JP2006039857A - Exchange business operating method and operating system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an exchange business operating method and operating system that make it possible to operate exchange business through a simple procedure on the side of users without requiring the use of an electronic exchange bill book or the handwriting of a self-identification signature. <P>SOLUTION: The exchange business operating system 10 comprises an exchange business dealer's management computer 13, a remittance user's management computer 14, and a communication terminal 15, all of which are communicatively connected to one another via a communication network 11. The exchange business dealer's management computer 13 creates a Web data signal b1 and a password data signal b2 so that it can connect with the remittance user's management computer 14 and the communication terminal 15 for communication. The exchange business dealer's management computer 13 has an email communication means 13e that sends the Web data signal b1 and the password data signal b2 to the remittance user's management computer 14 or the communication terminal 15. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a business operation method and system for performing a currency exchange business using a communication network such as the Internet. In particular, the present invention simplifies the currency transaction processing and improves the convenience of handling on the user side. The present invention relates to a foreign exchange business operation method and an operation system using a communication network.

  Conventionally, as a foreign exchange business operation system using a communication network, a communication network such as the Internet is constructed on the operation side, and the communication network can be used for electronic settlement by the exchange procedure using the communication network. Forex business operation system is known.

  One such exchange business operation system is disclosed in Japanese Patent Application Laid-Open No. 2002-304531 (see Patent Document 1).

  According to this patent document 1, as shown in FIG. 3, a currency exchange operation system capable of performing a transaction transaction with a user side and a settlement transaction using a currency exchange technique using a communication network 1 such as the Internet. 2 is disclosed.

  This exchange business operation system 2 joins the operation side 3 called an issuer related to transactions such as the sale of goods and the communication network 1 provided on the operation side 3 as a member store of the operation side 3 and It is composed of a member store side 4 that provides a handling service, and a terminal user side 5 that has a business relationship with the member store side 4 via the communication network 1 individually.

  When transactions are made between the member store side user side 4 and the end user side 5, funds (amounts) are transferred from the end user 5 side to the member store side 4 by electronic bills. It has become.

  According to this electronic bill of exchange, an electronic bill of exchange ledger is distributed in the communication network 1 as a proof to a financial institution that performs bill processing, and this electronic bill of exchange is performed by electronic signature.

  That is, the member store side 4 uses the management computer 6 provided on the management side 3 to perform authentication by comparing and collating with the user's self-recognized signature data stored in advance in this server. .

According to the exchange business operation system 2 as described above, since the exchange remittance procedure can be performed using the electronic bill of exchange ledger on the communication network 1 instead of the exchange certificate handled in the normal exchange remittance procedure in the financial institution, The end user side 5 can make a settlement to the member store side 4 in the form of exchange remittance, or can indicate the intention of settlement by exchange remittance.
JP 2002-304531 A

  According to the conventional exchange business operation system 2, as a proof to the financial institution that handles bills, the management side 3 must take a pre-procedure to store the user's self-recognized signature data by electronic signature in advance. In addition, the end user 5 side had to hand-write an electronic signature on the electronic bill of exchange ledger for each transaction.

Therefore, for the end user side 5, prior notification of self-recognized signature data,
Each time a user makes a transaction contract, the procedure involved with handwriting a self-recognition signature on the electronic bill of exchange ledger is complicated and troublesome.

  The present invention has been made in view of the above circumstances, and it is possible to operate a currency exchange operation with a simple procedure on the user's side without using an electronic money bill ledger or handwriting work of a self-recognition signature. The main purpose is to provide a foreign exchange business operation method and operation system.

  In order to achieve the above-mentioned object, according to the present invention, when the currency transaction operator side receives the remittance amount from the remittance user side, the web page data signal and the remittance user side at the management computer on the currency transaction operator side Generating the password data signal of the electronic mail, and the electronic data on either the remittance user side or the remittance receiving user side from the two data signals generated by the management computer on the exchange transaction handler side from the electronic mail communication means. Sending to the mail communication means, and receiving the password data signal sent from the electronic mail communication means on the remittance receiving user side in the management computer on the exchange transaction handler side, thereby receiving the remittance receiving user side The communication connection with the electronic mail communication means, and the remittance receipt interest at the exchange computer Providing exchange business operation method using the communication network comprising the steps of transmitting the exchange certificate data information signal to Shah side of the electronic mail communication means.

