JP2004362498A - Electronic bank server, electronic banking system, electronic financial service method and program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an electronic banking system allowing a common server to freely have an interface with a terminal demanding an offer of a financial service. <P>SOLUTION: A user terminal 30 such as a portable communication device or a PC demanding the offer of the financial service; an enterprise A server 20A and an enterprise B server 20B which are common servers providing the interface for providing the user terminal 30 with the financial service; an electronic bank server 10 receiving the offer demand inputted from the user terminal 30 from the enterprise A server 20A and the enterprise B server 20B which are common servers and performing the financial service according to the offer demand; and a network 50 communicatably connecting a provider 40 of the user terminal 30, the electronic bank server 10, the user terminal 30 and the enterprise A server 20A and the enterprise B server 20B which are common servers, are provided. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to an electronic bank server, an electronic bank system, an electronic financial service method, and a program for performing financial service processing such as settlement and financing on a computer network such as the Internet. In particular, the present invention relates to an electronic bank server, an electronic bank system, an electronic financial service method, and a program that allow a general server to freely have an interface with a terminal that makes a request to provide a financial service.
[0002]
[Prior art]
2. Description of the Related Art Conventionally, a computer network (hereinafter, simply referred to as a “network”) that connects a plurality of computers by a communication line and stores and exchanges data and programs between the plurality of computers and shares data and the like has been constructed. ing.
[0003]
As a method of such a network, there is an open network method in which a computer can be freely connected in principle if it conforms to a predetermined communication protocol and the like, and a computer such as a computer to be connected and managed by a host computer or the like. 2. Description of the Related Art There is a closed network system in which terminal devices are provided with certain restrictions such as security so that unmanaged computer nodes are not connected to a network.
[0004]
The Internet is a typical example of the open network system described above. In the Internet, TCP (Transfer Control Protocol) / IP (Internet Protocol) is adopted as a communication protocol. In principle, any computer that complies with this communication protocol can be connected to a network.
[0005]
2. Description of the Related Art In recent years, multimedia environments such as the World Wide Web (WWW) have been prepared in the background of a free network environment such as the Internet. In particular, recently, many Internet businesses (e-businesses) that provide specific services using the Internet have been proposed and operated.
[0006]
In the Internet business (e-business), various services exist on a network, and processing of financial services for these services can be performed on the network.
[0007]
For example, Japanese Patent Laid-Open Publication No. Hei 9-326002 describes a settlement system connected to a computer network. This payment system builds a virtual shopping street on a computer network, enables a user to purchase desired products online from a store constituting the shopping street, and performs settlement of the purchased price. A virtual bank on the network for a real bank that clears the price of purchased products, and the virtual bank is a virtual account for each user and a store for each retailer. When a user purchases a product, the virtual bank transfers virtual funds between the user's virtual account and the virtual course at the store, and automatically transfers money for payment. Is given to the real bank, and based on this instruction, the real bank is constructed to settle the price.
[0008]
According to this settlement system, a virtual bank corresponding to a real bank is constructed on a computer network, a temporary account transfer is performed between the user and the virtual store, the result is notified to the real bank, and the actual bank is notified. By performing the transfer process, the settlement process on the network can be reflected in the actual settlement information of the actual bank.
[0009]
[Problems to be solved by the invention]
However, according to the above-described payment system, when a user pays for a product purchased on a network, it is necessary to use a payment processing screen prepared by a virtual bank, so that a single payment is performed. The processing screen will be used.
[0010]
Therefore, it has not been possible to provide a distinctive payment processing screen for each general server that actually provides products on the network.
[0011]
In addition, it is difficult to provide a payment processing screen having a characteristic for each general server on the electronic bank server due to the trouble of management and limitation of hardware resources.
[0012]
Accordingly, an object of the present invention is to provide an electronic bank server, an electronic bank system, an electronic financial service method, and a program that allow a general server to freely have an interface with a terminal that makes a request for providing a financial service. is there.
