JP6348362B2 - Overseas remittance settlement terminal and overseas remittance support system - Google Patents

Description

  The present invention relates to a technology for supporting overseas remittance using a debit card and an overseas remittance card in cooperation with a debit card settlement system.

  Remittance from Japan to an overseas financial institution can be performed, for example, by bank ATM or Internet banking in addition to the bank window. At this time, if the user has an account at a bank that handles overseas remittances, the bank can perform remittances based on the remittance funds deposited in the user's account.

  On the other hand, the deregulation in 2010 has made it possible for funds transfer operators based on laws related to settlement of funds other than banks to carry out overseas remittance services. Is provided. The overseas remittance service described in Non-Patent Document 1 does not require the opening of an account with a fund transfer operator that provides the overseas remittance service, and the user transfers the remittance funds to an account designated by the fund transfer operator. It is a mechanism to do.

  However, the overseas remittance service described in Non-Patent Document 1 differs from the conventional overseas remittance mechanism performed by banks, because the bank account used by the user in daily life and the designated account of the fund transfer operator are not linked. Had to transfer (transfer) the money to be transferred to the designated account of the money transfer company. For example, it has been troublesome to go to a bank ATM to transfer money to a designated account using a bank account cash card, or to withdraw cash from the bank account and deposit it into the designated account. This also applies to Internet banking.

SBI Remit Co., Ltd. homepage, “International Remittance” page, https://www.remit.co.jp/MainSendingRemittance.jsf?menuid=2&lang=en

  Therefore, the present invention provides an overseas remittance system in which an overseas remittance company different from the financial institution in which the user has an account opens, and the user moves remittance funds from the account of the financial institution to the overseas remittance system. An object is to provide an overseas remittance settlement terminal and an overseas remittance support system that can perform overseas remittance without having to do so.

  The first invention of the present application relates to a settlement system and a financial institution that performs debit settlement in which a user designates an amount designated by a user from a financial institution account through a debit card held by the user in cooperation with a financial institution where the user has opened an account. This is an overseas remittance settlement terminal that is provided by a different overseas remittance company and cooperates with an overseas remittance system that performs overseas remittance using an overseas remittance card associated with overseas remittance setting information preset by a user. Overseas remittance payment terminal is a card information reading device that reads the card information of each debit card and overseas remittance card, the card information of the read debit card, the payment amount specified by the user, and the concealment of the debit card entered by the user A debit payment control unit for transmitting debit payment transmission data for debit payment to a payment system and receiving a debit payment result from the payment system, and a debit payment result An overseas remittance control unit that transmits the overseas remittance request data including the remittance amount corresponding to the debit settlement amount and the card information of the overseas remittance card linked to the overseas remittance setting information to the overseas remittance system. Have.

  The overseas remittance control unit can receive a response result from the overseas remittance system for transmission of the overseas remittance request data, and the debit settlement control unit has a result indicating that the overseas remittance request cannot be received. In some cases, or when the response result cannot be received from the overseas remittance system, it can be configured to perform debit payment cancellation processing for transmitting debit payment cancellation data corresponding to the debit payment amount to the payment system. .

The overseas remittance settlement terminal can further include an input device operated by a user, a display device, and a storage device that stores transaction information corresponding to the overseas remittance request data. At this time, the overseas remittance control unit reads the past transaction information when the payment amount is input via the input device and the card information of the overseas remittance card is read before the debit card card information is read. To determine whether or not the overseas remittance card and settlement amount are the same continuous overseas remittance, and if it is determined that the overseas remittance card and settlement amount are the same continuous overseas remittance, the same It is possible to control the display device to display a message for confirming continuous overseas remittance.

  Further, the overseas remittance settlement terminal further includes a printing device for printing a predetermined slip relating to the overseas remittance request based on the debit settlement based on a response result to the transmission of the overseas remittance request data received from the overseas remittance system. Can be configured. The overseas remittance settlement terminal can be a portable terminal.

  The second invention of the present application is connected to a settlement system for debit settlement in which the user designates an amount specified by the user from the account of the financial institution through a debit card held by the user in cooperation with a financial institution where the user has opened an account. This is an overseas remittance support system that uses a remittance settlement terminal and cooperates with an overseas remittance system in which an overseas remittance company different from a financial institution performs overseas remittance. The overseas remittance payment terminal includes a debit card and a card information reading device that reads card information of each overseas remittance card associated with overseas remittance setting information preset by a user who uses the overseas remittance system, and the read debit card Debit payment transmission data for debit payment to the overseas remittance company as payment destination is sent to the payment system, including the card information of the user and the payment amount specified by the user and the confidential information of the debit card input by the user The debit settlement control unit that receives the debit settlement result from the settlement system, and the remittance amount corresponding to the debit settlement amount and the overseas remittance card linked to the overseas remittance setting information when the debit settlement result is OK. Send overseas remittance request data including card information to overseas remittance system Having an outer remittance control unit. In addition, the overseas remittance system includes a storage unit that stores overseas remittance setting information linked to card information of an overseas remittance card, an overseas remittance request data based on debit payment received from an overseas remittance settlement terminal, and overseas remittance setting information. Based on this, a remittance control unit that performs overseas remittance processing to a corresponding remittance destination, and a notification unit that transmits the result of the overseas remittance processing to a predetermined communication device owned by the user.

