JP2002298040A - Device and system for trade control, trade fee charge control method, recording medium, and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a trade information control device allowing a user who controls a plurality of charge counts to be able to charge from a specified charge account and settle at the time of settlement after a trade, a trade control system, a trade fee charge control method, a recording medium, and a program. SOLUTION: The trade control device 2 having user terminals connected thereto through a communication network and controlling the trade of the users having a plurality of charge accounts comprises a charge account registration means for registering thereto the charge accounts of the users and a specific number allowing the trade of the user by specifying the user, a charge request means for requesting the charge of fee of the trade performed by the user by using the specific number to a financial institution having the charge accounts registered in the charge account registration means, and a charge account designation means for designating the charge accounts for requesting the charge of the fee of the trade by the charge request means based on the instructions from the terminals of the users.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transaction management device, a transaction management system, a transaction fee withdrawal management method, a recording medium, and a program for managing a commercial transaction of a user having a withdrawal account.

[0002]

2. Description of the Related Art In commercial transactions such as purchasing goods at a predetermined store, a transaction using a credit card which does not require carrying cash is common. In the credit transaction, a transaction is performed by requesting a credit company to check the validity of a credit card and a usage limit each time the credit card is used and obtaining credit. For example, in online credit transactions, the CAT (Cr
An edit authorization terminal (POS) terminal, a point-of-sale (POS) terminal capable of performing credit transactions, or a vending machine capable of performing card transactions requests a credit company center for credit through a telephone line. After searching, if the credit card is valid and the usage amount is within the limit, credit is given to the terminal. Thereafter, the transaction amount is debited (account transfer) from the deposit account of the customer at a necessary time, and the transaction is completed.

[0003]

In the above-described credit transaction, it is necessary to present a deposit account number of a specific financial institution to the credit company in order to perform the credit transaction. Debits will only be made from the specific deposit account presented in the settlement. For this reason, when a customer uses credit transactions while checking the limits of the deposit accounts of a plurality of financial institutions owned by the customer, each of the plurality of deposit accounts is registered as a debit account with a different credit company and a credit card is issued. It is necessary to use different cards when actually conducting a credit transaction, it is troublesome and it is necessary to disclose each debit account to multiple credit companies, so personal account information leaks outside Will be. Also, if the card in which the deposit account you want to withdraw is registered cannot be used at the store that performs the credit transaction, first use a credit card that can be used at the store.
It is necessary to carry out a credit transaction and then transfer a deposit from another account to a deposit account that will be deducted by the credit transaction, which is troublesome.

The present invention has been made in view of the above circumstances, and enables a user who manages a plurality of debit accounts to debit and settle from a desired debit account at the time of settlement after commercial transaction, and a transaction management system. It is another object of the present invention to provide a method for managing the deduction of a commercial transaction fee, a recording medium, and a program.

[0005]

SUMMARY OF THE INVENTION In order to solve the above-mentioned problems, the invention according to claim 1 manages a commercial transaction of a user who is connected to a user terminal via a communication network and has a plurality of withdrawal accounts. A transaction management device, wherein a debit account registration unit is registered with a debit account of the user and a specific number that identifies the user and enables the user to make a business transaction. The debit request means for requesting a financial institution having a debit account registered in the debit account registration means for debiting the transaction fee, and a debit account requesting the debit request means to deduct the transaction fee. Withdrawal account designation means for designation based on an instruction from the terminal on the side.

[0006] In the transaction management device according to the first aspect,
A debit account of the user and a specific number for identifying the user are registered in the debit account registration means, and the debit account designation means transmits the debit account for requesting the debit of the commercial transaction by the debit request means from the terminal on the user side. Specify based on instructions. That is, when the user performs the settlement of the commercial transaction performed by using the specific number, the debit account designation unit selects the debit of the commercial transaction fee from the accounts registered in the debit account registration unit. By instructing, the financial institution having the instructed debit account is requested to withdraw the fee for the commercial transaction. Therefore, a user having a plurality of accounts can designate a predetermined withdrawal account before the settlement at which the charge is withdrawn, without specifying a withdrawal account for withdrawing the charge of the commercial transaction at the time of the commercial transaction, and flexible fund settlement is possible. Becomes

[0007] Therefore, unlike the conventional case where the user conducts a credit transaction, it is not necessary to use a credit card in which the user has registered a plurality of savings accounts of a plurality of financial institutions.
Since it is not necessary to disclose one's own debit account information to a plurality of credit companies, personal account information does not leak to the outside more than necessary. Also, when the user performs a business transaction, even if the card in which the deposit account to be debited is registered cannot be used at the store where the credit transaction is performed, first, the credit card that can be used at the store is used to perform the credit transaction. In addition, there is no need to transfer a deposit from another account to a debit account that will be debited by credit transactions, and there is no need for time and effort. In this case, it is possible to eliminate the burden of commission generated for the transfer of funds.

[0008] Specifically, a user's withdrawal account may be, for example, one registered at a financial institution such as a bank or a post office. Examples of the commercial transaction performed by the user include, for example, merchandise directly at a store by a credit card. For example, there are purchases, subscription contracts with newspaper companies, and payment of utilities such as gas / electricity. Further, a transaction with a store opened on the Internet using a specific number may be used. Further, the specific number specifies a user, and the user can conduct business using the specific number. As a method of assigning this specific number to a user, first, a credit company capable of performing a credit transaction with the user may assign the specific number. The specific number in this case may be a credit number given to the user's credit card. In this case, the credit company requests the transaction management device to withdraw the transaction fee, and the credit company can save the trouble of collecting money for the user. In addition, as a method of assigning the specific number to the user, for example,
As in the described invention, the transaction management device may assign the specific number to a terminal on the user side.

That is, a second aspect of the present invention is the transaction management apparatus according to the first aspect, further comprising a specific number assigning means for assigning the specific number to the terminal on the user side. According to the second aspect of the invention, the same effects as those of the first aspect can be obtained.

[0010] The specific number assigning means may be configured to assign the specific number to the user terminal in exchange for a plurality of debit account information managed by the user. With this configuration, it is possible to expedite the withdrawal management contract between the transaction management device and the user terminal, that is, the management company having the transaction management device and the user.

[0011] The invention according to claim 3 is the invention according to claim 1 or 2.
In the transaction management device described above, at least one of the plurality of debit accounts is a basic debit account that becomes a debit account when a user forgets to specify an account.

[0012] In the transaction management device according to the third aspect,
Since at least one of the plurality of debit accounts is a basic debit account that becomes a debit account when a user forgets to specify an account, when the user forgets to specify a debit account for a commercial transaction fee, the Regardless, it is possible to request the financial institution having the basic withdrawal account to withdraw the fee for the commercial transaction by the withdrawal requesting means and to surely settle the transaction.

According to a fourth aspect of the present invention, in the transaction management device according to any one of the first to third aspects, the debit account designating means performs information on a plurality of debit accounts registered in the debit account registration means in a commercial transaction. Is transmitted to the terminal on the user side capable of receiving the notification of the debit account, and registration / change of the debit account is performed by the terminal on the user side.

[0014] In the transaction management device according to the fourth aspect,
The debit account designation means transmits information on the plurality of debit accounts registered in the debit account registration means to the terminal on the user side, and the terminal on the user side capable of receiving a notification of a commercial transaction allows the debit account to be notified. Since the registration / change is performed, the user can easily register / change the debit account requesting the debit of the transaction while confirming the notification of the transaction, and instruct the debit account designation means to the debit account. Can be.

According to a fifth aspect of the present invention, in the transaction management apparatus according to the fourth aspect, the information on the plurality of debit accounts includes account balance information.

When the debit account designation means transmits the balance information of the account to the terminal on the user side, the user first makes an electronic banking (EB) contract with a financial institution. Then, browse the information of the plurality of debit accounts, select the balance inquiry item in the debit account information, and enter the financial institution code, branch number, account number, and personal identification number. The balance is displayed.

[0017] In the transaction management device according to the fifth aspect,
Since the information of the plurality of debit accounts transmitted to the terminal on the user side by the debit account designation means includes account balance information, the user can determine the balance of the plurality of debit accounts registered in the debit account registration means. Registration and change of a debit account to be settled while checking can be easily performed via the user side terminal. That is, it is possible to prevent the balance of the account after settlement from becoming negative.

