JP2021189768A - Settlement system, settlement method and program - Google Patents

Abstract

To provide a settlement system and settlement method enabling quick settlement processing in a real estate deal, and program used therefor.SOLUTION: A settlement system includes an information generation unit for generating settlement processing information based on at least first account information and second account information, and a telegram generation unit for generating a telegram of requesting settlement processing to a financial institution based on the settlement processing information. Alternatively, a settlement method includes generating settlement processing information based on at least first account information and second account information, and generating a telegram of requesting settlement processing to a financial institution based on the settlement processing information.SELECTED DRAWING: Figure 5

Description

The present invention relates to a payment system, a payment method, and a payment system or a program used in the payment method. In particular, it relates to payment systems, payment methods, and programs used in payment systems or payment methods that can be used in real estate transactions.

In recent years, various efficient payment systems have been proposed, such as the digitization of payment processing in the transaction of goods (movables) and the spread of cashless payments (see, for example, Patent Document 1). In addition, a payment system that mediates an account is also known so that stable product transactions can be performed (see, for example, Patent Document 2).

However, unlike real estate transactions, real estate transactions are not simply concluded between the seller and the buyer, but are an intermediary company (for example, a real estate company) that acts as an intermediary for buying and selling real estate, or a judicial scrivener who performs procedures for real estate registration. , There are various parties involved in real estate transactions. Therefore, in the settlement of the price in the real estate transaction, it is very difficult to collectively execute the settlement processing (debit processing or transfer processing by the bank) of the accounts of the persons concerned.

With reference to FIG. 19, the settlement of the price in the conventional real estate transaction will be described. FIG. 19 is a schematic diagram showing a conventional flow of real estate transactions. As shown in FIG. 19A, when buying and selling real estate through an intermediary company such as a real estate company, the seller consults with the intermediary company to sell the real estate (step S901). On the other hand, the buyer consults about the purchase of real estate (step S902). When the buyer decides to purchase the real estate owned by the seller (when the seller and the buyer reach an agreement on the terms of sale), a sales contract for the real estate is concluded between the seller and the buyer. Further, the buyer applies for a loan to the bank (step S903), and the bank examines whether or not the loan can be executed.

When a bank makes a loan to a buyer, the buyer, seller, intermediary company, and judicial scrivener gather at the bank executing the loan on the settlement date (weekdays, which is the business day of the bank) to check the documents. Will be done. When the documents are confirmed to be okay, the buyer submits the payment slip to the bank (step S911), as shown in FIG. 19B, and according to the account and amount stated on the payment slip, the buyer's The withdrawal process is performed from the account, and the transfer process is performed to the respective accounts of the seller, the intermediary company, and the judicial scrivener (steps S912-S914). Each of the seller, the intermediary company, and the judicial scrivener confirms the payment to the account, and the judicial scrivener carries out the procedure for real estate registration. Further, in order to pay the brokerage fee to the brokerage company, the seller submits a payment slip to the bank (step S921) as shown in FIG. 19C, and the seller's account according to the account and amount described in the payment slip. Withdrawal processing is performed, and transfer processing to the account of the intermediary company is performed (step S922).

Japanese Unexamined Patent Publication No. 2020-47144 Japanese Unexamined Patent Publication No. 2019-109565

As mentioned above, in the settlement of payments in conventional real estate transactions, buyers, sellers, intermediaries, and judicial scriveners must gather on weekdays, which are the business days of banks, and the necessary documents or seals are available. Without it, I had to adjust the schedule again. Therefore, although the loan to the buyer was executed, the price in the real estate transaction was not settled, the buyer had to pay the interest on the loan, and the loan could be used for purposes other than the purchase of real estate. There was a problem such as having. In any case, in the conventional real estate transaction, it takes time from the execution of the loan to the buyer to the settlement of the price in the real estate transaction, and even on the settlement date, each of the seller, the intermediary company, and the judicial scrivener There was a problem that it took time to settle the price of the real estate transaction, such as it took time to confirm the amount transferred to the account.

In view of the above problems, one of the objects of the present invention is to provide a payment system capable of quick payment in real estate transactions. In addition, one of the purposes is to provide a settlement method that enables quick settlement in real estate transactions. Further, one of the purposes is to provide a program used in a payment system or a payment method.

The payment system according to the embodiment of the present invention has an information generation unit that generates payment processing information based on at least the first account information and the second account information, and payment processing to a financial institution based on the payment processing information. Includes a message generator that generates the requested message.

The settlement method according to the embodiment of the present invention generates at least the first account information and the settlement processing information based on the second account information, and sends a telegram requesting the financial institution to perform the settlement processing based on the settlement processing information. Generate.

The program according to the embodiment of the present invention is a program executed by the computer of the server, and causes the computer to generate at least the first account information and the payment processing information based on the second account information, and the payment processing information. To generate a message requesting payment processing to a financial institution based on.

It may include an account acquisition unit that acquires the first account name information corresponding to the first account information.

A form processing unit that generates a payment processing form based on payment processing information may be included.

The first account information may be obtained from the first input form and the second account information may be obtained from the second input form.

The telegram may be generated by the execution command of the payment processing form generated from the payment processing information.

The first account information may be information about the seller's account in the real estate transaction, and the second account information may be information about the buyer's account in the real estate transaction.

The telegram includes the first telegram requesting the withdrawal processing of the seller's account and the second telegram requesting the transfer processing of the buyer's account, and the first telegram and the second telegram are sent to the financial institution in this order. It may be sent.

It is a schematic diagram which shows the flow of the real estate transaction using the payment system which concerns on one Embodiment of this invention. It is a schematic diagram which shows the flow of the real estate transaction using the payment system which concerns on one Embodiment of this invention. It is a block diagram which shows the structure of the network system which uses the payment system which concerns on one Embodiment of this invention. It is a block diagram which shows the structure of the payment system which concerns on one Embodiment of this invention. It is a flowchart which shows the processing of the payment system which concerns on one Embodiment of this invention. It is a figure which shows the input form for a buyer provided from the payment system which concerns on one Embodiment of this invention, and is displayed on the screen of an information communication terminal. It is a figure which shows the input form for a seller provided from the payment system which concerns on one Embodiment of this invention, and is displayed on the screen of an information communication terminal. It is a figure which shows the input form for an intermediary company provided from the payment system which concerns on one Embodiment of this invention, and is displayed on the screen of an information communication terminal. It is a figure which shows the input form for a judicial scrivener provided from the payment system which concerns on one Embodiment of this invention, and is displayed on the screen of an information communication terminal. It is a figure which shows the payment processing form provided from the payment system which concerns on one Embodiment of this invention, and is displayed on the screen of an information communication terminal. It is a figure which shows the input form for a seller provided from the payment system which concerns on one Embodiment of this invention, and is displayed on the screen of an information communication terminal. It is a figure which shows the input form for a financial institution provided from the payment system which concerns on one Embodiment of this invention, and is displayed on the screen of an information communication terminal. It is a figure which shows the input form for other which is provided from the payment system which concerns on one Embodiment of this invention, and is displayed on the screen of an information communication terminal. It is a figure which shows the input form for a financial institution provided from the payment system which concerns on one Embodiment of this invention, and is displayed on the screen of an information communication terminal. It is a figure which shows the payment processing form provided from the payment system which concerns on one Embodiment of this invention, and is displayed on the screen of an information communication terminal. It is a schematic diagram which shows the flow of another real estate transaction using the payment system which concerns on one Embodiment of this invention. It is a block diagram which shows another network system which uses the payment system which concerns on one Embodiment of this invention. It is a block diagram which shows still another network system which uses the payment system which concerns on one Embodiment of this invention. It is a schematic diagram which shows the flow of the conventional real estate transaction.

Hereinafter, an embodiment of the present invention will be described in detail with reference to the drawings. The embodiments shown below are examples of embodiments of the present invention, and the present invention is not construed as being limited to this embodiment. That is, it is possible to apply a known technique to a plurality of embodiments described below to modify the plurality of embodiments and carry out the embodiments in various embodiments.

In the present specification, characters such as "first", "second", "third", or "fourth" added to each configuration are convenient markers used to distinguish each configuration. Yes, it has no further meaning unless otherwise explained.

As used herein, the term "financial institution" means an entity capable of conducting business related to financial transactions. The “financial institution” is, for example, a bank, a post office, an insurance company, a securities company, and the like, but is not limited thereto.

As used herein, the term "account" means an account that can specify the balance of assets used in transaction processing. The "account" is, for example, a deposit account, a savings account, a trust account, a securities account, and the like, but is not limited thereto.

