customer Ms associated with the remittance identification information received from the central processing unit 1 can purchase at a securities company (institution Ms). It has a purchase amount increasing means 2A1 for reading from the means 2B and increasing the amount that the customer Ms can purchase at the institution Ms based on the read information and the information on the remittance amount received from the central processing unit 1.

Then, the control means 2A of the central processing unit 2
Is the customer Mk associated with the remittance identification information “0001” received from the central processing unit 1 via the terminal device 3.
(Taro Sanwa) information on the possible transaction amount is settled in the settlement table 2B1.
Read from Next, the control means 2A of the central processing unit 2
The transactionable amount “800,000 yen” read from the settlement table 2B1 and the remittance amount “200,000 yen” received from the central processing unit 1 via the terminal device 3 are added. The control means 2A of the central processing unit 2 calculates the sum “100 (= 80 +
20) 10,000 yen ”is settled by the customer Mk (Sanwa) of the settlement table 2B1.
(Taro) is stored in the transaction amount column. As a result, the transactionable amount of the customer Mk (Taro Sanwa) becomes “100 yen”.

Next, the control means 2A of the central processing unit 2
The communication means 2D transmits the HTML of the balance inquiry screen to the terminal device 3.

HTM of balance inquiry screen from central processing unit 2
The control means 3A of the terminal device 3 which has received L displays the received balance inquiry screen on the monitor (output means 3E). For example, as shown in a screen 45 of FIG. 4, information of “securities balance 800,000 yen, fund transfer amount 200,000 yen, tradable amount 1 million yen, 1. stock transaction screen 2. fund increase (remittance)” is displayed as a balance inquiry screen. It is displayed on a monitor (output means 3E). The customer Mk (Taro Sanwa) who saw this display displayed “1” on the keyboard.
Enter Accordingly, information indicating that “1” has been pressed from the keyboard is input to the control unit 3A of the terminal device 3. That is, the control unit 3A of the terminal device 3
It is known that the information of “1. Stock trading screen” has been selected. Then, the control unit 3A of the terminal device 3 causes the communication unit 3D to transmit information indicating "1. The stock transaction screen has been selected" to the central processing unit 2.

The control means 2A of the central processing unit 2 having received the information of "1. The fact that the stock transaction screen has been selected" from the terminal device 3 directs the HTML of the stock transaction screen to the terminal device 3 by the communication means. Send to 2D.

[0105] HT of the stock transaction screen from the central processing unit 2
The control unit 3A of the terminal device 3 that has received the ML causes the monitor (output unit 3E) to display the received stock transaction screen. For example, as shown in a screen 46 of FIG. 4, information of “brand: number of shares: 1. execution 2. cancellation” is displayed on the monitor (output unit 3E) as a stock transaction screen. The customer Mk (Taro Sanwa) who sees this display can use the keyboard (input means 3C) to obtain information on the brand “@car” and the number of shares “100”.
0 shares ”information on the keyboard (input means 3) of the terminal device 3.
Enter in C).

Next, the customer Mk (Taro Miwa) inputs "1" using the keyboard (input means 3C). Accordingly, information indicating that “1” has been pressed from the keyboard is input to the control unit 3A of the terminal device 3. That is,
The control means 3A of the terminal device 3 knows that the information of "1. execution" has been selected.

[0107] The control means 3A of the terminal device 3 having learned that the information of "1.
Information and the number of shares "1000 shares"
To the communication means 3D.

The control means 2A of the central processing unit 2, which has received the information of the brand "@ automobile" and the information of the number of shares "1000" from the terminal device 3, sets the received information of the brand "@ automobile" and the number of shares "1000". Based on the information of “stock”, information of the amount “1 million yen” of this stock is calculated. Then, the communication unit 2D transmits the HTML of the transaction confirmation screen to the terminal device 3.

HTM of transaction confirmation screen from central processing unit 2
The control means 3A of the terminal device 3 which has received L causes the monitor (output means 3E) to display the received transaction confirmation screen. For example, as shown in the screen 46 of FIG. 4, information of “brand: Δ △ number of car shares: 1000 shares: 100 yen 1. execution 2. cancellation” is displayed on the monitor (output unit 3E) as a transaction confirmation screen. The customer Mk (Taro Sanwa) who sees this display inputs "1" using the keyboard (input means 3C). Thereby, the terminal device 3
Is input from the keyboard to the control means 3A. That is, the control unit 3A of the terminal device 3 knows that the information of “1. execution” has been selected.

