JP2019215910A - Transfer system, transfer method, and program - Google Patents

Abstract

To easily determine whether one website is a website of an official online shopping mall and improve security.SOLUTION: Reception means (101) of an account information registration device (10) is an account exclusive for transfer 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 transfer 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 transfer in the branch opened on the basis of the account opening data, in association with actual account information that indicates an operator's actual account into which transfer money for the account exclusive for transfer is transferred, in a database. Restriction means (103) restricts opening of an account in the branch by anyone other than a store that has passed 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 payment setting method in an online shopping mall.

  2. Description of the Related Art Conventionally, a technology for a customer who has purchased a product at a store in an online shopping mall to pay the price has been known. For example, in the e-commerce system described in Patent Literature 1, when a customer purchases a product at each store, the customer must make a payment by a payment method selected by the customer from bank transfer, credit card, cash on delivery, and the like. Can be.

JP 2011-175585 A

  With the above technology, the existence of a malicious website disguised as a legitimate online shopping mall has become a problem. For example, there is a website where the contents of a legitimate website are copied and only the account name of the transfer destination is rewritten. When 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 provided on this website, the transfer is deceived by a malicious third party.

  The user needs to determine whether the website is legitimate in order to prevent the transfer money from being deceived. However, malicious third parties may create websites that mimic legitimate websites. For example, if a malicious third party creates a website in which the logo or layout of a legitimate website is copied as it is, it is difficult to visually identify the website.

  For example, since the domain name of a legitimate website and the domain name of a malicious website are never the same, if the user carefully checks the domain name, it can be determined for the time being. However, malicious third parties may use domain names similar to those of legitimate websites. For example, a malicious third party could use a domain name that differs from the legitimate domain name by one letter (for example, a domain that differs only by "." Or "-"), or use words that are confusing to the legitimate domain name (for example, If you use a domain name to which "ichiba" or "payment" is added, it is difficult to determine even if you look at the domain name. Further, for example, a regular shopping mall operator may use a plurality of domain names, and in this case, it becomes more difficult to determine.

  For example, a malicious website may display a bank account to deceive the transfer, so the user may be able to determine the legitimate website by verifying the account holder of this bank account. It is possible. However, since a malicious third party may open a bank account with an account holder impersonating a legitimate store, it is difficult to determine 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 malicious third party's account number and the legitimate store's account number will not be the same. It is also conceivable that the user checks the account number displayed on the website to determine whether the website is a legitimate website. However, in this case, the user has to write down the account number of the authorized store and check each time. Also, in general, the difference in the number strings is sometimes less noticeable than the difference in the character strings, and it is difficult to determine the difference only with an account number that is a simple number string.

  SUMMARY OF THE INVENTION An object of the present invention is to improve the security by easily determining whether a website is a legitimate online shopping mall website.

  In order to solve the above problems, an account information registration device according to the present invention is a transfer-only account opened by an online shopping mall operator in a branch dedicated to an online shopping mall, and is connected to the online shopping mall. Receiving means for receiving account opening data for opening a transfer-dedicated account for a store that has passed the store opening examination from the store management device of the operator, and the inside of the branch opened based on the account opening data. Registering means for registering the transfer-only account information indicating the transfer-only account in a database in association with the real account information indicating the real account of the operator for transferring the transfer money to the transfer-only account; and And a restricting means for restricting the establishment of an account other than the store that has passed the above-mentioned branch in the branch.

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

  In one aspect of the present invention, the registration unit registers the transfer-only account information including information that can identify the store.

  Further, in one aspect of the present invention, the receiving unit receives the account opening data including information indicating the name of the store, and the registering unit determines the name including the name of the store and the name of the operator. The transfer-only account information indicating the transfer-only account of a person is registered.

  In one aspect of the present invention, the account information registration device includes: a unit for acquiring information indicating a real account of each store in the online shopping mall; and a transfer to the transfer-only account of the store in the online shopping mall. Means for performing a process for transferring a part or all of the transfer to the real account of the store when the money is transferred to the real account of the operator. .

  Further, a store management device according to the present invention is a store management device connected to the account information registration device according to any one of the above, so that data can be transmitted and received, and the store that has applied for a store opening to the online shopping mall is the store management device. 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 On the setting screen for setting an account other than the transfer-only account of the store as a transfer settlement account of the store.

  The account information registration method according to the present invention is a transfer-only account opened by the online shopping mall operator in a branch dedicated to the online shopping mall, and has passed the store opening examination to the online shopping mall. A receiving step of receiving account opening data for opening a transfer-only account for stores from the store management device of the operator, and opening the transfer-only account in the branch based on the account opening data. A registration step of registering the transfer-only account information shown in the database in association with the real account information indicating the real account of the operator for transferring the transfer to the transfer-only account, Restricting the opening of an account in the branch.

