JP4579408B2 - Overseas remittance system - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
  The present invention provides an overseas remittance system.ToRelated.
[0002]
[Prior art]
  Traditionally, remittances across borders are generally performed using overseas remittance services at the handling banks. That is, an overseas network between banks is used.FIG.(A) has shown roughly an example of the overseas remittance by a bank network. It is the case by telegraph, but approximatelyFIG.(1) to (4).
[0003]
  ・FIG.Process flow (1) to (4)
  (1) The remittance person performs the remittance procedure at the remittance reception desk of A bank in his country For example, at the same time as depositing cash into bank A, necessary remittance information such as recipient specific information (account number of the recipient who is the remittance recipient), remittance amount, remittance information, etc. is presented. The sender also pays a fee for the remittance.
[0004]
  (2) Next, Bank A performs remittance processing as appropriate, and then transmits remittance data including remittance information to the foreign bank B that is the receiving bank. Usually, an appropriate information communication network is used for transmission. At this point, only information is transmitted and no money is actually transferred. If bank A and bank B are in a partnership, remittance data can be transmitted directly, but if there is no partnership, banks C, D,. . The remittance data is transmitted through a plurality of banks such as E bank. There is a fee for data transmission between the above banks. On the other hand, the bank B is provided with a payee's account in advance. When the bank B receives the remittance data, the bank B performs a deposit process on the payee's account based on the remittance information.
[0005]
  (3) The beneficiary can recognize that the remittance has been made to the bank B's own account by contacting or referring to the sender or the bank B, and can withdraw cash from the account.
[0006]
  (4) At a later date, settlement processing is performed to transfer a monetary value corresponding to the amount of money transferred from Bank A to Bank B, but the specific means are extremely diverse, including the presence or absence of actual cash transfers. Generally, settlement processing is not performed for each individual transaction, and it will rarely be accompanied by cash transfer. Hereinafter, the settlement processing between banks in the description in this specification is the same, and is not limited to a specific means.
[0007]
  As another example of a conventional overseas remittance system,FIG.There may be a check schematically shown in (B).FIG.The procedure (B) is roughly as follows (1) to (3).
[0008]
  ・FIG.Process flow (B) (1)-(3)
  (1) A remittance with an account at Bank A mails the checked check to a recipient located abroad.
[0009]
  (2) The beneficiary goes to Bank B, which can handle the check, and cash the check.
[0010]
  (3) At a later date, settlement processing is performed in which the monetary value corresponding to the amount indicated on the check is transferred from Bank A to Bank B.
[0011]
[Problems to be solved by the invention]
  The conventional overseas remittance system has a high remittance fee when using an overseas network between banks, and the average is 4,500 to 6,000 yen per case regardless of the remittance amount. The number of days required from receipt of money transfer to depositing to an overseas designated account is indeterminate depending on the situation at that time. In particular, when there are a plurality of banks as described above, it may take more than a week. Also, it is extremely inconvenient for the remittance person that the remittance reception window is very limited. At present, it can only be accepted at the overseas remittance bank and in the head office class. In addition, the usage hours are limited due to the short business hours of banks. Therefore, the present situation is that the remittance cannot always remit money overseas anytime and anywhere. In addition, the payee usually needs to have an account at the receiving bank. Therefore, it cannot be used for remittance to a person who stays abroad temporarily during overseas travel.
[0012]
  Also, if you use check mail, the fee is high and it will take days because of mail.
[0013]
  Thus, the conventional overseas remittance system is not a system that is easy to use for both the sender and the recipient. In addition, the current situation brings about the negative effect of an underground bank with low fees and short remittance days, and is also a hotbed for money laundering.
[0014]
  An object of this invention is to provide the novel system which can perform overseas remittance simply and at low cost in view of the present problem. Specifically, it is a reliable system with low commissions, short remittance days. Further, a system is provided in which both the sender and the recipient can perform the procedure of sending or receiving money without any time and place restrictions. In addition, overseas remittance systems that allow remittance even when both the sender and / or the recipient do not have a bank account.Theprovide.
