JP2015141597A - payment system and method using electronic money - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system and a method enabling payment by electronic money issued by financial institutions and allowing a recipient of the electronic money to encash the electronic money using an ATM.SOLUTION: A system enabling payment using electronic money and connected to ATMs, includes means of: receiving an amount payable; issuing a reception ID and a password; collating an ID and a password received from the ATM with the reception ID and the password; when the collation of the reception ID and the password matches, notifying the ATM of the amount payable; and reducing the amount payable from a balance of an electronic money account of a payment source.

Description

  The present invention relates to a payment system and method using electronic money. More specifically, the present invention relates to a system and a method in which a recipient can receive electronic money issued by a financial institution at an ATM.

  In recent years, opportunities for companies to make payments to customers have increased. For example, there is a case where a mail-order company returns a price for refund or cashback by return. In addition, when a life insurance / non-life insurance company makes a loan by paying insurance money or contract money, when a research company pays a fee to a questionnaire monitor, when a consumer finance lends a loan, a temporary staffing company dispatches It may be possible to pay a daily allowance to workers. As a payment method in such a case, a transfer to a bank account is the mainstream.

  By the way, in order to transfer money to an account, it is necessary for the company to grasp the account information of the customer and notify the financial institution. For this reason, currently, a service for notifying financial institutions of account information of a transfer destination is provided (see Patent Document 1). In this service, a customer inputs account information of a bank account to a designated website. The entered account information is notified to the financial institution. Thereafter, the financial institution determines whether or not the account information is correct, and transfers money if it is correct.

JP 2009-157810 A

  However, payment by transfer to an account has the following problems. First, when paying to a large number of customers, there is a problem that the burden of the transfer fee is large. In particular, when the amount of payment per customer is small, companies and customers often feel that the transfer fee is high. Second, if the company does not know the customer's account information or if the customer does not have an account, the company cannot pay immediately.

  The present invention has been made in view of such problems. The purpose of the present invention is that a financial institution issues electronic money, a company pays the customer with the electronic money, and the customer uses the ATM. It is an object of the present invention to provide a system and method for using and cashing electronic money. Specifically, it is possible for the customer not only to receive the money by bank transfer, but also to receive the electronic money in cash and receive it with electronic money.

  In order to achieve such an object, the present invention is a system for payment using electronic money, the system being connected to an ATM, means for receiving a payment amount, receiving ID and If the means for issuing a password, the means for checking the ID and password received from the ATM with the receiving ID and password, and the matching of the receiving ID and password match, the ATM is notified of the payment amount And means for reducing the payment amount with respect to the balance of the electronic money account of the payment source.

  As described above, according to the present invention, when a customer receives payment from a company, it is possible to receive not only a transfer but also cashed electronic money by ATM and received by electronic money. In addition, it is possible to reduce the cost for payment by setting the fee for payment by cashing electronic money at ATM and the fee for payment by electronic money lower than the current transfer fee. . Furthermore, according to the present invention, even when the company does not know the account information of the customer or when the customer does not open an account, the company can pay to the customer. Further, when cash is withdrawn at an ATM, a cash card is required. However, according to the present invention, a customer can receive cash without having to bring a cash card.

It is the schematic of the payment service by electronic money. It is the whole system block diagram including the payment system by electronic money. It is a detailed view of a bank system. It is an example of an ID / PW management database. It is an example of a contract database. It is an example of an electronic money account management database. It is a flowchart of the payment method by electronic money. It is another flowchart of the payment method by electronic money. It is a transition diagram of the screen displayed on ATM. 1 illustrates an exemplary computer that can be used to implement the present invention.

  FIG. 1 is a schematic diagram of a payment service using electronic money according to the present invention. Here, it is assumed that the company needs to pay the customer. Further, it is assumed that the company has applied for this service in advance and has signed a contract with the bank.

  Here, electronic money issued by a bank will be described. Banks providing this service issue electronic money. This electronic money can be exchanged for electronic money issued by another issuing organization or points of point service.