[0013]
[Means for Solving the Problems]
In order to solve the above problems, an electronic bank server of the present invention is an electronic bank server that performs settlement, transfer, and loan processing on a network, and includes an account storage unit that stores account information for each customer, and a predetermined group unit. User information storage means for managing the information in, and based on the financial information from a predetermined group unit stored in the user information storage means, to specify the account information stored in the account storage means, And bank function processing means for performing financial service processing based on the information.
[0014]
Here, the bank function processing means includes security processing means for specifying account information stored in the account storage means based on financial information from a predetermined group unit stored in the user information storage means. ,be able to.
[0015]
In addition, the bank function processing means may include a payment processing means for performing a payment process based on the specified account information.
[0016]
In addition, the bank function processing means may include a loan processing means for performing a loan process based on the specified account information.
[0017]
Further, the bank function processing means may include an account processing means for opening or closing an account and changing account information stored in the account storage means.
[0018]
Further, in order to solve the above problems, an electronic banking system of the present invention includes a terminal for making a request for providing a financial service, a general server for providing an interface for providing a financial service to the terminal, and a terminal input from the terminal. In an electronic banking system including an electronic bank server that receives a provision request from a server and performs a financial service in response to the provision request, and a network that communicably connects the terminal, the general server, and the electronic bank server, the electronic bank server includes: , The electronic bank server described above.
[0019]
Here, the electronic bank server can manage account information by grouping each general server.
[0020]
Further, the terminal may be a portable communication device or a PC (Personal Computer).
[0021]
Also, the network can be the Internet or an intranet, or it can be a dedicated line or an IP VAN.
[0022]
Also, the interface can be provided in a web image or a text image.
[0023]
According to another aspect of the present invention, there is provided an electronic financial service method for performing a financial service process on a network, wherein (A) an interface for providing a financial service in a general server is provided. (B) receiving the financial service provision request input from the terminal via the interface, (C) transmitting the provision request received by the interface to an electronic bank server that processes the financial service, and (D) electronic bank The server performs a financial service process in accordance with the provision request, (E) transmits a result of the financial service process from the electronic bank server to the general server, and (F) transmits the financial service to the terminal via the general server interface. The service processing result is notified.
[0024]
Here, the terminal can be a portable communication device or a PC.
[0025]
Also, the interface can be provided in a web image or a text image.
[0026]
Further, in order to solve the above problem, a program according to a first aspect of the present invention is a program for performing a financial service on a network, and causes a computer to realize the function of the above-described electronic bank server. Features.
[0027]
Further, in order to solve the above problem, a program according to a second aspect of the present invention is a program for performing a financial service on a network, and realizes a function of the above-described electronic banking system by a computer. Features.
[0028]
Further, in order to solve the above problem, a program according to a third aspect of the present invention is a program for performing a financial service on a network, and causes a computer to execute the processing of the electronic financial service method described above. It is characterized by.
[0029]
Each general server can create and prepare a screen for providing a financial service.
[0030]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, embodiments of an electronic bank server, an electronic bank system, an electronic financial service method, and a program according to the present invention will be described with reference to the drawings.
[0031]
FIG. 1 is a diagram showing one embodiment of the electronic banking system of the present invention. The electronic banking system includes a user terminal 30 such as a portable communication device or a personal computer (PC) that makes a request for providing a financial service, and a general server that provides an interface for providing the user terminal 30 with a financial service. The company A server 20A and the company B server 20B, and the electronic bank server 10 that receives a provision request input from the user terminal 30 from the company A server 20A and the company B server 20B of the general server and performs a financial service according to the provision request And a network 50 for communicably connecting the provider 40 of the user terminal 30, the electronic bank server 10, the user terminal 30, and the company A server 20A and the company B server 20B as general servers.
[0032]
Here, the electronic bank server manages account information by grouping each of the company A server 20A and the company B server 20B as general servers.
[0033]
Also, network 50 can be the Internet or an intranet, or it can be a dedicated line or an IP VAN.
