JP2009098852A - Internet banking system and electronic money charging method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To enable electronic money charging through Internet banking even during offline-hours of connection to a bank host. <P>SOLUTION: An Internet banking system having a balance database for acquiring and storing balance data in a bank host side balance database during online hours of connection to the bank host, and a means for receiving an electronic money charge request from an information terminal via the Internet, acquiring requested electronic money and charging the requesting information terminal with the electronic money is provided with a data processing means for acquiring and storing a balance available only for electronic money charging set in the bank host as the customer-specific balance data stored in the balance database during online-hours of connection to the bank host, and in response to an electronic money charge request from the information terminal, executing the electronic money charging procedure when the requested charge amount is within the balance available only for electronic money charging. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to an Internet banking system that realizes electronic money charging when a bank host and Internet banking are connected offline, and an electronic money charging method in the system.

With the spread of various channels such as Internet banking, mobile banking, ATMs installed in convenience stores and supermarkets, bank accounts can be accessed 24 hours a day.
FIG. 17 is a connection diagram with various channels centering on the bank host. 110A and 110B indicating the bank host sections of the A and B banks, 113 indicating the ATM channel network, and the Internet banking system (hereinafter referred to as IB system). 104, 109A and 109B indicating dedicated line connections, 102 indicating public line network, 119 indicating closed line network, personal computer (hereinafter referred to as PC) 101 serving as a terminal for Internet banking, mobile phone 103, electronic money management company The system 116 includes a dedicated line 115 between the IB system 104 and the electronic money management company system 116.
The bank host units 110A and B include data processing units 111A and 111B and balance database units 112A and 112B.

Similar to the bank host units 110A and 110B, the IB system 104 includes a data processing unit 105B, a history database 106, a balance database 107, a customer database 108, and a screen processing unit 105A that displays a screen on a terminal.
In this case, in the IB system 104, when there is a balance inquiry request from the PC 101 during the online period of connection with the bank host 110A, the balance inquiry request is sent to the data of the IB system 104 as shown in the sequence diagram of FIG. The authentication is received by the processing unit 105B, and the user authentication is performed with reference to the customer information in the customer database 108. Then, determine whether the bank is online. When online, a balance inquiry request message is sent to the data processing unit 111A of the bank host 110A.
The data processing unit 111A reads the balance data of the customer who requested the balance inquiry from the balance DB 112A, and returns a message to the data processing unit 105B of the IB system 104.
The data processing unit 105B adds the balance data acquired from the bank host 110A to the history DB 106, and then transmits and displays the result to the PC 101, which is the balance inquiry request source.

The number of executions of the IB system has been increasing in recent years because customers can make many bank transactions without going to a bank or ATM (automated teller machine) installation location. Balance inquiry is most frequently executed, but the number of executions is increasing for transfers between accounts.
Also, the bank hosts 110A, 110B are not accessible for 24 hours due to their own maintenance time. In the IB system 104, information mainly accessed by customers is copied to the internet banking history DB 106, balance DB 107, and customer DB 108 before the bank hosts 110A and 110B become inaccessible (offline).
Furthermore, a method of charging to electronic money such as Edy (electronic money provided by Bitwallet) using Internet banking is becoming widespread. For example, as shown in Patent Document 1 below, Edy or Suica (a ticket using a non-contact IC card introduced by JR East Corporation by collating the balance in real time, and now also has an electronic money function A technology for charging electronic money such as) in real time is known.

JP 2006-65620 A

In ATMs such as convenience stores, online connection time with a bank host is approximately 24 hours, so it is possible to inquire about the balance in real time and withdraw cash even at midnight, and the balance is reduced accordingly.
The electronic money charge is not cash, but a cash equivalent is charged to a mobile phone (here, a mobile phone with a built-in non-contact IC card is used as a medium for holding electronic money). Since it can be used as electronic money from the moment the charge is completed, it is treated the same as a cash withdrawal.
Since it is equivalent to cash withdrawal, it is not possible to charge more than the balance at the bank host, so matching with the balance held at the bank host is essential when charging.
Therefore, at present, electronic money charging from Internet banking is not possible during the time of bank connection offline. The reason is that it cannot be matched with the balance of the bank host.

