JP2005071138A - Fund transfer management system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a fund transfer management system usable for temporary transactions, facilitating procedures and protecting individual information. <P>SOLUTION: When a customer A orders payment as funds are transferred from the customer A to a customer B, a transaction ID is issued to the customer A while a password is issued to the customer B by an electronic mail distributing part 32. The customer B uses the transaction ID and the password on an internet banking system 2, thereby ordering payment and transferring the funds transferred to a fund-retention deposit account database 23. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to a fund transfer management system, and more particularly to a fund transfer management system used when transferring funds between individuals using an Internet banking system.

  Conventionally, there is a method of using a money escrow service as means for settlement of funds between individuals in an online auction or the like.

  In this method of using the money escrow service, an escrow account is opened in advance in a financial institution, and under what conditions the funds transferred to the escrow account are released to a specific third party with the financial institution each time. It is necessary to decide release conditions. In addition, it is necessary to notify the financial institution in advance of identification information such as the name and address of a specific third party releasing the funds, and information on the remittance destination of the released funds (see Patent Document 1).

JP 2002-56336 A (paragraphs [0028], [0054])

  However, in the method using the above-mentioned money escrow service, the financial institution is notified in advance of the release conditions, the identification information such as the name and address of the specific third party releasing the funds, and the information regarding the recipient of the released funds. It is necessary to keep track of the procedures, and the procedure is complicated, so it is not suitable for temporary business relationships.

  In addition, in the so-called transfer method, personal information about the payee must be disclosed to the transfer person, which is not desirable from the viewpoint of personal information protection.

  The present invention has been made in view of the above circumstances, and an object of the present invention is to provide a fund transfer management system that is simple in procedure, can protect personal information, and can be used in temporary transactions. .

  Therefore, in order to achieve the above object, a first aspect of the present invention is based on means for receiving payment information including payment source account information and payment amount from a payer's information device, based on the payment information, A means for transferring the payment amount from the account of the payment source to a cash reserve account, a means for notifying the payer of transaction identification information when the payment information is received, and a recipient information device A means for detecting that the transmitted transaction identification information matches the transaction identification information notified to the payer, and a method of moving the payment amount when it is detected that the transaction identification information matches. What is claimed is: 1. A fund transfer management system comprising: means for receiving transfer information; and means for transferring the payment amount from the fund reserve account in a manner according to the transfer information.

  According to a second aspect of the present invention, payment information including a payment source account information and a payment amount is received from a payer information device, and the payment amount is funded from the payment source account based on the payment information. When the payment information is received, the transaction identification information is notified to the payer, and the transaction identification information transmitted from the payee's information device is sent to the payer. When it is detected that it matches the transaction identification information notified to the transaction, the transfer information indicating the transfer method of the payment amount is received, and the transfer information is received from the funds reserve account. A money transfer management method in a money transfer management system, wherein the payment amount is transferred by a method according to the above.

  It is possible to provide a funds transfer management system that is simple in procedure, protects personal information protection, and can be used in temporary transactions.

  Hereinafter, an internet banking system (fund transfer management system) according to an embodiment of the present invention will be described with reference to the drawings.

  FIG. 1 is a diagram showing a configuration of a fund transfer management system according to an embodiment of the present invention. As shown in the figure, an Internet banking system 2, a customer A computer 3, and a customer B computer 4 are connected to the Internet 1.

  The internet banking system 2 includes a CPU 11, a display 12, a communication interface 13, a memory 14, and a database 15, which are connected to the bus 10.

  The CPU 11 is responsible for overall control of the Internet banking system, and performs fund transfer management according to the embodiment of the present invention in accordance with the fund transfer management program 21 stored in the database 15.

  The display 12 is a display device in the Internet banking system 2.

  The communication interface 13 is for communicating with other devices via the Internet 1.

  The memory 14 is used as a work area for the CPU 11 and a development area for the fund transfer management program 21.

  The database 15 is a storage device, and includes a fund transfer management program 21, a customer deposit account database 22, a fund reserve account database 23, and a status database 24.

  The fund transfer management program 21 is software for realizing fund transfer management according to the embodiment of the present invention.

  The customer deposit account database 22 stores information such as account information and deposit amount of customers of the Internet banking system.

  The funds reserve deposit account database 23 is a database for retaining funds from the customer deposit account database 22, and funds transferred to the fund reserve deposit account database 23 are given a fund transfer instruction from the payment processing unit 34 described later. It is not moved until there is.

  The status database 24 is a database for confirming the status of the fund transfer process. FIG. 3 is a diagram showing the status database 24. As shown in the figure, the status database 24 stores an identification ID 41, payment source information 42, payment amount 43, password 44, payment destination information 45, and status information 46 in association with each other.