  In order to achieve the above-mentioned object, according to the present invention, when the currency transaction operator side receives the remittance amount from the remittance user side, the web page data signal and the remittance user side at the management computer on the currency transaction operator side Generating a password data signal of the data exchange, and at least one of the remittance user side and the remittance receiving user side from the e-mail communication means of the management computer for the two data signals generated by the management computer on the exchange business operator side Sending to the e-mail communication means, and receiving the password data signal sent from the e-mail communication means on the remittance receiving user side at the management computer on the exchange transaction handler side, A communication connection with the e-mail communication means on the operator side, and the management computer on the exchange transaction operator side Sending the exchange note data information signal to the electronic mail communication means on the remittance receiving user side, and the exchange sent to the communication terminal on the remittance receiving user side in the management computer on the exchange transaction handler side. The exchange note data shown in the exchange note data format created based on the certificate data information signal, and the exchange note data information signal sent from the management computer on the side of the exchange business operator to the management computer on the side of the remittance user And confirming the authenticity of the exchange note data when the two data match as a result of the comparison and collation between the step and the step of comparing the exchange note data included in A foreign exchange business operation method comprising steps.

  In order to achieve the above-mentioned object, according to the present invention, a management computer on the side of a money exchange business operator connected through a communication network, and a management computer on the remittance user side connected through this communication network, A remittance receiving user side communication terminal that is connected via the communication network, and the exchange transaction handling side management computer includes a remittance user side management computer and a remittance receiving user side communication terminal. In order to enable communication connection between them, it generates a web data signal including web page data and a password data signal including password data of the management computer on the exchange transaction side, while managing on the exchange transaction side The computer sends the web data signal and password data signal to the remittance user's management computer or An electronic mail communication means for transmitting to the communication terminal on the money receiving user side, and the electronic mail communication means receives the password data signal from the communication terminal on the money receiving user side, thereby Is provided so that it can be transmitted to the communication terminal of the remittance receiving user side.

According to the present invention, since money transfer can be made using the web page data on the money transfer user side and the password data used on the money transfer user side, the web page data and money transfer user can be sent to the money transfer user side. Exchange operation procedure and operation system using a communication network that can improve the convenience for remittance users and remittance recipients by inputting password data for use by the user. Can be provided.

  An embodiment of an exchange business operation system according to the present invention will be described with reference to the accompanying drawings.

  FIG. 1 is a diagram showing an outline of an exchange business operation system 10 according to the present invention.

  The exchange business operation system 10 shown in FIG. 1 includes a management computer 13 on the financial institution 12 side as a foreign exchange handling organization that handles exchange business connected to the Internet 11, a transmission-side terminal 14 connected to the Internet 11, and the Internet 11. And a portable terminal 15 used as a receiving terminal connected to.

  In order to use the Internet 11, the exchange business operation system 10 enables the transmission side terminal 14 and the portable terminal 15 on the remittance receiving user side to connect to the Internet 11 in the management computer 13 on the financial institution 12 side. Therefore, an e-mail connection web page (not shown) set in the management computer 13 on the financial institution 12 side is provided.

  The financial institution 12 includes a storefront window 16 and a storefront management computer (hereinafter referred to as a window terminal) 17 of the storefront window 16, and the window terminal 17 is connected to the management computer 13 online.

  In addition, the storefront counter 16 is provided with a payment / payment counter 18 for serving customers at the storefront.

  The window terminal 17 is provided with a memory 17a for storing data of remittance amount a1 and fee a2 submitted by the remittance user and a display screen 17b for displaying data of the remittance amount a1 and fee a2.

  In addition, when the remittance user side performs the transfer procedure to the remittance receiving user side at the store counter 16, the remittance amount a1 and the fee a2 are received at the store counter 16 and the procedure is performed.

  At the time of this receipt procedure, data is input at the counter terminal 17 of the store counter 16, and a remittance data signal a11 and a fee data signal a21 are generated at the counter terminal 17 and simultaneously transmitted to the management computer 13 side. It has come to be.

  The management computer 13 on the financial institution 12 side performs data management of the entire financial institution 12 such as input / output of payment data and correction / deletion of various data.

