JP2021026662A - Settlement management system, and settlement management method - Google Patents

Abstract

To enable management easy and secure settlement under an environment of non-cashless settlement.SOLUTION: In a settlement management system, a bank system 200 comprises: a storage device 201 that holds a paper medium DB225 defining an association of a paper medium with a bank account of a right-to-use authorized person of the paper medium, and an authentication DB226 managing authentication information relating to a holder of the bank account; and a computation device 204 that, when acquiring authentication-purpose information relating to a user of the paper medium from a terminal of a shop where the paper medium is presented as settlement means, and authentication processing based on the authentication-purpose information and the authentication DB226 is succeeded, implements processing for moving a fund corresponding to a settlement amount from the bank account associating the paper medium to the bank account of the shop, and implements processing of resolving the association of the bank account of the right-to-use authorized person with respect to the paper medium in the paper medium DB225.SELECTED DRAWING: Figure 4

Description

The present invention relates to a payment management system and a payment management method.

As a global trend, the wave of cashless society is rushing to Japan. However, the number of people who want to use cash for payment still remains. Therefore, it is estimated that there will be a considerable grace period before a nearly completely cashless world is realized.

As various conventional techniques related to such cashless and cash handling, for example, at supermarkets, department stores, various stores, etc., the received change is inserted into the housing slot and converted into a cash voucher card, or a bank. In the above, a device (see Patent Document 1) has been proposed in which the money to be saved is inserted from the housing slot and converted into a cash ticket card of a designated bank, and the money is converted into a cash ticket card.

In addition, it is a storage means for storing the issue number of banknote money having a fixed amount and the balance of coin money as a value amount, and a means for processing in the case of payment transactions, and the coin money balance is equal to or more than the transaction amount. For example, by deducting the transaction amount from the coin money balance, the payment procedure is performed, and if the coin money balance is less than the transaction amount and more than the banknote amount, the issue number of the maximum number of banknote money that does not exceed the transaction amount is deleted. After completing the payment procedure, the balance is used as the transaction balance, and if the coin money balance is greater than or equal to the transaction balance, the transaction balance is paid by subtracting the transaction balance from the coin money balance, and the coin money balance is less than the transaction amount or less than the transaction balance. If so, it is a token-value mixed type electronic characterized by having a processing means for performing a payment procedure of the transaction amount or the transaction balance by converting the banknote money into the value amount of coin money and erasing the issue number of the banknote money. Money cards (see Patent Document 2) have also been proposed.

Japanese Unexamined Patent Publication No. 8-293053 Japanese Unexamined Patent Publication No. 11-1437976

As mentioned above, for those who continue to use cash, it is difficult to feel the reality of cashless payments using smartphones and IC cards, and it is difficult for them to check how much they actually paid, and there is still concern about overuse. I feel various concerns. In addition, if a smartphone or IC card is stolen, there is a sense of anxiety that it may be used for payment as it is.

On the other hand, even for such a person, it is troublesome to go to a financial institution each time to withdraw cash. Especially for those who live in suburbs or depopulated areas where there are few financial institutions and who do not have or have difficulty in using transportation, the inconvenience and trouble of such cash withdrawals are much greater than those who live in urban areas. It tends to grow in size.

Therefore, an object of the present invention is to provide a technique that enables easy-to-manage and secure payment in a non-cashless payment environment.

The settlement management system of the present invention that solves the above problems manages a paper medium DB that defines a link between a paper medium and a bank account of a person who is authorized to use the paper medium, and authentication information about the holder of the bank account. Authentication information about the user of the paper medium is acquired from the storage device that holds the authentication DB and the terminal of the store presented using the paper medium as the payment means, and authentication based on the authentication information and the authentication DB. When the processing is successful, the processing of executing the transfer of funds from the bank account associated with the paper medium to the bank account of the store according to the settlement amount, and the user authorized person for the paper medium in the paper medium DB. It is characterized by including a banking system including a processing device for breaking the linking of the bank account and a computing device for executing the processing.

Further, in the settlement management method of the present invention, the bank system manages a paper medium DB that defines a link between the paper medium and the bank account of the person who is authorized to use the paper medium, and authentication information about the holder of the bank account. The authentication DB is held, and the authentication information about the user of the paper medium is acquired from the terminal of the store presented using the paper medium as the payment means, and the authentication process based on the authentication information and the authentication DB is performed. If it succeeds, the process of executing the transfer of funds from the bank account associated with the paper medium to the bank account of the store according to the settlement amount, and the process of executing the transfer of funds to the paper medium in the paper medium DB, and the user authorized to use the paper medium in the paper medium DB. It is characterized by executing a process of canceling the association of a bank account.

According to the present invention, easy-to-manage and secure payment can be made in a non-cashless payment environment.