  The identification ID 41 is an ID related to the transaction, the payment source information 42 is information such as the account number of the payment source, the payment amount 43 indicates the amount of the moving funds, and the password 44 is a password required for performing the transaction. The payee information 45 is information such as the account number of the payee, and the status information 46 is information indicating whether the funds related to the transaction have been paid or not paid. The status information is not limited to information indicating whether the funds have been paid or not paid, and may include information on the status of payment, for example, information such as a payment execution date and a payment method.

  FIG. 2 is a diagram showing functional blocks of the Internet banking system according to the present embodiment.

  As shown in the figure, the Internet banking system of the present embodiment includes a funds transfer processing unit 31, an e-mail distribution unit 32, a status inquiry unit 33, and a payment processing unit 34 realized by a fund transfer management program. ing. Further, it includes the customer deposit account database 22, the funds reserve account database 23, and the status database 24 described in FIG.

  When the fund transfer processing unit 31 receives a fund transfer instruction including information related to the transfer from the computer 3 of the customer A who is a payer, the fund transfer processing unit 31 performs a fund transfer instruction including the received information related to the transfer to the customer deposit account database 22. In accordance with the received information relating to the transfer, the account and the transfer amount specified by the information relating to the transfer stored in the customer deposit account database 22 are transferred to the funds reserve account database 23.

  Here, the information regarding the transfer transmitted from the computer 3 of the customer A who is the payer includes, for example, account information of the customer deposit account, the payment amount and the e-mail address of the payee.

  Further, the fund transfer processing unit 31 notifies the customer A who is the payer of the identification ID related to the transaction. As a notification method, the identification ID may be displayed on the computer 3 of the customer A, or the identification ID may be transmitted to the computer 3 of the customer A.

  Furthermore, the fund transfer processing unit 31 issues a password relating to the payment, and passes the recipient's email address included in the information relating to the transfer received together with the issued password to the email delivery unit 32.

  The e-mail delivery unit 32 transmits the password passed from the fund transfer processing unit 31 to the computer 4 of the customer B who is the recipient using the passed e-mail address.

  When the inquiry about the transaction is made from the computer 3 of the customer A or the computer 4 of the customer B, the status inquiry unit 33 searches the status database 24 and displays the status information associated with the identification ID on the inquiry source computer. To display.

  The payment processing unit 34 matches the identification information transmitted from the payee computer with the identification information transmitted to the payer computer, and the password transmitted from the payee computer is sent from the e-mail delivery unit 32 to the payee. When it is detected that the password matches the delivered password, the funds stored in the fund holding account database 23 are transferred according to the transfer information indicating the transfer method of the payment amount instructed by the recipient. As a method of transferring funds, for example, methods such as transfer, mailing, receipt at a store, etc. can be considered.

  Next, the operation of the Internet banking system according to the embodiment of the present invention will be described with reference to the flowcharts of FIGS.

  A customer A who is a payer logs in to the internet banking system 2 via the computer 3 and displays a deposit account, a payment amount and an e-mail address of the payee as a GUI (Graphical User Interface) shown in FIG. (S1).

  Thereafter, a screen for confirming the content input in S1 is generated in the Internet banking system, and the screen shown in FIG. 7 is displayed on the screen of the computer 3 of the customer A. In the screen shown in FIG. 7, when the “payment execution” button is pressed, a payment instruction is issued (S2), and the payment amount is transferred from the deposit account database designated in S1 to the fund holding account database (S3).

  Thereafter, the Internet banking system generates a “transaction ID” and “password” dedicated to this service that can be used only once. The “transaction ID” is displayed as in the screen shown in FIG. 7 and is notified to the customer A (S4). On the other hand, the password is notified by e-mail using the e-mail address of customer B designated by customer A in S1 (S5).

  FIG. 9 is a diagram illustrating an example of an e-mail transmitted to the customer B. As shown in the figure, the Internet banking system 2 notifies the customer B of the password, but does not notify the transaction ID. That is, the customer A knows only the “transaction ID” and does not know the “password”. Unless customer B is instructed by customer A, customer B does not know what the “transaction ID” is.

  Note that notifying the customer B of the password by e-mail also serves to notify the customer B that the customer A has paid and deposited the funds in the bank. After notifying the customer B of the password by e-mail, a screen informing the payment result shown in FIG. 8 is displayed on the screen of the computer 3 of the customer A.

  Thereafter, when the customer A determines that there is no problem with the customer B regarding payment, for example, there is no problem such as a flaw in the item purchased at the online auction, and the customer B can pay the price. Contact "Transaction ID". This communication method is based on a method agreed between the two parties. For example, the transaction ID is notified by e-mail, FAX, letter or the like.

  Since there is a time lag between the time when customer A contacts customer B with the transaction ID and the time when the password is notified to customer B from the internet banking system, and the subject of information transmission is different. It is difficult for a person to guess that “transaction ID” is information related to “password”, and security is maintained.