  The management computer 13 includes a display screen 13a for displaying various data, a memory 13b for storing various data, a comparison collator 13c for comparing and collating various data to determine whether the data matches or not, and various calculation data. It comprises an arithmetic processing unit 13d for processing and an electronic mail communication means 13e connected to the Internet 11 side.

  In addition, the management computer 13 receives the remittance data signal a11 and the fee data signal a21 from the counter terminal 17 side, thereby generating the web page data signal b1 and the password data signal b2.

  Further, the management computer 13 receives the exchange note data signal x2 including the remittance data signal a11 and the fee data signal a21 from the window PC 17 side and displays it on the display screen 13a or stores it in the memory 13b so that it can be called. Yes.

  Various data are stored in the memory 13b of the management computer 13. When one exchange transaction is completed, all or part of the password b2 and the exchange note data x1 can be deleted as necessary.

The comparison / collation unit 13c of the management computer 13 receives the exchange note data information signal x2.
By comparing and comparing the exchange note data x1 included in the data and the exchange note data x1 presented by the remittance receiving user at the store of the financial institution 12, and confirming that both the data x1 and x2 match, It has a function to determine sex.

  Further, the arithmetic processing unit 13d of the management computer 13 receives the exchange note data information signal x2 from the window terminal 17 side, so that a predetermined exchange note data format (printed matter) to be displayed in a certificate format based on the exchange note data x1. (Not shown) is created.

  Furthermore, when the financial institution 12 receives the exchange remittance request, the web page data signal b1 including the web page data is sent from the e-mail communication unit 13e of the management computer 13 to the e-mail communication unit 14d on the remittance user side. A password data signal b2 including password data is transmitted.

  As described above, the management computer 13 on the financial institution 12 side can connect to the electronic mail communication means 13e on the financial institution 12 side from the transmission side terminal 14 on the remittance user side every time it receives a money transfer request from the remittance user side. In addition, the web page data signal b1 and the password data signal b2 used in the electronic mail communication means 14d on the remittance user side are automatically transmitted.

  The sending terminal 14 on the remittance user side includes a keyboard 14a, a memory 14b for storing various data, a display screen 14c for displaying various data, and an electronic mail communication means 14d.

  Further, the e-mail communication means 14d on the remittance user side uses the web page data signal b1 and password data signal b2 received from the management computer 13 of the financial institution 12 to send the remittance user side mobile terminal 15 side to the Internet. 11 is transferred through the network.

  In transferring the data signals b1 and b2 to the remittance receiving user side, another transfer means, for example, a mobile phone network (not shown) which is a general wireless communication network may be used.

  The portable terminal 15 includes a button operation unit 15a, a memory 15b that stores data to be transmitted and received, a display screen 15c that displays various data, and a data output unit 15d that prints data in the memory 15b.

  In addition, the mobile terminal 15 receives the web page data signal b1 and the password data signal b2 transmitted from the e-mail communication means 14d on the remittance user side, thereby confirming that the remittance procedure has been performed on the remittance user side. Can be recognized.

  That is, when the mobile terminal 15 receives the web page data signal b1 and the password data signal b2, it can be displayed on the display screen 15c, for example.

  The data output unit 15d of the portable terminal 15 receives the exchange note data information signal x2 transmitted from the e-mail communication means 13e of the financial institution 12, thereby obtaining the exchange note data x1 included in the exchange note data information signal x2. The data is printed and output in a predetermined exchange certificate data format (not shown).

  For example, using the memory 15 b of the portable terminal 15, the outputted exchange note data format may be read by a memory reader (not shown) of the financial institution 12 and printed out.

  In this way, by submitting the exchange certificate data format output from the portable terminal 15 on the user side of the remittance recipient or the memory 15b storing the exchange certificate data format to the store window 16 on the financial institution 12 side, The user can be paid for the remittance amount a1 paid at the store counter 16 of the financial institution 12.

  Next, the procedure steps in the financial institution 12 of the exchange business operation system 10 using the communication network will be described with reference to FIG.

  A remittance amount a1 and a fee a2 are received from the remittance user at the store window 16 of the financial institution 12 <Step 1>.

  The management computer 13 of the financial institution 12 receives the remittance data signal a11a and the fee data signal a21 from the counter PC 17 of the store counter 16, and generates a web page data signal b1 and a password data signal b2 <Step 2>.