[0034]
The interface provided to the user terminal 30 from the company A server 20A and the company B server 20B of the general server is provided as a Web image including a moving image and a still image, a text image including characters, and the like.
[0035]
FIG. 2 is a diagram showing an example of the configuration of the electronic bank server 10 shown in FIG. 2, the electronic bank server 10 includes a communication control unit 11 that communicates with a network 50, an account DB (Data Base) 18 that stores account information for each customer, and a predetermined group unit (for example, a company A server 20A). User information DB 17 for managing information on a general server basis such as a company B server 20B), and stored in an account DB 18 based on financial information from a predetermined group unit stored in the user information DB 17. A bank function processing unit 12 for specifying account information and performing financial service processing based on the account information.
[0036]
Here, the bank function processing unit 12 includes a security processing unit 13 for specifying account information stored in the account DB 18 based on financial information from a predetermined group unit stored in the user information DB 17; A payment processing unit 14 for performing a payment process based on the specified account information, a loan processing unit 15 for performing a loan process based on the specified account information, opening and closing of an account, and stored in an account DB 18 And an account processing unit 16 for changing account information.
[0037]
FIG. 3 is a diagram illustrating an example of a configuration of a company A server 20A that is a general server. In FIG. 3, a company A server 20A includes a communication control unit 21 that communicates with a network 50, a service WebDB 25 that stores Web pages and contents of services provided by the company A server 20A, and an interface for providing a financial service. And a service application unit 23 for providing contents stored in the service WebDB 25 and an interface for providing financial services stored in the bank screen WebDB26. And a Web control processing unit 22 having a bank function providing unit 24.
[0038]
Here, a Web screen or a text screen serving as an interface for providing a financial service can be freely created and prepared in each server. At this time, data (information) input through the interface from the user terminal 30 is transmitted to the electronic bank server 10 after being converted into a data structure that can be processed by the electronic bank server 10 defined in advance in specifications and the like. You.
[0039]
As described above, if the data transmitted from the company A server 20A and the company B server 20B, which are general servers, has a data structure in accordance with the rules of the specification, the data can be processed by the electronic bank server 10, and the user terminal It does not depend on the format of the data input from the 30 side.
[0040]
Therefore, as shown in FIGS. 4 and 5, each server 20A, 20B can freely prepare a financial processing screen suitable for the purpose.
[0041]
FIG. 6 is a flowchart illustrating an electronic financial service method using the electronic banking system of the present invention. 1 to 6, first, an interface for providing a financial service is prepared in the general servers 20A and 20B (step 601).
[0042]
Next, the general servers 20A and 20B receive the financial service provision request input from the user terminal 30 via the interface (step 602).
[0043]
Then, the general servers 20A and 20B transmit the financial service provision request received through the interface to the electronic bank server 10 that processes the financial service (step 603).
[0044]
The electronic bank server 10 performs financial service processing in accordance with the provision request from the user terminal 30, for example, opening an account, performing settlement processing, executing a loan, and the like (step 604).
[0045]
Then, the result of the financial service processing is transmitted from the electronic bank server 10 to the general servers 20A and 20B (step 605).
[0046]
The general servers 20A and 20B notify the user terminal 30 of the result of the financial service processing via the interface (step 606).
[0047]
Although the electronic bank server, the electronic bank system, and the electronic financial service method of the present invention have been described above, the electronic bank server, the electronic bank system, and the settlement method described above may be a program that can be realized and executed by a computer or the like.
[0048]
【The invention's effect】
As described above, according to the electronic bank server, the electronic bank system, the electronic financial service method, and the program of the present invention, a general server can freely have an interface with a terminal that makes a request for providing a financial service. Became.
[Brief description of the drawings]
FIG. 1 is a diagram showing an example of an electronic banking system of the present invention.
FIG. 2 is a diagram showing an example of an electronic bank server of the present invention.
FIG. 3 is a diagram illustrating an example of a general server (company A server).
