JP5918995B2 - Payment processing method and bank server used for the payment processing - Google Patents

Description

  Regarding a payment processing method for processing cash payments from one user to another user and a server used for the payment processing, for example, for sellers / providers who sell products or provide services on the Internet The present invention relates to a payment processing method when a purchaser who purchases the product or service pays cash and a server used for the payment processing.

  Conventionally, payment of consideration for goods and services in an actual store has been made by cash, a credit card, a cash card with a debit card settlement function, or the like. In recent years, the sale of products and the provision of services on the Internet have become more widespread, and the payment method of credit cards, payment at convenience stores and post offices, etc. are used.

  As a specific example, when a person who purchases a product accesses a product sales site on the Internet using a PC (personal computer) and selects credit card settlement as a payment method for the purchased product, a credit card is displayed on the screen of the PC. A screen for entering the card number, expiration date, security code, etc. is displayed. When the purchaser of the product inputs information such as a card number and operates the payment button on the screen, the input information and the price of the product are transmitted to the server of the product sales site, and the product sales site The server authenticates the card information to the card company based on the input information. And if the said card information is authenticated, the price of the said goods will be paid from the said card company to the management company of the said merchandise sales site.

  In addition, a cash card with a debit card settlement function is sometimes used for settlement of product purchases on the Internet. In this case, when a person who purchases a product selects debit card payment, a screen for inputting a card number of a cash card, a personal identification number for notification, etc. is displayed on the screen of the PC. When the purchaser of the product inputs information such as a card number and operates the payment button on the screen, the input information and the price of the product are transmitted to the server of the product sales site, and the server of the product sales site Authenticates to the server of the bank that issued the cash card based on the input information. When the input information is authenticated by the server of the bank, the price is deducted from the purchaser's bank account, and the price is paid to the operating company of the merchandise sales site.

JP 2008-264529 A JP 2011-118563 A

  As described above, since it is not necessary to go to a store and payment can be made only by inputting information such as a card number, a product sales site and a service providing site on the Internet are very convenient for the user. For this reason, the number of traders who sell products and provide services on the Internet has increased further in recent years.

  However, since transmitting information such as credit card and cash card numbers via the Internet causes leakage of the information, some people do not use credit cards or cash cards because of fear of information leakage. In particular, when the card information of the cash card is misused by others, cash may be directly withdrawn from the bank account of the card owner, which may affect other withdrawals such as mortgage withdrawal. For this reason, it can be said that the handling of the card number of the cash card directly related to the bank account needs to be made more strict than the card number of the credit card.

  On the other hand, in the debit card settlement, payment is made within the range of the balance actually in the bank account. Further, the price of the product is deducted from the balance of the purchaser's bank account, and the price is paid to the operating company of the product sales site. For this reason, the flow of payment is simple, and it is possible to eliminate a person who has a risk of unpaid money in the payment route.

  On the other hand, in the case of credit card payment, the credit card company takes over the purchase price of the product within the buyer's credit range, so the credit card company has a risk of unpaid money in the payment route of the price . The risk may be reflected in a fee paid by the operating company of the product sales site, or may be reflected in an interest rate when the purchaser pays to the credit card company. For this reason, there is a possibility that the financial burden on both the merchandise sales site operating company and the purchaser will increase by the amount of risk in the payment path.

  The present invention has been made to solve such a problem, and it is possible to eliminate the risk of non-payment of money that occurs in the payment route of payment, and also reduces the risk of damage due to leakage of card information and the like. An object of the present invention is to provide a payment processing method and a bank server used for the payment processing.

  To achieve the above object, according to a main aspect of the present invention, a first terminal of a first user, a second terminal of a second user, the first terminal and the second terminal A payment processing method for processing cash payment from the first user to the second user using a bank server communicable via a communication line, wherein the bank server has a customer master The customer master includes first user information including the name and email address of the first user, account information of a first user bank account held by the first user in the bank, and the first user. Information associated with a remittance contract for determining whether or not to perform remittance using the e-mail address for the second user information including the name of the second user, and the second user to a predetermined bank Have Account information of a two-user bank account and information related to a money receiving contract for receiving remittance using the e-mail address for the second user are stored in association with each other. A terminal performs a step of transmitting the email address to the second terminal, and the second terminal receives the email address received from the first terminal; a payment amount to be paid by the first user; The e-mail address received by the bank server from the second terminal, wherein a step of transmitting the second user information and second user specifying information related to the account information of the second user bank account to the bank server is performed. And inquiring of the customer master for the second user specifying information and determining whether or not the remittance contract exists for the first user corresponding to the e-mail address. When it is determined in the contract presence / absence determination step that the presence / absence of the payment contract for the second user is present, and the contract presence / absence determination step, the first user and the second user have the contract. A mail sending step of sending a mail to the mail address, the mail notifying that the second user has requested the payment amount, and the first user information and the first user bank When the first user specifying information is received from the mail sending step and the first user requesting transmission of the first user specifying information related to the account information of the account, the first user specifying information is the customer A first user information determining step for determining whether the first user information in the master and / or the account information of the first user bank account corresponds, If it is determined in the first user information determination step, the payment amount from the first user bank account to the second user bank account or an amount obtained by subtracting a predetermined fee from the payment amount And a remittance processing step for performing the remittance processing.