In the present specification, the "payment agency" means a company that can perform payment processing at a plurality of financial institutions and acts as a payment processing for a third party.

As used herein, the term "server" means a computer or program capable of providing a specific service through a network. The server is, for example, a computer such as a workstation or personal computer, including a central processing unit (CPU) as computing means and a random access memory (RAM) as storage means. The server may also include a communication interface, a user interface, storage, and the like. In the server, each of the CPU, memory, storage, and communication interface may be electrically connected by a communication bus or may be connected by cloud computing. The server may be one computer or a plurality of computers.

In the present specification, the "information communication terminal" means an information device capable of accessing information through a network. The "information communication terminal" is, for example, a mobile phone, a smartphone, a tablet, a personal computer, or the like, but is not limited thereto.

As used herein, the term "network" refers to a system in which a plurality of computers are connected by wire or wirelessly so that they can communicate with each other, for example, the Internet or an intranet.

<First Embodiment>
[1. Real estate transaction flow]
A flow of real estate transactions in the case of using the payment system 10 according to the embodiment of the present invention will be described with reference to FIGS. 1 and 2.

FIG. 1 is a schematic diagram showing a flow of real estate transactions using the payment system 10 according to the embodiment of the present invention. Specifically, FIG. 1 shows the flow of real estate transactions until the buyer 730 applies for a loan to the financial institution 740.

In the real estate transaction shown in FIG. 1, the seller 710 and the buyer 730 conclude a real estate sales contract through an intermediary company 720 such as a real estate company. That is, the seller 710 consults with the intermediary company 720 about the sale of the real estate owned by the seller 710, and the buyer 730 consults with the intermediary company 720 about the purchase of the real estate owned by the seller 710, between the seller 710 and the buyer 730. The terms and conditions of sale have been agreed. In a real estate transaction using the payment system 10 according to the present embodiment, before and after the conclusion of the real estate sales contract, the seller 710 provides account information (seller account information) for receiving the price for the sale of the real estate to the intermediary company 720. (Step S101). Further, the buyer 730 provides the intermediary company 720 with account information (buyer account information) for paying the price for the purchase of the real estate (step S102).

In real estate transactions, it is necessary to carry out the procedure for real estate registration, but the procedure for real estate registration is often carried out by the judicial scrivener 750, and in that case, the cost to the judicial scrivener 750 is incurred. Therefore, the judicial scrivener also provides the intermediary company 720 with account information (judicial scrivener account information) for receiving the procedure fee for real estate registration to the intermediary company 720 (step S103).

In steps S101 to S103, an example is shown in which the seller 710, the buyer 730, and the judicial scrivener 750 provide their respective account information to the intermediary company 720, but the provision of the account information to the intermediary company 720 is the seller 710. , Buyer 730, and Judicial Scrivener 750. For example, in the case of a real estate transaction, if the remodeling company incurs costs such as repairing the real estate, the remodeling company may provide the intermediary company 720 with account information for receiving the repair costs of the real estate. Further, the provision of the seller account information, the buyer account information, and the judicial scrivener account information to the intermediary company 720 is not limited to before and after the conclusion of the real estate sales contract. For example, the seller 710 and the buyer 730 may provide the seller account information and the buyer account information to the intermediary company 720 at the time of consultation on the sale and purchase of the real estate, respectively. If the judicial scrivener 750 is affiliated with the intermediary company 720, the judicial scrivener 750 may provide the judicial scrivener account information to the intermediary company 720 in advance.

The provision of the seller account information, the buyer account information, and the judicial scrivener account information to the intermediary company 720 may be in writing or may be electronic data. For example, each of the seller 710, the buyer 730, and the judicial scrivener 750 may provide the intermediary company 720 with the seller account information, the buyer account information, and the judicial scrivener account information by using the information communication terminal.

On the other hand, the intermediary company 720, which has received the seller account information, the buyer account information, and the judicial scrivener account information from each of the seller 710, the buyer 730, and the judicial scrivener 750, uses the settlement system 10 to use the settlement system 10 of the intermediary company 720. When there is no particular distinction between account information (hereinafter, seller account information, buyer account information, judicial scrivener account information, intermediary company account information, etc.) in the settlement system together with account information for receiving intermediary costs (intermediary company account information) Is simply described as account information) (step S104). Specifically, the intermediary company 720 inputs real estate transaction information (including account information and further includes information of the target person related to the real estate transaction) in the input form of the payment system 10, and the real estate in the payment system 10. Register transaction information. The configuration of the payment system and the input form will be described later.

Further, the buyer 730 who has concluded a real estate sales contract applies for a loan to the financial institution 740 (step S105). Whether or not the loan can be executed will be examined by the financial institution 740. The application for a loan to the financial institution 740 by the buyer 730 may be made before the conclusion of the real estate sales contract.

As described above, since the account information is aggregated in the intermediary company 720, the intermediary company 720 can collectively input the real estate transaction information using the input form of the payment system 10. That is, since the real estate transaction information in one real estate transaction is collectively registered in the payment system 10 as payment processing information, the payment agent company 760 uses the payment system 10 to collectively process the payment to the financial institution. It is possible to request (withdrawal processing or transfer processing).

FIG. 2 is also a schematic diagram showing a flow of real estate transactions using the payment system according to the embodiment of the present invention. Specifically, FIG. 2 is a flow of real estate transactions after a loan is executed from a financial institution 740 to a buyer 730, and is mainly a flow of settlement of payment for real estate transactions.

In the settlement of the real estate transaction price shown in FIG. 2, a loan is executed from the financial institution 740 to the buyer 730 (step S201). Specifically, the loan amount is transferred from the financial institution 740 to the buyer account 731 of the buyer 730. The buyer 730 confirms that the loan amount has been deposited in the buyer account 731, and requests the intermediary company 720 to perform the settlement process (step S202). The intermediary company 720 executes a payment processing request from the payment processing form of the payment system 10 (step S203). When the payment processing request is executed by the payment system 10, the payment system 10 generates a telegram based on the payment processing information and sends the telegram to the financial institution 740. The financial institution 740 that received the message executes the withdrawal process or the transfer process.

The payment processing request in the payment system 10 is executed so that a predetermined amount is first deducted from the buyer account 731 and transferred to the payment agent company account 761 of the payment agent company 760 (step S204). Subsequently, when it is confirmed that the payment has been made to the settlement agency account 761, the settlement agency account 761 to the intermediary company account 721 of the intermediary company 720, the seller account 711 of the seller 710, and the judicial scrivener account 751 of the judicial scrivener 750. The transfer process to is executed (step S205). The payment system 10 may provide information indicating that the transfer process has been executed to the intermediary company 720, the seller 710, or the judicial scrivener 750. By doing so, for example, the judicial scrivener 750 can confirm that the money has been deposited in the judicial scrivener account 751, and can immediately proceed with the real estate registration procedure.

The buyer account 731, the brokerage company account 721, the seller account 711, and the judicial scrivener account 751 are accounts corresponding to the buyer account information, the brokerage company account information, the seller account information, and the judicial scrivener account information, respectively, in the payment system 10. Is registered as payment processing information. Therefore, by executing the payment request processing from the payment processing form, the withdrawal processing from the buyer account 731 and the transfer processing to the intermediary company account 721, the seller account 711, and the judicial scrivener account 751 can be easily and quickly performed. Can be done. Therefore, in the real estate transaction using the payment system 10, the time required for the settlement of the real estate transaction can be significantly shortened.

[2. Configuration of network system including payment system 10]
A configuration of a network system including a payment system 10 according to an embodiment of the present invention will be described with reference to FIG.

FIG. 3 is a block diagram showing a configuration of a network system including a payment system 10 according to an embodiment of the present invention.

As shown in FIG. 3, the network system includes the server 100 of the settlement agency 760, the information and communication terminal 200 of the intermediary company 720, the server 300-1 of the first financial institution 740-1 and the second financial institution 740-. Includes 2 servers 300-2, ..., And server 300-n of the nth financial institution 740-n. The server 100 includes a payment system 10. here,
When each of the first financial institution 740-1, the second financial institution 740-2, ..., And the nth financial institution 740-n is not particularly distinguished, it will be described as the financial institution 740. Similarly, when the server 300-1, the server 300-2, ..., And the server 300-n are not particularly distinguished, the server 300 will be described.

