JP2006302150A - Payment processing system, device, payment processing method and computer program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a device and a mechanism which enables a receiver who receives payment to perform transactions from different bank accounts with one cash card. <P>SOLUTION: An ATM device 4 is constituted in such a way that, when processing to a receiver's bank account is accepted from the receiver, the ATM device 4 requests input of a cash card 5 of a bank account opened in a banking establishment A opened separately from a receiving bank account of the receiver and a personal identification number as authentication information and when the input cash card 5 and authentication information are correct, payment processing from a payment bank account opened in a banking establishment B is performed. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to a technique for performing payment processing from a payer to a recipient through a financial institution, and particularly suitable for an employer (payer) to pay wages to an employee (payee). I will provide a.

Conventionally, a payment from a payer using a financial institution to a payee is often made by a payer making a transfer to a financial institution in which the payee has opened an account. An example of a typical payment is wage payment from an employer to an employee.
In this wage payment, the employment system is now liberalized, and not only monthly payments but also weekly or daily payment employment contracts are increasing. When paying wages on a daily basis in this way, in the payment of wages using a financial institution, even if the transfer procedure for paying the wage after the end of the day's work is completed, due to the business hours of the financial institution, The process will be the next day. Therefore, there are many people who ask for payment of wages on that day. Employees who want to pay daily employment contracts are not familiar with paying wages using such financial institutions. Therefore, instead of paying wages using financial institutions, a predetermined amount of money must be withdrawn from financial institutions in advance. In addition, cash is handed to each employer.

Furthermore, as a mechanism to efficiently send and pay money to a specified partner, for example, the amount of money transferred can be withdrawn from the sender's account at the request of the sender and temporarily generated so that the recipient can manage it. After confirming the identity in response to a payment request from the payee, pay the money stored in the temporary account to the payee, and delete the temporary account with no balance after the payment is completed There is something which was made to do (refer to patent documents 1).
JP-A-11-265413

  However, as a payer, if the financial institution designated by the payee is different, it is necessary to perform a transfer procedure for each financial institution, which is very troublesome. In particular, in payroll, there are a variety of financial institutions designated by employees, and employers have different wages, and each employee is different, so it is very cumbersome to perform wage transfer processing for financial institutions. It was hanging. In addition, the transfer fee in that case is all borne by the employer, and if the employer's financial institution and the employee's financial institution are not the same affiliated financial institution, it is higher than the fee between the same financial institution. There was a problem such as having to pay the fee.

In order to reduce the transfer fee and the like, there is a case where the payer gives the payee an account at the same financial institution where the payer has opened an account, and pays there. In such a case, the recipient has to bother to open an account in the financial institution, which is not only very troublesome but also has a problem of having a cash card for the account.
In addition, the number of issued cash cards increases from financial institutions, which increases the cost of issuance, and the financial institution must also provide an account for paying wages for each employer. However, there were problems such as the number of account files increased, the system scaled up, and processing took time.

  In addition, in the above-described conventional technology, when payment is made using a temporarily generated temporary account, the principal information as a key for the remittance destination to access the temporary account is transferred when the money is transferred to the temporary account. Since the origin is specified, not only the remittance destination but also the remittance source can access the temporary account, and there is anxiety in terms of temporary account management. In other words, it is virtually possible for the remittance source to receive payment from the temporary account, and in the unlikely event that a third party illegally receives payment from the temporary account at the remittance destination, the location of responsibility for managing the temporary account is unclear. Therefore, the remittance source who has the possibility to access the temporary account leaves room for doubt. In addition, even a temporary account is premised on remittance to a different financial institution, and in that case, remittance processing is performed between completely different accounts, so the burden on the financial institution system is large and remittance time is required. Or a remittance fee may be incurred.

The present invention has been made to solve the above-described problems, and provides a mechanism that allows a payer to make a payment to a payee immediately and efficiently using an account of a financial institution. The purpose is to provide.
In addition, as another object of the present invention, even when a financial institution different from the bank institution that the recipient previously holds is designated as a payment destination, the account information of the designated financial institution is used. It is an object of the present invention to provide a mechanism capable of receiving paid money and receiving paid money using authentication information of a bank account held by the recipient.

  A payment processing system according to one aspect of the present invention includes a first financial institution device that manages recipient account information opened by a recipient and a second financial institution that manages payer account information opened by the payer. Apparatus and an operation terminal that is operated by the recipient, and each of the devices and the terminal is configured to be able to communicate with each other, wherein the first financial institution device is an account of a recipient account. First storage means for storing recipient account information including number and authentication information; first receiving means for receiving account number and authentication information of the recipient account from the operation terminal; and First discrimination means for discriminating whether the account number and the authentication information match the recipient account information stored in the first storage means, and the discrimination result is transmitted to the operation terminal. Transmitting means, and the second means The financial institution apparatus has a second storage means for storing the payer account information and the account information for receiving the money paid by the payee, and an authentication indicating that the first financial institution apparatus has been authenticated. The second receiving means for receiving the payment information and the payment account information and the payment amount information input by the recipient, whether or not the authentication information has been received, and the received payment account information is the second A second discriminating unit that discriminates whether or not it matches the payment account information stored in the storage unit, and the operation when the authenticated information is received and it is discriminated that it matches the payment account information. A payment processing system comprising transaction processing means for performing payment processing of a payment request amount from a payment account based on payment amount information input by a recipient from a terminal.

  A payment processing system according to another aspect of the present invention includes a first financial institution device that manages payee account information opened by a payee, payer account information opened by the payer, and the payee. A second financial institution device that manages payment account information for receiving money, an operation terminal that the recipient inputs and receives payment processing information from the operation terminal, and transmits it to each financial institution device. The first financial institution device includes a recipient account including an account number and authentication information of the recipient account, wherein the first financial institution device is configured to communicate with each other. First storage means for storing information, first receiving means for receiving the account number and authentication information of the recipient account input via the operation terminal, and the account number and authentication information of the received recipient account Is the first A first discriminating means for discriminating whether or not it matches the recipient account information stored in the means, and a transmitting means for transmitting the discriminating result to the operation terminal or the intermediate processing device, and the intermediate processing When the authentication result by the first financial institution apparatus is appropriate, the apparatus stores the third storage when the account information of the recipient account and the payment account information are stored in association with each other. Means for extracting the payment account information stored in association with the recipient account, and with respect to the second financial institution apparatus managing the extracted payment account, the first financial institution Authentication information indicating that the authentication has been completed by the apparatus, and the transmission means for transmitting the extracted payment account information and payment amount information, and the second financial institution apparatus includes the payer account information and the payment account information. Second to remember Storage means; authenticated information indicating that the first financial institution apparatus has been authenticated by the intermediate processing apparatus; and second receiving means for receiving the payee's payment account information and payment amount information. Second determination means for determining whether the authenticated information has been received and whether the received payment account information matches the payment account information stored in the second storage means; Transaction processing means for performing payment processing of the payment request amount from the payment account based on the payment amount information from the recipient when the authenticated information is notified and it is determined that the information matches the payment account information. It is characterized by that.

  A payment processing system according to still another aspect of the present invention includes a first financial institution device that manages payee account information opened by a payee, payer account information opened by the payer, and the payee. The system has a second financial institution device that manages payment account information for receiving money and an operation terminal operated by the recipient, and the devices and terminals are configured to be able to communicate with each other. The first financial institution apparatus is configured to store a first storage means for storing the recipient account information including the account number of the recipient account and authentication information in association with the payment account information, and the receipt from the operation terminal. First receiving means for receiving the account number and authentication information of the recipient account, and whether the received account number and authentication information of the recipient account match the recipient account information stored in the first storage means No. to determine whether If the determination means and the authentication information match, the payment account information stored in the first storage means in association with the recipient account information is extracted from the second financial institution apparatus and extracted. A second storage means for storing the payer account information and the payment account information, wherein the second financial institution apparatus stores the payer account information and the payment account information. Authenticated information indicating that authentication has been performed by the first financial institution apparatus; second receiving means for receiving payment account information and payment amount information input by the recipient; and the authenticated information And a second determination means for determining whether the received payment account information matches the payment account information stored in the second storage means, and the authenticated information is notified. And payment And transaction processing means for performing payment processing of the payment request amount from the payment account based on the payment amount information from the recipient when it is determined that it matches the account information.

  The account information for receiving the money paid by the payee may be payment account information for dividing a part of the payer account storage area and making payment to the payee. .

  A financial institution apparatus according to one aspect of the present invention has first storage means for storing recipient account information including an account number and authentication information of a recipient account, and receives the above receipt from an operation terminal operated by the recipient. The account number and authentication information of the recipient account are received, and whether or not the received account number and authentication information of the recipient account matches the recipient account number and authentication information stored in the first storage means A second storage for storing the payer account information and the payment account information for receiving the money paid by the payee, which is connected to the first financial institution device through communication. A second receiving means for receiving the payment information and the payment amount information transmitted from the operation terminal, and the authenticated information indicating that the first financial institution apparatus has been authenticated; Information was notified A second determination means for determining whether or not the received payment account information matches the payment account information stored in the second storage means, and the authenticated information is notified, and And transaction processing means for performing payment processing of the payment request amount from the payment account based on the payment amount information from the recipient when it is determined that the payment account information is met.

  A settlement bank apparatus according to one aspect of the present invention has first storage means for storing recipient account information including an account number and authentication information of a recipient account, and receives the receipt from an operation terminal operated by the recipient. Receiving the account number and authentication information of the recipient account, and determining whether or not the received account number and authentication information of the recipient account matches the recipient account information stored in the first storage means. A first financial institution device; and second storage means for storing the payer account information and payment account information for receiving money paid by the recipient, and is authenticated by the first financial institution device. If the authenticated information indicating that the payment has been made, the payment account information and the payment amount information of the recipient are received, the authenticated information is notified, and it is determined that the information matches the payment account information, the recipient Based on payment amount information from A second financial institution device that performs payment processing of a payment request amount from a payment account, and a device that is configured to be connectable via communication, wherein the account information of the recipient account and the payment account information are Third storage means for storing in association, receiving means for receiving the account number, authentication information and payment amount information for requesting payment transmitted from the operation terminal; received recipient account number and authentication If the authentication request means for transmitting the information to the first financial institution apparatus and making an authentication request and the authentication result by the first financial institution apparatus is appropriate, refer to the third storage means, The payment account information stored in association with the recipient account is extracted, and the first financial institution device has completed authentication for the second financial institution device managing the extracted payment account. That table And transmitting means for performing payment processing from the payment account by transmitting the authenticated information, the extracted payment account information and the payment amount information.

