JP2023021203A - financial system - Google Patents
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本発明は、資金の移動および貯留を管理する金融システムに関する。 The present invention relates to financial systems that manage the movement and storage of funds.
近年、クレジットカードや、電子マネー、ＱＲコード決済などの電子決済方法がある（特許文献１）。このような決済方法は、顧客と店舗との間でも利用される。顧客と店舗とは、売買契約が成立し、商品の譲渡と代金の支払いが行われる。この代金の支払は、従来は紙幣や硬貨により行われていたが、電子決済を用いることで、紙幣や硬貨が不要になるといったメリットがあるため、電子決済の普及が進んでいる。 In recent years, there are electronic settlement methods such as credit cards, electronic money, and QR code settlement (Patent Document 1). Such payment methods are also used between customers and stores. A sales contract is concluded between the customer and the store, and the transfer of the product and payment are made. Conventionally, bills and coins are used for payment of the price, but the use of electronic settlement has the advantage of eliminating the need for bills and coins, and electronic settlement is becoming more popular.
ただし、これらの電子決済では、売買契約と実際の資金の流れにタイムラグが生じる。例えば、クレジットカードの場合、売買契約の成立（商品の販売）から、店舗に入金があるまでには、２カ月近いタイムラグが生じていた。 However, with these electronic payments, there is a time lag between the sales contract and the actual flow of funds. For example, in the case of a credit card, there is a time lag of nearly two months from the conclusion of a sales contract (sale of goods) to the receipt of money at a store.
従来の決済システムでは、そのような商品売買と資金の流れのタイムラグが生じることに対して、特段、意識は向けられていなかった。しかし、本発明の発明者は、資金の流れにタイムラグが生じるということは、資金の流れのどこかに資金が貯蓄される状況を生むことができるという知見を得た。 In conventional payment systems, no particular attention has been paid to the occurrence of such a time lag between commodity trading and the flow of funds. However, the inventors of the present invention have found that the occurrence of a time lag in the flow of funds can create a situation where funds are saved somewhere in the flow of funds.
（１）この知見に基づき、本発明に係る金融システムは、複数の債務者情報処理装置への第１の出金情報と、複数の前記債務者情報処理装置からの第１の入金情報と、複数の第１の金融機関サーバーからの第２の入金情報と、複数の第２の金融機関サーバーへの第２の出金情報と、を受ける貯留型入手金サーバーシステムであって、前記第１の入金情報と前記第１の出金情報と前記第２の入金情報と前記第２の出金情報とから貯蓄する資金情報を算出可能であり、前記第１の入金情報は、特定時点の入金情報量が予定されており、前記第２の出金情報は、特定時点の出金情報量が予定されており、前記第２の入金情報は、特定時点の入金情報量が予定されており、前記第１の出金情報が、前記貯蓄する資金情報から、前記第１の入金情報の特定時点の入金情報量を加え、前記第２の出金情報の特定時点の入金情報量を引き、前記第２の入金情報の特定時点の入金情報量を加えた資金情報を超えないように決定する、ことを特徴とする。 (1) Based on this knowledge, the financial system according to the present invention includes first withdrawal information to a plurality of debtor information processing devices, first deposit information from a plurality of debtor information processing devices, A deposit-type deposit server system for receiving second deposit information from a plurality of first financial institution servers and second withdrawal information to a plurality of second financial institution servers, wherein the first fund information to be saved can be calculated from the deposit information, the first withdrawal information, the second deposit information, and the second withdrawal information, and the first deposit information is the deposit at a specific time The amount of information is scheduled, the second withdrawal information is scheduled to be the amount of withdrawal information at a specific point in time, the second deposit information is scheduled to be the amount of deposit information at a specific point in time, The first withdrawal information is obtained by adding the deposit information amount at a specific point in time in the first deposit information from the fund information to be saved, subtracting the deposit information amount at a specific point in the second withdrawal information, and It is characterized in that the second deposit information is determined so as not to exceed the fund information including the amount of deposit information at a specific point in time.