The information communication terminal 200 of the intermediary company 720 can communicate with the server 100 of the settlement agency 760 via the network NW. Therefore, the information communication terminal 200 can transmit real estate transaction information including buyer account information, intermediary company account information, seller account information, and judicial scrivener account information to the server 100. Specifically, the information communication terminal 200 accesses the server 100 via the network NW and receives the input form of the payment system 10. By inputting the real estate transaction information in the input form displayed on the screen of the information communication terminal 200, the real estate transaction information is transmitted to the server 100. Further, the information communication terminal 200 accesses the server 100 via the network NW and receives the payment processing form of the payment system 10. By executing the payment processing request from the payment processing form displayed on the screen of the information communication terminal 200, the payment processing request is transmitted to the server 100.

The server 100 of the settlement agency 760 can communicate with the server 300 of the financial institution 740 via the network NW. Therefore, the server 100 can send the payment processing request to one or more servers 300 based on the received payment processing request.

Further, the information communication terminal 200 transmits the account information to the financial institution 740 via the server 100 by executing the account name confirmation of the input form of the payment system 10, and confirms the account name based on the account information. Can be done. Therefore, the intermediary company 720 can confirm in advance whether the account information of the buyer 730, the intermediary company 720, the seller 710, and the judicial scrivener 750 is correct before executing the payment processing request by the payment system. Further, since the financial institution 740 can also execute the settlement process based on the information confirmed that the account information is correct, the settlement process can be performed quickly in the real estate transaction.

[3. Configuration of payment system 10]
The configuration of the payment system 10 according to the embodiment of the present invention will be described with reference to FIG.

FIG. 4 is a block diagram showing a configuration of a payment system 10 according to an embodiment of the present invention. Since the payment system 10 is executed using the server 100, the configuration of the server 100 corresponding to the configuration of the payment system 10 will be described here.

As shown in FIG. 4, the server 100 includes a communication unit 110, a storage unit 120, an account name acquisition unit 130, a payment processing information generation unit 140, an input form processing unit 150, a payment processing form processing unit 160, and a telegram generation unit 170. And a storage unit 120.

The communication unit 110 is, for example, a communication interface. The communication unit 110 can communicate with the information communication terminal 200 via the network NW, receive an input form request or a payment processing form request, and transmit input form data or payment processing form data. Further, the communication unit 110 can receive transaction information, account information, account name information, or account confirmation information from the information communication terminal 200.

Further, the communication unit 110 can communicate with the server 300 via the network NW, transmit account information, and receive account name information. Further, the communication unit 110 can transmit the telegram to the server 300.

The storage unit 120 is, for example, a memory or storage such as a solid state drive (SSD) or a hard disk drive (HDD). The storage unit 120 can store an input form, a payment processing form, transaction information, account information, account name information, account confirmation information, or payment processing information.

Each of the account name acquisition unit 130, the payment processing information generation unit 140, the input form processing unit 150, the payment processing form processing unit 160, and the telegram generation unit 170 functions by reading a program from the CPU and RAM, and executes processing. can do.

The account name acquisition unit 130 can access the server 300 and acquire the account name information corresponding to the account information. Further, the account name acquisition unit 130 can also determine that the account name information input in the input form and the account name information acquired from the server 300 match.

The payment processing information generation unit 140 can generate payment processing information required when generating a payment processing form and a telegram. Specifically, the payment processing information generation unit 140 generates payment processing information based on the transaction information, the account information, the account name information, and the account confirmation information input to the input form and received by the communication unit 110. Can be done. The payment processing information may be a database.

The input form processing unit 150 can execute processing related to the input form to be displayed on the information communication terminal 200. The input form processing unit 150 may acquire the input form data corresponding to the input form request from the information communication terminal 200 from the storage unit 120 and transmit the input form data to the information communication terminal 200 via the communication unit 110. can. Further, the input form processing unit 150 can transmit the account name information acquired by the account name acquisition unit 130 to the information communication terminal 200 via the communication unit 110.

The payment processing form processing unit 160 can execute processing related to the payment processing form to be displayed on the information communication terminal 200. The payment processing form processing unit 160 acquires the payment processing form data corresponding to the payment processing form request from the information communication terminal 200 from the storage unit 120, updates the payment processing form data based on the payment processing information, and communicates unit 110. The updated payment processing form data can be transmitted to the information communication terminal via.

The telegram generation unit 170 can generate a telegram for the financial institution 740 to execute the payment process. Specifically, the telegram generation unit 170 can acquire the telegram form data from the storage unit 120 and generate the telegram based on the telegram form data and the payment processing information.

[4. Payment system 10 processing]
The processing of the payment system 10 according to the embodiment of the present invention will be described with reference to FIG.

FIG. 5 is a flowchart showing the processing of the payment system 10 according to the embodiment of the present invention. Here, it is assumed that the buyer account information, the seller account information, and the judicial scrivener account information are provided to the intermediary company 720. Further, here, for convenience, the processing of the payment system 10 is described as continuous processing, but the processing of the payment system 10 may be only a part of the processing, and the order of the steps may be changed.

In the process according to step S301, the communication unit 110 of the server 100 receives the input form request from the information communication terminal 200. That is, the intermediary company 720 accesses the server 100 from the information communication terminal 200 (for example, access to a website), and sends an input form request of the input form to be displayed. For example, if the intermediary company 720 inputs transaction information about the buyer 730, it sends a buyer input form request. Similarly, if the intermediary company 720 inputs transaction information regarding the seller 710, transaction information regarding the judicial scrivener 750, and transaction information regarding the intermediary company 720, the seller input form request and the judicial scrivener input form request, respectively. And submit the input form for the intermediary company.

In the process according to step S302, the input form processing unit 150 of the server 100 acquires the input form data corresponding to the input form request from the storage unit 120, and the acquired input form data is transferred to the information communication terminal 200 via the communication unit 110. Send to. For example, in the case of a buyer input form request, the input form processing unit 150 acquires the buyer input form data. Similarly, if the input form processing unit 150 is a seller input form request, a judicial scrivener input form request, and an intermediary company input form request, the seller input form data, the judicial scrivener input form data, and the intermediary company input form data, respectively. To get. Further, the information communication terminal 200 displays the input form on the screen based on the received input form data.

In the process according to steps S303 to S306, the account name information can be acquired from the account information. In the process according to step S303, the communication unit 110 of the server 100 receives the account information from the information communication terminal 200. That is, the account information is input to the input form by the intermediary company 720, and the information communication terminal 200 transmits the input account information. In the process according to step S304, the account name acquisition unit 130 of the server 100 accesses the server 300 of the financial institution 740 via the communication unit 110. In the process according to step S305, the account name acquisition unit 130 acquires the account name information corresponding to the account information from the server 300. In the process according to step S306, the account name acquisition unit 130 transmits the acquired account name information to the information communication terminal 200 via the communication unit 110. The account name information is displayed on the input form of the information communication terminal 200, and the intermediary company 720 can confirm the account name information.

In the process according to step S307 and step S308, the account name information can be acquired from the account information. In the process according to step S307, the communication unit 110 of the server 100 receives transaction information, account information, and account confirmation information from the information communication terminal 200. The communication unit 110 receives the transaction information, the account information, and the account confirmation information input in each of the input form for the buyer, the input form for the seller, the input form for the judicial scrivener, and the input form for the intermediary company. In the process according to step S308, the settlement processing information is generated based on the transaction information, the account information, and the account confirmation information received by the settlement processing information processing unit 160 of the server 100. That is, the transaction information, account information, and account confirmation information entered in each of the buyer input form, seller input form, judicial scrivener input form, and intermediary company input form are aggregated in the settlement processing information. .. Therefore, by using the payment processing information, it is possible to perform batch payment processing. The payment processing information is stored in the storage unit 120.

In the processing according to steps S309 to S311, the payment processing form can be displayed on the screen of the information communication terminal 200. In the process according to step S309, the communication unit 110 of the server 100 receives the payment processing form request from the information communication terminal 200. In the processing by step S310, the payment processing information generation unit 140 of the server 100 acquires the payment processing original data and the payment processing information from the storage unit 120, and the information necessary for the payment processing is included based on the payment processing information. Generate payment processing form data. In the processing according to step S311, the payment processing form processing unit 160 transmits the payment processing form data to the information communication terminal 200 via the communication unit 110. Further, the information communication terminal 200 displays the payment processing form on the screen based on the received payment processing form data.