According to a sixth aspect of the present invention, in the transaction management apparatus according to any one of the first to fifth aspects, the user's commercial transaction fee is at least one of a utility fee such as a product fee, a newspaper fee, and electric gas. One, the debit request means is a product price from the debit account designated by the financial institution,
It is characterized by requesting the deduction of at least one of public charges such as newspaper charges and electric gas. Here, the commodity price includes a fee paid for using a service such as a toll paid for using an expressway (such as the Metropolitan Expressway).

In the transaction management device according to the sixth aspect,
Product price (including service usage fees such as road tolls) as a fee for commercial transactions performed by the user, newspaper fee,
It is possible to request a financial institution having a designated withdrawal account to withdraw at least one of utilities such as electric gas based on an instruction of the terminal on the user side. Therefore, the user can specify and settle at least one of public charges such as a commodity price, a newspaper fee, and electric gas from the debit account registered in the debit account registration means.

According to a seventh aspect of the present invention, there is provided a transaction management apparatus according to any one of the first to sixth aspects, wherein the transaction management apparatus is connected to the transaction management apparatus via a communication network, and the debit account registering means manages the transaction. A plurality of withdrawal accounts and the user-side communication terminal in which the specific number is registered; and And a financial institution management device for managing the withdrawal account, wherein the withdrawal requesting means sends a transaction fee from the withdrawal account to a financial institution management device having a withdrawal account designated by the user terminal. Is requested to be debited.

In the transaction management system according to the present invention, a plurality of debit accounts to be managed and the specific number are registered in the debit account registration means of the transaction management device according to any one of the first to sixth aspects. A communication terminal on the user side of the user, and a financial institution side management device having a debit account of the user that can be debited from the transaction management device;
A request is made to a financial institution-side management device having a debit account designated by the terminal on the user side to debit a transaction fee from the debit account. A debit account to be settled from the debit account registered in the debit account registration means based on the instruction from the debit account, and requesting the financial institution management device having the debit account to debit the debit account from the debit account by the debit request means. I do. Therefore, the user who has performed the commercial transaction using the specific number, from the terminal on the user side before the settlement of the commercial transaction, specifies a debit account of the fee for the commercial transaction,
Debit can be made from the designated debit account.

According to an eighth aspect of the present invention, in the transaction management system according to the seventh aspect, a card issuing device for issuing a credit card to the user by presenting a specific number of the user is provided in the transaction management device. The card issuing device is provided with a collection agent means for requesting the transaction management device to collect a fee for a commercial transaction by using the card of the user, and the transaction requested to be collected by the collection agent device. The management device requests the financial institution having the debit account designated by the user by the debit account designation means to deduct the commercial transaction fee from the debit account by the debit request means. In the case where the card issuing device is a device of a credit company contracted in advance with a user, the specific number may be the same as a conventional credit number.
At this time, the user registers, in the transaction management device, the credit account registered by the user and the credit number of the credit company that has registered the debit account in advance. It is conceivable to assign a specific number.

In the transaction management system according to the eighth aspect, the card issuing device issues a credit card to the user by presenting the user's specific number, and the collection means provided in the card issuing device includes the user's card. Requesting the transaction management device to collect a fee for a commercial transaction by using the transaction management device,
The debit requesting unit requests the financial institution having the debit account designated by the user by the debit account designation unit to deduct the fee for the commercial transaction from the debit account. Therefore, even when the user performs a commercial transaction using a credit card, it is possible to instruct the transaction management device from the terminal on the user side to deduct the fee for the commercial transaction, and the transaction management device transmits the charge from the terminal on the user side. When the financial institution side management apparatus having the designated debit account is requested for a debit account for the fee for the commercial transaction, settlement can be performed from the debit account. In addition, when the user has the credit card issued by the card issuing device, it is sufficient that the user presents the specific number given by the specific number assigning means of the transaction management device. There is no need to present the information to the card issuing device, and the security of the user's debit account information can be improved.

According to a ninth aspect of the present invention, in the transaction management system according to the eighth aspect, the transaction management device presents debit account information designated by a user by the debit account designation means to the card issuing device. It is characterized by comprising a withdrawal account presenting means. In the transaction management system according to the ninth aspect, the transaction management device presents debit account information designated by a user to the card issuing device.
Therefore, it is possible to confirm the debit account at which the fee for the commercial transaction performed using the specific number is settled on the card issuing device side. In other words, when the card issuing device is provided in a different company from the management company having the transaction management device, for example, provided in the terminal of the credit company, and performs the collection of the fee of the commercial transaction performed by the user to the management company, Notify the result of settlement.

According to a tenth aspect of the present invention, in the transaction management system according to the eighth or ninth aspect, the card issuing device and the transaction management device are provided integrally.

In the transaction management system according to the tenth aspect, since the card issuing device and the transaction management device are provided integrally, the user is given the specific number and issued a credit card. This eliminates the need for separate procedures.

An invention according to claim 11 is a transaction fee withdrawal management method for managing a commercial transaction of a user having a plurality of debit accounts, wherein the user can be specified and the user can be transacted together with the debit account. A first step of registering a specific number to be made, a second step of allowing a user who has performed business using the specific number to specify a specific debit account from a registered user's debit account, and a specified debit account A third step of requesting the financial institution to withdraw the charge for the commercial transaction from the withdrawal account and causing the financial institution to settle the charge.

[0028] According to the eleventh aspect of the present invention, when a user makes a business transaction using a specific number, a specific debit account is designated from a plurality of debit accounts managed by the user, and the designated debit account is designated. A request can be made to the financial institution having the withdrawal of the commercial transaction fee from the withdrawal account for settlement. Therefore, the user can specify the predetermined debit account before the settlement date and perform the debit payment from the specified debit account without specifying the debit account when performing the debit settlement of the fee for the commercial transaction. Therefore, flexible fund management becomes possible by designating an arbitrary withdrawal account after the commercial transaction without being tied to a specific withdrawal account during the commercial transaction.

[0029] According to a twelfth aspect of the present invention, together with the user's debit account, the user is identified by specifying the user with a computer to which a user's terminal having a plurality of debit accounts can be connected via a communication network. A function of registering a specific number that enables a commercial transaction, a function of requesting a financial institution having a registered debit account to withdraw a fee of a commercial transaction performed by a user using the specific number, and a rate of the commercial transaction A program for realizing a function of designating a debit account for requesting a debit account based on an instruction from the terminal on the user side.

According to the recording medium of the twelfth aspect, it is possible to cause a computer to execute the same processing as the invention of the eleventh aspect. The invention according to claim 13 is a program recorded on the recording medium according to claim 12.

The invention according to claim 14 is the first step of giving a user a specific number for identifying the user and enabling the user to make a business transaction in exchange for a plurality of debit account information managed by the user, A second step of causing a user who has traded using the specific number to specify a specific debit account from a plurality of debit accounts managed by the user; and No. 3 for requesting payment and payment
And a step.

[0032] In the method according to the fourteenth aspect, the user is provided with a specific number for specifying the user and enabling the user to make a business transaction in exchange for a plurality of debit account information managed by the user. When a user makes a business transaction using a specific number, a specific debit account is specified from a plurality of debit accounts managed by the user, and the financial institution having the specified debit account debits the transaction fee from the debit account. You can request and settle. Therefore, the user can specify the predetermined debit account before the settlement date and perform the debit payment from the specified debit account without specifying the debit account when performing the debit settlement of the fee for the commercial transaction. Therefore, flexible fund management becomes possible by designating an arbitrary withdrawal account after the commercial transaction without being tied to a specific withdrawal account during the commercial transaction.

[0033] The invention according to claim 15 is a program code for giving a user a specific number for specifying the user and enabling the user to make a business transaction in exchange for a plurality of debit account information managed by the user, A program code for allowing a user who has traded using a specific number to specify a specific debit account from a plurality of debit accounts managed by the user,
And a program code for requesting a financial institution having the designated withdrawal account to withdraw the fee for the commercial transaction from the withdrawal account and causing the financial institution to make a payment. The invention described in claim 16 is the same as that recorded on the recording medium according to claim 15.

According to the fifteenth or sixteenth aspect, it is possible to cause a computer to execute the same processing as the ninth aspect.