  According to another main aspect of the present invention, communication is possible via a communication line with a first terminal possessed by a first user and a second terminal possessed by a second user. A bank server for processing cash payments to two users, the first user information including the name of the first user and an e-mail address; and a first user bank account held by the first user in the bank. The account information and the second user information including the name of the second user are stored in association with information related to the remittance contract whether or not to perform remittance using the e-mail address for the first user, Account information of a bank account for a second user held by a second user in a predetermined bank and information related to a money receiving contract for receiving remittance using the email address for the second user are stored in association with each other. The customer master and the second terminal receive the email address of the first user received and transmitted from the first terminal, and query the customer master for the received email address and correspond to the email address First user contract presence / absence determining means for determining whether or not there is a remittance contract for the first user, and information transmitted by the second terminal, the second user information and the second user bank account A second user contract presence / absence determining step of receiving second user specifying information related to the account information of the user, and determining the presence or absence of the payment contract for the received second user specifying information; and the first and second user contract determining means When it is determined that the contract exists for the first user and the second user, a mail is sent to the mail address of the first user. The email is sent to the first user related to the first user information and the account information of the first user bank account, while notifying that the second user has requested the payment amount. When the first user identification information is received from the mail transmitting means and the first user, which requests transmission of identification information, the first user identification information is the first user information in the customer master. And / or the first user information determining means for determining whether or not it corresponds to the account information of the first user bank account and the first user information determining means, Remittance processing means for performing remittance processing of the payment amount from the first user bank account to the second user bank account or an amount obtained by subtracting a predetermined fee from the payment amount. A bank server is provided.

  For example, in the present invention, when the first user is a purchaser and the second user is a seller who sells products at a product sales site on the Internet, the seller is connected from the first terminal of the purchaser. The purchaser's e-mail address is transmitted to the second terminal, and the e-mail address is transmitted from the second terminal to the bank server. At this time, the payment amount to be paid by the purchaser and second user specifying information for specifying the seller are also transmitted from the second terminal. On the other hand, the bank server refers to the customer master for the received e-mail address of the purchaser and the second user specifying information, and determines whether there is a remittance contract or a receiving contract for the purchaser and the seller. When it is determined that both parties have a contract, the bank server transmits an email to the purchaser's email address. In this e-mail, the purchaser is notified of the payment request for the payment amount, and the payment approval and information for identifying the purchaser, such as an account number in the bank, etc. The purchaser is requested to transmit the first user specifying information including the information. Then, the bank server determines whether or not the received first user identification information corresponds to the purchaser information in the customer master and / or account information of the purchaser's bank account. If it is determined that the payment is made, a remittance process corresponding to the payment amount from the purchaser's bank account to the seller's bank account is performed.

  Thus, since the purchaser can pay cash to the seller without sending the purchaser's card information, bank account information, etc. to the seller, It is possible to prevent leakage of card information and bank account information at the time of payment.

  The bank server determines that the received first user identification information corresponds to the purchaser information and / or account information of the purchaser's bank account in the customer master. Since the remittance process corresponding to the payment amount from the bank account to the seller's bank account is performed, the seller can receive cash corresponding to the payment amount immediately or in a relatively short period of time. Further, since cash is directly paid from the purchaser's bank account to the seller's bank account, it is possible to eliminate the risk of occurrence of a person who has not received the price in the payment route.

  According to an embodiment of the present invention, the first terminal stores encrypted account information obtained by encrypting information related to the account information of the first user bank account, and the bank server Is a secret key for decrypting the encrypted account information. In the first user information determining step, the encrypted account information is used as at least a part of the first user specifying information. A payment processing method characterized by receiving and decrypting is provided.

  According to another embodiment of the present invention, the first terminal stores encrypted account information obtained by encrypting information related to the account information of the first user bank account, The bank server stores a secret key for decrypting the encrypted account information, and stores the password of the first user in the customer master. Then, as a request for transmission of the first user specifying information, the first user requests to access a specific URL, and when the first user accesses the specific URL by the first terminal, An input screen for requesting input and transmission of the first user specifying information is displayed on the display device of the first terminal, and in the first user information determining step, the first user The first process for receiving the encrypted account information as a part of the first user identification information that is input to the first terminal and transmitted from the first terminal, and the encrypted account received in the first process A second process for decrypting the information and determining whether the decrypted account information corresponds to the account information of the first user bank account in the customer master; and If it is determined that it corresponds, a third process for requesting transmission of the password as another part of the first user specifying information on the input screen, and the first user inputs to the input screen and A fourth process for receiving the password transmitted from the first terminal, and the password received in the fourth process in correspondence with the password of the first user stored in the customer master Whether or not Payment processing method and performing a fifth process for determining is provided.

  According to still another embodiment of the present invention, after the e-mail transmission step, the bank server receives a predetermined time from the first user to receiving the payment approval and the first user specifying information. If it is determined that the predetermined time has elapsed in the elapsed time determination step for determining that the elapsed time has elapsed, the e-mail indicates that the payment of the payment amount by the first user has not been established. An unsuccessful payment e-mail transmission step of notifying the address, and in the remittance processing step, it is determined that the first user information determination step corresponds, and the predetermined time elapses in the elapsed time determination step If not, a payment processing method is provided which performs the remittance process.

  According to still another embodiment of the present invention, after the remittance processing step is performed, the bank server sends a processing completion notification including account information of the first user bank account after the remittance processing. There is provided a payment processing method characterized by performing an account information transmitting step for transmitting to the e-mail address.

  According to still another embodiment of the present invention, after the remittance process step is performed, the bank server transmits account information of the first user bank account after the remittance process to the first terminal. The payment processing method is characterized by performing an account information display step of displaying on the display device.

  According to the present invention, for example, cash for money is transferred directly from a purchaser's bank account to a seller's bank account. It is possible to eliminate the financial burden on the purchaser or the seller with respect to the risk of non-accrual of payment. In addition, since the risk of damage due to leakage of card information or the like is reduced, the purchaser can make payment on the Internet more safely.

  Still other features and remarkable effects of the present invention will be understood by those skilled in the art by referring to the embodiments and drawings described in the Best Mode for Carrying Out the Invention below.