It is a network block diagram including the payment management system of this embodiment. It is a figure which shows the example of the paper medium in this embodiment. It is a figure which shows the hardware configuration example of the medium issuing apparatus in this embodiment. It is a figure which shows the hardware configuration example of the banking system in this embodiment. It is a figure which shows the hardware configuration example of the store terminal in this embodiment. It is a figure which shows the data structure example of the paper medium DB of this embodiment. It is a figure which shows the data structure example of the authentication DB of this embodiment. It is a figure which shows the data structure example of the history DB of this embodiment. It is a figure which shows the flow example 1 of the settlement management method in this embodiment. It is a figure which shows the screen example 1 in this embodiment. It is a figure which shows the screen example 2 in this embodiment. It is a figure which shows the flow example 2 of the settlement management method in this embodiment. It is a figure which shows the screen example 3 in this embodiment. It is a figure which shows the screen example 4 in this embodiment. It is a figure which shows the screen example 5 in this embodiment. It is a figure which shows the flow example 3 of the settlement management method in this embodiment. It is a figure which shows the screen example 6 in this embodiment. It is a figure which shows the screen example 7 in this embodiment. It is a figure which shows the flow example 4 of the settlement management method in this embodiment. It is a figure which shows the screen example 8 in this embodiment. It is a figure which shows the screen example 9 in this embodiment.

--- Network configuration ---

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. FIG. 1 is a network configuration diagram including the payment management system 10 of the present embodiment. The payment management system 10 shown in FIG. 1 is a computer system that enables easy and secure payment in a non-cashless payment environment.

Such a payment management system 10 includes at least a media issuing device 100, a bank system 200, and a store terminal 300.

Of these, the medium issuing device 100 is a device that issues a paper medium 5 that is not the current cash (banknotes, coins). As illustrated in FIG. 2, the paper medium 5 is printed with the face value 51 of the paper medium 5 indicating the denomination and the two-dimensional bar code 52. The two-dimensional barcode 52 is a coded medium ID that uniquely identifies the paper medium 5. Of course, this two-dimensional barcode 52 is an example, and may be a one-dimensional barcode or an appropriate IC chip such as RFID.

These printings are performed by a financial institution or the like in advance before the paper medium 5 is loaded into the medium issuing device 100, or when the paper medium issuing device 100 receives an issuing request from the user and issues the paper medium. When executed by the device 100, both cases can be assumed.

Further, the bank system 200 is a system that manages information about the paper medium 5 issued to the user by the paper medium issuing device 100. The information managed here is assumed to be the identification information of the paper medium 5, the face value, the associated user and its target account, and the like.

Further, in the bank system 200, when the paper medium 5 is used for the settlement at the store, the amount of the corresponding face value is transferred from the account of the authorized user associated with the paper medium 5 to the account of the store. (The processing of change generated at this time will be described later).

The banking system 200 may be the core banking system itself, or may be a system that requires the core banking system to perform necessary processing when the paper medium 5 is issued or used.

Further, the store terminal 300 is a terminal provided in the store visited by the user of the paper medium 5. When selling goods and services to visiting users, this store accepts not only cash and credit card payments but also paper media 5 payments, or only paper media 5 payments.

The store terminal 300 reads the two-dimensional barcode 52 printed on the paper medium 5, and uses the medium ID obtained in this reading process as a key to make an inquiry to the bank system 200. As a result of this inquiry, the store terminal 300 is used for authentication. It is a terminal that executes a series of processes such as processing related to the paper medium 5 corresponding to the required change amount when change occurs when the transfer is successfully performed by the bank system 200.
--- Hardware configuration ---

FIG. 3 is a diagram showing a hardware configuration example of the medium issuing device 100 according to the present embodiment. In the present embodiment, the hardware configuration of the medium issuing device 100 included in the payment management system 10 is as follows.

The medium issuing device 100 includes a storage device 101, a memory 103, an arithmetic device 104, an input device 105, an output device 106, a communication device 107, a paper medium issuing mechanism 108, and a scanning device 109. Of these, the storage device 101 is composed of an appropriate non-volatile storage element such as an SSD (Solid State Drive) or a hard disk drive. Further, the memory 103 is composed of a volatile storage element such as a RAM.

Further, the arithmetic unit 104 is a CPU that executes the program 102 held in the storage device 101 by reading it into the memory 103 to perform overall control of the apparatus itself, and also performs various determinations, arithmetic operations, and control processes.

Further, the input device 105 is an appropriate device such as a touch panel or a microphone that accepts key input and voice input from the user. Further, the output device 106 is an appropriate device such as a display or a speaker that displays the processing data in the arithmetic unit 104.

Further, the communication device 107 is a network interface card that is connected to the network 1 and is responsible for communication processing with the bank system 200.

Further, the paper medium issuing mechanism 108 holds the paper medium 5 on which various face values are printed by a structure such as a stacker, and among the paper media 5 held here, the one on which a predetermined face value is printed is an arithmetic unit. It is a mechanism for transporting and discharging according to an instruction from 104. Specifically, a cash management mechanism provided in an ATM may be assumed. However, in the case of the medium issuing device 100 of the present embodiment, the target is not cash but paper medium 5.

It should be noted that the paper medium issuing mechanism 108 manages the medium ID of the paper medium 5 held by the structure such as a stacker, that is, the unpublished paper medium 5 as the unpublished medium list 1081 as described above. To do.

In this list, when a bundle of paper media 5 is set in a structure such as a stacker, the medium IDs of the paper media 5 included in the bundle are listed in the order of scheduled issuance (the order in which they are discharged according to the structure and operation of the mechanism). Can be assumed. The person in charge of setting the bundle of the paper medium 5 shall input the data of the corresponding information in the input device 105 of the paper medium issuing device 100.

Further, the scanning device 108 is a device that executes a reading operation for a bank's cash card or passbook. Specifically, a general function of communicating with the IC chip of the cash card to acquire the account information held by the IC chip, or reading the magnetic stripe of the passbook is executed, and the magnetic stripe provides information. It is a device having a general function of acquiring the account information held as.