  A transaction processing apparatus according to one aspect of the present invention has first storage means for storing recipient account information including an account number of a recipient account and authentication information, and the inputted account number of the recipient account. And the first financial institution that receives the authentication information and determines whether or not the received account number and authentication information of the payee account matches the payee account information stored in the first storage means. A second storage means for storing the payer account information and the payer account information for receiving the money paid by the recipient, and being authenticated by the first financial institution device Payment amount information from the recipient when the authenticated information is received and it is determined that the information is in conformity with the payment account information. Based on the payment account or A transaction processing apparatus configured to be able to connect via a communication with a second financial institution apparatus that performs payment processing of the requested payment amount from the recipient, the recipient account number, and the authentication information of the recipient account , Receiving the input of the payment account information and the payment amount information, the input recipient account number, and the recipient account authentication information to the first financial institution device, When the authentication request means for making an authentication request and the first financial institution apparatus receive notification that the recipient account information is correct, the authenticated information, the input payment account information, and the payment amount information are Transmitting means for transmitting to the second financial institution apparatus managing the payment account; and output means for receiving notification of the payment processing result from the second financial institution apparatus and outputting the payment processing result information; Special features To.

    A transaction processing apparatus according to one aspect of the present invention has first storage means for storing recipient account information including an account number and authentication information of a recipient account, and the recipient is operated from a terminal operated by the recipient. Receiving the account number and authentication information of the account, and determining whether or not the received account number and authentication information of the recipient account matches the recipient account information stored in the first storage means; A first financial institution device, and a second storage means for storing the payer account information and the payment account information for receiving the money paid by the recipient, and is authenticated by the first financial institution device. If the authenticated information indicating that the payment has been made, the payment account information and the payment amount information of the recipient are received, and if the authenticated information is notified and it is determined that the payment account information matches, the receipt Based on payment amount information And a second financial institution device that performs payment processing of the payment request amount from the payment account, and third storage means for storing the account information of the recipient account and the payment account information in association with each other. The account number of the account, the authentication information and the payment amount information requesting payment are received, the received recipient account number and the authentication information are transmitted to the first financial institution apparatus, the authentication request is made, and the first financial If the authentication result by the institutional device is appropriate, refer to the third storage means, extract the payment account information stored in association with the recipient account, and manage the extracted payment account An intermediate processing device that transmits authenticated information indicating that authentication has been completed by the first financial institution device, the extracted payment account information, and the payment amount information to the second financial institution device, via communication Connect A transaction processing apparatus configured to be capable of receiving an input of a recipient account number, authentication information of the recipient account, payment account information, and payment amount information from the recipient, and the inputted recipient An authentication request means for transmitting an account number and authentication information of the recipient account to the settlement bank device, and making an authentication request for the recipient account to the first financial institution device via the settlement bank device, and the settlement The second financial institution device that manages the payment account with this authenticated information, and the input payment account information and payment amount information when receiving a notification that the recipient account information is correct from the bank device And transmitting means for receiving the payment processing result notification from the second financial institution apparatus and outputting the payment processing result information.

  A payment processing method according to one aspect of the present invention includes a first financial institution apparatus having first storage means for storing payee account information including an account number and authentication information of a payee account opened by a payee. A second financial institution apparatus having second storage means for storing payer account information opened by the payer and account information for receiving money paid by the payee, and an operation of the payee input operation The first financial institution apparatus receives the account information and authentication information of the payee account from the operation terminal, and the received account information and authentication information of the payee account. Is performed to determine whether it matches the recipient account information and authentication information stored in the first storage means, and to transmit the determination result to the operation terminal, the first 2 financial institution equipment Has received the authenticated information indicating that it has been authenticated by the first financial institution apparatus, the process of receiving the payment account information and the payment amount information input by the recipient, and whether the authenticated information has been notified. A process for determining whether the received payment account information matches the payment account information stored in the second storage means, and receiving the authenticated information, and When it is determined that they are suitable, a process for performing a payment process of a payment request amount from a payment account based on payment amount information input by a recipient from the operation terminal is performed.

  A payment processing method according to another aspect of the present invention includes a first financial institution apparatus having first storage means for storing recipient account information including an account number and authentication information of a recipient account opened by a recipient, and A second financial institution apparatus having second storage means for storing payer account information opened by the payer and account information for receiving money paid by the payee, and an operation of the payee input operation The method is performed by a terminal and an intermediate processing device having third storage means for receiving payment processing information from the operation terminal and storing the account information of the recipient account and the payment account information in association with each other. The first financial institution apparatus receives the account number and authentication information of the payee account input via the operation terminal, and the received account number and authentication information of the payee account 1 storage means A process for determining whether or not it matches the recipient account number and authentication information stored in the process, and a process for transmitting the determination result to the operation terminal or the intermediate processing device, the intermediate processing device When the authentication result by the first financial institution apparatus is appropriate, the third storage means is referred to and processing for extracting payment account information stored in association with the recipient account is extracted. Processing for transmitting authenticated information indicating that authentication has been completed by the first financial institution apparatus, extracted payment account information and payment amount information to the second financial institution apparatus managing the payment account; And the second financial institution apparatus receives authenticated information indicating that the first financial institution apparatus has been authenticated by the intermediate processing apparatus, payment account information and payment amount information of the recipient. Receive A process for determining whether or not the authenticated information has been notified, and whether or not the received payment account information matches the payment account information stored in the second storage means, and authentication. When payment information is notified and it is determined that the information matches the payment account information, the payment request amount is paid from the payment account based on the payment amount information from the recipient.

  A payment processing method according to one aspect of the present invention includes a recipient account information including an account number and authentication information of a recipient account opened by a recipient, and money paid by the recipient provided in a second financial institution. A first financial institution apparatus having first storage means for associating and storing payment account information for receiving the payment account information, and payment account information for receiving the payer's payer account information and money paid by the payee , A second financial institution device for managing payer account information opened by the payer and payment account information for receiving money paid by the payee, and the payee The first financial institution apparatus receives the account number and authentication information of the recipient account from the operation terminal, and the received recipient account account number. And certification When the authentication information matches the first processing for determining whether the information matches the recipient account number and authentication information stored in the first storage means, the second financial institution A process of extracting payment account information stored in association with the recipient account information in the first storage means to the device, and transmitting the extracted payment account information, authenticated information and payment amount information; And a process of receiving authenticated information indicating that the second financial institution apparatus has been authenticated by the first financial institution apparatus, and payment account information and payment amount information input by the recipient. Determining whether the authenticated information has been notified and whether the received payment account information matches the payment account information stored in the second storage means; and the authenticated information Informed and When it is determined that fits 払口 seat information based on the payment amount information from the recipient, and performs a process of paying the payment request amount from the payment account.

  A payment processing method according to still another aspect of the present invention includes first storage means for storing payee account information including an account number of a payee account and authentication information. Receiving the account number and authentication information of the recipient account, whether or not the received account number and authentication information of the recipient account matches the recipient account number and authentication information stored in the first storage means A method performed by a computer device connected via communication with a first financial institution device for determining whether the computer device receives the payer account information and the money paid by the payee Having the second storage means for storing the payment account information, the authenticated information indicating that the first financial institution apparatus has been authenticated, the payment account information and the payment transmitted from the operation terminal Processing for receiving amount information, whether or not the authenticated information has been notified, and whether or not the received payment account information matches the payment account information stored in the second storage means And processing to pay the payment request amount from the payment account based on the payment amount information from the recipient when it is determined that the authenticated information is notified and the payment account information is matched. Features.

  A payment processing method according to an aspect of the present invention includes a first financial institution apparatus that has payee account information and performs authentication processing of payee account information in response to an authentication request, the payer account information, and the payout information. Has received payment account information for receiving paid money, and has received authenticated information indicating that it has been authenticated by the first financial institution apparatus, and payment account information and payment amount information of the recipient When the authenticated information is notified and it is determined that the information matches the payment account information, the second financial unit performs the payment processing of the payment request amount from the payment account based on the payment amount information from the recipient. A method performed by an institutional device and a computer device configured to be connectable via communication, wherein the computer device associates the account information of the recipient account with the payment account information. Processing for receiving the account number of the recipient account, the authentication information and the payment amount information for requesting the payment transmitted from the operation terminal, and the received recipient account number and the authentication information. Is sent to the first financial institution apparatus and when the authentication result by the first financial institution apparatus is appropriate, the recipient is referred to by referring to the third storage means The payment account information stored in association with the account is extracted, and the first financial institution device has completed authentication for the second financial institution device managing the extracted payment account. By performing transmission of authenticated information, extracted payment account information and payment amount information, a process for performing payment processing from the payment account is performed.

  A payment processing method according to still another aspect of the present invention includes a first financial institution apparatus that has recipient account information and performs authentication of the recipient account information, the payer account information, and the recipient pays. Receiving the payment account information for receiving the received money, receiving the authenticated information indicating that the first financial institution device has been authenticated, the payment account information and the payment amount information of the recipient, and authenticating A second financial institution device that performs payment processing of the payment request amount from the payment account based on the payment amount information from the recipient when the payment information is notified and the payment information is determined to be suitable , An apparatus executed by a computer device configured to be connectable via communication, and receiving a recipient account number, authentication information of the recipient account, payment account information, and payment amount information from the recipient received Processing for transmitting the recipient account number and the authentication information of the recipient account to the first financial institution apparatus for making an authentication request for the recipient account, and the first financial institution When a notification that the recipient account information is correct is received from the device, this authenticated information and the input payment account information and payment amount information are sent to the second financial institution device managing the payment account. A process of transmitting and a process of receiving a payment process result notification from the second financial institution apparatus and outputting the payment process result information are performed.