The figure which shows schematic structure of the payment processing system which concerns on 1st embodiment of this invention. Diagram showing schematic configuration of bank server Customer master example The flowchart which shows the process in a 1st terminal and a bank server Example of display screen of display device of first terminal The flowchart which shows the process in a 1st terminal, a 2nd terminal, and a bank server Example of sales information Payment processing data example The flowchart which shows the process in a 1st terminal, a 2nd terminal, and a bank server Example of display screen of display device of first terminal

  Hereinafter, embodiments of the present invention will be described with reference to the drawings.

  FIG. 1 is a diagram showing a schematic configuration of a cash payment system according to the first embodiment of the present invention. This cash payment system includes a first terminal 100 possessed by a first user (a purchaser of goods or services) and a second terminal 200 possessed by a second user (a merchant of merchandise or a service provider). The bank server 300 is provided in a bank and can communicate with the first terminal 100 and the second terminal 200 via a communication line. The first and second terminals 100 and 200 may be desktop or laptop personal computers (PCs) or server terminals, and have functions equivalent to those of a personal digital assistant (PDA) or PC. It may be a mobile phone provided, or may be another known computer device. In the present embodiment, the first terminal 100 is a mobile phone having a function equivalent to that of a PC, and the second terminal 200 is a server terminal that provides a product sales site on the Internet.

  The first terminal 100 has a normal configuration as a computer such as a CPU and a RAM. The first terminal 100 includes a communication unit 120 having a communication interface including a display device 110 such as a liquid crystal display, and a communication protocol stack for communication using a mobile telephone network or the Internet network, and the bank The account information storage unit 130 that stores the account information of the bank account possessed by the first user and the program storage unit 140 for storing the program. The program storage unit 140 stores a first user information transmission processing unit 141 that causes the first terminal 100 to perform a predetermined operation. The function of the first user information transmission processing unit 141 will be described below along with examples of processing performed by the first terminal 100, the second terminal 200, and the bank server 300 (see FIGS. 4 and 6).

  The second terminal 200 has a normal configuration as a computer such as a CPU and a RAM. Further, the second terminal 200 stores a communication unit 210 having a communication interface including a connector and a communication protocol stack for communication using the Internet network, an account information storage unit 220, and various programs. A program storage unit 230 and a sales information storage unit 240. The program storage unit 230 stores a sales screen display processing unit 231, a settlement screen display processing unit 232, a settlement request transmission processing unit 233, and a sales information storage processing unit 234 that cause the computer to perform predetermined operations. . These functions will be described below along with examples of processing performed by the first terminal 100, the second terminal 200, and the bank server 300 (see FIGS. 4 and 6).

  FIG. 2 is a diagram showing a schematic configuration of the bank server 300 of the present embodiment. The bank server 300 includes a CPU 310, a RAM 320, a display device 330 such as a liquid crystal display, a connector, a communication unit 340 having a communication interface including a communication protocol stack for communication using an Internet network, A customer master storage unit 350 storing the customer master 351, an account data storage unit 360, a program storage unit 370 for storing various programs for causing the bank server 300 to perform predetermined operations, and an e-mail A payment processing data storage unit 380 for storing data of the used payment processing. For example, as shown in FIG. 3, the customer master 351 stores customer information (user information such as name, address, and telephone number) in this bank in association with a branch code, an account number, and the like. In the present embodiment, the customer master storage unit 350 and the account data storage unit 360 are part of an account system. The customer master 351 stores information about a payment using an e-mail address and a contract indicating whether or not to receive the payment. For example, a first user has a contract for making payment using an e-mail address (a remittance contract), and a second user has a contract for making a payment using an e-mail address (a money receiving contract). C has the remittance agreement and the payment agreement. The account data storage unit 360 stores account balances and bank transaction histories for each account number.

  The bank server 300 includes an account opening processing unit 371, a contract presence / absence determination processing unit 372, an email transmission processing unit 373, and an information input screen provision processing unit 374 that cause the computer to perform predetermined operations in the program storage unit 370. In addition, a first user information determination processing unit 375, a remaining amount determination processing unit 376, a remittance processing unit 377, and an elapsed time determination processing unit 378 are stored. These functions will be described below along with examples of processing performed by the first terminal 100, the second terminal 200, and the bank server 300 (see FIGS. 4 and 6).

  Here, the first user can make the remittance contract or the money receiving contract at the time of opening a bank account at this bank or at any time after the opening. As an example, processing when the first user opens a bank account at this bank will be described with reference to the flowchart of FIG.

  First, when the first user accesses the web page provided by the bank server 300 using the first terminal 100 and makes an account opening request (step S1), the account opening processing unit 371 of the bank server 300 and the first terminal An account opening screen is displayed on the display device 110 of the first terminal 100 by 100 browser software or the like (step S2). This account opening screen prompts the user to input and transmit information necessary for opening an account. When the first user inputs and transmits personal information such as name, address, and telephone number on the account opening screen (step S3), the bank server 300 accepts the personal information and stores the customer master storage unit 350 and other storages. (Step S4). Subsequently, the bank server 300 uses the account opening processing unit 371 to input the necessity of the cash payment service contract of the present application as shown in FIG. 5 on the display device 110 of the first terminal 100, and a password when making a contract. The contract setting screen to be displayed is displayed (step S5). On this contract setting screen, the user inputs whether to make the remittance contract and whether to make the payment contract. In the present embodiment, the first user can select to contract only one, contract both, or not both. When the first user inputs the remittance contract on the contract selection screen and transmits it together with the password (step S6), the bank server 300 accepts the information and stores it in the customer master storage unit 350 or other storage unit ( Step S7).