As a specific example of the paper medium issuing device 100, for example, an ATM managed by a financial institution can be assumed. Alternatively, a printing device having a predetermined authentication function can be assumed at a terminal provided in various stores such as a convenience store, a private store, a post office, etc., in addition to a business office of a financial institution.

Such a printing device reads the cash card brought by the user with its authentication function card reader, inquires the bank system 200 of the account information obtained there, and prints the paper medium 5 when the predetermined authentication process is successful. , You can imagine what to output.

Alternatively, it is conceivable that the biometric information reader scans the user's body, inquires the biometric information obtained there, and prints and outputs the paper medium 5 when the predetermined authentication process is successful.

FIG. 4 is a diagram showing a hardware configuration example of the banking system 200 according to the present embodiment. The banking system 200 of the present embodiment includes a storage device 201, a memory 203, an arithmetic device 204, and a communication device 205. Of these, the storage device 201 is an SSD (Solid).
It is composed of an appropriate non-volatile storage element such as a State Drive) or a hard disk drive. Further, the memory 203 is composed of a volatile storage element such as a RAM.

Further, the arithmetic unit 204 is a CPU that executes the program 202 held in the storage device 201 by reading it into the memory 203, etc., to perform integrated control of the apparatus itself, and to perform various determinations, calculations, and control processes.

Further, the communication device 205 is a network interface card that is connected to the network 1 and is responsible for communication processing with the above-mentioned paper medium issuing device 100 and the store terminal 300.

In addition to the program 202 for implementing the functions required as the bank system 200 constituting the payment management system 10 of the present embodiment, the storage device 201 contains at least a paper medium DB 225, an authentication DB 226, and a history DB 227. It is remembered. Details of the paper medium DB 225, the authentication DB 226, and the history DB 227 will be described later.

FIG. 5 is a diagram showing a hardware configuration example of the store terminal 300 according to the present embodiment. The store terminal 300 of the present embodiment includes a storage device 301, a memory 303, an arithmetic device 304, an input device 305, an output device 306, a communication device 307, a code reader 308, and a biometric information sensor 309.

Of these, the storage device 301 is composed of an appropriate non-volatile storage element such as an SSD (Solid State Drive) or a hard disk drive. Further, the memory 303 is composed of a volatile storage element such as a RAM.

Further, the arithmetic unit 304 is a CPU that executes the program 302 held in the storage device 301 by reading it into the memory 303, performs overall control of the apparatus itself, and performs various determinations, arithmetic operations, and control processes.

Further, the input device 305 is an appropriate device such as a touch panel or a microphone that accepts key input and voice input from the user. Further, the output device 306 is an appropriate device such as a display or a speaker that displays the processing data in the arithmetic unit 304.

Further, the communication device 307 is a network interface card that is connected to the network 1 and is responsible for communication processing with the bank system 200.

The code reader 308 is a reader that scans a code (for example, a two-dimensional bar code) printed on the paper medium 5 and extracts information contained in the code.

Further, the biometric information sensor 309 is a sensor for observing the biometric information of a purchase applicant, and specifically, observes a predetermined type of biometric information such as a vein or iris pattern and a feature amount of a facial image. It is a sensor.
--- Data structure example ---

Subsequently, the database used by the banking system 200 in the payment management system 10 of the present embodiment will be described. FIG. 6 shows an example of the paper medium DB 225 in the present embodiment. The paper medium DB 225 is a database that stores various information related to the paper medium 5 issued by the above-mentioned financial institution.

The data structure is a collection of records composed of data such as the amount of money printed on the face of the paper medium, the target account, and the authorized user, using the medium ID that uniquely identifies the paper medium 5 as a key.

Of these, the target account is information on an account held by the person authorized to use the paper medium 5 at the above-mentioned financial institution, and the settlement funds associated with the settlement using the paper medium 5 are secured. As the account information, values such as store number, subject, and account number can be assumed.

Further, the user authority is the information of the user authority of the paper medium 5 as described above. The information of the user authority is, for example, when the paper medium 5 is issued, the account holder associated with the paper medium 5 by the bank system 200 upon receiving a notification from the paper medium issuing device 100 in charge of the issuance. Assume the identification information of. Here, the customer ID is assumed as the identification information of the account holder.

Further, the above-mentioned notification from the paper medium issuing device 100 assumes the account information read from the cash card or passbook presented by the user authority by the paper medium issuing device 100.

The link between the paper medium 5 and the target account and the authority to use the paper medium 5 may be at any time, at least until just before the use of the paper medium 5 at the store, depending on the operating environment and the policy of the financial institution. It shall be possible to operate as appropriate.

Further, FIG. 7 shows an example of the authentication DB 226 in the present embodiment. The authentication DB 226 is a database that holds and manages authentication information of each account holder of a financial institution. The data structure is a collection of records associated with the authentication information of the account holder, using the customer ID that uniquely identifies the account holder as a key.

As the above-mentioned authentication information, for example, the finger vein of the account holder, the pattern of the iris, the feature amount of the facial image, and the like are assumed, but the authentication information is not limited to this. For example, depending on the policy of the financial institution, only the personal identification number or the combination of the biological information and the personal identification number may be treated as the authentication information.

