JP2002312706A - Remittance system, storage medium and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a remittance system in which a sale charge is easily and safely remitted. SOLUTION: The remittance system is provided with a transaction data base storage part 80 storing a transaction data base including user IDs specifying a user A and a user B, transaction account IDs and transaction data based on transactions, and a processing server 60 acquiring a remittance command from at least one of the user A and the user B, collating the remittance command and the transaction data base D2, and in the case that the remittance command is proper as the result of collation, extracting the transaction account ID from the transaction data base D2 and instructing the transfer of the sale charge from the transaction account of the user A to the transaction account of the user B on the basis of the transaction account ID.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a remittance system, a storage medium, and a program for performing a remittance of a trading value or the like generated in a transaction such as an online auction or online shopping.

[0002]

2. Description of the Related Art Goods and services are frequently traded on a network (such as a communication line or the Internet), such as an online auction or online shopping.
In particular, transactions between individuals, between individuals and small retail stores, etc. are increasing, and remittance of such trading value is mainly performed using bank transfers, credit cards, electronic money, and the like. .

[0003]

However, the above-mentioned conventional method of remittance of trading value has the following problems. In other words, the remittance side has to make a bank transfer every time it is necessary to remit the trading value, which is troublesome. Also,
With credit cards and electronic money, there was a problem that the introduction cost on the side receiving the remittance was high. On the other hand, the user's ID and password may be stolen, and illegal remittance not based on the transaction may be performed.

[0004] Accordingly, the present invention provides a simple method for remittance of trading value,
It is another object of the present invention to provide a remittance system, a storage medium, and a program that can be safely executed.

[0005]

Means for Solving the Problems To solve the above problems and achieve the object, a remittance system of the present invention is configured as follows.

[0006] (1) In a remittance system for transferring a transaction price from a transaction account of the buyer user to a transaction account of the seller user based on a transaction between the buyer user and the seller user, the buyer user and the seller user are specified. A user ID, a transaction account ID, a transaction database storage unit that stores a transaction database including transaction data based on the transaction, a remittance command acquisition unit that acquires a remittance command from at least one of the buyer user or the seller user, A matching unit that matches the remittance command with the transaction database; an extraction unit that extracts a transaction account ID from the transaction database when the remittance command is valid as a result of the matching by the matching unit; From the trading account of the buyer user based on the extracted trading account ID, the seller And characterized in that it comprises a transfer instruction means for instructing the transfer of the purchase price to over The trading account.

(2) The remittance system described in (1) above, wherein the remittance command is a remittance request notification including the user ID of the seller user and the trading value from the buyer user. .

(3) The remittance system according to (2), wherein the remittance command further includes a notification of a request for receipt of the trading value from the seller user.

(4) The remittance system described in (1) above, wherein the remittance command is a remittance request notification including the user ID of the buyer user and the transaction price from the seller user. .

(5) In the remittance system described in the above (4), the remittance command further includes a remittance notice of remittance of the trading value from the buyer user.

(6) In a remittance system for transferring a trading value from a transaction account of the buyer user to a transaction account of the seller user based on a transaction between the buyer user and the seller user, in the remittance system of the seller user from the buyer user. User I
D and remittance request data acquisition means for obtaining remittance request data including the transaction price, and a transaction database including user IDs of the buyer user and the seller user, transaction account IDs, transaction history data based on the remittance request data. Inquiry data transmitting means for transmitting inquiry data, remittance data acquiring means for acquiring remittance data including the transaction account IDs of the buyer user and the seller user from the transaction database, and transaction price, and Transfer instruction means for instructing the transfer of the trading value from the transaction account of the buyer user to the transaction account of the seller user.

(7) In a computer-readable storage medium storing a program for operating a computer, the program includes a user ID for identifying a buyer user and a seller user, a transaction account ID, and transaction data based on the transaction. Transaction database storage means for storing a transaction database, remittance command acquisition means for acquiring a remittance command from at least one of the buyer user or the seller user, collation means for collating the remittance command with the transaction database, As a result of the matching by the matching means, if the remittance command is valid, the extracting means for extracting the transaction account ID from the transaction database; and the transaction of the buyer user based on the transaction account ID extracted by the extracting means. Transfer of the above trading value from the account to the seller user's trading account Characterized in that it comprises a transfer instruction means for instructing a.

(8) In a program for operating a computer, transaction database storage means for storing a transaction database including transaction data based on a user ID for identifying a buyer user and a seller user, a transaction account ID, and a transaction; A remittance command acquiring means for acquiring a remittance command from at least one of the user and the seller user; a matching means for matching the remittance command with the transaction database; and a result of the matching by the matching means, the remittance command is valid. In such a case, extracting means for extracting a trading account ID from the trading database, and the trading value of the trading value from the trading account of the buyer user to the trading account of the seller user based on the trading account ID extracted by the extracting means. Transfer instruction means for instructing a transfer.

