JP4852200B2 - Remittance system, program, and remittance method - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention, remittance system for the remittance of such trading value generated by transactions such as online auction and online shopping, related to the program and remittance method.
[0002]
[Prior art]
Articles and services are frequently traded on the Internet (communication lines, the Internet, etc.) such as online auctions and online shopping. In particular, transactions between individuals and between individuals and small-scale retail stores have increased, and remittance of such trading value is mainly done using bank transfers, credit cards, electronic money, etc. .
[0003]
[Problems to be solved by the invention]
The above-described conventional method of transferring the transaction value has the following problems. In other words, the side of the remittance has to be troublesome because bank transfer must be performed every time it is necessary to remit the trading value. In addition, credit cards and electronic money have a problem of high introduction costs on the side of receiving money. On the other hand, the user's ID and password may be stolen and unauthorized remittance not based on the transaction may be performed.
[0004]
The present invention simplifies the transfer of trading, and money transfer system that can be done safely, it is an object to provide a program and a transfer method.
[0005]
[Means for Solving the Problems]
In order to solve the above problems and achieve the object, the remittance system , program, and remittance method of the present invention are configured as follows.
[0014]
(1) A user database, a transaction database, an auction server, a first bank server, a second bank server, and a processing server, and based on a transaction between a buyer user and a seller user performed through an intermediary, In a remittance system for transferring trading value from a trading account to the seller user's trading account, the user database stores user data including at least names, addresses, and user IDs of the buyer user and the seller user, and the auction server. Has an auction execution means for accepting exhibition information obtained from the seller user and the buyer user as a successful bidder, and the transaction database includes at least a user ID, a transaction account ID, storing transaction data based on the results of the above Symbol auction execution means The processing server, the buyer user or transfer instruction acquiring means for acquiring the transfer command including a User chromatography The ID及Vito pull data from at least one of the seller user, matching the remittance command and the above transaction database matching means, the result of the collation by the collating means, the user ID and transaction data included in the transfer directive, results der Ruyu over tHE ID及Vito above Symbol auction execution unit stored in the transaction database Extraction means for extracting the transaction account ID from the transaction database when the discount data matches, the buyer user's transaction account established in the first bank server based on the transaction account ID extracted by the extraction means To the first transaction account of the intermediary of the same bank as the bank having the transaction account of the buyer user, which is established in the first bank server A second bank server is instructed to the first bank server from the second bank account of the broker that is opened in the second bank server of the second bank different from the first bank, while instructing the first bank server to transfer the transaction value. A transfer instruction means for instructing the second bank server to make a transfer processing request for the trading value to the seller user's transaction account of the same bank as the bank having the second transaction account of the broker , the first bank server is more to the transfer processing request, have the means to carry out the transfer process of the buying and selling price from the trading account of the buyer user to the first trading account of the broker, the second bank server is the above transfer processing request, characterized in that it comprises means for performing a transfer process of the upper Symbol broker second transaction the turnover to the transaction account of the seller user from the account of.
(2) In a program for operating a computer including a user database, a transaction database, an auction server, a first bank server, a second bank server, and a processing server, the user database includes at least names of the buyer user and the seller user. , Storing user data including an address and a user ID, the auction server includes acceptance of exhibition information obtained from the seller user, and auction execution means with the buyer user as a successful bidder, and the transaction database includes at least user ID that identifies the buyer user and seller user, transaction account ID, and stores the transaction data based on the results of the above Symbol auction execution unit, the buyer user or the seller Yu over from at least one of the user the ID及beauty to get the remittance instruction including the argument data collected Gold instruction acquiring unit, and collating means for collating the said transfer command and the transaction database, the result of the collation by the collating means, the user ID and transaction data included in the transfer directive, stored in the transaction database If the result der Ruyu over tHE ID及Vito pull data on Symbol auction execution unit match, extracting means for extracting a transaction account ID from the transaction database, said transaction account ID extracted by the extraction means From the buyer user's transaction account opened in the first bank server based on the above, to the transaction account of the broker of the same bank as the bank having the buyer user's transaction account opened in the first bank server The first bank server is instructed to transfer the trading value transfer processing request, and is set to a second bank different from the first bank in which the first bank server is set. From the transaction account of the broker established in the second bank server to the transaction account of the seller user in the same bank as the bank having the second transaction account of the broker established in the second bank server and a transfer instruction means for instructing the transfer processing request of the buying and selling price in the second bank server, the first bank server is more to the transfer processing request, the first transaction of the brokers from trading account of the buyer user have the means to carry out the transfer process of the purchase price to the account, the second bank server, said by the transfer processing request, transfer of top Symbol brokers second the buying and selling price from the trading account to the trading account of the seller user of It has the means to perform a process, It is characterized by the above-mentioned.