In addition to the form held by the bank system 200 as in the present embodiment, the above-mentioned authentication DB 226 may be held by the store terminal 300. In that case, for example, an operation mode in which the authentication information of the account holders of the above-mentioned financial institutions who live in the area where the predetermined store is located is held by the store terminal 300 of the store can be assumed. That is, the store terminal 300 executes the authentication process for the person who lives in the vicinity of the store terminal 300.

Further, FIG. 8 shows an example of the history DB 227 in the present embodiment. The history DB 227 is a database that stores history information of fund transfers performed using the paper medium 5 as a payment means. The data structure is, for example, a collection of records associated with the history of fund transfer of each user (customer of a financial institution) in the collection period, using the collection period of history information as a key. --- Flow example (paper media issuance) ---

Hereinafter, the actual procedure of the payment management method in the present embodiment will be described with reference to the figure. Various operations corresponding to the payment management method described below are realized by a program read by each device constituting the payment management system 10 into its memory or the like and executed. The program is composed of code for performing various operations described below.

FIG. 9 is a diagram showing a flow example 1 of the payment management method in the present embodiment. Here, first, a procedure for issuing the paper medium 5 in the paper medium issuing device 100 will be described.

In this case, the paper medium issuing device 100 receives an instruction of a user who wishes to issue the paper medium 5 by an input device 105 such as a touch panel, guides a set of a cash card or a passbook, and inputs a password. (Screen 1000 in FIG. 10) is displayed (s1).

Further, the scanning device 109 of the paper medium issuing device 100 executes an authentication request including the personal identification number input by the user described above to, for example, an IC chip of a cash card, and in response to the success of this authentication, the paper medium 5 (Screen 1100 in FIG. 11) and the read operation for the cash card are executed (s2). The information obtained here is the value of the desired issuance amount of the paper medium 5 and the information (store number, subject, account number) of the bank account associated with the cash card.

Subsequently, the paper medium issuing device 100 includes the bank account of the above-mentioned user who obtained the information in s2, that is, the person who wants to issue the paper medium 5, the issuing amount (desired amount), and the medium ID. Generate a registration request and notify the banking system 200 of this (s3).

Prior to the above-mentioned notification of the registration request, the paper medium issuing device 100 is held by its own paper medium issuing mechanism 108, that is, it is an unissued paper medium 5, and the printing amount corresponds to the issuing amount. The identification information of the paper is extracted from the unpublished medium list 1081 (according to the specified issuing order) and included in the registration request.

On the other hand, in the bank system 200, the above-mentioned registration request is received, and the bank account, the issue amount, and the medium ID of the paper medium 5 of the person who wishes to issue, that is, the person who is authorized to use the paper medium DB 225 are linked and registered. Will be done. The banking system 200 returns a notification of registration completion to the above-mentioned paper medium issuing device 100.

On the other hand, the paper medium issuing device 100 receives the notification of the completion of registration from the banking system 200, discharges the paper medium 5 registered in the paper medium DB 225 from the paper medium issuing mechanism 108 (s4), and ends the process.
--- Flow example (operation associated with the use of paper media) ---

Subsequently, a process when the paper medium 5 issued as described above is actually used in a store as a payment means by a person who wishes to purchase a product or the like will be described. FIG. 12 is a diagram showing a flow example 2 of the payment management method in the present embodiment.

In this case, the store terminal 300 at the store requests the above-mentioned purchase applicant to set the paper medium 5 in the code reader 308 (screen 1300 in FIG. 13), and the code reader is requested for the paper medium 5. The reading operation by the 308 is executed, and the medium ID of the paper medium 5 is acquired from the two-dimensional barcode 52 printed on the paper medium 5 (s10).

Further, the store terminal 300 requests the above-mentioned purchase applicant to set the body part on the biometric information sensor 309 (screen 1400 in FIG. 14), and the bioinformation sensor 309 causes, for example, a finger vein of the purchase applicant. (S11), the biological information is acquired by sensing with respect to.

The store terminal 300 generates authentication information including the medium ID obtained in s10 and the biometric information obtained in s11, and transmits this as an authentication request to the bank system 200 (s12).

On the other hand, the bank system 200 acquires the above-mentioned authentication information regarding the purchase applicant from the store terminal 300, and executes the authentication process based on the authentication information and the authentication DB 226 (s13).

In this authentication process, the customer ID, which is the identification information of the user-authorized person, is specified in the paper medium DB 225 using the medium ID included in the authentication information as a key, and the authentication information is specified in the authentication DB 226 using the customer ID as a key. The biometric information included in the above-mentioned authentication information is collated with the authentication information obtained from the authentication DB 226, and if the degree of matching is equal to or higher than the standard, the authentication is successful. If the above-mentioned authentication process fails (s14: n), the banking system 200 ends the process.

On the other hand, when the above-mentioned authentication process is successful (s14: y), the bank system 200 transfers the deposit amount of the print amount (value in the print amount column) of the paper medium 5 to the paper based on the paper medium DB 225. A transfer is made from the bank account of the authorized user associated with the medium 5 to the bank account of the above-mentioned store (s15), and the funds are transferred according to the settlement amount.

The processing of such a transfer is the processing of a normal core banking system in a financial institution. The bank system 200 notifies the store terminal 300 of the completion of such a fund transfer (s16).

Further, the bank system 200 cancels the association of the bank account of the user authority with the above-mentioned paper medium 5 in the paper medium DB 225 (s17), and ends the process.

