JP2016126615A - Account information registration device, store management device, account information registration method, store management method, program and method for setting transfer settlement in online shopping mall - Google Patents

Abstract

PROBLEM TO BE SOLVED: To make a website of an official online shopping mall easily discernible, thereby improving security.SOLUTION: Reception means (101) of the account information registration device (10) is an account exclusive for bank transfer reception opened by an operator of an online shopping mall in a branch dedicated for the online shopping mall, and receives account opening data for opening an account exclusive for bank transfer reception for stores that pass an examination for new store opening in the online shopping mall, from a store management device (20) of the operator. Registration means (102) registers transfer-dedicated account information which indicates an account exclusive for bank transfer reception in the branch opened on the basis of the account opening data, in association with actual account information that indicates the operator's actual account into which transfer money for the account exclusive for bank transfer reception is transferred, in a database. Restriction means (103) restricts opening of an account in the branch by anyone other than a store that pass the examination for new store opening.SELECTED DRAWING: Figure 3

Description

  The present invention relates to an account information registration device, a store management device, an account information registration method, a store management method, a program, and a transfer settlement setting method in an online shopping mall.

  2. Description of the Related Art Conventionally, a technology is known for a customer who purchases a product at a store in an online shopping mall to pay the price. For example, in the electronic commerce system described in Patent Document 1, when a customer purchases a product at each store, the customer pays with a payment method selected by the customer from bank transfer, credit card, cash on delivery, etc. Can do.

JP 2011-175585 A

  In the technology as described above, the existence of a malicious website posing as a regular online shopping mall is a problem. For example, there is a website in which the contents of a regular website are copied and only the account name of the transfer destination is rewritten. Even if a user orders a product from this website, the product does not reach the user. For this reason, for example, when the user transfers the price of the product to the bank account guided on this website, the transfer is deceived by a malicious third party.

  The user needs to determine whether the website is a legitimate website so that the transfer money cannot be tricked. However, a malicious third party may create a website that resembles a legitimate website. For example, if a malicious third party creates a website in which a logo or layout of a legitimate website is copied as it is, it is difficult to discriminate the appearance of the website.

  For example, since the domain name of a legitimate website and the domain name of a malicious website are not the same, if the user carefully checks the domain name, it can be discriminated. However, a malicious third party may use a domain name that is similar to the domain name of a legitimate website. For example, a malicious third party uses a domain name that is one letter different from the legitimate domain name (for example, a domain that differs only in “.” Or “-”), or a word that is confused with the legitimate domain name (for example, If you use a domain name with "ichiba" or "payment") added, it will be difficult to distinguish even if you look at the domain name. In addition, for example, a regular shopping mall operator may use a plurality of domain names. In this case, the discrimination becomes more difficult.

  For example, on a malicious website, a bank account for fraudulent transfer is displayed, so the user can determine whether it is a legitimate website by checking the account holder of this bank account. I can think of it for the time being. However, since a malicious third party may open a bank account with an account holder disguised as a legitimate store, it is difficult to discriminate even by looking at the account holder.

  For example, even if a malicious third party opens an account at the same bank as a legitimate store, the account number of the malicious third party will not be the same as the legitimate store's account number. It is also conceivable for the user to determine whether the website is a legitimate website by checking the account number displayed on the website. However, in this case, the user has to keep a regular store account number and check it one by one. In general, a difference in a numeric string may be less noticeable than a difference in a character string, and it is difficult to discriminate only with an account number that is a simple numeric string.

  An object of the present invention is to improve security by making it possible to easily determine whether a website is a legitimate online shopping mall.

  In order to solve the above-mentioned problem, an account information registration device according to the present invention is a transfer-dedicated account opened by an operator of the online shopping mall in a branch dedicated to online shopping malls, to the online shopping mall Within the branch, which is opened based on the account opening data, and receiving means for receiving, from the store management device of the operator, account opening data for opening a transfer-dedicated account for a store that has passed the store opening examination Registration means for registering in the database the transfer-dedicated account information indicating the transfer-dedicated account in association with the actual account information indicating the real account of the operator for transferring the transfer money to the transfer-dedicated account, and the store opening examination Restricting means for restricting the opening of an account other than the store that has passed the above in the branch.

  In one aspect of the present invention, the registration unit registers the transfer-dedicated account information in the database in association with the real account information indicating the real account of the operator in the branch. To do.

  In one aspect of the present invention, the registration unit registers the transfer-dedicated account information including information capable of identifying the store.

  In one aspect of the present invention, the receiving means receives the account opening data including information indicating the name of the store, and the registration means is a name including the name of the store and the name of the operator. The transfer-dedicated account information indicating the person's transfer-dedicated account is registered.

  Further, in one aspect of the present invention, the account information registration device is configured to acquire information indicating an actual account of each store in the online shopping mall, and to transfer to the transfer dedicated account of the store in the online shopping mall. Means for executing a process for transferring a part or all of the transfer money transferred to the real account of the operator to the real account of the store when money is transferred. .

  Further, the store management device according to the present invention is a store management device connected to the account information registration device according to any of the above to enable data transmission / reception, and the store that has applied for opening a store in the online shopping mall Means for transmitting the account opening data for opening the transfer-dedicated account of the store to the account information registration device when the store opening examination is passed, and a settlement method that can be handled at each store in the online shopping mall And a means for restricting setting an account other than the transfer-dedicated account of the store as an account for transfer settlement of the store.

  Further, the account information registration method according to the present invention is a transfer-dedicated account opened by an operator of the online shopping mall in a branch dedicated to the online shopping mall, and has passed the store opening examination to the online shopping mall. A reception step of receiving account opening data for opening a transfer-dedicated account for a store from the store management device of the operator, and the transfer-dedicated account in the branch that is opened based on the account opening data A registration step of registering in the database in association with real account information indicating the real account of the operator for transferring the transfer money to the transfer dedicated account, and a store other than the store that passed the store opening examination And a restricting step for restricting the opening of an account in the branch.

  Further, the store management method according to the present invention is opened by an operator of the online shopping mall in a branch dedicated to the online shopping mall when a store that has applied for opening a store in the online shopping mall passes the store opening examination. A step for transmitting account opening data for opening a transfer-dedicated account for the store to the account information registration device, and a settlement method that can be handled at each store in the online shopping mall And a step of restricting setting an account other than the transfer-dedicated account of the store as an account for transfer settlement of the store.

  Further, the program according to the present invention is a transfer-dedicated account opened by an operator of the online shopping mall in a branch dedicated to the online shopping mall, and for stores that have passed the store opening examination to the online shopping mall. Receiving means for receiving account opening data for opening a transfer-dedicated account from the store management device of the operator, a transfer-dedicated account indicating the transfer-dedicated account in the branch, which is established based on the account opening data Registration means for registering information in a database in association with real account information indicating the real account of the operator for transferring the transfer money to the transfer dedicated account, an account other than the store that has passed the store opening examination in the branch The computer is made to function as a restricting means for restricting establishment of the computer.