  Customer B logs in to the Internet banking system using the password notified from the Internet banking system and the transaction ID notified from customer A.

  Specifically, when the customer B logs in to the Internet banking system, it is necessary to satisfy the login condition. Here, in order to satisfy the login condition, the transaction ID and password transmitted from the computer 4 of the customer B are sent to the customer B using the transaction ID and e-mail notified to the customer A by the Internet banking system, respectively. If it matches the notified password, it is determined that the login condition is satisfied. Here, the transaction ID and password are input using a screen as shown in FIG.

  When the transaction ID and password are input from the customer B, it is determined whether or not the login condition is satisfied in the Internet banking system (S6). If it is determined in S6 that the login condition is satisfied, the customer B designates a fund receiving method on the screen as shown in FIG. Here, it is possible to select a case of transferring to a designated account, a case of receiving cash at a store, and a case of mailing a deposit check. Note that the customer B inputs information of the bank account to the Internet banking system, but this prevents the customer A from knowing his / her bank account information.

  In S7, when the method for receiving funds of customer B is set, a screen showing the transaction details is displayed on the screen shown in FIG. 12, and when the payment execution button is pressed on the screen, funds are held according to the set receiving method. The funds stored in the deposit account database are moved to the set destination (S8).

  The method of transferring funds depends on the information of the transfer destination. For example, when bank transfer is selected, the user inputs information necessary for the transfer, and the input information is transmitted to a system that performs a transfer process of the Internet banking system.

  In addition, when store receipt is selected, information required for store receipt, for example, information such as the branch of receipt, receipt amount, identity verification material, etc. is input by the user, and this entered information is internet banking. By holding it in the system and making it possible to refer to it from a branch terminal or the like, it is possible to determine whether or not the fund can be received by referring to the information when the recipient receives the fund.

  When mailing a bank check is selected, the user is required to input information necessary for mailing a bank check, such as information regarding the mailing address, the amount of the check, and the like. Accordingly, the bank check can be mailed with reference to the information inside the bank.

  When the transfer of funds is completed, the screen shown in FIG. 13 is displayed on the computer of customer B, and the status information of the corresponding transaction ID is changed to “paid” in the status database 24 (S9). Prohibit reuse of IDs.

  Next, it is determined whether or not there is a status inquiry from the computer of customer A (S10). If it is determined in S10 that there is a status inquiry, the status database is searched using the transaction ID transmitted from the inquiry source as a key (S11), status information is obtained and output to the inquiry source ( S12). Thereby, the customer can confirm the status of his / her own transaction.

  The “transaction ID” and “password” are automatically abandoned by the Internet banking system after a certain period of time. This prevents customer B from logging into the internet banking system.

  Further, in the description of FIG. 4 and FIG. 5 described above, the case where the status inquiry is performed after execution of payment is described. However, the status inquiry can be performed anytime after logging in to the Internet banking system. The status inquiry can be made after both the payee and the payer have logged in to the Internet banking system.

  FIG. 14 is a diagram showing an example of a status inquiry screen displayed when the payer makes a status inquiry. As shown in the figure, on this screen, the status regarding the payment date, recipient, transaction ID, amount, and designation of receipt is displayed.

  FIG. 15 is a diagram illustrating an example of a status inquiry screen for a payee when bank transfer is designated. As shown in the figure, on this screen, information such as account information, money amount, and transaction ID to be transferred is displayed.

  FIG. 16 is a diagram showing an example of a status inquiry screen for recipients when store receipt is designated. As shown in the figure, on this screen, information on the receiving branch, information such as identification information is displayed.

  FIG. 17 is a diagram showing an example of a status inquiry screen for a recipient when the check mail creation is specified. As shown in the figure, information such as the check amount and mailing address is displayed on this screen.

  Of course, in the status inquiry screen, confidential information is protected. Specifically, when there is an inquiry from the recipient, information such as the account number of the payment source is not displayed.

  In the above-mentioned embodiment, when customer B logs in to the Internet banking system, a case where a transaction ID and a password are required has been described. However, the password is not necessarily essential information, and only the transaction ID is used. May be. That is, it is good also considering a transaction ID as login conditions.

  Furthermore, although the case where the ID is issued to the payer and the password is issued to the recipient by e-mail has been described, the reverse may be possible. That is, a password may be issued to the payer and an ID may be issued to the recipient by electronic mail.

  Therefore, according to the present embodiment, it is possible to provide a fund transfer management system capable of transferring funds without the payer knowing the account information of the recipient.

  Further, since it is not necessary to provide a payee's account in the internet banking system, it is possible to provide a funds transfer management system suitable for temporary transactions.