If electronic money charging is enabled in an environment where the bank connection is offline, it is possible to debit the entire account balance at an ATM such as a convenience store while performing electronic money charging. Electronic money can be withdrawn. Therefore, although Internet banking itself can be used for 24 hours, the time that it can function only for electronic money charge is limited.
Incidentally, in the bank connection online time zone, electronic money charging is performed as follows.
First, an electronic money charging application is activated on the mobile phone 103.
Then, the desired charge amount is input on the activated application screen and transmitted to the IB system 104. The data processing unit 105B of the IB system 104 makes a “withdrawal” request to the data processing unit 111A of the bank host 110A.
If the desired charge amount is within the balance, the data processing unit 111A performs a withdrawal process and responds with a normal end.
The data processing unit 105B of the IB system 104 sends the charge amount to the data processing unit 117 of the electronic money management company system 116. The electronic money management company system 116 transmits a URL at which electronic money can be downloaded to the IB system 104.
By displaying a URL on the mobile phone 103 and accessing the URL, electronic money can be charged to the mobile phone 103.

  An object of the present invention is to provide an Internet banking system that enables electronic money charging through Internet banking within the account balance even when the connection with the bank host is offline.

In order to achieve the above object, an Internet banking system of the present invention includes a balance database that acquires and stores balance data of a bank host side balance database in a connection online time zone with a bank host, and an information terminal via the Internet. An internet banking system comprising means for receiving an electronic money charge request, acquiring the requested electronic money and charging the requesting information terminal with the electronic money,
As a balance data for each customer to be stored in the balance database, a chargeable balance dedicated to electronic money set on the bank host side is acquired and stored in a connection online time zone with the bank host, and the electronic money is charged from the information terminal. If the requested charge amount is within the range of the chargeable balance dedicated to the electronic money, a data processing means for executing an electronic money charging procedure is provided.
In addition, a balance database for acquiring and storing balance data in the bank host side balance database in the online time zone connected to the bank host and an electronic money charge request from an information terminal via the Internet are received, and the requested electronic money is received. And an electronic money charging method in an internet banking system comprising a data processing means for charging the requesting information terminal with electronic money,
The data processing means is
Acquiring and storing a chargeable balance dedicated to electronic money set on the bank host side in a connection online time zone with the bank host as balance data for each customer stored in the balance database; and electronic data from the information terminal In response to a money charge request, the method includes a step of executing an electronic money charge procedure if the requested charge amount is within a chargeable balance dedicated to the electronic money.

The Internet banking system of the present invention has the following effects.
Since the electronic money chargeable balance data set on the bank host side is registered in the balance database of the internet banking system in the online connection time zone with the bank host, the electronic Electronic money can be charged within the range of money chargeable balance data.

Hereinafter, an embodiment of a banking system to which the present invention is applied will be described.
FIG. 1 is a system configuration diagram showing an embodiment of a banking system according to the present invention, and is a system configuration diagram of an ASP type IB system.
This system is divided into an IB system 104, bank hosts 110A and 110B, and an electronic money management company system 116.
The IB system 104 includes a screen processing unit 105A, a data processing unit 105B, a history DB 106, a balance DB 107, and a customer DB 108, similarly to the configuration of FIG.
The bank hosts 110A and 110B are composed of data processing units 111A and 111B and balance DBs 112A and 112B, and are connected to the ATM network 113 via a closed line network 119. The ATM network 113 is composed of a large number of ATMs 114A and 114B.
The electronic money management company system 116 includes a data processing unit 117 and a DB unit 118, and is connected to the IB system 104 via a dedicated line 115.