It is a figure which shows the network structural example of 1st Embodiment. It is a figure which shows the structural block example of the overseas remittance settlement terminal of 1st Embodiment. It is a figure which shows the structural block example of the overseas remittance system (management server) of 1st Embodiment. It is a figure which shows an example of the overseas remittance setting information of 1st Embodiment. It is a figure which shows an example of the flowchart of the debit process of the overseas remittance settlement terminal of 1st Embodiment, and an overseas remittance process. It is a figure which shows an example of the flowchart of the debit process of an overseas remittance settlement terminal, and an overseas remittance process following FIG. FIG. 7 is a diagram illustrating an example of a flowchart of debit processing and overseas remittance processing of the overseas remittance settlement terminal following FIG. 6. It is a figure which shows an example of the transaction information of 1st Embodiment. It is a figure which shows the slip 1 printed with the overseas remittance settlement terminal of 1st Embodiment. It is a figure which shows the slip 2 printed with the overseas remittance settlement terminal of 1st Embodiment. It is a figure which shows the slip 3 printed with the overseas remittance settlement terminal of 1st Embodiment. It is a flowchart which shows the processing flow of the debit payment performed between the overseas remittance payment terminal of 1st Embodiment, a debit payment system, and a financial institution. It is a flowchart which shows the processing flow of the overseas remittance performed between the overseas remittance settlement terminal of 1st Embodiment, an overseas remittance system, and an overseas financial institution. It is a figure which shows an example of the overseas remittance log | history of 1st Embodiment.

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

(First embodiment)
1 to 14 are diagrams showing a first embodiment. FIG. 1 is a network configuration example of the overseas remittance support system of this embodiment.

  As shown in FIG. 1, this embodiment uses an overseas remittance system 300 provided by a fund transfer operator based on a law relating to fund settlement other than banks, unlike a conventional mechanism in which a financial institution performs overseas remittance. This is based on the premise that the user performs overseas remittance.

  The user has opened an account such as a salary transfer account in a financial institution. As described above, when a financial institution with an account (for example, a domestic financial institution) conducts overseas remittance business, the financial institution transfers the remittance funds deposited in the account to an overseas You can send money to institutions such as overseas banks and correspondent financial institutions. However, when performing overseas remittance from the overseas remittance system 300 provided by a fund transfer operator other than the financial institution of the account used by the user, the account of the financial institution used by the user and the designated account of the fund transfer operator (user Therefore, it is necessary to transfer funds from the account established at the financial institution to the account designated by the overseas remittance system.

  Therefore, in the present embodiment, an overseas remittance business different from a financial institution is used by using an overseas remittance settlement terminal 100 that can be connected via a network to a debit settlement system 200 in cooperation with a financial institution where a user has opened an account. Supports overseas remittance in cooperation with the overseas remittance system 300 in which a person performs overseas remittance.

  The overseas remittance settlement terminal 100 according to the present embodiment is a portable terminal that can be connected to the debit settlement system 200 and the overseas remittance system 300 via the network 1, and stores the debit card Cc and the overseas remittance card Cr held by the user. Read it and make an overseas remittance request based on debit payment and debit payment.

  The overseas remittance settlement terminal 100 is carried by a sales employee (person who operates the overseas remittance settlement terminal 100), for example, at the location of the user who wants to perform the overseas remittance (such as the company where he / she works), and debit settlement on the spot. Overseas remittance processing via the overseas remittance system 300 can be performed. The overseas remittance settlement terminal 100 may be a stationary type and permanently installed in a predetermined place. For example, it can be permanently installed in a predetermined store of an overseas remittance company or a company where the user works.

  Performing overseas remittance processing by the overseas remittance system 300 based on debit payment using the overseas remittance settlement terminal 100 not only when the user is an individual but also when a corporation or a specific business operator performs overseas remittance. Can do. In this case as well, the sales staff can carry the overseas remittance settlement terminal 100 by carrying it to the location of the corporation or the like, or can be permanently installed in the corporation of the corporation or the like as necessary. The overseas remittance settlement terminal 100 can be operated by a predetermined operator such as a salesperson or a salesclerk of a store, or can be operated by the user himself / herself.

  As shown in FIG. 1, an overseas remittance settlement terminal 100 includes a display device 100 such as a liquid crystal monitor, a card information reading device 120 that is manually operated, an input device 130 such as a push key, and a line thermal that uses roll paper as printing paper. A printing apparatus 140 such as a printer is provided. Note that the card information reader 120 can also be configured with a known contact / non-contact IC card reader / writer.

  The overseas remittance settlement terminal 100 can be equipped with a battery such as a lithium ion battery as a power source, and operates with electric power supplied from the battery. It can also be operated with power supplied from a commercial power supply via an AC adapter.

  FIG. 2 is a diagram illustrating a configuration block example of the overseas remittance settlement terminal 100. The overseas remittance settlement terminal 100 includes a control unit 101, a communication control unit 102, and a storage unit 103. The control unit 101 includes a debit settlement control unit 1011, an overseas remittance control unit 1012, a display control unit 1013, and a print control unit 1014. In addition, you may comprise each part which comprises the control part 101 as an individual control apparatus connected to the control part 101 which controls the whole overseas remittance settlement terminal 100.

  After the overseas remittance settlement terminal 100 is turned on, the card information reader 120 is ready for reading. The user or operator can read the card information by, for example, sliding the magnetic card in contact with the magnetic head of the card information reader 120. The card information read by the card information reading device 120 is input to the control unit 101.

  Here, the debit card Cc used in the overseas remittance settlement terminal 100 will be described. The debit card Cc is, for example, a cash card with a debit payment function issued by a financial institution in which the user has an account, such as a magnetic card in which information such as an account number is recorded as magnetic information or an IC card in which information is recorded with an IC chip. . In the financial institution, authentication information for the issued cash card is registered in advance. The authentication information is confidential information such as a personal identification number arbitrarily set by the user who uses the cash card.

  A debit payment is an instant where a predetermined operator providing the debit payment system 200 is associated with a financial institution in advance, and the amount of money that is deposited from the account to the account with respect to a cash card issued by the financial institution is instantaneous. This is a settlement method in which it is authenticated that the amount specified by the user is withdrawn and deposited into a predetermined account (including an account of another financial institution) as a payee.

  As the debit payment system 200, for example, there is a J-Debit (registered trademark) service in which a cash card can be used as it is. The debit card may be a card different from the cash card. For example, a financial institution can issue a debit card having only a debit payment function using an account separately from a cash card linked to an account opened by a user, and the user uses a debit card instead of a cash card. Debit payment.