(9) In a remittance system for transferring a trading value from a first user's transaction account to a second user's transaction account, a user database including a user ID for specifying the first user and the second user and a transaction account ID A remittance command acquiring means for acquiring a remittance command from at least one of the first user or the second user; a collation means for collating the remittance command with the user database; Extracting means for extracting a transaction account ID from the user database when the remittance command is valid as a result of the collation by the collation means, and the transaction account ID extracted by the extraction means
Transfer instruction means for instructing the transfer of the trading value from the first user's transaction account to the second user's transaction account based on

[0015]

DESCRIPTION OF THE PREFERRED EMBODIMENTS FIG. 1 is a diagram showing an outline of a remittance system 10 according to a first embodiment of the present invention, FIG. 2 is an explanatory diagram showing a processing procedure of the remittance system 10, and FIG. It is a figure showing an outline. The remittance system 10 includes a communication line 20 such as the Internet or a telephone line, and the communication line 20.
User terminals 30, 31, connected to the bank server 40,
41 and a main server 50.

The user terminals 30, 31 are terminals such as a personal computer and a mobile phone used by the user. Further, the bank servers 40 and 41 are set to the bank in which the user's bank account is opened. Further, the main server 50 is set up by an intermediary that holds an auction.

The main server 50 includes a processing server 60 for performing remittance processing, a user database storage unit 70 for storing a user database D1, and a transaction database storage unit 80 for storing a transaction database D2 in which information such as remittance is recorded. And an auction server 90.

The processing server 60 has a function of processing data according to a predetermined program as described later. The user database D1 contains the user I
D, the user's name, address, telephone number, password, age, gender, e-mail address, history of the auction (history of exhibition / successful bidding), and the like are recorded, and are used when conducting transactions at the auction.

The transaction database D2 contains a user ID,
A security password, transaction record, contact record, account ID (transaction account ID), account balance management, and the like are recorded, and are used for remittance of trading value generated in the transaction.

The auction server 90 has a function of executing an auction between users. When a transaction is established by an auction held based on the user database D1, the contents are transmitted to the transaction database storage unit 80 described above. Then, the transaction database D2 is updated.

In the remittance system 10 configured as described above, the remittance of the trading value is performed as follows. In addition,
The user terminal 30 is used by the user A, the user terminal 31 is used by the user B, and the X that operates the bank server 40 is used.
It is assumed that an account K1 of the user A is opened in the bank, and an account K2 of the user B is opened in the bank Y which operates the bank server 41. It is also assumed that the user A and the user B have already registered in the user database D1 and the transaction database D2, and have set user IDs and passwords for use in auctions and remittances.

First, at the auction server 90, the user B (seller user) exhibits, and the user A (buyer user)
Is performed. The transaction database D2 is updated based on the result of the transaction.

The user A accesses the remittance request site provided by the processing server 60 through the user terminal 30 and authenticates that the user A is an access by himself / herself by inputting a user ID and a password. Process the request. Thereby, the individual I of the user A and the user B
D, remittance request data including the remittance amount is sent to the processing server 60.

The processing server 60 queries the transaction database storage unit 80 as to whether the remittance from the user A to the user B is valid based on the remittance request data.
This can prevent illegal remittances unrelated to auction transactions.

As a result of the inquiry, if it is determined that the remittance request is valid, based on the remittance request data, the processing data 60 determines whether the user B should receive the remittance of the trading value from the user A or not. Send an e-mail to inquire whether or not. If the remittance request is not valid, the fact is notified to the user A, and the process ends.

The user B uses the user terminal 31 to access a remittance receiving site provided by the processing server 60 based on the received electronic mail. Here, after authenticating that the access is from the user B himself by inputting a user ID, a password, or the like, the user B performs a reception permission process. Thereby, the reception permission data is sent to the processing server 60. In the case where the user B has performed the process of rejection, the rejection data is sent to the processing server 60,
The processing server 60 notifies the user A to that effect, and ends the processing.

Next, the processing server 60 accesses the transaction database D2 and obtains remittance data at the time of obtaining the receiving permission data. Remittance data includes user A
And each transaction account ID of the user B and the remittance amount.

The processing server 60 transmits the transfer request data to the bank server 40 of Bank X based on the remittance data. At Bank X, transfer from account K1 to account K2 is performed.

According to the remittance system 10, the remittance of the trading value can be performed simply and safely.

Next, a modified example of the remittance system 10 will be described. In the above-described example, the transaction accounts held by the user A and the user B are different accounts opened in different banks, but are not limited to this. That is, as shown in FIG. 4A, an account K3 of Bank X may be opened at Bank Y, and the trading value may be transferred from Account K3 to Account K2.