[0035]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described below with reference to FIGS. First, the configuration will be described. FIG. 1 is a diagram showing a system configuration of the transaction management system 1. In FIG. 1, a transaction management system 1 includes a transaction management device 2, a user terminal 4 connected to the transaction management device 2 via a network 3, a store terminal 5,
A credit company-side terminal (card issuing device) 6, a management device 7.8, 9 at each financial institution (for example, a bank) having a user's withdrawal account, and a product price purchased by the user (here, a newspaper price, Terminals of the collector who collects electricity / gas usage charges) (here, terminals of the newspaper price collector and terminals of the electricity / gas fee collector) 11 and 12 and the like. FIG. 1 shows a case where one user terminal 4, one store terminal 5, one card issuing device 6, and two collector terminals 11 and 12 are connected. However, the number of these devices is not particularly limited. In addition, the terminal 11 of the collector of the newspaper price and the terminal 12 of the electricity / gas fee collector are used as the terminals on the collector side here, but are not limited thereto, and may be terminals such as a telephone company, a water bureau, and NHK.

The outline of the transaction management system described in the present embodiment is as follows. With the system having the above-described configuration, a user who manages a plurality of debit accounts is given a user's business transaction using a specific number for specifying the user. At the time of the subsequent settlement, the transaction fee is deducted from the desired debit account and the settlement is made. Regarding the specific number, in the present embodiment,
As described later, the transaction management device in the transaction management system (the management company having the transaction management device) has been described as granting it. However, the present invention is not limited to this. You may make it. That is, the credit number of the credit card issued by the credit company to the user may be used as the specific number. In that case, the transaction management device handles the credit number as the user ID.

The transaction management device 2 manages a commercial transaction of a user having a plurality of withdrawal accounts via a user terminal connected by the communication network 3,
W (World Wide Web) server function, CP
U (Central Processing Unit) 20 and RAM (Ran
dom Access Memory) 21, a recording device 22, a communication device 23, and an input / operation unit 26 such as a keyboard and a mouse.
And a display device 27 and the like, which are connected via a bus 25 and various interfaces. The transaction management device 2 is connected to the Internet, which is the communication network 3, via the communication device 23. The transaction management device 2 includes a printer and the like, although not shown.

The CPU 20 stores data such as user information, user transaction information (hereinafter referred to as transaction information), credit information, and bank information received from the Internet 3 via a program stored in the recording device 22 and the communication device 23. Various processes are executed in accordance with the application program stored in the RAM 21 in accordance with the instruction and the recording data.
M21, and temporarily stores the processing result via the communication device 23 into the terminal (the user-side terminal 4, the card issuing device 6, the financial institution management device 7.8.9, or the newspaper collection terminal 11 or the / Send to gas tariff collector terminal 12).

The RAM 21 stores the recording device 22
Forms a program storage area for expanding various data when executing a program stored in
A storage area for temporarily storing data related to processing executed by the processing unit 20, a work area processed by an input instruction and input data, and the like are formed.

The recording device 22 is a hard disk device that stores programs, data, and the like. The hard disk device 22 has a program information storage unit 221, user information 22a, transaction information 22b, registered account information 22c,
Credit information 22d, bank information 22e, credit company information (in FIG. 3 (f), indicated by credit information 22f)
An information storage unit 222 in which information such as information is stored is provided.

The program information storage unit 221 stores program codes for performing various processes in the transaction management device 2 of the present invention. Specifically, a plurality of debit account information managed by the user is stored in the information storage unit 22 from the user terminal.
2), a step of specifying a user to a terminal of the user who has registered the debit account information in the information storage unit 222, and a step of assigning a specific number that enables the user to conduct business, and A step of designating a specific debit account from a plurality of debit accounts managed by the user; And a program code capable of executing the steps of: As described above, the program code capable of executing the step of assigning the specific number to the user terminal is provided by the transaction management device 2 when the credit company provided with the card issuing device assigns the specific number to the user. It is not required on the side, and is stored in the program information section on the card light emitting device side.

Further, the program information storage unit 221 stores
As a step of causing a user who has made a business transaction using a specific number to designate a specific debit account from a plurality of debit accounts managed by the user, a payment for a transaction made by the user is settled on the display unit of the user-side terminal 4. Displaying a settlement account change display screen capable of changing the debit account together with the debit account; and, when a predetermined debit account is input on the settlement account change display screen, information is stored based on the input predetermined debit account information. Storing a program code for executing a step of extracting the predetermined debit account from the plurality of debit accounts registered in the unit 222 and a step of requesting a financial institution having the extracted predetermined account to debit the fee; I have.

The program information storage unit 221 stores an instruction for a collection request or a payment request from a partner terminal or device (for example, the card issuing device 6, the collector terminals 11 and 12) of a commercial transaction performed by the user. It stores program code that can execute a step of managing information on a commercial transaction performed by a user based on the information and transmitting the information to a user terminal. Further, the program information storage unit 221 reads the information of the debit account registered by the user in the information storage unit 222 from the financial institution side management device 7, 8, 9 having the debit account, and reads the information of the user side terminal 4. A program code for executing a step to be displayed on the display unit is stored.

The information storage unit 222 stores information for managing the commercial transaction of the user to which the specific number has been given by the transaction management device 2, and includes the user information 22a shown in FIG. Transaction information 22b shown in b), FIG.
Registered account information 22c shown in (c) and credit information 22d shown in FIG. Bank information 22 shown in FIG.
e, information such as credit company information 22f shown in FIG. 3 (f) is stored.

The user information 22a is information of a user who has registered a plurality of debit account information in the transaction management device 2 via the user side terminal and has been given a specific number (hereinafter referred to as a user ID) by the transaction management device 2. It is. User information 22
a is a user ID, a user name (kana / kanji), a password, an address, a telephone number / Fax, as shown in FIG.
Number, age, occupation, company name, company address, company number,
The information includes the number of registered accounts and the like, and these information are stored as text data.

The transaction information 22b is information when the user has performed a commercial transaction using the user ID. As an example, as shown in FIG.
D, member number, billing company, account ID, billed amount, billed amount in the current month, billed date, business partner, division / presence / number of times, statement number, etc., and these information are stored as text data. As shown in FIG. 3C, the registered account information 22c is information on a user's debit account,
Account ID, bank code, branch code, account number, subject,
It has an account holder name and the like, and these information are stored as text data. A plurality of the registered account information 22c is stored in correspondence with the number of debit accounts registered by the user. This is the basic debit account information that will be the account. The transaction management device 1
When a company or the like having the transaction management device 1 requests a membership fee such as an annual membership fee to a user who uses, the membership fee may be withdrawn from a withdrawal account provided in the basic withdrawal account information.

The credit information 22d is the user's credit information as shown in FIG.
It has a credit company ID, a membership number, usage limit information, and the like, and these information are stored as text data. In this system, as described above, when the specific number (user ID) is not assigned to the user on the transaction management device 2 side but is assigned from the card issuing device side, the member number and the user ID are the same. The bank information 22e is shown in FIG.
As shown in (e), this is information on a financial institution having a user's debit account, including information such as a bank code, a bank name (kana / kanji), a branch code, and a branch name (kana / kanji). Stored as text data. The credit company information 22f is information of the credit company registered by the user as shown in FIG. 3 (f), and includes a credit company ID, a company name (kana / kanji), and other information, and these information are stored as text data. Have been.

The communication device 23 is a LAN (Local Area Net)
work), a WAN (Wide Area Network), or an interface connectable to a transmission medium connected to various networks such as the Internet. Here, the transmission medium includes a telephone line, a coaxial cable, an optical fiber cable, and the like, and forms a network by being connected to various devices. The communication device 23
It is composed of a modem (MODEM: MOdeulator / DEModulator) or a terminal adapter (TA: Terminal Adapter), etc., and performs control for communicating with an external terminal or an external management device via a telephone line or an ISDN line. The modem is used to communicate with an external device such as a personal computer via a telephone line.
Is a device that modulates the digital data processed by the above into an analog signal that is in the frequency band of the telephone line, and demodulates the analog signal input via the telephone line into a digital signal. This is a device that converts an existing interface into an interface compatible with ISDN in order to communicate with an external device such as a personal computer via the PC.