この金融システムによれば、貯蓄型入出金サーバーが、第１の入金情報に第２の入金情報を加えた金額に対して、第１の出金情報と第２の出金情報との金額を差し引いた金額を貯蓄することができる。さらに、融資金額である前記第１の出金情報が、前記貯蓄する資金情報から、前記第１の入金情報の特定時点の入金情報量を加え、前記第２の出金情報の特定時点の入金情報量を差し引き、前記第２の入金情報の特定時点の入金情報量を加えた資金情報を超えないように決定することにより、債務者情報処理装置に融資する金額がサーバーに貯蓄された金額を超えないようにすることができる。 According to this financial system, the savings type deposit/withdrawal server adds the amount of the first deposit information and the second deposit information to the sum of the first deposit information and the second deposit information. You can save the deducted amount. Further, the first withdrawal information, which is the loan amount, is obtained by adding the amount of payment information at a specific time point in the first payment information from the information on the funds to be saved, and obtaining the payment amount at the specific time point in the second payment information. By subtracting the amount of information and determining not to exceed the amount of money information obtained by adding the amount of money deposit information at a specific point of time of the second money deposit information, the amount of money to be financed to the debtor information processing device is the amount of money saved in the server. can be made not to exceed
したがって、この金融システムによれば、電子決済による商品売買と資金の流れのタイムラグを利用して、貯蓄型入出金サーバーでは、債務者情報処理装置に融資するための融資資金を調達することができる。換言すれば、調達コストなく融資資金を調達することができる。 Therefore, according to this financial system, the savings-type deposit/withdrawal server can procure loan funds for financing the debtor information processing device by utilizing the time lag between the commodity trading by electronic settlement and the flow of funds. . In other words, loan funds can be raised without funding costs.
本発明によれば、調達コストなく融資資金を調達することができる金融システムを提供する。 ADVANTAGE OF THE INVENTION According to this invention, the financial system which can procure loan funds without procurement cost is provided.
以下、本発明の実施形態に係る金融システムについて図面を参照しつつ説明する。なお、本実施形態において、金融システムを構成する、サーバー、端末、情報処理装置は、従来よく知られる情報処理装置である。 A financial system according to an embodiment of the present invention will be described below with reference to the drawings. In this embodiment, the servers, terminals, and information processing devices that constitute the financial system are conventionally well-known information processing devices.
図１に示すように、金融システムは、貯蓄型入出金サーバーと、複数の第１の金融機関サーバーと、複数の第２の金融機関サーバーと、複数の債務者情報処理装置と、複数の顧客端末と、複数の店舗端末とを含む。 As shown in FIG. 1, the financial system includes a savings deposit/withdrawal server, a plurality of first financial institution servers, a plurality of second financial institution servers, a plurality of debtor information processing devices, and a plurality of customers. A terminal and a plurality of store terminals are included.
貯蓄型入出金サーバーは、複数の債務者情報処理装置と接続されており、各債務者情報処理装置に第１の出金情報を送信し、第１の入金情報を受信する。第１の出金情報は、貯蓄型入出金サーバーから各債務者情報処理装置への出金する金額の情報を含む。また、第１の入金情報は、各債務者情報処理装置から貯蓄型入出金サーバーへ入金する金額の情報を含む。 The savings type deposit/withdrawal server is connected to a plurality of debtor information processing devices, transmits first payment information to each debtor information processing device, and receives first deposit information. The first withdrawal information includes information on the amount to be withdrawn from the savings-type deposit/withdrawal server to each debtor information processing device. Also, the first deposit information includes information on the amount of money to be deposited from each debtor information processing device to the savings-type deposit/withdrawal server.
貯蓄型入出金サーバーは、複数の第１の金融機関サーバーと接続されており、各第１の金融機関サーバーから第２の入金情報を受信する。第２の入金情報は、各第１の金融機関サーバーから貯蓄型入出金サーバーへ入金する金額の情報を含む。 The savings-type deposit/withdrawal server is connected to a plurality of first financial institution servers and receives second deposit information from each first financial institution server. The second deposit information includes information on amounts to be deposited from each first financial institution server to the savings-type deposit/withdrawal server.