  The debit payment control unit 1011 is input by the user via the card information of the read debit card Cc and the input device 130 (or a salesperson or a store clerk operating the overseas remittance payment terminal 100 according to the user's instruction). The debit payment transmission data including the input payment amount (remittance amount) and the confidential information of the debit card Cc input by the user is generated and transmitted to the debit payment system 200. At this time, the card information of the debit card Cc read by the card information reading device 120 includes, for example, a code for identifying a financial institution, a branch code of a financial institution in which an account is opened, and an account number established in the financial institution. included.

  The transmission data for debit payment is transmission data for debit payment with an overseas remittance company operating the overseas remittance system 300 as a payment destination. That is, the overseas remittance company is a participant in the debit payment system 200, and the financial institution deducts the amount specified by the user from the account and pays the predetermined account of the overseas remittance company of the payee (an account of another financial institution). The overseas remittance system, as described below, assumes that the amount specified by the user has been received through debit payment for overseas remittance, and sends it to the remittance designated by the user. Remit money overseas.

  For this reason, in addition to the above-mentioned data, the debit payment transmission data includes information indicating an overseas remittance company and information indicating debit payment for the purpose of performing overseas remittance via the overseas remittance company (for example, , Product codes, etc.). Based on such information, the debit payment system 200 and the financial institution can deposit the money withdrawn from the user's account into a predetermined account of the overseas money transfer company.

  In addition, when the overseas remittance settlement terminal 100 of the present embodiment is a dedicated terminal for overseas remittance via the overseas remittance system 300, it is uniquely understood in advance that it is a debit settlement with respect to the overseas remittance system 300. it can. Therefore, the individual identification information (terminal individual number) of the overseas remittance settlement terminal 100 is registered in advance in the debit settlement system 200 and the financial institution, and the individual identification information of the overseas remittance settlement terminal 100 is stored in the debit settlement transmission data. By including, debit payment can be made with the overseas remittance company as the payment destination.

  When the debit payment control unit 1011 transmits the debit payment transmission data to the debit payment system 200 and makes a debit payment request, the debit payment control unit 1011 receives the debit payment result from the debit payment system 200. Processing between the debit payment system 200 and the financial institution will be described later.

  The debit settlement control unit 1011 determines whether or not the debit settlement result received from the debit settlement system 200 is “OK”, and if it is “OK”, outputs that fact to the overseas remittance control unit 1012 ( Notice.

  When the debit settlement result is OK, the overseas remittance control unit 1012 starts the overseas remittance process with the debit settlement amount as the remittance amount. The overseas remittance control unit 1012 generates overseas remittance request data including the remittance amount corresponding to the settlement amount that has been debited and the overseas remittance card information associated with the overseas remittance setting information, and transmits the data to the overseas remittance system 300. .

  Here, the overseas remittance card Cr used in the overseas remittance settlement terminal 100 and the overseas remittance system 300 will be described. As described above, the overseas remittance system 300 is a computer system provided by an overseas remittance company different from the financial institution where the account for debit payment is established, and includes overseas remittance setting information preset by the user. Overseas remittance is performed using the associated overseas remittance card Cr.

  FIG. 3 is a diagram illustrating a configuration block example of the overseas remittance system 300. The overseas remittance system 300 is a management server configured by a server device that performs overseas remittance. The overseas remittance system 300 includes a communication control unit 310, a control unit 320, and a storage unit 330. The control unit 320 further includes a remittance control unit 321 that performs overseas remittance processing based on the overseas remittance request data transmitted from the overseas remittance settlement terminal 100, a remittance information setting unit 322 that performs setting registration of remittance information by the user, and A remittance result notifying unit 323 for notifying a remittance result for an overseas remittance request received by a predetermined communication device 400 held by the user is configured.

  The communication control unit 310 performs communication control via each network between the overseas remittance settlement terminal 100, the overseas financial institution, and the communication device 400 owned by the user. For convenience of explanation, the communication connection unit 310 is illustrated as an example of a mode of connection using different networks 1, 2, and 3 for each connection destination. However, these networks may be the same network. In addition, communication via each network 1, 2, 3 may be wired or wireless, and each network 1, 2, 3 may be configured by an IP network, a closed IP network, a predetermined dedicated line, or the like. it can.

  FIG. 4 is a diagram showing an example of overseas remittance setting information. The user connects to the overseas remittance system 300 from an arbitrary computer device, and information for identifying an individual such as the user's name, address, telephone number, and e-mail address as remittance source information, and the name of the remittance destination as remittance destination information ( The overseas remittance setting information including information specifying the remittance destination and recipient such as name), address, recipient financial institution code, recipient account number, correspondent destination, etc. is registered in advance in the overseas remittance system 300.

  Based on the connection request from the user, the remittance information setting unit 322 of the overseas remittance system 300 displays a predetermined registration screen on the computer device operated by the user and stores the overseas remittance setting information input via the registration screen. Store in the unit 330. The overseas remittance system 300 issues an overseas remittance card Cr for the overseas remittance setting information registered by the user.

  At this time, the remittance information setting unit 322 can control the remittance source information so that one or more remittance destination information can be registered, and the overseas remittance setting information shown in FIG. Allow multiple settings. The remittance information setting unit 322 gives a remittance destination number that uniquely identifies the remittance destination information for each remittance destination information, and gives a remittance card number that has a one-to-one relationship with the remittance destination number. When the user registers a plurality of remittance destinations, the user has a plurality of overseas remittance cards Cr corresponding to the remittance destinations.

  The overseas remittance system 300 can issue an overseas remittance card Cr for each remittance card number, and the issued overseas remittance card Cr is delivered to the user from the overseas remittance company and is held by the user like the debit card Cc. To do. When performing overseas remittance with the overseas remittance system 300, the user can perform overseas remittance from the overseas remittance settlement terminal 100 by using the overseas remittance card Cr together with the debit card described above.

  FIG. 5 to FIG. 7 are diagrams showing an example of a flowchart of debit processing and overseas remittance processing of the overseas remittance settlement terminal 100 of the present embodiment.