The display device 27 is a CRT (Cathode Ray Tu)
be), an LCD (Liquid Crystal Display) or the like, and displays the contents of data transmitted and received via the input / operation unit 26 and the communication device 23 based on the display information input from the CPU 20 on the display screen. To be displayed.

The input / operation unit 26 includes a keyboard having cursor keys, numeric input keys, and various function keys, and outputs a press signal corresponding to a key pressed on the keyboard to the CPU 20. The input / operation unit 26
May be provided with a pointing device such as a mouse and a touch panel, and other input devices as necessary.

The transaction management device 2 having the above-described configuration includes a debit account registration unit for registering the debit account of the user,
A specific number assigning means for assigning a specific number identifying the user whose debit account has been registered to the debit account registering means to the terminal on the user side, and a user using the specific number assigned by the specific number assigning means. A debit requesting means for requesting a financial institution having a debit account registered in the debit registration means for debiting of the performed commercial transaction, and a debit account requesting a debit of the commercial transaction fee by the debit requesting means, Withdrawal account designation means for designation based on an instruction from a user terminal. Further, the transaction management device 2 is provided with a debit account presenting means for presenting debit account information designated by the user by the debit account designating means to a credit company terminal which is a card issuing device.

The withdrawal account registration means comprises:
RAM 21, recording device 22 (specifically, program information storage unit 221, user information 22 a stored in information storage unit 222 and including a user ID as a specific number in the present embodiment, and registration including the user ID) Account information 22c and bank information 22e). The user's withdrawal account registered in the withdrawal account registration means is transmitted from the user's terminal 4 via the communication network 3. The specific number assigning means includes a CPU 20, a RAM 21, a program information storage unit 221 of the recording device 22, and the like.
2 of the registered account information 22c (including a user ID as a specific number in the present embodiment), bank information 22e, and the like. The withdrawal request means is the CPU 20
, RAM 21 and recording device 22 (program information storage unit 221, user information 22a, transaction information 22b, registered account information 22c, credit information 22d, bank information 22
e, credit company information 22f) and the like.

The debit account designating means includes a CPU 20,
RAM 21, program information storage unit 22 of recording device 22
1. User information 22a, transaction information 22b, registered account information 22c, credit information 22d, bank information 22e, credit company information 22f, and the like. The withdrawal account presenting means includes a CPU 20, a RAM 21, and a recording device 22. Also, CPU2
0, the RAM 21 and the recording device 22 allow the transaction management device 2 to connect to the financial institution side management device 7, 8, 9 having a registered debit account via a communication network (for example, a communication line). The terminal can inquire the information of the user's registered account.

Next, the user terminal 4 will be described.
As shown in FIG. 4, the user side terminal 4 is a personal computer that can be connected to a communication network (for example, the Internet) 3.
A RAM 41, a recording device 42, an input / operation unit 43,
It comprises a communication device 44 and a display device 45, which are connected via a bus 46 and various interfaces, respectively. ,
Further, the user terminal 4 can receive a notification of a commercial transaction when the user performs using the user ID (specific number) via the communication network 3. In the present embodiment, the notification is configured to be received from the terminal of the credit company via the transaction management device 2 as described later, but the notification may be directly received from the credit company. Good.

The CPU 40 performs processing such as activating the user terminal 4 and accessing the transaction management device 2 based on the OS program and the browser program stored in the hard disk device 42 as the recording device 42.
The RAM 41 forms a program storage area for expanding various data when the CPU 40 executes a program (OS program or browser program) stored in the hard disk device 42, and temporarily stores data relating to processing executed by the CPU 40. And a work area processed by the input instruction and the input data. The debit account information input from the input / operation unit 43 is stored in a terminal (store terminal 5, convert terminal 11 or 12 etc.) or device (card issuing device 6, transaction management device) connected by the processing of the CPU 40. 2) can be transmitted from a web page that can be browsed by a browser.

The CPU 40 is connected to the communication network 3
By accessing the transaction management device 2 via the transaction management device 2, a plurality of debit account information managed by the transaction management device 2 (FIG. 3D)
3) and user information (FIG. 3)
By transmitting (the information stored in (a)) or accessing the card issuing device 6, the user ID information can be transmitted to the card issuing device 6. Further, it receives the user ID information from the transaction management device 2. In addition, by accessing a store-side HP opened on a web server (not shown), an Internet shop use process can be performed.

The recording device 42 is a hard disk device 42 in which programs, data, and the like are stored, and has a program information storage section 42a. The program information storage unit 42a stores a program code of an OS, a program code of a browser for executing a process of displaying an input screen on the display device 45, and the like.

The display device 45 is, for example, a CRT or an LCD.
The input screen and the selection screen are displayed according to the display control of the CPU 40. Further, on the display device 45, an input column for selectively inputting a debit account is displayed as debit account information to be input by being connected to the transaction management device 2.

Further, the display device 45 is connected to the transaction management device 2 and has a debit settlement information (a billing amount of a transaction fee) in which a debit account for a commercial transaction performed by the user is set, and a set debit account. A button for changing the account is displayed. When the change of the debit account is designated by pressing this button, information on a plurality of debit accounts registered in the transaction management device 2 is displayed on the display device 45 in a selectable manner. . The debit settlement information includes a business partner name (and a credit number if the business partner is a credit company), a billed amount, a debit account number of a debit account to be settled, a bank name having a debit account,
The bank information (for example, a branch, a head office, etc.), a subject name, a scheduled withdrawal date, and the like are listed. Also,
The display device 45 displays information on the debit account registered in the registered account information. For example, a financial institution name (bank name), a subject, an account number, an account holder name, and the like are displayed for each debit account.

The communication device 44 is constituted by a modem (MODEM: MOdulator / DEModulator) which can be connected to a radio telephone line or a general telephone line and has a function of communication. The input / operation unit 43 is a pointing device such as a keyboard, a numeric keypad, a mouse, and a touch pen.

Next, the store terminal 5 will be described. The store-side terminal 5 is a personal computer that can be connected to a communication network (for example, the Internet) 3, and its main components are a CPU, a RAM, a recording device, an input / operation unit, and a communication device (transmission unit). And a display device, which are connected via a bus and various interfaces.

The CPU temporarily stores the program stored in the hard disk device as a recording device and the input debit account information in the RAM, and displays the processing result on the display device.
(Display unit). R
The AM forms a program storage area for expanding various data when the CPU executes a program stored in the hard disk device, and a storage area for temporarily storing data relating to processing executed by the CPU, an input instruction, A work area or the like to be processed by the input data is formed. Further, the debit account information input from the input / operation unit is temporarily stored in the RAM and stored in the hard disk device.

The recording device is a hard disk device that stores programs, data, and the like, and includes a program information storage unit and a user information storage unit. The program information storage unit stores program codes and the like necessary to execute a process of displaying an input screen on a display device. The user information storage unit receives an input from the input / operation unit,
Information such as a user name, a user's credit number, a product name purchased by the user, and a user's purchase price temporarily stored in M is stored as text data. The display device includes, for example, a CRT, an LCD, and the like, and includes a CPU.
The input screen and the selection screen are displayed in accordance with the display control of. The communication device can be connected to a wireless telephone line or a general telephone line and has a function capable of communication.
M: MOdulator / DEModulator). The input / operation unit 43 is a pointing device such as a keyboard, a numeric keypad, a mouse, and a touch pen. When the user purchases a product using the credit card issued by the card issuing device 6, the store-side terminal 5 configured as described above performs processing by the CPU based on information stored in the user information storage unit. Request the card issuing device 6 to collect the purchase price.

Next, the card issuing device (the credit company terminal 6) will be described. The card issuing device 6 issues a credit card to the user based on the specific number (user ID) input from the user side terminal 4,
Based on the information input from the store side terminal 5, the transaction management device 2
In this embodiment, as described above, the user ID is described as a configuration assigned to the user by the transaction management device 2, but the card issuing device 6 assigns the user to the user. The specific number to be specified may be given to the user as a credit number of the credit card. In that case, the transaction management device 2 sets the user I
The process of giving D is not performed, and a credit number as a specific number given by the credit company together with the debit account information managed by the user is used as the user ID.