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

  In addition, the program according to the present invention is a transfer-only account opened by the online shopping mall operator in a branch dedicated to the online shopping mall, and is designed for a store that has passed the store opening examination to the online shopping mall. Receiving means for receiving account opening data for opening a transfer-only account from the store management device of the operator, a transfer-only account indicating the transfer-only account in the branch opened 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 a deposit to the transfer-only account, an account other than a store that has passed the store opening examination in the branch, The computer as a restricting means for restricting the establishment of the computer.

  Further, the program according to the present invention, the computer connected to the computer in a manner capable of data transmission and reception, if the store that has applied for opening a store to the online shopping mall passes the store opening examination, the transfer-only account of the store is A means for transmitting the account opening data for opening to the account information registration device, a setting screen for setting a payment method that can be handled at each store in the online shopping mall, Function as a means for restricting the setting of an account other than the above as an account for transfer settlement at the store.

  In addition, the method for setting the transfer settlement in the online shopping mall according to the present invention is a method for a store management apparatus of an online shopping mall operator, wherein the store that has applied for a store opening to the online shopping mall passes the store opening examination, the financial institution In a branch dedicated to the online shopping mall, an account opening data for opening a transfer-only account for the store, the account opening data being opened by an operator of the online shopping mall, is stored in the financial institution. A transmitting step of transmitting the account opening data to the account information registering device, a receiving step of receiving the account opening data from the store management device in the account information registering device, and the account information registering device based on the account opening data. The transfer-only account in the branch to be opened Registering the transfer-only account information shown in the database in association with the real account information indicating the real account of the operator for transferring the deposit to the transfer-only account, and registering the account in the database. A restricting step of restricting opening of an account other than the store that has passed the examination in the branch, and a setting screen for setting a settlement method that can be handled at each store in the online shopping mall in the store management device. Limiting the setting of an account other than the transfer-only account of the store as the transfer settlement account of the store.

  In one aspect of the present invention, the account information registration device acquires information indicating a real account of each store in the online shopping mall, and transfers the information to the transfer-only account of the store in the online shopping mall. And performing 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 the money is transferred. .

FIG. 1 is a diagram illustrating an example of an overall configuration of an embodiment. It is a figure showing the outline of bank transfer settlement. FIG. 3 is a diagram illustrating functions realized in the present embodiment. It is a figure showing the example of data storage of real account master data. It is a figure showing the example of data storage of transfer-only account master data. It is a figure showing the example of data storage of branch master data. It is a figure showing the example of data storage of transfer-only account history data. It is a figure showing the example of data storage of actual account history data. It is a figure showing the example of data storage of store master data. It is a figure showing an example of a settlement method setting screen. It is a figure which shows an example of the payment method setting screen at the time of editing the content of bank transfer payment. It is a figure showing store processing. It is a figure showing an example of a new store examination result input screen. It is a figure which shows a transfer process. It is a figure showing an example of a payment method selection screen.

[1. overall structure]
Hereinafter, an example of an embodiment according to the present invention will be described in detail with reference to the drawings. 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 is connected via a network so as to be able to transmit and receive data.

  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, a bank is taken as an example of a financial institution, but may be a credit union or a labor union.

  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 performs processing according to programs and data stored in the storage unit. The communication unit 13 includes a network card, and is capable of transmitting and receiving data to and from the outside via a network.

  The online shopping mall system 2 includes one or a plurality of computers, executes various processes for customers to purchase products, and manages various information such as stores in the online shopping mall. The online shopping mall system 2 is under the control 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 by a different personality from the operator. However, the online shopping mall may include a store operated by the operator itself.

  The store management device 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 configurations of the control unit 21, the storage unit 22, and the communication unit 23 are substantially the same as those of the control unit 11, the storage unit 12, and the communication unit 13, and a description thereof will be omitted. The operation unit 24 is an input device, for example, a mouse, a keyboard, a touch panel, or the like. 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 mobile terminal, and includes a control unit 31, a storage unit 32, a communication unit 33, an operation unit 34, and a display unit 35. These hardware configurations are substantially the same as the control unit 21, the storage unit 22, the communication unit 23, the operation unit 24, and the display unit 25, respectively, and thus description thereof will be omitted.

  The customer terminal 40 is a computer operated by the 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. These hardware configurations are substantially the same as the control unit 21, the storage unit 22, the communication unit 23, the operation unit 24, and the display unit 25, respectively, and thus description thereof will be omitted.

  Note that general hardware may be applied to the hardware of 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. Also, programs 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 may be supplied 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 any method from among the settlement methods handled by the store (for example, bank transfer, credit card settlement, and cash on delivery) in order to pay the price and shipping cost of the product. 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, a bank dedicated to YYY Co., Ltd. has a YYY market branch opened at Bank XXX. The YYY market branch is opened by the application of YYY Corporation. In this embodiment, it is assumed that the establishment of a branch is performed by an application and no special examination is required. For example, when opening a branch at XXX Bank, it is sufficient to notify the government and no approval is required before opening the branch.