  A payment processing method according to still another aspect of the present invention includes a first financial institution apparatus that has receiver account information and performs authentication processing of the received receiver account information, the payer account information of the payer, and Authenticated information indicating that the recipient has received payment account information for receiving paid money and has been authenticated by the first financial institution apparatus; payment account information and payment amount information of the recipient When the authenticated information is notified and it is determined that the information matches the payment account information, the payment request amount is paid from the payment account based on the payment amount information from the recipient. And the account information of the payee account and the payment account information are stored in association with each other, and the received payee account number and authentication information are transmitted to the first financial institution device to make an authentication request. , The first When the authentication result by the financial institution apparatus is appropriate, the payment account information stored in association with the recipient account is extracted, and the second financial institution apparatus managing the extracted payment account An intermediate processing device that transmits authenticated information indicating that authentication has been completed by the first financial institution device, extracted payment account information and payment amount information, and a computer device configured to be connectable via communication A method of receiving a recipient account number, authentication information of the recipient account, payment account information, and payment amount information from the recipient, the entered recipient account number, and the recipient Processing for transmitting account authentication information to the settlement bank device and requesting authentication of the recipient account to the first financial institution device via the settlement bank device; Processing to transmit this authenticated information and the input payment account information and payment amount information to the second financial institution apparatus managing the payment account when a notification that the account information is correct is received And a process of receiving a payment processing result notification from the second financial institution apparatus and outputting the payment processing result information.

  A computer program according to an aspect of the present invention includes a first financial institution device that has recipient account information and performs authentication processing of the recipient account information in response to an authentication request, the payer account information, and the recipient Has received payment account information for receiving paid money, and has received authenticated information indicating that the first financial institution device has been authenticated, and the payee's payment account information and payment amount information. The second financial institution that performs the payment processing of the payment request amount from the payment account based on the payment amount information from the recipient when the authenticated information is notified and it is determined that the information matches the payment account information. A settlement bank apparatus comprising: a computer having a third storage means configured to be connectable to the apparatus via communication, and storing the account information of the recipient account and the payment account information in association with each other. A computer program for causing the computer to function, a process for receiving the account number of the recipient account, authentication information and payment amount information for requesting payment transmitted from the operation terminal to the computer; If the processing for transmitting the account number and the authentication information to the first financial institution apparatus to make an authentication request and the authentication result by the first financial institution apparatus are appropriate, refer to the third storage means. The payment account information stored in association with the recipient account is extracted, and the second financial institution device managing the extracted payment account is authenticated by the first financial institution device. Sending the authenticated information indicating completion, the extracted payment account information, and the payment amount information to execute processing for performing payment processing from the payment account To.

  A computer program according to another aspect of the present invention includes a first financial institution device having recipient account information and authenticating the recipient account information, the payer account information, and the payee being paid. Authenticated information having payment account information for receiving money, receiving authenticated information indicating that the first financial institution device has been authenticated, payment account information and payment amount information of the recipient Is communicated with the second financial institution apparatus that performs payment processing of the payment request amount from the payment account based on the payment amount information from the recipient, A computer program for causing a computer configured to be connectable via a computer to function as an operation terminal, wherein the recipient receives a recipient account number, the recipient account number from the recipient. Processing for accepting input of authentication information, payment account information, and payment amount information of the recipient account, and transmitting the inputted recipient account number and authentication information of the recipient account to the first financial institution device, When processing for requesting authentication of a payee account and notification that the payee account information is correct are received from the first financial institution apparatus, the authenticated information, the input payment account information, and the payment amount A process of transmitting information to the second financial institution apparatus managing the payment account; a process of receiving a notification of the payment process result from the second financial institution apparatus and outputting the payment process result information; Is executed.

  A computer program according to still another aspect of the present invention includes a first financial institution apparatus that has recipient account information and performs authentication processing of the received recipient account information, the payer account information of the payer, and the above The recipient has payment account information for receiving paid money, and includes authenticated information indicating that the recipient has been authenticated by the first financial institution apparatus, and the recipient's payment account information and payment amount information. A second process of performing payment processing of the payment request amount from the payment account based on the payment amount information from the recipient when the authenticated information is notified and it is determined that the information matches the payment account information. The financial institution device, the account information of the recipient account and the payment account information are stored in association with each other, and the received recipient account number and authentication information are transmitted to the first financial institution device to perform an authentication request. If the authentication result by the first financial institution apparatus is appropriate, the payment account information stored in association with the recipient account is extracted, and the extracted second payment account is managed. It is configured to be able to connect to the institutional device via communication with the intermediate processing device that transmits the authenticated information indicating that the authentication has been completed by the first financial institution device, the extracted payment account information, and the payment amount information. A computer program for causing a computer to function as an operating terminal operated by a payer, from the recipient to the recipient account number, authentication information of the recipient account, payment account information, and Processing for accepting input of payment amount information, the input recipient account number, and authentication information of the recipient account are transmitted to the settlement bank device, and the settlement bank device is Processing for making a request for authentication of the recipient account to the first financial institution device, and when receiving the notification that the recipient account information is correct from the settlement bank device, the authenticated information and the input Processing for transmitting the payment account information and payment amount information to the second financial institution device managing the payment account, and receiving a notification of the payment processing result from the second financial institution device, and payment processing result information And a process of outputting.

According to the present invention, it is possible to make an immediate and efficient payment from a payer to a payee using an account of a financial institution.
In addition, as another object of the present invention, even when a financial institution different from the bank institution that the recipient previously holds is designated as a payment destination, the account information of the designated financial institution is used. The paid money can be received and the paid money can be received using the authentication information of the bank account held by the payee.

Hereinafter, an embodiment in which a payment system according to the present invention is applied to a wage payment processing system for paying wages from an employer to an employee will be described with reference to the drawings.
FIG. 1 is an overall configuration diagram schematically showing an example of a wage payment system. In FIG. 1, the system according to the present embodiment includes a financial institution A system 1 that manages employee accounts, a financial institution B system 2 that manages employer accounts, and input of transaction information from employees, etc. Accepting ATM device 4, financial institution A system 1, financial institution B system 2, interbank server 3 for switching data exchanged with ATM device 4, employee account cache held by the employee It consists of a card 5.

The financial institution A system 1 is a computer system of a financial institution A (Bank A) that has an employee account that is a transaction account opened by an employee and performs transaction processing using the employee account. The financial institution A system 1 has an account master database 11 in which bank account information established in the financial institution A is databased. The account master database 11 has a storage area that can store financial institution information such as financial institution codes and branch codes, and account information such as account numbers, account names, account types, transaction dates, transaction amounts, and balances for each account. Is provided. Thereby, the financial institution code, branch code, account number, account name, account type, transaction date, transaction amount, and balance of the employee account can be stored as the employee account information.
Then, the financial institution A system 1 receives an account number transmitted from the ATM device 4 via the inter-bank server 3, a reception processing unit that receives a personal identification number as authentication information input by the employee, and an account master database 11. , An authentication processing unit for determining whether or not the received account number and PIN are compatible with the account number and PIN stored in the account master database 11, and information such as the authentication result between the banks A transmission processing unit for notifying the ATM device 4 via the server 3 is provided. As a result, the financial institution A system 1 performs authentication processing of the information (employee account information) of the employee's cash card 5 and the input personal identification number transmitted from the ATM device 4, and the result is sent to the ATM device. 4 can be transmitted.
The financial institution A system 1 is configured to perform transaction processing such as deposit, withdrawal, transfer, and transfer based on the account information of the employee stored in the employee account master database 11. Further, the financial institution A system 1 may perform a transfer process to an employee account based on transfer process information notified from another financial institution such as the financial institution B system 2 via the interbank server 3. it can.

The financial institution B system 2 is a computer system of a financial institution B (Bank B) that opens an employer account, which is a transaction account opened by the employer, and performs transaction processing such as withdrawal, transfer, and transfer using the employer account. It is.
As shown in FIG. 2, the financial institution B system 2 includes an account master database (DB) 21, an employee database (DB) 22, a reception processing unit 23, an authentication processing unit 24, a transmission processing unit 25, and a transaction processing unit 26. have.
The account master database 21 includes financial institution information such as financial institution codes and branch codes, and authentication information such as account numbers and passwords for each account, account name, account type, transaction date, and transaction amount as shown in FIG. The employee account information consisting of the balance can be stored. In the account master database 21, payment account information for the employer to pay wages to the employee is provided by dividing a part of the storage area of the employer account information.
As the employer account information, a payment account number, account name, transaction date, transaction amount, and balance associated with the employer account information can be stored. This payment account is an account established by dividing a part of the storage area of the employer account, and is a virtual account opened by the employee for receiving wages. In this way, the employer account and the payment account are associated with each other by providing a payment account by dividing a part of the employer account. The payment account is established by the employer for each employee and assigned to each employee. This payment account information is notified from the employer to the employee by e-mail or in writing. Has been. This account is set up as an account that can only accept salary transfers from employers and payments (withdrawals, transfers, transfers) by employees. Therefore, the employee cannot deposit money into the payment account, and the employer cannot arbitrarily withdraw.
In this example, the first few digits of the payment account number indicate the financial institution and branch code, the next one digit indicates the payment account, and the remaining payment digits can identify individual payment accounts. ing. Note that authentication information may also be set for a payment account.
In this example, all information is stored in the account master database 11, but it is divided into a master DB that stores account numbers, account names, authentication information, etc. and a transaction DB that stores transaction history for each account. May be.

  The employee database (DB) 22 is a database of information on employees. As shown in FIG. 4, the employee database 22 can store an employee ID, employee name, address, gender, date of birth, employee account information, and payment account number for identifying the employee. It has become. This employee account number is account information relating to a trading account opened by an employee at another financial institution, and in this example, the financial institution code and branch code of financial institution A where the employee has opened an account. , Information such as account number can be stored. The employee database (DB) 22 is not required to be provided in a financial institution and is optional.