  The management computer 13 transmits the generated web page data signal b1 and password data signal b2 from the e-mail communication unit 13e to the e-mail communication unit 14d on the remittance user side (step 3).

  Next, the management computer 13 of the financial institution 12 uses the web page data signal b1 and the password data signal b2 transmitted to the e-mail communication means 14d on the remittance user side to use the mobile terminal on the remittance receiving user side connected for communication. 15 transmits the exchange note data information signal x2 to <step 4>.

  The management computer 13 of the financial institution 12 receives the exchange note data format created based on the exchange note data information signal x2 transmitted to the portable terminal 15 on the remittance receiving user side from the remittance receiving user side, The exchange verification data x1 stored in the memory 13b of the management computer 13 and the exchange verification data x1 shown in the exchange certificate data format are compared and verified by the comparison verification unit 13c.

  If they match as a result of the comparison, the authenticity of the exchange note data x1 is recognized <Step 5>.

  The financial institution 12 side pays the remittance amount a1 to the remittance receiving user side <step 6>.

  Then, the financial institution 12 saves the remittance data related to the exchange business, etc., stored in the management computer 13 of the financial institution 12 as the exchange business is completed by payment of the remittance a1 to the remittance receiving user. All or part of the various data is deleted from the memory 13b <Step 7>.

  The currency exchange business operation system 10 performs the above steps <Step 1> to <Step 7> through the communication network 11 and the sending terminal 14 on the remittance user side and the portable terminal 15 on the remittance receiving user side. The exchange business can be operated by communication and data processing by the management computer 13 on the financial institution 12 side provided.

  As described above, according to the exchange business operation system 10, the management computer 13 on the exchange business operator side that is communicatively connected via the Internet 11, and the remittance user side that is connected to the management computer 13 via the Internet 11. , A remittance receiving user's mobile terminal 15 connected to the management computer 13 or the transmitting terminal 14 via the Internet 11, and the mobile terminal 15 is connected to the management computer 13 or the transmitting terminal. It has a feature that various data signals can be easily received from the 14 side.

  The management computer 13 on the side of the currency exchange business side is a web page of the management computer 13 so that communication connection is possible between the sending terminal 14 on the remittance user side and the portable terminal 15 on the remittance receiving user side. While the web data signal b1 including data and the password data signal b2 including password data are generated, the management computer 13 on the exchange transaction handler side sends the web data signal b1 and password data signal b2 to the transmission side on the remittance user side. E-mail communication means 13e for transmitting to the terminal 14 or the portable terminal 15 on the remittance receiving user side.

  The e-mail communication means 13e can transmit the exchange note data information signal x2 to the portable terminal 15 on the remittance receiving user side by receiving the password data signal b2 from the portable terminal 15 on the remittance receiving user side. It can be done.

  Therefore, the management computer 13 on the exchange transaction handler side uses a password as a precondition for the exchange of data with the portable terminal 15 on the remittance receiving user side. About the exchange note data x1 created by the computer 13 itself, the comparison check of the exchange note data x1 stored in the management computer 13 and the exchange note data x1 transmitted to the sending terminal 14 on the remittance user side is performed by the comparison / verifier 13c A certification method for judging gender is used.

  For this reason, the operation of the exchange business by the management computer 13 on the exchange business operator side is accurate and reliable, and furthermore, since the e-mail communication means 13e on the exchange business operator side using the Internet 11 is adopted, It is possible to provide the exchange business operation system 10 that can contribute to speeding up operations.

  According to the exchange business operation system 10, the exchange note data information signal x2 transmitted from the electronic mail communication means 13e on the financial institution 12 side is received via the Internet 11 to the portable terminal 15 on the remittance receiving user side. Therefore, the portable terminal 15 on the remittance receiving user side can receive the exchange note data information signal x2 anytime and anywhere.

  The remittance receiving user can receive payment of the remittance amount a1 at the financial institution 12 side immediately after reception.

  Further, the mobile terminal 15 on the remittance receiving user side of the exchange business operation system 10 may be a mobile communication terminal such as a PDA terminal, and when handled in a fixed place, for example, installed Even a type terminal can be used.

  Moreover, according to the exchange business operation system 10, the financial institution 12 is illustrated as an example of the exchange business operator. Is possible.

