JP2008310528A - Trade settlement support system and method for financial institution - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To improve transaction safety of both of a buyer and a seller, and to allow a financial institution to rapidly perform settlement processing. <P>SOLUTION: In this trade settlement support system, the buyer side creates one temporary restraint bank account according with a transaction money amount in a frozen state at a time point when a trade transaction of a commodity or service is concluded, it is set to an opening state allowing money payment by receiving transaction authentication transmitted by both of the buyer and the seller in time of trade transaction completion to release the frozen state of the temporary restraint bank account, and the temporary restraint bank account maintains the frozen state just before completion from a start of a settlement procedure of the trade transaction. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to a transaction settlement support system of a financial institution that supports a transaction transaction in which goods or services are performed between the buyer and the seller via the Internet or the like.

  In recent years, online shopping sites and auction sites using the Internet have made tremendous development as new distribution. For example, in an internet auction, when a seller sells a photograph or description of a product to be bought and sold in a virtual store established on the Internet, the buyer gives a price to the listed product, and the so-called auction The final price is determined by the deadline while the price increases based on the format.

  The buying and selling method at that time is carried out by merchandise exchange, with the buyer paying the money first, confirming it and then shipping the merchandise or paying with the cash on delivery service of the freighter. In rare cases, the product may be shipped first.

  However, in such Internet auctions and sales transactions on ordinary mail-order sites, scams and counterfeit products are frequently generated not only in Japan but also worldwide, which has become a social problem. That is, many problems occur such as products that are different from the display on the seller side are shipped to the buyer side, the seller side cannot go out of shipment due to bankruptcy, etc., and a fraudulent fraud on the buyer side is performed.

  In particular, when a credit card is used for transaction settlement, payment is made only by entering a card number, a card expiration date, and a name.

Various proposals have been made to improve the safety of sales transactions using credit cards, escrow services, etc. to deal with such problems, but a system that can be processed safely and quickly Has not yet been proposed. In particular, there is no system that can safely and promptly support purchase and settlement in a financial institution where an account that is the basis of a sale transaction is opened.
JP 2007-34976 A Japanese Patent No. 3835542

  In order to solve the above problems, an object of the present invention is to provide a financial institution sales settlement settlement support system that enables safe and quick sales transactions in financial institutions.

  In order to achieve the above object, in the present invention, an item management server that manages at least deposits and withdrawals in a non-binding deposit account opened in a financial institution by a buyer, a product between the buyer and the seller, A transaction settlement support system of a financial institution that supports a settlement procedure related to a transaction transaction of a service, wherein the account management server accepts a settlement application from the buyer and has one binding property for each transaction transaction. A temporary restricted deposit account creation means for setting a linked account to be associated with the non-restricted deposit account, and a transaction transaction for accepting a settlement application from the non-restricted deposit account to the temporary restricted deposit account. Temporary restraint amount account transfer means to transfer the amount that matches the transaction amount and one temporary that matches the transaction amount of that one sales transaction Temporary restricted deposit account fixing means for setting a bundled deposit account in a frozen state where deposits and withdrawals are impossible, and accepting transaction authentication transmitted by both the buyer and seller, and releasing the frozen state of the temporarily restricted deposit account And a temporary restraint account releasing means for setting an open state in which withdrawal can be made.

  According to the present invention having such a configuration, when a sale transaction of goods or services is established, a temporary restricted deposit account that matches the transaction amount is first created by the buyer in a frozen state, Based on this, the seller side can safely ship the goods or services. In other words, in settlement due to the occurrence of a sales transaction, the buyer first creates a temporary restricted deposit account in a financial institution corresponding to the amount of payment, and makes the temporary restricted deposit account the seller. The settlement procedure is started as a security collateral against the company, and even if any commercial trouble occurs between transactions during the subsequent settlement procedure, the compensation collateral for the restrained temporary restraint account will be provided in accordance with the content determined by the final agreement of both parties. By adopting a method in which both sides approve and release the lock on the restraint, the amount of money resolved by the seller and the buyer will be transferred in full yen.

  In addition, since the buyer side releases the frozen state of the temporary constrained deposit account after receiving the goods or services sent by the seller side, it is possible to reliably receive the goods or services.

  Further, until the seller side authenticates the transaction and the funds are transferred from the temporary constrained deposit account, the temporary constrained account cannot be destroyed without permission by the buyer. Therefore, according to the transaction settlement support system of the financial institution according to the present invention, the safety of the transaction is improved for both the seller and the buyer.

  At this time, the temporary restricted deposit account creation means in the present invention has a function of generating and notifying different sellers and buyers of different passwords when creating a temporary restricted deposit account.

  According to the present invention having such a configuration, the temporary restricted deposit account cannot be operated by the will of only one of the seller and the buyer, and the safety of the temporary restricted deposit account is ensured.

  Furthermore, the temporary restricted deposit account releasing means in the present invention can have a function of releasing the frozen state of the temporarily restricted deposit account when a preset settlement processing time limit has passed.

  According to the present invention having such a configuration, even if the buyer side does not authenticate the transaction due to negligence or intentionally, the seller side authenticates the transaction after the expiration of the settlement processing time, and thereby the temporary restricted deposit account As a result, it is possible to secure transaction safety on the seller side at the final stage of the sales transaction.