  In addition, the program according to the present invention, when a store that has applied for opening a store in the online shopping mall passes a computer connected to the computer so that data can be transmitted and received, the store-dedicated account of the store is In the setting screen for setting the means for transmitting the account opening data to be opened to the account information registration device, and a payment method that can be handled at each store in the online shopping mall, the transfer-dedicated account of the store It is made to function as a means which restrict | limits setting an account other than to the account for the transfer settlement of the said store.

  In addition, in the online shopping mall operator's store management device according to the present invention, in the online shopping mall operator's store management device, if the store that has applied for opening a store in the online shopping mall passes the store opening examination, a financial institution In addition, in the branch dedicated to the online shopping mall, the bank opening dedicated account opened by the operator of the online shopping mall, the account opening data for opening the transfer dedicated account for the store, the financial institution A transmitting step for transmitting to the account information registration device; a receiving step for receiving the account opening data from the store management device in the account information registration device; and a receiving step for receiving the account opening data from the store management device based on the account opening data. Opened account for the transfer within the branch A registration step of registering in the database in association with real account information indicating the real account of the operator for transferring the transfer money to the transfer dedicated account, and in the account information registration device, the store opening A setting step for setting a settlement method that can be handled in each store in the online shopping mall in the store management device in a restricting step that limits opening an account other than a store that has passed examination in the branch And limiting the setting of an account other than the transfer-dedicated account of the store to the account for transfer settlement of the store.

  Moreover, in one aspect of the present invention, in the account information registration device, a step of obtaining information indicating an actual account of each store in the online shopping mall, and a transfer to the transfer dedicated account of the store in the online shopping mall A step of transferring a part or all of the money transferred to the real account of the operator to the real account of the store when money is transferred. .

It is a figure which shows an example of the whole structure of embodiment. It is a figure which shows the outline | summary of bank transfer settlement. It is a figure which shows the function implement | achieved in this embodiment. It is a figure which shows the data storage example of real account master data. It is a figure which shows the example of a data storage of transfer exclusive account master data. It is a figure which shows the data storage example of branch master data. It is a figure which shows the example of data storage of transfer account history data. It is a figure which shows the data storage example of real account history data. It is a figure which shows the example of data storage of shop master data. It is a figure which shows an example of a payment method setting screen. It is a figure which shows an example of the payment method setting screen in the case of editing the content of bank transfer payment. It is a figure which shows store processing. It is a figure which shows an example of a new store opening screening result input screen. It is a figure which shows a transfer process. It is a figure which shows an example of the payment method selection screen.

[1. overall structure]
Hereinafter, an example of an embodiment concerning the present invention is described in detail based on a drawing. FIG. 1 is a diagram illustrating an example of the overall configuration of the embodiment. As shown in FIG. 1, in the present embodiment, each of a bank system 1, an online shopping mall system 2, a store terminal 30, and a customer terminal 40 are connected via a network so that data can be transmitted and received.

  The bank system 1 includes one or a plurality of computers, executes various processes related to services such as Internet banking, and manages various information such as bank accounts. The bank system 1 is under the control of a bank (an example of a financial institution). In the present embodiment, the bank system 1 includes an account information registration device 10. Here, although a bank is mentioned as an example of a financial institution, a credit union or a labor union may be used.

  The account information registration device 10 is a server computer and includes a control unit 11, a storage unit 12, and a communication unit 13. The control unit 11 includes, for example, one or a plurality of microprocessors. The storage unit 12 includes, for example, a main storage unit such as a RAM (Random Access Memory) and an auxiliary storage unit such as a hard disk. The control unit 11 executes processing according to programs and data stored in the storage unit. The communication unit 13 includes a network card, and can transmit and receive data to and from the outside via the network.

  The online shopping mall system 2 includes one or a plurality of computers, and executes various processes for a customer to purchase a product, and manages various information such as stores in the online shopping mall. The online shopping mall system 2 is under the management of an online shopping mall operator. The online shopping mall system 2 includes a store management device 20. In the present embodiment, the online shopping mall includes a store that is operated with a personality different from that of the operator. However, the online shopping mall may include a store operated by the operator itself.

  The store management apparatus 20 is a server computer and includes a control unit 21, a storage unit 22, a communication unit 23, an operation unit 24, and a display unit 25. The hardware configuration of the control unit 21, the storage unit 22, and the communication unit 23 is substantially the same as that of the control unit 11, the storage unit 12, and the communication unit 13, and thus the description thereof is omitted. The operation unit 24 is an input device, such as a mouse, a keyboard, or a touch panel. The display unit 25 is a display that displays various screens.

  The store terminal 30 is a computer operated by store staff. The store terminal 30 is, for example, a personal computer or a portable terminal, and includes a control unit 31, a storage unit 32, a communication unit 33, an operation unit 34, and a display unit 35. Since these hardware configurations are substantially the same as those of the control unit 21, the storage unit 22, the communication unit 23, the operation unit 24, and the display unit 25, description thereof will be omitted.

  The customer terminal 40 is a computer operated by a customer. The customer terminal 40 is, for example, a personal computer or a portable terminal, and includes a control unit 41, a storage unit 42, a communication unit 43, an operation unit 44, and a display unit 45. Since these hardware configurations are substantially the same as those of the control unit 21, the storage unit 22, the communication unit 23, the operation unit 24, and the display unit 25, description thereof will be omitted.

  Note that general hardware may be applied to each computer described above, and the hardware configuration is not limited to the above example. For example, the computer may include a reading unit for reading an information storage medium. Further, the program and data described as being stored in each computer may be supplied from a computer-readable information storage medium (for example, a memory card) or via a network. It may be supplied.

[2. Overview of bank transfer settlement]
The customer operates the customer terminal 40 to purchase a product at each store in the online shopping mall. The customer can select an arbitrary method from among the payment methods handled by the store (for example, bank transfer, credit card payment, and cash on delivery) in order to pay for the goods and the shipping fee. The case where the customer makes a bank transfer will be described.

  FIG. 2 is a diagram showing an outline of bank transfer settlement. In the present embodiment, the bank that operates the bank system 1 is described as “XXX bank”, the online shopping mall operator is described as “YYY Corporation”, and the name of the online shopping mall is described as “YYY market”. . As shown in FIG. 2, the XXX bank has a YYY market branch which is a branch dedicated to YYY Corporation. The YYY market branch will be opened upon application from YYY Corporation. In the present embodiment, it is assumed that the establishment of a branch is performed by application and does not require special examination. For example, in order to open a branch at XXX Bank, it is only necessary to notify the government, and no authorization is required before the branch is opened.