The control means 3A of the terminal device 3 having learned that the information of "1. execution" has been selected, sends the information of "1. execution selected" to the central processing unit 2 and communicates with the communication means 3D.
To be sent.

The control means of the central processing unit 2 having received the information of "1. execution is selected" instructs the purchase of stock (brand: $ number of automobiles: 1000 shares, amount: 1,000,000 yen). As a result, the customer Mk (Taro Sanwa) can purchase shares (brand: @ number of automobiles: 1,000 shares, value: 1,000,000 yen).

Then, the control means of the central processing unit 2 reads from the settlement table 2B1 the information on the possible transaction amount of the customer Mk (Taro Sanwa). Next, the control means 2A of the central processing unit 2 subtracts the purchased stock amount "1,000,000 yen" from the tradable amount "1,000,000 yen" read from the settlement table 2B1, and the subtracted amount "0 ( = 100-100)
"Yen" is stored in the transaction possible amount column of the customer Mk (Taro Sanwa) of the settlement table 2B1. That is, the current transactionable amount of the customer Mk (Taro Sanwa) is “0 yen”.

Next, the operation of the present invention will be described.

[0114] In order to specifically explain, a customer Mk (Taro Sanwa) has a stock (brand: $) in a securities company (institution Ms).
(The number of automobiles: 1,000 shares Amount: 1,000,000 yen)

First, the customer Mk (Taro Miwa) activates a WWW (World Wide Web) browser on the terminal device 3 and then the modem (communication means 3) of the terminal device 3
D) dial up to connect to the Internet. Next, the customer Mk (Taro Sanwa) sends the request to the central processing unit 2
(Website of securities company) URL (Uniform)
Resource Locator) "http: //
/ Www. **** "is input using the keyboard (input means 3C) of the terminal device 3. Thereby, the terminal device 3
And the central processing unit 2 are connected via the Internet.

Next, the control means 2A of the central processing unit 2, which has learned that the terminal device 3 has been connected, sets the H on the login screen.
TML (Hyper Text Markup Lan)
g.) is transmitted to the communication device 2D toward the terminal device 3.

Then, the control means 3A of the terminal device 3 which has received the HTML of the login screen from the central processing unit 2 displays the received login screen on the monitor (output means 3E). Customer Mk (Taro Miwa) who saw this display,
The identification information “S001” of the customer Mk (Taro Sanwa) and the information of the first password “s569”, which are given in advance, are input using the keyboard (input means 3C) of the terminal device 3. The control means 3A of the terminal device 3 stores the input customer Mk
(Taro Miwa) 's identification information “S001” and information of the first password “s569” are transmitted to the communication unit 3D toward the central processing unit 2.

Next, the control means 2A of the central processing unit 2
The identification information “S001” of the customer Mk (Taro Miwa) transmitted from the terminal device 3 and the first password “s569”
Is received by the communication means 2D.

Then, the control means 2A of the central processing unit 2
Reads the information of the first password associated with the identification information “S001” of the customer Mk (Taro Miwa) received from the terminal device 3 from the payment table 2B1.

Next, the control means 2A of the central processing unit 2
First password “s” read from settlement table 2B1
569 ”and the information of the first password“ s569 ”received from the terminal device 3, and as a result of the comparison, the password“ s5 ”read from the payment table 2B1 is compared.
Since “69” and the first password “s569” received from the terminal device 3 are the same, it is determined that the customer Mk (Taro Miwa) has been confirmed as the principal. And then
When the control unit 2A of the central processing unit 2 determines that the customer Mk (Taro Sanwa) has been confirmed as the principal, the control unit 2A causes the terminal device 3 to log in.

Next, the control means 2A of the central processing unit 2
The communication unit 2D transmits the HTML of the menu screen to the terminal device 3.

Then, the control means 3A of the terminal device 3, which has received the HTML of the stock transaction screen from the central processing unit 2,
The received menu screen is displayed on the monitor (output unit 3E). For example, monitor the information of “1. buy and sell stock 2. inquire about balance” as a menu screen (output means 3E)
To be displayed. Customer Mk (Taro Miwa) who saw this display
Input "2" with the keyboard. Then, the control unit 3A of the terminal device 3 sends the input information of “2. that the balance inquiry has been selected” to the central processing unit 2 by the communication unit 3A.
Let D send.

Next, the control means 2A of the central processing unit 2 having received the information "2. The balance inquiry has been selected" directs the HTML of the balance inquiry screen to the terminal device 3 and the communication means 2D.
To be sent.