  First, a person who operates the overseas remittance settlement terminal 100 turns on a power button (not shown) and activates the overseas remittance settlement terminal 100. The display control unit 1013 displays a predetermined job selection menu screen on the display device 110 when the power button is turned on. The operator selects “overseas remittance” on the job selection menu screen via the input device 110. As a result, the overseas remittance settlement terminal 100 is in a state where it can perform debit processing and overseas remittance processing using two cards.

  Next, the overseas remittance settlement terminal 100 (control unit 101) controls the display device 110 to display an input screen for prompting input of the remittance amount including the overseas remittance fee via the display control unit 1013. The user or the operator who receives the instruction from the user inputs the remittance amount for overseas remittance from the input device 130 (S101). At this time, the input remittance amount can be an amount including a remittance fee. The user can input the total amount obtained by adding the remittance fee to the remittance amount from the input device 130.

  After the remittance amount is input, the control unit 101 controls the card information reading device 120 so that the card information of the user's overseas remittance card Cr can be read. The control unit 101 controls the display device 110 to display a message prompting the reading operation of the overseas remittance card Cr on the input screen via the display control unit 1013. The operator causes the card information reading device 120 to scan the overseas remittance card Cr and causes the overseas remittance settlement terminal 100 to read the card information (S102).

  The control unit 101 performs a determination process for the read overseas remittance card Cr (S103). Specifically, it is a validity check of the overseas remittance card Cr. For example, it is checked whether the data array of the remittance card number included in the card information or the customer ID of the user who is the remittance is a predefined data string, or using a predetermined check digit included in the card information The validity of the remittance card Cr is determined.

  After determining that the overseas remittance card Cr is valid (YES in S104), the control unit 101 performs a continuous remittance determination process by the overseas remittance control unit 1012 (S105). The continuous remittance determination process is performed before the card information of the debit card Cc is read, when the remittance amount is input through the input device 130, and when the card information of the overseas remittance card Cr is read. Referring to FIG. 4, it is determined whether or not the overseas remittance card Cr (card information) and the payment amount are the same continuous overseas remittance.

  When it is determined that the overseas remittance card Cr and the settlement amount are the same continuous overseas remittance (YES in S105), the control unit 101 confirms that the same continuous overseas remittance is made via the display control unit 1013. Control is performed so that a message alerting the user is displayed on the display device 130 (S106).

  Here, the overseas remittance settlement terminal 100 stores, in the storage unit 103, transaction information corresponding to the overseas remittance request data that has been processed for overseas remittance through debit settlement, as will be described later. FIG. 8 is a diagram showing an example of transaction information, including a settlement information center code, withdrawal execution date, terminal unique number, slip number, processing serial number, approval number, withdrawal bank code, withdrawal bank branch code, withdrawal bank account number, It includes a withdrawal amount, remittance card number, remittance card information, and status.

  The withdrawal bank code, the withdrawal bank branch code, and the withdrawal bank account number are card information of the debit card Cc, and the withdrawal amount corresponds to the remittance amount. The remittance card information is a data string of all information included in the card information of the overseas remittance card Cr. The payment information center code is identification information of a plurality of debit payment systems 200. The terminal unique number is an individual identification number of the overseas remittance settlement terminal 100. The status indicates each state of the debit settlement result and the approval result for the overseas remittance request. For example, when both the debit settlement result and the approval result for the overseas remittance request are OK, “normal processing” is set as the status. Retained.

  The control unit 101 uses the transaction information shown in FIG. 8 for each overseas remittance card Cr as the debit processing and overseas remittance processing history (transaction history) by the debit settlement control unit 1011 and the overseas remittance control unit 1012. Even the remittance card Cr is appropriately stored in the storage unit 103 for each overseas remittance process.

  The control unit 101 receives a confirmation OK input from the user or operator in response to a confirmation message that is the same continuous overseas remittance (YES in S107) or when it is determined that the remittance is not continuous. (No in S105), the display control unit 1013 is controlled to display a message prompting the card information reading device 120 to read the card information of the debit card Cc on the display device 110.

  The overseas remittance settlement terminal 100 according to the present embodiment can handle overseas remittances of a plurality of users, or even a single user can handle a plurality of overseas remittances with different overseas remittance cards Cr. The intention to perform continuous remittance by performing the continuous remittance determination process, and in the case of the same continuous overseas remittance, displaying the fact that the remittance is continuous on the display device 130 and prompting the user or operator to confirm. By confirming that overseas remittance is performed after confirming this, remittance mistakes and debit settlement mistakes due to different overseas remittances between multiple users or by the same user can be suppressed. Overseas remittance service based on debit payment can be provided.

  The control unit 101 displays a message that prompts the display device 110 to read the debit card Cc via the display control unit 1013 after the validity determination process and the continuous remittance determination process of the overseas remittance card Cr. The operator causes the card information reader 120 to scan the debit card Cc and causes the overseas remittance settlement terminal 100 to read the card information (S108).

  Similarly to step S103, the control unit 101 performs a process for checking the validity of the card (debit card determination process) for the read debit card Cc (S109). For example, the validity of the debit card Cc is determined by checking a predetermined check digit included in the card information of the debit card Cc.

  If the result of the determination process for the debit card Cc is OK (YES in S110), the control unit 101 displays a message prompting the user to input confidential information for the debit card Cc via the display control unit 1013. Control to display on. The user inputs confidential information such as a personal identification number of the debit card Cc from the input device 130 (S111).

  Next, the debit payment control unit 1011 generates debit payment transmission data to be transmitted to the debit payment system 200. At this time, the confidential information input from the user can be scrambled, and the confidential information can be obfuscated (S112). The control unit 101 generates debit payment transmission data including the card information of the read debit card Cc, the payment amount specified by the user, and the scrambled confidential information (S113).