[0015]
[Means for Solving the Problems]
  In order to achieve the above object, the present invention provides an overseas remittance system for performing remittance from a remittance country to a receiving country.ToIn the meantime, configurations of the following embodiments are provided.
[0016]
(1) The first embodiment of the overseas remittance system of the present invention is an overseas remittance system that executes remittance from a remittance country to a receiving country.
  A remittance data processing device installed in the remittance country, and a receiving data processing device installed in the receiving country;
  The recipient data processing device is for each recipient and sender.Recipient's card number and sender's card numberPre-issue cards with two associated card numbers respectivelyAnd these two associated card numbers are stored in the database as card issue records,
  The remittance data processing device transmits remittance data including the amount of remittance deposited by the sender and the card number of the sender to the receiving data processing device using an international settlement processing network,
  The receiving side data processing device is transmitted from the remittance side data processing device.SaidRemittance dataSaidSave it in the database
  When the recipient's card number is presented together with the remittance request from the recipient, the recipient data processing device refers to the database and the recipient's card number presented by the recipient Associating with the sender's card number included in the remittance dataAccording to the card issuance recordConfirmed,
  When the association between both the card numbers is confirmed, the receiving side data processing device transmits a notice for approving the receipt within the range of the remittance amount to the receiving window terminal device.
[0017]
(2) In the configuration of (1), the remittance received by the sender and the card number of the sender is received, and the remittance data including the amount of money transferred by the sender and the card number of the sender is sent to the remittance. A remittance window terminal device for transmission to the side data processing device.
[0018]
(3) In the configuration of (1), the receipt window terminal device accepts the receipt request of the remittance by the recipient and the presentation of the recipient's card number, and receives the received data including the recipient's card number. Transmit to the receiving data processor.
[0019]
(4) As a variation of the first embodiment of the overseas remittance system of the present invention, in the overseas remittance system for executing remittance from the remittance country to the receiving country,
  A remittance data processing device installed in the remittance country, and a receiving data processing device installed in the receiving country;
  The recipient data processing device is for each recipient and sender.Recipient's card number and sender's card numberPre-issue cards with two associated card numbers respectively andStoring these two associated card numbers in a database as a card issuance record, and keeping the credit card usage frame in the database,
  The remittance data processing device transmits remittance data including the amount of remittance deposited by the sender and the card number of the sender to the receiving data processing device using an international settlement processing network,
  When the remittance data is transmitted from the remittance data processing device,The receiving data processing deviceRefer to the card issuance record in the database.The recipient's card number associated with the sender's card number included in the remittance dataGet
AcquiredCorresponds to the recipient's card numberIn the databaseThe recipient's cardofUsage frameAgainstFill the remittance amount.
[0020]
(5) In the configuration of (4), the remittance received by the sender and the card number of the sender is accepted, and the remittance data including the amount of money sent by the sender and the card number of the sender is sent to the remittance. A remittance window terminal device for transmission to the side data processing device.
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[0068]
DETAILED DESCRIPTION OF THE INVENTION
  Embodiments of the present invention will be described below with reference to the drawings. Overseas remittance system of the present inventionIsIt is characterized by utilizing a payment processing network owned by an existing international credit card company. First,FIG.The international credit card settlement business that is performed through the settlement network owned by the existing international credit card company will be briefly described with reference to FIG. Hereinafter, “the payment processing network owned by the international credit card company” is referred to as “international payment processing network”. Credit card companies that operate on a global scale have member stores in each country, and credit card members can shop by credit card settlement at those member stores. In this case, the credit settlement business is approximatelyFIG.(1) to (9).
[0069]
・FIG.Process flow (1)-(9)
  (1) A credit card member purchases merchandise at a member store.