  The reception processing unit 23 performs a process of receiving the telegram data transmitted from the interbank server 3 based on a predetermined protocol. Thereby, the data transmitted from other financial institution systems such as the ATM device 4 or the financial institution A system 1 can be received via the inter-bank server 3.

The authentication processing unit 24 performs authentication processing of the received account number and a personal identification number as authentication information. In this authentication process, the authentication processing unit 24 refers to the account master database 21 to determine whether the received account number of the employer account or the payment account number of the payment account exists, and the input of the entered employee account. Authentication processing is performed by determining whether or not the personal identification number matches the personal identification number stored in the account master database 21.
Further, the authentication processing unit 24 has authenticated information in the financial institution A system 1 when there is a payment request such as withdrawal or transfer from the payment account, and the notified payment account information is stored in the account master database 21. To determine whether or not it exists.

The transmission processing unit 25 performs processing for transmitting transaction processing data and notification data.
In this transmission, the transmission processing unit 25 performs a process of transmitting data to the interbank server 3 according to a predetermined protocol and message format.

The transaction processing unit 26 performs transaction processing such as withdrawal, payment, transfer, transfer, balance inquiry. These processes are performed by the transaction processing unit 26 with reference to the account data stored in the account master database 21. The transaction processing unit 26 refers to the account master database 21 and, in the case of withdrawal, stores transaction history information by subtracting the amount requested for withdrawal from the balance of the account requested for processing, and for the ATM device 4. Make a withdrawal processing instruction. In the case of the transfer process, the transfer amount is subtracted from the balance of the designated transfer source account, and the transfer amount is added to the balance of the transfer destination account, and transaction history information is stored. When the bank account is another financial institution, a transfer processing request is made by notifying the other financial institution of the transfer amount information via the inter-bank server 3.
Further, the transaction processing unit 26 performs a wage transfer process from the employer account to the employee pay account in response to a wage payment request from the employer.
Further, the transaction processing unit 26 performs payment and transfer processing from the requested payment account in response to a processing request such as withdrawal from the payment account or transfer from the ATM device 4.

  The interbank server 3 performs a process of switching data in order to send data exchanged between the financial institution A system 1, the financial institution B system 2, and the ATM device 4 to a designated device or terminal. This switching process searches a corresponding financial institution from a financial institution code in a message based on a code master assigned to each financial institution or ATM device (not shown), and for the address registered in the master. Process by sending a message. Thereby, the interbank server 3 has a function of relaying data exchange between a plurality of financial institutions or between these financial institutions and the ATM device 4.

The ATM device 4 is a cash deposit device installed in a financial institution.
As shown in FIG. 5, the ATM device 4 includes a storage unit 41, a transmission / reception processing unit 42, an input receiving unit 43, a screen display control unit 44, a card processing unit 45, and a cash processing unit 46.
The storage unit 41 is a storage unit that can store transaction data. The storage unit 41 can store information input by a user who uses the ATM device 4 and can also temporarily or continuously store information notified from the financial institution system.

  The transmission / reception processing unit 42 performs processing for receiving transmission data sent from the inter-bank server 3 and transmitting transmission data generated by the ATM device 4 to the financial institution system via the inter-bank server 3. The transmission processing unit 42 transmits and receives these transmission data according to a predetermined message format based on a predetermined protocol.

  The input receiving unit 43 performs processing for receiving information input by a user who uses the ATM device 4. The input receiving unit 43 performs processing for receiving input of information such as numbers and characters input by the user pressing a numeric key provided on the touch screen or the ATM device. As a result, the input receiving unit 43 receives information such as an account number or a personal identification number input by the user, or information on a transfer destination, and performs processing using the information as transaction data.

  The screen display control unit 44 performs processing for displaying an input screen for a transaction screen or a touch screen. Data of these transaction screens is stored in the storage unit 41 in advance, and a necessary transaction screen can be displayed for each transaction.

The card processing unit 45 performs a process of reading information from the cash card 5 inserted by an ATM user by controlling a card reader (not shown). Specifically, the card processing unit 45 can read data such as a financial institution code, a branch code, an account type, an account number, and an account name from the cash card 5. The cash card 5 may be any card such as a magnetic card, an IC card, or an optical card.
The cash processing unit 46 performs cash deposit processing. When the withdrawal is permitted by the financial institution system, the cash processing unit 46 performs a process of paying out the requested amount of cash. In addition, in the case of cash transfer, etc., a process of determining whether the cash inserted by the user is authentic and counting it is performed.

The cash card 5 is a cash card issued by a financial institution. The cash card 5 may be a magnetic card, an IC card, an optical card, or the like. The cash card 5 stores information such as a financial institution code, a branch code, an account type, an account number, and an account holder.
In this example, the cash card 5 is issued to the employee account held by the financial institution A, and the cash payment is made to the employee payment account opened in the financial institution B. Card 5 has not been issued.

Next, an example of the payment processing method by the above system will be described. First, the processing flow of the entire system will be described with reference to FIG. In the example of FIG. 1, the employee has previously opened a trader account according to the financial institution A, and a cash card 5 for performing transactions using this employee account is issued. Further, the employer establishes an employer account in the financial institution B, and a payment account for paying wages to the employer is provided according to the employer account.
In this state, when the employee withdraws the money deposited in the payment account of the financial institution B by the employer, first, the cash card 5 of the financial institution A held by the employee is inserted into the ATM device 4. When the personal identification number is input, the ATM device 4 sends the financial institution code, branch code, account type, account number read from the input card and the input personal identification number to the financial institution A system via the inter-bank server 3. The authentication request is transmitted (S1, S2).

  The financial institution A system refers to the account master database 11 to authenticate whether or not the received employee account number and PIN are correct (S3), and sends the authentication result to the requesting ATM via the inter-bank server 3. The authentication result is notified to the device 4 (S4, S5).

  If the entered account number and PIN are correct as a result of authentication, the ATM device 4 temporarily stores the authenticated result, and the ATM device 4 inputs the payment account number to the employee and A message requesting selection input of the financial institution and branch name where the payment account is provided and a screen requesting input of the payment amount are displayed. When the employee inputs the payment account number and the payment request amount based on this, the input payment account number and the authenticated information by the financial institution A are transmitted to the financial institution system B through the inter-bank server 3 (S6, 7).

In the financial institution B system 2, an authentication process is performed to determine whether or not there is authenticated information from the financial institution A and whether or not a payment account number exists with reference to the account master database 21 (S8).
Then, the authentication result and the payment account balance are notified to the ATM device 4 via the inter-bank server 3 (S9, S10).

In the ATM device 4, when the authentication result is correct, the payment account balance is displayed, the input of the payment amount is requested, and when the employee inputs the payment amount accordingly, the input payment request amount is transferred between the banks. The data is transmitted to the financial institution B system 2 via the server 3 (S11, S12).
The financial institution B system 2 determines whether or not the payment request amount is payable (S13), and if payment is possible, sends a payment processing notification via the inter-bank server 3 (S14).
Thereby, in the ATM device 4, in the case of withdrawal, the employee can receive cash payment from the payment account by paying out the cash requested for payment.

Next, details of processing of the ATM device 4 in the above-described payment method will be described with reference to FIG.
In FIG. 6, the screen display control unit 44 of the ATM device 4 first displays a transaction selection screen on the touch screen (S101). As this transaction processing screen, as shown in FIG. 9, a transaction processing menu such as “deposit”, “withdrawal”, “balance inquiry”, etc. is displayed on the touch screen of the ATM device 4, and a desired transaction is selected from these It can be selected.

When the employee selects “Balance inquiry” in this state, the input accepting unit 43 of the ATM apparatus detects the balance inquiry selection, and the screen display processing unit 44 displays a card input request screen as shown in FIG. 10 ( S102).
In response to the card input screen, the card processing unit 45 determines whether or not a card has been inserted (S103).
When the cash card 5 is inserted, the card processing unit 45 reads the bank code, branch code, and account number from the cash card 5 and temporarily stores them in the storage unit 41 (S104).
Further, the screen display control unit 44 displays a code number input key on the touch screen as shown in FIG. 11, and requests the input of the code number (S105). The password may be input from a numeric key provided on the ATM device 4.

  The input receiving unit 43 determines whether or not a password is input (S106). When the password is input, the input receiving unit 43 receives the input password, and the transmission / reception processing unit 42 stores the input password and the storage unit 41. The stored bank code, branch code, and account number are transmitted to the inter-bank server 3 (S107). As a result, the interbank server 3 sends these data from the financial institution code and the branch code to the financial institution A system 1 and the financial institution A system 1 performs an authentication process.

The transmission / reception processing unit 42 determines whether or not there is an authentication notification from the financial institution A system 1 via the inter-bank server 3 (S108).
If there is no authentication notification or if the authentication result is not correct, the screen display control unit 44 displays a message indicating that the authentication cannot be processed and ends the process.
As a result of the authentication, if the account number and password are correct, the screen display control unit 44 shows the employee account balance passed from the financial institution A system 1 and the transaction selection as shown in FIG. It is displayed on the touch screen (S109). In the example of FIG. 12, the balance of the employee account is displayed 121, the withdrawal button 122 for continuing the withdrawal process from the employee account, and the button 123 for selecting withdrawal from the payment account, and the process is stopped. A cancel button 124 is displayed.

In this state, the input receiving unit 43 determines which process has been selected (S110).
When payment is selected, the input reception unit 43 detects that payment processing has been selected, and proceeds to payment processing. If cancel is selected, the process is stopped.
If withdrawal from a payment account is selected, the screen display control unit 44 displays a payment account information input screen as shown in FIG. 13 (S111).
In the example shown in FIG. 13, a selection button 131 for selecting a bank (financial institution) in which a payment account is provided, a payment account number input area for inputting an account number of the payment account, and a withdrawal for performing a withdrawal process. A button 133, a transfer button 134 for performing the transfer process, and a cancel button 135 for canceling the transaction are displayed. By pressing the selection button 131, it is possible to select a financial institution and a branch where a payment account, that is, an employer account is provided. The payment account number may be input from the ten key of the ATM device 4 or may be input by displaying the ten key on the touch screen. The selection screen for the financial institution and branch and the input screen for the payment account number may be different screens.