  Furthermore, according to the exchange business operation system 10, the Internet 11 is used as a communication network means between the management computer 13 on the financial institution 12 side, the sending terminal 14 on the remittance user side, and the portable terminal 15 on the remittance receiving user side. Although illustrated, it may be an area limited type or a specific user limited type communication network means using an intranet or a dedicated cable line.

The figure which shows the outline | summary of embodiment which concerns on the exchange business operation system of this invention. The figure which shows the flow of the exchange remittance procedure step demonstrated with the example handled by the financial institution about the exchange business operation method of this invention. The figure which shows the outline | summary of the currency exchange business operation system using the conventional communication network.

Explanation of symbols

10 Exchange business operation system 11 Internet (communication network)
12 Financial institutions (exchange handling institutions)
13 management computer 13a display screen 13b memory 13c comparison collator 13d arithmetic processing unit 13e e-mail communication means 14 transmission side terminal 14a keyboard 14b memory 14c display screen 14d e-mail communication means 15 portable terminal (reception side terminal)
15a Button operation unit 15b Memory 15c Display screen 15d Data output unit 16 Store counter 17 Counter terminal (store computer)
17a Memory 17b Display screen 18 Payment window a1 Remittance a11 Remittance data signal a2 Fee a21 Fee data signal b1 Web page data signal b2 Password data signal x1 Currency certificate data x2 Currency certificate data information signal

Claims (6)

A step of generating a web page data signal and a remittance user side password data signal on a management computer of the remittance business side by receiving a remittance amount from the remittance user side on the money exchange business side;
Transmitting both the data signals generated by the management computer on the exchange transaction handler side from the email communication means to either the remittance user side or the remittance receiving user side;
By receiving the password data signal transmitted from the e-mail communication means on the remittance receiving user side at the management computer on the exchange transaction handler side, the communication connection is established with the e-mail communication means on the remittance receiving user side. Steps,
A step of transmitting an exchange note data information signal to an electronic mail communication means on the remittance receiving user side at the management computer on the exchange transaction handler side;
Forex business operation method using a communication network comprising A step of generating a web page data signal and a remittance user side password data signal on a management computer of the remittance business side by receiving a remittance amount from the remittance user side on the money exchange business side;
Transmitting both the data signals generated by the management computer on the exchange transaction handler side from the electronic mail communication means of the management computer to at least one of the remittance user side and the remittance receiving user side; ,
By receiving the password data signal transmitted from the e-mail communication means on the remittance receiving user side at the management computer on the exchange transaction handler side, the communication connection is established with the e-mail communication means on the remittance receiving user side. Steps,
A step of transmitting an exchange note data information signal to an e-mail communication means on the remittance receiving user side at a management computer on the exchange transaction handler side;
The exchange document data shown in the exchange document data format created on the basis of the exchange document data information signal transmitted to the communication terminal of the remittance user side by the management computer of the exchange transaction operator side, and the exchange transaction A step of comparing and checking the exchange note data included in the exchange note data information signal transmitted from the management computer on the handling side to the management computer on the remittance receiving user side;
A step of recognizing the authenticity of the exchange note data when the comparison result of the two data matches in the management computer of the exchange business operator side;
Forex business operation method comprising: Money exchange business side management computer connected via a communication network, remittance user side management computer connected via this communication network, and remittance receipt use connected via this communication network A communication terminal on the user side,
The management computer on the side of the money order business operator must be able to communicate with the management computer on the money transfer user side and the communication terminal on the money transfer recipient side. While the web data signal including the page data and the password data signal including the password data are generated, the management computer on the currency exchange business side uses the web data signal and the password data signal on the remittance user side management computer or the remittance receiving use. E-mail communication means for transmitting to the communication terminal on the person side,
This e-mail communication means is characterized in that the exchange note data information signal can be transmitted to the remittance receiving user side communication terminal by receiving the password data signal from the remittance receiving user side communication terminal. Forex business operation system. 4. The exchange business operation system according to claim 3, wherein the management computer on the side of the exchange business operator is a management computer of a foreign exchange handling organization such as a post office, a bank and a securities company that handles exchanges. 4. The exchange business operation system according to claim 3, wherein the communication network is one of the Internet, an intranet, and a dedicated communication line. 4. The exchange business operation system according to claim 3, wherein the communication terminal on the receiving user side is a portable terminal or a PDA terminal.

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