  First, “in the case of no login ID / PW” in FIG. 1 will be described. The presence / absence of “login ID / PW” can be determined in advance between the company and the bank. As shown in (1), the customer requests payment from the company. This request may be omitted. Next, as shown in (2), the company requests the bank to issue a receipt ID and a password. This receiving ID and password are used when a customer cashs and receives electronic money at an ATM or receives electronic money at an ATM, as will be described later. Further, the company notifies the bank of data for identifying the customer to whom the payment is made and the amount the company pays to the customer. Next, as shown in (3), the bank issues a receipt ID and password, and notifies the company of the receipt ID and password. Next, as shown in (4), the company notifies the customer of the issued receipt ID and password. Next, as shown in (5), the customer inputs the notified receipt ID and password to the ATM. Next, as shown in (6), the customer receives cash or electronic money in the amount notified from the company to the bank in (2). As a method of receiving electronic money, for example, it is possible to store electronic money data using a card reader / writer (device capable of reading data from the card and writing data to the card) attached to the ATM. It is assumed that the electronic card is charged with a simple card. The electronic money charged at this time is the amount of electronic money notified to the bank from the company in (2), which may be electronic money issued by the bank, or exchanged for electronic money issued by the bank It may be electronic money issued by an issuing organization.

  Next, “when login ID / PW exists” in FIG. 1 will be described. As shown in (1), the customer requests payment from the company. This request may be omitted. Next, as shown in (2), the company requests the bank to issue a login ID and a password. This login ID and password are used when the customer logs in to the bank website as will be described later. Further, the company notifies the bank of data for identifying the customer to whom the payment is made and the amount the company pays to the customer. Next, as shown in (3), the bank issues a login ID and password, and notifies the company of the login ID and password. Next, as shown in (4), the company notifies the customer of the issued login ID and password. Thereafter, as shown in (5), the customer logs in to the bank's website using the notified login ID and password. Next, as shown in (6), the bank issues a receipt ID and password, and notifies the customer of the receipt ID and password. Thereafter, as shown in (7), the customer inputs the notified receipt ID and password to the ATM. Next, as shown in (8), the customer receives cash or electronic money in the amount notified from the company to the bank in (2).

  FIG. 2 is an overall system configuration diagram including a payment system using electronic money. The configuration 200 includes a bank system 210, a company system 230, and a customer terminal 240. The bank system 210 is a system of a financial institution that implements this service. The bank system 210 also includes a payment system 211 and an ATM 212. Details of the bank system 210 will be described with reference to FIG.

  The corporate system 230 is a corporate system that pays customers. The customer terminal 240 is a customer's personal computer or mobile terminal that receives payment from a company.

  The bank system 210 can transmit / receive data to / from the enterprise system 230 and the customer terminal 240. Further, the enterprise system 230 and the customer terminal 240 can transmit and receive data to and from each other.

  FIG. 3 is a detailed view of the bank system 210 of FIG. As described above, the bank system 210 includes a payment system 211 and an ATM 212. The payment system 211 includes a login ID / PW issue / management unit 301, a login reception unit 302, a receiving ID / PW issue / management unit 303, an ID / PW management database 304, a contract database 305, an electronic money account management database 306, An electronic money payment unit 307 and a data transmission / reception unit 308 are included.

  Each will be described. The login ID / PW issuance / management unit 301 issues an ID and a password for the customer terminal 240 to log in to the bank website, and manages the ID and password. The login ID / PW issuance / management unit 301 is used for “when there is a login ID / PW” in FIG. More specifically, the bank system 210 receives data requesting to issue a login ID and password from the enterprise system 230. When the bank system 210 receives this request data, the login ID / PW issue / management unit 301 issues a login ID and a password. The login ID and password are given to each customer in each payment of the company. The login ID / PW issuance / management unit 301 stores the issued login ID and password in the ID / PW management database 304.

  The login reception unit 302 receives a login from the customer terminal 240. The login reception unit 302 is used for “when there is a login ID / PW” in FIG. More specifically, the customer terminal 240 transmits the ID and password input to the customer terminal 240 to the bank system 210. The login reception unit 302 refers to the ID / PW management database 304 and determines whether the ID and password received by the bank system 210 match the login ID and password stored in the ID / PW management database 304. Judging. If they match, the login reception unit 302 permits login by the customer terminal 240. On the other hand, if they do not match, the login reception unit 302 does not permit login by the customer terminal 240 and the bank system 210 notifies the customer terminal 240 of an error.