In the databases 106 to 108 of the IB system 104, balance information, transaction details information (contents usually entered in a passbook), an IB password, a transaction history in the IB 104, and the like are stored. Further, the screen processing unit 105A controls input / output of screens to an actual operation terminal (PC 101 or mobile phone 103), communication control with the bank hosts 110A and B via the dedicated lines 109A and B, and the dedicated line 115. Controls communication with the electronic money management company system 116 via.
In the processing of the IB system 104 via the dedicated lines 109A, B, there is a difference in operation depending on whether the connection with the bank hosts 110A, B is online (connected) or offline (disconnected).
In the bank hosts 110A and 110B, since the function maintenance time cannot be processed, the connection goes offline.
In the bank connection online time zone, the balance and transaction details (passbook data) are acquired from the balance databases 112A and B of the bank hosts 110A and B, but in the bank connection offline time zone, data is obtained from the bank hosts 110A and B. Therefore, the processing is continued with reference to the databases (106 to 108) in the IB system 104. Therefore, before the bank connection goes offline, the IB system 104 needs to receive necessary data such as balances and transaction details from the bank hosts 110A and 110B and register them in the databases 106-108.

Processing when the IB system 104 receives a balance inquiry from the PC 101 in the bank connection online time zone is as described in the sequence diagram of FIG.
That is, the data processing unit 105B that has received the request from the PC 101 accesses the customer DB 108 and performs customer authentication, and then determines whether the bank is online. When online, a message is sent to the data processing unit 111A of the bank host 110A.
The data processing unit 111A reads data from the balance DB 112A and returns a message to the data processing unit 105B of the IB system 104.
The data processing unit 105B adds the data acquired from the bank host 110A to the balance DB 106, and then transmits and displays the result to the PC 101 that is the balance inquiry request source.

FIG. 2 is a sequence diagram showing processing when the IB system 104 receives a balance inquiry request from the PC 101 in the bank connection offline time zone.
The data processing unit 105B that has received the balance inquiry request from the PC 0201 in the bank connection offline time period acquires customer information from the customer DB 108 and performs identity verification of the customer who has accepted the balance inquiry request, and then determines whether the bank is online. Make a decision.
If it is offline, the balance data is acquired from the balance DB 107 in the IB system 104. Then, it is added to the history DB 106, and the balance data is returned to the balance inquiry source PC 0101 for display.

A conventional data configuration example of the balance DB 107 is shown in FIG. In the present invention, the data structure is changed as shown in FIG. Details will be described later.
The balance DB 107 is a contractor ID 1071 in the IB system 104, which branch account the balance of the branch number and account number information 1072, the total balance 1073 of the branch number and account number information 1072, the payable balance of the corresponding account (the overdraft limit amount) And a value obtained by subtracting an unsettled check balance).

FIG. 4 is a flowchart showing an outline of processing in balance inquiry of the data processing unit 105B of the IB system 104.
The operations of FIGS. 2 and 18 are summarized.
The data processing unit 105B determines whether the customer authentication is OK or NG (step 402), and forcibly logs out when the customer authentication is NG (step 408).
If the customer authentication is OK, it is next determined whether or not the bank host 110A to which the balance inquiry destination branch belongs is online (step 403). If online, the bank host 110A is requested to make a balance inquiry (step 404), the balance data stored in the balance DB 112A is acquired and added to the history DB 106, and the balance data is returned to the balance inquiry source PC 101. Are displayed (steps 405 to 407).
In the IB system 104, not only a reference process for a balance and the like, but also a money transfer transaction such as a transfer is possible. Even in money transfer transactions, there is a difference in operation between the online time zone and the offline time zone.

FIG. 5 is a sequence diagram when the IB system 104 receives a transfer request from the PC 101 to the bank host 110A in the bank connection online time zone.
The data processing unit 105B refers to the customer information registered in the customer DB 107 for the customer of the PC 0101 that has received the transfer request, performs customer authentication, and determines whether the bank is online.
When online, a transfer request message is sent to the data processing unit 111A of the bank host 110A.
The data processing unit 111A performs a transfer process, and returns the result and the balance to the data processing unit 105B of the IB system 104. The data processing unit 105B adds the transfer record and balance data to the history DB 106, and then transmits and displays the result to the transfer request source PC 101.