Then, the control means 3A of the terminal device 3 which has received the HTML of the balance inquiry screen from the central processing unit 1 displays the received balance inquiry screen on the monitor (output means 3E). For example, as shown in a screen 41 of FIG. 4, information of “securities balance 800,000 yen, fund transfer amount 0 yen, tradable amount 800,000 yen 1. stock transaction screen 2. fund increase (remittance)” is monitored as a balance inquiry screen. (Output means 3E). The customer Mk (Taro Sanwa) who saw this display displayed “2” on the keyboard.
Enter Thus, information indicating that “2” has been pressed from the keyboard is input to the control unit 3A of the terminal device 3. Then, the control unit 3A of the terminal device 3 sets “2.
To the central processing unit 2 to the communication means 3D.

"2. Information that fund increase (remittance) has been selected"
The control means 2A of the central processing unit 2 which has received the information of (1) generates remittance identification information. Then, the control unit 2A of the central processing unit 2 identifies the generated remittance identification information “000”.
"1" is stored in the settlement table 2B1.

Next, the control means 2A of the central processing unit 2
The identification information “K001” of the securities company (institution Ms) and the information of the name of the securities company (institution Ms) “XX securities company” are read from the storage unit 2B. The control means 2A of the central processing unit 2 stores information on the account number "Nihonbashi Branch 1234567" of the account in the name of the securities company (institution Ms).
Read from

The control means 2A of the central processing unit 2
Is the identification information “0001” of the generated remittance and the identification information “K” of the securities company (institution Ms) read from the storage unit 2B.
001 ", information of the name of the securities company (institution Ms)" XX securities company ", information of the account number of the account in the name of the securities company (institution Ms)" Nihonbashi branch 1234567 ", and HTML of the fund increase screen. Communication means 2D for 3
To be sent.

The central processing unit 2 sends remittance identification information "00".
01 ”, the identification information of the securities company (institution Ms)“ K00
1, a terminal device that receives information on the name of the securities company (institution Ms) “XX securities company”, information on the account number “Nihonbashi branch 1234567” of the account in the name of the securities company (institution Ms), and HTML on the fund increase screen The third control means 3A displays the received fund increase screen on a monitor (output means 3E). For example, as shown in a screen 42 of FIG. On the monitor (output means 3E). The customer Mk (Taro Sanwa) who sees this display inputs information on the amount of money transferred, "200,000", using the keyboard. As a result, the information of the amount of money transfer "200,000" is input to the control means 3A of the terminal device 3 from the keyboard.

Next, the customer (Taro Sanwa) inputs "1" using the keyboard. Accordingly, information indicating that “1” has been pressed from the keyboard is input to the control unit 3A of the terminal device 3. That is, the control unit 3A of the terminal device 3
Knows that the information of "1. execution" has been selected.

The control means 3A of the terminal device 3 having learned that the information of "1.
The terminal device 3 is connected to the central processing unit 1 based on the RL. For example, the URL of the central treatment apparatus 1 is linked to the icon of “1. Execute” on the screen 42. Thereby, the terminal device 3 and the central processing unit 1 can be connected.

The control means 1A of the central processing unit 1, which has learned that the terminal device 3 has been connected, sends the HTML
To the communication device 1D toward the terminal device 3.

HTM of login screen from central processing unit 1
The control unit 3A of the terminal device 3 that has received L causes the monitor (output unit 3E) to display the received login screen. For example, information of “homepage ID of financial institution Mz: password: 1. execution 2. cancellation” is displayed on the monitor (output unit 3E) as a login screen. The customer Mk (Taro Sanwa) who sees this display inputs the identification information “Z001” and the information of the first password “z678” of the customer Mk (Taro Sanwa), which are known in advance, to the keyboard (input) of the terminal device 3. Input by means 3C).

Next, the customer Mk (Taro Miwa) inputs "1" using the keyboard. Accordingly, information indicating that “1” has been pressed from the keyboard is input to the control unit 3A of the terminal device 3.

Then, the control means 3A of the terminal device 3 inputs the identification information "Z00" of the input customer Mk (Taro Sanwa).
1 ”and the information of the first password“ z678 ”are transmitted to the communication unit 3D toward the central processing unit 1.

Next, the control means 1A of the central processing unit 1
Identification information “Z001” of the customer Mk (Taro Miwa) transmitted from the terminal device 3 and the first password “z678”
Is received by the communication means 1D.

