JP2003099620A - Settlement method and settlement device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system for preventing the occurrence of unsettleability even when a drawing-out amount exceeds the deposit balance in a settlement special bank. SOLUTION: This settlement method includes receiving a drawing-out request from an account of a customer to an account server controlled by a financial institution, determining whether or not the drawing-out amount exceeds the deposit balance of the customer by comparing the deposit balance of the customer with the drawing-out amount, requesting financing to a loaner from the account server in the name of the customer instead of the customer when the drawing-out amount exceeds the deposit balance of the customer, and drawing out an amount from the account of the customer when the account server confirms that an amount exceeding the drawing-out amount is received to the account of the customer from the loaner.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a settlement system for managing withdrawal from a deposit account using a computer, and more particularly to managing an automatic withdrawal from a deposit account in a settlement specialized bank that does not perform a lending business. Payment system.

[0002]

2. Description of the Related Art Ordinary deposits and checking accounts opened in financial institutions are used as settlement accounts for automatic transfer of utility bills, repayments of housing or business loans, installment payments and the like. The amount to be transferred is automatically deducted from the customer's account when the predetermined date is reached. If the amount to be withdrawn exceeds the balance of the deposit, the settlement becomes impossible and the fact is notified to the settler.

If payment due to a specified date becomes impossible to settle,
In addition to various inconveniences such as the occurrence of delay damages and default, there is a possibility that a credit registration agency may be notified and sensitive information may be registered (so-called black information).

[0004] A financial institution may enter an overdraft contract, a card loan contract, or the like when a customer opens a deposit account, and automatically lends when the deposit balance is insufficient. Therefore, when using a financial institution that provides such an automatic lending service, there is no possibility of inability to settle due to insufficient deposit balance.

[0005]

However, a so-called settlement bank whose main business is Internet settlement has not been approved for a lending business and therefore cannot provide an automatic lending service when the deposit balance is insufficient. When automatic transfer is performed by using such a financial institution specialized in payment, there is a possibility that the inability to settle due to insufficient deposit balance and various inconveniences as described above.

An object of the present invention is to solve the above-mentioned inconveniences and prevent the inability to withdraw money when the deposit balance is insufficient, even for a financial institution specialized in settlement whose lending operations are restricted.
It is an object of the present invention to provide a payment system that eliminates customer inconvenience.

[0007]

According to the present invention, a settlement method is such that an account server managed by a financial institution receives a request for withdrawal from a customer's account, and the customer's deposit balance and withdrawal amount. By comparing and determining whether or not the withdrawal amount exceeds the customer's deposit balance, and when the withdrawal amount exceeds the customer's deposit balance, the financial institution makes a loan on behalf of the customer and in the name of the customer. Requesting a loan from a lender, and debiting the customer's account when the account server confirms that the lender has deposited more money than the withdrawal amount into the customer's account. And, including.

According to the present invention, the settlement apparatus includes an account server that manages a customer's account established in a financial institution, and a credit server that is connected to the account server via communication means and is managed by a money lender. If the account server determines that the customer's account cannot be debited, it sends a message to that effect to the credit server,
Instead of withdrawing from the customer's account, credit settlement is performed via the money lender.

Further, in the settlement apparatus, the above-mentioned account server is connected online with a storage unit for storing the customer's account number and the credit card number of the customer associated with the account number, and online with the credit server of the money lender. A credit settlement unit that manages the terminal, a collation unit that collates the deposit balance with the withdrawal amount when a customer's account is debited, and the credit settlement when the collation unit determines that the deposit balance is insufficient. A control unit for controlling the department and requesting a loan from the money lender.

Therefore, it is possible to prevent the customer from being unable to withdraw money from the account due to a shortage of the deposit balance. In particular,
It is possible to avoid various disadvantages such as payment due to due date becoming unsettled.

[0011]

BEST MODE FOR CARRYING OUT THE INVENTION An example of a settlement system of the present invention will be described with reference to FIG. The payment system of this example has an account server 12 provided in the financial institution 10 and a credit server 32 provided in the money lender 30, both of which are connected by communication means. The communication means includes a communication network line such as the Internet, a telephone line, a dedicated line, etc., but preferably a dedicated line for online use is used. The financial institution 10 may be a bank, a credit union, a post office, a cooperative association, or any other banking business. However, in the present invention, a settlement specialized bank that does not perform a lending business is particularly suitable. The money lender 30 may have any qualification or license for lending or lending business, and includes various financial companies such as credit card issuing companies, consumer loans, and commercial and industrial loans.