As shown in FIG. 5, the card issuing device 6
It can be connected to a communication network (for example, the Internet) 3 and its main components are a CPU 60 and a RAM 61
, A recording device 62, an input / operation unit 63, a communication device (transmission unit) 64, and a display device 65, which are connected via a bus 66 and various interfaces.
The CPU 60 is a hard disk device 6 that is a recording device 62.
2 is stored in the RAM 61 temporarily, and the processing result of displaying the processing result on the display device (display unit) 65 is performed. The RAM 61 forms a program storage area for expanding various data when the CPU 60 executes a program stored in the hard disk device 62.
It forms a storage area for temporarily storing data related to processing executed by the PU 60, a work area processed by an input instruction and input data, and the like. The user information input from the input / operation unit 63 is temporarily stored in the RAM 61 and stored in the hard disk device 62.

The recording device 62 is a hard disk device 62 storing programs, data, and the like, and includes a program information storage unit 62a and a user information storage unit 62b. The program information storage unit 62a stores program codes and the like necessary to execute a process of displaying an input screen on the display device 65. User information storage unit 62b
Stores the user information input from the input / operation unit 63 and temporarily stored in the RAM 61. Here, the user information includes a user name, a user ID (specific number) assigned to the user by the transaction management device 2, and the like. When the user ID as the specific number is assigned to the user on the credit company side, that is, on the card issuing device 6 side instead of the transaction management device, this is one of the user information stored in the user information storage unit 62b. The credit number is used as the user ID. The display device 65 is, for example, a CRT,
An input screen and a selection screen are displayed according to the display control of the CPU 60. The communication device 64
A modem (MODEM: MOdula) that can be connected to a wireless telephone line or a general telephone line and has a function of communicating.
tor / DEModulator). Input / operation unit 6
Reference numeral 3 denotes a keyboard, a numeric keypad, a mouse, a pointing device such as a touch pen, and the like.

The card issuing device 6 includes a CPU 60, an R
The AM 61 and the recording device 62 issue a credit card that allows commercial transactions to the user who has presented the user ID via the user terminal 4. At this time, the CPU 60 performs a process of storing user information such as a user name and a user ID input by the user terminal 4 based on the program stored in the program information storage unit 62a in the user information storage unit 62b. In addition, the card issuing device 6 is provided with a collection agent means for requesting the transaction management device 2 to collect a fee for a commercial transaction by using the card of the user. The collection means is composed of a CPU 60, a RAM 61, a recording device 62, and the like. To the user information storage unit 6
2b, the user information such as the user name and the user ID is transmitted to the transaction management device 2 via the communication device 64, and the user is requested to collect the transaction fee.

The transaction management device 2 which has been requested to collect money by the money collecting agent means, transfers the business transaction from the debit account to the bank having the debit account designated by the user by the debit account designating means. Request a debit. Further, it is configured such that the user information can be received from the transaction management device 2 when the information of the user who issued the card is lost.

Next, the financial institution side management devices 7, 8, 9 will be described. The financial institution-side management devices 7, 8, and 9 hold user accounts and manage the funds deposited and saved in these user accounts, respectively.
Can be connected to Its main components are CPU, RAM
, A recording device, an input / operation unit, a communication device, and a display device, each of which is connected via a bus or various interfaces.

The CPU stores, in the RAM, data such as a program stored in the recording device, debit request information from the user's account received from the communication network via the communication device, and inquiry request information of the registered account information of the user. And executes various processes in accordance with the application program stored in the RAM according to the instruction and the recording data.
The processing result is temporarily stored in the RAM, and the processing result is transmitted to the transaction management device 2, the store-side terminal 5, the newspaper charge collector terminal 11 and the electricity / gas charge collector terminal 12 via the communication device. I do.

The RAM forms a program storage area for expanding various data when the CPU executes a program stored in the recording device, and a storage area for temporarily storing data relating to processing executed by the CPU. A work area or the like processed by the input instruction and the input data is formed.

The recording device is a hard disk device that stores programs, data, and the like. The hard disk device includes a program information storage unit and a user account information storage unit that stores information such as user account information including user information. Is provided. The program information storage unit stores program codes for performing various processes in the transaction management device 2 of the present invention. Specifically, a step of debiting a commercial transaction fee from the user's account based on an instruction of the transaction management device 2 and executing payment to a predetermined business partner (for example, the store terminal 5 or the collector terminals 11 and 12). And storing a program code capable of executing a step of outputting the user's account information to the transaction management apparatus based on an instruction for inquiring the user account information from the transaction management apparatus 2 and a step of concluding an EB contract with the user. I have.

The user account information storage unit stores the transaction management device 2
Stores account information of the user to which the fixed number is assigned. For example, information for identifying a user such as a user name, a user address, and a user's date of birth, and information such as an account number registered by the user and the amount of funds in the account are stored.

The communication device is a LAN (Local Area Network).
k), an interface connectable to a transmission medium connected to various networks such as a WAN (Wide Area Network) or the Internet. Here, the transmission medium includes a telephone line, a metal wire, a coaxial cable, an optical fiber cable, and the like, and forms a network by being connected to various devices.

The communication device is a modem (MODEM: MOdeul).
ator / DEModulator) or terminal adapter (TA: Te)
rminal Adapter), telephone line, IS
The modem performs control for communication with an external terminal or an external management device via a DN line communication line, and the modem processes by a CPU for communication with an external device such as a personal computer via a telephone line. Is a device that modulates the converted digital data into an analog signal in the frequency band of the telephone line, and demodulates the analog signal input through the telephone line into a digital signal. This is a device that converts an existing interface into an interface corresponding to ISDN in order to communicate with an external device such as a personal computer.

The display device has a display screen such as a CRT or an LCD, and displays the contents of data transmitted and received via the input unit and the communication device 23 on the display screen based on display information input from the CPU. Display.

The input unit includes a cursor key, a number input key,
And a keyboard provided with various function keys.
Output to 0. Note that the input / operation unit 26 may include a pointing device such as a mouse and a touch panel, and other input devices as necessary.

The processing performed by the financial institution-side management devices 7, 8, and 9 is the management device of the bank in the present embodiment, and is based on the information inquiry command and the payment command information of the transaction management device 2.
The information of the user's withdrawal account is transmitted to the transaction management device 2, or a predetermined amount is debited from the user's account to a store or the like requesting a commercial transaction fee, and the settlement process is performed. Further, by making an EB contract with the user, the user can make a balance inquiry and a transfer instruction from the user terminal. In addition, terminals 11 and 12 on the collector side (here, terminals on the newspaper price collector side and terminals on the electricity / gas charge collector side) 11 and 12 can be connected to the communication network 3, and the main configuration thereof is as follows.
It comprises a CPU, a RAM, a recording device, an input / operation unit, a communication device, and a display device, each of which is connected via a bus or various interfaces. The terminals 11 and 12 on the collector side use the user ID by the above-described configuration.
Is presented to the user to provide services such as newspapers and electricity / gas, and a process of requesting the transaction management device 2 to pay for the price.

Next, the processing of the above-described transaction management system 1 will be described with reference to FIG. The processing performed by the transaction management device 2, the user-side terminal 4, the store-side terminal 5, the card issuing device 6, and the financial institution-side management devices 7, 8, and 9 are executed by respective CPUs.
Is executed based on a program provided in each device and terminal.

First, a user who requests the transaction management device 2 to manage a commercial transaction connects to the transaction management device 2 from the user side terminal 4 such as a personal computer or a computer through the communication network 3 and obtains information on a plurality of debit accounts possessed by the user. Is output to the transaction management device 2 to request a bank application / examination (shown by an arrow). The transaction management device 2 that has been requested / reviewed by the house bank examines the input user information including the plurality of debit accounts, and if the conditions are cleared, the plurality of debit accounts are registered by the debit account registration means. The user registration is performed by storing the user information including the information of the user in the information storage unit 222, and a specific number for specifying the user whose information on the debit account has been registered by the specific number assigning means is assigned to the terminal on the user side ( Indicated by arrows). At this time, the debit account registration unit stores the user information 22a and the registered account information 22c in the information storage unit 222 of the recording device 22 based on the information input from the user side terminal 4.
Each information is stored in. The user information 22a and the registered account information 22c are associated with each other by a user ID given to the user. It should be noted that although not shown, the user is required
The user information to be input is easily performed on the registration application screen transmitted from the transaction management device 2.