The control means 1A of the central processing unit 1
Reads the information of the first password associated with the identification information “Z001” of the customer Mk (Taro Sanwa) received from the terminal device 3 from the account table 1B1. Next, the control unit 1A of the central processing unit 1 compares the information of the first password “z678” read from the account table 1B1 with the information of the first password “z678” received from the terminal device 3, As a result of this comparison, since the password “z678” read from the account table 1B1 and the first password “z678” received from the terminal device 3 are the same, the customer Mk (Taro Sanwa) can be confirmed as himself. Judge that

Next, the control means 1A of the central processing unit 1 which has determined that the customer Mk (Taro Miwa) has been confirmed as the person himself / herself.
Logs in the terminal device 3.

The control means 1A of the central processing unit 1
Causes the communication means 1D to transmit the HTML of the account transfer screen to the terminal device 3.

HTM of the account transfer screen from the central processing unit 1
The control unit 3A of the terminal device 3 that has received the L causes the monitor (output unit 3E) to display the received account transfer screen. For example, as shown in a screen 43 of FIG. On the monitor (output means 3E). The customer Mk (Taro Sanwa) who sees this display reads the account number “Nihonbashi branch 456 * 87” of the account in the name of the customer Mk (Taro Sanwa).
9, information on the remittance amount “200,000 yen”, and information on the second password “3547” are input using the keyboard (input means 3C) of the terminal device 3.

Next, the customer Mk (Taro Miwa) inputs "1" using the keyboard. Accordingly, information indicating that “1” has been pressed from the keyboard is input to the control unit 3A of the terminal device 3. That is, the control unit 3A of the terminal device 3 knows that the information of “1. execution” has been selected.

Then, the control means 3A of the terminal device 3 having learned that the information of "1. execution" is selected, the information of "1. execution is selected" and the input customer Mk (3 Taro Kazu) Account number of the account under the name "Nihonbashi Branch 456 *
879 ”, information of the remittance amount“ 200,000 yen ”, and information of the second password“ 3547 ”are transmitted to the communication unit 3D toward the central processing unit 1. Further, the control means 3A of the terminal device 3 transmits the remittance identification information "0001" received from the central processing unit 2, the identification information "K001" of the securities company (institution Ms), and the name of the securities company (institution Ms) "OO". The information of the securities company and the information of the account number of the account in the name of the securities company (institution Ms) “Nihonbashi branch 1234567” are transmitted to the communication means 3D toward the central processing unit 1 (step 101).

Next, the control means 1A of the central processing unit 1
“1. Execution selected” transmitted from the terminal device 3
Information of the account in the name of the customer Mk (Taro Sanwa) "Nihonbashi Branch 456 * 879", information of the remittance amount "200,000 yen", information of the second password "3547", and remittance Identification information “0001” of the securities company (institution Ms) and identification information “K001” of the securities company (institution Ms).
s) Information of the name “XX securities company” and the account number of the account in the name of the securities company (institution Ms) “Nihonbashi branch 12345
67 ”is received by the communication means 1D (step 102).

The control means 1A of the central processing unit 1
Reads the information of the second password associated with the information of the account number “Nihonbashi Branch 456 * 879” of the account in the name of the customer Mk (Taro Sanwa) received from the terminal device 3 from the account table 1B1 of the storage means 1B. put out. Then, the control unit 1A of the central processing unit 1 compares the information of the second password “3547” read from the account table 1B1 with the information of the second password “3547” received from the terminal device 3, and The information of the personal identification number “3547” read from the table 1B1 and the second information received from the terminal device 3
Since the information of the password “3547” is the same, it is determined that the customer Mk (Taro Miwa) has been confirmed as the person himself.

Next, the control means 1A of the central processing unit 1, which has determined that the customer Mk (Taro Sanwa) is the principal, changes the account in the name of the customer Mk (Taro Sanwa) from the account in the name of the financial institution Mz (for example, the financial institution Mz). Mz manages and temporarily stores the amount deducted from customer Mk)
To move. Then, the new balance “10 (= 30−2)
0) Ten thousand yen ”is stored in the account table 1B1.

The control means 1A of the central processing unit 1
Indicates that the remittance amount "200,000 yen" has been moved from an account in the name of the customer Mk (Taro Sanwa) to an account in the name of the financial institution Mz, and the remittance identification information "00" received from the terminal device 3.
01 ”and the HTML of the confirmation screen are transmitted to the communication means 1D toward the terminal device 3 (step 103).

Next, the central processing unit 1 sends “the remittance amount“ 20
Terminal device 3 that has received the information that "million yen" has been transferred from the account in the name of the customer Mk (Taro Sanwa) to the account in the name of the financial institution Mz ", the remittance identification information" 0001 ", and the HTML of the confirmation screen. The control means 3A displays the received confirmation screen on the monitor (output means 3E). For example, as shown in the screen 44 of FIG. 4, the confirmation screen "Remittance has been accepted.