In the processing according to steps S312 to S317, the payment processing request can be executed from the payment processing form displayed on the information communication terminal 200. In step S312, the communication unit 110 of the server 100 receives the payment processing request. In the process according to step S313, the telegram generation unit 170 of the server 100 generates a telegram for the financial institution 740 to execute the payment process. Specifically, the telegram generation unit 170 generates a telegram in which a predetermined amount is deducted from the buyer account 731 and transferred to the settlement agency account 761 based on the buyer transaction information and the buyer account information of the settlement processing information. Further, the message generation unit 170 sets a predetermined amount of money based on the seller transaction information and the seller account information of the settlement processing information, the judicial scrivener transaction information and the judicial scrivener account information, and the intermediary company transaction information and the intermediary company account information. Generates a telegram that is deducted from the settlement agency account 761 and transferred to each of the seller account 711, the judicial scrivener account 751, and the intermediary company account 721. In the process according to step S314, the telegram generation unit 170 of the server 100 transmits a telegram of the transfer process from the buyer account 731 to the settlement agency account 761 via the communication unit 110. In the process according to step S315, the server 300 of the financial institution 740 executes the withdrawal process of the buyer account 731 and the transfer process to the settlement agency account 761. In the process according to step S316, the telegram generation unit 170 of the server 100 transfers the transfer from the settlement agency account 761 to the seller account 711, the judicial scrivener account 751, and the intermediary company account 721 via the communication unit 110. To send. In the process according to step S317, the server 300 of the financial institution 740 executes the withdrawal process of the settlement agency account 761 and the transfer process to each of the seller account 711, the judicial scrivener account 751, and the intermediary company account 721.

The processes of step S314 and step S316 are performed in this order.

Here, the financial institution that executes the loan and the financial institution of the buyer account 731, the intermediary company account 761, the seller account 711, and the judicial scrivener account 751 are described as the financial institution 740 for convenience. It may be the same or different. For example, the financial institution 740 that executes the loan to the buyer 730 and the financial institution 740 of the buyer account 731 may be different.

[5. input form]
An input form provided by the payment system 10 according to the embodiment of the present invention and displayed on the screen of the information communication terminal 200 will be described with reference to FIGS. 6 to 9. The payment system 10 can provide various input forms to the information communication terminal 200 based on the input form request from the information communication terminal 200.

[5-1. Buyer Input Form 500]
FIG. 6 is a diagram showing a buyer input form 500 provided by the payment system 10 according to the embodiment of the present invention and displayed on the screen of the information communication terminal 200. When the server 100 receives the buyer input form request, the input form processing unit 150 acquires the buyer input form data from the storage unit 120, and the buyer input form data is transmitted to the information communication terminal 200 via the communication unit 110. Send to. The information communication terminal 200 displays the buyer input form 500 on the screen based on the received buyer input form data. In the buyer input form 500, the real estate transaction information of the buyer 730 can be input.

The buyer input form 500 shown in FIG. 6 can input buyer transaction information 501 and buyer account information 502 as real estate transaction information of buyer 730. As the buyer transaction information 501, for example, "buyer name", "total transaction amount", "brokerage fee", "registration fee", "other expenses", "total payment amount", etc. can be input. The transaction information 501 is not limited to these. In addition, when "total trading amount", "brokerage fee", "registration fee", and "other expenses" regarding the amount of money are entered, it may be automatically calculated and the "total payment amount" may be displayed. .. As the buyer account information 502, for example, a "bank name", a "branch name", a "deposit type", an "account number", etc. can be input, but the buyer account information 502 is not limited to these. .. The "bank name" or "branch name" may be displayed in the buyer account information 502 by inputting a financial institution code, a branch code, or the like.

When the input of the buyer account information 502 is completed, the information communication terminal 200 communicates with the server 100 and transmits the buyer account information 502 to the server 100. When the server 100 receives the buyer account information 502 from the buyer input form 500, the account name acquisition unit 130 accesses the server 300 of the financial institution 740 via the communication unit 110, and the buyer account corresponding to the buyer account information 502. Acquire the name information 503. Further, the input form processing unit 150 transmits the buyer account name information 503 to the information communication terminal 200 via the communication unit 110. The information communication terminal 200 displays the received buyer account name information 503 on the screen of the buyer input form 500. The buyer 730 or the intermediary company 720 confirms the buyer account name information 503 displayed on the screen, and if there is no problem, clicks the "match confirmation" button on the buyer account confirmation display 504 (touch the touch panel). It is also good.) The information communication terminal 200 causes the buyer account confirmation display 504 to display "OK" indicating that the confirmation of the buyer account name information 503 is completed.

After the confirmation of the buyer account name information 503 is completed, the information communication terminal 200 transmits the buyer transaction information 501, the buyer account information 502, and the buyer account name information 503 to the server 100. Further, the information communication terminal 200 transmits the buyer account confirmation information 504a to the server 100 as information regarding the buyer account confirmation display 504 (information regarding whether or not the buyer account name information 503 has been confirmed). When the server 100 receives the buyer transaction information 501, the buyer account information 502, the buyer account name information 503, and the buyer account confirmation information 504a from the buyer input form 500, the settlement processing information generation unit 140 is based on these information. The settlement processing information (more specifically, the part of the information regarding the buyer 730 in the settlement processing information) is generated.

By clicking the button after inputting the buyer account information 502, the information communication terminal 200 may transmit the buyer account information 502 to the server 100. Further, by displaying "OK" on the buyer account confirmation display 504 and then clicking the button, the information communication terminal 200 transfers the buyer transaction information 501, the buyer account information 502, and the buyer account name information 503 to the server 100. You may send it.

Further, in the confirmation of the buyer account name information 503, the account name acquisition unit 130 not only acquires the buyer account name information 503, but also causes the buyer input form 500 to input the buyer account name information, and the account name acquisition unit 130 inputs the information. It may be determined whether or not the acquired buyer account name information and the acquired buyer account name information 503 match.

The buyer 730 or the intermediary company 720 can input only the information necessary for the settlement processing of the real estate transaction by using the buyer input form 500 provided by the settlement system 10. Therefore, the payment system 10 enables quick payment processing.

[5-2. Seller Input Form 510]
FIG. 7 is a diagram showing a seller input form 510 provided by the payment system 10 according to the embodiment of the present invention and displayed on the screen of the information communication terminal 200. When the server 100 receives the seller input form request, the input form processing unit 150 acquires the seller input form data from the storage unit 120, and the seller input form data is transmitted to the information communication terminal 200 via the communication unit 110. Send to. The information communication terminal 200 displays the seller input form 510 on the screen based on the received seller input form data. In the input form 510, the real estate transaction information of the seller 710 can be input.

In the seller input form 510 shown in FIG. 7, the seller transaction information 511 and the seller account information 512 can be input as the real estate transaction information of the seller 710. As the seller transaction information 511, for example, "seller name", "total trading amount", "brokerage fee", "other expenses", "total amount received", etc. can be input, but the seller transaction information 511 is Not limited to these. Further, when the "total trading amount", "brokerage fee", and "other expenses" regarding the amount of money are input, the "total amount received" may be automatically calculated and displayed. As the seller account information 512, for example, a "bank name", a "branch name", a "deposit type", or an "account number" can be input, but the seller account information 512 is not limited to these. .. The "bank name" or "branch name" may be displayed in the seller account information 512 by inputting a financial institution code, a branch code, or the like.

When the input of the seller account information 512 is completed, the information communication terminal 200 communicates with the server 100 and transmits the seller account information 512 to the server 100. When the server 100 receives the seller account information 512 from the seller input form 510, the account name acquisition unit 130 accesses the server 300 of the financial institution 740 via the communication unit 110, and the seller account corresponding to the seller account information 512. Acquire the name information 513. Further, the input form processing unit 150 transmits the seller account name information 513 to the information communication terminal 200 via the communication unit 110. The information communication terminal 200 displays the received seller account name information 513 on the screen of the seller input form 510. The seller 710 or the intermediary company 720 confirms the seller account name information 513 displayed on the screen, and if there is no problem, clicks the "match confirmation" button on the seller account confirmation display 514 (touch the touch panel). It is also good.) The information communication terminal 200 causes the seller account confirmation display 514 to display "OK" indicating that the confirmation of the seller account name information 513 is completed.

After the confirmation of the seller account name information 513 is completed, the information communication terminal 200 transmits the seller transaction information 511, the seller account information 512, and the seller account name information 513 to the server 100. Further, the information communication terminal 200 transmits the seller account confirmation information 514a to the server 100 as information regarding the seller account confirmation display 514 (information regarding whether or not the seller account name information 513 has been confirmed). When the server 100 receives the seller transaction information 511, the seller account information 512, the seller account name information 513, and the seller account confirmation information 514a from the seller input form 510, the payment processing information generation unit 140 makes a payment based on these information. The processing information (more specifically, the part of the information about the seller 710 in the payment processing information) is generated.