FIG. 6 is a sequence diagram when the transfer request is received from the IB system in the bank connection offline time zone.
The data processing unit 105B that has received the request from the PC 0601 accesses the customer DB 107 and authenticates the customer, and then determines whether the bank is online. If offline, the data processing unit 105B performs a transfer process (actually, a transfer reservation process), and returns the result to the data processing unit 105B. Then, the fact that the transfer reservation has been made is added to the history DB 106 and the result is displayed on the PC 101.
Since the transfer reserved transaction is accumulated in the history DB 106 of the IB system 104, the bank host has not yet processed it. At this stage, the history DB 106 of the IB system 104 is different from the balance DB 112A on the bank host 110A side. Therefore, a device for reflecting the transfer reservation transaction on the bank host 110A is required.

FIG. 7 is a sequence diagram when the bank host 110 </ b> A processes a transaction reserved for transfer in the IB system 104.
The IB system 104 reads one transfer reservation transaction from the history DB 106 and sends it to the data processing unit 111A of the bank host 110A. The data processing unit 111A performs a transfer process. If the transfer is successful, the balance in the balance DB 112A on the bank host side is reduced.
If the transfer process fails, the balance is not changed. Then, the processing result is returned to the data processing unit 105B of the IB system 104.
The data processing unit 105B reflects the result in the history DB 106 (reflects completion or failure) and ends the process.

FIG. 8 is a flowchart showing the transfer process of FIG.
A contractor is selected in the IB system 104 (step 802), one transfer reservation of the contractor is selected from the history DB 106 in chronological order (step 803), and transfer request data is transmitted to the bank host 110A (step 803). Step 804).
The bank host 110A determines whether or not the transfer amount is within the balance (step 805). If it is within the balance, the transfer process is executed (step 806), the balance is reduced (step 807), and the result is returned (step 807). .
If the transfer amount is equal to or greater than the balance, a balance shortage error is returned (step 807). Further, the history DB 106 is changed from the transfer reservation to the transfer completion state (step 808), and one case processing is completed.
After processing all cases from the oldest for the corresponding contractor (step 809), the next contractor is processed. After all the contractors have been processed (step 810), the processing is completed.
With the completion of this processing, all offline transfer reservation transactions are reflected in the balance DB 112A on the bank host 110A side. Subsequent transactions can be processed online by the bank.

FIG. 9 is a sequence diagram when electronic money charging is performed in the bank connection online time zone.
First, an electronic money charging application is activated on the mobile phone 103.
Then, the desired charge amount is input on the activated application screen and transmitted to the IB system 104. The data processing unit 105B of the IB system 104 makes a “withdrawal” request to the data processing unit 111A of the bank host 110A.
If the desired charge amount is less than or equal to the balance, the data processing unit 111A performs a withdrawal process and responds with a normal end.
The data processing unit 105B of the IB system 104 sends the charge amount to the data processing unit 117 of the electronic money management company system 116. The electronic money management company system 116 transmits a URL at which electronic money can be downloaded to the IB system 104.
By displaying a URL on the mobile phone 103 and accessing the URL, electronic money can be charged to the mobile phone 103.

FIG. 11 is a data configuration diagram and content example of the balance database 107 in the IB system 104 when the bank connection is offline in the present invention.
The items include a contractor ID 1101, a branch code-account number 1102, a total balance 1103, and a payable balance 1104.
Further, balance category 1 (1105-1) indicates a limit amount in which electronic money can be charged while the bank connection is offline, and balance category 2 (1105-2) indicates an amount other than balance category 1. In consideration of expandability, the balance category n is assumed to be about 10, and the total of balance category 1 to balance category n (1105-1 to 1106-n) is the total payable balance 1104.
In this case, the balance is sorted according to use, and each available limit amount is shared between the balance DB 112A of the bank host 110A and the IB system 104, and a system for electronic money charging in the IB system 104 in a bank connection offline environment, and a convenience Cash withdrawals from ATMs such as stores can be carried out at the same time, and electronic money charging becomes possible regardless of whether the bank connection environment is online or offline.