  (2) The member store submits sales to the member store manager. The member store manager is responsible for member store acquisition, member store management (including credit check procedures), settlement (international payment processing network and member store), and the like.
  (3) The merchant manager pays the product price for the sales submission from the merchant.
  (4) The member store manager transmits the sales data to the international payment processing network. The international payment processing network plays a role of mediation between the merchant manager and the card issuer. For example, for international credit card payment operations, a system is provided between card issuers and merchant managers to facilitate the exchange of data between them, currency conversion processing and fee processing associated with international payments Also do. Further, it also mediates a credit check procedure (authorization) for checking the cardholder's sales credit limit in advance in order to perform credit sales between the member store and the card issuer.
  (5) The international payment processing network pays off with the member store manager according to the sales data.
  (6) The international payment processing network transmits billing data to the card issuer. The card issuer is responsible for credit card issuance, card information management (including credit check procedures), payment processing (between international payment processing networks and member stores), and the like.
  (7) The card issuer pays the international payment processing network according to the sales.
  (8) The card issuer makes a charge to the card member.
  (9) The card member pays for the request from the card issuer (bank withdrawal etc.).
[0070]
  Overseas remittance system of the present inventionOfOne of the features is that the international payment processing network is used for overseas remittance instead of normal credit card use. Overseas remittance system of the present inventionIsCan be used for overseas remittance between individuals and individuals, corporations and corporations, or between individuals and corporations.
[0071]
  Here, note that “the remittance process (cash transfer instead of data transfer)” in the following description does not mean that the cash received by the sender is actually delivered to the recipient. Nowadays, actual cash transfers are rather rare in settlement processing between financial institutions, and in many cases, the actual movement of cash in writing such as books or cash in electronic data records. It is a move. In particular, in the present invention, since “cash transfer” is performed between international countries, it is of course necessary to convert currency. Accordingly, the transfer of cash in the “remittance process” in this specification actually means the transfer of monetary value.
[0072]
  In each of the following embodiments, the “card” in the case where “card (or card number) issuance” is performed is not a normal credit card in any of a real card and a virtual card, and a normal bank card. not. The “card” in this case is the overseas remittance system of the present invention.ToIt is a card having a function for use. However, as a matter of course, it is arbitrary to integrate with a normal credit card or bank card to provide a multifunction card having both functions.
[0073]
  Next, figure1Refer to the overseas remittance system according to the present invention.OfAn embodiment will be described.
FIG. 1 shows an overseas remittance system according to the present invention.OfIt is a schematic structure figure showing an embodiment. In the figure, S1 to S8 show the flow of main processing steps. First, main components and their functions will be described. There is a remittance processing institution 21 in the remittance country where the remittance 29 performs the procedure of sending cash, and in the receiving country where the payee 39 receives the sent cash (or equivalent monetary value). There is a receiving processing institution 31.
[0074]
  The remittance processing organization 21 is an overseas remittance system of the present invention.ToIt is a concept that comprehensively shows companies and organizations involved in the function as the remittance side and devices and systems (including hardware and software) installed in or between them.
[0075]
  The remittance reception company 22 serves as a data processing center of the remittance processing organization 21, and a remittance data processing device 23, which is an appropriate computer, is installed in the remittance reception company 22. In addition, a database 24, which is a general storage device for storing related data as needed, is also installed in conjunction with the remittance data processing device 23. The remittance-side data processing device 23 and the database 24 schematically show hardware devices for executing the functions of the present invention, and various configurations based on known technologies can be considered in the actual system configuration. .
[0076]
  Examples of the remittance reception company 22 include international credit card companies, card issuers, member store managers, and the like in this field. The system of the present inventionToThere may be cases where a single operator is responsible for multiple functions. The same applies to the aforementioned “international credit card company” and “remittance receiving company” described later.