Next, the user enters via the user terminal 4
By outputting user information including user ID information to the card issuing device 6 (illustrated by an arrow), the card issuing device 6 issues a credit card that can be traded to the user. At this time, the card issuing device 6 stores the user name, the user ID, the credit number, and the like in the user information storage unit in association with each other by processing such as a CPU and a RAM. Next, the user presents the assigned user ID, or performs a business transaction such as a service such as newspaper or electricity / gas (shown by an arrow) or a purchase of a product from a store (shown by an arrow) by using a credit card. . In other words, when the user ID is used as it is, the user ID is set to the newspaper company or the electricity / gas company.
, It is possible to enjoy services such as newspapers and electricity / gas, and by presenting a credit card to the store side, it is possible to conduct a credit transaction and purchase products.

The store that has conducted the business transaction with the user requests the computer of the credit company (card issuing device 6) to collect the fee for the business transaction (illustrated by an arrow),
The gas company requests the transaction management device 2 to pay the fee for each service provided to the user via the collector side terminals 11 and 12 (illustrated by arrows). Next, the user connects the user terminal 4 to the transaction management apparatus 2 before the settlement date of the commercial transaction, and performs a specific account inquiry / withdrawal instruction (designated by an arrow) in order to designate the reduction of the commercial transaction fee. The processing of the specific account inquiry / withdrawal instruction will be described with reference to FIGS. FIGS. 7 and 8 show the transaction management device 2 to the display device 4 of the user terminal in the specific account inquiry / deduction instruction processing.
FIG. 7 is a diagram showing an example of a screen displayed on No. 5;

First, the user connects the user-side terminal 4 to the transaction management device 2 so that the transaction management device 2 displays a commercial transaction on the display device 45 of the user-side terminal 4 using the credit card or the user ID. And the information of the debit account for setting the debit account for which the amount to be charged is to be debited are displayed as the commercial transaction settlement account setting main screen 30 (see FIG. 7).

As shown in FIG. 7, the main screen 30 for setting up a commercial transaction settlement account includes a user name 31 and a debit settlement account display area 32 of “Bill of the Month” as debit settlement information for commercial transaction.
And a registered account display area 33 of “registered account” indicating registered account information registered in the transaction management device 2 by the user. The main screen 30 for setting up a commercial transaction settlement account includes a current month information button 34 for displaying information of the current month's commercial transaction shown in the figure, a previous month information button 35 for displaying the settlement account information of the previous month's commercial transaction, It has an account change button 36 for changing each displayed debit settlement account of “Bill of the Month” displayed to a screen state that can be changed, a print button 37 for printing a display screen, an end button 38 for ending the transaction settlement account setting, and the like. . It should be noted that the commercial transaction settlement account setting main screen 30 displays the date “2000/10/25” 3 when the user accesses the transaction management device 2 via the user-side terminal 4.
9 is displayed.

In the withdrawal settlement account display area 32, the name of the business partner, the amount to be charged, the withdrawal account information, and the scheduled withdrawal date are displayed. Specifically, in FIG. 7, the credit card information “BISA No. BZA123456” indicating the business partner as the business transaction information using the credit card, the billed amount of the commercial transaction performed using the credit card \ 150,720-, the scheduled debit date 20001
On January 10, "Account Information 1 Sumiwa Bank Yokocho Branch Normal: 123456" etc. is displayed as a debit account. Further, FIG. 7 shows information on a case where the transaction is performed using a credit card issued by presenting a user ID to another credit company as a commercial transaction performed by another user.
In other words, the name of the business partner (“Ameri-kan Express No. AME987654” as the card company name and card number, “237,230-” as the billing amount, and “
January 10 "," Account Information 2, Tokyo Hanabishi Bank, Kanomon Branch Normal: 456789 "etc. are displayed as debit account information. In addition, the names of business partners, such as Akebono newspaper sales and sunrise milk, and the names of the business partners, billed amounts, debit account information, and scheduled debit dates are displayed. In the debit settlement account display area 32, a “next information” button 32a is displayed.
By pressing the "next information" button 32a, the remaining debit account information that is not displayed in the first debit account display area 32 can be displayed.

[0086] In the registered account display area 33, debit account information registered by the user is displayed. As the debit account information, for example, the name of the financial institution “Suwa Bank”, the subject “Normal”, the account number “123456”, the account holder name “Mr.Murakami”, etc. are displayed as the account information 1. Note that a vertical scroll bar 33a is provided in the registered account display area 33, and the user can scroll up and down by dragging a scroll box 33ab in the vertical scroll bar 33a, so that the display content of the registered account display area 33 can be moved. To display registered account information. It should be noted that the balance of the account may be displayed as each account information on the screen in the above state. By displaying the balance of each account, it is possible to perform a desired settlement accurately while confirming the balance when designating an account for debiting charges for various transactions.
In this case, the condition is that the user has an EB contract with a financial institution (here, a bank) A, B, or C having a debit account registered in the transaction management device 2.
If the contract B is concluded, the transaction management device can inquire each bank having a registered user's debit account for information and display the information in the registered account display area 33.

When the user presses the “change account” button 36 with the pointer on the main screen 30, the withdrawn account designation means can select each of the plurality of business partner names displayed in the registered account display area 33. To be displayed. Then, the user enters a predetermined business partner name (for example,
By directly specifying "BISA No.BZA123456"), it becomes possible to change the settlement account of the commercial transaction having the specified counterparty name. At this time, the business partner name other than the specified business partner name is displayed in a light color to indicate that it is not selected.
In addition, the debit account designation means displays each account information displayed in the registered account display area 33 in a selectable manner when the user selects a predetermined business partner name. Here, the account names of, for example, “account information 1”, “account information 2”, and “account information 3” among the account information displayed in the registered account display area 33 are displayed so as to be selectable by the user.

Then, the user selects an account to be changed from the registered account display area 33 (move the pointer to predetermined account information, for example, “account information 3” and click).
Then, as shown in FIG. 8, a withdrawal account confirmation screen 50 is displayed, which indicates that the account for settling the predetermined commercial transaction fee has been changed. In FIG. 8, the debit account confirmation screen 50 is
User name 31, date 39, account information change display area 51,
Confirmation "OK" button 52 for registering the display contents of the account information change display area 51, "Cancel" for changing the display contents
A button 53, an "account reselection" button 54 for reselecting an account, an "end" button 55, and the like are provided.

In the account information change display area 51, commercial transaction information for changing a debit account, for example, transaction information “BISA No.BZA1
23456 "and the transaction fee \ 150,720- are displayed," Account Information 1 "is used as the information before the change of the debit account of this transaction fee, and" Account Information 3 "is used as the post-change information.
Is displayed. In other words, "Account Information 1" indicates the debit account of the transaction fee of "BISA No.BZA123456" \ 150,720-, "Suwa Bank Yokocho Branch Subject: Ordinary Account Number:
123456 Account name: Mr.Murakami is shown to be changed to “Yuzuki Bank, Seaside Branch, Account Information 3”. And if this content is correct, "O
By pressing the "K" button 52, the screen returns to the previous main screen in a state in which the change result is reflected.

If the contents are incorrect or if the user wants to change the contents, the user can press the "Cancel" button 53 or the "account reselection" button 54 to set the change again. At this time, if the “Cancel” button 53 is pressed, the display screen before the change is displayed,
When the "account reselection" button 54 is pressed, a screen in which a debit account can be changed is displayed, and predetermined commercial transaction information (customer name) is selected again and the fee for the commercial transaction is deducted. Account can be specified. Although the description is omitted, the user can perform new registration, change registration, deletion, and the like of the account displayed in the registered account display area 33 by the processing performed by the transaction management device on the main screen.

As described above, the debit account designating means of the transaction management device 2 designates the debit account for the user's commercial transaction fee based on the instruction from the terminal on the user side, and has the debit account designated by the debit request means. Financial institution management device 7
Ask 8.9 for the reduction of commercial transaction fees (illustrated by arrows). Next, the financial institution side management devices 7, 8, 9 requested by the debit requesting means debit the designated fees from the debit accounts of the respective users, and execute the payment to the business partner (arrow 10). Illustrated). Thus, the settlement of the user's commercial transaction is completed.