Hereinafter, the operation of the IB system 104 configured as described above will be described.
FIG. 12 is a sequence diagram when electronic money charging is performed in the bank connection offline time zone using the present invention.
The desired charge amount is input from the application screen of the IB system on the mobile phone 103 and transmitted to the IB system 104.
The data processor 105B of the IB system 104 accesses the balance DB 107 after confirming that the bank connection is offline.
The desired charge amount is compared with balance category 1 (1105-1). If the value of balance category 1 is large, charging is possible.
Next, the data processing unit 105B of the IB system 104 sends the charge amount to the data processing unit 117 of the electronic money management company 116. The electronic money management company 116 transmits a URL for downloading electronic money to the IB system 104. By displaying and accessing the URL on the mobile phone 103, the mobile phone 103 can be charged with electronic money.

FIG. 12 is a flowchart showing processing when the electronic money charge of FIG. 12 is performed.
First, the electronic money charge menu is selected on the application screen of the mobile phone 103 (step 1201), and the desired charge amount is input (step 1202) and transmitted to the IB system 104. The IB system 104 refers to the customer DB 108, performs customer authentication (step 1203), and logs out if authentication is denied.
If the customer authentication is OK (positive), the IB system 104 determines whether the value is within the balance category 1 (maximum chargeable amount) in the balance DB 107 (step 1204). If it is within the balance category 1, the desired charge amount is deducted from the value of the balance category 1 in the balance DB 107 (step 1205), the electronic money management company system 116 is informed that the price has been secured, and a chargeable URL is obtained ( Steps 1206 and 1207).
Thereafter, the URL is returned to the mobile phone 103 (step 1208), and a processing completion screen is sent to the mobile phone 103 (step 1209). As a result, the mobile phone 103 is logged out (step 1210).
Finally, the mobile phone 103 accesses the URL acquired from the IB system 104 and obtains electronic money corresponding to the desired charge amount from the URL (step 1211).

FIG. 13 shows how the balance DBs 107 and 112A appear when electronic money is charged from the IB system 104 and when cash is withdrawn from the ATM.
In the bank connection online time zone, the balance DB 107 on the IB system 104 side is not used, and only the balance DB 112A on the bank host 110A side is referred to (1301, 1302).
At the start of the bank connection offline time, the contents of the balance DBs 107 and 112A on the IB system 104 side and the bank host 110A side are the same (1303 and 1304).
Here, as shown in FIG. 11, when the electronic money is charged during the bank connection offline time, the balance DB 107 on the IB system 104 side subtracts the balance total and the value of balance category 1 (1305), and the bank host 110A side. Since the balance and balance category 1 of the balance DB 112A are not changed (1306), a difference appears in the apparent balance.
Further, when cash withdrawal is performed at the bank ATM, the balance and balance category 1 in the IB system 104 side balance DB 107 are not changed (1307), but the balance and balance category 2 in the bank host 110A side balance DB 112A are changed ( 1308).
As described above, it is possible to access a bank account by a plurality of methods such as the IB system 104 and bank ATM while the bank connection is offline, and to perform fund transfer reservation such as transfer, cash withdrawal, and electronic money charge.
In the IB system 104, the transfer during the bank connection offline is in a transfer reservation state, and no funds are actually transferred.

FIG. 14 is a data configuration diagram of the history DB 106 describing a transfer reservation on the IB system 104 side. The status 1403 of all transactions is “accepting”.
Eventually, if the balance DB 112A on the bank host 110A side is within the payable balance, cash and electronic money exceeding the balance will not be generated, and overpayment will not occur. On the other hand, since the transaction for accepting reservation can be reserved regardless of the amount of the balance, there is a possibility that an error of insufficient balance will occur when reflected in the bank host side DB.