[0077]
  Each of the plurality of remittance windows 25 is a window for a remittance person who intends to remit money overseas to perform a remittance procedure. Each remittance window 25 is provided with an information terminal device 26 capable of transmitting information with the remittance accepting company 22. That is, the substance of the remittance window 25 is the information terminal device 26, which is an appropriate computer. The information terminal device 26 performs a deposit process on the cash deposited by the sender, and inputs information necessary for the remittance presented by the sender as data. Information transmission by telephone, FAX, or document other than the information terminal device 26 is also included in the embodiment of the present invention.
[0078]
  Examples of the remittance window 25 include a sales window or ATM (automatic cash transaction apparatus) located at the head office or sales office of the remittance reception company 22, a sales window or ATM of an affiliated organization (bank, etc.) of the remittance reception company 22 Shall be included. The bank sales counter here is a general sales counter rather than a traditional overseas remittance window. Also, the ATM installation location includes not only financial institutions such as banks but also convenience stores. As a result, a considerable number of remittance windows are secured, and the convenience for the remittance is greatly improved. Furthermore, a form of remittance counter 25 includes a remittance procedure by so-called net banking, in which a transfer procedure is performed to a predetermined account designated by the remittance reception company 22 via the Internet and necessary information is also input.
[0079]
  On the other hand, the receiving processing institution 31 is the overseas remittance system of the present invention.ToIt is a concept that comprehensively shows companies and organizations involved in the function as the receiving side, and devices and systems (including hardware and software) installed in or between them.
[0080]
  The remittance receiving company 32 serves as a data processing center of the receiving side processing institution 31, and the receiving side data processing device 51, which is an appropriate computer, is installed in the remittance receiving company 32.BookIn the embodiment, since the remittance receiving company 32 issues a card, the receiving side data processing device 51 has a card issuing function in addition to the card settlement related data processing function. In addition, a database 34, which is a general storage device that stores related data as necessary, is also installed. Note that the receiving side data processing device 51 and the database 34 schematically show a hardware device for executing the functions of the present invention in order to simplify the drawing, and the actual system configuration is based on known technology. Various configurations are possible. For example, devices that are responsible for issuing cards and other processes are actually provided separately.
[0081]
  Each of the plurality of receipt windows 35 is a window for a recipient who wishes to receive overseas remittance to perform a receipt procedure. Each receiving window 35 is provided with an information terminal device 36 capable of transmitting information with the remittance receiving company 32. That is, the substance of the reception window 35 is the information terminal device 36, which is an appropriate computer. The information terminal device 36 inputs information necessary for receipt presented by the recipient as data. In addition, data for accepting payment of cash or the like to the recipient is received. In addition, cash withdrawal processing is also performed. Information transmission by telephone, FAX, or document other than the information terminal device 36 is also included in the embodiment of the present invention.
[0082]
  Examples of the receipt window 35 include a sales window or ATM located at the head office or branch of the remittance receiving company 32, a sales window or ATM of a partner organization of the remittance receiving company 32, and a sales window of the remittance accepting company 22 existing in that country. Or the ATM, the sales counter of the partner organization of the remittance reception company 22, or ATM, etc. are included. As a result, a considerable number of reception windows are secured, which greatly improves convenience for the recipient. Further, a case where remittance is received via the Internet in a form other than cash, such as electronic money, is also included in one form of the reception window 35.
[0083]
  The international data exchange between the remittance accepting company 22 and the remittance accepting company 32 is processed in the same manner as the data exchange of other ordinary credit card business by the international settlement processing network 11 described above. That is, the means used for the conventional credit card business processing about sales data processing, international settlement processing, etc. are shared.
[0084]
  Shown in Figure 1TheThe embodiment is executed in accordance with the flow of steps 1 to 9 indicated by S1 to S9 in the drawing.