  Since the YYY Market Branch is a branch dedicated to YYY Corporation, an account can be opened in the YYY Market Branch with the permission of YYY Corporation, but an account can be opened in the YYY Market Branch without the permission of YYY Corporation. Can not be established. In other words, the third party cannot open an account in the YYY market branch without permission. In the present embodiment, an actual account of YYY Corporation is opened in advance in a YYY market branch. The real account can be withdrawn or deposited by the account holder.

  Further, as shown in FIG. 2, in the YYY market branch of XXX Bank, a dedicated transfer account for the store is opened for each store opened in the online shopping mall. The transfer-only account is under the control of YYY Co., Ltd., and is restricted compared to the real account so that, for example, the account holder cannot withdraw or deposit. The transfer-only account is used for bank transfer settlement from a store customer. That is, the transfer-only account is, in principle, not used for bank transfer settlement from a customer at another store.

  The 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 application to YYY Corporation. YYY Co., Ltd. conducts store opening examination of the store that has applied for the store opening. If the store passes the store opening examination, YYY Corporation permits opening a transfer-only account for the store in the YYY market branch. On the other hand, if the store does not pass the store opening examination, YYY Corporation does not permit opening a transfer-only account for the store in the YYY market branch.

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

  For example, when the customer purchases a product at the store A, a transfer-only account of the store A in the XXX Bank YYY market branch is guided to the customer as a transfer destination account. The customer operates an ATM or the like to transfer the price of the product and the shipping cost to the account of the store A for transfer. The transfer money to the transfer-only account of the store A is transferred to the actual account of YYY Corporation in the XXX Bank YYY Market Branch. Thereafter, the transfer money to the real account of YYY Co., Ltd. is deducted from the transfer fee etc. as necessary, and then transferred to the real account of the 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 and the shipping fee for the product. That is, the transfer-only account is an account in which transfers from a large number of customers at each store are performed, but since actual payment is made to the real account associated with the transfer-only account, a virtual account It can be said. However, as described above, the transfer-only account of the present embodiment is a virtual account that has a one-to-one relationship with the store and a one-to-many relationship with the customer.

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

  As described above, in the present embodiment, the bank account into which the customer transfers the price of the product and the shipping fee is not a real account of each store but a transfer-only account in “XXX Bank YYY Market Branch”. As described above, since a malicious third party cannot open an account in "XXX Bank YYY Market Branch" without permission, if a customer accesses a malicious website, Also, the bank account provided on the website is an account other than “XXX Bank YYY Market Branch”. Therefore, in the present embodiment, if the branch name of the bank account indicated 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 Bank” For customers other than "YYY market branch", the customer can determine that the website is malicious. Hereinafter, the details of this technique will be described.

[3. Function 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. Function realized in 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 required for the transfer processing. Here, real account master data, transfer-only account master data, branch master data, transfer-only account history data, and real account history data will be described as examples of data stored in the data storage unit 100.

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

  FIG. 5 is a diagram illustrating a data storage example of the transfer-only account master data. The transfer-only account master data is master data indicating a transfer-only account established at XXX Bank. As shown in FIG. 5, the transfer-only account master data includes the branch code of the transfer-only account, the deposit type of the transfer-only account, the account number of the transfer-only account, the holder of the transfer-only account, and the actual account of YYY Corporation. The branch code (YYY market branch in the present embodiment), the deposit type of the real account of YYY Corporation, and the account number of the real account of YYY Corporation are stored in association with each other. As a result, it is possible to associate the information of the transfer-only account of each store with the information of the actual account of the online shopping mall operator. In addition, the transfer-only account master data further includes the bank code of the remittee, the branch code of the remittee, the deposit type of the remittee, the account number of the remittee, and the holder of the remittee, which are the actual accounts of the store. Associated and stored. Here, the remittance destination means an actual account of the store corresponding to the transfer-only account. When a transfer-only account is opened or the actual account of the store is changed, the transfer-only account master data is updated. Here, in order to clearly distinguish the data items, the transfer from the customer to the transfer-only account is referred to as "transfer" as it is, and the online shopping mall operator's real account corresponding to the transfer-only account is changed from the real account of the store. Remittances are called "remittances."

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

  FIG. 7 is a diagram illustrating a data storage example of the transfer-only account history data. The transfer-only account history data is data indicating the past transaction contents of the transfer-only account in the YYY market branch of XXX Bank. As shown in FIG. 7, the transfer-only account history data includes the transfer date and 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 completion flag and the like are stored in association with each other. When a transaction is made in the transfer-only account in the YYY market branch of XXX Bank, the transfer-only account history data is updated.