It is a figure which shows the structure of the money movement management system which concerns on embodiment of this invention. It is a figure which shows the functional block of the internet banking system which concerns on this Embodiment. It is a figure which shows a status database. It is a flowchart for demonstrating operation | movement of the internet banking system which concerns on embodiment of this invention. It is a flowchart for demonstrating operation | movement of the internet banking system which concerns on embodiment of this invention. It is a figure which shows the screen for inputting the deposit account which is a payment object, payment amount, and an e-mail address of a recipient. It is a figure which shows the screen for confirming the input content. It is a figure which shows the screen which notifies a payment result. It is a figure which shows the example of the email transmitted to the customer B. FIG. It is a figure which shows the screen which inputs transaction ID and a password. It is a figure which shows the screen for designating the receipt method of money. It is a figure which shows the screen which shows the transaction content. It is a figure which shows the screen which displays the message after the end of dealings. It is a figure which shows an example of the status inquiry screen displayed when a payer performs status inquiry. It is a figure which shows an example of the status inquiry screen for payees when bank transfer is designated. It is a figure which shows an example of the status inquiry screen for recipients when store receipt is designated. It is a figure which shows an example of the status inquiry screen for recipients when check mailing preparation is designated.

Explanation of symbols

  DESCRIPTION OF SYMBOLS 1 ... Internet, 2 ... Internet banking system, 3, 4 ... Computer, 10 ... Bus, 11 ... CPU, 12 ... Display, 13 ... Communication interface, 14 ... Memory, 15 ... Database, 21 ... Fund movement management program, 22 ... Customer deposit account database, 23 ... Payment deposit account database, 24 ... Status database, 31 ... Fund transfer processing unit, 32 ... E-mail delivery unit, 33 ... Status inquiry unit, 34 ... Payment processing unit, 41 ... Identification ID, 42 ... Payment source information, 43 ... Payment amount, 44 ... Password, 45 ... Payment destination information, 46 ... Status information.

Claims (9)

Means for receiving payment information including payment source account information and payment amount from the payer's information device;
Means for transferring a payment amount from the payer's account to a cash reserve account based on the payment information;
Means for notifying the payer of transaction identification information upon receipt of the payment information;
Means for detecting that the transaction identification information transmitted from the recipient's information device matches the transaction identification information notified to the payer;
Means for receiving movement information indicating how to move the payment amount when it is detected that there is a match;
Means for transferring the payment amount from the money reserve account in accordance with the transfer information. The payment information includes recipient email address information;
Means for transmitting, when receiving the payment information, password information about the payment to the recipient's information device using the received recipient's email address;
The detecting means is configured such that the received transaction identification information matches the transaction identification information notified to the payer, and the password information transmitted from the information processing apparatus of the recipient is the recipient. 2. The fund transfer management system according to claim 1, wherein it is detected that the password information transmitted to the information device matches the password information transmitted using electronic mail.   2. The fund transfer management system according to claim 1, further comprising a status database that stores the transaction identification information and status information indicating a payment status corresponding to the transaction identification information in association with each other. .   Based on the status request including transaction identification information from the information processing apparatus of the payer or payee, the status database is searched and payment status information corresponding to the transaction identification information included in the status information is obtained. 4. The fund transfer management system according to claim 3, further comprising means for acquiring and outputting the acquired status information to the information processing apparatus of the payer or payee.   4. The fund according to claim 3, further comprising means for changing status information corresponding to the transaction identification information in the status database to status information indicating paid after the payment amount has been transferred. Mobility management system. Receiving payment information including payment source account information and payment amount from payer's information device,
Based on the payment information, the payment amount is transferred from the payer's account to a cash reserve account,
When receiving the payment information, inform the payer of transaction identification information,
Detecting that the transaction identification information transmitted from the payee's information device matches the transaction identification information notified to the payer;
If it finds a match, it receives movement information that shows how to move the payment amount,
A money transfer management method in a money transfer management system, wherein the payment amount is transferred from the money reserve account in accordance with the transfer information. The payment information includes recipient email address information;
When receiving the payment information, further comprising the step of transmitting password information about the payment to the recipient information device using the received recipient email address;
In the detection step, the received transaction identification information matches the transaction identification information notified to the payer, and the password information transmitted from the information processing apparatus of the recipient is the recipient. 7. The funds transfer management method according to claim 6, wherein the information device is detected to match the password information transmitted using an electronic mail. The fund transfer management system includes:
A status database for storing the transaction identification information in association with status information indicating the status of payment corresponding to the transaction identification information;
The fund transfer management method includes:
Based on the status request including transaction identification information from the information processing apparatus of the payer or payee, the status database is searched and payment status information corresponding to the transaction identification information included in the status information is obtained. 8. The funds transfer management method according to claim 7, further comprising a step of acquiring and outputting the acquired status information to the information processing apparatus of the payer or the payee.   9. The fund according to claim 8, further comprising a step of changing status information corresponding to the transaction identification information in the status database to status information indicating paid after the payment amount has been moved. Movement management method.

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