By clicking the button after inputting the seller account information 512, the information communication terminal 200 may transmit the seller account information 512 to the server 100. Further, by displaying "OK" on the seller account confirmation display 514 and then clicking the button, the information communication terminal 200 can display the seller transaction information 511, the seller account information 512, the seller account name information 513, and the seller account confirmation. Information 514a may be transmitted to the server 100.

Further, in the confirmation of the seller account name information 513, not only the account name acquisition unit 130 acquires the seller account name information 513, but also the seller account name information is input to the seller input form 510, and the account name acquisition unit 130 inputs the information. It may be determined whether or not the acquired seller account name information and the acquired seller account name information 513 match.

The seller 710 or the intermediary company 720 can input only the information necessary for the settlement processing of the real estate transaction by using the seller input form 510 provided by the payment system 10. Therefore, the payment system 10 enables quick payment processing.

[5-3. Input form for intermediary company 520]
FIG. 8 is a diagram showing an input form 520 for an intermediary company provided from the payment system 10 according to the embodiment of the present invention and displayed on the screen of the information communication terminal 200. When the server 100 receives the input form request for the intermediary company, the input form processing unit 150 acquires the input form data for the intermediary company from the storage unit 120 and informs the input form data for the intermediary company via the communication unit 110. It is transmitted to the communication terminal 200. The information communication terminal 200 displays the input form 520 for the intermediary company on the screen based on the received input form data for the intermediary company. In the input form 520 for the intermediary company, the real estate transaction information of the intermediary company 720 can be input.

In the intermediary company input form 520 shown in FIG. 8, the intermediary company transaction information 521 and the intermediary company account information 522 can be input as the real estate transaction information of the intermediary company 720. As the intermediary company transaction information 521, for example, enter "seller name", "buyer name", "in charge intermediary company", "total transaction amount", "intermediary fee", "other expenses", or "total". However, the brokerage company transaction information 521 is not limited to these, and when the "brokerage fee" and "other expenses" regarding the amount of the brokerage company 720 are entered, the "total" is automatically calculated and displayed. It may be done. .. As the intermediary company account information 522, for example, a "bank name", a "branch name", a "deposit type", or an "account number" can be input, but the seller account information 512 is limited to these. No. The "bank name" or "branch name" may be displayed in the seller account information 512 by inputting a financial institution code, a branch code, or the like.

When the input of the intermediary company account information 522 is completed, the information communication terminal 200 communicates with the server 100 and transmits the intermediary company account information 522 to the server 100. When the server 100 receives the intermediary company account information 522 from the intermediary company input form 520, the account name acquisition unit 130 accesses the server 300 of the financial institution 740 via the communication unit 110, and is based on the intermediary company account information 522. Acquires the brokerage company account name information 523. Further, the input form processing unit 150 transmits the intermediary company account name information 523 to the information communication terminal 200 via the communication unit 110. The information communication terminal 200 displays the received intermediary company account name information 523 on the screen of the intermediary company input form 520. The intermediary company 720 confirms the intermediary company account name information 523 displayed on the screen, and if there is no problem, clicks the "match confirmation" button of the intermediary company account confirmation display 524 (if it is a touch panel, even if it is a touch). Good). The information communication terminal 200 causes the intermediary company account confirmation display 524 to display "OK" indicating that the confirmation of the intermediary company account name information 523 has been completed.

After the confirmation of the intermediary company account name information 523 is completed, the information and communication terminal 200 transmits the intermediary company transaction information 521, the intermediary company account information 522, and the intermediary company account name information 523 to the server 100. Further, the information communication terminal 200 transmits the intermediary company account confirmation information 524a to the server 100 as information regarding the intermediary company account confirmation display 524 (information regarding whether or not the intermediary company account name information 523 has been confirmed). When the server 100 receives the intermediary company transaction information 521, the intermediary company account information 522, the intermediary company account name information 523, and the intermediary company account confirmation information 524a, the settlement processing information generation unit 140 processes the payment based on these information. Information (more specifically, the part of the information about the intermediary company 720 in the payment processing information) is generated.

By clicking the button after inputting the intermediary company account information 522, the information communication terminal 200 may transmit the intermediary company account information 522 to the server 100. Further, by displaying "OK" on the intermediary company account confirmation display 524 and then clicking the button, the information and communication terminal 200 can use the intermediary company transaction information 521, the intermediary company account information 522, and the intermediary company account name information 523. And the intermediary company account confirmation information 524a may be transmitted to the server 100.

Further, in the confirmation of the intermediary company account name information 523, the account name acquisition unit 130 not only acquires the intermediary company account name information 523, but also causes the intermediary company input form 520 to input the intermediary company account name information. It may be determined whether or not the intermediary company account name information and the acquired intermediary company account name information 523 match.

The intermediary company 720 can input only the information necessary for the settlement processing of the real estate transaction by using the input form 520 for the intermediary company provided by the payment system 10. Therefore, the payment system 10 enables quick payment processing.

[5-4. Input form for judicial scrivener 530]
FIG. 9 is a diagram showing an input form 530 for a judicial scrivener provided from the payment system 10 according to the embodiment of the present invention and displayed on the screen of the information communication terminal 200. When the server 100 receives the input form request for the judicial scrivener, the input form processing unit 150 acquires the input form data for the judicial scrivener from the storage unit 120 and informs the input form data for the judicial scrivener via the communication unit 110. It is transmitted to the communication terminal 200. The information communication terminal 200 displays the judicial scrivener input form 530 on the screen based on the received judicial scrivener input form data. In the input form 530 for the judicial scrivener, the real estate transaction information of the judicial scrivener 750 can be input.

In the input form 530 shown in FIG. 9, the judicial scrivener transaction information 531 and the judicial scrivener account information 532 can be input as the real estate transaction information of the judicial scrivener 750. As the judicial scrivener transaction information 531, for example, "seller / buyer name", "total trading amount", "office in charge", "registration fee", "other expenses", or "total amount received" can be input. However, the judicial scrivener transaction information 531 is not limited to these. Further, when the "registration fee" and the "other fee" related to the amount of money are input, the "total amount received" may be automatically calculated and displayed. As the judicial scrivener account information 532, for example, a "bank name", a "branch name", a "deposit type", or an "account number" can be input, but the judicial scrivener account information 532 is limited to these. I can't. The "bank name" or "branch name" may be displayed in the judicial scrivener account information 532 by inputting a financial institution code, a branch code, or the like.

When the input of the judicial scrivener account information 532 is completed, the information communication terminal 200 communicates with the server 100 and transmits the judicial scrivener account information 532 to the server 100. When the server 100 receives the judicial scrivener account information 532 from the judicial scrivener input form 530, the account name acquisition unit 130 accesses the server 300 of the financial institution 740 via the communication unit 110 and corresponds to the judicial scrivener account information 532. Obtain the judicial scrivener account name information 533. Further, the input form processing unit 150 transmits the judicial scrivener account name information 533 to the information communication terminal 200 via the communication unit 110. The information communication terminal 200 displays the received judicial scrivener account name information 533 on the screen of the judicial scrivener input form 530. The judicial scrivener 750 or the intermediary company 720 confirms the judicial scrivener account name information 533 displayed on the screen, and if there is no problem, clicks the "match confirmation" button of the judicial scrivener account confirmation display 534 (touch on the touch panel). It may be.) The information communication terminal 200 causes the judicial scrivener account confirmation display 534 to display "OK" indicating that the confirmation of the judicial scrivener account name information 533 has been completed.

After the confirmation of the judicial scrivener account name information 533 is completed, the information communication terminal 200 transmits the judicial scrivener transaction information 531 and the judicial scrivener account information 532, and the judicial scrivener account name information 533 to the server 100. Further, the information communication terminal 200 transmits the judicial scrivener account confirmation information 534a to the server 100 as information regarding the judicial scrivener account confirmation display 534 (information regarding whether or not the judicial scrivener account name information 533 has been confirmed). When the server 100 receives the judicial scrivener transaction information 531 and the judicial scrivener account information 532, the judicial scrivener account name information 533, and the judicial scrivener account confirmation information 534a, the payment processing information generation unit 140 receives the payment processing information (more specifically). Generates (the part of the information about the judicial scrivener 750) in the settlement processing information.