  As described above, the present invention keeps the temporary restricted deposit account in a frozen state from the start to the end of the settlement procedure of the sales transaction, thus improving the transaction safety of both the buyer and the seller, Payment processing can be quickly performed by a financial institution.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.
FIG. 1 is a diagram showing a network configuration according to an embodiment of the present invention. A trading settlement support system 1 indicated by reference numeral 1 in the figure is installed in a financial institution represented by a bank or the like, and is a trading support website established by the financial institution 2 (not shown). It is installed so that it can connect to the user 5 comprised from the seller 5a and the buyer 5b, and the broker 7 such as an auction site or a mail order site. At this time, a part of the functions of the transaction settlement support system 1 can be provided in the account system 3 or the information system 4, or the transaction settlement support system 1 can be configured by the account system 3 or the information system 4. Note that illustration and description of well-known system configurations such as front-end servers, gateway servers, Web servers, firewalls, and ISPs are omitted.

  The system of the trading support website including the trading settlement support system 1 described above is installed at the homes of sellers (exhibitors) 5a and buyers (bidders) 5b who constitute users 5 of the net auction via a network such as the Internet. Can be connected to the payment information transmission device 8 of the operation system installed in the operation terminal 6 such as a PC or a mobile phone with a web browser function, and a plurality of brokers 7 that host and operate a network auction site or mail order site. It is configured.

  In order to simplify the explanation, the following description will be given of a case where a sales transaction in an online auction is supported. Note that the buyer (bidder) 5b in the online auction becomes a successful bidder after the end of the auction period, but is hereinafter collectively referred to as a buyer (bidder) 5b for convenience of explanation. The seller (exhibitor) 5a and the buyer (bidder) 5b are relative concepts, and all users can be either the seller (exhibitor) 5a or the buyer (bidder) 5b.

  That is, the financial institution 2 such as a bank, for example, as a part of the net banking service, the seller (exhibitor) 5a and the buyer (the buyer (the seller) 5a who constitutes the user 5 who uses the online auction buying and selling support service according to this embodiment on the Internet Bidding support websites for providing to bidders 5b are opened and operated, and contracts for sales support are concluded between these users 5 and each brokerage company 7. Further, the seller (exhibitor) 5a and the buyer (bidder) 5b constituting the user 5 select a plurality of brokers 7 who are considered to have participated in the online auction, and the operation system of these brokers 7 Information necessary for connection to the settlement information transmitting apparatus 8 (login information such as user ID and password, bibliographic items, etc.) is registered in advance in the above-described trading support website.

  A seller (exhibitor) 5a and a buyer (bidder) 5b constituting the user 5 log in to the trading support website of the financial institution 2 via the network using the communication function of the operation terminal 6 and browser software described above. By doing so, products and services (hereinafter collectively referred to as “products, etc.”) can be exhibited and bid for the settlement information transmitting device 8 of the operation system of the brokerage company 7, and the exhibition / bid information can be sent to the operation terminal. 6 can be displayed as a list.

  As described above, the system constituting the trading support website including the trading settlement support system 1 according to the present embodiment includes a buyer (bidder) 5b and a seller (a bidder) 5b constituting the user 5 by a financial institution 2 represented by a bank or the like. Constructed to provide a service that supports trading transactions of goods etc. with the exhibitor) 5a, and is composed of a single or a plurality of general-purpose or dedicated computer systems provided in the financial institution 2, It is connected to the existing accounting system 3 and information system 4 via a dedicated line in the row. Financial transactions at that time include deposits and withdrawals such as cash or deposits, transfers, transfers, and remittances.

  The transaction settlement support system 1 that constitutes this transaction support website supports the settlement procedure of merchandise and other transactions between the buyer (bidder) 5b and the seller (exhibitor) 5a in a safe and prompt manner. A well-known account management server (not shown) that manages at least deposits and withdrawals in a non-binding savings account or checking account opened as a trading support general account in the financial institution 2 by the buyer (bidder) 5b. (Omitted). In addition, the account management server is linked with a normal management function unit to create a one-time restricted deposit account creation unit (temporary restricted deposit account creation means) 11 and a one-time restricted deposit account transfer unit (temporary restricted amount). Account transfer means) 12, one-time restricted deposit account fixing unit (temporary restricted deposit account fixing means) 13, one-time restricted deposit account releasing unit (temporary restricted deposit account releasing means) 14, and one-time restricted deposit final A processing unit (temporary restraint deposit final processing means) 15 is provided, and an external notification communication control function unit 16 is provided for exchanging each piece of information with the trading settlement support system 1.

  The detailed configuration of the transaction settlement support system 1 will be described later. For example, the transaction settlement support system 1 is constructed as a computer system of the financial institution 2 as shown in FIG. In such a computer system, a RAM 21, a ROM 24, an HDD (storage device) 25, and an input / output interface (I / F) 26 are connected to a CPU 21 built in the computer system via a system bus 22. The input / output I / F 16 includes an output unit 27 such as a CRT display, an input unit 28 such as a keyboard and a mouse, a communication unit 29 such as a modem, and a removable recording medium 20 such as a flexible disk, CD-ROM, and DVD-ROM. Drive drives 20a are connected to each other. The software program that realizes the functions of the transaction settlement support system 1 in this embodiment is installed in the storage device such as the HDD 25 or the ROM 24 described above, but can also be installed from the removable recording medium 20.