  FIG. 8 is a diagram illustrating a data storage example of actual account history data. The real account history data is data indicating the past transaction contents of the real account opened at the XXX Bank. As shown in FIG. 8, the real account history data includes the branch code of the real account and the deposit type of the real 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.) is performed in the real account of XXX Bank, 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-only account, real account history data is generated in correspondence with the transfer-only 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 on the transfer-only account (for example, the branch code of the transfer-only account, the deposit type of the transfer-only account, The account number of the dedicated account and the holder of the transfer-only account). This makes it possible to use the record of the real account history data and the record of the transfer-only account history data to associate the information of the transfer-only account of each store with the information of the real account of the online shopping mall operator. .

  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 regarding each store (for example, store ID and transfer timing of each store). Further, each of the above data can be stored in the data storage unit 100 as each table of a relational database, for example.

[3-1-2. Receiver]
The receiving unit 101 stores, in the YYY market branch, account opening data for opening a transfer-only account for a store that is a transfer-only account opened by YYY Co., Ltd. and that has passed the screening for opening an online shopping mall. , YYY Corporation.

  For example, the account opening data includes information indicating a store name (for example, a character string indicating the store name). In this embodiment, the account opening data includes the name of the transfer-only account, the bank code of the remittee, the branch code of the remittee, the type of deposit at the remittee, the account number of the remittee, the holder of the remittee, and the remittance timing. Is included. The remittance timing is the timing of remittance from the real account of YYY Corporation to the real account of the store, and is, for example, a predetermined date to be visited every month.

[3-1-3. Registration section]
The registration unit 102 stores the transfer-only account information indicating the transfer-only account in the YYY market branch, which is opened based on the account opening data, with the actual account of YYY Co., Ltd. In the embodiment, the transfer-only account data is registered in association with real account information indicating a real account of YYY Corporation in the YYY market branch.

  In the present embodiment, an example will be described in which the branch code of the transfer-only account, the deposit type of the transfer-only account, the account number of the transfer-only account, and the holder of the transfer-only account correspond to the transfer-only account information. However, the transfer-only account information may include other information regarding the transfer-only account. Further, 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 actual account may be included.

  For example, the registration unit 102 registers transfer-only 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-only transfer account, the store name, the store ID, and the like correspond to the information that can identify the store.

  Further, for example, the registration unit 102 registers transfer-only account information indicating the transfer-only account of the holder including the name of the store and the name of YYY Corporation. In this embodiment, the name of the transfer-only account has a store name added to the name of YYY Corporation. Further, the holder includes a predetermined character string, and the character string makes it easy to identify the name of YYY Corporation and the name of the store.

[3-1-4. Restriction]
The restriction 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 of stores other than YYY Corporation that did not pass the store opening examination and those who have not applied for the store opening itself. The restriction unit 103 restricts opening a real account and a transfer-only account within the YYY market branch. The restriction unit 103 restricts opening of an account, for example, as described below.

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

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

  For example, the restriction unit 103 prevents an image for selecting a YYY market branch from being displayed 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 and inputs the contents of the application. On the account opening screen, a plurality of branches stored in the branch master data are displayed as candidates for a branch for which the customer wishes to open an account. The restriction unit 103 performs display control so as to exclude the YYY market branch from the candidates. The branches excluded from the candidates are those whose branch classification in the branch master data in FIG. 6 is “dedicated”.

  In addition, the restriction unit 103 may display the YYY market branch as a candidate for a branch for which the customer of the XXX bank wants to open an account on the account opening screen. In this case, the restriction unit 103 performs the display. The selected YYY market branch cannot be selected. For example, the restriction unit 103 grays out the YYY market branch and displays it on the account opening screen.

  In addition, the restriction unit 103 may allow the customer of the XXX bank 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. Even if a branch is selected, do not receive account opening data. For example, the restricting unit 103 prevents the computer of the XXX bank from transmitting the account opening data even if the customer of the XXX bank selects the YYY market branch.

  For example, in the case where the customer of XXX Bank does not select a branch for which an account is desired to be opened, but decides a branch on the bank system 1 side according to a given algorithm, the limiting unit 103 sets the XXX Bank In the case where the bank system 1 determines the branch for which an account is to be opened, the YYY market branch may be excluded from the candidates so as not to be selected. Alternatively, for example, when a YYY market branch is selected as a branch for opening an account at XXX Bank, the restriction unit 103 may repeat the process of selecting a branch until another branch is selected. .

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

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

  In this embodiment, when a new record is added to the transfer-only account history data, the execution unit 105 creates a new record in the real 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 the new record added to the transfer-only account history data are stored.