[0147] 1. Inquiry of balance (XX securities company) 2. The information of "cancel" is displayed on the monitor (output means 3E). The customer Mk (Taro Sanwa) who saw this display displayed “1” on the keyboard.
Enter Accordingly, information indicating that “1” has been pressed from the keyboard is input to the control unit 3A of the terminal device 3. That is, the control unit 3A of the terminal device 3
It is known that the information of "1. execution" has been selected.

Then, the control means 3A of the terminal device 3 having learned that the information of "1. execution" has been selected, based on the URL of the central processing unit 2, sets the terminal device 3 in the central processing unit 2.
To be connected. For example, on screen 44, “1.
The link of the central treatment device 2 is linked to the icon of “○ securities company”. Thereby, the terminal device 3 and the central processing unit 2 can be connected.

Next, the control means 3A of the terminal device 3 connected to the central processing unit 2 transfers the “remittance“ 200,000 yen ”received from the central processing unit 1 from the account in the name of the customer Mk (Taro Sanwa) to the financial unit. To the institution Mz account "
The communication means 3D transmits the remittance identification information "0001" to the central processing unit 2.

Then, the control means 2A of the central processing unit 2
Indicates that the remittance amount “200,000 yen” has been transferred from the account in the name of the customer Mk (Taro Sanwa) to the account in the name of the financial institution Mz transmitted from the terminal device 3 and the remittance identification information “0
001 ”is received by the communication means 2D (step 10).
4). Thereby, the control means 2A of the central processing unit 2
Information that "the remittance amount" 200,000 yen "has been transferred from the account in the name of the customer Mk (Taro Sanwa) to the account in the name of the financial institution Mz" transmitted from the central processing unit 1 via the terminal device 3;
Remittance identification information “0001” can be received.

Next, the control means 2A of the central processing unit 2
From the settlement table 2B1, information on the transaction possible amount of the customer Mk (Taro Miwa) associated with the remittance identification information “0001” received from the central processing unit 1 via the terminal device 3 is read. Then, the control means 2A of the central processing unit 2 reads the possible transaction amount "800,000 yen" read from the settlement table 2B1.
And the remittance amount “200,000 yen” received from the central processing unit 1 via the terminal device 3. The control unit 2A of the central processing unit 2 calculates the sum “100 (= 80 + 2)
0) 10,000 yen ”is stored in the transaction possible amount column of the customer Mk (Taro Sanwa) of the settlement table 2B1 (step 10).
5). As a result, the transactionable amount of the customer Mk (Taro Sanwa) becomes “100 yen”.

Next, the control means 2A of the central processing unit 2
The communication means 2D transmits the HTML of the balance inquiry screen to the terminal device 3.

Then, the control means 3A of the terminal device 3, which has received the HTML of the balance inquiry screen from the central processing unit 2, displays the received balance inquiry screen on the monitor (output means 3E). For example, as shown in a screen 45 of FIG. 4, information of “securities balance 800,000 yen, fund transfer amount 200,000 yen, tradable amount 1 million yen, 1. stock transaction screen 2. fund increase (remittance)” is displayed as a balance inquiry screen. It is displayed on a monitor (output means 3E). The customer Mk (Taro Sanwa) who saw this display displayed “1” on the keyboard.
Enter Accordingly, information indicating that “1” has been pressed from the keyboard is input to the control unit 3A of the terminal device 3. That is, the control unit 3A of the terminal device 3
It is known that the information of “1. Stock trading screen” has been selected. Then, the control unit 3A of the terminal device 3 causes the communication unit 3D to transmit information indicating "1. The stock transaction screen has been selected" to the central processing unit 2.

Next, the control means 2A of the central processing unit 2 which has received the information "1. The effect that the stock transaction screen has been selected" from the terminal apparatus 3 directs the HTML of the stock transaction screen to the terminal apparatus 3. To the communication means 2D.

The control means 3A of the terminal device 3 which has received the HTML of the stock transaction screen from the central processing unit 2
Monitor the received stock transaction screen (output means 3E)
To be displayed. For example, as shown in a screen 46 of FIG. 4, information of “brand: number of shares: 1. execution 2. cancellation” is displayed on the monitor (output unit 3E) as a stock transaction screen. The customer Mk (Taro Sanwa) who sees this display can use the keyboard (input means 3C) to obtain information on the brand “@car” and the number of shares “100”.
0 shares ”information on the keyboard (input means 3) of the terminal device 3.
Enter in C).