(3) The transaction of the buyer user based on the transaction between the buyer user and the seller user using the user database, the transaction database, the auction server, the first bank server, the second bank server, and the processing server, and through the broker. User database storage for storing user data including at least names, addresses, and user IDs of the buyer user and the seller user by the user database in a computer-based remittance method for transferring trading value from the account to the seller user's trading account Receiving the exhibition information obtained from the seller user by the auction server, an auction execution step with the buyer user as a successful bidder, and a user ID for identifying at least the buyer user and the seller user by the transaction database, Trading account D, a transaction database storing step of storing a transaction database containing the transaction data based on the results of the above Symbol auction execution step, by the processing server, the buyer user or the seller User chromatography The ID及beauty from at least one of the user a remittance command obtaining step of obtaining transfer instruction including a pull data collected by the processing server, a matching step for matching the above transfer instruction and the transaction database, by the processing server, the result of the collation by the collating step, the If the user ID and transaction data included in the transfer directive, which results der Ruyu over tHE ID及Vito pull data on Symbol auction execution steps stored in the transaction database matches the transaction from the transaction database The extraction step of extracting the account ID and the processing server Based on the transaction account ID extracted in the outgoing step, the bank having the buyer user's transaction account established in the first bank server from the buyer user's transaction account established in the first bank server The first bank server is instructed to transfer the trading value to the transaction account of the broker of the same bank, and is set to a second bank different from the first bank in which the first bank server is set. From the transaction account of the broker established in the second bank server to the transaction account of the seller user in the same bank as the bank having the second transaction account of the broker established in the second bank server and a transfer instruction step for instructing the transfer processing request of the trading in the second bank server, the first bank server, by the transfer processing request, the broker from the top Symbol buyer user trading account The first performs a transfer process of the buying and selling price to the trading account, the second bank server, said by the transfer processing request, transfer of top Symbol brokers second the buying and selling price from the trading account to the trading account of the seller user of It is characterized by performing processing.
[0015]
DETAILED DESCRIPTION OF THE INVENTION
FIG. 1 is a diagram showing an outline of a remittance system 10 according to the first embodiment of the present invention, FIG. 2 is an explanatory diagram showing a processing procedure of the remittance system 10, and FIG. 3 is a diagram showing an outline of a transfer instruction. The remittance system 10 includes a communication line 20 such as the Internet or a telephone line, and user terminals 30 and 31, bank servers 40 and 41, and a main server 50 connected to the communication line 20.
[0016]
User terminals 30 and 31 are terminals such as personal computers and mobile phones used by users. The bank servers 40 and 41 are set in the bank where the user's bank account is opened. Further, the main server 50 is opened by an intermediary that holds an auction.
[0017]
The main server 50 includes a processing server 60 that performs remittance processing, a user database storage unit 70 that stores a user database D1, a transaction database storage unit 80 that stores a transaction database D2 in which information such as remittance is recorded, an auction And a server 90.
[0018]
The processing server 60 has a function of processing data according to a predetermined program as will be described later. In the user database D1, a user ID, a user name, an address, a telephone number, a password, an age, a gender, an e-mail address, an auction history (exhibition history / successful bid history), and the like are recorded. Used for.
[0019]
In the transaction database D2, a user ID, a password for security, a transaction record, a contact record, an account ID (transaction account ID), an account balance management, and the like are recorded, and are used for remittance of trading value generated in the transaction.
[0020]
The auction server 90 has a function of executing an auction between users. When a transaction is established by an auction held based on the user database D1, the contents are transmitted to the transaction database storage unit 80 described above, and the transaction Database D2 is updated.
[0021]
In the remittance system 10 configured as described above, the transaction money is repatriated as follows. The user terminal 30 is used by the user A, and the user terminal 31 is used by the user B. The bank K that operates the bank server 40 has the account K1 of the user A, and the bank Y that operates the bank server 41 has the user B. The account K2 is established. In addition, it is assumed that the user A and the user B have been registered in the user database D1 and the transaction database D2 in advance, and user IDs and passwords used for auction and remittance are set.
[0022]
First, at the auction server 90, a transaction in which the user B (seller user) submits and the user A (buyer user) makes a successful bid is performed. The transaction database D2 is updated based on the result of this transaction.