  The receiving ID / PW issuance / management unit 303 issues an ID and password input to the ATM 212 and manages the ID and password. The description will be divided into “in the case of no login ID / PW” and “in the case of login ID / PW” in FIG.

  In “in the case of no login ID / PW” in FIG. 1, first, the bank system 210 receives data requesting to issue a receiving ID and password from the company system 230. When the bank system 210 receives the request data, the receiving ID / PW issuing / management unit 303 issues a receiving ID and password. The receiving ID and password are given to each customer in each payment of the company. The receiving ID / PW issuance / management unit 303 stores the issued receiving ID and password in the ID / PW management database 304.

  In the case of “with login ID / PW” in FIG. 1, if login by the customer terminal 240 is permitted by the login receiving unit 302, the receiving ID / PW issuing / managing unit 303 receives the receiving ID and password. Issue. The receiving ID and password are assigned for each login ID. The receiving ID / PW issuance / management unit 303 stores the issued receiving ID and password in the ID / PW management database 304.

  The ID / PW management database 304 is a database in which the login ID and password, the receiving ID and password are stored. Further, the ID / PW management database 304 also stores data for identifying the customer and data indicating the amount paid by the company to the customer. The enterprise system 230 indicates data for identifying the customer and the amount paid by the enterprise to the customer, along with data requesting the bank system 210 to issue a “reception ID and password” or “login ID and password”. Data can be transmitted. Details of the ID / PW management database 304 will be described with reference to FIG.

  FIG. 4 is an example of the ID / PW management database 304. The ID / PW management database 304 includes “customer name (customer number)”, “amount”, “login ID”, “login password”, “login ID / PW expiration date”, “reception ID”, “ Data related to “reception password”, “reception ID / PW expiration date”, and “contractor number” are stored.

  “Customer name (customer number)” is data for identifying the customer such as the name and name of the customer who receives payment from the company and the customer number. “Login ID” and “Login password” are the ID and password that the customer uses to log in to the bank's website. The “login ID” and “login password” are assigned to “when there is a login ID / PW” in FIG. “Amount” is the amount that the company needs to pay to its customers. “Receiving ID” and “Receiving password” are an ID and a password that are input to the ATM so that the customer can cash the electronic money and receive the electronic money at the ATM. The “ID” and “password” may have an expiration date agreed between the company and the bank. “Login ID / PW expiration date” is an expiration date set in the login ID and password. The “reception ID / PW expiration date” is an expiration date set in the reception ID and password.

  The “contractor number” is the same as the “contractor number” included in the contract database 305, and will be described later. By this “contractor number”, the ID / PW management database 304 and the contract database 305 are associated with each other.

  Returning again to the description of FIG. The contract database 305 is a database that stores information on companies that have contracts with banks in order to receive provision of services according to the present invention. The contract database 305 stores information on electronic money accounts opened at banks by companies. Details of the contract database 305 will be described with reference to FIG.

  FIG. 5 is an example of the contract database 305. The contract database 305 stores data related to “contractor number”, “company name”, “electronic money account number”, “deposit account number”, and “login ID / PW” for each electronic money account of a company receiving the service of the present invention. Stored.

  The “contractor number” is a number assigned to each company's electronic money account. “Company name” is the name of a company that has a contract with a bank to receive the provision of the service according to the present invention. The “electronic money account number” is information for specifying an account for electronic money of the company. The “deposit account number” is an account number of a deposit account opened by the company in the bank. As described above, the presence or absence of the login ID / PW can be negotiated between the company and the bank. “Login ID / PW” indicates whether or not a login ID and password are issued to a customer who receives payment from the company (whether there is a login ID / PW).

  Here, the electronic money account will be described. When a company signs a contract with a bank to receive the provision of services according to the present invention, an electronic money account for the company is opened. The enterprise pools electronic money as funds for “payment by cashing electronic money at ATM” and “payment by electronic money at ATM” in this electronic money account. That is, a company purchases electronic money issued by a bank. The purchased electronic money is deposited into the company's electronic money account. Specifically, when a company offers a bank to purchase electronic money, the contract database 305 is referred to, and the balance of the account having the “deposit account number” of the company is reduced by the amount of electronic money purchased. The balance of the account having the “electronic money account number” of the company is increased by the amount of purchased electronic money.