  Subsequently, the bank sends a copy of the identification document to the first user and sends a document requesting the setting of the personal identification number by mail, etc., and the first user sends a copy of the personal identification document and a document containing the personal identification number to the bank. Send to. When identity verification using the identity verification document is completed in the bank and the result and the password are input to the bank server 300 (step S8), the bank server 300 opens a bank account for the first user. The account number is set (step S9). Then, the bank server 300 stores in the customer master 351 the personal information, a branch code, an account number, a personal identification number, information on the presence / absence of the contract, the password, etc. linked to the personal information (step S10). .

  Subsequently, the bank server 300 creates encrypted account information obtained by encrypting the account information (branch code, account number, etc.) of the first user's bank account by the account opening processing unit 371 (step S11). The encrypted account information is transmitted to the first terminal 100 (step S12), and the first terminal 100 stores the received encrypted account information in the account information storage unit 130 (step S13). Alternatively, after the encrypted account information is stored in the recording medium on the bank side, the recording medium is mailed to the first user, and the first user sends the encrypted account information in the recording medium to the account of the first terminal 100. In some cases, the information is stored in the information storage unit 130. As yet another method, the bank server 300 provides the first terminal 100 with an application for encrypting account information, and the first terminal 100 encrypts the account information using the application. The terminal 100 may store the encrypted account information in the account information storage unit 130. On the other hand, the bank server 300 stores a secret key for decrypting the encrypted account information in the customer master storage unit 350 or the like. It is preferable that only the bank server 300 has this secret key.

  A second user as a merchant operating a product sales site on the Internet can also make the remittance contract or the receiving contract when opening a bank account at this bank, or at any time after opening, In this case, processing similar to steps S1 to S13 described above is performed. Here, the customer master 351 of the bank server 300 can store information on a merchandise sales site operated by the second user along with information on the second user.

  Subsequently, the case where the first user uses the first terminal 100 to access the product sales site on the Internet operated by the second user, purchases the product Z, and pays the price, according to the flowchart of FIG. explain.

  First, when the first user accesses the product sales site through the first terminal 100 and requests display of a product sales screen (step S21), the sales screen display processing unit 231 of the second terminal 200 and the first screen are displayed. The screen of the product sales site is displayed on the display device 110 of the first terminal 100 by the browser software of the terminal 100 (step S22). When the first user decides to purchase the product Z and performs an operation for purchasing the product Z on the first terminal 100, an intention to purchase the product Z is transmitted to the second terminal 200 (step S23), the first user should pay to purchase the product Z on the display device 110 of the first terminal 100 by the payment screen display processing unit 232 of the second terminal 200 and the browser software of the first terminal 100, etc. A payment amount is displayed, and a payment method selection screen for selecting a payment method is displayed (step S24). For example, the display device 110 displays a screen for selecting one of credit card payment, payment at a convenience store or post office, and payment of the present application.

  When the settlement of the present application is selected in step S24, this is transmitted to the second terminal 200 (step S25), and the first terminal is processed by the settlement screen display processing unit 232, the browser software of the first terminal 100, and the like. A mail address request screen for requesting input and transmission of the first user's mail address is displayed on the display device 110 of 100 (step S26). When the first user inputs an email address and transmits it to the second terminal 200 (step S27), the second terminal 200 uses the settlement request transmission processing unit 233 to receive the received email address of the first user and the payment. The amount and the second user specifying information necessary for specifying the second user who is the seller of the product Z are transmitted to the bank server 300 (step S28). In addition, as 2nd user specific information, the 2nd user's user information (information, such as a 2nd user's telephone number, the information regarding the said merchandise sales site), and the information regarding the account information of a 2nd user's bank account (the said encryption account) Information may be sent).

  Here, in the second terminal 200, when the payment in the settlement of the present application is performed, the sales information storage processing unit 234 charges the product sold at the product sales site (the payment amount or the payment amount). Sales information that associates the account information of the account to which the billed amount is deposited with the payer's (buyer's) email address (see FIG. 7), The sales information is stored in the sales information storage unit 240.

  Subsequently, the bank server 300 uses the contract presence / absence determination unit 372 to query the customer master 351 for the email address of the first user received from the second terminal 200, and the first user corresponding to the email address. It is determined whether or not there is a remittance contract (step S29). Further, the bank server 300 uses the contract presence / absence determination unit 372 to query the customer master 351 for the second user specifying information of the second user received from the second terminal, and determines whether the second user has the payment contract. Judgment is made (step S30).

  Subsequently, when it is determined in steps S29 and S30 that both the first and second users have contracts, the bank server 300 creates payment processing data as shown in FIG. 8 in the payment processing data storage unit 380. . In addition, the bank server 300 transmits a mail to the mail address of the first user by the mail transmission processing unit 273 (step S31). This e-mail notifies the second user that the payment amount has been requested for the purchase of the product Z, and identifies the first user in order to identify the payment approval of the payment amount and the first user who is the purchaser. It is a request for transmission of information. The payment approval may be explicit, and it can be considered that the payment has been approved by the first user transmitting the first user specifying information. As the first user specifying information, transmission of user information (information such as the personal information) of the first user and information related to the account information of the bank account of the first user (may be the encrypted account information) is requested. Is done. In the present embodiment, transmission of the encrypted account information of the first user by e-mail is requested as the first user specifying information. At this time, the e-mail requests the first user to send the information to a specific e-mail address of the bank, or requests a reply to the e-mail.

  When the first user receives the mail from the bank server 300 in step S31, the first user transmits the encrypted account information stored in the account information storage unit 130 of the first terminal 100 to the bank server 300 by mail (step S32). The bank server 300 uses the first user information determination processing unit 375 to decrypt the encrypted account information received from the first user with the secret key, and the decrypted account information is stored in the customer master 351. It is determined whether or not it corresponds to the account information of one user (step S33). Here, the first user information determination processing unit 375 automatically confirms the content of the email transmitted in step S32, and if the encrypted account information is included therein, the first user information determination processing unit 375 automatically performs step S33. To do. Subsequently, the bank server 300 uses the remaining amount determination processing unit 376 to determine whether the account balance of the first user is equal to or greater than the payment amount (step 34).