  The debit payment control unit 1011 encrypts the generated debit payment transmission data for transmission to the debit payment system 200 (S114). For the encryption processing, for example, a known algorithm such as a common key cryptosystem or a public key cryptosystem can be used. If there is an encryption algorithm designated in advance by the debit payment system 200, the debit payment control unit 1011 can perform a process of encrypting the transmission data for debit payment with the designated encryption algorithm.

  In addition, the exchange of encrypted data between the overseas remittance settlement terminal 100 and the debit settlement system 200 and between the overseas remittance settlement terminal 100 and the overseas remittance system 300 is appropriately defined in consideration of information security. can do. The overseas remittance settlement terminal 100 performs an encryption process using any of the above-described or designated encryption algorithms.

  As shown in FIG. 6, the debit payment control unit 1011 performs a transmission process of transmitting the encrypted debit payment transmission data to the debit payment system 200 (S115). Specifically, the debit payment control unit 1011 first connects to the debit payment system 200 via the communication control unit 102 (S116). At this time, a connection confirmation message including authentication processing is exchanged with the debit payment system 200, and a session is established. After receiving the connection establishment message (YES in S117), the debit payment control unit 1011 transmits the encrypted debit payment transmission data to the debit payment system 200 (S118).

  The debit payment control unit 1011 receives the debit payment result from the debit payment system 200 (S119). At this time, when the debit payment result cannot be received from the debit payment system 200, the debit payment control unit 1011 determines that the debit payment is not established, for example, an elapsed time since the transmission of the debit payment transmission data. When the debit payment result cannot be received from the debit payment system 200 even after a predetermined time has elapsed, the process proceeds to step S122, and the debit cancellation process can be performed.

  The debit cancellation process is, for example, a process of generating predetermined transmission data for requesting cancellation of debit payment corresponding to the transmission data for debit payment and transmitting it to the debit payment system 200. The debit payment system 200 can generate transmission data including information excluding confidential information from the debit payment transmission data and predetermined code information that allows the debit payment system 200 to identify the payment cancellation.

  After receiving the debit payment result, the debit payment control unit 1011 blocks communication with the debit payment system 200 via the communication control unit 102 (S120), and the content of the debit payment result is “settlement OK”. Is determined (S121).

  The debit settlement result includes, for example, codes and messages indicating settlement OK (successful), settlement NG (unsuccessful), and the debit settlement control unit 1011 determines whether or not the debit settlement is OK based on the debit settlement result. Can be determined.

  When the debit settlement result is “settlement OK”, the debit settlement control unit 1011 causes the overseas remittance control unit 1012 to perform the overseas remittance processing with the debit settlement result being OK or the remittance amount debit settled. Output a control signal.

  The overseas remittance control unit 1012 starts an overseas remittance process via the overseas remittance system 300 based on the debit settlement result being OK (S123). As shown in FIG. 7, the overseas remittance control unit 1012 includes an overseas remittance request including the remittance amount corresponding to the debited settlement amount and the card information of the overseas remittance card Cr associated with the overseas remittance setting information shown in FIG. 4. Data is generated (S124).

  Then, the overseas remittance control unit 1012 connects to the overseas remittance system 300 via the communication control unit 102 (S125), and based on the exchange of the connection confirmation message including the authentication process performed with the overseas remittance system 300, Establish a session. After receiving the connection establishment message (YES in S126), the overseas remittance control unit 1012 transmits the overseas remittance request data to the overseas remittance system 300 (S127).

  The overseas remittance control unit 1012 receives the overseas remittance approval result from the overseas remittance system 300 from the overseas remittance system 300 (S128). When receiving the overseas remittance approval result (YES in S128), the overseas remittance control unit 1012 cuts off communication with the connected overseas remittance system 300 via the communication control unit 102 (S129), and requests for overseas remittance. It is determined whether or not the content of the approval result for is “approval OK” (S130).

  The approval result for the overseas remittance request includes, for example, a code or a message indicating approval OK (established), approval NG (not established), etc., and the overseas remittance control unit 1012 determines the overseas remittance request based on the approval result for the overseas remittance request. It is possible to determine whether or not the remittance processing has been normally approved.

  If the approval result for the overseas remittance request is “approval OK” (YES in S130), the control unit 101 (or the overseas remittance control unit 1012) generates the transaction information shown in FIG. 8 and stores it in the storage unit 103. At the same time (S131), the overseas remittance control unit 1012 outputs to the print control unit 1014 a print instruction for the slip 1 indicating that the overseas remittance system 300 has successfully accepted the overseas remittance based on debit payment. The print control unit 1014 controls the printing apparatus 140 to print the slip 1 (S132).

  FIG. 9 is a diagram showing an example of a slip 1 printed by the overseas remittance settlement terminal 100 of the present embodiment. As shown in FIG. 9, voucher 1 is an account transfer voucher for overseas remittance based on debit settlement, and the overseas remittance was successfully accepted along with the voucher number, terminal number, use date / time, remittance card number, and remittance amount. Various information such as a message (for example, “Thank you for your use. The remittance acceptance notice will be delivered to customers via SMS and E-mail”) is printed. These pieces of information can be acquired by the print control unit 1014 from the transaction information stored in the storage unit 103.

  Next, debit settlement cancellation processing will be described. As shown in FIG. 7, after the debit settlement is performed by the debit settlement control unit 1011, when the overseas remittance processing cannot be performed normally, the settlement of the remittance amount that has been debit settled as the funds for the overseas remittance is canceled. There is a need. This is to cancel the user's payment for the money not repatriated overseas.

  In the debit payment cancellation process, if the communication connection between the overseas remittance settlement terminal 100 and the overseas remittance system 300 cannot be performed in step S126, or if the overseas remittance approval result cannot be received from the overseas remittance system 300 in step S128, When the approval result received from the overseas remittance system 300 in step S130 is “approval NG” (other than approval OK), the debit settlement control unit 1011 executes the approval result. If the overseas remittance control unit 1012 is NO in each of these steps, the overseas remittance processing is terminated, and the debit settlement control unit 1011 proceeds to step S133, via the communication control unit 102 as in step S116. To the debit payment system 200.