  The association between the ID / PW management database 304 and the contract database 305 will be described. First, based on the “reception ID” input to the ATM, the “contractor number” corresponding to the “reception ID” in the ID / PW management database 304 is specified. Based on the identified “contractor number”, an “electronic money account number” corresponding to the “contractor number” in the contract database 305 is identified. That is, for each receipt ID, an electronic money account of a company that provides “fund for payment by cashing electronic money at ATM” or “fund for payment by electronic money at ATM” is specified.

  Returning again to the description of FIG. The electronic money account management database 306 is a database in which information on deposits and withdrawals for each electronic money account is stored. Details of the electronic money account management database 306 will be described with reference to FIG.

  FIG. 6 is an example of the electronic money account management database 306. The electronic money account management database 306 stores data on “account name”, “electronic money account number”, “deposit / withdrawal details”, and “balance” for each electronic money account.

  “Account name” is the name and name of the holder of the electronic money account. The “electronic money account number” is a number assigned to this electronic money account. The “deposit / withdrawal statement” includes when electronic money is deposited (that is, when a company purchases electronic money) or when electronic money is withdrawn (that is, a customer cashes electronic money at an ATM). Date and amount) when received and when received with electronic money. Further, in the case of withdrawal, the “deposit / withdrawal statement” includes the customer who has received electronic money in cash and the customer name (customer number) of the customer who has received the electronic money. “Balance” indicates the balance of electronic money at the present time.

  Returning again to the description of FIG. The electronic money payment unit 307 performs payment processing using electronic money. More specifically, the ATM 212 notifies the payment system 211 of the ID and password input to the ATM 212. The electronic money payment unit 307 refers to the ID / PW management database 304, and the ID and password notified to the payment system 211 match the receiving ID and password stored in the ID / PW management database 304. Determine whether or not. If they match, the electronic money payment unit 307 identifies “customer name (customer number)”, “amount”, and “contractor number” corresponding to the matched “login ID” and “password”. Next, the electronic money payment unit 307 specifies an “electronic money account number” corresponding to the specified “contractor number” in the contract database 305. Next, the electronic money payment unit 307 refers to the electronic money account management database 307 and is specified in the ID / PW management database 304 from the balance of the electronic money account having the specified “electronic money account number”. Decrease the amount of money. Further, the electronic money payment unit 307 notifies the ATM 212 of data indicating the specified “customer name (customer number)” and “amount”. If the ID and password notified to the payment system 211 do not match the receiving ID and password stored in the ID / PW management database 304, the payment system 211 notifies the ATM 212 of an error.

  The data transmission / reception unit 308 transmits data to or receives data from the enterprise system 230, the customer terminal 240, and the ATM 212.

  The ATM 212 includes an input unit for a customer to input an ID and a password, a transmission unit for transmitting the input ID and password to the payment system 211, an ID and password authentication result from the payment system 211, and a “customer name (customer Number) ”and“ payment amount ”are provided. Further, in the case of “payment by cashing of electronic money at ATM”, the ATM 212 includes a withdrawal unit that withdraws cash. Also, in the case of “payment with electronic money at ATM”, the ATM 212 can charge the electronic money to a card that can store the electronic money, and the card reader / writer (reading data from the card and transferring it to the card). A device capable of writing data).

  FIG. 7 is a flow diagram of a method for payment by electronic money. Assume that a company having a company system 230 needs to pay a customer having a customer terminal 240.

  In step 701, the customer terminal 240 transmits data indicating that payment is requested to the enterprise system 230. Note that step 701 can be omitted.

  In step 702, the company system 230 includes data indicating that the payment system 211 is requested to issue a receipt ID and password, data for specifying a customer as a payment destination, and an amount paid by the company to the customer. Send the data shown. The receiving ID and password are an ID and a password necessary for cashing and receiving electronic money at an ATM or receiving electronic money at an ATM.

  In step 703, the payment system 211 issues a receipt ID and password, and transmits the issued receipt ID and password to the company system 230.