The account server 12 manages deposit, withdrawal, automatic transfer, automatic withdrawal, etc. of the customer's 20 account 14. Similarly, the credit server 32 also manages the loan balance of the customer 20, payment conditions for payment and repayment, and the like.

As shown in FIG. 2, the account server 12 has a storage unit 121 for storing the customer's account number and the card number of the money lender associated with it, and a request for withdrawal from the customer's account. At times, a collation unit 122 for collating the deposit balance with the withdrawal amount, and a credit settlement unit 123 for requesting a loan or cash to a lender when the deposit balance is determined to be insufficient as a result of collation by the collating unit. It has a transmission unit 124 that transmits a loan request and a control unit 125 that controls these. The transmission unit 124
For example, CAFIS (Credit and Finance Informatio
n Switching System) has a function of an online terminal for online communication with a lender.

A first example of the settlement method of the present invention will be described with reference to FIG. First, in step S101, the account server 12 receives a request for withdrawal from the customer's account 14. As an example when debit from the account is made,
As described above, there are automatic payments such as utility bills, repayment of housing or business loans, and monthly installments of automobiles. Here, withdrawal includes withdrawal of cash using an automatic teller machine (ATM).

Next, in step S102, the customer's deposit balance is compared with the withdrawal amount. This is done in the matching unit as described above. If the withdrawal amount does not exceed the customer's deposit balance, it is determined that settlement is possible, and step S
Proceed to 106 to debit the customer's account.

If the withdrawal amount exceeds the deposit balance of the customer, it is determined that the settlement is impossible, and the process proceeds to step S103. In step S103, a loan is requested to the money lender 30 on behalf of the customer and in the name of the customer. That is, from the account server 12 to the credit server 32 of the money lender 30,
A loan request is sent.

In step S104, the money lender provides a loan or cash. That is, money is remitted from the money lender 30 to the customer's account 14. The terms of financing or cashing are predetermined by the contract between the lender and the customer. For example, in the case of a credit card issuing company,
There are installments, revolving, etc. In the case of consumer finance, commercial and industrial loans, etc., loans are made at a prescribed interest rate. The customer bears a liability to the lender. In the present embodiment, the money lender 30 sends money to the customer's account 14. However, the money lender 30 opens an account (not shown) in the account server 12 provided in the financial institution 10 to make a transfer. By making a transfer request from the non-accounting account to the customer's account 14, the settlement time can be shortened.

In step S105, when the credit settlement unit of the account server 12 confirms that the customer's account has been credited, it generates a settlement possible signal. Step S1
At 06, the customer's account is debited. Figure 4
A second example of the settlement method of the present invention will be described with reference to FIG. In this example, instead of using direct lending by a money lender, financing through securities, prepaid cards, card-type electronic money, or the like is used. When the account server 12 determines that the customer's deposit balance exceeds the withdrawal amount, the securities issuer 40 is informed of a cash voucher, a gift certificate, a coupon ticket, etc. by the credit settlement on behalf of the customer and in the name of the customer. Apply for the purchase of securities. Instead of securities, prepaid cards (prepayment-type value indicators), card-type electronic money, or other items equivalent to cash vouchers may be purchased.

The financial institution purchases these securities and pays the consideration to the customer's account. When the account server confirms that the customer's account has been credited, it generates a signal indicating that payment is possible, and the account is debited. Financial institutions can freely convert securities into cash at any time.
The customer has a debt to the securities issuer, prepaid card issuer, card-type electronic money issuer or other money lender that settled the credit.

A third example of the present invention will be described with reference to FIG. In this example, a loan from a money lender is used via a virtual value issued by a financial institution. If the account server determines that the customer's deposit balance exceeds the withdrawal amount, the financial institution issues a virtual value and sells it to the customer by credit settlement. When the financial institution does not perform the lending business or the money lending business as described above, the credit settlement is performed by the third party money lender 50. The virtual value is a so-called electronic money virtual value, and is information representing the value of a predetermined amount of money. Therefore, it can be issued even by a settlement specialized financial institution where the lending business is limited. The financial institution settles the virtual value in the name of the customer and deposits the consideration in the customer's account. When the account server 12 confirms that the customer's account 14 has been deposited, the account server 12 generates a signal indicating that settlement is possible, and the account is debited. The customer has a liability to the lender on behalf of the credit settlement.