[0023]
User A uses the user terminal 30 to access the remittance request site provided by the processing server 60, authenticates that the access is from the user A by inputting a user ID, password, etc., and then processes the remittance request. I do. Thereby, remittance request data including the personal IDs and remittance amounts of user A and user B are sent to the processing server 60.
[0024]
The processing server 60 inquires of the transaction database storage unit 80 whether or not the remittance from the user A to the user B is valid based on the remittance request data. As a result, unauthorized remittance unrelated to the auction transaction can be prevented.
[0025]
As a result of the inquiry, if it is determined that the remittance request is valid, the processing server 60 determines whether or not to accept remittance of the purchase / purchase price from the user A based on the remittance request data. Send inquiries email. If the remittance request is not valid, the user A is notified to that effect and the process is terminated.
[0026]
User B uses the user terminal 31 to access a remittance reception site provided by the processing server 60 based on the received e-mail. Here, after authenticating that the access is from the user B by inputting a user ID, a password, etc., the user B performs a reception permission process. As a result, the receipt permission data is sent to the processing server 60. If user B performs a non-receivable process, unacceptable data is sent to the processing server 60, and the processing server 60 notifies the user A to that effect and ends the process.
[0027]
Next, the processing server 60 accesses the transaction database D2 and acquires remittance data at the time when the reception permission data is acquired. The remittance data includes the transaction account IDs of user A and user B, and the remittance amount.
[0028]
The processing server 60 transmits transfer request data to the bank server 40 of the X bank based on the remittance data. In the X bank, transfer from the account K1 to the account K2 is executed.
[0029]
According to the present remittance system 10, it is possible to easily and safely remit the trading value.
[0030]
Next, a modified example of the remittance system 10 will be described. In the example described above, the transaction accounts held by the user A and the user B are different accounts opened in different banks, but are not limited thereto. That is, as shown in FIG. 4A, an account K3 of the X bank may be opened at the Y bank, and the trading value may be transferred from the account K3 to the account K2.
[0031]
Also, as shown in FIG. 4B, an intermediary account K4 is opened at the X bank, an intermediary account K5 is opened at the Y bank, the account K1 is transferred to the account K4, and the account K5 is transferred to the account K2. Anyway.
[0032]
Further, as shown in FIG. 5A, an account K1 and an account K2 may be established in the same bank in advance and transferred from the account K1 to the account K2.
[0033]
Furthermore, as shown in FIG. 5B, the transfer may be executed by updating the account balance management in the transaction database D2.
[0034]
FIG. 6 is an explanatory diagram showing a processing procedure in the case of requesting remittance from the user B (seller) to the user A (buyer) in the remittance system 10 described above. First, at the auction server 90, a transaction in which the user B (seller user) submits and the user A (buyer user) makes a successful bid is performed. The transaction database D2 is updated based on the result of this transaction.
[0035]
User B uses the user terminal 31 to access the remittance request site provided by the processing server 60, authenticates that the access is from the user B himself by inputting a user ID, password, etc., and then processes the remittance request. I do. Thereby, remittance request data including the personal IDs and remittance amounts of user A and user B are sent to the processing server 60.
[0036]
The processing server 60 queries the remittance transaction database storage unit 80 as to whether or not the remittance request from the user B to the user A is valid based on the remittance request data. As a result, an illegal remittance request unrelated to the auction transaction can be prevented.
[0037]
As a result of the inquiry, if it is determined that the remittance request is valid, whether or not the processing server 60 permits the user A to request the remittance of the trading value from the user B based on the remittance request data. Send an email to inquire about. If the remittance request is not valid, the user B is notified of this and the process is terminated.
[0038]
The user A uses the user terminal 30 to access a remittance execution site provided by the processing server 60 based on the received electronic mail. Here, after authenticating that the access is from the user A by inputting a user ID, a password, etc., the user A performs a remittance execution process. As a result, remittance execution data is sent to the processing server 60. When the user A performs remittance refusal processing, remittance refusal data is sent to the processing server 60, which notifies the user B to that effect and ends the processing.
[0039]
Next, in the processing server 60, when the remittance execution data is acquired, the transaction database D2 is accessed and the remittance data is acquired. The remittance data includes the transaction account IDs of user A and user B, and the remittance amount.
[0040]
The processing server 60 transmits transfer request data to the bank server 40 of the X bank based on the remittance data. In the X bank, transfer from the account K1 to the account K2 is executed.
[0041]
Next, a remittance system 10A according to the second embodiment of the present invention will be described. In the remittance system 10 described above, the remittance is based on the transaction between the seller and the buyer. However, the present remittance system 10A also supports a remittance request / remittance request that is not based on the transaction. The configuration is the same as in FIG. 1, but the use of the transaction database D2 is not essential.