  In other words, the storage devices 24 and 25 store the respective units constituting the above-described sales settlement support system 1, and more specifically, for example, as shown in FIG. 3, a user information storage unit M1, an account information storage unit M2, a transaction information storage unit M3, a transaction history information storage unit M4, and a program storage unit 31 are stored. Each of the storage units M1 to M4 is stored in a certain area secured in the storage devices 24 and 25, and the above-described mediation is performed via the information input / calculated by each function or the communication unit 29. Information acquired from an external organization such as the settlement information transmitting device 8 of the operating system in the business operator 7 is described or updated as needed.

  Among these functional units, the user information storage unit M1 stores the user information of the auction acquired via the network from the operation terminal 6 of the user 5 or the payment information transmitting device 8 of the operation system described above as the user ID. It is stored in association with. The user information of the auction includes, for example, a network where sellers (exhibitors) 5a (exhibitors) 5a and buyers (bidders) 5b (bidders) 5b constituting the users 5 have exhibited and bid for products etc. Auction transaction ID, product name, bid deadline date, minimum bid unit, number of bids, latest highest bid, transaction evaluated flag, and the like are included.

  Further, in the user information storage unit M1, a settlement information transmitting device 8 of a plurality of operation systems in which sellers (exhibitors) 5a and buyers (bidders) 5b constituting the users 5 exhibit and bid for products etc. Information necessary for logging in to the user (user name, password, etc.), net auction information registered by each user 5 as a member, and user 5 necessary for generating successful bid mail and reply mail described later The bibliographic items (product shipping address, name, telephone number, e-mail address, etc.) are stored in association with the information of the user 5. These pieces of information are acquired from sellers (exhibitors) 5a and buyers (bidders) 5b that constitute the user 5 at the time of applying for an auction aggregation contract, or possessed by the brokerage business operator 7 that operates the financial institution 2 or the auction. Collect necessary information from the customer master file as needed. The customer master file of the financial institution 2 may be used as it is. In the present embodiment, the same information (name (company name), address, e-mail address, etc.) as the user 5 is registered for the brokerage business operator 7 except for login information and the like.

  The account information storage unit M2 stores information on the bank account (branch name, account number, account name, etc.) of the user 5 who settles the winning bid amount of the product and the like, and deposit balance information. These pieces of information are obtained by mirroring only the necessary information from the accounting system 3 on a daily basis or by accessing the accounting system 3 when necessary.

  The transaction information storage unit M3 includes information on a successful bid message transmitted via the network to the operation terminal 6 of the buyer (bidder) 5b for whom the seller (exhibitor) 5a has made a successful bid for the product, etc., and the buyer (bidder) 5b The information of the reply message transmitted via the network to the operation terminal 6 of the seller (exhibitor) 5a such as a successful bid product is associated with the information of the seller (exhibitor) 5a or the buyer (bidder) 5b in advance. It is something to remember. This eliminates the trouble of generating and transmitting almost the same contents of e-mails to a plurality of destinations when a large number of products are exhibited / successful at the same time, thus improving the convenience of the auction. Here, the successful bid message information includes bibliographic items of sellers (exhibitors) 5a registered in the user information storage unit 25 and payment methods (such as bank account information) for goods. Also, the information of the reply message includes the bibliographic information of the buyer (bidder) 5b and information on the destination of the product. Each message includes information such as standard greetings, disclaimers, and shipping costs.

  Further, the transaction history information storage unit M4, after completing the payment or shipping of the price of the product or the like, the seller (exhibitor) requested by the buyer (bidder) 5b from the settlement information transmitting device 8 of each operation system. The information indicating the transaction state of the buyer 5a is stored in advance in association with the identification information of the buyer (bidder) 5b.

  On the other hand, the program storage unit 31 is installed with a software program for realizing each function of the above-described transaction settlement support system 1. Each functional unit described later is an independent software program or a subroutine thereof. When the operator of the financial institution 2 operates the input unit 28 to input various commands (commands), this software program is loaded onto the RAM 23 by the CPU 21 and executed, and in cooperation with the OS (operation system), appropriate software programs are executed. It comes to play a function.

  In other words, as described above, the software program for realizing each function of the transaction settlement support system 1 is a non-binding savings account or a checking account opened in the financial institution 2 by the buyer (bidder) 5b. It constitutes at least a well-known account management server (not shown) for managing deposits and withdrawals. As described above, the software program constituting the account management server includes a one-time restricted deposit account creation unit (temporarily restricted Deposit account creation means) 11, one-time restricted money account transfer unit (temporary restricted money account transfer means) 12, one-time restricted money account fixing part (temporary restricted money account fixing means) 13, and one-time restricted money deposit Account cancellation unit (temporary restricted deposit account cancellation means) 14 and one-time restricted deposit final processing unit (temporary restricted amount final processing means) And 5, are provided. A detailed configuration of each of these functional units 11 to 15 will be described with reference to FIG.