  In step 704, the enterprise system 230 transmits the receipt ID and password received from the payment system 211 in step 703 to the customer terminal 240. It should be noted that a paper medium such as a salary statement can be used as means for conveying the receipt ID and password to the customer.

  Further, as a method of transmitting the receipt ID and password to the customer, the payment system 211 can transmit the receipt ID and password to the customer terminal 240. In this case, in step 702, the enterprise system 230 notifies the payment system 211 of the customer's email address. Thereafter, the payment system 211 transmits the issued receipt ID and password to the customer terminal 240 based on the notified email address. Thereafter, the process continues to step 705.

  In step 705, the ATM 212 sends the ID and password to the payment system 211. That is, the customer who has received the receipt ID and password at the customer terminal 240 in step 704 operates the ATM 212 and inputs the ID and password. The input ID and password are transmitted from the ATM 212 to the payment system 211. The payment system 211 performs authentication by comparing the ID and password received from the ATM 212 with the receiving ID and password issued in step 703. If the authentication is successful, the process proceeds to step 706. If the authentication fails, the payment system 211 sends data indicating an error to the ATM 212.

  In step 706, the payment system 211 transmits to the ATM 212 data indicating that the authentication has been successful, and data indicating the customer name (customer number) and payment amount corresponding to the authenticated receipt ID and password. The ATM 212 withdraws the amount of cash indicated by the data received from the payment system 211. Alternatively, the ATM 212 charges the card with the amount of electronic money indicated by the data received from the payment system 211.

  In step 706, the payment system 211 uses the amount of electronic money cashed in the ATM 212 or the amount of electronic money charged in the ATM 212 to the electronic money account corresponding to the authenticated receiving ID and password. Decrease from balance.

  FIG. 8 is another flow diagram of a method for payment by electronic money. Assume that a company having a company system 230 needs to pay cash to a customer having a customer terminal 240.

  In step 801, the customer terminal 240 transmits data indicating that payment is requested to the enterprise system 230. Note that step 801 can be omitted.

  In step 802, the company system 230 indicates data indicating that the payment system 211 is requested to issue a login ID and password, data for specifying a customer as a payment destination, and an amount paid by the company to the customer. Send data and. This login ID and password are the login ID and password for the customer who has the customer terminal 240 that sent the payment request in step 801.

  In step 803, the payment system 211 issues a login ID and password, and transmits the issued login ID and password to the company system 230.

  In step 804, the enterprise system 230 transmits the login ID and password received from the payment system 211 in step 803 to the customer terminal 240. It should be noted that a paper medium such as a salary statement can be used as means for conveying the login ID and password to the customer.

  Further, as a method for transmitting the login ID and password to the customer, the payment system 211 can also transmit the login ID and password to the customer terminal 240. In this case, in step 802, the enterprise system 230 notifies the payment system 211 of the customer's email address. Thereafter, the payment system 211 transmits the issued login ID and password to the customer terminal 240 based on the notified email address. Thereafter, the process continues to step 805.

  In step 805, the customer terminal 240 logs into the bank website of the bank system 210. That is, first, the ID and password entered by the customer on the login screen are transmitted from the customer terminal 240 to the payment system 211. The payment system 211 performs authentication by comparing the ID and password received from the customer terminal 240 with the login ID and password issued in step 803. If the authentication is successful, the process proceeds to step 806. If the authentication fails, the payment system 211 transmits data indicating an error to the customer terminal 240.

  In step 806, the payment system 211 issues a receipt ID and password, and transmits the issued receipt ID and password to the customer terminal 240.

  In step 807, the ATM 212 sends the ID and password to the payment system 211. That is, the customer who has received the receipt ID and password at the customer terminal 240 in step 806 operates the ATM 212 and inputs the ID and password. The input ID and password are transmitted from the ATM 212 to the payment system 211. The payment system 211 performs authentication by comparing the ID and password received from the ATM 212 with the receiving ID and password issued in step 806. If the authentication is successful, the process proceeds to step 808. If the authentication fails, the payment system 211 sends data indicating an error to the ATM 212.

  In step 808, the payment system 211 transmits to the ATM 212 data indicating that the authentication has been successful, and data indicating the customer name (customer number) and the payment amount corresponding to the authenticated receipt ID and password. The ATM 212 withdraws the amount of cash indicated by the data received from the payment system 211. Alternatively, the ATM 212 charges the card with the amount of electronic money indicated by the data received from the payment system 211.