By clicking the button after inputting the judicial scrivener account information 532, the information communication terminal 200 may transmit the judicial scrivener account information 532 to the server 100. Further, by displaying "OK" on the judicial scrivener account confirmation display 534 and then clicking the button, the information and communication terminal 200 can display the judicial scrivener transaction information 531 and the judicial scrivener account information 532, and the judicial scrivener account name information 533. And the judicial scrivener account confirmation information 534a may be transmitted to the server 100.

Further, in the confirmation of the judicial scrivener account name information 533, the account name acquisition unit 130 not only acquires the judicial scrivener account name information 533, but also causes the judicial scrivener input form 530 to input the judicial scrivener account name information 533 and the account name. It may be determined whether or not the judicial scrivener account name information input by the acquisition unit 130 and the acquired judicial scrivener account name information 533 match.

The judicial scrivener 750 or the intermediary company 720 can input only the information necessary for the settlement processing of the real estate transaction by using the buyer input form 500 provided by the settlement system 10. Therefore, the payment system 10 enables quick payment processing.

[6. Payment processing form 600]
A payment processing form 600 provided by the payment system 10 according to the embodiment of the present invention and displayed on the screen of the information communication terminal 200 will be described with reference to FIG. 10. The payment system 10 can provide the payment processing form 600 to the information communication terminal 200 based on the payment processing form request from the information communication terminal 200.

FIG. 10 is a diagram showing a payment processing form 600 provided by the payment system 10 according to the embodiment of the present invention and displayed on the screen of the information communication terminal 200. When the server 100 receives the payment processing form request, the payment processing form processing unit 160 acquires the payment processing original data and the payment processing information from the storage unit 120, and based on the payment processing information, the information necessary for the payment processing is obtained. Generate the included payment processing form data. Specifically, the payment processing form processing unit 160 inputs information acquired from the payment processing information into the payment processing original data, and generates payment processing form data corresponding to the payment processing information. Further, the payment processing form processing unit 160 transmits the payment processing form data to the information communication terminal 200 via the communication unit 110. The information communication terminal 200 displays the payment processing form 600 on the screen based on the received payment processing form data. In the settlement processing form 600, a settlement processing request in a real estate transaction can be executed.

In the payment processing form 600 shown in FIG. 10, the payment target person information 601, the payment amount information 602, and the account confirmation information 603 are displayed, and the payment processing request button 604 and the batch payment processing request button 605 are displayed. .. The settlement target person information 601 and the settlement amount information 602, and the account confirmation information 603 are generated based on the settlement processing information. Specifically, the settlement target person information 601 and the settlement amount information 602 are generated based on the buyer transaction information 501, the seller transaction information 512, the intermediary company transaction information 522, and the judicial scrivener transaction information 532 included in the settlement processing information. To. Further, the account confirmation information 603 is generated based on the buyer account confirmation information 504a, the seller account confirmation information 514a, the intermediary company account confirmation information 524a, and the judicial scrivener account confirmation information 534a included in the settlement processing information.

The settlement target person information 601 displays the names of persons involved in the real estate transaction, such as the buyer 730, the seller 710, the judicial scrivener 750, or the intermediary company 720. Further, in the settlement amount information 602, the withdrawal amount is displayed as the amount of the buyer 730, and the transfer amount is displayed as the amount of each of the seller 710, the judicial scrivener 750, and the intermediary company 720.

In the payment processing form 600, when the account name information is confirmed in the input form, the account confirmation information 603 is displayed as "completed", indicating that the account name information corresponding to the account information has been confirmed. On the other hand, when the account name information has not been confirmed, the account confirmation information 603 is displayed as "unfinished".

When the payment processing request button 604 is clicked, the payment processing by the financial institution 740 is executed. Specifically, the telegram generation unit 170 of the server 100 generates a telegram for the financial institution 740 to execute the payment process, and transmits the telegram to the server 300 of the financial institution 740 via the communication unit 110.

The settlement processing request button 604 is provided for each of the buyer 730, the seller 710, the judicial scrivener 750, and the intermediary company 720. Therefore, the settlement processing request can be executed for each of the buyer account 731, the seller account 711, the judicial scrivener account 751, and the intermediary company account 721. However, if the withdrawal process from the buyer account 731 has not been executed, the transfer process to the seller account 711, the judicial scrivener account 751, and the intermediary company account 721 cannot be executed. That is, unless the settlement processing request button 604 of the buyer 730 is clicked, the settlement processing request button 604 of the seller 710, the judicial scrivener 750, and the intermediary company 720 cannot be clicked. In addition, even if the settlement processing request button 604 of the buyer 730 is clicked, even if the withdrawal processing from the buyer account 731 cannot be performed due to insufficient balance, etc., the seller 710, the judicial scrivener 750, and the intermediary company 720, respectively. The payment processing request button 604 cannot be clicked. In this case, an alert indicating that the withdrawal process cannot be performed from the buyer account 731 can be displayed on the screen of the payment processing form 600, and the buyer 730 can be urged to make a deposit to the buyer account 731.

In the account confirmation information 603, the settlement processing request button 604 of the target person whose account name information corresponding to the account information has not been confirmed cannot be clicked. In the payment processing form 600 shown in FIG. 10, since the account name information of the judicial scrivener 750 is not confirmed (it is in the "unfinished" state), the payment processing request button of the judicial scrivener cannot be clicked.

On the other hand, with the batch settlement processing request button 605, the buyer account 731, the seller account 711, the judicial scrivener account 751, and the intermediary company account 721 can collectively execute the settlement processing request. When the batch settlement processing request button 605 is clicked, the withdrawal processing from the buyer account 731 is executed first, and then the transfer processing of the seller account 711, the judicial scrivener account 751, and the intermediary company account 721 is executed. Will be done. In the payment system 10, payment processing requests are executed in this order. If the withdrawal process from the buyer account 731 cannot be performed, the execution of the withdrawal process from the buyer account 731 is stopped, and an alert indicating that the withdrawal process cannot be performed from the buyer account 731 is displayed.

In the payment processing form 600 shown in FIG. 10, information on the buyer 730, the seller 710, the judicial scrivener 750, and the intermediary company 720 is displayed in a list, but in the payment processing form 600, the buyer 730, the seller 710, the judicial scrivener 750, And the intermediary company 720 may be displayed individually. In this case, each of the buyer 730, the seller 710, the judicial scrivener 750, and the intermediary company 720 can access the individual settlement processing form 600 and execute the settlement processing request.

By using the payment processing form 600 of the payment system 10 according to the present embodiment, it is possible to execute the payment processing request for the real estate transaction without gathering the persons involved in the real estate transaction and without choosing the time and place. ..

As described above, if the payment system 10 according to the present embodiment is used, the buyer account 731 is debited and the seller is deducted from the payment agent account 761 based on the payment processing information without gathering the persons involved in the real estate transaction. The transfer process of the account 711, the intermediary company account 721, and the judicial scrivener account 751 can be performed at once. That is, if the payment system 10 is used, the payment processing in one real estate transaction can be collectively performed, so that the payment processing can be executed on the day when the loan is executed to the buyer 730. Therefore, the time required for the settlement processing of the real estate transaction can be significantly shortened.

<Modification example>
Hereinafter, some modifications of the input form or the payment input form provided by the payment system 10 will be described.

[Modification 1: Seller Input Form 510A]
With reference to FIG. 11, another input form 510A provided by the system according to the present embodiment and displayed on the screen of the information communication terminal 200 will be described. In the description of the input form 510A according to this modification, the same configuration as the seller input form 510 will be omitted, and a configuration different from the seller input form 510 will be mainly described.

FIG. 11 is a diagram showing a seller input form 510A provided by the payment system 10 according to the embodiment of the present invention and displayed on the screen of the information communication terminal 200. Specifically, the input form 510A shown in FIG. 11 is used to input transaction information and account information of the seller 710 who is repaying the loan. If the payment system 10 is used, in the payment processing of a real estate transaction, it is possible to execute the withdrawal processing by repayment of the loan of the seller 710 in addition to the transfer processing by selling the real estate. In the settlement process, the mortgage of the real estate can be canceled by completing the repayment of the loan of the seller 710, so that the real estate transaction can be expedited.

In the input form 510A shown in FIG. 11, the seller transaction information 511A and the seller account information 512 can be input as the real estate transaction information of the seller 710. As the seller transaction information 511A, for example, "seller name", "total transaction amount", "brokerage fee", "registration fee", "loan repayment amount", "other expenses", "total payment amount", etc. are input. However, the seller transaction information 511A is not limited to these. Also, when the "brokerage fee", "registration fee", "loan repayment amount", and "other expenses" related to the amount are entered, it is automatically calculated and the "total payment amount" is displayed. good.