  After receiving the connection establishment message (YES in S134), the debit payment control unit 1011 generates predetermined transmission data for requesting cancellation of the debit payment corresponding to the debit payment transmission data, similarly to step S122. It transmits to the debit payment system 200 (S135). The debit settlement control unit 1011 receives the debit cancellation result from the debit settlement system 200 (S136).

  After receiving the debit cancellation result, the debit payment control unit 1011 blocks communication with the debit payment system 200 via the communication control unit 102 (S137), and the debit payment cancellation is canceled based on the debit cancellation result. It is determined whether or not the process has been performed normally (S138). The debit cancellation result includes, for example, codes and messages indicating cancellation OK (cancel establishment), cancellation NG (cancel establishment).

  When the debit cancellation result is “cancel OK”, the debit settlement control unit 1011 indicates in the “status” shown in FIG. 8 that the debit settlement cancellation processing is normally performed and overseas remittance is not performed. Transaction information including the indicated code and message is generated and stored in the storage unit 103 (S139). At this time, in the “status” of the transaction information, for example, information (for example, “abnormal process 1”) indicating that the debit payment cancellation process is normally performed and the overseas remittance stop process is normally completed is stored. can do.

  The debit payment control unit 1011 outputs to the print control unit 1014 a print instruction for the slip 2 indicating that debit payment cancellation by the debit payment system 200 accompanying the cancellation of overseas remittance has been normally accepted. The print control unit 1014 controls the printing apparatus 140 to print the slip 2 (S140).

  FIG. 10 is a diagram illustrating an example of a slip 2 printed by the overseas remittance settlement terminal 100 according to the present embodiment. As shown in FIG. 10, slip 2 is an account withdrawal slip similar to slip 1 shown in FIG. 9, but a message indicating that overseas remittance was not accepted (for example, “could not transfer money”) is printed. The These pieces of information can be stored in advance in the storage unit 103 in accordance with the status of transaction information (abnormal process 1).

  On the other hand, if communication connection between the overseas remittance payment terminal 100 and the debit payment system 200 cannot be made in step S134, or if the debit payment cancellation result cannot be received from the debit payment system 200 in step S136, the debit payment is made in step S138. When the approval result received from the payment system 200 is “cancel NG” (other than cancel OK), the debit payment control unit 1011 correctly performs the debit payment cancellation processing in the “status” shown in FIG. Transaction information including a code and a message (for example, abnormal process 2) indicating that the overseas remittance process has been forcibly terminated is generated and stored in the storage unit 103 (S141).

  The debit payment control unit 1011 forcibly terminates the overseas remittance processing and outputs a print instruction for the slip 3 indicating that the debit payment cancellation by the debit payment system 200 has not been normally accepted to the print control unit 1014. The print control unit 1014 controls the printing apparatus 140 to print the slip 3 (S142).

  FIG. 11 is a diagram illustrating an example of the slip 3 printed by the overseas remittance settlement terminal 100 according to the present embodiment. As shown in FIG. 11, the slip 3 is an account withdrawal slip similar to the slip 2 shown in FIG. 10, but the message (for example, the remittance of the debit settlement is not normally accepted without accepting the overseas remittance). , "Overseas remittance and debit processing has been forcibly terminated. Please confirm the debit and overseas remittance are established.") Is printed. These pieces of information can be stored in advance in the storage unit 103 in accordance with the status of transaction information (abnormal processing 2).

  If the card determination process of the overseas remittance card Cr is NG in step S104, if the user or the operator performs an operation input not to perform continuous remittance for continuous remittance in step S107, the debit card is determined in step S110. If the card determination process is NG, the control unit 101 proceeds to step S143, and can perform display processing for displaying various messages on the display device 110 via the display control unit 1013.

  For example, if the card determination processing of the overseas remittance card Cr is NG in step S104, the control unit 101 displays “Not an overseas remittance card (or compatible overseas remittance card) in the display device 110 in step S143. Please scan again. "Message can be displayed.

  Further, when the user or the operator performs an operation input that does not perform continuous remittance for continuous remittance in step S107, the control unit 101 displays “end remittance processing” on the display device 110 in step S143. A message can be displayed.

  In addition, when the card determination process of the debit card is NG in step S110, the control unit 101 displays “not a debit card (or a suitable debit card) on the display device 110 in step S143. Please display the message.

  Furthermore, if communication connection between the overseas remittance settlement terminal 100 and the debit settlement system 200 cannot be established in step S117 shown in FIG. 6, the debit settlement result cannot be received from the debit settlement system 200 in step S119, and step S122 is performed. When the debit cancellation processing is performed in step S121, if the debit payment result received from the debit payment system 200 in step S121 is “settlement NG” (other than payment OK), the control unit 101 proceeds to step S140. The print instruction for the slip 2 shown in FIG. 10 can be output to the print control unit 1014 to print the slip 2.

  As described above, the overseas remittance settlement terminal 100 performs a process of automatically canceling the settlement of the remittance amount that has been debited when the overseas remittance process cannot be normally performed. The operator may separately perform a procedure for canceling the debit payment. In this case, the overseas remittance settlement terminal 100 terminates the process without generating or transmitting predetermined transmission data for requesting cancellation of the debit settlement by the debit settlement control unit 1011 as the debit settlement cancellation process, and the display device 110 can be configured to display an error message, or can be configured to print the slip 2 and slip 3 shown in FIGS.

  In addition, as a mode in which the user or the operator separately performs the procedure for canceling the debit payment, the debit payment system 200 is called from a reception desk established by the debit payment system 200 or from a computer device operated by the user or the operator. The user or the operator can perform a debit payment cancellation application procedure from a predetermined payment cancellation screen provided by the debit payment system 200.