  YYY Market Branch is a branch dedicated to YYY Corporation, so if you have permission from YYY Corporation, you can open an account in YYY Market Branch, but if you do not have permission from YYY Corporation, you will have an account in YYY Market Branch. Cannot be opened. In other words, a third party cannot open an account in the YYY market branch without permission. In this embodiment, a real account of YYY Co., Ltd. is established in advance in the YYY market branch. Real accounts can be withdrawn and deposited by account holders.

  In addition, as shown in FIG. 2, in the YYY market branch of XXX Bank, a transfer-dedicated account for the store is opened for each store opening in the online shopping mall. The account dedicated for transfer is under the control of YYY Co., Ltd., and is restricted as compared with an actual account so that it cannot be withdrawn or deposited by an account holder, for example. The bank transfer account is used for bank transfer payments from store customers. That is, as a rule, the bank account for transfer is not used for bank transfer payments from customers at other stores.

  A transfer-only account in the YYY market branch is opened when the store passes the store opening examination. For example, a store that wants to open a store in an online shopping mall makes a predetermined store opening application to YYY Corporation. YYY Co., Ltd. conducts store opening examination for stores that have applied for store opening. If the store passes the store opening examination, YYY Co., Ltd. permits the transfer-only account for the store to be opened in the YYY market branch. On the other hand, if the store does not pass the store opening examination, YYY Co., Ltd. does not allow a transfer-only account for the store to be opened in the YYY market branch.

  In this embodiment, since a transfer-dedicated account is opened in the YYY market branch for each store in the online shopping mall, there is a one-to-one relationship between the transfer-dedicated account of the YYY market branch and the store. On the other hand, since a plurality of customers make transfers to the store-dedicated account, the YYY market branch account and the customer have a one-to-many relationship.

  For example, when a customer purchases a product in the store A, the bank transfer exclusive account of the store A in the XXX bank YYY market branch is guided to the customer as a bank account of the transfer destination. The customer operates the ATM or the like to transfer the price of the product and the shipping fee to the store A transfer account. The money transferred to the bank A dedicated bank account is transferred to a real account of YYY Co., Ltd. in the XXX Bank YYY market branch. After that, the transfer money to the real account of YYY Co., Ltd. is deducted from the transfer fee etc. if necessary, and then the real account of store A (in the example shown in FIG. 2, the real account of “XXX Bank ZZZ Branch”) ). Thereby, the store A can receive the price of goods and a mailing cost. That is, the transfer-dedicated account is an account to which transfers are made from a large number of customers at each store, but since actual payment is made to a real account associated with the transfer-dedicated account, a virtual account It can be said. However, as described above, the transfer-dedicated account of the present embodiment is a virtual account that has a one-to-one relationship with a store and a one-to-many relationship with a customer.

  The bank transfer settlement of each of the stores B to D is performed in the same flow as the store A. In addition, the real account of each store does not need to be XXX bank like store A, and may be another bank like stores BD.

  As described above, in the present embodiment, the bank account into which the customer pays the price of the product and the shipping fee is not a real account of each store, but a transfer-dedicated account in “XXX Bank YYY Market Branch”. As mentioned above, since a malicious third party cannot open an account in the “XXX Bank YYY Market Branch” without permission, it is assumed that a customer has accessed a malicious website. However, the bank account guided on the website is an account other than “XXX Bank YYY Market Branch”. Therefore, in this embodiment, if the branch name of the bank account guided on the website is “XXX Bank YYY Market Branch”, the customer can determine that the website is a regular YYY market website, and “XXX Bank Other than “YYY Market Branch”, the customer can determine that the website is malicious. Hereinafter, details of this technique will be described.

[3. Functions realized in this embodiment]
FIG. 3 is a diagram illustrating functions realized in the present embodiment. As shown in FIG. 3, here, functions realized by the account information registration device 10 and the store management device 20 will be described.

[3-1. Functions realized in the account information registration device]
The account information registration device 10 includes a data storage unit 100, a reception unit 101, a registration unit 102, a restriction unit 103, an acquisition unit 104, and an execution unit 105. The data storage unit 100 is realized mainly by the storage unit 12. The receiving unit 101 is realized mainly by the control unit 11 and the communication unit 13. The registration unit 102, the restriction unit 103, the acquisition unit 104, and the execution unit 105 are realized mainly by the control unit 11.

[3-1-1. Data storage unit]
The data storage unit 100 stores various data necessary for the transfer process. Here, as an example of data stored in the data storage unit 100, real account master data, transfer-dedicated account master data, branch master data, transfer-dedicated account history data, and real account history data will be described.

  FIG. 4 is a diagram illustrating an example of data storage of real account master data. The real account master data is master data indicating a real account opened at the XXX bank. As shown in FIG. 4, the actual account master data includes the branch code of the actual account, the deposit type of the actual account, the account number of the actual account, the holder of the actual account, the account type of the actual account, and the account balance of the actual account. Etc. are stored in association with each other. When an actual account is opened at XXX bank, or when transfer, withdrawal, or deposit is performed, the actual account master data is updated.

  FIG. 5 is a diagram illustrating a data storage example of the bank account master data dedicated for transfer. The transfer-dedicated account master data is master data indicating a transfer-dedicated account established at XXX Bank. As shown in FIG. 5, the transfer-dedicated account master data includes the branch code of the transfer-dedicated account, the deposit type of the transfer-dedicated account, the account number of the transfer-dedicated account, the holder of the transfer-dedicated account, and the actual account of YYY Corporation. A branch code (in this embodiment, YYY market branch), a deposit type of a real account of YYY Corporation, and an account number of a real account of YYY Corporation are stored in association with each other. Thereby, it becomes possible to associate the information on the bank transfer dedicated account of each store with the information on the real account of the online shopping mall operator. In addition, the bank account for remittance account, the bank code of the remittance destination, the branch code of the remittance destination, the deposit type of the remittance destination, the account number of the remittance destination, the name of the remittance destination, etc. Stored in association. The remittance destination here means a real account of the store corresponding to the account dedicated to transfer. When a transfer-dedicated account is opened or a real account of a store is changed, the transfer-dedicated account master data is updated. In this case, in order to clearly distinguish the data items, the transfer from the customer to the transfer-dedicated account is referred to as “transfer” as it is, and from the online shopping mall operator's real account corresponding to the transfer-dedicated account to the store's real account The transfer to is called "Remittance".

  FIG. 6 is a diagram illustrating a data storage example of branch master data. The branch master data is master data indicating a branch established in a bank. As shown in FIG. 6, the branch master data stores a branch code, a branch name, a branch classification, and the like in association with each other. When a branch is established at a bank, the branch master data is updated. In the present embodiment, only the account of the person who established the branch (that is, YYY Co., Ltd.) can be opened at the branch where the branch classification is dedicated.