FIG. 15 is a flowchart for reflecting the processing when the electronic money charge is performed during the bank connection offline time and a plurality of transfer reservations are made using the present invention in the balance DB 112A on the bank host side.
First, a contractor is selected (step 1502), and the balance category 1 of the balancer DB 107 on the IB system 104 side of the contractor is transmitted to the bank host 110A side and deducted from the balance of the bank host 110A (steps 1503 to 1505). At this stage, the electronic money charge is normally reflected in the balance DB 112A on the bank host 110A side. In step 1507 and subsequent steps, as shown in the history DB 106 of FIG. 16, the bank host 110A processes the transactions reserved for transfer one by one.
When the contractor ID “XXXXXXX” is selected in step 1502, in step 1507, transactions are read in the order of 1601-1, 1601-3, and 1601-4 in order to process transactions in time series. If the amount 1605 of 1601-1 is greater than or equal to the balance processed in step 1505, processing in steps 1510 to 1512 is performed, and processing is completed after receiving the status 1603 of transaction 1601-1 in step 1513 (FIG. 17). It is assumed that the state of the transaction 1701-1 is 1703).
Next, the transaction 1601-3 is processed similarly. If the bank host balance is smaller than the amount 1605 of the transaction 1601-4 at this stage, the transaction 1601-4 is NO in the balance determination step 1509, and the transfer transaction is not established. An error is returned from the bank host (step 1512), resulting in a “balance shortage error” as shown in state 1703 of transaction 1701-4.

As described above, the IB system according to the present embodiment has the following effects.
It is possible to provide the user with an electronic money charge function even during a bank connection offline time period.
In addition, by dividing the structure of the balance DB into a plurality of payable balances on the bank side, even if all transactions during offline hours are reflected in the balance DB, overpayment exceeding the balance of cash and electronic money is prevented. I can do it.

1 is a system configuration diagram showing an embodiment of the present invention. It is a sequence diagram of the balance inquiry in a bank connection offline environment. It is a flowchart at the time of performing balance inquiry. It is a sequence diagram at the time of performing the transfer process in a bank connection online environment. It is the sequence diagram of the transfer in a bank connection offline environment. It is a sequence diagram of the process which reflects the transfer reservation transaction to a bank host. It is a flowchart of the process which reflects the transfer reservation transaction to a bank host. It is a sequence diagram of the electronic money charge in a bank connection online environment. It is a block diagram of the conventional balance database in an IB system. It is a block diagram of the balance database of the IB system in the present invention. It is a sequence diagram of the electronic money charge in a bank connection offline environment. It is a flowchart of an electronic money charge. It is explanatory drawing which shows the state transition of the balance database of an IB system and a bank host side. It is a data block diagram of the history database with which transfer reservation was carried out. It is a flowchart of the whole process of this invention. It is a data block diagram of the history database after implementing a transfer process. It is a system configuration | structure figure of the conventional internet banking system. It is a sequence diagram of the balance inquiry in a bank connection online environment.

Explanation of symbols

101 ... User terminal (PC)
104 ... IB system 105A ... screen processing unit 105B ... data processing unit 106 ... history database 107 ... balance database 108 ... customer database 110A, 110B ... bank host 111A, 111B ... bank host data processing unit 112A, 112B ... in bank host Balance database 116 ... Electronic money management company system 117 ... Electronic money management company internal data processing unit 118 ... Electronic money management company internal database

Claims (2)

The balance data in the bank host side balance database is acquired and stored in the online time zone connected to the bank host, and the electronic money charge request is received from the information terminal via the Internet, and the requested electronic money is acquired. An internet banking system comprising means for charging the requesting information terminal with electronic money,
As a balance data for each customer to be stored in the balance database, a chargeable balance dedicated to electronic money set on the bank host side is acquired and stored in a connection online time zone with the bank host, and the electronic money is charged from the information terminal. An internet banking system comprising data processing means for executing an electronic money charge procedure when a requested charge amount is within a chargeable balance dedicated for electronic money in response to a request. The balance data in the bank host side balance database is acquired and stored in the online time zone connected to the bank host, and the electronic money charge request is received from the information terminal via the Internet, and the requested electronic money is acquired. An electronic money charging method in an internet banking system comprising data processing means for charging electronic money to a requesting information terminal,
The data processing means is
Acquiring and storing a chargeable balance dedicated to electronic money set on the bank host side in a connection online time zone with the bank host as balance data for each customer stored in the balance database; and electronic data from the information terminal An electronic money charging method in an Internet banking system, comprising: a step of executing an electronic money charging procedure when a requested charge amount is within a chargeable balance dedicated to the electronic money in response to a money charge request .

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