JP2015203949A - Account linking type real-time card payment system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To achieve real-time card payment which is linked with an account of a banking institution, without making a large-scale modification in a backbone system of the banking institution.SOLUTION: In a real-time card payment system, a backbone server 10 of a banking institution includes: a dedicated account setting section 11 for setting a separate deposit account or an ordinary deposit account opened for a card user as a prepaid dedicated account; and an automatic withdrawal processing section 13 for making a withdrawal by an amount paid in the prepaid dedicated account to a receiving account of a card issuing company. Further, in the system, a card management server 20 of the card issuing company and the like includes an approval processing section 21 for monitoring the prepaid dedicated account and when detecting a payment, making approval and settling the paid amount as a payable amount in the card payment. Real-time payment can be achieved by only setting the separate deposit account and the like originally provided in the banking institution as the prepaid dedicated account, and building a mechanism in which the prepaid dedicated account is monitored by the card management server 20.

Description

  BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an account-linked card immediate payment system, and is particularly suitable for use in a system configured to perform payment by linking a core server of a financial institution and a card management server of a card issuing company. It is.

  2. Description of the Related Art Conventionally, prepaid electronic money that is recorded (charged) on an IC card or the like owned by a user and can be used like cash at a store or the like has been used. Conventionally, a mechanism for charging cash information into an IC card by inserting cash from a dedicated terminal prepared by a card issuing company has been the mainstream. On the other hand, in recent years, a mechanism for charging an arbitrary amount of money information from a bank deposit account to an IC card and a mechanism for charging money information to an IC card by credit card settlement are also provided (for example, patents). Reference 1).

  There is a debit card as a type of card that can be used by directly deducting the purchase amount of goods from a bank deposit account. There are online and offline debit cards. Unlike online credit cards and offline debit cards, online debit cards, which are currently mainstream, have the advantage that they do not require credit because they are immediately paid from a bank account (withdrawal almost simultaneously).

  In recent years, credit card issuers are increasingly entering the debit card business. Overseas, international brand debit cards have grown into a market that surpasses credit cards, and the trend is gradually rushing to Japan. Therefore, international brand debit cards are expected to become a new financial infrastructure in Japan.

  However, in order for a financial institution to enter the debit card business, in order to manage the balance of the deposit account, a large-scale modification is necessary for the backbone system of the financial institution, which requires enormous costs. Therefore, there was a problem that it was a high hurdle for service introduction.

JP 2006-65620 A

  The present invention has been made to solve such a problem, and without making a major modification to the backbone system of a financial institution, an immediate settlement of a card linked to an account of the financial institution (no credit is required). The purpose is to enable settlement.

  In order to solve the above-described problems, in the present invention, in a backbone server of a financial institution, a separate deposit account or a savings account opened separately from a normal deposit account for a card user is used as a prepaid dedicated account for the card. Set as. Then, the amount deposited from the card user to the prepaid dedicated account is withdrawn to a storage account established for the card issuing company. If the financial institution also serves as a card issuing company, it is stored in a specific account. On the other hand, the card management server of the card issuer or a third party institution outsourced by the same company monitors the prepaid account of the financial institution and approves when it detects that the deposit has been made, The amount that can be settled by card is fixed.

  According to the present invention configured as described above, when a card user deposits a desired amount into a prepaid dedicated account (another deposit account or a savings account) of a financial institution, the card issuer or the company receives a business consignment. Approval of payment is performed by the monitoring performed for the prepaid dedicated account from the card management server of the third company organization. As a result, assuming that the amount of money deposited in the prepaid dedicated account is charged to the card, the card payment for that amount is made possible. Thereafter, the charged amount is withdrawn from the prepaid dedicated account to the storage account of the card issuing company.

  The financial institution originally has a separate deposit account or a savings account and a storage account, and deposit processing and withdrawal processing for these accounts are processing that can be normally performed in the backbone server. According to the present invention, it is only necessary to set up a separate deposit account or a savings account as a prepaid account, and to build a mechanism for monitoring the prepaid account from the card management server. (Settlement) can be performed. In other words, it is possible to make an immediate settlement of a card linked to an account of a financial institution without making a major change to the backbone system of the financial institution.

It is a block diagram which shows the example of a function structure of the account interlocking | linkage card immediate payment system by this embodiment.

  Hereinafter, an embodiment of the present invention will be described with reference to the drawings. FIG. 1 is a block diagram illustrating a functional configuration example of an account-linked card immediate payment system according to the present embodiment. As shown in FIG. 1, the card immediate settlement system of this embodiment includes a core server 10 provided in a financial institution such as a bank, and a card management server provided in a card issuing company or a third company institution outsourced by the same company. 20, and both systems 10 and 20 are configured to be connectable via a communication network such as the Internet.

  The backbone server 10 includes a dedicated account setting unit 11, a deposit processing unit 12, and a withdrawal processing unit 13 as its functional configuration. The card management server 20 includes an approval processing unit 21 and a charge balance management unit 22 as functional configurations. Each of these functional blocks is actually configured by including a CPU, RAM, ROM, etc. of a computer, and is realized by operating a program stored in a recording medium such as RAM, ROM, hard disk or semiconductor memory.