  Subsequently, when it is determined in step S33 that it corresponds, and in step S34, it is determined that there is a balance, the bank server 300 further transmits an email to the email address of the first user by the email transmission processing unit 273. (Step S35). This mail requests the first user to transmit the password as further first user specifying information, and this mail describes a URL for displaying a screen for inputting the password. When the first user accesses the URL described in the mail (step S36), the password is given to the terminal of the first user by the information input screen provision processing unit 374 of the bank server 300 and the browser software of the terminal of the first user. A screen for input and transmission is displayed (step S37). When the first user inputs and transmits the password (step S38), the bank server 300 uses the first user information determination processing unit 375 to store the transmitted first password stored in the customer master 351. It is determined whether or not it corresponds to the password (step S39).

  Subsequently, when it is determined in steps S33 and S39 that there is a balance, and it is determined in step S34 that there is a balance, the bank server 300 determines the payment amount from the first user account to the second user account. Alternatively, remittance processing is performed by subtracting a predetermined fee from the payment amount (step S40). Specifically, the payment amount is reduced from the account of the first user, and the account of the second user is increased by the payment amount or an amount obtained by subtracting the predetermined fee from the payment amount.

  Subsequently, the bank server 300 sends an e-mail to the e-mail address of the second user registered in the customer master 351 that the remittance process has been completed (step S41). The contents of this mail include the payment amount, the payment date, and the payer's mail address, that is, the first user's mail address. The sales information storage processing unit 234 of the second terminal 200 is set to automatically confirm all the contents of the email addressed to the email address of the second user, and the contents are stored in the sales information storage unit 230. If there is an item corresponding to the billing amount (payment amount) of each sales information and the purchaser's email address, as shown in FIG. 7, the email reception date is stored in the payment completion reception date column of the sales information. To do.

  On the other hand, the bank server 300 sends the first user's e-mail address registered in the customer master 351 by e-mail to the end of the remittance process and the account information of the first user after the remittance process (step S42). . Thereby, the 1st user can know immediately that payment was completed, the account balance after payment, etc. When the first user accesses the URL by including the URL in the content of the mail, the account of the first user is stored in the display device 110 of the first terminal 100 by the browser software of the bank server 300 and the first terminal 100. It can also be configured to display information.

  Note that the bank server 300 sets the date when the mail is transmitted and the hold deadline for the mail when the elapsed time determination processing unit 378 transmits the mail in step S31 or step S35, and stores them in the payment processing data storage unit. It adds to the payment processing data of 380. Then, the bank server 300 does not perform the transmission of the encrypted account information in the step S32 or the steps after the step S36 after the elapse time determination processing unit 378 transmits the mail in the step S31 or the step S35. Then, when the holding time limit has elapsed, the payment process is regarded as unsuccessful. In addition, the fact that it has not been established, the payment amount of the payment process, the e-mail address of the first user who is the purchaser, and the like are sent by e-mail to the second user who is the seller and the first user who is the purchaser. As mail addresses used for mail transmission to the first user and the second user, those stored in the customer master 351 can be used. The second terminal 200 is set to automatically confirm all the contents of the mail addressed to the second user's mail address by the sales information storage processing section 234, and the sales information storage section 230 is added to the contents. If there is an item corresponding to the billing amount (payment amount) and purchaser's email address of each piece of sales information stored in, the fact that payment has not been established is stored in the sales information. And when a certain payment process becomes unsuccessful treatment, the process after step S33 or the process after step S37 is not performed about the payment process.

  Thus, according to this embodiment, the first user's e-mail address is transmitted from the first terminal 100 of the first user who is the purchaser to the second terminal 200 of the second user who is the seller. The e-mail address is transmitted from the second terminal 200 to the bank server 300. At this time, the second terminal 200 also transmits a payment amount to be paid by the first user and second user specifying information that can specify the second user who is the seller. On the other hand, the bank server 300 refers to the customer master 351 for the received first user's e-mail address and second user identification information, and sends a remittance agreement or a receipt for the first user who is the purchaser and the second user who is the seller. Determine if there is a contract. When it is determined that both parties have a contract, the bank server 300 transmits an email to the email address of the first user who is the purchaser. In this e-mail, the first user is notified that there is a payment request for the payment amount from the second user who is the seller, and the payment approval and information that can identify the first user who is the purchaser, For example, the first user is requested to transmit first user specifying information including an account number in the bank. Then, the bank server 300 determines whether or not the received first user specifying information corresponds to the information of the first user in the customer master 351 and / or the account information of the bank account of the first user. If it is determined, the remittance processing of the amount corresponding to the payment amount from the bank account of the first user who is the purchaser to the bank account of the second user who is the seller is performed.

  Thus, the first user pays cash to the second user without transmitting the first user's card information, bank account information, etc. from the first user who is the purchaser to the second user who is the seller. Since it can be performed, it is possible to prevent leakage of card information, bank account information, etc. at the time of payment.

  Further, when the bank server 300 determines that the received first user specifying information corresponds to the first user information in the customer master 351 and / or the account information of the first user's bank account, Since the remittance process corresponding to the payment amount from the user's bank account to the second user's bank account is performed, the second user who is the seller can provide cash corresponding to the payment amount immediately or in a relatively short period of time. Can receive. Moreover, since cash payment is directly performed from the bank account of the first user to the bank account of the second user, it is possible to eliminate the risk of occurrence of a person who has not received the price in the payment route of the price.