  First, as shown in FIG. 3, the one-time restricted account creation unit 11 has a one-time account opening application acceptance unit 32 that receives information through the operation terminal 6 of the buyer 5b described above. The one-time account opening application receiving unit 32 receives settlement application information for opening a one-time account issued from the buyer 5b after the sales transaction is established.

  The one-time restricted deposit account creation unit 11 includes an account user information collection unit 33 that collects user information of an auction related to the application from the above-described user information storage unit M1, and the above-described transaction information storage unit M3. The transaction information collecting unit 34 that collects transaction information related to the application from the bank account, and the account information storage unit M2 to search the account information storage unit M2 for the upper limit of the ordinary deposit that is a non-binding deposit established by the buyer (bidder) 5b And a balance reference unit 35.

  In addition, the one-time restricted deposit account creation unit 11 is configured when the transaction transaction for the settlement application is appropriate and the transaction amount is within the upper limit of the unrestricted ordinary deposit of the buyer (bidder) 5b. An account creation generation unit 36 for creating a one-time restricted deposit account, which will be described later, is provided. Then, the transaction ID and password associated with the one-time restricted deposit account created in the account creation generation unit 36 are separately generated as different for each of the seller (exhibitor) 5a and the buyer (bidder) 5b. Has the function. That is, the one-time restricted deposit account created here is one in which funds are not transferred in one transaction authentication of the buyer (bidder) 5b and the seller (exhibitor) 5a, as will be described later. It is created as a restricted account where funds are transferred when the transaction authentication is completed.

  Furthermore, as described above, the one-time restricted account creation unit 11 uses transaction IDs and passwords created differently for each of the seller (exhibitor) 5a and the buyer (bidder) 5b. An encryption notification unit 37 for notifying the person 5 is provided.

  On the other hand, the one-time restricted amount account transfer unit (temporary restricted amount account transfer means) 12 is provided with an inter-account transfer unit 38 that performs account transfer between a non-binding ordinary deposit and a one-time restricted account. In addition, it has a function of transferring funds when a settlement application for sales transactions is accepted and by executing settlement.

  The one-time restricted deposit account fixing unit (temporary restricted deposit account fixing unit) 13 and the one-time restricted deposit account releasing unit (temporary restricted deposit account releasing unit) 14 described above include an account lock control unit 40 and a processing time limit control. The unit 41 and the processing time limit warning notification unit 42 are configured.

  Of these, the account lock control unit 40 functions as one of the one-time restricted deposit account fixing unit (temporary restricted deposit account fixing means) 13 and the one-time restricted deposit account release unit (temporary restricted deposit account releasing means) 14. When the account lock control unit 40 functions as the one-time restricted deposit account fixing unit 13 after the one-time restricted deposit account is created in the unconstrained savings account by the account creation generation unit 36 described above. It has a function of fixing the one-time restricted deposit account in a state where funds cannot be transferred. After the one-time restricted deposit account is fixed, if the transaction authentication of the buyer (bidder) 5b and the seller (exhibitor) 5a is not accepted, the funds are not transferred, and the buyer (bidder) Even when only one transaction authentication of 5b and seller (exhibitor) 5a is accepted, the one-time restricted deposit account is maintained in a frozen state.

  On the other hand, the account lock control unit 40 in the case of functioning as the one-time restricted deposit account releasing unit (temporary restricted deposit account releasing means) 14 is used by both the buyer (bidder) 5b and the seller (exhibitor) 5a. When the transaction authentication is accepted, it has a function of releasing the frozen state of the one-time restricted deposit account so that the funds can be transferred.

  Further, the processing time limit control unit 41 described above manages the processing time limit date concluded between the buyer (bidder) 5b and the seller (exhibitor) 5a, such as 10 days from the establishment date of the sales transaction. And a request command for releasing the frozen state of the one-time restricted deposit account is output to the one-time restricted deposit account releasing unit 13 when the processing expiration date has passed.

  Further, the processing deadline warning notifying unit 42, when the processing deadline date managed by the processing deadline control unit 41 approaches and reaches a predetermined date, the buyer (bidder) 5b and the seller (exhibitor) 5a. It has a function of transmitting information notifying that the processing deadline date is approaching.

  Further, the one-time restricted deposit final processing unit (temporary restricted amount final processing means) 15 includes a one-time restricted deposit withdrawal control unit 43 and a one-time restricted deposit account deletion processing unit 44. Of these, the one-time restricted deposit / withdrawal control unit 43 has a function of transferring funds from the one-time restricted deposit account whose frozen state has been released by the account lock control unit 40 to an account opened by the seller. Thus, payment to the seller is performed through the transferred account.

  The one-time restricted deposit account deletion processing unit 44 has a function of deleting the one-time restricted deposit account after the funds have been transferred to the seller as described above. The transaction is completed by deleting the history.

  Note that the above-described transmission / reception of each information via e-mail or the like is executed through the core system interface 45 or an open system interface (not shown).

  Next, in the auction site, for example, the processing operation by the purchase and settlement settlement support system 1 is concretely performed by taking as an example a case where a product A is sold at a price B between the seller (exhibitor) 5a side and the buyer (bidder) 5b side. Explained.