  Then, the execution unit 105 determines whether the transfer timing of each store has arrived. The transfer timing is a point in time when the transfer from the real account of YYY Corporation to the real account of the store is executed. In this embodiment, the transfer timing can be specified for each store. For example, the execution unit 105 determines whether 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-only account history data and refers to the store remittance flag of the record in which the transfer-only account of the store at which the transfer timing has arrived is stored. The execution unit 105 executes the transfer from the real account of YYY Co., Ltd. to the real account of the store for the transfer of the record in which the store remittance flag indicates the non-remittance. Then, the execution unit 105 changes the store remittance flag in the above record to remittance. At this time, for the actual account of the store, individual transfer processing may be performed for each untransferred record, or the sum of the transfer amounts of the untransferred records (a transfer fee is deducted as necessary). May be performed by a single transfer.

[3-2. Function realized in 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 implemented 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 implemented 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. The store master data is data on stores in the online shopping mall. As shown in FIG. 9, the store master data stores a store ID for uniquely identifying a store, a store name, transfer-only account information, information indicating a remittee account, a 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 transfer-only 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 application has been made. The data relating to the store for which the store application has been made may include data for generating account opening data. Alternatively, for example, information indicating a settlement method that can be handled in a store may be stored in the store master data.

[3-2-2. Transmission section]
When the store that has applied for a store opening to the online shopping mall passes the store opening examination, the transmitting unit 201 transmits, to the account information registration device 10, account opening data for opening a transfer-only account of the store. The transmission unit 201 generates account opening data based on the storage content of the data storage unit 200 and transmits the data to the account information registration device 10. Note that the employee of YYY Corporation performs a predetermined operation from the operation unit 24 of the store management device 20 when the store passes the store opening examination. By receiving the operation, the store management device 20 specifies that the store has passed the store opening examination.

[3-2-3. Restriction]
In the settlement method setting screen 50 for setting a settlement method that can be handled at each store in the online shopping mall, the restriction unit 202 changes an account other than the bank account dedicated to the store to a bank account for the bank account settlement. Restrict settings.

  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 a payment method to be handled in the store. In the list 51, a button 52 for editing the contents of the credit card settlement, a button 53 for editing the contents of the bank transfer settlement, a button 54 for excluding the bank transfer from the settlement method, and a button for the cash on delivery settlement Buttons 55 and the like for editing the contents are 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 the bank transfer payment. As shown in FIG. 11, the payment method setting screen 50 displays information 56 of a bank account dedicated to transfer. This information is information of a transfer destination presented when a customer of a store orders a product, and displays a bank name, a branch name, a deposit type, an account number, and a holder of a dedicated transfer account. Further, an input form 57 for editing a message to be displayed when guiding the customer to the transfer-only account is also displayed on the settlement method setting screen 50. In the example illustrated in FIG. 11, the restriction unit 202 grays out and displays the information of the bank transfer account so that it cannot be edited. For this reason, the store staff cannot set his / her own actual account as a transfer destination for presenting to a customer without permission.

[4. Process Executed in Embodiment]
Next, processing executed in the present embodiment will be described. Each function block is realized by executing the processing described below. Here, a store is set up in an online shopping mall, and store processing is performed by the store staff to set up a payment method, and a transfer process is performed from when a customer purchases a product to when the price is transferred to the store. Will be described.

[Store processing]
FIG. 12 is a diagram illustrating the store process. Here, the control unit 11, the control unit 21, and the control unit 31 operate according to the programs stored in the storage unit 12, the storage unit 22, and the storage unit 32, respectively, so that the processing illustrated in FIG. Be executed.

  As shown in FIG. 12, first, the control unit 31 of the shop terminal 30 transmits shop opening application data for the shop to apply for shop opening to the shop management device 20 (S1). When the process of S1 is executed, a screen for the 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 required in 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, the store opening application data including the input contents is transmitted to the store management device 20. In the present embodiment, information indicating the name of the store, the bank code of the remittee, the branch code of the remittee, the deposit type of the remittee, the account number of the remittee, the holder of the remittee, and the remittance timing are the store application data Shall be included in

  The control unit 31 of the store management device 20 records the received store opening application data in the storage unit 32 (S2). Thereafter, based on the data received in S2, a store opening examination is performed by the operator of the online shopping mall system 2. The store opening examination is performed in principle by the judgment of the employee of YYY Co., Ltd., 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 device 20 causes the display unit 25 to display a new store examination result input screen 60 for inputting the examination result of the store that has applied for the store opening ( S3).

  FIG. 13 is a diagram illustrating an example of the new store opening examination result input screen 60. As shown in FIG. 13, a new store opening examination 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 opening a store to enter the examination result, and a store An account opening button 63 for opening a transfer-only 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. in charge of opening a store determines that the store that has applied for opening a store has passed the opening store inspection.

  When the account opening button 63 is selected, the control unit 21 of the store management device 20 transmits the account opening data to the account information registration device 10 (S4). In S4, the control unit 21 adds the store name included in the store application data stored in the storage unit 22 to the character string of YYY Co., Ltd. Generate an account holder for Then, the control unit 21 transmits account opening data including the account holder and each information included in the store application data.