貯蓄型入出金サーバーは、複数の第２の金融機関サーバーと接続されており、各第２の金融機関サーバーから第２の出金情報を送信する。第２の出金情報は、各第２の金融機関サーバーへ貯蓄型入出金サーバーから出金する金額の情報を含む。 The savings-type deposit/withdrawal server is connected to a plurality of second financial institution servers, and transmits second withdrawal information from each of the second financial institution servers. The second withdrawal information includes information on the amount to be withdrawn from the savings-type deposit/withdrawal server to each second financial institution server.
第１の金融機関サーバーは、複数の顧客端末と接続されており、顧客端末から第３の入金情報を受ける。第３の入金情報は、顧客端末から第１の金融機関サーバーへ入金する金額の情報を含む。 A first financial institution server is connected to a plurality of customer terminals and receives third deposit information from the customer terminals. The third deposit information includes information on the amount to be deposited from the customer terminal to the first financial institution server.
第２の金融機関サーバーは、複数の店舗端末と接続されており、店舗端末へ第３の出金情報を送信する。第３の出金情報は、店舗端末へ第２の金融機関サーバーから出金する金額の情報を含む。 The second financial institution server is connected to a plurality of store terminals and transmits third payment information to the store terminals. The third withdrawal information includes information on the amount to be withdrawn from the second financial institution server to the store terminal.
顧客端末と店舗端末とは、相互に接続可能であり、商品の売買情報を交換する。商品の売買情報は、店舗から顧客が購入した商品の情報と、商品の対価として支払うべき支払金額の情報とを含む。支払金額の情報は、図示しないが、従来よく知られるクレジットカード決済等の仕組みにより、第１の金融機関サーバーと、第２の金融機関サーバーとに送られる。 The customer terminal and the store terminal can be connected to each other, and exchange product trading information. The product sales information includes information on the product purchased by the customer from the store and information on the payment amount to be paid as consideration for the product. The payment amount information is sent to the first financial institution server and the second financial institution server by a well-known system such as credit card settlement (not shown).
顧客が支払う支払金額は、商品売買の時点から遅れて第１の金融機関に支払われる。したがって、第１の金融機関および第２の金融機関は、顧客からの実際の入金に先がけて、支払金額の情報を収集することができる。 The payment amount paid by the customer is paid to the first financial institution with a delay from the point of sale of the product. Therefore, the first financial institution and the second financial institution can collect payment amount information prior to the actual deposit from the customer.
債務者情報処理装置は、貯蓄型入出金サーバーに入金要請を行い、貯蓄型入出金サーバーの承諾があった場合に第１の金融機関サーバーから第１の出金情報を受ける。また、債務者情報処理装置は、貯蓄型入出金サーバーからの出金に対して所定の期間を経て、所定の利息を付加して、貯蓄型入出金サーバーに第１の入金情報を送信する。 The debtor information processing device makes a deposit request to the savings type deposit/withdrawal server, and receives the first payment information from the first financial institution server when the savings type deposit/withdrawal server approves. In addition, the debtor information processing device adds a predetermined interest to the payment from the savings-type deposit/withdrawal server after a predetermined period of time, and transmits the first deposit information to the savings-type deposit/withdrawal server.
貯蓄型入出金サーバーは、債務者情報処理装置からの第１の入金情報と、第１の金融機関サーバーからの第２の入金情報とから、債務者情報処理装置からの第１の出金情報と第２の金融機関サーバーへの第２の出金情報とを差し引いた額の資金を貯蓄する The savings-type deposit/withdrawal server generates first payment information from the debtor information processing device based on the first deposit information from the debtor information processing device and the second deposit information from the first financial institution server. and the second withdrawal information to the second financial institution server.
次に、金融システムにおける資金の流れについて説明する。 Next, I will explain the flow of funds in the financial system.