As shown in FIG. 4B, an account K4 of the intermediary company is opened at Bank X, an account K5 of the intermediary company is opened at Bank Y, the account K1 is transferred to the account K4, and the account K5 is changed to the account K2. You may make it transfer to.

Further, as shown in FIG. 5A, an account K1 and an account K2 are opened in the same bank in advance, and the account K1 is opened.
May be transferred to the account K2.

Further, as shown in FIG.
The transfer may be executed by updating the account balance management in the transaction database D2.

FIG. 6 is an explanatory diagram showing a processing procedure when the user B (seller) requests the user A (buyer) for remittance in the remittance system 10 described above. First, in the auction server 90, a transaction in which the user B (seller user) makes an exhibition and the user A (buyer user) makes a successful bid is performed. The transaction database D2 is updated based on the result of the transaction.

The user B accesses the remittance request site provided by the processing server 60 by using the user terminal 31 and authenticates that the access is from the user B himself by inputting a user ID and a password, and then remits the remittance. Handle the request. Thereby, the individual I of the user A and the user B
D, remittance request data including the remittance amount is sent to the processing server 60.

The processing server 60 queries the remittance transaction database storage unit 80 as to whether or not the remittance request from the user B to the user A is valid based on the remittance request data. This can prevent an illegal remittance request unrelated to auction transactions.

As a result of the inquiry, if it is determined that the remittance request is valid, the processing data 60 permits the user A to request the remittance of the trading value from the user B based on the remittance request data. Send an e-mail asking if it is. If the remittance request is not valid, the fact is notified to the user B, and the process ends.

User A accesses user terminal 30 to a remittance execution site provided by processing server 60 based on the received e-mail. Here, after authenticating that the access is from the user A himself by inputting a user ID, a password, and the like, the user A performs a remittance execution process. Thereby, the remittance execution data is sent to the processing server 60. In the case where the user A has performed the rejection processing, remittance rejection data is sent to the processing server 60, and the processing server 60 notifies the user B to that effect and ends the processing.

Next, when the processing server 60 acquires the remittance execution data, it accesses the transaction database D2 and acquires remittance data. Remittance data includes user A
And each transaction account ID of the user B and the remittance amount.

The processing server 60 transmits the transfer request data to the bank server 40 of Bank X based on the remittance data. At Bank X, transfer from account K1 to account K2 is performed.

Next, a remittance system 10A according to a second embodiment of the present invention will be described. In the remittance system 10 described above, the remittance is based on the transaction between the seller and the buyer. However, the remittance system 10A also supports remittance requests / remittance requests not based on the transaction. In addition,
The configuration is similar to that of FIG. 1, but the use of the transaction database D2 is not essential.

In the remittance system 10A, remittance is performed from the user A (first user) to the user B (second user) as follows. Note that the user terminal 30 is used by the user A, the user terminal 31 is used by the user B, and the X bank that operates the bank server 40 has the account K1 of the user A,
Account K of user B is provided to bank Y, which operates bank server 41.
2 has been established. It is also assumed that the user A and the user B have already registered in the user database D1 and the transaction database D2, and have set user IDs and passwords for use in auctions and remittances.

The user database D1 contains a user ID, a user's name, address, telephone number, password,
Age, gender, email address, account ID (trade account I
D) etc. are recorded.

The user A accesses the remittance request site provided by the processing server 60 using the user terminal 30 and authenticates that the access is from the user A himself by inputting a user ID and a password. Process the request. Thereby, the individual I of the user A and the user B
D, remittance request data including the remittance amount is sent to the processing server 60.

Next, the processing server 60 provides the user B with
An e-mail is sent inquiring whether to receive the remittance of the trading value from the user A. If the remittance request is not valid, the fact is notified to the user A, and the process ends.

The user B accesses the remittance receiving site provided by the processing server 60 based on the received e-mail using the user terminal 31. Here, after authenticating that the access is from the user B himself by inputting a user ID, a password, or the like, the user B performs a reception permission process. Thereby, the reception permission data is sent to the processing server 60. In the case where the user B has performed the process of rejection, the rejection data is sent to the processing server 60,
The processing server 60 notifies the user A to that effect, and ends the processing.

Next, the processing server 60 accesses the user database D1 and obtains remittance data at the time of obtaining the receiving permission data. The remittance data includes the transaction account IDs of the user A and the user B, and the remittance amount.

The processing server 60 transmits the transfer request data to the bank server 40 of Bank X based on the remittance data. At Bank X, transfer from account K1 to account K2 is performed.

According to the remittance system 10A, remittance of the trading value can be performed simply and safely.

The present invention is not limited to the above embodiment. That is, in the above-described embodiment, the transaction is used for remittance of the transaction price of the auction, but may be used for remittance of the price of online shopping. In this case, the online store opens the main server and owns the user terminal. Further, when making a remittance request or a remittance request, a remittance execution date or a remittance expiration date may be set. Furthermore, the broker performs both the auction and the remittance processing, but may be separate providers. In addition, it goes without saying that various modifications can be made without departing from the spirit of the present invention.