A fourth example of the settlement method of the present invention will be described with reference to FIG. In the third example of FIG. 5, a financial institution issued a virtual value and settled it, but in this example, both the issuer and the recipient of the virtual value are third-party institutions. This example is particularly useful when the financial institution does not issue electronic money or virtual value (value).

When the account server 12 determines that the customer's deposit balance exceeds the withdrawal amount, the financial institution issues a virtual value (value) by credit settlement on behalf of the customer and in the customer's name. The virtual value issued by the original 60 is purchased, and the virtual value is sold to the third party who is the receiving party 70. The third party settles the virtual value and transfers the consideration to the customer's account. When the account server confirms that the third party has sent money to the customer's account, the account server determines that payment is possible, and debits the account. The customer has a liability to the virtual value issuer 60 or other lender that made the credit settlement.

A fifth example of the present invention will be described with reference to FIG. In this example, withdrawal from another financial institution is used. This example assumes that the customer has accounts with multiple financial institutions and that at least one of the financial institutions has a sufficient deposit balance. Account server 12
However, if it is determined that the customer's deposit balance exceeds the withdrawal amount, the customer requests the remittance to another financial institution 80 in which the customer has an account. When the account server 12 confirms that the customer's account 14 has been remitted from another financial institution 80,
Judge that payment is possible and withdraw money from the account.

Referring to FIG. 8, the fifth settlement method according to the present invention.
An example of an account server for executing the example of FIG. The account server 13 of this example stores a customer account number and a storage unit 131 that stores the account number of another financial institution associated with the account number.
And a collation unit 13 that collates the deposit balance with the withdrawal amount when there is a request for withdrawal to the customer's account.
2, a request data unit 133 that generates request data for requesting a remittance from another financial institution when the result of the verification by the verification unit is insufficient, and a transmission unit 134 that transmits the request data. It has a control unit 135 for controlling these. The transmitter 134 has the function of an online terminal for online communication with other financial institutions.

The example of the settlement system of this example has been described above, but the present invention is not limited to the above example unless it exceeds the scope of the present invention described in the claims. Will be understood by those skilled in the art.

[0026]

According to the present invention, in a financial institution that does not perform a lending business, even if the amount of money deducted from an account exceeds the deposit balance, it becomes possible to avoid the inability to make a settlement.

According to the present invention, a settlement specialized financial institution, such as an Internet financial institution, which has limited lending operations and only performs settlement even if the amount deducted from the account exceeds the deposit balance. There is an effect that is avoided.

[Brief description of drawings]

FIG. 1 is an explanatory diagram for explaining a first example of a settlement method according to the present invention.

FIG. 2 is an explanatory diagram for explaining an example of the configuration of an account server of the payment system according to the present invention.

FIG. 3 is a flowchart for explaining the procedure of the first example of the settlement method according to the present invention.

FIG. 4 is an explanatory diagram for explaining a second example of the settlement method according to the present invention.

FIG. 5 is an explanatory diagram for explaining a third example of the settlement method according to the present invention.

FIG. 6 is an explanatory diagram for explaining a fourth example of the settlement method according to the present invention.

FIG. 7 is an explanatory diagram for explaining a fifth example of the settlement method according to the present invention.

FIG. 8 is an explanatory diagram for explaining another example of the configuration of the account server of the payment system according to the present invention.

[Explanation of symbols]

10 ... Financial institution, 12 ... Account server, 14 ... Customer account, 20 ... Customer, 30 ... Money lender, 32 ... Credit server, 40 ... Securities issuer, 50 ... Money lender, 60 ... Electronic money issuer, 70 ... Electronic money underwriter, 80 ... Financial institution

   ─────────────────────────────────────────────────── ─── Continued front page    (72) Inventor Kunio Arakawa             3-5-18 Kitazawa, Setagaya-ku, Tokyo Stocks             Company Takayamauchi (72) Inventor Hisanori Kiyomatsu             3-5-18 Kitazawa, Setagaya-ku, Tokyo Stocks             Company Takayamauchi

Claims (9)