  First, as shown in FIG. 4, a successful bid is made at the auction site (step 1), and the buyer (bidder) 5b supports the transaction settlement of the auction site through the operation terminal 6 in order to start the settlement. Click the button provided on the financial institution 2 such as a bank or a website that collects the financial institutions 2 such as the bank (step 2). When a site that collects banks is not used, bank selection is not necessary if the user is registered on the auction site or if the bank is registered.

  Then, security such as SSL enters (transaction certificate authority is necessary for fraudulent site fraud), and access to the bank's transaction settlement support website. It should be noted that the auction site and the bank can be connected via an internet line. At this time, the auction site receives the purchase price, the product name, the date, the longest release date and time, the e-mail address of the seller, etc., to the trading settlement support system.

  When the buyer (bidder) 5b logs in with his / her account number / password on the trading settlement support website (steps 3 and 4), the settlement is made at the one-time account opening application accepting unit 32 of the one-time restricted deposit account creating unit 11. The application is accepted, and the balance of the ordinary deposit is collated by the ordinary deposit balance reference unit 35 with the purchase amount of the value delivered at that time, and the balance of the ordinary deposit is displayed together. When the one-time restricted deposit account settlement is selected when the balance of the ordinary deposit is within the transaction transaction amount, as shown in FIG. The funds are transferred from the current account, a unique transaction ID is issued to create a one-time restricted deposit account, and the transaction amount B is transferred to the created one-time restricted account (step 5). As shown in FIG. 5B, the one-time restricted deposit account created in this way is opened for each transaction.

  At the same time, the address and password of the one-time restricted account created in association with the transaction ID are different for the buyer (bidder) 5b and the seller (exhibitor) 5a. Issuance password) is generated separately (step 6), and different passwords are notified to the buyer (bidder) 5b and the seller (exhibitor) 5a together with the transaction ID. In this way, the password becomes a separate password that the buyer (bidder) 5b and the seller (exhibitor) 5a cannot know, and at the same time, the one-time restricted deposit account of the transaction amount B is frozen, and the funds are transferred. No one can do it. In other words, the temporary restricted deposit account cannot be operated by the will of only one of the seller and the buyer, so that the safety of the temporary restricted deposit account is ensured.

  In this way, the seller (exhibitor) 5a and the buyer (bidder) will receive information indicating that one one-time restricted deposit account corresponding to the transaction amount B in one sales transaction has been created in a frozen state and the transaction ID / password. ) When both of 5b are notified by e-mail or the like (step 7), the seller (exhibitor) 5a knows that the amount of the product A to be sold has been maintained at this point, so the product shipping procedure Is performed with confidence (step 8). Also, since the frozen state of the one-time restricted deposit account will not be released unless the product is shipped, it is not possible for a malicious seller (exhibitor) 5a to receive the product price first and not send the product. It becomes.

  On the other hand, when the buyer (bidder) 5b receives the product A (Step 9), the buyer (bidder) examines whether it is different from the contracted one, and if approved (Yes in Step 10), the one-time constraint created this time By accessing the deposit account with the transaction ID and the password on the buyer (bidder) 5b side to perform transaction authentication, the frozen state of the one-time restricted deposit account is half-released (step 11). That is, even when the frozen state of this one-time restricted deposit account is half-released, it is impossible to transfer funds for the one-time restricted deposit account, so the buyer (bidder) 5b cancels the one-time restricted account. It is not possible to conduct cheating like

  In this way, a notification that the one-time restricted deposit account has been semi-released is sent to the seller (exhibitor) 5a side, and the seller (exhibitor) 5a that has received the notification receives the seller ( The seller is accessed with the ID and password on the 5a side, and further the transaction authentication is performed, so that the frozen state of the one-time restricted deposit account is completely released (step 12). As a result, the binding deposit of the one-time restricted deposit account becomes unbound and the opening account on the seller (exhibitor) 5a side (if there is a transaction with this bank and the transfer account is designated in advance) (Step 13), and a desired amount can be withdrawn from the opening account on the seller (exhibitor) 5a side by a CD terminal such as a bank. It is impossible to transfer funds when the account is anonymous.

  When the transaction settlement is completed by transferring the funds to the seller (exhibitor) 5a, the one-time restricted deposit account described above is deleted with the history (step 13).

  On the other hand, in order to prevent a situation where the buyer (bidder) 5b has forgotten to release the one-time restricted deposit account forcibly even though the product A has been received, A settlement processing time limit (longest lock days) for maintaining the frozen state is set. That is, as shown in FIG. 6, when the buyer (bidder) 5 b receives the product A, the transaction authentication is not performed and the one-time restricted deposit account is not frozen. (No in Step 61) When the settlement processing time limit has passed (Yes in Step 62), after the settlement recommendation to the buyer (bidder) 5b is made (Steps 63 to 67), the seller (exhibitor) 5a side The one-time restricted deposit account is fully frozen with the password (step 68), thereby transferring funds to the savings account or the current account on the seller (exhibitor) 5a side (step 69). .

  If the buyer (bidder) 5b cannot receive the product A, as shown in FIG. 7, after making a recommendation to the seller (step 71), the settlement process described above is performed. After the expiration date (Yes in step 72), the frozen state of the buyer (bidder) 5b's one-time restricted account is automatically released (step 73), and the buyer (bidder) 5b side savings Funds will be transferred to the account or checking account (step 74).