まず、顧客と店舗にて売買契約が成立する。このとき、顧客端末と支払端末との間で売買情報を交換する。このとき、顧客端末は、従来知られるクレジットカード決済により支払いを行う。したがって、商品の対価として支払うべき支払金額の情報が、第１の金融機関サーバーおよび第２の金融機関サーバーに店舗端末から送信される。また、店舗端末は、売買情報の交換の直後に第２の金融機関から第３の出金情報を受ける。すなわち、店舗は、顧客がクレジットカードを使用したにもかかわらず、顧客や第１の金融機関のクレジットカードの処理を待つことなく、資金（商品の対価）を得ることができる。なお、この資金は、第２の金融機関が第１の金融機関の信用を担保に融資を行ったこととなる。 First, a sales contract is established between the customer and the store. At this time, trading information is exchanged between the customer terminal and the payment terminal. At this time, the customer terminal pays by the conventionally known credit card settlement. Therefore, the information of the payment amount to be paid for the product is transmitted from the shop terminal to the first financial institution server and the second financial institution server. Also, the store terminal receives the third withdrawal information from the second financial institution immediately after the trading information is exchanged. In other words, the store can obtain funds (consideration for goods) without waiting for credit card processing by the customer or the first financial institution even though the customer uses the credit card. It should be noted that this fund is provided by the second financial institution using the credit of the first financial institution as collateral.
次に、売買契約の後、所定の期間を経て、顧客から第１の金融機関サーバーに第３の入金情報が送信される。すなわち、顧客から第１の金融機関に資金が送られる（商品の対価の入金）。なお、第１の金融機関サーバーは、複数の顧客端末と接続しており、多数の顧客端末からの資金を受ける。 Next, after a predetermined period of time after the sales contract is signed, the customer sends the third deposit information to the first financial institution server. That is, the customer sends funds to the first financial institution (receipt of the consideration for the product). The first financial institution server is connected to multiple customer terminals and receives funds from multiple customer terminals.
次に、顧客から第１の金融機関に資金が送られた後に、第１の金融機関サーバーから貯蓄型入出金サーバーに第１の入金情報が送信される。なお、貯蓄型入出金サーバーは、複数の第１の金融機関サーバーと接続しており、多数の第１の金融機関サーバーからの資金を受ける。 Next, after the funds are sent from the customer to the first financial institution, the first deposit information is transmitted from the first financial institution server to the savings type deposit/withdrawal server. The savings-type deposit/withdrawal server is connected to a plurality of first financial institution servers, and receives funds from a large number of first financial institution servers.
次に、貯蓄型入出金サーバーは、債務者情報処理装置からの入金要請を受け、入金要請の金額が許容可能な場合に、出金を可能と判断して第１の出金情報を送信する。すなわち、貯蓄型入出金サーバーは、後述するように、貯蓄する資金情報から、第１の入金情報の特定時点の入金情報量を加え、第１の出金情報の特定時点の入金情報量を引き、第２の入金情報の特定時点の入金情報量を加えた資金情報を超えないように決定し、債務者情報処理装置に対して資金の貸し付けを行う。 Next, the savings-type deposit/withdrawal server receives a deposit request from the debtor information processing device, determines that withdrawal is possible, and transmits the first withdrawal information when the requested amount is acceptable. . That is, as will be described later, the savings-type deposit/withdrawal server adds the amount of deposit information at a specific point in time in the first deposit information and subtracts the amount of deposit information at a specific point in time in the first withdrawal information from the fund information to be saved. , determined so as not to exceed the fund information obtained by adding the amount of deposit information at a specific point of time of the second deposit information, and lends the funds to the debtor information processing device.
次に、貯蓄型入出金サーバーは、貯蓄型入出金サーバーからの融資に対して所定の期間を経て、所定の利息を付加して、債務者情報処理装置から第１の入金情報を受信する。 Next, the savings-type deposit/withdrawal server adds a predetermined interest to the loan from the savings-type deposit/withdrawal server after a predetermined period of time, and receives the first deposit information from the debtor information processing device.
次に、貯蓄型入出金サーバーは、第２の金融機関サーバーに第２の出金情報を送信する。なお、貯蓄型入出金サーバーは、複数の第１の金融機関サーバーから受けた各第２の入金情報に対応した第２の出金情報を各第２の金融機関サーバーに送信する。第２の金融機関は、先に店舗に支払金額を融資しており、その融資の利息分を支払金額に上乗せした金額を貯蓄型入出金サーバーから受けとることとなる。 Next, the savings-type deposit/withdrawal server transmits the second withdrawal information to the second financial institution server. The savings-type deposit/withdrawal server transmits second withdrawal information corresponding to each second deposit information received from the plurality of first financial institution servers to each of the second financial institution servers. The second financial institution has previously financed the payment amount to the store, and receives from the savings-type deposit/withdrawal server an amount obtained by adding the interest portion of the loan to the payment amount.