[Variation example 2: Input form for financial institutions 540]
An input form 540 provided by the payment system 10 according to the present embodiment and displayed on the screen of the information communication terminal 200 will be described with reference to FIG. 12. In the description of the input form 540 according to this modification, the same configuration as the above-mentioned input form is omitted, and a configuration different from the above-mentioned input form will be mainly described.

FIG. 12 is a diagram showing an input form 540 for a financial institution provided by the payment system 10 according to the embodiment of the present invention and displayed on the screen of the information communication terminal 200. Specifically, the input form 540 shown in FIG. 12 is used to input the real estate transaction information of the financial institution 740 that executed the loan to the seller 710. If the payment system 10 is used, in the settlement processing of the real estate transaction, the transfer processing of the financial institution 740 in which the loan is repaid from the seller 710 is executed in addition to the execution of the transfer processing by buying and selling the real estate to the seller 710. be able to.

In the input form 540 shown in FIG. 12, financial institution transaction information 541 and financial institution account information 542 can be input as real estate transaction information of financial institution 740. As the financial institution transaction information 541, for example, "seller name", "total transaction amount", "loan principal repayment", "interest payment amount", "total", "office in charge" and the like can be input. However, the financial institution transaction information 541 is not limited to these. Further, when the "loan principal repayment" and the "interest payment amount" regarding the amount are input, the "total" may be automatically calculated and displayed. The input to the input form 540 may be performed by the financial institution 740, or may be performed by the intermediary company 720 or the seller 710.

[Modification 3: Input Form for Others 550]
With reference to FIG. 13, another input form 550 provided by the system according to the present embodiment and displayed on the screen of the information communication terminal 200 will be described. In the description of the other input form 550 according to this modification, the same configuration as the above-mentioned input form is omitted, and a configuration different from the above-mentioned input form will be mainly described.

FIG. 13 is a diagram showing an input form 550 for other use provided by the payment system 10 according to the embodiment of the present invention and displayed on the screen of the information communication terminal 200. Specifically, the input form 550 shown in FIG. 13 is used to input transaction information in the case of other payments related to real estate transactions. If the settlement system 10 is used, in the settlement process of a real estate transaction, it is possible to execute the transfer process of the price generated in connection with the real estate transaction in addition to the execution of the withdrawal process and the transfer process by buying and selling the real estate.

In the input form 550 shown in FIG. 13, other transaction information 551 and other account information 552 can be input as other real estate transaction information. As the other transaction information 551, for example, "seller name", "total transaction amount", "other payment amount 1", "other payment amount 2", "total", "payee" and the like can be input. , Other transaction information 551 is not limited to these. Further, when the "other payment amount 1" and the "other payment amount 2" regarding the amount of money are input, the "total" may be automatically calculated and displayed. The input to the input form 550 may be performed by the intermediary company 720, or may be performed by the seller 710 or the buyer 730.

[Variation example 4: Input form for financial institutions 560]
With reference to FIG. 14, the input form 560 provided by the system 10 according to the present embodiment and displayed on the screen of the information communication terminal 200 will be described. In the description of the input form 560 according to the present modification, the same configuration as the above-mentioned input form is omitted, and a configuration different from the above-mentioned input form will be mainly described.

FIG. 14 is a diagram showing an input form 560 for a financial institution provided by the payment system 10 according to the embodiment of the present invention and displayed on the screen of the information communication terminal 200. Specifically, the financial institution input form 560 shown in FIG. 14 is used to input the real estate transaction information of the financial institution 740 that executes the loan to the buyer 730. If the payment system 10 is used, it can be used for confirming a loan from the financial institution 740 to the buyer 730 in the settlement processing of the real estate transaction.

In the input form 560 shown in FIG. 14, financial institution transaction information 561 and financial institution account information 562 can be input as real estate transaction information of financial institution 740. As the financial institution transaction information 561, for example, "borrower name", "total transaction amount", "overheads", "cash on hand", "loan execution amount" and the like can be input, but financial institution transaction information 561 Is not limited to these. Further, the input form 560 for a financial institution may include a registration confirmation display 544 in order to confirm the real estate registration. The input to the input form 560 may be performed by the financial institution 740 that executes the loan to the buyer 730, or may be performed by the intermediary company 720 or the buyer 730.

[Modification 5: Payment processing form 610]
A modified example of the payment processing form 600 provided by the payment system 10 according to the present embodiment and displayed on the screen of the information communication terminal 200 will be described with reference to FIG. In the description of the payment processing form 610 according to this modification, the same configuration as the payment processing form 600 will be omitted, and a configuration different from the payment processing form 600 will be mainly described.

FIG. 15 is a diagram showing a payment processing form 610 provided by the payment system 10 according to the embodiment of the present invention and displayed on the screen of the information communication terminal 200. Specifically, the settlement processing form 610 shown in FIG. 15 is used by the seller 710 who is repaying the loan. If the payment system 10 is used, in the settlement of a real estate transaction, it is possible to execute not only the transfer processing by selling the real estate but also the withdrawal processing by repayment of the loan of the seller 710.

The settlement processing form 600 is the withdrawal process of the buyer 730, whereas the settlement processing form 610 is the withdrawal process of the seller 710. That is, the payment processing form 600 and the payment processing form 610 have different targets for withdrawal processing, and there is a possibility that the target person for withdrawal processing may be mistaken for the payment processing form in which both are displayed in a list. Therefore, from the viewpoint of preventing confusion, it is preferable that the payment processing form 600 and the payment processing form 610 are displayed separately without being displayed in a list.

In the payment processing form 610 shown in FIG. 15, the payment target person information 611, the payment amount information 612, and the account name confirmation information 613 are displayed, and the payment processing request button 614 and the batch payment processing request button 615 are displayed. There is. The settlement target person information 611, the settlement amount information 612, and the account name confirmation information 613 are generated based on the settlement processing information.

The settlement target information 611 displays related parties related to the loan repayment of the seller 710, such as the seller 710, the repayment bank, the judicial scrivener 750, or the intermediary company 720. Further, in the settlement amount information 612, the withdrawal amount is displayed for the seller 710, and the transfer amount is displayed for the repayment bank, the judicial scrivener 750, and the intermediary company 720.

Although the modification of the input form or the payment form has been described above, various input forms or payment processing forms can be used in the payment system 10 according to the present embodiment. Since these input forms or payment processing forms are managed by the payment system 10, it is possible to prepare an input form or a payment processing form according to the mode of each real estate transaction, and the input form or the payment processing form can be modified. It can be done easily.

<Second Embodiment>
With reference to FIG. 16, another embodiment of the flow of the real estate transaction using the payment system 10 will be described. In the description of the real estate transaction flow according to this modification, the same configuration as the above-mentioned real estate transaction flow will be omitted, and a configuration different from the above-mentioned real estate transaction flow will be mainly described.

FIG. 16 is a schematic diagram showing a flow of another real estate transaction using the payment system 10 according to the embodiment of the present invention. Specifically, FIG. 16 is a flow of real estate transactions after a loan is executed from a financial institution 740 to a buyer 730, and is mainly a flow of settlement of payment for real estate transactions.

In the real estate settlement processing shown in FIG. 16, when the settlement processing request is executed by the settlement system 10, the withdrawal amount of the settlement processing information is deducted from the buyer account 731 and transferred to the settlement agency account 761 (step S204). Immediately thereafter, the withdrawal amount of the settlement processing information is deducted from the settlement agency account 761 and transferred to the trust account 741A of the financial institution 740 (S204A). Next, after it is confirmed that the money has been transferred to the trust account 741A, the transfer process from the trust account 741 to the intermediary company account 721, the seller account 711, and the judicial scrivener account 751 is executed (step S205A). That is, in the settlement process of the real estate transaction shown in FIG. 16, the withdrawal amount from the buyer account 731 is managed by the trust account 741 even if it is temporary. Therefore, even if the settlement agency 760 goes bankrupt, the price paid to the intermediary company 720, the seller 710, and the judicial scrivener 750 is guaranteed, and the security in the real estate transaction is improved.

In FIG. 16, for convenience, the financial institution that executes the loan and the financial institution in which the trust account is opened are described as the same financial institution 740, but the two may be different financial institutions.

<Third Embodiment>
With reference to FIG. 17, another network system in which the payment system 10 according to the present embodiment is used will be described. In the description of the network system according to the present embodiment, the same configuration as the above-mentioned network system will be omitted, and the configuration different from the above-mentioned network system will be mainly described.