  There is a sales contract consent amount input item on the freeze release screen of the one-time restricted deposit account. Usually, it is the amount at the time of purchase application, and when the freeze is released, the amount is processed. However, it is possible to enter an amount different from the purchase amount because there is a negotiation with the seller on the significance of the purchase side, such as when the product is different from the display in online shopping. Both buyers and sellers will be able to cancel the freezing for that amount. In this case, it cannot be high, and the difference is transferred to the buyer's account. On the other hand, it can also be used when there is a return on the buyer's side and there is damage to the product due to a check on the seller's side, and payment is made with the consent.

  On the auction site, there is no operating cost for opening new stores or making payments, reducing management costs. Also, the person who runs the sales site does not need to create and operate a payment system, so individual sales are possible.

As described above, in the present embodiment, in the settlement due to the occurrence of a sales transaction, first, the buyer 5b creates a temporary restricted deposit account in the financial institution 2 corresponding to the settlement amount that cannot be withdrawn to the buyer 5b itself. However, the settlement procedure is started with the temporary restricted deposit account as the security collateral for the seller 5a, and even if any commercial trouble occurs between transactions during the subsequent settlement procedure, it will be bound according to the contents determined by the final agreement of both parties. By adopting a system in which both sides approve the compensation collateral deposit in the temporary restricted deposit account and release the frozen state of the restriction, the amount of money settled for each of the seller 5a and the buyer 5b is transferred safely and quickly. .

  Next, in addition to the first embodiment described above, an embodiment in the case of depositing into a one-time restricted deposit account using a credit card or the like will be described.

  That is, in the second embodiment according to FIG. 8 in which the same reference numerals are assigned to the same components as those in the first embodiment described above, the transaction settlement installed in the financial institution 2 represented by a bank or the like. For the support system 100, there are a payment credit inquiry device 101a and a payment transmission device 101b of a card credit sales company 101, a payment credit inquiry device 102a and a payment transmission device 102b of another bank 102, and an ATM 102c as a terminal of each bank 102, It is connected via a dedicated line or general line.

  In addition, the transaction settlement support system 100 installed in the financial institution 2 includes a deposit search / delivery management device 103a, a settlement transmission device 103b, and a received money transfer device 103c installed in an intermediary company 103 such as a convenience store. Connected through. In addition, a settlement transmission device 104a and a received money transfer device 104b of a courier company 104 that cooperates with an intermediary company 103 such as a convenience store are also connected via the Internet.

  On the other hand, as shown in FIG. 9, the transaction settlement support system 100 according to the second embodiment is also similar to the one-time restricted deposit account creation unit (temporary restricted deposit account creation as described above). Means) 11, a one-time restricted deposit account fixing unit (temporary restricted deposit account fixing means) 12, a one-time restricted deposit account releasing unit (temporary restricted deposit account releasing means) 13, and an external notification communication control unit 14. In addition to this, an account deposit identification processing unit 105, an account deposit-specific information processing unit 106, and an X-ray processing notification unit 107 are provided.

  Of these, the account deposit identification processing unit 105 includes an account deposit type control function unit 105a, and by the account deposit type control function unit 105a, the card system information storage unit M5 and the home delivery system information arranged in the storage unit area. Whether the denomination of the information received from the storage unit M6 and the like and the deposit received in the one-time restricted deposit account is based on the direct account of the user as in the first embodiment described above, or It is determined which of the card credit sales company 101, the other bank 102, the intermediary company 103, or the courier company 104, and appropriate processing corresponding to each is executed.

  In addition, the account deposit identification processing unit 105 is provided with a split payment agreement control function unit 105b that performs processing when final payment is divided and performed. As shown in FIG. 10, the installment payment agreement control function unit 105b sets the account for each sales transaction in the one-time restricted deposit account created by accepting the settlement application to the sales contract amount and a plurality. It has a function of executing a process of dividing into divided approval amounts 1, 2, 3,.

  Further, the information processing unit 106 according to account deposit receives the information transmitted / received to / from the card credit sales company 101, the other bank 102, the brokerage company 103, and the courier company 104, and executes the processing as described later. Information processing units 106a to 106c.

  Furthermore, the explode notification unit 107 includes an escrow processing notification unit 107a that receives information transmitted to and received from an appropriate escrow operating company that performs settlement mediation and executes processing as described below.

  In the second embodiment having such a configuration, as shown in FIG. 11, for example, when a buyer (bidder) of an Internet auction logs in to a trading support account (step 111), the above-mentioned first If a one-time restricted deposit account is not created by transfer between the user's accounts as in the first embodiment, the denomination accepted is confirmed (step 112). Then, when the application for the credit investigation is performed by selecting the use of the credit card (step 113), the transaction ID of the sales transaction is provided on the condition that the credit result is appropriate (Yes in step 114). Then, different passwords are issued to both the seller and the buyer (step 115).

  On the other hand, when payment from an intermediary company 103 such as a convenience store is selected (step 116), the payment is made to the one-time restricted deposit account by appropriate notification and receipt of payment (step 117). ) A different password is issued to both the transaction ID of the sales transaction and the seller and buyer (step 115).