上述のように、貯蓄型入出金サーバーに入出金される、第１の入金情報は、第２の入金情報、第２の出金情報は、特定時点での入金額、出金額が予定されている。したがって、貯蓄型入出金サーバーは、第１の出金情報が、貯蓄している資金情報（金額）から、前記第２の入金情報の特定時点の入金情報量（金額）を加え、第２の出金情報の特定時点の入金情報量（金額）を引き、第２の入金情報の特定時点の入金情報量（金額）を加えた資金情報を超えないように決定することができる。 As described above, the first deposit information to be deposited and withdrawn from the savings type deposit and withdrawal server is the second deposit information, and the second withdrawal information is the scheduled deposit amount and withdrawal amount at a specific point in time. there is Therefore, the savings-type deposit/withdrawal server adds the deposit information amount (amount) at a specific point in time to the second deposit information from the fund information (amount) that the first deposit information is stored, It can be determined so as not to exceed the funds information obtained by subtracting the deposit information amount (money amount) at a specific point in the withdrawal information and adding the deposit information amount (amount) at a particular point in time of the second deposit information.
以上、本実施形態に係る金融システムについて説明した。ただし、金融システムは上記の実施形態に限定されず、発明の目的を達成する範囲で他の構成とすることができる。 The financial system according to this embodiment has been described above. However, the financial system is not limited to the above-described embodiments, and can be configured in other ways within the scope of achieving the object of the invention.
本発明は、金融システムに利用できる。
INDUSTRIAL APPLICABILITY The present invention can be used in financial systems.
Claims (2)
複数の前記借受人端末からの第１の入金情報と、
複数の第１の金融機関サーバーからの第２の入金情報と、
複数の第２の金融機関サーバーへの第２の出金情報と、
を受ける貯留型入手金サーバーシステムであって、
前記第１の入金情報と前記第１の出金情報と前記第２の入金情報と前記第２の出金情報とから貯蓄する資金情報を算出可能であり、
前記第１の入金情報は、特定時点の入金情報量が予定されており、
前記第２の出金情報は、特定時点の出金情報量が予定されており、
前記第２の入金情報は、特定時点の入金情報量が予定されており、
前記第１の出金情報が、前記貯蓄する資金情報から、前記第１の入金情報の特定時点の入金情報量を加え、前記第２の出金情報の特定時点の入金情報量を引き、前記第２の入金情報の特定時点の入金情報量を加えた資金情報を超えないように決定する、金融システム。 first withdrawal information to a plurality of borrower terminals;
first deposit information from a plurality of borrower terminals;
second deposit information from a plurality of first financial institution servers;
second withdrawal information to a plurality of second financial institution servers;
A stored receipts server system for receiving
fund information to be saved can be calculated from the first deposit information, the first withdrawal information, the second deposit information, and the second withdrawal information;
The first deposit information is a scheduled amount of deposit information at a specific point in time,
The second withdrawal information is scheduled to be the amount of withdrawal information at a specific point in time,
The second deposit information is a scheduled amount of deposit information at a specific point in time,
The first withdrawal information is obtained by adding the deposit information amount at a specific point in time in the first deposit information from the fund information to be saved, subtracting the deposit information amount at a specific point in the second withdrawal information, and A financial system that decides not to exceed the fund information including the amount of deposit information at a specific point in time of the second deposit information.
前記第１の金融機関サーバーは、店舗端末への第３の出金情報を受け、
前記店舗端末と前記顧客端末とは売買情報を交換する、請求項１に記載の金融システム。
The first financial institution server receives third deposit information from the customer terminal,
The first financial institution server receives third withdrawal information to the store terminal,
2. The financial system according to claim 1, wherein said shop terminal and said customer terminal exchange trading information.
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| JP2021126351A Pending JP2023021203A (en) | 2021-07-31 | 2021-07-31 | financial system |
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| Country | Link |
|---|---|
| JP (1) | JP2023021203A (en) |
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2021
- 2021-07-31 JP JP2021126351A patent/JP2023021203A/en active Pending
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