[0042]
In remittance system 10A, remittance is performed from user A (first user) to user B (second user) as follows. The user terminal 30 is used by the user A, and the user terminal 31 is used by the user B. The bank K that operates the bank server 40 has the account K1 of the user A, and the bank Y that operates the bank server 41 has the user B. The account K2 is established. In addition, it is assumed that the user A and the user B have been registered in the user database D1 and the transaction database D2 in advance, and user IDs and passwords used for auction and remittance are set.
[0043]
The user database D1 stores a user ID, a user name, an address, a telephone number, a password, an age, a sex, an e-mail address, an account ID (transaction account ID), and the like.
[0044]
User A uses the user terminal 30 to access the remittance request site provided by the processing server 60, authenticates that the access is from the user A by inputting a user ID, password, etc., and then processes the remittance request. I do. Thereby, remittance request data including the personal IDs and remittance amounts of user A and user B are sent to the processing server 60.
[0045]
Next, the processing server 60 sends an e-mail to the user B inquiring whether or not to accept the remittance of the trading value from the user A. If the remittance request is not valid, the user A is notified to that effect and the process is terminated.
[0046]
User B uses the user terminal 31 to access a remittance reception site provided by the processing server 60 based on the received e-mail. Here, after authenticating that the access is from the user B by inputting a user ID, a password, etc., the user B performs a reception permission process. As a result, the receipt permission data is sent to the processing server 60. If user B performs a non-receivable process, unacceptable data is sent to the processing server 60, and the processing server 60 notifies the user A to that effect and ends the process.
[0047]
Next, the processing server 60 accesses the user database D1 and acquires remittance data at the time when the reception permission data is acquired. The remittance data includes the transaction account IDs of user A and user B, and the remittance amount.
[0048]
The processing server 60 transmits transfer request data to the bank server 40 of the X bank based on the remittance data. In the X bank, transfer from the account K1 to the account K2 is executed.
[0049]
According to the present remittance system 10A, it is possible to easily and safely transfer the trading value.
[0050]
The present invention is not limited to the above embodiment. That is, in the above-described embodiment, it is used for remittance of the purchase price of the auction, but it may be used for remittance of the price for online shopping. In this case, the online store opens the main server and owns the user terminal. In addition, when a remittance request or remittance request is made, a remittance execution date, a remittance deadline date, or the like may be set. Further, although the broker performs both the auction and the remittance processing, it may be a separate dealer. Of course, various modifications can be made without departing from the scope of the present invention.
[0051]
【The invention's effect】
According to the present invention, it is possible to easily and safely transfer trading value.
[Brief description of the drawings]
FIG. 1 is a diagram showing a configuration of a remittance system according to a first embodiment of the present invention.
FIG. 2 is an explanatory diagram showing a remittance procedure of the remittance system.
FIG. 3 is an explanatory diagram showing a remittance command of the remittance system.
FIG. 4 is an explanatory view showing a modified example of the remittance command.
FIG. 5 is an explanatory view showing another modification of the remittance command.
FIG. 6 is an explanatory diagram showing a procedure in the remittance system according to the second embodiment of the present invention.
[Explanation of symbols]
DESCRIPTION OF SYMBOLS 10 ... Remittance system 20 ... Communication line 30, 31 ... User terminal 40, 41 ... Bank server 50 ... Main server 60 ... Processing server 70 ... User database storage part 80 ... Transaction database storage part 90 ... Auction server

Claims (3)

A user database, a transaction database, an auction server, a first bank server, a second bank server, and a processing server, and based on a transaction between a buyer user and a seller user performed via an intermediary, from the transaction account of the buyer user In the remittance system that transfers the trading value to the seller user's trading account,
The user database stores user data including at least names, addresses, and user IDs of the buyer user and the seller user,
The auction server has acceptance of exhibition information obtained from the seller user, and auction execution means with the buyer user as the winning bidder,
The transaction database stores at least the buyer user and seller user ID specifying the user, transaction account ID, transaction data based on the results of the above Symbol auction execution means,
The processing server, the buyer user or transfer instruction acquiring means for acquiring the transfer command including a User chromatography The ID及Vito pull data from at least one of the seller user, matching the remittance command and the above transaction database collation means, the result of the collation by the collating means, the user ID and transaction data included in the transfer directive, results der Ruyu over tHE ID及Vito argument above Symbol auction execution unit stored in the transaction database Extraction means for extracting a transaction account ID from the transaction database when the data match, from the buyer user's transaction account established in the first bank server based on the transaction account ID extracted by the extraction means To the first transaction account of the intermediary of the same bank as the bank having the buyer user's transaction account, which is established in the first bank server The first bank server is instructed to request the transfer processing of the purchase price, and the second bank account of the broker that is opened in the second bank server of the second bank different from the first bank is sent to the second bank server. A transfer instruction means for instructing the second bank server to make a transfer processing request for the trading value to the seller user's transaction account of the same bank as the bank having the second transaction account of the broker,