  In addition, when cash on delivery through the courier company 104 is selected and an application is made (step 118), transfer is made to the one-time restricted deposit account upon receipt of the contract amount at the time of appropriate notification or product delivery. As a condition (step 117), different transaction IDs are issued to both the seller and the buyer (step 115).

  Next, processing steps in the case where a buyer receives a product etc. shipped from a seller but wants to return it for some reason will be described.

  That is, for example, as shown in FIG. 12, when a return negotiation is initiated by the buyer (step 121), when the merchandise is returned and received by the seller, the seller who receives the return returns The product etc. are confirmed (step 122). If there is no problem with the returned merchandise etc. (Yes in Step 123), the half-cancellation of the one-time restricted deposit account is performed by receiving the transaction authentication by the password input from the seller side (Step 124), After that, the transaction authentication by the password input from the buyer side is received, so that the one-time restricted deposit account is fully canceled (step 125). As a result, the funds in the one-time restricted deposit account are transferred back to the original savings account (step 125).

  On the other hand, if there is a problem with the merchandise returned to the seller (No in Step 123), human negotiation such as telephone (Step 126) or mediation (Step 127) is conducted by the escrow operating company, and the settlement is completed. The funds are transferred to the person who has done this (step 128).

  Next, about the processing steps when the buyer who received the product etc. does not authenticate the transaction due to intention or negligence, or when the payment processing deadline has passed without the seller side deliberately or negligently shipping the product etc. explain.

  In the case described above, for example, as shown in FIG. 13, when a complaint from the buyer side is first notified to the seller side (step 131), the buyer side freezes the settlement processing deadline date. (Step 132), a return deadline for returning the merchandise is set (step 133), and when the return deadline has passed (Yes in step 134), a transaction based on a password input from the buyer side When the authentication is received, all of the one-time restricted deposit account is canceled (step 135). As a result, the funds in the one-time restricted deposit account are transferred back to the original savings account (step 136). At this time, in the case of credit card settlement, a notice to that effect is given to the credit card company.

  On the other hand, when goods etc. are returned and received from the buyer side to the seller side (step 137), after confirmation of goods etc. is made by the seller side who received the return (Yes in step 138). When the transaction authentication by the password input from the seller side is received, the one-time restricted deposit account is half-released (step 139), and the transaction authentication by the password input from the buyer side is further received. By canceling all of the time-restricted deposit account (step 135), funds in the one-time restricted deposit account are transferred back to the original savings account (step 136). At this time, in the case of credit card settlement, a notice to that effect is sent to the credit card company.

  On the other hand, if the merchandise is not confirmed by the seller who has received the return (No in Step 138), negotiation between the seller and the buyer (Step 140) and mediation (Step 141) are performed by the escrow operating company. As a result, funds are transferred to those who have settled (step 142).

  The above-described embodiments are examples as means for realizing the present invention, and should be appropriately modified or changed depending on the configuration of the apparatus to which the present invention is applied and various conditions without departing from the spirit of the present invention. The present invention is not limited to the following embodiments.

  For example, in each of the above-described embodiments, a one-time restricted deposit account is created in parallel with a non-binding ordinary saving account inside the trading support general account, as shown in FIG. It is also possible to create a one-time restricted deposit account for each sale transaction outside the trading support general account so that only the one-time restricted deposit account can be viewed by the user.

  Further, when performing transaction settlement, a transaction comprehensive support account may be created in advance as a comprehensive account that collectively includes an ordinary deposit account, a fixed deposit account, and the like.

  Furthermore, the present invention can also be achieved by storing a software program that realizes functions related to a transaction settlement support system, which will be described later, in a storage medium, reading the program code from the storage medium, and executing the apparatus that constitutes the system. It goes without saying that it is done. That is, the present invention can also be applied as a program for causing a computer to execute a trading settlement support system to be described later, a recording medium storing the program, and the like.

  In each of the above-described embodiments, the financial institution in which the transaction settlement support system is installed is a bank, but it is natural that various financial institutions such as a credit card company and an insurance company are included.

  As described above, the trading settlement support system according to the present invention can be widely applied to settlement procedures in various trading transactions such as Internet auctions and mail orders.

It is a block diagram showing the schematic structure of the network to which the trading settlement support system of the present invention is applied. It is a block diagram showing the schematic structure of the whole account management server installed in the financial institution. It is a functional block diagram which shows schematic structure of the transaction settlement assistance system concerning the 1st Embodiment of this invention. It is the flowchart explaining the processing operation of the transaction settlement support system in an auction site. It is a typical explanatory view showing the association between a non-binding binding account and a one-time binding deposit account in a trading support general deposit account. It is a flowchart showing the relief process procedure with respect to a seller in case a transaction authentication is not performed although a buyer has received goods or a service. It is a flowchart showing the remedy processing procedure with respect to a buyer when a buyer cannot receive goods or service. It is a block diagram showing the schematic structure of the other network to which the trading settlement support system of the present invention is applied. It is a functional block diagram which shows schematic structure of the transaction settlement assistance system concerning the 2nd Embodiment of this invention. It is a typical explanatory view showing the state where the account for each sales transaction in the one-time restricted deposit account was divided into a plurality of division approval amounts. It is a flow figure showing a processing process in case various receipts of money to a one-time restricted deposit account are performed. It is a flowchart showing the processing process when goods etc. are returned to the seller side from the buyer who received goods. It is a flowchart showing the process process in case a buyer or a seller does not authenticate transaction by will or negligence. It is a typical explanatory view showing an embodiment at the time of creating a one-time restricted deposit account for every sales transaction outside a sales support general account.