Still referring to FIG. 7, the input receiving unit 43 receives input of bank information and payment account number provided on the screen, and also includes a withdrawal button 133, a transfer button 134, and a cancel button 135. It is determined which process has been selected (S112).
If cancel is selected, the process is canceled and the initial screen state is restored.
When the withdrawal button 133 is selected, the transmission / reception processing unit 42 indicates that the bank information and payment account information in which the input payment account is provided and that the financial institution A system 1 is authenticated. The authenticated information is transmitted to the inter-bank server 3 to check the balance of the payment account (S113).
This authenticated information can be performed by storing a flag indicating that the information has been authenticated by another financial institution in a certain area in the transmission message. The authenticated information may include a financial institution code or a branch code of the financial institution that has performed the authentication.
Thereby, based on the bank information received by the inter-bank server 3, the information is transmitted to the financial institution B system 2 where the payment account is opened. Is present in the account master database, and if it exists, the balance information is returned via the inter-bank server 3.

When there is a balance notification from the financial institution B system 2 via the interbank server 3, the transmission / reception processing unit 42 receives this balance notification, and the screen display control unit 44 displays the balance of the payment account as shown in FIG. At the same time, input of the withdrawal amount is requested (S114).
In the example shown in FIG. 14, the balance 141 of the payment account is displayed, and a payment amount input area 142 is provided so that the payment amount can be input with the numeric keypad of the ATM device 4. Then, a confirmation button 143 for confirming the amount and a cancel button 144 for canceling the processing are displayed. Note that the input of the amount may be received by displaying a numeric keypad on the touch screen.

The input receiving unit 43 determines whether or not an input confirmation has been made by inputting an amount and pressing the confirmation button 143 (S115).
If the result of determination is that the cancel button has been pressed, the processing is terminated and the screen returns to the initial screen.
If it is detected that the confirmation button has been pressed, the transmission / reception processing unit 42 transmits the withdrawal amount information to the financial institution B system 2 via the inter-bank server 3 (S116).
As a result, the financial institution B system 2 determines whether or not the requested payment amount is equal to or greater than the balance of the payment account, and if payment is possible, notifies the payment processing in cash.

The transmission / reception processor 42 determines whether or not there is a notification permitting the withdrawal process from the financial institution B system 2 (S117).
If it cannot be pulled out as a result of determination, the processing is terminated and the initial screen is displayed.
If there is a notification that the withdrawal process is permitted, the cash processing unit 46 performs a payout process for paying out the requested cash (S118), and the process ends.
Thereby, the employee can receive payment of desired cash from a payment account.

In addition, the process of the ATM device 4 when the transfer is selected in the process of S112 described above will be described with reference to FIG.
In FIG. 8, when the transfer process is selected, the transmission / reception processing unit 42 indicates that the bank information and payment account information in which the input payment account is provided and that the financial institution A system 1 is authenticated. The authenticated information is transmitted to the inter-bank server 3, and the balance of the payment account is inquired (S120).
When there is a balance notification from the financial institution B system 2 via the interbank server 3, the transmission / reception processing unit 42 receives this balance notification, and the screen display control unit 44 displays the balance of the payment account as shown in FIG. At the same time, a transfer amount input request screen for requesting input of the transfer amount to the employee account is displayed (S121).
In the example shown in FIG. 15, the balance 151 of the payment account is displayed, and a transfer amount input area 152 is provided so that the payment amount can be input by the ten key of the ATM device 4. Then, a confirmation button 153 for confirming the amount of money and a cancel button 154 for canceling the processing are displayed. Note that the input of the amount may be received by displaying a numeric keypad on the touch screen.

The input receiving unit 43 determines whether or not the amount is input and the confirmation button 143 is pressed to input confirmation (S122).
If the result of determination is that the cancel button has been pressed, the processing is terminated and the screen returns to the initial screen.
When it is detected that the confirmation button has been pressed, the transmission / reception processing unit 42 transmits the transfer amount information and the cash card 5 information to the financial institution B system 2 via the inter-bank server 3 (S123).
As a result, the financial institution B system 2 determines whether or not the requested transfer amount is equal to or greater than the balance of the payment account, and if transfer is possible, information on the cash card 5 via the inter-bank server 3. Based on the above, a transfer processing notification is made to the financial institution A system 1 in which the employee account is provided.

The transmission / reception processing unit 42 determines whether or not the transfer processing result is notified from the financial institution B system 2 (S123).
As a result of the determination, if the transfer process cannot be performed, the process ends and the screen returns to the initial screen.
When the transfer process result is received, the screen display control unit 44 displays the transfer process result on the screen (S125), and the process ends.
Thereby, the transfer process can be performed from the payment account to the employee account that the employee always uses.

After the inquiry of the balance in S113, as shown in FIG. 15, the account balance of the employee account and the account balance of the payment account are displayed together, and the kana is selected from these accounts, or two You may make it withdraw from the account together.
In the example shown in FIG. 15, an employee account balance 151, a payment account balance 152, a payment amount input area 153, a payment button 154, and a cancel button 155 are displayed.
Here, the payment amount may be input, the input amount may be withdrawn from the employee account, and the missing amount may be withdrawn from the payment account. Conversely, the amount that is insufficient from the payment account may be withdrawn from the employee account.
Further, a selection button may be provided so that withdrawal can be made from any account.

Next, details of processing of the financial institution B system in the above-described payment processing method will be described with reference to FIG.
It is assumed that the authentication process for the cash card 5 has already been completed between the ATM device 4 and the financial institution A system 1.
In FIG. 16, the payment request information such as the payment account number and the authentication information by the financial institution A system 1 are transmitted from the ATM device 4 together with the transaction request information from the payment account via the inter-bank server 3. The processing unit 23 receives the payment account information and the authenticated information (S201).
Upon receiving the transaction request from the payment account, the authentication processing unit 24 determines whether there is information that has been authenticated by another financial institution system (S202).
At this time, the authentication processing unit 24 makes an inquiry from the financial institution code included in the authenticated information to the authenticated financial institution A system 1 as to whether or not the authentication information is correct. May be.
As a result of the determination, if there is no authenticated information, the transaction is rejected and the process is terminated.

As a result of the determination, if it is determined that there is authenticated information, the authentication processing unit 24 refers to the account master database 22 to determine whether there is account information corresponding to the received payment account information ( S203). This determination is performed by determining whether or not the account number of the received payment account information exists.
As a result, when the payment account information does not exist in the account master database 21, the transaction is rejected and the process is terminated.

  If the payment account information exists as a result of the discrimination, the transaction processing unit 26 extracts the account balance of the payment account from the account master database 21 and receives the ATM received from the transmission processing unit 25 via the inter-bank server 3. The payment account balance information is transmitted to the device 4 (S204).

The transaction processing unit 26 stands by until a payment request amount is received from the ATM device 4 (S205).
When receiving the payment request amount requested by the employee from the ATM device 4, the transaction processing unit 26 determines whether or not the payment request amount is equal to or less than the payment account balance (S206).
If the payment request amount exceeds the payment account balance as a result of the determination, the fact that payment processing cannot be performed is notified, and the processing is terminated.
Moreover, when the payment request amount is equal to or less than the payment account balance as a result of the determination, the transaction processing unit 26 subtracts the current payment request balance from the account balance stored in the account master database 21, and after the transaction Account balance is calculated (S207).
This process is the same for both withdrawal and payment from a payment account to an employee account.
Then, the transaction processing unit 26 transmits the withdrawal approval notification information including the withdrawal approval amount and the balance after the transaction from the transmission processing unit 25 to the ATM device 4 (S208), and ends the process.
In the case of transfer from the payment account to the employee account, the withdrawal approval notification information is notified to the financial institution A system 1.

As described above, according to the above-described embodiment, since the employer who is a payer only has to pay wages to the payment account, there is no need to bother to specify a financial institution for each employee, and the transfer process can be performed efficiently. And transfer fees can be reduced.
Also, the employee who is the recipient does not have to bother to have a cash card for the payment account, and can make a transaction from either account with one cash card like the employee account.

In addition, for the financial institution B, since the number of accounts itself does not increase, the storage area of the account master database 21 can be used efficiently, and the trouble of account management can be reduced.
In addition, since the financial institution B does not need to issue a cash card for a payment account, the issue cost can be reduced.
Further, since payment processing cannot be performed from the payment account without authentication by the financial institution A, the employer cannot receive payment from the payment account without permission, and safety can be maintained.

In the above-described embodiment, an example in which an employee inputs payment account information has been described. However, a payment bank system may be provided, and an employee account and a payment account may be associated in this payment bank system. In addition, about the structure same as the above-mentioned embodiment, the same code | symbol is attached | subjected and description is abbreviate | omitted.
In the example shown in FIG. 18, a settlement bank system 6 configured to be connectable to the inter-bank server 3 via communication using a dedicated line or the like is provided. In this settlement bank, the account of the employee and the employer itself is not opened, but the ATM device 4 is installed in a store or the like, and transaction processing is performed at a predetermined financial institution (in this example, financial institutions A and B). Intermediary. The settlement bank system 6 is a computer system that performs a process of accepting a settlement request such as payment, transfer, or transfer to the financial institution A or the financial institution B and transmitting the settlement request to a predetermined financial institution.
This settlement bank system 6 has a transfer database 61. As shown in FIG. 19, the transfer database 61 stores employee account information and payment account information held by the employee in the financial institution B in association with each other.
The employee account information is information including a financial institution code, a branch code, an account type, and an account number of the financial institution A where the employee account is established. The payment account information includes a financial institution code of a financial institution B where a payment account is opened, a branch code, an employer account number, and a payment account number. The employee account information and payment account information are not limited to these contents as long as these accounts can be identified.
The settlement bank system 6 can refer to the transfer database 61 and distribute the payment processing request for the payment account to the financial institution B system 2 in which the payment account is provided.