Next, the customer Mk (Taro Miwa) inputs "1" using the keyboard (input means 3C). Accordingly, information indicating that “1” has been pressed from the keyboard is input to the control unit 3A of the terminal device 3. That is,
The control means 3A of the terminal device 3 knows that the information of "1. execution" has been selected.

Next, the control means 3A of the terminal device 3 having learned that the information of "1. execution" has been selected, the information of the brand "@ car" and the information of the number of shares "1000" is processed by the central processing unit. 2 to the communication means 3D.

Then, the control means 2A of the central processing unit 2, which has received the information of the brand "@ automobile" and the information of the number of shares "1000" from the terminal device 3, sets the received information and the number of shares of the brand "@ automobile". Based on the information on “1000 shares”, information on the amount of this stock “1 million yen” is calculated.

Next, the control means 2A of the central processing unit 2
The communication means 2D transmits the HTML of the transaction confirmation screen to the terminal device 3.

Then, the control means 3A of the terminal device 3 which has received the HTML of the transaction confirmation screen from the central processing unit 2 causes the received transaction confirmation screen to be displayed on the monitor (output means 3E). For example, as shown in the screen 46 of FIG. 4, information of “brand: Δ △ number of car shares: 1000 shares: 100 yen 1. execution 2. cancellation” is displayed on the monitor (output unit 3E) as a transaction confirmation screen. The customer Mk (Taro Sanwa) who sees this display inputs "1" using the keyboard (input means 3C). Thereby, the terminal device 3
Is input from the keyboard to the control means 3A. That is, the control unit 3A of the terminal device 3 knows that the information of “1. execution” has been selected.

Next, the control means 3A of the terminal device 3, having learned that the information of "1. execution" has been selected, sends the information of "1. execution selected" to the central processing unit 2. The communication means 3D is caused to transmit.

Then, the control means of the central processing unit 2 having received the information of "1. execution is selected" sets the stock (brand: $ number of automobiles: 1000 shares, value: 1,000,000 yen)
Direct purchase. As a result, the customer Mk (Taro Sanwa) becomes a stock (brand: △△ number of shares: 1,000 shares)
(Amount: 1 million yen).

Then, the control means of the central processing unit 2 reads from the settlement table 2B1 information on the transaction possible amount of the customer Mk (Taro Sanwa). Next, the control means 2A of the central processing unit 2 subtracts the purchased stock amount "1,000,000 yen" from the tradable amount "1,000,000 yen" read from the settlement table 2B1, and the subtracted amount "0 ( = 100-100)
"Yen" is stored in the transaction possible amount column of the customer Mk (Taro Sanwa) of the settlement table 2B1. That is, the current transactionable amount of the customer Mk (Taro Sanwa) is “0 yen”.

[0164]

[Effect] It is possible to purchase the product (or service) when the user wants to purchase the product without any trouble (cost) or time. Products (or services) can be provided at the time of customer's request without any effort (cost) or time.

[Brief description of the drawings]

FIG. 1 is a configuration diagram of a settlement system according to the present invention.

FIG. 2 is a settlement table 2B1 according to the present invention.

FIG. 3 is an account table 1B1 according to the present invention.

FIG. 4 is an example of a screen according to the present invention.

FIG. 5 is a flowchart according to the present invention.

[Explanation of symbols]

 1, 2 Central processing unit 3 Terminal device

Continued on front page (72) Inventor Kiharu Nakamura 1-1-1 Otemachi, Chiyoda-ku, Tokyo Inside Sanwa Bank (72) Inventor Takashi Wada 1-1-1 Otemachi, Chiyoda-ku, Tokyo Co., Ltd. Within the Sanwa Bank (72) Inventor Naoki Morita 1-1-1 Otemachi, Chiyoda-ku, Tokyo F-term within the Sanwa Bank, Ltd. 5B049 AA01 AA02 BB47 CC05 DD01 EE02 GG02 GG04 GG07 5B055 CB09 EE02 EE03 EE12 EE21

Claims (20)