  FIG. 7 is a diagram showing an example of data storage of transfer-dedicated account history data. The transfer-dedicated account history data is data indicating the past transaction contents of the transfer-dedicated account in the YYY market branch of XXX Bank. As shown in FIG. 7, the transfer-only account history data includes transfer date / time, transfer person name, transfer amount, transfer destination branch code, transfer destination deposit type, transfer destination account number, transfer destination holder, and store. A remittance flag and the like are stored in association with each other. When a transaction is made in a transfer dedicated account in the YYY market branch of XXX Bank, the transfer dedicated account history data is updated.

  FIG. 8 is a diagram illustrating a data storage example of actual account history data. The actual account history data is data indicating the past transaction contents of the actual account opened at the XXX bank. As shown in FIG. 8, the actual account history data includes the branch code of the actual account and the deposit type of the actual account. The account number of the real account, transaction date and time, transaction type, additional information, transaction amount and the like are stored in association with each other. When a transaction (deposit, withdrawal, transfer, remittance, etc.) in a real account of XXX Bank is performed, the real account history data is updated. Further, as shown in FIGS. 7 and 8, in the present embodiment, when a transfer is made to a transfer-dedicated account, actual account history data is generated corresponding to the transfer-dedicated account history data.

  At this time, in the example shown in FIG. 8, the additional information stores the name of the transfer person, but the additional information includes information about the account dedicated to the transfer (for example, the branch code of the account dedicated to the transfer, the deposit type of the account dedicated to the transfer, the transfer The account number of the dedicated account and the holder of the dedicated account for transfer) may also be included. As a result, it becomes possible to associate the information of the account dedicated to transfer of each store with the information of the actual account of the online shopping mall operator using the record of the actual account history data and the record of the account dedicated to transfer history data. .

  The data stored in the data storage unit 100 is not limited to the above example. For example, the data storage unit 100 may store data related to each store (for example, store ID and transfer timing of each store). Moreover, each said data can be stored in the data storage part 100 as each table of a relational database, for example.

[3-1-2. Receiver]
The receiving unit 101 is a transfer-only account opened by YYY Co., Ltd. in the YYY market branch, and provides account opening data for opening a transfer-only account for stores that have passed the store opening examination to the online shopping mall. , Received from the store management device 20 of YYY Corporation.

  For example, the account opening data includes information indicating a store name (for example, a character string indicating the store name). In the present embodiment, the account opening data includes the name of the bank account for the transfer, the bank code of the remittance destination, the branch code of the remittance destination, the deposit type of the remittance destination, the account number of the remittance destination, the holder of the remittance destination, and the remittance timing. Contains information indicating. The remittance timing is the remittance timing from the actual account of YYY Co., Ltd. to the actual account of the store, for example, a predetermined date that is visited every month.

[3-1-3. Registration Department]
The registration unit 102 establishes the transfer-dedicated account information indicating the transfer-dedicated account in the YYY market branch, which is established based on the account opening data, and the actual account of YYY Co., Ltd. In the embodiment, it is registered in the bank transfer dedicated account data in association with the actual account information indicating the actual account of YYY Co., Ltd. in the YYY market branch.

  In the present embodiment, a case will be described in which the branch code of the transfer dedicated account, the deposit type of the transfer dedicated account, the account number of the transfer dedicated account, and the holder of the transfer dedicated account correspond to the transfer dedicated account information. However, the transfer-dedicated account information may include other information related to the transfer-dedicated account. In the present embodiment, the case where the branch code of the real account, the deposit type of the real account, and the account number of the real account correspond to the real account information will be described as an example. Other information about the company's real account may be included.

  For example, the registration unit 102 registers transfer-dedicated account information including information that can identify a store. The information that can identify the store is, for example, information that uniquely identifies the store, and is information that has a one-to-one relationship with the store. The store transfer account, the store name, the store ID, and the like correspond to information that can identify the store.

  Further, for example, the registration unit 102 registers transfer-dedicated account information indicating the transfer-dedicated account of the holder including the name of the store and the name of YYY Corporation. In this embodiment, the store name is added after the name of YYY Co., Ltd. to the holder of the account for transfer. The name holder includes a predetermined character string, and the name of the YYY Co., Ltd. and the name of the store are easily identified by the character string.

[3-1-4. Restriction section]
The restricting unit 103 restricts (prohibits) opening an account other than the store that has passed the store opening examination in the YYY market branch. The term “other than the store that has passed the store opening examination” means both stores other than YYY Co., Ltd. that have not passed the store opening examination and those who have not made the store opening application itself. The restriction unit 103 restricts the opening of a real account and a transfer-dedicated account in the YYY market branch. For example, the restriction unit 103 restricts the opening of an account as follows.

  For example, even if the restricting unit 103 receives account opening data from a computer other than the computer of YYY Corporation (for example, the store management apparatus 20), it does not open an account in the YYY market branch. In this case, information (for example, IP address and authentication information) for identifying the computer of YYY Corporation is stored in the data storage unit 100, and the restriction unit 103 can identify the computer of YYY Corporation. . When the account opening data is received from the computer of YYY Corporation, the restriction unit 103 does not open the account at the YYY market branch, but when the account opening data is received from the computer of YYY Corporation, the restriction unit 103 opens the account at the YYY market branch. Allow to do.

  For example, the restriction unit 103 does not receive account opening data for opening an account in the YYY market branch from a computer other than the computer of the YYY Corporation (for example, the store management apparatus 20). Even if a session with a computer other than YYY Corporation's computer is established, restriction unit 103 does not start an application for receiving account opening data, and an account is opened when a session with YYY Corporation's computer is established. Launch an application to receive data.

  For example, the restricting unit 103 does not display an image for selecting a YYY market branch on an account opening screen for a customer of XXX bank to open an account. The account opening screen is a screen for a customer who applies for opening an account to XXX Bank to input application details. On the account opening screen, a plurality of branches stored in the branch master data are displayed as candidates of branches for which the customer desires to open an account. The restriction unit 103 performs display control so as to exclude the YYY market branch from this candidate. Note that the branches excluded from the candidates are those for which the branch classification of the branch master data in FIG. 6 is “dedicated”.

  The restriction unit 103 may display the YYY market branch as a candidate for a branch that the XXX bank customer desires to open an account on the account opening screen. The selected YYY market branch cannot be selected. For example, the restricting unit 103 grays out the YYY market branch and displays it on the account opening screen.

  Further, the restriction unit 103 may allow the XXX bank customer to select a YYY market branch as a candidate for a branch for which an account is desired to be opened on the account opening screen. In this case, the restriction unit 103 may select the YYY market. Do not receive account opening data even if a branch is selected. For example, the restriction unit 103 prevents the customer's computer from transmitting account opening data even if the customer of the XXX bank selects the YYY market branch.