An example of the payment processing method in the present embodiment will be described with reference to FIG.
In the example of FIG. 18, the employee has opened a trader account in advance according to the financial institution A, and a cash card 5 for performing transactions using this employee account is issued. Further, the employer establishes an employer account in the financial institution B, and a payment account for paying wages to the employer is provided according to the employer account.
In this state, when the employee withdraws the money deposited in the payment account of the financial institution B by the employer, first, the cash card 5 of the financial institution A held by the employee is inserted into the ATM device 4. When the personal identification number is entered, the ATM device 4 reads the financial institution code, branch code, account type, account number, account name read from the entered card, and the entered personal identification number via the inter-bank server 3 as a financial institution. An authentication request is sent to the A system (S21).

The inter-bank server 3 transmits the received data from the received financial institution code and branch code to the corresponding financial institution A system 1 (S22).
The financial institution A system authenticates whether the received employee account number and PIN are correct by referring to the account master database 11 (S23), and sends the authentication result to the requesting ATM via the inter-bank server 3. The authentication result is notified to the device 4 (S24, S25).

As a result of authentication, if the input account number and PIN are correct, the ATM device 4 temporarily stores this authenticated result information and shifts the payment processing from the payment account to the employee. When the employee selects and inputs a transaction from the payment account based on this message, the employee account information and the information authenticated by the financial institution A are sent via the inter-bank server 3. It transmits to the settlement bank system 6 (S26).
The inter-bank server 3 transmits employee account information (financial institution code, branch code, account type, account number, account name) and information authenticated by the financial institution A to the settlement bank system 6 (S27).

The settlement bank system 6 refers to the transfer database 61 and searches for and extracts a payment account number associated with the received employee account information (S28).
When the associated payment account information is extracted, the settlement bank system 6 sends the received payment account information and authenticated information to the bank that has the payment account based on the payment account information. The data is transmitted to the financial institution B system 2 via the inter-server 3 (S29).
The inter-bank system 3 transmits the payment account information and the authenticated information to the designated financial institution B to the settlement bank system 6 (S30).

The financial institution B system 2 determines whether or not there is authentication information of the financial institution A, and whether or not the payment account information received with reference to the account master database 21 exists. The remaining amount information is extracted (S31).
Then, the financial institution B system 2 transmits the extracted balance information to the ATM device 4 via the inter-bank server 3 (S32, S33).

The ATM device 4 displays the notified balance of the payment account, requests input of the payment amount, and when the payment amount is input in response thereto, the input payment amount information is sent via the inter-bank server 3. To the financial institution B system 2 (S34, S35).
In response to this, the financial institution system 2 updates the balance by subtracting the amount requested for payment from the account master database 21, and issues a payment instruction to the ATM device 4 via the inter-bank server 3 (S36, S37).
Thereby, the ATM apparatus 4 pays out the cash requested for payment, so that the employee can receive cash payment from the payment account.

  As described above, according to the present embodiment, in addition to the effects of the above-described embodiment, the employee account information and the payment account information can be associated with each other by the settlement bank system 6. It is not necessary to memorize the payment account information, and it is not necessary to issue a medium such as a card storing the payment account information, thereby reducing the cost.

In the example illustrated in FIG. 18, the example in which the settlement bank server is provided has been described. However, as illustrated in FIG. 19, the above-described settlement bank server function may be provided in the inter-bank server.
In this case, as shown in FIG. 19, first, when the cash card 5 of the financial institution A held by the employee is inserted into the ATM device 4 and a personal identification number is input, the ATM device 4 The financial institution code, the branch code, the account type, the account number, the account name, and the entered personal identification number read from the above are transmitted to the financial institution A system via the inter-bank server 3 to make an authentication request (S41).

The inter-bank server 3 transmits the received data from the received financial institution code and branch code to the corresponding financial institution A system 1 (S42).
The financial institution A system refers to the account master database 11 to authenticate whether or not the received employee account number and PIN are correct (S43), and sends the authentication result via the inter-bank server 3 to the requesting ATM. The authentication result is notified to the device 4 (S44, S45).

As a result of authentication, if the input account number and PIN are correct, the ATM device 4 temporarily stores this authenticated result information and shifts the payment processing from the payment account to the employee. When the employee selects and inputs a transaction from the payment account based on this message, the employee account information and the information verified by the financial institution A are transmitted to the inter-bank server 3. (S46).
The interbank server 3 refers to the transfer database 61 and searches for and extracts a payment account number associated with the received employee account information (S47).
When the associated payment account information is extracted, the inter-bank server 3 sends the received payment account information and authenticated information to the bank that has the payment account based on the payment account information. The data is transmitted to the financial institution B system 2 via the inter-server 3 (S48).

The financial institution B system 2 determines whether or not there is authentication information of the financial institution A, and whether or not the payment account information received with reference to the account master database 21 exists. The remaining amount information is extracted (S49).
Then, the financial institution B system 2 transmits the extracted balance information to the ATM device 4 via the inter-bank server 3 (S50, S51).

The ATM device 4 displays the notified balance of the payment account, requests input of the payment amount, and when the payment amount is input in response thereto, the input payment amount information is sent to the inter-bank server 3. To the financial institution B system 2 (S52, S53).
In response to this, the financial institution system 2 updates the balance by subtracting the amount requested for payment from the account master database 21, and issues a payment instruction to the ATM device 4 via the inter-bank server 3 (S54, S55).
Thereby, the ATM apparatus 4 pays out the cash requested for payment, so that the employee can receive cash payment from the payment account.

  As described above, according to the embodiment shown in FIG. 19, in addition to the effects of the above-described embodiment, the interbank server 3 has the transfer database 61 without providing a settlement bank system. Does not need to remember payment account information or issue a card for payment account, and the entire system can be made concise as much as there is no payment bank system. Can be reduced.

  In the above example, the example in which the settlement bank server is provided and the example in which the inter-bank server associates the payment account with the employee account has been described. The payment account and the employee account may be associated with the system 1 in the financial institution A system 1.

Further, in each of the above-described embodiments, an example in which a payment account provided by dividing a part of the storage area of the employer account in the financial institution B has been described. However, the payment account is not limited to payment by an employee. The present invention can also be applied to a case where payment processing is performed for an employee account of financial institution A from an ordinary account opened in (1).

In the present embodiment described above, for example, when the balance of the payer account becomes “0 yen”, or when the balance of the payer account becomes “0 yen” and a certain period of time has elapsed, it is virtually provided. The payment account information may be deleted, or an expiration date may be provided so that a payer account that has not been traded for a certain period of time may be similarly deleted.
As a result, the employer can resolve the situation where there is no payment (no balance) and the payment account remains forever, and the financial institution can delete the payment account by deleting unnecessary payment accounts. This eliminates the need to secure a storage area for the account, which is preferable because the system load is reduced.

  In each of the above-described embodiments, an example in which an ATM device is used as an operation terminal has been described. However, the present invention is not limited to this, and a CD (cash dispenser) device may be used, or a terminal such as a net banking personal computer may be used. There may be.

The figure which showed the flow of the process of the whole structure of the payment processing system which concerns on embodiment of this invention, and a payment processing method. The functional block diagram of the financial institution B system concerning this embodiment. The figure which showed an example of the data memorize | stored in the account master database of the financial institution B system concerning this embodiment. The figure which showed an example of the data memorize | stored in the employee database of the financial institution B system concerning this embodiment. The functional block diagram of the ATM apparatus concerning this embodiment. The figure which showed the flow of the detailed process of the ATM apparatus concerning this embodiment. The figure which showed the flow of the detailed process at the time of the ATM apparatus concerning this embodiment performing a drawing-out process. The figure which showed the flow of the detailed process at the time of the ATM apparatus concerning this embodiment performing a transfer process. The figure which showed an example of the initial menu screen of the ATM apparatus concerning this embodiment. The figure which showed an example of the card insertion screen of the ATM apparatus concerning this embodiment. The figure which showed an example of the PIN code input screen of the ATM apparatus concerning this embodiment. The figure which showed an example of the balance display screen of the ATM apparatus concerning this embodiment. The figure which showed an example of the payment information input screen with respect to the payment account of the ATM apparatus concerning this embodiment. The figure which showed an example of the payment amount input screen of the ATM apparatus concerning this embodiment. The figure which showed an example of the transfer amount input screen of the ATM apparatus concerning this embodiment. The figure which showed an example of the name collation screen of the ATM apparatus concerning this embodiment. The figure which showed the flow of the detailed process of the financial institution B system concerning this embodiment. The figure which showed the flow of the process of the whole structure of the payment processing system which concerns on another embodiment, and a payment processing method. The figure which showed the flow of the process of the whole structure and payment processing method of the payment processing system which concerns on another embodiment.