・BookProcess flow of the embodiment
  Step 1:BookIn the embodiment, the sender 29 and the receiver 39 receive the cards 42 and 44 from the money receiving company 32 in the receiving country prior to the actual money transfer procedure. In this case, the remittance receiving company 32 has at least a function as a card issuer. The receiving side data processing device 51 installed in the remittance receiving company 32 executes processing such as card issuance and card management. The cards 42 and 44 may be real cards with physical entities or virtual cards without physical entities. Cards 42 and 44 are assigned card numbers associated with each other. In one embodiment, the same number may be used. The receiving side data processing device 51 stores the card issue record including these card numbers and their association in the database 34. Further, when the cards 42 and 44 are physical entities, the assigned card numbers are recorded on the cards. Preferably, it is recorded in a computer-readable manner by a magnetic or optical method. In the case of a virtual card without a physical entity, the sender 29 and the receiver 39 only recognize the card number assigned to them. Further, although referred to as a “card number” for convenience, it is not limited to numbers as long as it is an identification mark unique to the cardholder, and includes letters, symbols, and the like.
[0085]
BookAs an aspect in which the embodiment is used, for example, a person who came to work from the recipient country to the remittance country (remitter) may send money to a family or the like (recipient) in the recipient country. is assumed. In this case, the remittance is requested to issue the cards 42 and 44 from the remittance receiving company 32 in the receiving country before coming to the remitting country. Then, after coming to the country of remittance, the sender 29 uses the issued card (or card number) 44 to remit money to the recipient 39 in the country of the recipient. The recipient 39 in the recipient country will receive the remittance using the other card (or card number) 42.
[0086]
When the branch of the remittance receiving company 32 in the recipient country is located in the country of the remittance, the card can be issued by the branch in the country of the sender. In that case, in the above example, a person who came to work from the receiving country to the sending country can have the card issued in the sending country.
[0087]
Step 2: The remittance person 29 holding the card 44 goes to the remittance window 25 in the country of remittance and performs the remittance procedure. Specifically, the card 44 is presented and cash to be transferred is deposited. Hereinafter, “presenting a card” includes “presenting a card number in the case of a virtual card”. In addition, the payment at this time includes a fee for using this system, but it is not related to the essence of the present invention, so it will be ignored in the following explanation.Ru.
[0088]
The information necessary for at least overseas remittance is information for designating a recipient and the amount of remittance, that is, the amount of deposit. Therefore, the sender needs to indicate the card 42 owned by the recipient, but in this example, both card numbers are associated in advance, so if the sender's card number is presented, it will be automatically received. A person is specified. With regard to the personal information of the sender and the recipient, if any card number is presented, it is possible to make an inquiry to the remittance receiving company 32 as the issuer.
[0089]
  Subsequently, remittance data including the card number and the deposit amount is transmitted from the remittance window 25 to the remittance accepting company 22. As described above, the case where information is transmitted between the remittance window 25 and the remittance accepting company 22 by telephone, FAX or document other than the information terminal device 26 is also included in the embodiment of the present invention. Although the processing of the received cash is not shown in the figure, it is put under the management through an appropriate deposit process by the remittance accepting company 22, and the payment process is performed with the remittance receiving company 32 in a later step. Stored until
[0090]
  Step 3: The remittance accepting company 22 that has received the remittance data from the remittance window 25 appropriately performs data processing for transmitting the remittance data, and stores information to be stored in the database 24.
[0091]
  Step 4: The remittance accepting company 22 transmits remittance data to the remittance receiving company 32. This remittance data transmission is executed by the international settlement processing network 11 as described above, and accompanying processes such as currency conversion and exchange-related fees are also executed. It should be noted that these attached processes may cause fluctuations in the amount of money actually deposited, but these fluctuations are not related to the essence of the present invention and will be ignored in the following description.Ru. Therefore, the essential contents of the remittance data (card number and deposit amount) are basically transmitted as they are.
[0092]
  Step 5: When receiving the remittance data, the remittance receiving company 32 performs an appropriate data reception process and stores the remittance data in the database 34.