[Claims] 1. A system for performing a settlement process when a customer Mk purchases a product (or service) that is equal to or more than an amount deposited in an institution Ms, the system comprising: The central processing unit 1 of the financial institution Mz connected to the central processing unit 2 of the client Mk and the terminal device 3 of the customer Mk, wherein the central processing unit 1 comprises: a communication unit connected to the network; Based on the received information on the account in the name of the customer Mk, the information on the institution Ms, the identification information on the remittance and the information on the remittance, the remittance is processed from the account in the name of the customer Mk to the account in the institution Ms. And control means for transmitting the identification information and the information on the remittance amount to the communication means of the central processing unit 1 toward the central processing unit 2, wherein the central processing unit 2 is a control that can increase the amount that the customer Mk can purchase at the institution Ms based on the communication means connected to the network and the remittance identification information and the information on the remittance received from the central processing unit 1. And a settlement system. 2. A system for performing a settlement process when a customer Mk purchases a product (or service) that is equal to or more than an amount deposited in an institution Ms, wherein the system is a central processing unit of a financial institution Mz. Device 1, connected to the central processing unit 1 via a network,
A central processing unit 2 used by the engine Ms, connected to the central processing unit 1 via a network,
A terminal device 3 used by the customer Mk, the terminal device 3 comprising: a communication unit connected to the network; information on an account in the name of the customer Mk, information on the institution Ms, identification information on remittance, and a remittance amount. Control means capable of transmitting information to the communication means of the terminal device 3 toward the central processing device 1; the central processing device 1 comprises: communication means connected to the network; and the terminal device Based on the information on the account in the name of the customer Mk, the information on the institution Ms, the identification information of the remittance, and the information on the remittance received from 3, the remittance amount is transferred from the account in the name of the customer Mk to the account in the institution Ms name, Control means capable of causing the communication means of the central processing unit 1 to transmit the identification information of the remittance and the information of the remittance amount to the central processing unit 2; The central processing unit 2 increases the amount that the customer Ms can purchase at the institution Ms based on the communication means connected to the network and the remittance identification information and the information on the remittance received from the central processing unit 1. And a control means capable of controlling the settlement. 3. The control means of the central processing unit 1, based on the information on the account in the name of the customer Mk, the information on the institution Ms, and the information on the remittance received from the terminal device 3, stores the remittance in the name of the customer Mk. From financial institution Mz
Means for transmitting the remittance identification information and the remittance information received from the terminal device 3 to the central processing unit 2 to the communication means of the central processing unit 1 when transferred to the predetermined account The settlement system according to claim 1 or 2, wherein: 4. The control means of the central processing unit 1 transfers the remittance transferred from the account in the name of the customer Mk to a predetermined account of the financial institution Mz from the predetermined account of the financial institution Mz to an account in the name of the institution Ms. The settlement system according to any one of claims 1 to 3, further comprising means for causing the settlement system. 5. When the control means of the central processing unit 2 receives from the terminal device 3 information indicating that the amount that can be purchased by the institution Ms has been increased, the control unit generates remittance identification information, and The settlement system according to any one of claims 1 to 4, further comprising: means for causing the communication means of the central processing unit 2 to transmit identification information of remittance and information on the institution Ms to the terminal device 3. . 6. The terminal device 3 has an input unit, and the control unit of the terminal device 3 sends the information on the institution Ms and the remittance identification information received from the central processing unit 2 to the central processing unit 1. The information on the account in the name of the customer Mk and the information on the remittance input by the input means of the terminal device 3 are transmitted to the central processing unit 1 by the communication means of the terminal device 3. The settlement system according to any one of claims 1 to 5, further comprising: means for causing the communication means to transmit. 7. The central processing unit 2 includes storage means for storing information on an amount that the customer Mk can purchase at the institution Ms and remittance identification information associated with the information. The control means reads from the storage means of the central processing unit 2 information on the amount that the customer Mk associated with the remittance identification information received from the central processing unit 1 can purchase at the institution Ms, 7. The apparatus according to claim 1, further comprising a purchase amount increasing unit configured to increase an amount that the customer Mk can purchase at the institution Ms based on the information on the remittance amount received from the central processing unit 1. The payment system described. 8. The purchase amount increasing means of the control means of the central processing unit 2 stores the information of the amount that the customer Mk associated with the remittance identification information received from the central processing unit 1 can purchase at the institution Ms. The information is read from the storage unit of the processing device 2 and the information on the amount that can be purchased by the institution Ms by the customer Mk and the information on the remittance amount received from the central processing unit 1 are added. The settlement system according to any one of claims 1 to 7, wherein the means is a means for obtaining an amount that can be purchased by the institution Ms. 9. The settlement system according to claim 1, wherein the information on the account in the name of the customer Mk is information including information on an account number and information on a personal identification number. . 