  Further, processing for generating or transmitting predetermined transmission data for requesting cancellation of debit payment by the debit payment control unit 1011 shown in FIG. 7 is individually configured as a function performed by a user or an operator, and an overseas remittance payment terminal. It can also be configured to be performed by the machine 100. For example, the overseas remittance payment terminal 100 displays a menu screen on which the debit payment cancellation function can be selected on the display device 110, and the user or the operator himself selects the debit payment cancellation function from the menu screen. The debit payment control unit 1011 can generate or transmit predetermined transmission data for requesting cancellation of the debit payment based on the selection of the debit payment cancellation function. The same applies to the debit cancellation processing in step S122 shown in FIG.

  FIG. 12 is a flowchart showing a processing flow of debit settlement performed between the overseas remittance settlement terminal 100, the debit settlement system 200 and the financial institution of the present embodiment. In the example of FIG. 12, each process of the overseas remittance settlement terminal 100 is assigned the same reference numeral as the corresponding process shown in FIG.

  As shown in FIG. 12, when receiving a connection request from the overseas remittance payment terminal 100, the debit payment system 200 performs an authentication process for determining connection permission (S301). For example, the debit payment system 200 receives a connection request including an identification ID such as a terminal unique number from the overseas remittance payment terminal 100, matches with a previously registered terminal unique number, and determines connection permission. it can.

  When it is determined that the authentication process for determining connection permission is OK, the debit payment system 200 transmits a connection permission response message to the overseas remittance payment terminal 100 and establishes a session (S302).

  After the session is established, the debit payment system 200 receives the debit payment transmission data described above from the overseas remittance payment terminal 100 and performs data check of the received debit payment transmission data. For example, it is checked whether the transmission data for debit payment is processable data, and if it is determined that the data check process is OK (YES in S303), the debit payment system 200 displays the user who performs the debit payment. Debit data to be transmitted to the financial institution where the account is opened is generated (S304).

  The debit payment system 200 can generate debit data including a payment amount for the corresponding financial institution from the financial institution code and the account number included in the received debit payment transmission data. It transmits to the financial institution (S305).

  The financial institution compares the balance of the account corresponding to the account number with the amount requested for debit payment, and if the amount requested for debit payment is smaller than the balance of the account (S401), the debit payment processing (user's Debit payment processing from the account and deposit processing of the debit amount to the designated account) are performed (S402), and the debit payment result “settlement OK” is transmitted to the debit payment system 200 (S403). When receiving the debit payment result from the financial institution, the debit payment system 200 notifies the overseas remittance payment terminal 100 of the debit payment result received from the financial institution as a debit response process (S306).

  The same applies to the debit payment cancellation processing described above. The debit payment system 200 receives predetermined transmission data for requesting cancellation of the debit payment corresponding to the debit payment transmission data from the overseas remittance payment terminal 100. When received, debit cancellation data corresponding to the debit data once transmitted to the financial institution is generated and transmitted to the corresponding financial institution. The financial institution performs a predetermined cancellation process for the debit payment once received, and transmits the result of the debit cancellation process to the debit payment system 200. The debit payment system 200 transmits the received debit cancellation result to the overseas remittance payment terminal 100.

  FIG. 13 is a flowchart showing a processing flow of overseas remittance performed between the overseas remittance settlement terminal 100, the overseas remittance system 300 and the overseas financial institution of the present embodiment. In the example of FIG. 12, each process of the overseas remittance settlement terminal 100 is assigned the same reference numeral as the corresponding process shown in FIG.

  As shown in FIG. 13, when receiving the connection request from the overseas remittance settlement terminal 100, the overseas remittance system 300 (control unit 320) performs an authentication process for determining connection permission (S501). For example, the overseas remittance system 300 receives a connection request including an identification ID such as a terminal unique number from the overseas remittance settlement terminal 100, matches with a previously registered terminal unique number, and determines connection permission. it can.

  If it is determined that the authentication process for determining connection permission is OK, the overseas remittance system 300 transmits a connection permission response message to the overseas remittance settlement terminal 100 and establishes a session (S502).

  After the session is established, the overseas remittance system 300 (remittance control unit 321) receives the above-described overseas remittance request data from the overseas remittance settlement terminal 100, and performs a reception response process (S503). Since the overseas remittance setting information registered by the user is stored in the storage unit 330 of the overseas remittance system 300, as the reception response process, the overseas remittance setting information associated with the card information of the overseas remittance card Cr and the received overseas remittance information are stored. The remittance request data is matched and a remittance card number, a customer ID, and the like are added to determine whether or not the overseas remittance request data is normal data based on the overseas remittance card Cr. When it is determined that the overseas remittance request data is normal data based on the overseas remittance card Cr, the overseas remittance system 300 transmits the overseas remittance approval result “approval OK” to the overseas remittance settlement terminal 100.

  When the overseas remittance system 300 (remittance control unit 321) determines that the received overseas remittance request data is normal data based on the overseas remittance card Cr, the overseas remittance request data 321 is based on the debit settlement received from the overseas remittance settlement terminal 100. Based on the remittance request data and the overseas remittance setting information, the overseas remittance processing to the corresponding remittance destination is performed (S504).

  Specifically, a remittance instruction message for the remittance destination associated with the remittance card number of the overseas remittance card Cr is generated with the remittance amount included in the overseas remittance request data and transmitted to the overseas financial institution (S505). The overseas financial institution transmits a reception response message to the remittance instruction message received from the overseas remittance system 300 to the overseas remittance system 300, or deposits the remittance amount specified based on the received remittance instruction message to the corresponding account. A response message to that effect is transmitted to the overseas remittance system 300 (S601).

  When the overseas remittance system 300 (remittance control unit 321) receives a reception response message to the remittance instruction message from the overseas financial institution or a response message indicating that the money has been transferred to the account of the remittance destination, it generates an overseas remittance history shown in FIG. And stored in the storage unit 330 (S506). Then, based on the overseas remittance history, the overseas remittance system 300 includes a predetermined message indicating that the remittance destination has been transferred to the remittance destination using the e-mail address or the like in the communication device 400 owned by the user. A remittance result notification is made (S507).