  In the present embodiment, the case where the store management device 20 generates the account holder as described above will be described, but the account information registration device 10 may generate the account holder. In this case, the store management device 20 transmits information indicating the character string “YYY CORPORATION” to the account information registration device 10. The account information registration device 10 generates an account holder by adding the store name included in the account opening data to the received character string of “YYY CORPORATION”. In this case, 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. In addition, the information indicating the character string “YYY CORPORATION” is obtained by converting the information indicating the character string “YYY CORPORATION” into the account information registration 10 may be transmitted.

  Upon receiving the account opening data, the control unit 11 of the account information registration device 10 opens a transfer-only 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 updates the transfer-dedicated account master data by creating a new record in the transfer-dedicated account master data and storing the allocated account number in association with other information.

  The control unit 11 of the account information registration device 10 transmits account number information indicating the account number of the transfer-only account established in S5 to the store management device 20 (S6). Upon receiving the account number information, the control unit 21 of the store management device 20 stores the account number information in the store master data (S7). Here, in S7, the control unit 21 issues a store ID of a store that has passed the store opening examination. The control unit 21 creates a new record in the store master data, associates the store name with the issued store ID, and stores the store name, account information for exclusive use of transfer, information indicating the account of the remittance destination, 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. Note that this notification may be made by mail or the like. Thereafter, a store will be 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 the 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 transmits display data for displaying the payment method setting screen 50 to the store terminal 30 with reference to the store master data (S9). When receiving the display data, the control unit 31 of the store terminal 30 displays the payment 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 a bank transfer settlement editing request to the store management device 20 (S11). Upon receiving the edit request, the control unit 21 of the store management device 20 refers to the store master data and transmits display data for editing the bank transfer settlement to the store terminal 30 (S12). Upon receiving the display data, the control unit of the store terminal 30 displays the payment method setting screen 50 in which editing of the bank account is restricted on the display unit (S13). In the settlement method setting screen 50 displayed in S13, the information of the bank account guided to the customer of the store cannot be edited, but the remarks column can be edited from the input form 57. Therefore, when an input is made on the input form 57 in the store terminal 30, the store terminal 30 transmits a request for editing the remarks column to the store management device 20, and the store management device 20 Update store master data as requested. If no input has been made to the input form 57, this processing ends.

[Transfer process]
FIG. 14 is a diagram illustrating the transfer process. Here, the control unit 11, the control unit 21, and the control unit 41 operate according to the programs stored in the storage unit 12, the storage unit 22, and the storage unit 42, respectively, so that the process illustrated in FIG. Be executed. When the process shown in FIG. 14 is executed, it is assumed that the customer operates the customer terminal 40 to perform 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 of a product purchased by the customer (S21). FIG. 15 is a diagram showing an example of the payment method selection screen 70. As shown in FIG. 15, a payment method selection screen 70 displays the payment methods handled at the store. For example, the bank transfer information 71 indicates a bank account dedicated to bank transfer. The customer can determine the legitimacy of the website by confirming that the bank account indicated in the bank transfer information is that of XXX Bank YYY Market Branch.

  When a predetermined purchase operation is performed, the control unit 41 of the customer terminal 40 transmits a purchase request for a product to the store management device 20 (S22). Upon 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, shipping fee, and the like of the purchased product by bank transfer. When a customer operates an ATM or the like and makes a transfer to a transfer-only account of the XXX Bank YYY Market Branch, transfer data indicating the transfer contents is transmitted to the bank system 1 from an external system that manages banks nationwide. . A known method can be applied to the method of transmitting the transfer data itself.

  The control unit 11 of the account information registration device 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-only account, the control unit 11 updates the transfer-only account history data (S25). In S25, the control unit 11 compares the account number of the transfer destination included in the transfer data with the transfer-only account master data to determine whether the transfer is to the transfer-only account. For example, if it is possible to identify whether the account is a transfer-only account by the numerical value of the account number of the transfer-only account (for example, if the first digit is a predetermined value such as 9, the transfer-only account ), And by referring to the account number of the transfer destination included in the transfer data, it is determined whether the transfer is to a transfer-only account.

  If the transfer indicated by the received transfer data is a transfer to a transfer-only 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-only account, the control unit 11 inserts a record into both the transfer-only account history data and the real account history data.

  The control unit 11 of the account information registration device 10 determines whether the transfer timing of each store has arrived (S27). In S27, the control unit 11 specifies the transfer timing of each store with reference to the store master data. The control unit 11 determines whether the transfer timing has arrived by comparing the current time with the transfer timing.