  In step 808, the payment system 211 uses the amount of electronic money cashed in the ATM 212 or the amount of electronic money charged in the ATM 212 to the electronic money account corresponding to the authenticated receiving ID and password. Decrease from balance.

  FIG. 9 is a transition diagram of an image screen displayed on the ATM 212. First, a screen such as 901 is displayed on the ATM 212 as a procedure selection screen of the ATM 212. The customer selects “receive (cash)” or “receive (electronic money)”. When “Accept (cash)” or “Accept (electronic money)” is selected, a screen for inputting an ID and a password such as 902 is displayed on the ATM 212. The customer inputs “Reception ID” and “Password”. When the authentication of the ID and password is successful, a screen for confirming the name and the amount of money such as 903 is displayed on the ATM 212.

  FIG. 10 illustrates an exemplary computer 1000 that can be used to implement the present invention. The functions of the bank system 210, the company system 230, and the customer terminal 240 described above can be implemented using the computer 1000. The computer 1000 includes a control unit 1001 such as a CPU, a main storage unit 1002 and an auxiliary storage unit 1003, an input unit 1004, an output unit 1005, and a network interface 1006. The control unit 1001 performs various processes executed in the computer 1000. The main storage unit 1002 is also called a main memory, and stores various received data, programs, data after arithmetic processing by the programs, and the like. The auxiliary storage unit 1003 is a storage device represented by a hard disk (HDD) or the like. The input unit 1004 receives various inputs to the computer 1000, and the output unit 1005 performs various outputs performed by the computer 1000 via a device such as a display or a printer. The network interface 1006 exchanges with external devices.

210 Bank System 211 Payment Money System 212 ATM
230 Corporate System 240 Customer Terminal 301 Login ID / PW Issuance / Management Unit 302 Login Accepting Unit 303 Receiving ID / PW Issuing / Management Unit 304 ID / PW Management Database 305 Contract Database 306 Electronic Money Account Management Database 307 Electronic Money Payment Unit 308 Data transmission / reception unit 1000 Computer 1001 Control unit 1002 Main storage unit 1003 Auxiliary storage unit 1004 Input unit 1005 Output unit 1006 Network interface

Claims (9)

A system for payment using electronic money, the system being connected to an ATM,
Means for receiving the payment amount;
Means for issuing a receipt ID and password;
Means for verifying the ID and password received from the ATM with the receiving ID and password;
A means for notifying the ATM of the payment amount if the receipt ID and password verification match;
And a means for reducing the payment amount with respect to the balance of the electronic money account of the payment source. A means for issuing a login ID and password;
Means for comparing the ID and password received from the customer terminal with the login ID and password;
The system according to claim 1, wherein the receipt ID and the password are issued when the login ID and the password are matched. Means for receiving a payment method from the ATM;
The payment method according to claim 1, further comprising: means for causing the ATM to withdraw cash corresponding to the payment amount when the received payment method is payment by cashing electronic money. The described system. Means for receiving a payment method from the ATM;
3. The system according to claim 1, further comprising: a unit that charges the ATM with electronic money corresponding to the payment amount when the received payment method is payment with electronic money. A method for payment using electronic money,
Receiving a payment amount;
Issuing a receipt ID and password;
Checking the ID and password received from the ATM against the receiving ID and password;
If the receipt ID and password verification match, notifying the ATM of the payment amount;
Reducing the payment amount with respect to the balance of the electronic money account of the payment source. Issuing a login ID and password;
Further comprising the step of collating the ID and password received from the customer terminal with the login ID and password,
6. The method according to claim 5, wherein the step of issuing the receiving ID and password is performed when the verification of the login ID and password matches. Receiving a payment method from the ATM;
7. The method according to claim 5, further comprising: causing the ATM to withdraw cash corresponding to the amount of payment when the received payment method is payment by cashing electronic money. the method of. Receiving a payment method from the ATM;
7. The method according to claim 5, further comprising: charging the ATM with electronic money corresponding to the payment amount when the received payment method is payment with electronic money.   The program for making a computer perform the method in any one of Claim 5 to 8.

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