However, the process of canceling the association of the bank account of the authorized user with the paper medium 5 is pending when there is an abnormality or interruption in the communication environment between the bank system 200 and the store terminal 300, and the banking system. The 200 may monitor the communication environment thereafter and execute it when the communication environment is restored.

On the other hand, the store terminal 300 displays the above notification on a display or the like (screen 1500 in FIG. 15) (s18), and ends the process. In the flow shown in FIG. 12, it is premised that the print amount of the paper medium 5 presented by the purchase applicant matches the amount of the product or the like to be settled, that is, the settlement amount, and no change is generated.

Therefore, the situation in which change is generated in connection with the settlement using the paper medium 5 will be described below. Therefore, when the funds are transferred in s15, the banking system 200 executes various processes depending on the presence or absence of change, as shown in the flow of FIG.

Here, the bank system 200 compares the amount transferred to the store account by the transfer of funds in s15 with the value of the settlement amount indicated by the authentication request from the store terminal 300 (s20).

As a result of this comparison, if the transfer amount and the settlement amount match (s21: n), the bank system 200 terminates this flow (the overall flow transitions to s16 in the flow of FIG. 12).

On the other hand, as a result of the above comparison, when the transfer amount exceeds the settlement amount (s21: y), the bank system 200 subtracts the settlement amount from the transfer amount to specify the change amount and informs the above-mentioned purchase applicant. Judgment regarding the refund method of the change (s22).

This refund method can be assumed to be a case where the bank system 200 acquires the one specified by the purchase applicant or the store staff on the store terminal 300 from the above-mentioned authentication request, or a case where the bank system 200 is defined in advance by default ( Of course, there is no limitation).

As a result of the above determination, if the refund method is transfer (s23: transfer), the bank system 200 notifies the store terminal 300 of the change amount obtained in s22 and wishes to purchase from the bank account of the store. Transfer to the bank account of the person, that is, the person who is authorized to use the paper medium 5 (s24).

On the other hand, the store terminal 300 receives a notification of the change amount from the bank system 200, prepares a paper medium 5 for change that is held at the store and has no connection with the authority to use, and gives an instruction to input the medium ID (FIG. 17). Screen 1700) is displayed on a display or the like (s25).

Further, the store terminal 300 acquires the medium ID of the paper medium 5 used for change through the screen displayed in s25, and requests the bank system 200 to register the paper medium 5 for change including this medium ID. Notify (s26).

On the other hand, in the bank system 200, with respect to the paper medium 5 for change obtained from the store terminal 300, the change amount of the deposit amount in the bank account of the purchase applicant described above is the paper medium 5 for change. It is held in the paper medium DB 225 as information on the amount of money locked as the amount to be printed, and a notification of registration completion is returned to the store terminal 300 (s27).

On the other hand, the store terminal 300 receives the above notification, displays it on a display or the like (screen 1800 in FIG. 18) (s28), and ends the process.

As a result of the above-mentioned determination in s23, the refund method is to refund only a part of the change amount to the user with the paper medium 5 for change, and refund the remaining amount of the change amount to the user, for example, in cash. If there is (s23: part), the banking system 200 shifts the process to s30 of the flow of FIG.

In this case, the bank system 200 transfers a part of the above-mentioned change amount (the amount specified by the purchase applicant or the store staff from the store terminal 300) from the bank account of the store to the bank account of the above-mentioned purchase applicant. (S30).

Further, with respect to the paper medium 5 for change obtained from the store terminal 300, the bank system 200 changes a part of the above-mentioned change amount in the bank account deposit amount of the purchase applicant. It is held in the paper medium DB 225 as information on the amount of money locked as the print amount of the paper medium 5 for use (s31).

Further, the bank system 200 notifies the store terminal 300 of a request for output of a receipt indicating that the balance of the change amount (that is, the balance obtained by subtracting the above-mentioned "partial" amount from the change amount) has been refunded in cash. (S32).

In response to the above request, the store terminal 300 prints and outputs (s33) information on the breakdown of the change refunded in each of the change paper medium 5 and cash on a receipt (receipt 2000 in FIG. 20) and processes it. To finish. In the present embodiment, the medium output by the store terminal 300 is shown as a receipt, but in addition to this, various electronic means such as a screen display for outputting the print contents of the receipt or an e-mail can be used. May be good. In that case, the form in which the screen data is displayed on the display or the like for the purchase applicant in the store terminal 300, or the electronic data such as the screen data or e-mail is transmitted from the store terminal 300 to the terminal of the purchase applicant described above. (Of course, the store terminal 300 holds in advance the address of the destination such as the terminal or the television and can be used).

If the refund method is to transfer the entire change amount, the bank system 200 will transfer the entire change amount from the bank account of the store to the bank account of the purchase applicant. In this case as well, as described above, the bank system 200 notifies the store terminal 300 of an output request indicating that all the change amount has been refunded by transfer, and causes the store terminal 300 to output a receipt.

In addition, the bank system 200 stores the history of fund transfer according to the payment amount made by using the paper medium 5 as the payment means in a predetermined period such as one day or one week.
It is assumed that it is stored in the history DB 227 of 1.

Therefore, it is preferable that the bank system 200 distributes the history information for a predetermined period held in the history DB 227 to the terminal of the user authorized person or the terminal of the person concerned with the user authorized person (screen 2100 in FIG. 21). .. In this case, TV is suitable as the terminal to be distributed.