If the user forgets to change the debit account before the settlement date of the transaction fee, the debit request means sends the transaction fee to the financial institution management device having the basic deduction account registered in advance. Request payment,

Transaction management system 1 configured as described above
Then, the following effects can be obtained. Advantages of the user who uses the user side terminal 4 1) The user ID or the account for debiting the fee for the commercial transaction performed by the credit card based on the user ID can be designated before the settlement date of the commercial transaction without setting in advance at the time of the commercial transaction. As a result, flexible fund settlement becomes possible.
This is particularly effective when the user is a corporation and has a plurality of debit accounts, without being tied to a specific debit account. 2) The user presents a plurality of debit account information possessed by the user to a separate credit company to have the user issue a card, and separately uses the plurality of debit accounts to separately use the plurality of debit accounts to settle a transaction fee. And it is only necessary to present a plurality of debit account information possessed by the user to the transaction management device 2, so that the account information of the user is not leaked to an unspecified number of users. 3) The account change for debiting the transaction fee can be changed in a lump, so that complicated work is not required. 4) In addition, there is no need to transfer funds from another debit account to the debit account from which the transaction fee is debited, and the transfer fee at that time can be omitted. Advantages of the transaction management company having the transaction management device 2 1) It is possible to collect a usage fee from the user. Advantages of a fund collection company having the collector terminals 11 and 12 and the card issuing device 6 1) The probability of uncollected funds due to a shortage of funds in a designated account can be reduced.

In the above embodiment, the user performs the commercial transaction by using the credit card issued by the card issuing device 6 by presenting the user ID given by the transaction management device 2. The present invention is not limited to this, and the commercial transaction may be performed by directly using the user ID. For example, when purchasing a product from a store via the Internet, the user ID is directly presented to the store where the product is purchased, and the store uses the presented user ID to request the transaction management device 2 to pay the price. May be configured. In addition, service usage is also included, such as tolls paid when using the expressway as commercial products,
The toll to be paid for the use of this service may also be settled by debiting from a debit account specified by the user via the transaction management device 2. Further, in the present embodiment, the user ID (specific number) given to the user terminal from the transaction management device 2 is given via the communication network 3, but is not limited to this. A notice is sent to the user side from a management company or the like using another transmission means such as mailing, and the user who has received the notified user ID registers the user terminal, thereby giving the user ID to the user terminal. It may be.

[0095]

As described above, according to the transaction management apparatus according to the first aspect of the present invention, the user does not specify the debit account for debiting the transaction fee at the time of the occurrence of the transaction, but the predetermined debit account before settlement. , And flexible fund settlement becomes possible. Also, unlike the case where the user actually conducts a credit transaction, it is not necessary to use a credit card in which the user has registered a plurality of deposit accounts of a plurality of financial institutions, which is not troublesome, and the credit card is debited to a plurality of credit companies. Since it is not necessary to disclose the account information, the personal account information is not leaked to the outside more than necessary. Also, when the user conducts a commercial transaction, even if the card in which the deposit account to be debited is registered cannot be used at the store performing the credit transaction,
There is no need to transfer a deposit from another account to a debit account that will be deducted by the credit transaction after first performing a credit transaction with a credit card that can be used at the store, and there is no trouble. In this case, it is possible to eliminate the burden of commission generated for the transfer of funds.

According to the transaction management apparatus according to the second aspect of the invention, the same effect as that of the first aspect of the invention can be obtained, and the user is specified to the terminal on the user side by the specific number assigning means. Since the specific number is assigned, there is no need for an additional device for assigning the specific number to the user.

[0097] According to the transaction management apparatus of the third aspect of the invention, the same effects as those of the first or second aspect of the invention can be obtained, and at least one of the plurality of debit accounts is set by the user. Since it is a basic debit account that becomes a debit account when forgetting to specify, if the user forgets to specify a debit account for commercial transactions, the financial institution having the basic debit account by the debit request means regardless of the user's specification Requesting the debit of a commercial transaction fee to ensure payment.

According to the transaction management apparatus according to the fourth aspect of the invention, it is possible to obtain the same effects as the invention according to any one of the first to third aspects, and the debit account designation means is configured to execute the debit account The information of the plurality of debit accounts registered in the registration means is transmitted to the terminal on the user side, and the terminal on the user side capable of receiving notification of the commercial transaction registers and changes the debit account. The debit account for requesting the debit of the transaction fee can be easily registered or changed while confirming the notification of the transaction, and the debit account can be instructed to the debit account designation means.

According to the transaction management apparatus according to the fifth aspect of the invention, the same effect as that of the fourth aspect of the invention can be obtained, and the transaction management apparatus is transmitted to the terminal on the user side by the withdrawal account designating means. Since the account information is included in the information of the plurality of debit accounts, the user checks the balances of the plurality of debit accounts registered in the debit account registration means and registers / changes the debit account to be settled by the user. It can be easily performed via a terminal. That is, it is possible to prevent the balance of the account after settlement from becoming negative.

According to the transaction management apparatus according to the sixth aspect of the present invention, the same effects as those of the first to fifth aspects of the invention can be obtained, and the fee for the commercial transaction performed by the user can be obtained. Has a designated debit account based on the instruction of the user's terminal for at least one of the product price (including service usage fees such as road tolls), the newspaper fee, and the utility fee such as electric gas. The user can request a financial institution, and the user designates payment of at least one of utility charges such as a commodity price, a newspaper fee, and electric gas from the debit account registered in the debit account registration means and performs the settlement. Can be.

According to the transaction management system of the present invention, the debit account designation means of the transaction management device is configured to register the debit account registered in the debit account registration means based on an instruction from the terminal on the user side. A debit account to be settled is designated, and the debit request means requests the financial institution-side management device having the debit account to debit the debit account. Therefore, the user who has performed the commercial transaction using the specific number can designate a debit account for the fee for the commercial transaction from the terminal on the user side before the settlement of the commercial transaction, and can debit the designated debit account.

According to the transaction management system according to the eighth aspect of the invention, the same effect as that of the seventh aspect of the invention can be obtained, and the card issuing device can provide the user with the specific number of the user by presenting the specific number. While issuing a credit card, the collection means provided in the card issuing device requests the transaction management device to collect a fee for a commercial transaction by using the user's card, and the transaction management device that has been requested to collect the money, The debit requesting means requests the financial institution having the debit account designated by the debit account designation means to deduct the transaction fee from the debit account. Therefore, even when the user conducts a commercial transaction using a credit card, it is possible to instruct the transaction management device from the terminal on the user side to deduct the fee for the commercial transaction, and the transaction management device transmits the charge from the terminal on the user side. When the financial institution side management apparatus having the designated debit account is requested for a debit account for the fee for the commercial transaction, settlement can be performed from the debit account.

Further, when the user issues a credit card to the card issuing device, the user only has to present the specific number assigned by the specific number assigning means of the transaction management device. There is no need to present information to the card issuing device, and the security of the user's debit account information can be improved.

According to the transaction management system according to the ninth aspect of the invention, the same effect as that of the eighth aspect of the invention can be obtained, and the transaction management device stores the debit account information specified by the user in the transaction management system. Present it to the card issuing device,
The card issuing device side can confirm a debit account in which a fee for a commercial transaction performed using the specific number is settled.
In other words, when the card issuing device is provided in a different company from the management company having the transaction management device, for example, provided in the terminal of the credit company, and performs the collection of the fee of the commercial transaction performed by the user to the management company, Notify the result of settlement.

According to the transaction management system of the tenth aspect, the same effect as that of the eighth or ninth aspect can be obtained, and the card issuing device and the transaction management device are integrated. Since it is provided, the user is given the specific number and a credit card is issued, so that it is not necessary to separately perform procedures.

In the transaction management system according to the tenth aspect, since the card issuing device and the transaction management device are provided integrally, the user is given the specific number and issues a credit card. And
It is possible to save the trouble of separately processing each.

In the method for managing a transaction fee withdrawal according to the present invention, when a user makes a business transaction using a specific number, the user designates a specific withdrawal account from a plurality of withdrawal accounts managed by the user and designates the designated account. Payment can be made by requesting a financial institution having a debit account to deduct the fee for the commercial transaction from the debit account. Therefore, the user can specify the predetermined debit account before the settlement date and perform the debit payment from the specified debit account without specifying the debit account when performing the debit settlement of the fee for the commercial transaction. Therefore, flexible fund management becomes possible by designating an arbitrary withdrawal account after the commercial transaction without being tied to a specific withdrawal account during the commercial transaction.