Explanation of symbols

1 Transaction settlement support system 2 Financial institution 3 Account system 4 Information system 5 User 5a Seller (exhibitor)
5b Buyer (bidder)
6 Operation terminal 7 Broker 8 Information transmission device for payment 11 One-time restricted deposit account creation unit (temporary restricted deposit account creation means)
12 One-time restricted deposit account transfer department (temporary restricted amount account transfer means)
13 One-time restricted deposit account fixing part (temporary restricted deposit account fixing means)
14 One-time restricted deposit account cancellation department (temporary restricted deposit account cancellation means)
15 One-time restricted deposit final processing section (temporary restricted deposit final processing means)
16 External notification communication control unit 21 CPU
22 System bus 23 RAM
24 ROM
25 HDD (storage device)
26 I / O interface (I / F)
27 Output unit 28 Input unit 29 Communication unit 20 Removable recording medium 20a Drive M1 User information storage unit M2 Account information storage unit M3 Transaction information storage unit M4 Transaction history information storage unit 31 Program storage unit 32 One-time account opening application reception unit 33 Account user information collection unit 34 Transaction information collection unit 35 Savings deposit balance reference unit 36 Account creation generation unit 37 Cryptographic notification unit 38 Inter-account transfer unit 40 Account lock control unit 41 Processing time limit control unit 42 Processing time limit warning notification unit 43 One time Restricted deposit withdrawal control unit 44 One-time restricted deposit account deletion processing unit 45 Core system interface 100 Trading settlement support system 101 Card credit sales company 101a Settlement credit inquiry device 101b Settlement transmission device 102 Other bank 102a Settlement credit inquiry unit 102b Settlement transmission Device 102 ATM
103 Brokerage companies (convenience stores, etc.)
103a Payment Search / Delivery Management Device 103b Settlement Transmitter 103c Accepted Amount Transfer Device 104 Courier Company 104a Settlement Transmitter 104b Accepted Amount Transfer Device 105 Account Deposit Identification Processing Unit 105a Account Deposit Type Control Function Unit 105b Split Payment Agreement Control Function Unit 106 Account Information processing unit by deposit 106a to 106c Information processing unit 107 Explo process notification unit 107a Escrow process notification unit M5 Card system information storage unit M6 Home delivery system information storage unit

Claims (4)

Finance that supports settlement procedures related to sales transactions of goods or services between buyers and sellers using an account management server that manages at least deposits and withdrawals in non-binding deposit accounts opened in financial institutions by buyers An institutional transaction settlement support system,
The account management server
Temporary restricted deposit account creation means (11) for accepting a settlement application from the buyer and setting one restricted binding account having one binding property for each sales transaction in association with the non-binding account When,
A temporary restraint amount account transfer means (12) for transferring an amount corresponding to a transaction amount of a sales transaction for which a settlement application has been accepted from the non-binding account to the temporary binding account;
A temporary restricted deposit account fixing means (13) for setting one temporary restricted deposit account corresponding to the transaction amount of the one sale transaction to a frozen state in which deposits and withdrawals are impossible;
A temporary restricted deposit account releasing means (14) for accepting a transaction authentication transmitted by both the buyer and the seller and setting an open state in which withdrawal can be made by releasing the frozen state of the temporary restricted deposit account;
A payment settlement support system for financial institutions, characterized by comprising:   The temporary restraint account creating means (11) has a function of generating and notifying a different separate password to a seller and a buyer when creating a temporary restraint account. The financial institution's transaction settlement support system.   The temporary restricted deposit account releasing means (14) is provided with a function of releasing the frozen state of the temporarily restricted deposit account when a preset settlement processing time limit has passed. The financial institution's transaction settlement support system. Finance that supports settlement procedures related to sales transactions of goods or services between buyers and sellers using an account management server that manages at least deposits and withdrawals in non-binding deposit accounts opened in financial institutions by buyers An institutional transaction settlement support method,
The temporary restricted deposit account creation means (11) provided in the account management server accepts a settlement application from the buyer, and a temporary restricted deposit account having one binding property for each trading transaction is set as the non-binding property. Set it in relation to your savings account,
An amount corresponding to the transaction amount of the sales transaction for which the settlement application has been accepted is transferred from the non-binding account to the temporary binding account by the temporary binding account fixing means (13) provided in the account management server. Transfer, set one temporary restricted deposit account that matches the transaction amount of that one sale transaction to a frozen state where deposits and withdrawals are not possible,
Withdrawal by accepting the transaction authentication transmitted by both the buyer and seller by the temporary restraint account releasing means (14) provided in the account management server and releasing the frozen state of the temporary restraint account. A transaction settlement support method for a financial institution characterized in that it is set to a possible open state.

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