[0051]

According to the present invention, the remittance of the trading value can be performed simply and safely.

[Brief description of the drawings]

FIG. 1 is a diagram showing a configuration of a remittance system according to a first embodiment of the present invention.

FIG. 2 is an explanatory diagram showing a remittance procedure of the remittance system.

FIG. 3 is an explanatory diagram showing a remittance command of the remittance system.

FIG. 4 is an explanatory view showing a modification of the remittance command.

FIG. 5 is an explanatory view showing another modified example of the remittance command.

FIG. 6 is an explanatory diagram showing a procedure in a remittance system according to a second embodiment of the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 10 ... Remittance system 20 ... Communication line 30, 31 ... User terminal 40, 41 ... Bank server 50 ... Main server 60 ... Processing server 70 ... User database storage unit 80 ... Transaction database storage unit 90 ... Auction server

Claims (9)

[Claims] Claims: 1. A remittance system for transferring a transaction price from a transaction account of a buyer user to a transaction account of the seller user based on a transaction between a buyer user and a seller user, wherein the user who specifies the buyer user and the seller user is provided. ID,
Transaction database storage means for storing a transaction database including a transaction account ID and transaction data based on the transaction; remittance command acquisition means for acquiring a remittance command from at least one of the buyer user or the seller user; and the remittance command A matching means for matching the transaction database with the transaction database; and a matching means for extracting the transaction account ID from the transaction database when the remittance command is valid as a result of the matching by the matching means. A remittance system comprising: transfer instruction means for instructing the transfer of the trading value from the transaction account of the buyer user to the transaction account of the seller user based on the transaction account ID. 2. The remittance system according to claim 1, wherein the remittance command is a remittance request notification from the buyer user including a user ID of the seller user and a transaction price. 3. The remittance system according to claim 2, wherein the remittance command further includes a notice from the seller user requesting receipt of the trading value. 4. The remittance system according to claim 1, wherein the remittance command is a remittance request notification from the seller user including a user ID of the buyer user and a transaction price. 5. The remittance system according to claim 4, wherein the remittance command further includes a remittance permission notification of the trading value from the buyer user. 6. A remittance system for transferring a transaction price from a transaction account of the buyer user to a transaction account of the seller user based on a transaction between the buyer user and the seller user, wherein the user of the seller user from the buyer user A remittance request data acquisition unit for obtaining remittance request data including an ID and a trading price; and a transaction database including user IDs of the buyer user and the seller user, a transaction account ID, and transaction history data based on the remittance request data. Inquiry data transmitting means for transmitting inquiry data; Remittance data acquiring means for acquiring remittance data including the transaction account IDs of the buyer user and the seller user from the transaction database; Based on the trading value of the trading user from the trading account of the buyer user to the trading account of the seller user. A remittance system comprising: transfer instruction means for instructing a transfer. 7. A computer-readable storage medium storing a program for operating a computer, wherein the program includes a user ID for identifying a buyer user and a seller user, a transaction account ID, and a transaction including transaction data based on the transaction. Transaction database storage means for storing a database; remittance command acquisition means for acquiring a remittance command from at least one of the buyer user or the seller user; collation means for collating the remittance command with the transaction database; Extracting means for extracting a transaction account ID from the transaction database when the remittance command is valid as a result of the collation by the collation means; and a transaction account of the buyer user based on the transaction account ID extracted by the extraction means. Transfer of the above trading value from the above to the seller user's trading account Storage medium characterized by comprising a transfer instruction means for instructing. 8. A program for operating a computer, comprising: transaction database storage means for storing a transaction database including transaction data based on transaction ID based on a user ID for identifying a buyer user and a seller user; Or, a remittance command acquiring means for acquiring a remittance command from at least one of the seller users, a matching means for matching the remittance command with the transaction database, and a result of the matching by the matching means, the remittance command is valid. Extracting means for extracting a transaction account ID from the transaction database; and transferring the trading value from the buyer user's transaction account to the seller user's transaction account based on the transaction account ID extracted by the extraction means. Transfer instruction means for instructing . 9. A remittance system for transferring a trading value from a first user's transaction account to a second user's transaction account, wherein: a user ID for identifying the first user and the second user;
A user database storage unit that stores a user database including a transaction account ID; a remittance command obtaining unit that obtains a remittance command from at least one of the first user and the second user; a remittance command and the user database Matching means for checking the transaction account ID; and as a result of the matching by the matching means, when the remittance command is valid, extracting means for extracting a transaction account ID from the user database; Transfer instruction means for instructing the transfer of the trading value from the first user's transaction account to the second user's transaction account based on the first user's transaction account.