[0093]
  Step 6: On the other hand, the recipient 39 is notified that the remittance has been made. Specifically, there are various methods. For example, the contact is made by notification from the remittance reception company 22, the remittance reception company 32, or the remittance person 29. Any means such as mail, telephone, and e-mail may be used.
[0094]
  Step 7: Recipient 39, who has recognized that there was a remittance, performs a receiving procedure. As an example of the receiving procedure, the payee 39 goes to the receiving window 35 and presents the card 42 held to make a receiving request. Then, received data for requesting verification of the card 42 presented by the recipient 39 is transmitted from the information terminal device 36 of the receiving window 35 to the remittance receiving company 32. In response to the verification request regarding the card 42, the receiving side data processing device 51 retrieves the remittance data stored in the database 34, and the card number of the sender's card 44 included in the remittance data and the recipient's data included in the received data. The card number of the card 42 is checked. The association between the cards 42 and 44 necessary for this verification is stored in the database 34. As a result of the collation, if the association between the two cards is confirmed, the remittance receiving company 32 transmits a notice for approving payment of cash corresponding to the remittance amount to the receiving window 35.
[0095]
  In addition to the network transmission between the receiving window 35 and the remittance receiving company 32, the embodiment of the present invention also includes a case where information is transmitted between the receiving window 35 and the remittance receiving company 32 by telephone, FAX or document. Shall be included.
[0096]
  Step 8: Cash corresponding to the above deposit amount is paid to the recipient 39 at the receipt window 35. At this step, the remittance procedure between the sender 29 and the receiver 39 is completed.
[0097]
  Thus, the overseas remittance system of the present inventionInThe actual remittance process is completed based on the partnership between the remittance processing institution 21 and the remittance processing institution 31 (in this example, the remittance accepting company 22 and the remittance receiving company 32), that is, mutual trust. Regardless of whether or not the payment was made, the payment of the cash to the payee is approved only by transmitting the remittance data..Thereby, in this invention, quick remittance is implement | achieved.
[0098]
  Step 9: Based on the remittance data used in Step 4 above, remittance is performed from the remittance accepting company 22 to the remittance receiving company 32 via the international settlement processing network 11. The remittance process in step 9 may be executed regardless of the time of receipt of remittance in steps 7 and 8.
[0099]
  Step 9FIG.This is the same as the processing executed by the international payment processing network described in. Therefore, for the international payment processing network, the overseas remittance system of the present invention is used.ToEven if the payment process occurs more frequently, the procedure is the same even if it is a payment process generated by using a normal credit card, so these can be executed together, thereby reducing costs. it can.
[0100]
  still,BookThe embodiment can have several variations.
・BookVariation of the embodiment (1)
  With respect to the method of receiving the remittance, the recipient can receive it in the form of an available amount frame (usage frame) of the card 42 in addition to receiving it in cash. In other words, a prepaid frame corresponding to the remittance amount is provided for the card 42. In this case, after the remittance receiving company 32 receives the remittance data, the payee is identified based on the card number included in the remittance data, and the monetary value corresponding to the remittance amount for the card 42 held by the payee. The process of filling is executed. Note that the processing relating to the card is executed by the receiving side data processing device 51. The payee can then shop within this usage frame, or can convert the usage frame to cash.
[0101]
  The data relating to the card 42 is stored in the database 34 of the remittance receiving company 32 that is the card issuer, and the filling of the use frame corresponding to the remittance amount and the subsequent use history are also recorded and stored. Management on such a card is performed by the receiving side data processing device 51.
[0102]
  As a further modification of this variation, when the recipient's card 42 is an IC card that can be filled with so-called electronic money, it is also possible to receive remittance in the form of filling the IC card with electronic money corresponding to the remittance amount. It is.
[0103]
  Further, in the case of remittance receipt by filling the card usage frame, it is possible even if the recipient's card 42 is not a physical entity IC card. For example, when the recipient performs so-called electronic shopping via the Internet, the recipient can perform shopping or the like within the usage frame by inputting the card number of the virtual card.