  For example, when the XXX bank customer does not select a branch for which an account is desired to be opened, but the bank system 1 determines a branch based on a given algorithm, the restricting unit 103 uses the XXX bank. When the bank system 1 determines the branch where the account is opened, the YYY market branch may be excluded from the candidates so as not to be selected. In addition, for example, when the YYY market branch is selected as a branch for opening an account in XXX bank, the restriction unit 103 may redo the process of selecting a branch until another branch is selected. .

[3-1-5. Acquisition Department]
The acquisition part 104 acquires the information which shows the real account of each store in an online shopping mall. For example, the acquisition unit 104 acquires the contents of store master data stored in the data storage unit 200 of the store management device 20.

[3-1-6. Execution unit]
Execution unit 105, when the transfer money is transferred to the transfer dedicated account of the store in the online shopping mall, to transfer a part or all of the transfer money transferred to the real account of the operator to the real account of the store Execute the process. For example, the execution unit 105 executes a process for transferring an amount obtained by subtracting the transfer fee from the transfer amount of the transfer-dedicated account to the actual account of the store. For example, if the transfer fee is free, the execution unit 105 executes a process for transferring the transfer amount of the transfer-dedicated account to a real account in the store.

  In the present embodiment, when a new record is added to the transfer-dedicated account history data, the execution unit 105 creates a new record in the actual account history data, and stores the branch code, deposit type, The account number, current date and time, transaction type, additional information, and transaction amount are stored in association with each other. In each of the additional information and the transaction amount, the name of the transfer person and the transfer amount of a new record added to the transfer-dedicated account history data are stored.

  And the execution part 105 determines whether the transfer timing of each store came. The transfer timing is the time of execution of transfer from the actual account of YYY Corporation to the actual account of the store. In this embodiment, the transfer timing can be specified for each store. For example, the execution unit 105 determines whether or not the transfer timing has arrived by comparing the current time with the transfer timing of each store.

  When it is determined that the transfer timing has arrived, the execution unit 105 refers to the transfer-dedicated account history data, and refers to the store remittance flag of the record in which the transfer-dedicated account of the store at which the transfer timing has arrived is stored. The execution unit 105 executes transfer from the actual account of YYY Co., Ltd. to the actual account of the store for the transfer of the record whose store remittance flag indicates that the remittance has not been performed. And the execution part 105 changes the store remittance flag of said record to remittance completed. At this time, for the actual account of the store, you may perform an individual transfer process for each untransferred record, or the sum of the transfer amount of the untransferred record (subtract the transfer fee if necessary) May be performed by a single transfer.

[3-2. Functions realized in the store management device]
The store management device 20 includes a data storage unit 200, a transmission unit 201, and a restriction unit 202. The data storage unit 200 is realized mainly by a storage unit. The transmission unit 201 is realized mainly by a control unit and a communication unit. The limiting unit 202 is realized mainly by a control unit.

[3-2-1. Data storage unit]
The data storage unit 200 stores various data related to online shopping. Here, store master data will be described as an example of data stored in the data storage unit 200.

  FIG. 9 is a diagram illustrating a data storage example of store master data. Store master data is data relating to stores in an online shopping mall. As shown in FIG. 9, store ID data stores a store ID that uniquely identifies a store, store name, transfer-dedicated account information, information indicating a remittance destination account, transfer timing, and the like. . When a store is opened in the online shopping mall or when the store staff changes the setting contents, the store master data is updated.

  The contents of the store master data are presented to the customer when the customer of each store orders a product. For example, before the customer of each store performs an operation for ordering a product, the contents of the bank transfer dedicated account information stored in the store master data are presented to the customer.

  Note that the data stored in the data storage unit 200 is not limited to the above example. For example, the data storage unit 200 may store data relating to a store for which a store opening application has been made. The data related to the store for which the store opening application has been made may include data for generating account opening data. In addition, for example, information indicating a settlement method that can be handled at a store may be stored in the store master data.

[3-2-2. Transmitter]
When the store that has applied for opening a store in the online shopping mall passes the store opening examination, the transmitting unit 201 transmits account opening data for opening a transfer-dedicated account of the store to the account information registration device 10. The transmission unit 201 generates account opening data based on the stored contents of the data storage unit 200 and transmits the data to the account information registration device 10. The employee of YYY Co., Ltd. performs a predetermined operation from the operation unit 24 of the store management device 20 when the store passes the store opening examination. The store management apparatus 20 specifies that the store has passed the store opening examination by accepting the operation.

[3-2-3. Restriction section]
In the payment method setting screen 50 for setting a payment method that can be handled at each store in the online shopping mall, the restriction unit 202 uses an account other than the transfer-dedicated account for the store as an account for transfer payment of the store. Restrict setting.

  FIG. 10 is a diagram illustrating an example of the payment method setting screen 50. As shown in FIG. 10, the payment method setting screen 50 displays a list 51 for setting payment methods handled in the store. The list 51 includes a button 52 for editing the contents of the credit card payment, a button 53 for editing the contents of the bank transfer payment, a button 54 for excluding the bank transfer from the payment method, and a cash on delivery payment. A button 55 for editing the contents is displayed. When the button 53 is selected, the contents of the bank transfer settlement can be edited on the settlement method setting screen 50.

  FIG. 11 is a diagram showing an example of a payment method setting screen 50 when editing the contents of bank transfer payment. As shown in FIG. 11, the payment method setting screen 50 displays information 56 on the store-dedicated bank account. This information is information on a bank account to be presented when a store customer orders a product, and displays a bank name, a branch name, a deposit type, an account number, and a holder of a bank account dedicated to the bank transfer. In addition, an input form 57 for editing a message to be displayed when guiding a bank account for transfer is displayed on the settlement method setting screen 50. In the example illustrated in FIG. 11, the restriction unit 202 cannot edit the bank transfer account information by graying it out. For this reason, the staff of a store cannot set as a transfer place which shows an own real account to a customer without permission.

[4. Processing executed in the embodiment]
Next, processing executed in the present embodiment will be described. Each functional block is realized by executing the processing described below. Here, store processing for opening a store in the online shopping mall and setting the payment method by the store staff, and transfer processing from the time the customer purchases the product until payment is made to the store Will be described.

[Store processing]
FIG. 12 is a diagram illustrating store processing. Here, each of the control unit 11, the control unit 21, and the control unit 31 operates according to the programs stored in the storage unit 12, the storage unit 22, and the storage unit 32, so that the processing illustrated in FIG. Executed.