The first bank server is more to the transfer processing request, have the means to carry out the transfer process of the first above-mentioned trading value to the trading account of the brokers from trading account of the buyer user,
The transfer system second bank server, which by the transfer processing request, characterized in that it comprises means for performing a transfer process of the upper Symbol broker second transaction the turnover to the transaction account of the seller user from the account of. In a program for operating a computer including a user database, a transaction database, an auction server, a first bank server, a second bank server, and a processing server,
The user database stores user data including at least names, addresses, and user IDs of the buyer user and the seller user,
The auction server has acceptance of exhibition information obtained from the seller user, and auction execution means with the buyer user as the winning bidder,
The transaction database stores at least the buyer user and seller user ID specifying the user, transaction account ID, transaction data based on the results of the above Symbol auction execution means,
A remittance command obtaining means for obtaining a transfer instruction including a User chromatography The ID及Vito pull data from at least one of the buyer user or the seller user,
Collation means for collating the remittance instruction with the transaction database;
Result of the collation by the collating means, the user ID and transaction data included in the transfer directive, results Der Ruyu over THE ID及Vito pull data on Symbol auction execution unit stored in the transaction database match Extracting means for extracting a trading account ID from the trading database,
Based on the transaction account ID extracted by the extraction means, the bank having the buyer user's transaction account opened in the first bank server from the buyer user's transaction account opened in the first bank server. The first bank server is instructed to transfer the trading value to the transaction account of the broker of the same bank, and is set to a second bank different from the first bank in which the first bank server is set. From the transaction account of the broker established in the second bank server to the transaction account of the seller user in the same bank as the bank having the second transaction account of the broker established in the second bank server A transfer instruction means for instructing the second bank server to make a transfer processing request for the trading value,
The first bank server is more to the transfer processing request, have the means to carry out the transfer process of the first above-mentioned trading value to the trading account of the brokers from trading account of the buyer user,
The second bank server, said the transfer processing request, the program characterized by having a means for the second transaction account above Symbol broker performs transfer processing of the seller user trading account to the trading value. Using the user database, the transaction database, the auction server, the first bank server, the second bank server, and the processing server, from the transaction account of the buyer user based on the transaction between the buyer user and the seller user through the broker. In the computer-based remittance method that transfers the trading value to the seller user's trading account,
User database storage step for storing user data including at least name, address, user ID of the buyer user and the seller user by the user database;
Acceptance of exhibition information obtained from the seller user by the auction server, and an auction execution step with the buyer user as the winning bidder;
By the transaction database, and at least the buyer user and seller user ID specifying the user, transaction account ID, transaction database storing step of storing a transaction database containing the transaction data based on the results of the above Symbol auction execution step,
By the processing server, a remittance command obtaining step of obtaining transfer instruction including a User chromatography The ID及Vito pull data from at least one of the buyer user or the seller user,
A collation step of collating the remittance instruction with the transaction database by the processing server;
By the processing server, said collation result of the collation in step, said user ID and transaction data transfer included in the directive, the above transaction upper Symbol auction execution steps stored in the database result Der Ruyu over THE ID及beauty If the transaction data match, an extraction step of extracting transaction account ID from the transaction database,
Based on the transaction account ID extracted in the extraction step by the processing server, the buyer user established in the first bank server from the transaction account of the buyer user established in the first bank server. The first bank server is instructed to transfer the trading value to the trading account of the broker of the same bank as the bank having the first trading account, and the first bank server is different from the first bank in which the first bank server is set. The above-mentioned bank of the same bank as the bank having the second trading account of the intermediary established on the second bank server from the trading account of the intermediary established on the second bank server set to two banks A transfer instruction step for instructing the second bank server to transfer the transaction value to the seller user's transaction account,
The first bank server is, by the above-mentioned transfer processing request, performs the transfer processing of the purchase price from the top Symbol buyer user of the trading account to the first trading account of the brokers,
The second bank server is, by the above-mentioned transfer process request, remittance method characterized in that from the second trading account of the above Symbol brokers carry out the transfer process of the seller user of the buying and selling price to the trading account.

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