FIG. 4 is a diagram showing an example of an interface screen provided by a general server (company A server).
FIG. 5 is a diagram illustrating an example of an interface screen provided by a general server (company A server).
FIG. 6 is a flowchart illustrating an example of an electronic financial service method according to the present invention.
[Explanation of symbols]
Reference Signs List 10 Electronic bank server 11, 21 Communication control unit 12 Bank function processing unit 13 Security processing unit 14 Payment processing unit 15 Loan processing unit 16 Account processing unit 17 User information DB
18 Account DB
20A Company A server 20B Company B server 22 Web control processing unit 23 Service application unit 24 Bank function providing unit 25 Service WebDB
26 Bank Screen WebDB
30 user terminal 40 provider 50 network

Claims (22)

An electronic bank server that performs settlement, transfer, and loan processing on a network,
Account storage means for storing account information for each customer;
A user information storage unit for managing information in a predetermined group unit;
Specifying the account information stored in the account storage unit based on the financial information from the predetermined group unit stored in the user information storage unit, and performing a financial service process based on the account information Bank function processing means;
Comprising,
An electronic bank server, characterized in that: The bank function processing unit is a security processing unit for specifying the account information stored in the account storage unit based on financial information from the predetermined group unit stored in the user information storage unit. Comprising,
2. The electronic bank server according to claim 1, wherein: 3. The electronic bank server according to claim 1, wherein the bank function processing unit includes a payment processing unit for performing a payment process based on the specified account information. The electronic bank server according to any one of claims 1 to 3, wherein the bank function processing unit includes a loan processing unit for performing a loan process based on the specified account information. 5. The electronic device according to claim 1, wherein the bank function processing unit includes an account processing unit that opens and closes an account and changes the account information stored in the account storage unit. 6. Bank server. A terminal for requesting the provision of financial services;
A general server that provides an interface for providing financial services to the terminal,
An electronic bank server that receives the provision request input from the terminal from the server and performs financial services in accordance with the provision request;
A network that communicably connects the terminal, the general server, and the electronic bank server;
In an electronic banking system with
The electronic bank server is the electronic bank server according to any one of claims 1 to 5,
An electronic banking system. 7. The electronic bank system according to claim 6, wherein the electronic bank server manages account information by grouping the general servers. The electronic terminal system according to claim 6, wherein the terminal is a portable communication device. 9. The electronic banking system according to claim 6, wherein the terminal is a PC (Personal Computer). 10. The electronic bank system according to claim 6, wherein the network is the Internet or an intranet. 10. The electronic banking system according to claim 6, wherein the network is a dedicated line. 10. The electronic banking system according to claim 6, wherein the network is an IP VAN. 13. The electronic banking system according to claim 6, wherein the interface is provided as a Web image. 13. The electronic banking system according to claim 6, wherein the interface is provided as a text image. An electronic financial service method for performing financial service processing over a network,
(A) Prepare an interface for providing financial services on a general server,
(B) receiving the financial service provision request input from the terminal via the interface,
(C) transmitting the provision request received by the interface to an electronic bank server that processes financial services;
(D) The electronic bank server processes a financial service according to the provision request,
(E) transmitting a result of the processing of the financial service from the electronic bank server to the general server;
(F) notifying the terminal of the result of the financial service processing via the interface of the general server;
An electronic financial service method, comprising: The electronic financial service method according to claim 15, wherein the terminal is a portable communication device. The electronic financial service method according to claim 15, wherein the terminal is a PC. 18. The electronic financial service method according to claim 15, wherein the interface is provided as a Web image. 18. The electronic financial service method according to claim 15, wherein the interface is provided as a text image. A program for providing financial services over a network,
A program for causing a computer to realize the function of the electronic bank server according to any one of claims 1 to 5. A program for providing financial services over a network,
A program for causing a computer to implement the functions of the electronic banking system according to any one of claims 6 to 14. A program for providing financial services over a network,
A program for causing a computer to execute the processing of the electronic financial service method according to claim 15.

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