  As shown in FIG. 12, first, the control unit 31 of the store terminal 30 transmits store opening application data for the store to apply for a store opening to the store management device 20 (S1). In addition, when the process of S1 is performed, the screen for a store to apply for a store opening is displayed on the display unit of the store terminal 30. On this screen, an input form for a plurality of items necessary for the store opening examination is displayed. When the store staff inputs each item from the operation unit of the store terminal 30 and performs a predetermined operation, store opening application data including the input content is transmitted to the store management device 20. In this embodiment, information indicating the store name, the bank code of the remittance destination, the branch code of the remittance destination, the deposit type of the remittance destination, the account number of the remittance destination, the name of the remittance destination, and the remittance timing are the store opening application data. It shall be included in

  The control unit 31 of the store management apparatus 20 records the received store opening application data in the storage unit 32 (S2). Thereafter, a store opening examination is performed by the operator of the online shopping mall system 2 based on the data received in S2. In principle, the store opening examination is performed based on the judgment of an employee of YYY Corporation, but may be automated by a computer.

  When a predetermined operation is performed from the operation unit 24, the control unit 21 of the store management apparatus 20 displays a new store opening screening result input screen 60 for inputting the screening result of the store that has applied for opening a store on the display unit 25 ( S3).

  FIG. 13 is a diagram illustrating an example of the new store opening examination result input screen 60. As shown in FIG. 13, the new store opening screening result input screen 60 includes information 61 included in the store opening application data, an input form 62 for an employee of YYY Co., Ltd. in charge of store opening screening to input the screening results, and store information. An account opening button 63 for opening a transfer-dedicated account and an end button 64 for ending the store opening examination are displayed. For example, the account opening button 63 is selected when an employee of YYY Co., Ltd., which is in charge of the store opening examination, determines that the store that has applied for the store opening has passed the store opening examination.

  When the account opening button 63 is selected, the control unit 21 of the store management apparatus 20 transmits the account opening data to the account information registration apparatus 10 (S4). In S4, the control unit 21 adds the store name included in the store application data stored in the storage unit 22 after the character string of YYY Co., Ltd. stored in the storage unit 22 in advance, so that the account dedicated for transfer Generate an account holder for. And the control part 21 transmits the account opening data containing the said account holder and each information contained in store application data.

  In addition, although this embodiment demonstrates the case where the store management apparatus 20 produces | generates an account holder as mentioned above, you may make it the account information registration apparatus 10 produce | generate an account holder. In this case, the store management apparatus 20 transmits information indicating the character string “YYY Corporation” to the account information registration apparatus 10. The account information registration apparatus 10 generates an account holder by adding the store name included in the account opening data to the received character string “YYY Corporation”. In this case, if the account information registration device 10 records information indicating the character string “YYY Corporation” in the storage unit 12 and receives this information from the store management device 20 only once, The character string “YYY Corporation” may be specified. The information indicating the character string of “YYY Corporation” is the information indicating the character string of “YYY Corporation” according to the activation parameter of the program stored in the storage unit 22 of the store management apparatus 20. 10 may be transmitted.

  When receiving the account opening data, the control unit 11 of the account information registration apparatus 10 opens a transfer-dedicated account (S5). In S5, the control unit 11 assigns an account number in the YYY market branch under a given algorithm. The control unit 11 creates a new record in the transfer-dedicated account master data, and updates the transfer-dedicated account master data by associating and storing the assigned account number and other information.

  The control unit 11 of the account information registration apparatus 10 transmits account number information indicating the account number of the transfer-dedicated account established in S5 to the store management apparatus 20 (S6). When receiving the account number information, the control unit 21 of the store management apparatus 20 stores the account number information in the store master data (S7). Here, in S7, control part 21 issues store ID of a store which passed store opening examination. The control unit 21 creates a new record in the store master data, associates the issued store ID with the issued store ID, stores the store name, the dedicated account information for transfer, the information indicating the account of the remittance, the transfer timing, and the like. become.

  Thereafter, when the operator performs a predetermined operation, the store is notified that the store opening examination has been passed. This notification may be made by mail or the like. Thereafter, stores are opened in the online shopping mall. The store staff operates the store terminal 30 to set the store.

  When a predetermined operation is performed from the operation unit 34, the control unit 31 of the store terminal 30 transmits a display request for a payment method setting screen 50 for editing a payment method that can be handled in the store to the store management device 20. (S8). When receiving the display request, the control unit 21 of the store management device 20 refers to the store master data and transmits display data for displaying the settlement method setting screen 50 to the store terminal 30 (S9). When receiving the display data, the control unit 31 of the store terminal 30 displays the settlement method setting screen 50 on the display unit (S10).

  When the button 53 is selected, the control unit 31 of the store terminal 30 transmits an edit request for bank transfer settlement to the store management apparatus 20 (S11). When receiving the editing request, the control unit 21 of the store management apparatus 20 refers to the store master data and transmits display data for editing the bank transfer payment to the store terminal 30 (S12). When receiving the display data, the control unit of the store terminal 30 displays the settlement method setting screen 50 in which editing of the bank account is restricted on the display unit (S13). In the payment method setting screen 50 displayed in S13, the bank account information guided to the store customer cannot be edited, but the remarks column can be edited from the input form 57. For this reason, when an input is made on the input form 57 at the store terminal 30, the store terminal 30 transmits a remarks column edit request to the store management device 20, and the store management device 20 Update store master data according to request. If no input is made on the input form 57, the process ends.

[Transfer processing]
FIG. 14 is a diagram illustrating a transfer process. Here, each of the control unit 11, the control unit 21, and the control unit 41 operates according to the program stored in each of the storage unit 12, the storage unit 22, and the storage unit 42, so that the process illustrated in FIG. Executed. 14 is executed, the customer operates the customer terminal 40 and performs a predetermined purchase operation from a web page for purchasing a product.

  As shown in FIG. 14, first, the control unit 41 of the customer terminal 40 causes the display unit 45 to display a payment method selection screen 70 for selecting a payment method for a product purchased by the customer (S21). FIG. 15 is a diagram illustrating an example of the payment method selection screen 70. As shown in FIG. 15, the payment method selection screen 70 displays settlement methods handled at the store. For example, the bank transfer information 71 indicates a bank transfer dedicated account. The customer can determine the legitimacy of the website by confirming that the bank account indicated in the bank transfer information belongs to the XXX Bank YYY market branch.

  When a predetermined purchase operation is performed, the control unit 41 of the customer terminal 40 transmits a product purchase request to the store management apparatus 20 (S22). When receiving the purchase request, the control unit 21 of the store management device 20 executes a product purchase process (S23).

  Thereafter, the customer pays the price of the product to be purchased, the shipping fee, etc. by bank transfer. When a customer operates an ATM or the like to transfer money to a bank account dedicated to bank transfer at the XXX Bank YYY market branch, transfer data indicating the transfer contents is transmitted from the external system that manages the banks nationwide to the bank system 1. . A known method can be applied to the transfer data transmission method itself.