Explanation of symbols

1 Financial Institution A System 2 Financial Institution B System 3 Interbank Server 4 ATM Device 5 Cash Card 11 Account Master Database 21 Account Master Database

Claims (18)

A first financial institution device for managing payer account information opened by the payee, a second financial institution device for managing payer account information opened by the payer, and an operation terminal for input operation by the payee; And each of the above devices and terminals is configured to be able to communicate with each other,
The first financial institution apparatus is
First storage means for storing recipient account information including an account number and authentication information of the recipient account;
First receiving means for receiving the account number and authentication information of the recipient account from the operation terminal;
First discriminating means for discriminating whether or not the received account number and authentication information of the payee account matches the payee account information stored in the first storage means;
Transmitting means for transmitting the determination result to the operation terminal,
The second financial institution apparatus is
Second storage means for storing the payer account information and account information for the recipient to receive paid money;
Authenticated information indicating that authentication has been performed by the first financial institution apparatus; and second receiving means for receiving payment account information and payment amount information input by the recipient;
Second determination means for determining whether the authenticated information has been received and whether the received payment account information matches the payment account information stored in the second storage means;
Transaction processing means for receiving payment information from the payment account based on the payment amount information input by the recipient from the operation terminal when it is determined that the authenticated information is received and the payment account information is matched. And having
A payment processing system characterized by that. A first financial institution device for managing payee account information opened by the payee, a payer account information set by the payer, and a pay account information for receiving the money paid by the payee. A financial institution apparatus, an operation terminal for input operation by the recipient, and an intermediate processing apparatus for receiving settlement processing information from the operation terminal and transmitting it to each financial institution apparatus. Are configured to communicate with each other,
The first financial institution apparatus is
First storage means for storing recipient account information including an account number and authentication information of the recipient account;
First receiving means for receiving the account number and authentication information of the recipient account input via the operation terminal;
First discriminating means for discriminating whether or not the received account number and authentication information of the payee account matches the payee account information stored in the first storage means;
Transmission means for transmitting the determination result to the operation terminal or the intermediate processing device,
The intermediate processing apparatus is
Third storage means for storing the account information of the recipient account and the payment account information in association with each other;
When the authentication result by the first financial institution apparatus is appropriate, the payment information stored in association with the recipient account is extracted with reference to the third storage means, and the extracted payment Transmitting means for transmitting to the second financial institution device managing the account authenticated information indicating completion of authentication by the first financial institution device, extracted payment account information, and payment amount information; Have
The second financial institution apparatus is
Second storage means for storing the payer account information and payment account information;
A second receiving means for receiving, from the intermediate processing device, authenticated information indicating that the first financial institution device has been authenticated, payment account information and payment amount information of the recipient,
Second determination means for determining whether the authenticated information has been received and whether the received payment account information matches the payment account information stored in the second storage means;
Transaction processing means for performing payment processing of the payment request amount from the payment account based on the payment amount information from the recipient when the authenticated information is notified and it is determined that the information matches the payment account information; Have
A payment processing system characterized by that. A first financial institution device for managing payee account information opened by the payee, a payer account information set by the payer, and a pay account information for receiving the money paid by the payee. A financial institution apparatus and an operation terminal operated by the recipient, and each of the apparatus and the terminal is configured to be able to communicate with each other,
The first financial institution apparatus is
First storage means for storing the recipient account information including the account number of the recipient account and authentication information in association with the payment account information;
First receiving means for receiving the account number and authentication information of the recipient account from the operation terminal;
First discriminating means for discriminating whether or not the received account number and authentication information of the payee account matches the payee account information stored in the first storage means;
If the authentication information matches, the payment account information stored in the first storage means in association with the recipient account information is extracted for the second financial institution device, and the extracted payment account information A transmitting means for transmitting the authenticated information and the payment amount information,
The second financial institution apparatus is
Second storage means for storing the payer account information and payment account information;
Authenticated information indicating that authentication has been performed by the first financial institution apparatus; and second receiving means for receiving payment account information and payment amount information input by the recipient;
Second determination means for determining whether or not the authenticated information has been notified, and whether or not the received payment account information matches the payment account information stored in the second storage means;
Transaction processing means for performing payment processing of the payment request amount from the payment account based on the payment amount information from the recipient when the authenticated information is notified and it is determined that the information matches the payment account information; Have
A payment processing system characterized by that. Account information for receiving money paid by the recipient is a payment account information for dividing a part of the storage area of the payer account and making payment to the recipient.
The payment processing system according to claim 1. Having first storage means for storing recipient account information including the account number of the recipient account and authentication information, receiving the account number and authentication information of the recipient account from an operation terminal operated by the recipient; Via communication with the first financial institution device for determining whether the received account number and authentication information of the recipient account matches the recipient account number and authentication information stored in the first storage means. Connected devices,
Second storage means for storing the payer account information and payment account information for receiving money paid by the payee;
Authenticated information indicating that authentication has been performed by the first financial institution apparatus; and second receiving means for receiving payment account information and payment amount information transmitted from the operation terminal;
Second determination means for determining whether or not the authenticated information has been notified, and whether or not the received payment account information matches the payment account information stored in the second storage means;
Transaction processing means for performing payment processing of the payment request amount from the payment account based on the payment amount information from the recipient when the authenticated information is notified and it is determined that the information matches the payment account information;
A financial institution apparatus comprising: Having first storage means for storing recipient account information including the account number of the recipient account and authentication information, receiving the account number and authentication information of the recipient account from the operation terminal operated by the recipient; A first financial institution device that determines whether the received account number and authentication information of the recipient account matches the recipient account information stored in the first storage means;
Authenticated that has second storage means for storing the payer account information and payment account information for the recipient to receive paid money and has been authenticated by the first financial institution apparatus Information and the payment account information and payment amount information of the recipient, the authenticated information is notified, and if it is determined that it matches the payment account information, based on the payment amount information from the recipient A device configured to be connectable via communication with a second financial institution device that performs payment processing of a payment request amount from a payment account,
Third storage means for storing the account information of the recipient account and the payment account information in association with each other;
Receiving means for receiving the account number of the recipient account transmitted from the operation terminal, authentication information and payment amount information for requesting payment;
Authentication request means for transmitting the received payee account number and authentication information to the first financial institution apparatus to make an authentication request;
When the authentication result by the first financial institution apparatus is appropriate, the payment information stored in association with the recipient account is extracted with reference to the third storage means, and the extracted payment By transmitting to the second financial institution device managing the account authenticated information indicating that authentication has been completed by the first financial institution device, extracted payment account information, and payment amount information, A transmission means for performing payment processing from a payment account;
A settlement bank apparatus characterized by comprising: Recipient account having first storage means for storing recipient account information including the account number and authentication information of the recipient account, and receiving the received account number and authentication information of the recipient account A first financial institution device for determining whether or not the account number and authentication information of the first account matches the recipient account information stored in the first storage means;
Authentication having second storage means for storing the payer account information and payment account information for receiving money paid by the recipient, and indicating that authentication has been performed by the first financial institution apparatus Payment information and payment amount information of the recipient, the authenticated information is notified, and if it is determined that the payment account information is met, based on the payment amount information from the recipient A transaction processing apparatus configured to be connectable via communication with a second financial institution apparatus that performs payment processing of a payment request amount from a payment account,
Input means for receiving input of a recipient account number, authentication information of the recipient account, payment account information, and payment amount information from the recipient;
An authentication requesting means for transmitting the input recipient account number and authentication information of the recipient account to the first financial institution device to make an authentication request for the recipient account;
When receiving a notification that the recipient account information is correct from the first financial institution apparatus, the authenticated account, the input payment account information and the payment amount information are managed in the payment account. Transmitting means for transmitting to the financial institution apparatus of 2;
An output means for receiving a payment processing result notification from the second financial institution apparatus and outputting payment processing result information;
An operation terminal comprising: The first storage means for storing the recipient account information including the account number of the recipient account and the authentication information, and receiving and receiving the account number and the authentication information of the recipient account from the terminal operated by the recipient A first financial institution device for determining whether the account number and authentication information of the payee account matches the payee account information stored in the first storage means, the payer account information, , Having second storage means for storing payment account information for receiving money paid by the recipient, authenticated information indicating that the first financial institution device has been authenticated, and the receipt The payment account information and payment amount information of the receiver, and when the authenticated information is notified and it is determined that the payment account information is matched, the payment account information is received from the payment account based on the payment amount information from the recipient. Payment of requested amount A second financial institution device that performs processing, and third storage means for storing the account information of the recipient account and the payment account information in association with each other, and the account number of the recipient account, authentication information, and payment The requested payment amount information is received, and the received recipient account number and authentication information are transmitted to the first financial institution apparatus to make an authentication request, and the authentication result by the first financial institution apparatus is appropriate. In this case, referring to the third storage means, the payment account information stored in association with the recipient account is extracted, and the second financial institution apparatus managing the extracted payment account A transaction processing device configured to be connectable via communication with an intermediate processing device that transmits authenticated information indicating that authentication has been completed by the first financial institution device, extracted payment account information, and payment amount information. Because
Input means for receiving input of a recipient account number, authentication information of the recipient account, payment account information, and payment amount information from the recipient;
An authentication request for transmitting the input recipient account number and authentication information of the recipient account to the settlement bank device and requesting the recipient account authentication request to the first financial institution device via the settlement bank device. Means,
When receiving a notification that the recipient account information is correct from the settlement bank device, the second financial information managing the payment account is used for the authenticated information and the input payment account information and payment amount information. Transmitting means for transmitting to the engine device;
An output means for receiving a payment processing result notification from the second financial institution apparatus and outputting payment processing result information;
An operation terminal comprising: First financial institution apparatus having first storage means for storing payer account information including account number and authentication information of payee account opened by payee, payer account information and payee opened by payer Is a method performed by a second financial institution apparatus having a second storage means for storing account information for receiving money paid by an operation terminal input by the recipient,
The first financial institution apparatus is
Processing for receiving account information and authentication information of the recipient account from the operation terminal;
A process for determining whether the received account information and authentication information of the recipient account matches the recipient account information and authentication information stored in the first storage means;
The process of transmitting the determination result to the operation terminal is performed,
The second financial institution apparatus is
Processing for receiving authenticated information indicating that authentication has been performed by the first financial institution apparatus, and payment account information and payment amount information input by the recipient;
Processing for determining whether or not the authenticated information has been notified and whether or not the received payment account information matches the payment account information stored in the second storage means;
Processing for performing payment processing of the payment request amount from the payment account based on the payment amount information input by the recipient from the operation terminal when it is determined that the authenticated information is received and the payment account information is matched. Do,