  As described above, the present embodiment uses an overseas remittance settlement terminal 100 that can be connected via a network to a debit settlement system 200 that is affiliated with a financial institution in which a user has opened an account. Overseas remittance can be performed in cooperation with the overseas remittance system 300 where the business operator remits money overseas, and the user can transfer from the account of a financial institution that has established a salary transfer account to an overseas remittance business (designated account). Even if the funds are not transferred, an overseas remittance company different from the financial institution in which the user has opened an account can perform the overseas remittance.

  In particular, the user can make an overseas remittance from the overseas remittance system 300 using an arbitrary debit card Cc (cash card) of each financial institution affiliated with the debit settlement system 200, so convenience is improved. In addition, the overseas remittance system 300 does not identify which financial institution is (no need for cooperation with each financial institution), and based on the payment of the remittance amount of the same debit settlement, the amount specified by the user Money can be sent to financial institutions, and the efficiency of the system can be improved.

  In addition, it is possible to provide a convenient overseas remittance service not only for Japanese but also for foreigners in Japan. For example, foreigners residing in Japan have established salary transfer accounts at financial institutions, but operations at bank ATMs and Internet banking are unfamiliar and may not allow easy overseas remittance. However, in the overseas remittance support system according to the present embodiment, a sales employee carries the overseas remittance settlement terminal 100 directly to a foreign company in Japan and uses the debit card Cc and the overseas remittance card Cr held by the user. As a result, it is possible to perform overseas remittance to a remittance designated by the user on the spot without transferring funds from the account. Further, since the voucher 1 and the like can be printed on the spot by the printing apparatus 140 and delivered to the user as a copy slip, the user and the sales staff confirm the intention and contents of the overseas remittance performed by the user on the spot. be able to. For this reason, overseas remittance can be completed safely and easily.

100 overseas remittance settlement terminal 101 control unit 1011 debit settlement control unit 1012 overseas remittance control unit 1013 display control unit 1014 print control unit 102 communication control unit 103 storage unit 110 display device 120 card information reading device 130 input device 140 printing device 200 debit Settlement system 300 Overseas remittance system (management server)
310 communication control unit 320 control unit 321 remittance control unit 322 remittance information setting unit 323 remittance result notification unit 330 storage unit 400 communication device Cc debit card Cr overseas remittance card

Claims (6)

A settlement system for performing debit payment in which a user cooperates with a financial institution that has opened an account, and withdraws the amount designated by the user from the account of the financial institution through a debit card held by the user, and is different from the financial institution An overseas remittance settlement terminal linked with an overseas remittance system that provides an overseas remittance card with an overseas remittance card provided by a remittance company and associated with overseas remittance setting information preset by the user,
A card information reader for reading card information of each of the debit card and the overseas remittance card;
The read debit card information, the payment amount specified by the user, and the debit card confidential information input by the user, for debit payment with the overseas remittance company as the payment destination Sending debit payment transmission data to the payment system and receiving a debit payment result from the payment system;
When the debit settlement result is OK, the overseas remittance request data including the remittance amount corresponding to the debit settlement amount and the card information of the overseas remittance card associated with the overseas remittance setting information is sent to the overseas remittance system. An overseas remittance control department to send to
An overseas remittance settlement terminal characterized by comprising: The overseas remittance control unit receives a response result from the overseas remittance system for transmission of the overseas remittance request data,
The debit settlement control unit corresponds to the settlement amount that has been debit settled when the response result is a result indicating that an overseas remittance request cannot be received or when the response result cannot be received from the overseas remittance system. 2. The overseas remittance settlement terminal according to claim 1, wherein debit settlement cancellation processing is performed for transmitting debit settlement cancellation data to be transmitted to the settlement system. An input device operated by the user, a display device, and a storage device for storing transaction information corresponding to the overseas remittance request data;
The overseas remittance control unit, when the card information of the debit card is read, the payment amount is input via the input device, and the card information of the overseas remittance card is read. With reference to the transaction information, it is determined whether or not the overseas remittance card and the settlement amount are the same continuous overseas remittance, and it is determined that the overseas remittance card and the settlement amount are the same continuous overseas remittance. 3. The overseas remittance settlement terminal according to claim 1 or 2 , wherein , in such a case, the message for confirming that the same continuous overseas remittance is displayed on the display device.   4. The printing apparatus according to claim 1, further comprising a printing device that prints a predetermined slip relating to an overseas remittance request based on debit payment based on a response result to the transmission of the overseas remittance request data received from the overseas remittance system. The overseas remittance settlement terminal described in any one of the above.   5. The overseas remittance settlement terminal according to claim 1, wherein the overseas remittance settlement terminal is a portable terminal. An overseas remittance settlement terminal that can be connected to a settlement system that performs debit settlement in which a user designates an amount specified by a user through a debit card held by the user through a debit card held by the user, through a debit card held by the user. An overseas remittance support system in cooperation with an overseas remittance system in which an overseas remittance company different from the financial institution performs overseas remittance,
The overseas remittance settlement terminal is
A card information reading device that reads card information of each of the overseas remittance cards associated with the overseas remittance setting information preset by the user using the debit card and the overseas remittance system;
The read debit card information, the payment amount specified by the user, and the debit card confidential information input by the user, for debit payment with the overseas remittance company as the payment destination Sending debit payment transmission data to the payment system and receiving a debit payment result from the payment system;
When the debit settlement result is OK, the overseas remittance request data including the remittance amount corresponding to the debit settlement amount and the card information of the overseas remittance card associated with the overseas remittance setting information is sent to the overseas remittance system. An overseas remittance control unit that transmits to
The overseas remittance system
A storage unit for storing the overseas remittance setting information associated with the card information of the overseas remittance card;
A remittance control unit that performs overseas remittance processing to a remittance destination based on the overseas remittance request data based on the debit settlement received from the overseas remittance settlement terminal and the overseas remittance setting information;
An overseas remittance support system, comprising: a notification unit that transmits a result of the overseas remittance process to a predetermined communication device owned by the user.

Images