  The control unit 11 of the account information registration apparatus 10 receives the transfer data from the external system (S24). If the transfer indicated by the received transfer data is a transfer to a transfer dedicated account, the control unit 11 updates the transfer dedicated account history data (S25). In S <b> 25, the control unit 11 determines whether the transfer is to the transfer-dedicated account by comparing the account number of the transfer destination included in the transfer data with the transfer-dedicated account master data. In addition, for example, if it is possible to identify whether or not it is a transfer-only account by the numerical value of the account number of the transfer-only account (for example, if the first one-digit number is a predetermined value such as 9) It is determined whether the transfer is to a transfer-dedicated account by referring to the transfer destination account number included in the transfer data.

  If the transfer indicated by the received transfer data is a transfer to a transfer dedicated account, the control unit 11 updates the actual account history data (S26). That is, if the transfer indicated by the received transfer data is a transfer to a transfer dedicated account, the control unit 11 inserts a record into both the transfer dedicated account history data and the real account history data.

  The control unit 11 of the account information registration apparatus 10 determines whether or not the transfer timing of each store has arrived (S27). In S27, the control part 11 specifies the transfer timing of each store with reference to store master data. The control unit 11 determines whether or not the transfer timing has arrived by comparing the current time with the transfer timing.

  When it determines with the transfer timing having arrived (S27; Y), the control part 11 of the account information registration apparatus 10 performs transfer to the real account of the store from which the transfer timing came (S28). In S28, the control part 11 specifies the record which shows the transaction of the store where the transfer timing came with reference to the transfer exclusive account history data. And the control part 11 extracts the record which has not been transmitted with reference to a shop remittance completion flag among the specified records. The control unit 11 refers to the actual account history data, and executes a process of transferring the transfer money indicated by the record that has not been transmitted from the actual account of the YYY bank to the actual account of the store.

  According to the above-described embodiment, an account cannot be opened at “XXX Bank YYY Market Branch” without permission from YYY Co., Ltd. Furthermore, YYY Co., Ltd. can only transfer to stores that have passed the store opening examination. Do not allow opening an account. For this reason, when the customer confirms the branch name of the bank account used for the transfer settlement at the time of ordering, it is possible to easily determine whether or not the website is a legitimate online shopping mall and improve the security. More specifically, the transfer-dedicated account for each store opened in “XXX Bank YYY Market Branch” is owned by YYY Corporation as is the case with the actual account in “XXX Bank YYY Market Branch”. Based on the reliability of YYY Co., Ltd. (that is, XXX Bank does not examine the reliability of the store), XXX Bank can authorize the opening of a dedicated bank account for each store. On the other hand, the reliability of each store is secured by the store opening examination performed by XXX Corporation. For this reason, in this embodiment, XXX Bank guarantees the reliability of YYY Corporation, YYY Corporation guarantees the reliability of each store, and the account in “XXX Bank YYY Market Branch” has 2 Heavy reliability is guaranteed. Therefore, not only the authenticity of the website but also the reliability of the store is ensured, thereby ensuring the safety of the transaction. In other words, there is no account of anyone other than the store at the YYY market branch. A customer who knows that can confirm whether the branch name is a YYY market branch and determine whether it is authentic. Furthermore, when opening a bank account for transfer, it is not necessary for each store to carry out the procedure, and YYY Co., Ltd. can carry out the procedure in a unified manner.

  Further, if the XXX bank is an internet bank with no actual store, it is not necessary to have a branch office. However, if the format for transferring bank transfer data etc. between banks is defined by a protocol common to banks nationwide, the branch office cannot be left blank to transfer between other banks according to this protocol. The bank needs to open a virtual branch and use this virtual branch for transfer data and the like. In the present embodiment, by effectively utilizing the fact that XXX Bank can open a branch office relatively freely, YYY Corporation can ensure security through cooperation with XXX Bank. The same can be said for an Internet-dedicated branch of a bank having an actual store, even if it is not an Internet-only bank.

  In addition, by opening a real account of YYY Co., Ltd. in the YYY market branch, the transfer destination from the transfer dedicated account can be a real account in the same branch. In this case, the transfer from the bank transfer dedicated account of each store to the actual account of YYY Co., Ltd. can be made within the same branch.

  Further, since the bank transfer account information includes information that can identify the store, the bank system 1 side can specify the store of the bank transfer dedicated account.

  Moreover, since the holder of the bank account for exclusive use of transfer includes YYY Co., Ltd. and the store name, the customer can confirm that it is a legitimate website by confirming the holder of the bank transfer, further improving security. Can do. In addition, since the name of YYY Co., Ltd. is included in the holder of the account dedicated to the transfer, the customer can be aware that the transfer is made to YYY Co., Ltd. For example, by placing the name of YYY Co., Ltd. at the beginning of the holder, the main part of the holder can be the name of YYY Co., Ltd., and the store name can be supplemented. Impress customers with a secure account.

  Moreover, since the transfer money to the actual account of YYY Co., Ltd. is transferred to the actual account of each store, the sales can be managed finally with the account of each store.

  In addition, since the bank account for bank transfer settlement of the store is restricted so that it can not be set other than the dedicated bank account, the bank account guided to the customer can not be other than the dedicated bank account, ensuring security can do.

[5. Modified example]
The present invention is not limited to the embodiment described above. Modifications can be made as appropriate without departing from the spirit of the present invention.

  For example, when the employee in charge of opening a store at YYY Co., Ltd. selects the account opening button 63, the account opening data is transmitted for each store that has applied for opening a store. However, the method for transmitting the account opening data is limited to this. I can't. For example, on the new store opening screening result input screen, a list of a plurality of stores that YYY Co., Ltd. staff in charge of opening a store screening has screened is displayed, and a transfer-dedicated account for each of the plurality of stores is opened. The account opening data may be transmitted at a time. Furthermore, the timing for transmitting the account opening data may be a predetermined date and time designated by a batch file or the like. In addition, without displaying a list of multiple stores on the screen, at a given timing, the data of stores that have not yet been opened for transfer account is extracted from the store master data that has been newly opened, and the account opening data is collected in a lump. You may make it transmit. In this case, the transmission unit 201 refers to the store master data and identifies a record in which the information on the transfer-dedicated account is not stored. This record is data of a store that has passed the store opening examination and for which a transfer-dedicated account has not been opened. The transmission unit 201 transmits account opening data for opening a store-dedicated account corresponding to this record.