According to the recording medium of the twelfth aspect, it is possible to cause a computer to execute the same processing as that of the eleventh aspect. The invention according to claim 13 is a program recorded on the recording medium according to claim 12.

In the method for managing a transaction fee withdrawal according to the invention described in claim 14, the user specifies the user and, in exchange for the plurality of account information managed by the user, a specific number for enabling the user to make a business transaction. Is given, when a user makes a business transaction using a specific number, a specific debit account is designated from a plurality of debit accounts managed by the user, and the financial institution having the specified debit account is charged to the financial institution having the debit account from the debit account. You can request a debit and make a payment. Therefore, when performing the withdrawal settlement of the fee for the commercial transaction, the user can specify the predetermined withdrawal account before the settlement date and perform the withdrawal settlement from the designated withdrawal account without specifying the withdrawal account, so at the time of the commercial transaction Specifying an arbitrary withdrawal account after a commercial transaction without being tied to a specific withdrawal account enables flexible fund management.

According to the fifteenth or sixteenth aspect, it is possible to cause a computer to execute the same processing as the ninth aspect.

[Brief description of the drawings]

FIG. 1 is a diagram showing a system configuration of a transaction management system 1 as an example to which the present invention is applied.

FIG. 2 is a diagram showing a main configuration of the transaction management device of FIG. 1;

3 is a diagram showing an example of an information table stored in an information storage unit 222 of the transaction management device 2 in FIG.

FIG. 4 is a diagram showing a configuration of a main part of a user terminal in FIG. 1;

FIG. 5 is a diagram showing a main configuration of the card issuing device of FIG. 1;

FIG. 6 is a diagram schematically showing a flow of processing executed by the transaction system of FIG. 1;

FIG. 7 is a diagram showing a screen displaying the user's transaction information transmitted from the transaction management device to the user terminal in FIG. 6;

FIG. 8 is a diagram showing a screen for confirming a state in which a debit account of a predetermined commercial transaction fee has been changed in FIG. 7;

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 1 Transaction management system 2 Transaction management device 3 Communication network 4 User side terminal 6 Credit company side terminal (card issuing device) 7, 8, 9 Financial institution side management device 11.12 Collecting party side terminal 20 CPU (Debit account registration means, Specific numbering means,
Debit request means, debit account designation means, debit account presenting means) 21 RAM (debit account registration means, specific number assigning means,
Debit request means, debit account specifying means, debit account presenting means) 22 Storage device (debit account registration means, debit request means, debit account specifying means, debit account presenting means) 60 CPU (collection proxy means) 61 RAM (collection proxy means) 62 storage device (collection agency)

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/60 512 G06F 17/60 512

Claims (16)

[Claims] 1. A transaction management device for connecting a user terminal via a communication network and managing a commercial transaction of a user having a plurality of withdrawal accounts, wherein the transaction management device identifies the user together with the user's withdrawal account. A debit account registration means in which a specific number enabling a user's commercial transaction is registered, and a debit account registered in the debit account registration means in the debit account registration means, by using the specific number to deduct a fee for a commercial transaction performed by the user. Withdrawal request means for making a request to a financial institution having the same, and withdrawal account designation means for designating a withdrawal account for requesting the reduction of the transaction fee by the withdrawal request means based on an instruction from the terminal on the user side. A transaction management device. 2. The transaction management apparatus according to claim 1, further comprising a specific number assigning unit that assigns the specific number to the user terminal. 3. The transaction management device according to claim 1, wherein at least one of the plurality of transaction accounts is a basic debit account that is a debit account when a user forgets to specify an account. And a transaction management device. 4. The transaction management apparatus according to claim 1, wherein the debit account designation unit receives information on a plurality of debit accounts registered in the debit account registration unit for a commercial transaction. A transaction management device, wherein the transaction is transmitted to a terminal on the user side capable of performing registration and change of a debit account by the terminal on the user side. 5. The transaction management device according to claim 4, wherein the information on the plurality of debit accounts includes account balance information. 6. The transaction management device according to claim 1, wherein the user's business transaction fee is at least one of a utility fee such as a product price, a newspaper fee, and electric gas. The transaction management device, wherein the requesting unit requests the financial institution to debit at least one of public charges such as a commodity price, a newspaper fee, and electric gas from the designated debit account. 7. The transaction management device according to claim 1, wherein the transaction management device is connected via a communication network, and the debit account registration means manages a plurality of debit accounts to be managed. A communication terminal on the user side on which the specific number is registered, connected to the transaction management device via a communication line, and having a debit account of the user that can be debited from the transaction management device;
And a financial institution-side management device that manages the withdrawal account, wherein the withdrawal requesting means sends a transaction fee from the withdrawal account to a financial institution-side management device having a withdrawal account designated by the user's terminal. A transaction management system characterized by requesting a debit. 8. The transaction management system according to claim 7, wherein a card issuing device that issues a credit card to the user by presenting a specific number of the user is connected to the transaction management device via a communication network. The card issuing device includes a collection agent means for requesting the transaction management device to collect a fee for a commercial transaction by using the card of the user, and the transaction management device requested to collect money by the collection agent device, A transaction management system comprising: requesting a financial institution having a debit account designated by a user by an account designation unit to deduct a fee for the commercial transaction from the debit account by the debit request unit. 9. The transaction management system according to claim 8, wherein the transaction management device includes a debit account presentation unit that presents debit account information designated by a user by the debit account designation unit to the card issuing device. A transaction management system, characterized in that: 10. The transaction management system according to claim 8, wherein the card issuing device and the transaction management device are provided integrally. 11. A transaction fee withdrawal management method for managing a commercial transaction of a user having a plurality of withdrawal accounts, wherein, together with the user's withdrawal account, a specific number for identifying the user and enabling the user's transaction is registered. A first step of causing a user who has performed a business transaction using the specific number to specify a specific debit account from a registered user's debit account; and A third step of requesting the payment of the commercial transaction from the withdrawal account to settle the transaction and causing the payment to be settled. 12. A specification that allows a user terminal of a user having a plurality of debit accounts to be connected to a computer via a communication network together with the debit account of the user and specifies the user to enable the user to make a commercial transaction. A function of registering a number, a function of requesting a financial institution having a registered debit account to deduct a fee for a commercial transaction performed by a user by using the specific number, and a debit requesting a debit of the fee for the commercial transaction. A computer-readable recording medium recording a program for realizing a function of designating an account based on an instruction from the terminal on the user side. 13. A specification that allows a user terminal of a user having a plurality of debit accounts to be connected to a computer via a communication network together with the debit account of the user and specifies the user to enable the user to conduct business transactions. A function of registering a number, a function of requesting a financial institution having a registered debit account to deduct a fee for a commercial transaction performed by a user by using the specific number, and a debit requesting a debit of the fee for the commercial transaction. A function of designating an account based on an instruction from the terminal on the user side. 14. A first step of giving a user a specific number for identifying the user and enabling the user to make a business transaction in exchange for a plurality of debit account information managed by the user; and using the specific number. A second step of allowing a user who has made a transaction to specify a specific debit account from a plurality of debit accounts managed by the user; and requesting a financial institution having the specified debit account to debit the transaction fee from the debit account. And a third step of making a payment. 15. A function of assigning a specific number to a user for identifying the user and enabling the user to make a transaction with the computer in exchange for a plurality of debit account information managed by the user; The designated user from among a plurality of withdrawal accounts managed by the user, and a function of requesting a financial institution having the designated withdrawal account to withdraw the fee for the commercial transaction from the withdrawal account and settle the transaction. A computer-readable recording medium on which a program for realizing the functions is recorded. 16. A computer in which a user terminal of a user having a plurality of debit accounts can be connected via a communication network, in exchange for the plurality of debit account information managed by the user with the terminal on the user side, A function of specifying a user and assigning a specific number that allows the user to make a business transaction, a function of allowing a user who has traded using the specific number to specify a specific debit account from a plurality of debit accounts managed by the user, A function for requesting a financial institution having a designated debit account to debit the fee for the commercial transaction from the debit account and causing the financial institution to settle the transaction.