Although the best mode for carrying out the present invention has been specifically described above, the present invention is not limited to this, and various modifications can be made without departing from the gist thereof.

In such an embodiment, the paper medium in which the information of the user authority is not linked is of no value as a payment means, and even if it is tried to be used as it is, payment cannot be made.

That is, even if the paper medium is stolen, unauthorized use by a third party is fundamentally impossible unless the information of the user who is authorized to use the paper medium is linked. In addition, even if the information of the user authority is linked, it cannot be used in the same way unless the identity authentication of the user authority is successful.

Such an effect means that secure handling during transportation is basically unnecessary. Therefore, when delivering the paper medium to the authorized user, various routes such as ordinary mail can be appropriately adopted.

On the other hand, financial institutions analyze the above-mentioned paper media DB and account information in the accounting system as payment history, and estimate the purchase tendency of products and services at stores according to the attributes and hierarchy of users. It is possible to perform secondary utilization of information such as.

In other words, it provides a cashless service (payment management using a paper medium equivalent to a fixed-rate check with an authentication function) that uses a paper medium that has almost the same usage feeling as cash, and is easy to manage in a non-cashless payment environment. Secure payment is possible.

The description herein reveals at least the following: That is, in the bank system of the settlement management system of the present embodiment, in the paper medium DB of the storage device, the amount locked as the print amount of the paper medium out of the deposit amount of the bank account of the user authorized. The computing device further retains the information of the above, and when the funds are transferred, the calculation device transfers the deposit amount of the printed amount of the paper medium from the bank account of the user-authorized person to the bank of the store based on the paper medium DB. It may be transferred to an account.

According to this, the effectiveness of the paper medium as a payment method can be improved by managing the corresponding amount of the deposit balance of the bank account of the authorized user as non-withdrawal as the actual funds to support the printed amount of the paper medium. It is secured and can lead to secure and smooth payment.

Further, in the bank system of the payment management system of the present embodiment, the calculation device subtracts the payment amount from the transferred amount to obtain the change amount from the bank account of the store of the user-authorized person. Regarding the process of transferring money to a bank account and the change paper medium obtained from the terminal of the store, the change amount of the deposit amount of the bank account of the user authorized to use is used as the print amount of the change paper medium. The process of holding the locked amount of money in the paper medium DB as information may be further executed.

According to this, it is possible to respond to the situation where change is generated due to the settlement using the paper medium, and to refund the change by the paper medium. As a result, more manageable and secure payments will be possible in a non-cashless payment environment.

Further, in the bank system in the payment management system of the present embodiment, the calculation device refunds only a part of the change amount to the user using the change paper medium from the terminal of the store, and the change amount. When notified that the balance will be refunded to the user by cash or transfer, a part of the change amount will be transferred from the bank account of the store to the bank account of the authorized user, and the store. With respect to the change paper medium obtained from the terminal of the above, a part of the change amount of the deposit amount of the bank account of the user authorized to use is locked as the print amount of the change paper medium. The process of holding in the paper medium DB and the process of notifying the terminal of the store of an output request indicating that the balance has been refunded by cash or transfer may be further executed.

According to this, even if the store does not have abundant paper media for change, some of the change will be refunded in paper media, and the remaining change will be cashed or transferred. It is possible to operate the flexibility such as refunding with. In addition, even in the case of such anomalous operation, by having the store output a receipt printed on the fact that such operation was performed and its contents, it is effective to neglect or cheat on the store side regarding refund of change. It provides a mechanism to increase the sense of security of payment for users. As a result, more manageable and secure payments will be possible in a non-cashless payment environment.

Further, in the banking system of the payment management system of the present embodiment, when the arithmetic unit receives a notification from the terminal of the store that the entire change amount is to be transferred to the user, the change amount is received. Further execution of a process of transferring all of the above from the bank account of the store to the bank account of the user authorized, and a process of notifying the terminal of the store of an output request indicating that the change amount has been refunded by transfer. It may be something to do.

According to this, even if the stock of paper media for change is exhausted at the store, it is possible to perform a flexible operation of refunding all the change by transfer. In addition, even in the case of such a peculiar operation, by having the store output a receipt printed on the fact that the operation was performed and its contents, the store's negligence and fraud regarding the refund of change can be effectively eliminated. It provides a mechanism to deter and increase the sense of security of payment for users. As a result, more manageable and secure payments will be possible in a non-cashless payment environment.

Further, in the bank system in the payment management system of the present embodiment, the authentication DB of the storage device manages the biometric information of the user-authorized person as the authentication information, and the arithmetic device is the store's. The authentication process of the user may be executed by acquiring the biometric information of the user as the authentication information from the terminal and collating the biometric information of the user with the biometric information of the authentication DB. ..

According to this, based on the identification information of the paper medium read by the terminal of the store and the biometric information of the user, it is possible to execute highly accurate personal authentication as to whether the person is genuinely registered as the authorized person to use the paper medium. .. As a result, more manageable and secure payments will be possible in a non-cashless payment environment.

Further, in the banking system of the payment management system of the present embodiment, the arithmetic unit stores in the storage device the history of fund transfer according to the payment amount performed using the paper medium as the payment means in a predetermined period. However, the process of distributing the history information to the terminal of the user-authorized person or the terminal of the person concerned with the user-authorized person may be further executed.