  Further, for example, when the store management apparatus 20 requests the account information registration apparatus 10 to open a transfer-dedicated account, the store management apparatus 20 may send only the store ID first and make a transfer-dedicated account opening request only. In this case, the account information registration apparatus 10 once stores the store ID, the account number of the transfer-dedicated account, and the actual account information in association with each other in the transfer-dedicated account master database. After that, the store management device 20 stores the store ID and other information (for example, the name of the account for the transfer account, the bank code of the remittance destination, the branch code of the remittance destination, the deposit type of the remittance destination, the account number of the remittance destination, and the remittance Information indicating the previous name holder and remittance timing). The account information registration device 10 stores the other information in a record corresponding to the received store ID. As described above, two-stage information may be exchanged between the account information registration device 10 and the store management device 20.

  Further, for example, a plurality of transfer-dedicated accounts are assigned to one store, and the YYY market branch transfer-dedicated account and the store may have a many-to-one relationship.

  Also, for example, in the above embodiment, all the data included in the transfer account history data but not included in the actual account history data are set in the additional information and other data items of the actual account history data. Then, there is no need to store the transfer-dedicated account history data separately from the actual account history data.

  1 bank system, 2 online shopping mall system, 10 account information registration device, 20 store management device, 30 store terminal, 40 customer terminal, 11, 21, 31, 41 control unit, 12, 22, 32, 42 storage unit, 13 , 23, 33, 43 Communication unit, 24, 34, 44 Operation unit, 25, 35, 45 Display unit, 50 Payment method setting screen, 51 list, 52, 53, 54, 55 button, 56 information, 57 input form, 60 New store screening result input screen, 61 information, 62 input form, 63 account opening button, 64 end button, 70 payment method selection screen, 71 bank transfer information, 100 data storage unit, 101 receiving unit, 102 registration unit, 103 restrictions Unit, 104 acquisition unit, 105 execution unit, 200 data storage unit, 201 transmission unit, 202 restriction unit .

Claims (12)

An account for opening a transfer-only account for a store that has been passed by the online shopping mall operator and has passed the store opening examination in the online shopping mall in a branch dedicated to the online shopping mall. Receiving means for receiving opening data from the store management device of the operator;
Real account information indicating the operator's real account for transferring the transfer money to the transfer-dedicated account, the transfer-dedicated account information indicating the transfer-dedicated account in the branch, which is established based on the account opening data Registration means for registering in the database in association with
Restriction means for restricting opening an account other than the store that has passed the store opening examination in the branch,
An account information registration device comprising: The registration means registers the transfer-dedicated account information in the database in association with the real account information indicating the real account of the operator in the branch.
The account information registration device according to claim 1. The registration unit registers the transfer-dedicated account information including information capable of identifying the store.
The account information registration apparatus according to claim 1 or 2, wherein The receiving means receives the account opening data including information indicating the name of the store,
The registration means registers the transfer-dedicated account information indicating the transfer-dedicated account of a holder including the name of the store and the name of the operator.
The account information registration device according to any one of claims 1 to 3. The account information registration device
Means for obtaining information indicating an actual account of each store in the online shopping mall;
A process for transferring part or all of the transfer money transferred to the real account of the operator to the real account of the store when the transfer money is transferred to the transfer dedicated account of the store in the online shopping mall Means for performing
The account information registration device according to claim 1, further comprising: A store management device connected to the account information registration device according to any one of claims 1 to 5 so that data can be transmitted and received,
Means for transmitting the account opening data for opening the transfer-dedicated account of the store to the account information registration device when the store that has applied for opening a store in the online shopping mall has passed the store opening examination;
In the setting screen for setting a payment method that can be handled at each store in the online shopping mall, the setting of an account other than the transfer-dedicated account of the store as an account for transfer payment of the store is restricted. Means,
A store management apparatus comprising: An account for opening a transfer-only account for a store that has been passed by the online shopping mall operator and has passed the store opening examination in the online shopping mall in a branch dedicated to the online shopping mall. Receiving the opening data from the store management device of the operator;
Real account information indicating the operator's real account for transferring the transfer money to the transfer-dedicated account, the transfer-dedicated account information indicating the transfer-dedicated account in the branch, which is established based on the account opening data A registration step for registering in the database in association with
A restriction step for restricting opening an account other than the store that has passed the store opening examination in the branch; and
A method for registering account information. When a store that has applied for opening a store in an online shopping mall passes the store opening examination, it is a transfer-dedicated account opened by the operator of the online shopping mall in the branch dedicated to the online shopping mall, and for the store Sending account opening data for opening a transfer-dedicated account to the account information registration device;
In the setting screen for setting a payment method that can be handled at each store in the online shopping mall, the setting of an account other than the transfer-dedicated account of the store as an account for transfer payment of the store is restricted. Steps,
The store management method characterized by including. An account for opening a transfer-only account for a store that has been passed by the online shopping mall operator and has passed the store opening examination in the online shopping mall in a branch dedicated to the online shopping mall. Receiving means for receiving opening data from the store management device of the operator;
Real account information indicating the operator's real account for transferring the transfer money to the transfer-dedicated account, the transfer-dedicated account information indicating the transfer-dedicated account in the branch, which is established based on the account opening data Registration means for registering in the database in association with
Restriction means for restricting opening an account other than the store that has passed the store opening examination in the branch,
As a program to make the computer function as. A computer connected to the computer according to claim 9 so as to be able to transmit and receive data,
Means for transmitting the account opening data for opening the transfer-dedicated account of the store to the account information registration device when the store that has applied for opening a store in the online shopping mall passes the store opening examination;
In the setting screen for setting a payment method that can be handled at each store in the online shopping mall, the setting of an account other than the transfer-dedicated account of the store as an account for transfer payment of the store is restricted. means,
Program to function as. In the store management device of an online shopping mall operator, when a store that has applied for opening a store in the online shopping mall passes the store opening examination, the financial institution has the branch of the online shopping mall in the branch dedicated to the online shopping mall. A transmission-only account opened by an operator, and transmitting the account opening data for opening a transfer-only account for the store to the account information registration device of the financial institution,
In the account information registration device, the reception step of receiving the account opening data from the store management device;
In the account information registration device, the operator's account for transferring the transfer-dedicated account information indicating the transfer-dedicated account in the branch, which is established based on the account opening data, into the transfer-dedicated account. A registration step of registering in the database in association with real account information indicating a real account;
In the account information registration device, a restriction step of restricting opening an account other than the store that has passed the store opening examination in the branch;
In the store management apparatus, in the setting screen for setting a payment method that can be handled at each store in the online shopping mall, an account other than the transfer-dedicated account of the store is used as an account for transfer payment of the store. A step to restrict setting,
A method for setting up payment settlement in an online shopping mall, comprising: In the account information registration device,
Obtaining information indicating a real account of each store in the online shopping mall;
A process for transferring part or all of the transfer money transferred to the real account of the operator to the real account of the store when the transfer money is transferred to the transfer dedicated account of the store in the online shopping mall A step of performing
The payment settlement setting method in the online shopping mall according to claim 11, further comprising:

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