  The dedicated account setting unit 11 of the backbone server 10 provides a separate deposit account or a savings account opened separately from the normal deposit account (main account such as a savings account) 101 for the card member who is a card user. Set as a prepaid account 102 for the card. The extra deposit is one of bank account types such as a savings account and a checking account. Generally, a separate deposit account is used to process temporary funds when a company is established or a capital is increased. In this embodiment, this extra deposit is used as the prepaid dedicated account 102. Further, not only a separate deposit account, but also an ordinary deposit account different from the main account can be used as the prepaid dedicated account 102.

  The deposit processing unit 12 performs processing related to deposit (charging) for the prepaid dedicated account 102. The deposit to the prepaid dedicated account 102 is made from a normal deposit account 101 held by the same holder, a transfer from the ordinary deposit account 101 held by a different holder, an ATM (automated teller machine) or a bank window. Any method of deposit or transfer by cash is possible.

  The withdrawal processing unit 13 performs processing for withdrawing the amount deposited in the prepaid dedicated account 102 to the storage account 103 opened as an ordinary deposit or a checking account with respect to the credit card issuing company. If the financial institution also serves as a card issuing company, it is stored in a specific account. Here, the withdrawal processing unit 13 performs withdrawal from the prepaid dedicated account 102 to the storage account 103 by batch processing at every first time interval (for example, every day). As an example, it is preferable to carry out the withdrawal process of the entire amount from each prepaid dedicated account 102 to the storage account 103 at night when banking operations are not performed.

  The approval processing unit 21 of the card management server 20 monitors (accesses and inquires) the prepaid dedicated account 102 of the financial institution, and when it is detected that the deposit has been made, the approval (authorization) is performed and the card can be settled. To determine the correct amount. That is, the approval processing unit 21 increases the charge balance set in the user-specific charge balance storage unit 201 by an amount determined by the approval. Here, the approval processing unit 21 periodically monitors the prepaid dedicated account 102 every second time interval (for example, every 5 minutes) shorter than the first time interval.

  The user-specific charge balance storage unit 201 indicates, for each card user, user identification information (for example, an account number) for identifying each user and the balance of the amount charged for each user. The charge balance information is stored in association with each other. When the approval processing unit 21 accesses the prepaid dedicated account 102 and inquires about the payment status, the authorization processing unit 21 acquires the user identification information of the card user who holds the prepaid dedicated account 102 that has received the deposit and the amount information of the deposit. To do. Then, the charge balance of the card user indicated by the user identification information is increased by the amount indicated by the amount information.

  The card user can make an immediate card settlement without credit within the limit of the charge balance set in the charge balance storage unit 201 for each user. When the card user uses the charged amount at the store for payment for product purchase, payment information is sent to the card management server 20 from the POS terminal of the store or a dedicated reader terminal. The charge balance management unit 22 deducts the purchase amount indicated by the settlement information from the charge balance set in the user-specific charge balance storage unit 201.

  As described above in detail, in this embodiment, in the backbone server 10 of the financial institution, a separate deposit account or a savings account is set as the prepaid dedicated account 102 for each bank account in the name of the card user. Then, when the user wants to charge the card with a monetary value, the prepaid account 102 is temporarily credited. In addition, the prepaid dedicated account 102 is periodically monitored from the card management server 20 of the card issuing company or the third party organization entrusted by the card company, and if the deposit is received, the card is immediately regarded as being charged. Make it available for payment. Thereafter, the core server 10 deducts from the prepaid account 102 to the storage account 103 of the card issuing company by daily batch processing.

  According to the present embodiment configured as described above, a separate deposit account or a savings account originally owned by a financial institution is set as the prepaid dedicated account 102, and the prepaid dedicated account 102 is monitored from the card management server 20. It is possible to make a state in which an immediate card payment (credit-free payment) can be performed simply by constructing a mechanism for performing the payment. That is, it becomes possible to make an immediate settlement of a card linked to an account of a financial institution without making a major modification to the basic system including the backbone server 10 of the financial institution.

  In addition, the said embodiment is only what showed the example of actualization in implementing this invention, and, as a result, the technical scope of this invention should not be interpreted limitedly. That is, the present invention can be implemented in various forms without departing from the gist or the main features thereof.

DESCRIPTION OF SYMBOLS 10 Core server of financial institution 11 Dedicated account setting part 12 Deposit processing part 13 Debit processing part 20 Card management server of the card issuer or third party company which received business consignment from the company 21 Approval processing part 22 Charge balance management part 101 Normal deposit account 102 Prepaid dedicated account (separate deposit account or savings account)
103 Storage Account 201 Charge Balance Storage Unit by User

Claims (2)

A system comprising a core server of a financial institution and a card management server of a third-party organization that has received a business consignment from a card issuing company or the company,
The backbone server is
A dedicated account setting unit for setting a separate deposit account or a savings account opened separately from a normal deposit account for a card user as a prepaid dedicated account for the card,
A withdrawal processing unit that withdraws the amount deposited in the prepaid dedicated account to a storage account established for the card issuing company;
The card management server
Immediate account-linked card payment, characterized by an approval processing unit that monitors the above-mentioned prepaid account and approves and confirms as an amount that can be settled by card when it is detected that a deposit has been made system. The withdrawal processing unit performs withdrawal to the storage account by batch processing at each first time interval,
2. The account-linked card according to claim 1, wherein the approval processing unit periodically monitors the prepaid account every second time interval shorter than the first time interval. Instant payment system.

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