  When it is determined that the transfer timing has arrived (S27; Y), the control unit 11 of the account information registration device 10 executes a transfer to the real account of the store where the transfer timing has arrived (S28). In S28, the control unit 11 refers to the transfer-only account history data and specifies a record indicating the transaction of the store at which the transfer timing has arrived. Then, the control unit 11 refers to the store remittance flag among the specified records and extracts a record that has not been transmitted. The control unit 11 refers to the actual account history data and executes a process of transferring the transfer 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 of YYY Co., Ltd. Do not allow account opening. For this reason, by confirming the branch name of the bank account used in the transfer settlement at the time of ordering, it is possible to easily determine whether the website is a legitimate online shopping mall website and improve security. More specifically, the transfer-dedicated account for each store opened in “Bank XXX YYY Market Branch” is owned by YYY Corporation like the real account in “Bank XXX YYY Market Branch”. The XXX Bank can permit the establishment of a bank account dedicated to the transfer of each store based on the reliability of YYY Corporation (that is, without checking the reliability of the store by the XXX Bank). On the other hand, the reliability of each store is ensured by a store opening examination conducted by XXX Corporation. For this reason, in the present embodiment, XXX Bank guarantees the reliability of YYY Corporation, and YYY Corporation guarantees the reliability of each store, and the account in “XXX Bank YYY Market Branch” has two accounts. This means that heavy reliability is ensured. Therefore, not only the authenticity of the website but also the reliability of the store are ensured, thereby ensuring the security of transactions. In other words, there is no account of a person other than the store at the YYY market branch. The customer who knows this can confirm whether the branch name is a YYY market branch and determine whether the branch name is genuine. Furthermore, when opening a transfer-only account, each store does not need to perform the procedure itself, and YYY Corporation can perform the procedure in a unified manner, so that the efficiency of office procedures increases.

  If XXX Bank is an Internet bank where there is no actual store, it is not necessary to have a branch. However, if a format common for transfer of transfer data and the like between banks is defined by a common protocol for banks nationwide, it is not possible to make a branch blank in order to transfer between banks according to this protocol. The bank needs to open a virtual branch and use the virtual branch for transfer data and the like. In the present embodiment, YYY Corporation can secure security by cooperating with XXX Bank by effectively utilizing the fact that XXX Bank can open branches relatively freely. The same can be said for an Internet-only branch of a bank having actual stores, even if the bank is not dedicated to the Internet.

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

  Further, since the transfer-only account information includes information capable of identifying the store, the bank system 1 can specify the store of the transfer-only account.

  In addition, since the holder of the transfer-only account includes YYY Corporation and the name of the store, it is possible for the customer to confirm the transfer holder and confirm that it is a legitimate website, further improving security. Can be. Further, since the name of the transfer-only account includes the name of YYY Corporation, the customer can be conscious of the transfer to YYY Corporation. For example, by arranging the name of YYY Corporation at the beginning of the holder, the main part of the holder can be the name of YYY Corporation and the store name can be supplementary, so under the control of YYY Corporation Impress your customers with a secure account.

  In addition, since the money transferred to the real account of YYY Corporation is transferred to the real account of each store, sales can be finally managed in the account of each store.

  In addition, there is a restriction that the bank account for bank transfer payment at the store cannot be set up except for the bank account, so that the bank account to guide customers cannot be set up except for the bank account, ensuring security. can do.

[5. Modification]
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, it has been described that when an employee in charge of opening a store of YYY Co., Ltd. selects the account opening button 63, account opening data is transmitted for each store that has applied for a store opening. However, the method of transmitting account opening data is not limited to this. I can't. For example, a list of a plurality of stores for which a store opening review employee of YYY Co., Ltd. has performed a store opening review is displayed on a new store opening screening result input screen, and in order to open a transfer-only account for each of these multiple stores. Account opening data may be transmitted at one time. Further, the timing at which the account opening data is transmitted may be a predetermined date and time specified in a batch file or the like. In addition, without displaying a list of multiple stores on the screen, at a predetermined timing, extract data of stores for which a transfer-only account has not been established from store master data that has been newly opened and examined, and collectively open account opening data You may make it transmit. In this case, the transmission unit 201 refers to the store master data and specifies a record in which the information of the transfer-only account is not stored. This record is data of a store that has passed the store opening examination and has no transfer-only account. The transmitting unit 201 transmits account opening data for opening a transfer-only account of the store corresponding to this record.

  Further, for example, when requesting the account information registration device 10 to open a transfer-only account, the store management device 20 may transmit only the store ID first and request only the transfer-only account. In this case, the account information registration device 10 temporarily stores the store ID, the account number of the transfer-only account, and the real account information in the transfer-only account master database. Thereafter, the store management device 20 stores the store ID and other information (for example, the name of the transfer-only account, the bank code of the remittee, the branch code of the remittee, the deposit type of the remittee, the account number of the remittee, Information indicating the previous holder and the 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 exchange may be performed 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 transfer-dedicated account of the YYY market branch and the store may have a many-to-one relationship.