According to this, the history of payment using paper media is displayed on a terminal that is viewed most daily, such as a TV held by a person who is authorized to use the paper medium, to avoid spending too much money. It will be easier for you to recognize it yourself, and you can expect the effect of suppressing the anxiety that has existed in the past regarding cashless payments. As a result, more manageable and secure payments will be possible in a non-cashless payment environment.

Further, in the payment management system of the present embodiment, a scanning device that executes a reading operation on the cash card or passbook of the issuing applicant presented by the issuing applicant of the paper medium and the issuing that obtains information by the reading operation. The process of notifying the bank system of the registration request of the paper medium including the bank account of the applicant and the identification information of the unissued paper medium corresponding to the issue amount specified by the issue applicant, and the registration request. Correspondingly, in response to the fact that the bank account of the user-authorized person, which is the bank account of the applicant for issuance, and the identification information of the unissued paper medium are linked and registered in the paper medium DB of the bank system. , A paper medium issuing device including the arithmetic device for executing the process of ejecting the registered paper medium, and the paper medium issuing device may be further included.

According to this, the paper medium can be issued securely and easily and provided to the authorized user. As a result, more manageable and secure payments will be possible in a non-cashless payment environment.

Further, in the payment management system of the present embodiment, a code reader that executes a reading operation of a code printed on the paper medium presented by a person who wishes to purchase a product or service as a payment means, and the purchase request. Authentication information including a biometric information sensor that senses the biometric information of a person, identification information of the paper medium obtained from the code by the code reader, and biometric information obtained about the purchase applicant by the biometric information sensor. , The store receives notification of the process of transmitting to the bank system as an authentication request to execute the authentication process of the purchase applicant and the change amount obtained by subtracting the settlement amount from the transferred amount from the bank system. A terminal of a store equipped with a processing device for notifying the bank system of a registration request for the change paper medium including identification information of the change paper medium held in the above and not tied to a user authority, and an arithmetic device for executing the processing. It may be further included.

According to this, the settlement procedure using the paper medium in the store can be executed securely and efficiently in cooperation with the banking system. As a result, more manageable and secure payments will be possible in a non-cashless payment environment.

Further, in the payment management method of the present embodiment, the paper medium issuing device includes a scanning device that executes a reading operation on the cash card or passbook of the issuing applicant presented by the paper medium issuing applicant, and the reading is performed. Notify the bank system of a paper media registration request, including the bank account of the issue applicant who obtained the information in the operation and the identification information of the unissued paper medium corresponding to the issue amount specified by the issue applicant. In response to the registration request, the paper medium DB of the bank system is associated with the bank account of the authorized user, which is the bank account of the person who wants to issue the paper, and the identification information of the unissued paper medium. In response to the registration, the process of ejecting the registered paper medium may be executed.

Further, in the payment management method of the present embodiment, the code reader that the terminal of the store executes the operation of reading the code printed on the paper medium presented as the payment means by the purchase applicant of the product or service. And a biometric information sensor that senses the biometric information of the purchase applicant, the identification information of the paper medium obtained from the code by the code reader, and the biometric information sensor obtained with respect to the purchase applicant. The process of transmitting authentication information including biometric information to the bank system as an authentication request to execute the authentication process of the purchase applicant, and the change obtained by subtracting the settlement amount from the transferred amount from the bank system. Upon receiving the notification of the amount, it is assumed that the processing of notifying the bank system of the registration request of the change paper medium including the identification information of the change paper medium held at the store and not tied to the user authority is executed. May be good.

1 Network 5 Paper medium 10 Payment management system 100 Paper medium issuing device 101 Storage device 102 Program 103 Memory 104 Arithmetic device 105 Input device 106 Output device 107 Communication device 108 Paper medium issuing mechanism 109 Scan device 200 Banking system 201 Storage device 202 Program 203 Memory 204 Arithmetic logic unit 205 Communication device 225 Paper medium DB
226 Authentication DB
227 History DB
300 Store terminal 301 Storage device 302 Program 303 Memory 304 Arithmetic device 305 Input device 306 Output device 307 Communication device 308 Code reader 309 Biometric information sensor

Claims (12)