[0104]
  Furthermore, it is also possible to receive electronic money corresponding to the remittance amount in an electronic wallet (a virtual wallet made up of software used for electronic payment). The electronic wallet for filling the remittance is designated in advance or at the time of receipt.
[0105]
  In this way, there are various ways of receiving remittance by the recipient other than cash.Ru.
[0106]
・BookVariation of the embodiment (2)
  In this example, the receiving side data processing device 51 of the remittance receiving company 32 issues a card in advance only to the recipient. The sender only needs to know the card number of the recipient card, and in principle, it is not necessary to issue a card to the sender. Therefore, at the time of card issuance, the sender is not necessarily specified. The sender who performs the remittance procedure presents the card number of the recipient card and deposits the money.
[0107]
  The remittance receiving company 32 checks the payee card number included in the remittance data against the payee card number presented by the payee, and approves the payment of cash to the payee. Processing related to the card is mainly executed by the receiving side data processing device 51. In this case as well, the recipient can receive the remittance in a form other than the cash described in the variation (1), such as filling the card usage frame.
[0108]
  In variation (2), a sender card is not required in principle, but it is common sense to show the sender's information (address, name, etc.) in general during the transfer procedure. Since there is a card in which information for identifying a person is recorded, it is convenient for the remittance procedure, so the card may be issued to the remittance person. Similarly, other variationsToEven if it is basically unnecessary for either the sender or the recipient to issue the card, it is optional to issue the card for the reason of the convenience of the remittance procedure or the receipt procedure.
[0109]
・BookVariation of the embodiment (3)
  In this example, the receiving side data processing device 51 of the remittance receiving company 32 issues cards to a plurality of recipients in advance. Each card number is different. The sender only needs to recognize each card number of the plurality of recipient cards, and in principle it is not necessary to issue a card to the sender. The remittance designates one or a plurality of recipients to receive the remittance among the plurality of recipients, designates the remittance amount to be received by each designated recipient, and deposits the total amount thereof.
[0110]
  The remittance receiving company 32 checks the payee card number presented by the payee who is going to receive the remittance with one or more payee card numbers included in the remittance data. If there is a matching card number, it approves the payment of the specified amount of cash to be received by the recipient holding the matching card number. Processing related to the card is mainly executed by the receiving side data processing device 51.
[0111]
  In this case as well, each recipient can receive remittance in a form other than cash as described in variation (1), such as filling the card usage frame. In that case, when the remittance receiving company 32 receives the remittance data, it identifies each payee based on one or more payee card numbers included in the remittance data, and assigns to each card held by each payee. On the other hand, a process of filling a monetary value corresponding to the designated remittance amount is executed. Processing related to the card is mainly executed by the receiving side data processing device 51.
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[0142]
【The invention's effect】
  Overseas remittance system according to the present invention described aboveIsWhether the actual remittance processing has been completed based on the partnership between the remittance processing institution and the receiving processing institution (in this example, the remittance receiving company and remittance receiving company), that is, based on mutual trust. Regardless, payment of cash to the recipient is approved only by data transmission such as remittance data. In addition, the present inventionIsSince the payment processing network owned by the international credit card company is used for data transmission and payment processing between the remittance side and the receiving side, it should be performed together with the normal business processing in these networks. Can do. By these, low-cost and quick overseas remittance processing is realized.
[0143]
  The present inventionTheIf used, even if both the recipient and / or remittance do not have a bank account, they can remit money overseas. In any embodiment, after the remittance procedure, the recipient can receive the remittance only by data transmission based on the remittance procedure regardless of the actual remittance process, and the time required for remittance is short and constant. In any of the embodiments, a large number of remittance windows and receivable windows are secured, including a remittance reception company, a remittance receiving company, and reception windows and ATMs of these partners (including various financial institutions). Therefore, the place and time selectivity available for the user is widened, and convenience is improved.