  Further, for example, in the above embodiment, all data included in the transfer-only account history data but not included in the actual account history data may be set as additional information or other data items of the actual account history data. This eliminates the need to hold the transfer-only 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 devices, 30 store terminals, 40 customer terminals, 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 settlement method setting screen, 51 list, 52, 53, 54, 55 buttons, 56 information, 57 input form, 60 new store examination 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 reception unit, 102 registration unit, 103 restriction 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 in a branch dedicated to the online shopping mall, which is a transfer-only account opened by the online shopping mall operator, and for a store that has passed the screening for opening the online shopping mall. Receiving means for receiving the establishment data from the store management device of the operator;
The transfer-only account information indicating the transfer-only account in the branch, which is opened based on the account-opening data, the real account information indicating the operator's real account for transferring a deposit to the transfer-only account Registration means for registering in the database in association with
Limiting means for limiting 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-only account information in the database in association with the real account information indicating a real account of the operator in the branch,
The account information registration device according to claim 1, wherein: The registering means registers the transfer-only account information including information capable of identifying the store,
The account information registration device 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-only account information indicating the transfer-only account of a holder including the name of the store and the name of the operator,
The account information registration device according to claim 1, wherein: The account information registration device,
Means for acquiring information indicating the actual account of each store in the online shopping mall,
When a transfer is transferred to the transfer-only account of the store in the online shopping mall, a process for transferring a part or all of the transfer to the real account of the operator to the real account of the store. Means for performing
The account information registration device according to any one of claims 1 to 4, 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, to the account information registration device, the account opening data for opening the transfer-dedicated account of the store, when the store that has applied for the store opening to the online shopping mall passes the store opening examination,
In a setting screen for setting a settlement method that can be handled at each store in the online shopping mall, restricting an account other than the transfer-only account of the store to an account for transfer settlement of the store is restricted. Means,
A store management device comprising: An account for opening a transfer-only account in a branch dedicated to the online shopping mall, which is a transfer-only account opened by the online shopping mall operator, and for a store that has passed the screening for opening the online shopping mall. Receiving the opening data from the store management device of the operator,
The transfer-only account information indicating the transfer-only account in the branch, which is opened based on the account-opening data, the real account information indicating the operator's real account for transferring a deposit to the transfer-only account A registration step of registering in the database in association with the
A restricting step of restricting opening of an account other than the store that has passed the store opening examination in the branch;
A method of registering account information, comprising: If the store that has applied for opening a store in the online shopping mall passes the store opening examination, a transfer-only account opened by the online shopping mall operator in the branch dedicated to the online shopping mall, and Transmitting account opening data for opening a transfer-only account to an account information registration device;
In a setting screen for setting a settlement method that can be handled at each store in the online shopping mall, restricting an account other than the transfer-only account of the store to an account for transfer settlement of the store is restricted. Steps and
Store management method characterized by including. An account for opening a transfer-only account in a branch dedicated to the online shopping mall, which is a transfer-only account opened by the online shopping mall operator, and for a store that has passed the screening for opening the online shopping mall. Receiving means for receiving the establishment data from the store management device of the operator,
The transfer-only account information indicating the transfer-only account in the branch, which is opened based on the account-opening data, the real account information indicating the operator's real account for transferring a deposit to the transfer-only account Registration means for registering in the database in association with
Limiting means for limiting 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, to the account information registration device, the account opening data for opening the transfer-only account of the store when the store that has applied for the store opening to the online shopping mall passes the store opening examination;
In a setting screen for setting a settlement method that can be handled at each store in the online shopping mall, restricting an account other than the transfer-only account of the store to an account for transfer settlement of the store is restricted. means,
Program to function as. In the store management device of the online shopping mall operator, if the store that has applied for opening a store in the online shopping mall passes the store opening examination, the financial institution, the branch dedicated to the online shopping mall, A transmission step of transmitting account opening data for opening a transfer-only account for the store, which is a transfer-only account opened by an operator, to the account information registration device of the financial institution;
In the account information registration device, a receiving step of receiving the account opening data from the store management device,
In the account information registration device, based on the account opening data, the transfer-only account information indicating the transfer-only account in the branch, the transfer of the transfer-only account to the transfer-only account of the operator of the A registration step of registering in a database in association with real account information indicating a real account,
In the account information registration device, a limiting step of limiting opening an account other than the store that has passed the store opening examination in the branch,
In the store management device, on a 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-only account of the store is changed to an account for transfer payment of the store. Limiting the setting;
A method for setting up transfer payment 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,
When a transfer is transferred to the transfer-only account of the store in the online shopping mall, a process for transferring a part or all of the transfer to the real account of the operator to the real account of the store. Performing the steps
The method according to claim 11, further comprising the step of:

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