FIG. 17 is a block diagram showing another network system in which the payment system 10 according to the present embodiment is used.

As shown in FIG. 17, in the network system of the present embodiment, the server 100 including the payment system 10, the information communication terminal 200-1 of the seller 710 that can access the server 100, and the information communication terminal 200-2 of the intermediary company 720 , The information and communication terminal 200-3 of the buyer 730, and the information and communication terminal 200-4 of the judicial scrivener 750. The information communication terminal 200-1 of the seller 710, the information communication terminal 200-2 of the intermediary company 720, the information communication terminal 200-3 of the buyer 730, and the information communication terminal 200-4 of the judicial scrivener 750 are via the network NW. It is possible to make a communication connection with the server 100 of the settlement agency 760.

In the network system described in the first embodiment, the intermediary company 720 inputs the real estate transaction information in the input form of the payment system 10, but in the network system of the present embodiment, not only the intermediary company 720 but also the intermediary company 720 is input. Each of the seller 710, the buyer 730, and the judicial scrivener 750 can access the server 100 and enter their real estate transaction information in the input form of the payment system 10. In the network system according to the present embodiment, since each of the seller 710, the intermediary company 720, the buyer 730, and the judicial scrivener 750 can input the real estate transaction information at any time and place, the input of the payment system 10 is performed. It is possible to respond flexibly when entering real estate transaction information in the form.

Further, in inputting to the input form of the payment system 10, the intermediary company 720 may manage the input form, and the seller 710, the buyer 730, and the judicial scrivener 750 may be made to input a part of the input form. For example, in inputting an input form, the intermediary company 720 can manage the seller 710, the buyer 730, and the judicial scrivener 750 so that each of them can input only the account information in the input form.

<Fourth Embodiment>
Further, another network system in which the payment system 10 is used will be described with reference to FIG. In the description of the network system according to the present embodiment, the same configuration as the above-mentioned network system will be omitted, and the configuration different from the above-mentioned network system will be mainly described.

FIG. 18 is a block diagram showing still another network system in which the payment system 10 according to the embodiment of the present invention is used.

As shown in FIG. 18, the network system according to the present embodiment includes a server 100 including a payment system 10, and information communication terminals 200-1 and a second information communication terminal 200-1 of a first intermediary company 720-1 that can access the server 100. Includes the information and communication terminal 200-2 of the intermediary company 720-2. The information communication terminal 200-1 of the first intermediary company 720-1 and the information communication terminal 200-2 of the second intermediary company 720-2 communicate with the server 100 of the settlement agency 760 via the network NW. be able to.

In the network system according to the present embodiment, since the first intermediary company 720-1 on the seller 710 side and the second intermediary company 720-2 on the buyer 730 side exist separately, the first intermediary company Each of 720-1 and the second intermediary company 720-2 can input real estate transaction information in the input form of the payment system. In the payment system 10, it is possible to prepare an input form according to the mode of the real estate transaction, and by inputting the real estate transaction information using the input form, it is possible to collectively perform the payment processing in one real estate transaction. can. Therefore, the settlement process in the real estate transaction can be executed quickly.

The embodiments of the present invention can be carried out by appropriately combining configurations as long as they do not contradict each other. Further, based on the embodiment, those skilled in the art have appropriately added, deleted, or changed the design of components, or added, omitted, or changed the conditions of the process, which is the gist of the present invention. As long as it is provided, it is included in the scope of the present invention.

Other effects different from those brought about by the above-described embodiments, which are obvious from the description of the present specification or which can be easily predicted by those skilled in the art, are naturally according to the present invention. It is understood that it will be brought.

10: Payment system, 100: Server, 110: Communication unit, 120: Storage unit, 130: Account name acquisition unit, 140: Payment processing information generation unit, 150: Input form processing unit, 160: Payment processing form processing unit, 170 : Message generator, 200, 200-1, 200-2, 200-3, 200-4: Information and communication terminal, 300, 300-1, 300-n: Server, 500: Input form, 501: Buyer transaction information, 502: Buyer account information, 503: Buyer account name information, 504: Buyer account confirmation display, 510, 510A: Input form, 511, 511A: Seller transaction information, 512: Seller account information, 513: Seller account name information, 514: Seller account confirmation display, 520: Input form, 521: Brokerage company transaction information, 522: Brokerage company account information, 523: Brokerage company account name information, 524: Brokerage company account confirmation display, 530: Input form, 531: Judicial scrivener transaction Information, 532: Judicial Scrivener Account Information, 533: Judicial Scrivener Account Name Information, 534: Judicial Scrivener Account Confirmation Display, 540: Input Form, 541: Financial Institution Transaction Information, 542: Financial Institution Account Information, 544: Registration Confirmation Display, 550: Input form, 551: Other transaction information, 552: Other account information, 560: Input form, 561: Financial institution transaction information, 562: Financial institution account information, 600, 610: Payment processing form, 601, 611: Payment target Person information, 602, 612: Payment amount information, 603, 613: Account name confirmation information, 604, 614: Payment processing request button, 605, 615: Bulk payment processing request button, 700: Bank, 710: Seller, 711: Seller Account, 720: Brokerage Company, 720-1: First Brokerage Company, 720-2: Second Brokerage Company, 721: Brokerage Company Account, 730: Buyer, 731: Buyer Account, 740: Financial Institution, 740-1 : 1st financial institution, 740-2: 2nd financial institution, 740-n: nth financial institution, 741: Trust account, 741A: Trust account, 750: Judicial scrivener, 751: Judicial scrivener account, 760: Settlement agency, 761: Settlement agency account

Claims (21)

An information generation unit that generates at least first account information and payment processing information based on the second account information,
A payment system including a telegram generation unit that generates a telegram requesting payment processing to a financial institution based on the payment processing information. The payment system according to claim 1, wherein the payment system includes an account acquisition unit that acquires the first account name information corresponding to the first account information. The payment system according to claim 1 or 2, which includes a form processing unit that generates a payment processing form based on the payment processing information. The first account information is obtained from the first input form.
The payment system according to any one of claims 1 to 3, wherein the second account information is obtained from the second input form. The payment system according to any one of claims 1 to 4, wherein the telegram is generated by an execution command of a payment processing form generated from the payment processing information. The first account information is information about the seller's account in a real estate transaction.
The payment system according to any one of claims 1 to 5, wherein the second account information is information regarding a buyer's account in the real estate transaction. The telegram is
The first telegram requesting the withdrawal process of the seller's account,
Including the second telegram requesting the transfer processing of the buyer's account,
The payment system according to claim 6, wherein the first telegram and the second telegram are transmitted to the financial institution in this order. Generate payment processing information based on at least the first account information and the second account information,
A payment method that generates a telegram requesting payment processing to a financial institution based on the payment processing information. The payment method according to claim 8, wherein the first account name information corresponding to the first account information is acquired. The payment method according to claim 8 or 9, which generates a payment processing form based on the payment processing information. The first account information is obtained from the first input form.
The settlement method according to any one of claims 8 to 10, wherein the second account information is obtained from the second input form. The payment method according to any one of claims 8 to 11, wherein the telegram is generated by an execution command of a payment processing form generated from the payment processing information. The first account information is information about the seller's account in a real estate transaction.
The settlement method according to any one of claims 8 to 12, wherein the second account information is information regarding a buyer's account in the real estate transaction. The telegram is
The first telegram requesting the withdrawal process of the seller's account,
Including the second telegram requesting the transfer processing of the buyer's account,
The settlement method according to claim 13, wherein the first telegram and the second telegram are transmitted to the financial institution in this order. A program that is executed on the computer of the server and is on the computer.
Generate payment processing information based on at least the first account information and the second account information,
A program that generates a telegram requesting payment processing to a financial institution based on the payment processing information. The program according to claim 15, wherein the first account name information corresponding to the first account information is acquired. The program according to claim 15 or claim 16, which generates a payment processing form based on the payment processing information. The first account information is obtained from the first input form.
The program according to any one of claims 15 to 17, wherein the second account information is obtained from the second input form. The program according to any one of claims 15 to 18, wherein the telegram is generated by an execution command of a payment processing form generated from the payment processing information. The first account information is information about the seller's account in a real estate transaction.
The program according to any one of claims 15 to 19, wherein the second account information is information about a buyer's account in the real estate transaction. The telegram is
The first telegram requesting the withdrawal process of the seller's account,
Including the second telegram requesting the transfer processing of the buyer's account,
The program according to claim 20, wherein the first telegram and the second telegram are transmitted to the financial institution in this order.

Images