[Claims] 1. An account server managed by a financial institution receives a request for withdrawal from a customer's account and compares the customer's deposit balance with the withdrawal amount, and the withdrawal amount exceeds the customer's deposit balance. When the withdrawal amount exceeds the deposit balance of the customer, the financial institution requests the lender on the behalf of the customer and in the name of the customer, and A payment method comprising: when the account server confirms that the customer's account has been deposited with an amount exceeding the withdrawal amount, the account is debited. 2. An account server managed by a financial institution receives a request for withdrawal from a customer's account and compares the customer's deposit balance with the withdrawal amount, and the withdrawal amount exceeds the customer's deposit balance. If the withdrawal amount exceeds the deposit balance of the customer, the financial institution makes a cash voucher from the securities issuer on behalf of the customer and by credit settlement in the name of the customer.
Purchasing securities including gift certificates or coupons, purchasing the securities by the financial institution, depositing the money in the customer's account, and exceeding the withdrawal amount in the customer's account. And a debit from the customer's account is made when the account server confirms that the deposit has been made. 3. An account server managed by a financial institution receives a request for withdrawal from a customer's account and compares the customer's deposit balance with the withdrawal amount, and the withdrawal amount exceeds the customer's deposit balance. If the withdrawal amount exceeds the customer's deposit balance, the financial institution makes a credit card payment on behalf of the customer and in the name of the customer from the prepaid card issuer to the prepaid card (prepayment type value). Sign) or purchasing card type electronic money from a card type electronic money issuer, the financial institution purchases the prepaid card (prepayment type value indicator) or card type electronic money, and pays the price of the customer Check the above account balance to make a deposit to the account and that the customer's account has been deposited in an amount exceeding the withdrawal amount. The payment method including debiting the customer's account upon confirmation by the customer. 4. An account server managed by a financial institution receives a request for withdrawal from a customer's account and compares the customer's deposit balance with the withdrawal amount, and the withdrawal amount exceeds the customer's deposit balance. Whether the withdrawal amount exceeds the deposit balance of the customer, the financial institution issues a virtual value (value), and the financial institution credits the virtual value to the customer. When the account server confirms that the sale is made and the consideration is deposited in the customer's account, and that the customer's account has been deposited in an amount exceeding the withdrawal amount, the account is debited from the customer's account. What is done,
Payment methods including. 5. An account server managed by a financial institution receives a request for withdrawal from a customer's account and compares the customer's deposit balance with the withdrawal amount, and the withdrawal amount exceeds the customer's deposit balance. If the withdrawal amount exceeds the deposit balance of the customer, the financial institution issues the virtual value issuer on behalf of the customer and by credit settlement in the name of the customer. Purchasing the virtual value, the financial institution sells the virtual value to a third party, deposits the consideration into the customer's account, and pays the customer's account an amount exceeding the withdrawal amount. A payment method comprising: when the account server confirms that the deposit has been made, the customer's account is debited. 6. An account server managed by a financial institution receives a request for withdrawal from a customer's account and compares the customer's deposit balance with the withdrawal amount, and the withdrawal amount exceeds the customer's deposit balance. If the withdrawal amount exceeds the deposit balance of the customer, the financial institution requests another financial institution to transfer money, and the other financial institution determines that A payment method comprising: when the account server confirms that the amount of money that exceeds the withdrawal amount has been deposited, the account is debited. 7. An account server which manages a customer's account opened at a financial institution, and a credit server which is connected to the account server via communication means and managed by a money lender, the account server comprising: When it is determined that the withdrawal by the customer's account is impossible, the fact is transmitted to the credit server, and instead of the withdrawal from the customer's account, credit settlement is performed through the money lender. Payment device. 8. The settlement apparatus according to claim 7, wherein the account server stores a customer's account number and a customer's credit card number associated with the account number,
By the credit settlement unit that manages an online terminal connected online with the credit server of the money lender, a collation unit that collates the deposit balance with the debit amount when a customer's account is debited, and the above collation unit And a control unit for controlling the credit settlement unit to request a loan from the money lender when it is determined that the deposit balance is insufficient. 9. The settlement apparatus according to claim 7, wherein the account server stores the customer's account number and an account opened by the customer in another financial institution in the same name in association with each other, A collation unit for collating the deposit balance with the withdrawal amount when there is a request for withdrawal to the customer's account, and the customer's account for the other financial institution when the collation unit determines that the deposit balance is insufficient. A transfer request data generation unit for generating request data for requesting transfer of an amount corresponding to the withdrawal amount, and a transmission unit for transmitting the transfer request data to the account server of the other financial institution. A payment device having.