A storage device that holds a paper medium DB that defines the association between the paper medium and the bank account of the person who is authorized to use the paper medium, and an authentication DB that manages authentication information about the holder of the bank account.
When the authentication information about the user of the paper medium is acquired from the terminal of the store presented using the paper medium as the payment means and the authentication process based on the authentication information and the authentication DB is successful, the paper medium and the paper medium are used. A process of executing fund transfer according to the settlement amount from the linked bank account to the bank account of the store, and a process of canceling the linking of the user-authorized person's bank account to the paper medium in the paper medium DB. And the arithmetic unit that executes
A payment management system characterized by including a banking system equipped with. In the banking system
In the paper medium DB of the storage device, information on the amount of deposit in the bank account of the user authorized to be locked as the print amount of the paper medium is further held.
The computing device transfers the deposit amount of the printed amount of the paper medium from the bank account of the user-authorized person to the bank account of the store based on the paper medium DB at the time of the transfer of funds. ,
The payment management system according to claim 1, wherein the payment management system is characterized in that. In the banking system
The arithmetic unit transfers the change amount obtained by subtracting the settlement amount from the transferred amount from the bank account of the store to the bank account of the user authorized, and performs identification information from the terminal of the store. With respect to the obtained change paper medium, among the deposit amounts in the bank account of the user authorized, the change amount is held in the paper medium DB as information on the amount locked as the print amount of the change paper medium. Is to do more,
The payment management system according to claim 2, wherein the payment management system is characterized in that. In the banking system
The computing device notifies the user that only a part of the change amount is refunded to the user by the change paper medium and the remaining amount of the change amount is refunded to the user by cash or transfer from the terminal of the store. When receiving, the usage authority is related to the process of transferring a part of the change amount from the bank account of the store to the bank account of the user authorized, and the change paper medium obtained from the terminal of the store. A process of holding a part of the change amount in the paper medium DB as information of the amount locked as the print amount of the change paper medium among the deposit amount of the person's bank account, and the terminal of the store. Further, the process of notifying the output request that the remaining amount has been refunded by cash or transfer is executed.
The payment management system according to claim 3, wherein the payment management system is characterized in that. In the banking system
When the arithmetic unit receives a notification from the terminal of the store that the entire change amount is to be transferred to the user, the entire change amount is transferred from the bank account of the store to the bank of the authorized user. The process of transferring money to the account and the process of notifying the terminal of the store of an output request indicating that the change amount has been refunded by transfer are further executed.
The payment management system according to claim 3, wherein the payment management system is characterized in that. In the banking system
The authentication DB of the storage device manages the biometric information of the user-authorized person as the authentication information.
The arithmetic unit acquires the biometric information of the user as the authentication information from the terminal of the store, and collates the biometric information of the user with the biometric information of the authentication DB to execute the authentication process of the user. To do,
The payment management system according to claim 1, wherein the payment management system is characterized in that. In the banking system
The arithmetic unit
In a predetermined period, the history of fund transfer according to the payment amount made by using the paper medium as the payment means is stored in the storage device, and the information of the history is stored in the terminal of the user-authorized person or the relationship of the user-authorized person. It further executes the process of delivering to the terminal of the person.
The payment management system according to claim 1, wherein the payment management system is characterized in that. A scanning device that performs a reading operation on the cash card or passbook of the person who wants to issue a paper medium, and a scanning device presented by the person who wants to issue a paper medium.
The bank system makes a request for registration of a paper medium including the bank account of the issuer who obtained the information by the reading operation and the identification information of the unissued paper medium corresponding to the issue amount specified by the issuer. In response to the registration request, the paper medium DB of the banking system contains the bank account of the authorized user, which is the bank account of the applicant for issuance, and the identification information of the unissued paper medium. A computing device that executes the process of ejecting the registered paper medium in response to being linked and registered.
The payment management system according to claim 1, further comprising a paper medium issuing device. A code reader that executes the operation of reading the code printed on the paper medium presented by the person who wishes to purchase the product or service as a payment method, and
A biometric information sensor that senses the biometric information of the purchaser
Authentication information including the identification information of the paper medium obtained from the code by the code reader and the biometric information obtained about the purchase applicant by the biometric information sensor is transmitted to the bank system as an authentication request, and the above. Upon receiving a notification of the change amount obtained by subtracting the settlement amount from the transferred amount from the bank system and the process of executing the authentication process of the purchase applicant, the change held at the store and not linked to the authorized user An arithmetic device that executes a process of notifying the bank system of a registration request for the change paper medium including identification information of the paper medium.
The payment management system according to claim 1, further comprising a terminal of a store comprising the above. The banking system
It holds a paper medium DB that defines the association between the paper medium and the bank account of the person who is authorized to use the paper medium, and an authentication DB that manages authentication information about the holder of the bank account.
When the authentication information about the user of the paper medium is acquired from the terminal of the store presented using the paper medium as the payment means and the authentication process based on the authentication information and the authentication DB is successful, the paper medium and the paper medium are used. A process of executing fund transfer according to the settlement amount from the linked bank account to the bank account of the store, and a process of canceling the linking of the user-authorized person's bank account to the paper medium in the paper medium DB. When,
A payment management method characterized by executing. The paper media issuing device
Equipped with a scanning device that performs a reading operation on the cash card or passbook of the person who wants to issue the paper medium, which is presented by the person who wants to issue the paper medium.
The bank system makes a request for registration of a paper medium including the bank account of the issuer who obtained the information by the reading operation and the identification information of the unissued paper medium corresponding to the issue amount specified by the issuer. In response to the registration request, the paper medium DB of the banking system contains the bank account of the authorized user, which is the bank account of the applicant for issuance, and the identification information of the unissued paper medium. In response to being linked and registered, the process of discharging the registered paper medium and
The payment management method according to claim 10, wherein the payment management method is performed. The terminal of the store
A code reader that executes a reading operation of a code printed on a paper medium presented as a payment method by a person who wants to purchase a product or service, and a biometric information sensor that detects the biometric information of the person who wants to purchase the product or service. With,
Authentication information including the identification information of the paper medium obtained from the code by the code reader and the biometric information obtained about the purchase applicant by the biometric information sensor is transmitted to the bank system as an authentication request, and the above. Upon receiving a notification of the change amount obtained by subtracting the settlement amount from the transferred amount from the bank system and the process of executing the authentication process of the purchase applicant, the change held at the store and not linked to the authorized user The process of notifying the bank system of the registration request of the change paper medium including the identification information of the paper medium, and
The payment management method according to claim 10, wherein the payment management method is performed.

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