  Thus, since the cash for the price is directly transferred from the bank account of the first user who is the purchaser to the bank account of the second user who is the seller, the payment route of the price from the purchaser to the seller In this case, there is no occurrence of a person who has not received the payment, and the financial burden on the purchaser or the seller for the risk of the payment not being received can be removed. In addition, since the risk of damage due to leakage of card information or the like is reduced, the purchaser can make payment on the Internet more safely.

  In the present embodiment, the first terminal 100 stores encrypted account information obtained by encrypting the account information of the first user's bank account. The bank server 300 stores a secret key for decrypting the encrypted account information. In step S32, the first user transmits the encrypted account information stored in the first terminal 100 to the bank server 300. In step S33, the bank server 300 specifies the first user. The encrypted account information is received and decrypted as the first user specifying information. As described above, the first user only needs to transmit the encrypted account information stored in the first terminal 100 to the bank server 300, so that it is not necessary to input the account information every time the payment is made. Can make payments easily and smoothly. Moreover, since account information is encrypted, misuse of account information can be prevented. Furthermore, since the account information is encrypted, the account information can be transmitted by e-mail from the first terminal 100 to the bank server 300 as in step S32 of the present embodiment. Here, a personal digital assistant (PDA) or a mobile phone often takes time and labor to input compared to a PC. For this reason, a person who pays for a product sales site or the like on the Internet using a portable information terminal or a mobile phone receives an email from the bank server 300 and sends encrypted account information to the bank server 300 by email. Employing the configuration of the present application greatly reduces labor compared to inputting account information one by one.

  Further, in the present embodiment, after the bank server 300 transmits the mail in the step S31 or the step S35, the transmission of the encrypted account information in the step S32 or the step S36 and the subsequent steps is not performed. The payment process is deemed to be unsuccessful when the deadline for the payment has passed. In addition, the fact that it has not been established, the payment amount of the payment process, the mail address of the first user who is the purchaser, and the like are sent to the second user who is the seller and the first user who is the purchaser by mail. In this embodiment, when the bank server 300 asks the first user for the first user specifying information, an e-mail is transmitted to the first user. Therefore, depending on the frequency of confirmation of the first user's e-mail, the payment process can be performed forever. Although there is a possibility of staying unpaid, the payment process is not established when the holding time limit elapses, so that the payment process is prevented from staying unpaid.

  In this embodiment, in step S41, the fact that the remittance process has been completed is sent by e-mail to the e-mail address of the second user registered in the customer master 351. The contents of the mail include the payment amount, the payment date, and the mail address of the payer, that is, the mail address of the first user. Further, the sales information storage processing unit 234 of the second terminal 200 has a function of automatically confirming all the contents of the email addressed to the email address of the second user, and stores the sales information in the content of the email. If there is an item corresponding to the billing amount (payment amount) and purchaser email address of each sales information stored in the section 230, as shown in FIG. Stores the reception date. In this way, the second terminal 200 can also manage sales information using the email address of the first user as a key. In addition, since the account information of the first user is not transmitted to the second terminal 200, misuse of the account information can be prevented.

  Hereinafter, a cash payment system according to a second embodiment of the present invention will be described. In the first embodiment, the encrypted account information as the first user specifying information is transmitted by e-mail, but in the second embodiment, the information input screen provision processing unit 374 of the bank server 300 performs the first operation. The terminal 100 is configured to display an input screen for requesting input and transmission of the first user specifying information, and the bank server 300 receives the first user specifying information by inputting and transmitting the input screen. In the first embodiment, the second user opens a bank account at the bank, and payment from the first user is made to the bank account. In the second embodiment, the second user Has a bank account in another bank, and payment from the first user is made to the bank account of the other bank. Other configurations are the same as those of the first embodiment.

  In the present embodiment, the case where the first user uses the first terminal 100 to access the product sales site on the Internet operated by the second user, purchases the product Z, and pays the price is shown in the flowchart of FIG. It explains along.

  Steps S51 to S57 are the same as steps S21 to S27 in the first embodiment. Subsequent to step S57, the second terminal 200 uses the settlement request transmission processing unit 233 to specify the received first user's email address, the payment amount, and the second user who is the seller of the product Z. The second user specifying information necessary for the transmission is transmitted to the bank server 300 (step S58). The second user specifying information includes user information of the second user (information such as the telephone number of the second user and information related to the product sales site) and information related to the account information of the second user's bank account (the encrypted account information). May be sent). The bank account of the second user of this embodiment is not the bank in which the bank server 300 is provided, but the bank account of the second user provided in another bank. Therefore, the encrypted account information and the account information of the second user stored in the customer master 351 also belong to the other bank. Note that the customer master 351 may not store account information of another bank of the second user. In this case, in step S58, the second terminal 200 needs to transmit to the bank server 300 the account information of the bank account that the second user has in the other bank.

  Steps S59 and S60 are the same as steps S29 and S30 in the first embodiment. Subsequently, the bank server 300 transmits a mail to the mail address of the first user by the mail transmission processing unit 273 (step S61). This e-mail notifies the second user that the payment amount has been requested for the purchase of the product Z, and identifies the first user in order to identify the payment approval of the payment amount and the first user who is the purchaser. It is a request for transmission of information. The payment approval may be explicit, and it can be considered that the payment has been approved by the first user transmitting the first user specifying information. As the first user specifying information, transmission of user information (information such as the personal information) of the first user and information related to the account information of the bank account of the first user (may be the encrypted account information) is requested. Is done. In the present embodiment, transmission of the encrypted account information of the first user by e-mail is requested as the first user specifying information. The e-mail includes a URL, and this e-mail requests access to the URL to input and transmit the first user specifying information.