The payment processing method characterized by the above-mentioned. First financial institution apparatus having first storage means for storing payer account information including account number and authentication information of payee account opened by payee, payer account information and payee opened by payer The second financial institution device having the second storage means for storing the account information for receiving the money paid, the operation terminal input by the recipient, and the payment processing information from the operation terminal A method performed by an intermediate processing device having third storage means for storing the account information of the recipient account and the payment account information in association with each other,
The first financial institution apparatus is
A process of receiving the account number and authentication information of the recipient account input via the operation terminal;
A process for determining whether the received account number and authentication information of the recipient account matches the recipient account number and authentication information stored in the first storage means;
The process of transmitting the determination result to the operation terminal or the intermediate processing device,
The intermediate processing device is
When the authentication result by the first financial institution apparatus is appropriate, referring to the third storage means, a process of extracting payment account information stored in association with the recipient account;
Authenticated information indicating that authentication has been completed by the first financial institution device, extracted payment account information, and payment amount information are transmitted to the second financial institution device managing the extracted payment account. Processing and
The second financial institution apparatus is
A process of receiving, from the intermediate processing device, authenticated information indicating that the first financial institution device has been authenticated, payment account information and payment amount information of the recipient,
Processing for determining whether or not the authenticated information has been notified and whether or not the received payment account information matches the payment account information stored in the second storage means;
When the authenticated information is notified and it is determined that the information matches the payment account information, the payment request amount is paid from the payment account based on the payment amount information from the recipient.
The payment processing method characterized by the above-mentioned. Recipient account information including the account number and authentication information of the recipient account opened by the recipient and the payment account information provided in the second financial institution for receiving the money paid by the recipient are stored in association with each other. A first financial institution apparatus having first storage means;
Second storage means for storing payer account information of the payer and payment account information for receiving the money paid by the payee, payer account information opened by the payer, and money paid by the payee The method is performed by a second financial institution device that manages payment account information for receiving and an operation terminal operated by the recipient,
The first financial institution apparatus is
Processing for receiving the account number and authentication information of the recipient account from the operation terminal;
A first process for determining whether or not the received account number and authentication information of the recipient account matches the recipient account number and authentication information stored in the first storage means;
If the authentication information matches, the payment account information stored in the first storage means in association with the recipient account information is extracted from the second financial institution device, and the extracted payment account information , Process to send the authenticated information and payment amount information,
The second financial institution apparatus is
Processing for receiving authenticated information indicating that authentication has been performed by the first financial institution apparatus, and payment account information and payment amount information input by the recipient;
Processing for determining whether or not the authenticated information has been notified and whether or not the received payment account information matches the payment account information stored in the second storage means;
When the authenticated information is notified and it is determined that the information matches the payment account information, the payment request amount is paid from the payment account based on the payment amount information from the recipient.
The payment processing method characterized by the above-mentioned. Having first storage means for storing recipient account information including the account number of the recipient account and authentication information, receiving the account number and authentication information of the recipient account from an operation terminal operated by the recipient; Via communication with the first financial institution device for determining whether the received account number and authentication information of the recipient account matches the recipient account number and authentication information stored in the first storage means. A method performed by a connected computer device,
The computer device is
A second storage means for storing the payer account information and payment account information for receiving money paid by the payee;
Processing for receiving authenticated information indicating that authentication has been performed by the first financial institution apparatus, and payment account information and payment amount information transmitted from the operation terminal;
Processing for determining whether or not the authenticated information has been notified and whether or not the received payment account information matches the payment account information stored in the second storage means;
A process of paying a payment request amount from a payment account based on the payment amount information from the recipient when the authenticated information is notified and it is determined that the information matches the payment account information;
A payment processing method. A first financial institution apparatus that has recipient account information and performs authentication processing of recipient account information in response to an authentication request, payer account information, and payment account information for receiving money paid by the recipient And having received the authenticated information indicating that the first financial institution device has been authenticated, the payment account information and the payment amount information of the recipient, the authenticated information is notified, and the payment account When it is determined that the information matches the information, the second financial institution apparatus that performs payment processing of the payment request amount from the payment account based on the payment amount information from the recipient is configured to be connectable via communication. A method performed by a computer device, comprising:
The computer device is
Third storage means for storing the account information of the recipient account and the payment account information in association with each other;
Processing for receiving the account number of the recipient account transmitted from the operation terminal, authentication information, and payment amount information for requesting payment;
A process of transmitting the received recipient account number and authentication information to the first financial institution apparatus to make an authentication request;
When the authentication result by the first financial institution apparatus is appropriate, the payment information stored in association with the recipient account is extracted with reference to the third storage means, and the extracted payment By transmitting to the second financial institution device managing the account authenticated information indicating that authentication has been completed by the first financial institution device, extracted payment account information, and payment amount information, Processing to perform payment processing from the payment account;
A payment method characterized by performing. A first financial institution device having recipient account information and authenticating recipient account information;
The payer account information, the payee account information for receiving money paid by the payee, and authenticated information indicating that the payee has been authenticated by the first financial institution device; When payment account information and payment amount information are received, authenticated information is notified, and it is determined that the payment account information matches, payment request amount from payment account based on payment amount information from above recipient A device executed by a second financial institution device that performs the payment process of the computer, and a computer device configured to be connectable via communication,
A process of accepting input of a recipient account number, authentication information of the recipient account, payment account information, and payment amount information from the recipient;
A process of transmitting the input recipient account number and authentication information of the recipient account to the first financial institution device to request an authentication of the recipient account;
When receiving a notification that the recipient account information is correct from the first financial institution apparatus, the authenticated account, the input payment account information and the payment amount information are managed in the payment account. Processing to transmit to the financial institution apparatus of 2;
Receiving a payment processing result notification from the second financial institution apparatus and outputting payment processing result information;
A payment processing method. A first financial institution apparatus having recipient account information and performing authentication processing of the received recipient account information, and a payment account for receiving the payer account information of the payer and money paid by the payee Receiving the authenticated information indicating that the information has been authenticated by the first financial institution apparatus, the payment account information and the payment amount information of the recipient, the notified information is notified, and the payment A second financial institution apparatus that performs payment processing of the payment request amount from the payment account based on the payment amount information from the recipient when it is determined that the account information is matched;
The account information of the payee account and the payment account information are stored in association with each other, the received payee account number and authentication information are transmitted to the first financial institution apparatus, an authentication request is made, and the first financial If the authentication result by the institution apparatus is appropriate, the payment account information stored in association with the recipient account is extracted, and the second financial institution apparatus managing the extracted payment account An authentication processing information indicating that the authentication has been completed by the first financial institution device, an intermediate processing device that transmits the extracted payment account information and payment amount information, and a computer device configured to be connectable via communication. It is a method,
A process of accepting input of a recipient account number, authentication information of the recipient account, payment account information, and payment amount information from the recipient;
A process of transmitting the input recipient account number and authentication information of the recipient account to the settlement bank device, and requesting the recipient account authentication request to the first financial institution device via the settlement bank device; ,
A second financial institution that manages the payment account with this authenticated information and the input payment account information and payment amount information when receiving a notification that the recipient account information is correct from the settlement bank device Processing to send to the device;
Receiving a payment processing result notification from the second financial institution apparatus and outputting payment processing result information;
A payment processing method. A first financial institution apparatus that has recipient account information and performs authentication processing of recipient account information in response to an authentication request, payer account information, and payment account information for receiving money paid by the recipient And having received the authenticated information indicating that the first financial institution device has been authenticated, the payment account information and the payment amount information of the recipient, the authenticated information is notified, and the payment account When it is determined that the information matches the information, the second financial institution apparatus that performs payment processing of the payment request amount from the payment account based on the payment amount information from the recipient is configured to be connectable via communication. A computer program for causing a computer having third storage means for storing the account information of the payee account and the payment account information in association with each other to function as a settlement bank device,
For the above computer
Processing for receiving the account number of the recipient account transmitted from the operation terminal, authentication information, and payment amount information for requesting payment;
A process of transmitting the received recipient account number and authentication information to the first financial institution apparatus to make an authentication request;
When the authentication result by the first financial institution apparatus is appropriate, the payment information stored in association with the recipient account is extracted with reference to the third storage means, and the extracted payment By transmitting to the second financial institution device managing the account authenticated information indicating that authentication has been completed by the first financial institution device, extracted payment account information, and payment amount information, Processing to perform payment processing from the payment account;
A computer program that executes A first financial institution device having recipient account information and authenticating recipient account information;
The payer account information, the payee account information for receiving money paid by the payee, and authenticated information indicating that the payee has been authenticated by the first financial institution device; When payment account information and payment amount information are received, authenticated information is notified, and it is determined that the payment account information matches, payment request amount from payment account based on payment amount information from above recipient A computer program for causing a second financial institution apparatus that performs the payment processing of the computer and a computer configured to be connectable via communication to function as an operation terminal,
For the above computer
A process of accepting input of a recipient account number, authentication information of the recipient account, payment account information, and payment amount information from the recipient;
A process of transmitting the input recipient account number and authentication information of the recipient account to the first financial institution device to request an authentication of the recipient account;
When receiving a notification that the recipient account information is correct from the first financial institution apparatus, the authenticated account, the input payment account information and the payment amount information are managed in the payment account. Processing to transmit to the financial institution apparatus of 2;
Receiving a payment processing result notification from the second financial institution apparatus and outputting payment processing result information;
A computer program that executes A first financial institution apparatus having recipient account information and performing authentication processing of the received recipient account information, and a payment account for receiving the payer account information of the payer and money paid by the payee Receiving the authenticated information indicating that the information has been authenticated by the first financial institution apparatus, the payment account information and the payment amount information of the recipient, the notified information is notified, and the payment A second financial institution apparatus that performs payment processing of the payment request amount from the payment account based on the payment amount information from the recipient when it is determined that the account information is matched;
The account information of the payee account and the payment account information are stored in association with each other, the received payee account number and authentication information are transmitted to the first financial institution apparatus, an authentication request is made, and the first financial If the authentication result by the institution apparatus is appropriate, the payment account information stored in association with the recipient account is extracted, and the second financial institution apparatus managing the extracted payment account A computer configured to be connectable via communication with an intermediate processing device that transmits authenticated information indicating completion of authentication by the first financial institution device, extracted payment account information and payment amount information, A computer program for functioning as an operation terminal operated by a person,
For the above computer
A process of accepting input of a recipient account number, authentication information of the recipient account, payment account information, and payment amount information from the recipient;
A process of transmitting the input recipient account number and authentication information of the recipient account to the settlement bank device, and requesting the recipient account authentication request to the first financial institution device via the settlement bank device; ,
A second financial institution that manages the payment account with this authenticated information and the input payment account information and payment amount information when receiving a notification that the recipient account information is correct from the settlement bank device Processing to send to the device;
Receiving a payment processing result notification from the second financial institution apparatus and outputting payment processing result information;
A computer program that executes

Images