[0144]
  Furthermore, a system executed between the remittance accepting company and the remittance receiving company.InBecause it is highly reliable, users can use it with peace of mind. Overseas remittance system according to the present inventionOfIf the use becomes widespread, the underground bank will be overcome, contributing to the maintenance and development of sound economic activities.
[Brief description of the drawings]
FIG. 1 shows the present invention.The fruitIt is a schematic block diagram including the flow which shows embodiment.
[Fig. 2] (A) is an overseas remittance system by telegraph using a conventional interbank network.OfIt is a schematic block diagram which shows an outline | summary. (B) shows a conventional overseas remittance system using check mail.OfIt is a schematic block diagram which shows an outline | summary.
FIG. 3 is a diagram schematically showing a flow of an international credit card settlement business performed through a settlement processing network owned by an existing international credit card company.
[Explanation of symbols]
11 International payment processing network
21 Remittance processing organization
22 Remittance reception company
23 Remittance data processing device
24 Database (Remittance side)
25 Remittance window
26 Information terminal equipment
29 Sender
31 Receiving processor
32 Remittance receiving company
33 Receiving side data processing device
34 Database (receiving side)
35 Reception desk
36 Information terminal equipment
37 Virtual Merchant Account
39 Payee
42, 44, 46 cards

Claims (5)

In an overseas remittance system that performs remittances from the sending country to the receiving country,
A remittance data processing device installed in the remittance country, and a receiving data processing device installed in the receiving country;
The recipient data processing device previously issued a card to which each of the recipient and the sender is assigned a card number of the recipient and two associated card numbers, which are the sender's card numbers, respectively . Store the associated card number in the database as a card issue record,
The remittance data processing device transmits remittance data including the amount of remittance deposited by the sender and the card number of the sender to the receiving data processing device using an international settlement processing network,
Save the remittance data transmitted the receiving side data processing device from the remittance side data processor in the database,
The receipt presented by the recipient with reference to the card issuance record in the database when the recipient's card number is presented together with a request for remittance from the recipient. Check the association between the person's card number and the sender's card number included in the transfer data,
When the association between both the card numbers is confirmed, the receiving side data processing device transmits a notice for approving the receipt within the range of the remittance amount to the receiving window terminal device. Remittance system.  Remittance window terminal device that accepts payment by the sender and the card number of the sender and transmits the remittance data including the amount of money transferred by the sender and the card number of the sender to the remittance data processing device The overseas remittance system according to claim 1, comprising:  The receipt window terminal device accepts the receipt request of the remittance by the recipient and the presentation of the recipient's card number, and transmits received data including the recipient's card number to the recipient data processing device. The overseas remittance system according to claim 1, wherein the system is an overseas remittance system. In an overseas remittance system that performs remittances from the sending country to the receiving country,
A remittance data processing device installed in the remittance country, and a receiving data processing device installed in the receiving country;
The recipient data processing device previously issued a card to which each of the recipient and the sender is assigned a card number of the recipient and two associated card numbers, which are the sender's card numbers, respectively . Storing the associated card number in the database as a card issuance record, and storing the credit card usage frame in the database;
The remittance data processing device transmits remittance data including the amount of remittance deposited by the sender and the card number of the sender to the receiving data processing device using an international settlement processing network,
When the remittance data is transmitted from the remittance data processing device, the receiving data processing device refers to the card issuance record in the database and associates it with the card number of the remitter included in the remittance data. Obtain the card number of the recipient
Overseas remittance system, characterized in that the corresponding to the recipient of the card number obtained, filled by the amount of the remittance to the end-user frame of the recipient of the card in the database.  Remittance window terminal device that accepts payment by the sender and the card number of the sender and transmits the remittance data including the amount of money transferred by the sender and the card number of the sender to the remittance data processing device The overseas remittance system according to claim 4, wherein:

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