  When the first user receives the e-mail from the bank server 300 in step S61, the first user accesses the URL included in the e-mail (step S62), and in response to this, the information input screen provision processing unit 374 of the bank server 300 and the first user A screen (see FIG. 10) for inputting and transmitting the first user specifying information is displayed on the first terminal 100 by the browser software or the like of the first terminal 100 (step S63). When the first user performs the above input and transmission (step S64), the bank server 300 uses the first user information determination processing unit 375 to decrypt the encrypted account information received from the first user with the secret key and decrypt the decrypted account information. It is determined whether or not the converted account information corresponds to the account information of the first user stored in the customer master 351 (step S65). Subsequently, the bank server 300 uses the remaining amount determination processing unit 376 to determine whether or not the account balance of the first user is equal to or greater than the payment amount (step 66).

  Subsequently, if it is determined in step S65 that it is compatible, and if it is determined in step S66 that there is a balance, the information input screen provision processing unit 374 of the bank server 300 and the browser software of the first terminal 100 etc. A screen requesting input and transmission of a password as further first user specifying information is displayed on one terminal 100 (step S67). Steps S68 to S72 are the same as steps S38 to S42 of the first embodiment.

  Even in the case of the second embodiment, the first user to the second user without transmitting the card information, bank account information, etc. of the first user to the second user who is the seller from the first user who is the purchaser. Since cash can be paid, it is possible to prevent leakage of card information and bank account information at the time of payment.

  Further, when the bank server 300 determines that the received first user specifying information corresponds to the first user information in the customer master 351 and / or the account information of the first user's bank account, Since the remittance process corresponding to the payment amount from the user's bank account to the second user's bank account is performed, the second user who is the seller can provide cash corresponding to the payment amount immediately or in a relatively short period of time. Can receive. Moreover, since cash payment is directly performed from the bank account of the first user to the bank account of the second user, it is possible to eliminate the risk of occurrence of a person who has not received the price in the payment route of the price.

  In addition, since the cash for the price is directly transferred from the bank account of the first user who is the purchaser to the bank account of the second user who is the seller, the price is paid in the payment route of the price from the purchaser to the seller. It is possible to eliminate the financial burden on the purchaser or seller for the risk of non-payment and no payment. In addition, since the risk of damage due to leakage of card information or the like is reduced, the purchaser can make payment on the Internet more safely.

  In the first and second embodiments, a configuration is adopted in which the first user transmits a password in steps S38 and S68. However, in the first and second embodiments, confirmation of steps S33, S34, S65, and S66 is performed. It is also possible to configure so that the remittance process of steps S40 and S70 is performed at the stage where the process is performed.

  In addition, this invention is not limited to the said one Embodiment, A various deformation | transformation is possible in the range which does not change the summary of invention.

  DESCRIPTION OF SYMBOLS 100 ... 1st terminal, 110 ... Display apparatus, 120 ... Communication part, 130 ... Account information storage part, 140 ... Program storage part, 141 ... 1st user information transmission process part, 200 ... 2nd terminal, 210 ... Communication , 220 ... Account information storage unit, 230 ... Program storage unit, 231 ... Sales screen display processing unit, 232 ... Settlement screen display processing unit, 233 ... Settlement request transmission processing unit, 234 ... Sales information storage unit, 240 ... Sales Information storage unit, 300 ... bank server, 310 ... CPU, 320 ... RAM, 330 ... display device, 340 ... communication unit, 350 ... customer master storage unit, 351 ... customer master, 360 ... account data storage unit, 370 ... program storage 371 ... Account opening processing unit, 372 ... Contract presence / absence determination processing unit, 373 ... Mail transmission processing unit, 374 ... Information input screen provision processing unit, 375 ... First user The information judgment processing unit, 376 ... balance judgment processing unit, 377 ... remittance processing unit, 378 ... elapsed time determining processing unit.

Claims (12)