10. The settlement system according to claim 1, wherein the information on the institution Ms is information on an account number. 11. The settlement system according to claim 1, wherein the information on the institution Ms is identification information of the institution Ms. 12. The settlement system according to claim 1, wherein the commodity is a stock. 13. The settlement system according to claim 1, wherein the institution Ms is a securities company. 14. The settlement system according to claim 1, wherein the network is the Internet. 15. A central processing unit (including a control unit and a communication unit) 1, a central processing unit (including a control unit and a communication unit) 2 connected to the central processing unit 1 via a network, and a terminal device (including a control unit and a communication unit). A control unit, a communication unit, and an input unit) 3 for performing a settlement process, wherein the control unit of the terminal device 3 includes information on an account in the name of a customer Mk, information on an institution Ms, A step 101 of transmitting the identification information and the information of the remittance amount to the communication means of the terminal device 3 toward the central processing unit 1, and the control means of the central processing unit 1
The communication means of the central processing unit 1 receives the information transmitted in step 102;
Information on the account in the name of the customer Mk received by the institution Ms
The remittance amount from the account in the name of the customer Mk to the account in the institution Ms based on the information on the remittance, the identification information of the remittance, and the information on the remittance amount. Step 103 in which the communication unit of the central processing unit 1 transmits the data to the processing unit 2;
(B) causing the communication means of the central processing unit 2 to receive the information transmitted in (b);
And a step 105 of increasing the amount that the customer Mk can purchase at the institution Ms based on the remittance identification information and the information on the remittance received in (1). 16. The step 103 of the settlement method comprises the steps of:
Information on the account in the name of the customer Mk received by the institution Ms
Information on the remittance received from the terminal device 3 when the remittance is transferred from the account in the name of the customer Mk to the predetermined account of the financial institution Mz based on the information on the remittance and the information on the remittance. 20 is transmitted to the communication means of the central processing unit 1 toward the central processing unit 2
1 and the control means of the central processing unit 1
16. The settlement method according to claim 15, further comprising the step of: transferring the remittance amount transferred in the step (b) from a predetermined account of the financial institution Mz to an account in the name of the institution Ms. 17. The settlement method according to claim 1, wherein the control unit of the central processing unit 2 generates remittance identification information when the control unit of the central processing unit 2 receives, from the terminal device 3, information indicating that the amount that can be purchased by the institution Ms is to be increased. Step 301
The control means of the central processing unit 2
Transmitting the identification information of the remittance generated in step 3 to the communication means of the central processing unit 2 toward the terminal device 3 (step 30).
15. The method according to claim 15, wherein
6. The settlement method according to any one of 6. 18. The settlement method according to claim 1, wherein the control unit of the central processing unit 2 causes the communication unit of the central processing unit 2 to transmit information on the institution Ms to the terminal device 3; (3) the control unit of the terminal device 3 causes the communication unit of the terminal device 3 to receive the information transmitted in the step 302; and the control unit of the terminal device 3 transmits the information transmitted in the step 401 to the terminal device. Step 403 of receiving the information on the account in the name of the customer Mk by the input means of the terminal device 3; and Step 404 of receiving the information on the account in the name of the customer Mk by the input means of the terminal device 3. Step 405, the control means of the terminal device 3 sends the remittance identification information received in the step 402 to the central Step 406 for transmission to the communication means of device 3
Step 4 in which the control means of the terminal device 3 causes the communication means of the terminal device 3 to transmit the information on the institution Ms received in Step 403 to the central processing unit 1.
07, the control unit of the terminal device 3 causes the communication unit of the terminal device 3 to transmit the information on the account in the name of the customer Mk input in the step 404 to the central processing unit 1, The control means of the terminal device 3 has a step 409 of transmitting the information on the remittance input in the step 405 to the communication means of the terminal device 3 toward the central processing unit 1. The settlement method according to any one of claims 15 to 17. 19. The central processing unit 2 includes storage means for storing information on an amount that the customer Ms can purchase at the institution Ms and remittance identification information associated with the information. The control means of the central processing unit 2
The information on the amount that the customer Ms associated with the remittance identification information received at step S2 can be purchased at the institution Ms is read from the storage means of the central processing unit 2 and the read information and the information on the remittance received at step 104 And customer M
Step 501 in which s increases the amount that can be purchased at the institution Ms
The settlement method according to any one of claims 15 to 18, comprising: 20. The step 501 of the settlement method, wherein the control means of the central processing unit 2
Is read from the storage means of the central processing unit 2 by the customer Ms associated with the remittance identification information received by the institution Ms.
Is added to the information on the amount of money that can be purchased at step 104 and the information on the remittance amount received at step 104,
The settlement method according to any one of claims 15 to 19, wherein s is a step of setting an amount that can be purchased by the institution Ms.