Using a first terminal that the first user has, a second terminal that the second user has, and a bank server that can communicate with the first terminal and the second terminal via a communication line, A payment processing method for processing cash payment from the first user to the second user,
The bank server has a customer master. The customer master includes first user information including the name of the first user and an email address, and a first user bank that the first user has in the bank. Account information of the account and second user information including the name of the second user, in association with the first user, and information relating to a remittance contract whether or not to perform remittance using the e-mail address. The account information of the bank account for the second user that the second user has in the predetermined bank and the information related to the money receiving contract for receiving the remittance using the email address for the second user are stored in association with each other. Is,
This method
The second terminal sends, to the bank server, an email address of the first terminal, a payment amount to be paid by the first user, and second user specifying information regarding account information of the second user bank account. Perform the process of sending,
The bank server is
Inquiring the customer master for the email address and the second user identification information received from the second terminal, determining whether or not there is a remittance contract for the first user corresponding to the email address, A contract presence / absence determination step of determining presence / absence of the payment contract for the second user;
When it is determined that the contract exists for the first user and the second user in the contract presence / absence determination step, a mail transmission step of transmitting a mail to the mail address of the first user, Notifying that there has been a request for the payment amount from a second user, and requesting transmission of first user specific information related to account information of the bank account for the first user, the mail transmission step,
When the first user identification information is received from the first user, the first user identification information corresponds to the first user information and / or account information of the first user bank account in the customer master. A first user information determination step of determining whether or not,
If it is determined in the first user information determining step that it corresponds, the payment amount from the first user bank account to the second user bank account or an amount obtained by subtracting a predetermined fee from the payment amount And a remittance processing step for performing the remittance processing. The payment processing method according to claim 1,
The first terminal stores encrypted account information obtained by encrypting information related to the account information of the first user bank account,
The bank server stores a secret key for decrypting the encrypted account information;
In the first user information determining step, the encrypted account information is received and decrypted as at least a part of the first user specifying information. The payment processing method according to claim 1,
The first terminal stores encrypted account information obtained by encrypting information related to the account information of the first user bank account,
The bank server stores a secret key for decrypting the encrypted account information, and stores the password of the first user in the customer master,
In the mail transmission step, the first user requests access to a specific URL as a request for transmission of the first user specific information, and the first user uses the first terminal to transmit the specific URL. , Display an input screen for requesting input and transmission of the first user identification information on the display device of the first terminal,
In the first user information determination step,
A first process for receiving the encrypted account information as a part of the first user identification information, which is input from the first terminal by the first user and transmitted from the first terminal;
The encrypted account information received in the first process is decrypted, and it is determined whether the decrypted account information corresponds to the account information of the first user bank account in the customer master. A second process;
A third process for requesting transmission of the password as another part of the first user identification information on the input screen when it is determined that the second process corresponds;
A fourth process in which the first user inputs the password on the input screen and is transmitted from the first terminal;
And a fifth process for determining whether or not the password received in the fourth process corresponds to the password of the first user stored in the customer master. Processing method. The payment processing method according to claim 1,
The bank server is
An elapsed time determination step for determining that a predetermined time has elapsed after receiving the payment approval and the first user identification information from the first user after the mail transmission step;
When it is determined in the elapsed time determination step that the predetermined time has elapsed, a payment failure notification email transmission step of notifying the email address that the payment of the payment amount by the first user has not been confirmed. Done
In the remittance processing step, the remittance processing is performed when it is determined in the first user information determination step that it is determined that the predetermined time has not elapsed in the elapsed time determination step. Payment processing method. The payment processing method according to claim 1,
The bank server performs an account information transmission step of transmitting a processing completion notification including the account information of the first user bank account after the remittance processing to the e-mail address after the remittance processing step is performed. A characteristic payment processing method. The payment processing method according to claim 1,
The bank server performs an account information display step of displaying the account information of the first user bank account after the remittance processing on the display device of the first terminal after the remittance processing step is performed. A payment processing method characterized by. A bank server that is communicable via a communication line with a first terminal possessed by a first user and a second terminal possessed by a second user, and processes payment of cash from the first user to the second user. And
First user information including the first user's name and email address, account information of a first user bank account held by the first user at the bank, and remittance using the email address for the first user Information relating to the remittance contract for determining whether or not to perform the second user information including the name of the second user, and the second user bank account held by the second user in a predetermined bank A customer master that stores account information and information related to a payment contract for receiving remittance using the email address for the second user,
The e-mail address of the first user transmitted by the second terminal is received, the received e-mail address is referred to the customer master, and the remittance contract for the first user corresponding to the e-mail address is received. First user contract presence / absence judging means for judging whether or not
Receiving second user specifying information relating to the account information of the second user bank account, which is information transmitted by the second terminal, and determining whether or not there is a payment contract for the received second user specifying information A second user contract presence / absence determination step;
When the first and second user contract determining means determines that the contract exists for the first user and the second user, the mail transmitting means transmits a mail to the mail address of the first user, The e-mail notifying that the second user has requested the payment amount and requesting transmission of first user specific information related to account information of the first user bank account. A transmission means;
When the first user identification information is received from the first user, the first user identification information corresponds to the first user information and / or account information of the first user bank account in the customer master. First user information determination means for determining whether or not,
When it is determined that the first user information determination means supports, the payment amount from the first user bank account to the second user bank account or an amount obtained by subtracting a predetermined fee from the payment amount And a remittance processing means for performing the remittance processing. The bank server according to claim 7, wherein
The first terminal stores encrypted account information obtained by encrypting information related to the account information of the first user bank account,
The bank server stores a secret key for decrypting the encrypted account information;
The bank server according to claim 1, wherein the first user information determination means receives and decrypts the encrypted account information as at least a part of the first user specifying information. The bank server according to claim 7, wherein
The first terminal stores encrypted account information obtained by encrypting information related to the account information of the first user bank account,
The bank server stores a secret key for decrypting the encrypted account information, and stores the password of the first user in the customer master,
The mail transmission means requests the first user to access a specific URL as a request for transmission of the first user specific information, and the first user uses the first terminal to transmit the specific URL. , The input screen for requesting the input and transmission of the first user identification information is displayed on the display device of the first terminal,
The first user information determination means includes
A first process for receiving the encrypted account information as a part of the first user identification information, which is input from the first terminal by the first user and transmitted from the first terminal;
Decrypting the encrypted account information received in the first process and determining whether the decrypted account information corresponds to the account information of the first user bank account in the customer master. 2 processing,
When it is determined that the second process is supported, a third request for input and transmission of the password of the first user bank account is made as another part of the first user specifying information on the input screen. Processing,
A fourth process in which the first user inputs information on the input screen and receives the password information transmitted from the first terminal;
And a fifth process for determining whether or not the password received in the fourth process corresponds to the password of the first user stored in the customer master. And bank server. The bank server according to claim 7, wherein
Elapsed time determination means for determining that a predetermined time has elapsed after the transmission of the mail by the mail transmission means until the first user specifying information is received from the first user;
When the elapsed time determining means determines that the predetermined time has elapsed, the payment failure notification email transmission means for notifying the email address that the payment of the payment amount by the first user has not been confirmed. Have
The remittance processing means performs the remittance process when it is determined by the first user information determination means that the predetermined time has not elapsed. A bank server characterized by performing. The bank server according to claim 7, wherein
The bank further comprises an account information transmitting means for transmitting a processing completion notification including the account information of the first user bank account after the remittance processing to the mail address after the transmission processing by the remittance processing means. server. The bank server according to claim 7, wherein
After the transmission processing by the remittance processing means, it further comprises account information display means for displaying the account information of the first user bank account after the remittance processing on the display device of the first terminal. Bank server.

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