JP6475790B2 - Financial settlement system, financial settlement method, and financial settlement program - Google Patents

Description

  The present invention relates to a financial settlement system for cashing electronic money.

  With the spread of electronic money, payment by electronic money is becoming possible at an individual terminal regardless of where the user is. Various systems that can exchange not only general merchandise but also foreign currency using electronic money as a medium have been proposed (Patent Document 1 and Patent Document 2).

  In the electronic money exchange method described in Patent Document 1, an automatic transaction apparatus connected to a host computer is used to hold electronic money from a customer account to an IC card and from an IC card on which electronic money is held to a customer account. In the electronic money exchange method in the electronic money system for depositing electronic money, the exchange rate is stored in the storage device of the host computer in advance, and the currency of the account when the electronic money is suspended or deposited by the automatic transaction apparatus When the currency of the electronic money is different from the currency of the electronic money, the invention exchanges the currency with the electronic money based on the exchange rate stored in the storage device of the host computer, and holds the electronic money or deposits the electronic money with the exchanged currency Is disclosed.

  Patent Document 2 discloses a portable terminal system and an electronic money exchange server that can automatically exchange electronic money in a currency stored in a non-contact IC of a portable terminal into electronic money in a destination currency, particularly when going abroad. And inventions related to portable terminals are disclosed.

Japanese Patent Laid-Open No. 11-66208 JP 2007-26274 A

  However, the exchange by electronic money disclosed in Patent Literature 1 and Patent Literature 2 is to exchange from electronic money to electronic money of another currency, assuming that the currency after exchange is also used as electronic money. is there. That is, cash once converted into electronic money cannot be converted into cash again.

  Therefore, an object of the present invention is to provide a financial transaction system that can be directly cashed from electronic money.

In order to solve the above-described problems, the present invention provides a financial settlement system that performs settlement with electronic money instead of money, and includes a virtual space and a terminal and a financial institution connected via a communication network, and the virtual space includes electronic A site for managing money deposit / withdrawal, an authentication processing unit for determining whether or not a user who accesses the virtual space can make a transaction, and identity verification for managing the deposit / withdrawal of the electronic money in the virtual space for each user The electronic money account unit that has performed the transaction, the terminal inputs data related to the currency after exchange for the transaction for cashing the electronic money in foreign currency, the amount after the exchange, and the user A terminal input unit for designating a place to receive cash; and the financial institution accepts the data input from the terminal input unit and approves a user; and the approval unit Based on the notification output by the cash voucher transaction reception unit, which outputs a notification of the execution of the currency exchange process through the user's approval, and also sends the exchange notification end notification and the exchange document to the terminal. The amount before exchange of the electronic money in the virtual space to be cashed with foreign currency money is calculated from the amount after exchange and the exchange rate, and the electronic money is exchanged at the counter in charge of exchange at the receiving location designated by the user. A currency exchange unit that communicates transactions to be cashed in, and a cashing unit that converts the amount before exchange calculated by the currency exchange unit into an amount after exchange, and cashes the electronic money into the currency after exchange And the exchange note is to receive the cashed foreign currency money that is presented by the terminal to the exchange counter in the receiving place .

The cashing unit according to the financial settlement system of the present invention is characterized in that the electronic money is cashed in a foreign currency within the range of the amount of the electronic money that has been verified in the virtual space. To do.

The cash voucher transaction acceptance unit according to the financial settlement system of the present invention is characterized in that it performs user authentication and accepts acceptance of the data .

The financial settlement system of the present invention has means for lending the electronic money that has been verified to satisfy the account amount of the financial institution into the virtual space, and the cashing unit The electronic money in the virtual space is cashed into foreign currency money.

The present invention is a financial settlement method for settlement with electronic money instead of money, which connects a virtual space of a site that manages the deposit and withdrawal of electronic money, a terminal owned by a user, and a financial institution through a communication network. In the virtual space, the acquisition of the electronic money that has been verified in the virtual space is managed for each user, and in the terminal, the electronic money that has been verified in person is cashed in foreign currency Enter the data related to the currency after exchange and the amount after exchange, specify the location where the user will receive cash in foreign currency, and accept the data input from the terminal at the financial institution to approve the user A step of outputting a notification of execution of currency exchange processing, and the electronic money to be cashed in foreign currency from an amount after exchange and an exchange rate based on the output notification A step of calculating an amount before exchange; a step of converting the calculated amount before exchange into an amount after exchange, and cashing the electronic money into a currency after exchange; and an end notification of the exchange process; Sending a voucher to the terminal, and contacting a transaction counter for cashing the electronic money in foreign currency to a contact person for exchange at a receiving location designated by a user, and executing the receipt of the voucher The information is presented by the terminal to a counter for exchanging places .

The present invention is a financial settlement program for settlement with electronic money instead of money, and is a financial institution connected via a communication network to a virtual space of a site for managing deposit and withdrawal of electronic money and a terminal owned by a user Accepts the currency for the transaction for cashing the electronic money input from the terminal in foreign currency, the data relating to the amount after the exchange, and the location for receiving the cash in the foreign currency designated by the user The electronic money to be cashed in foreign currency is calculated from the amount after exchange and the exchange rate based on the output notification and the function of outputting the exchange processing execution notification after user approval. A function, a function of converting the calculated amount before exchange into an amount after exchange, and cashing the electronic money in the virtual space into a currency after exchange, A function of sending an exchange notice to be presented to the terminal at a place where the terminal receives the exchange processing completion notice and cash received in foreign currency, and the electronic money at the money exchange counter designated by the user And a function of communicating a transaction for cashing in a foreign currency.

  As described above, the present invention is a financial settlement system that handles electronic money in a virtual space, which performs a procedure for depositing the electronic money, accepts an application for a transaction in money, and inputs a transaction amount of the transaction in money. Since the electronic money is cashed into the transaction amount of money on condition that the application for the transaction and the electronic money exist, the electronic money can be directly cashed.

  Since the cashing unit cashes the electronic money within the range of the amount of the electronic money, it can easily and conveniently perform remittance between users and settlement at a partner service / store.

  An approval unit that verifies the user's approval for the transaction using the money, and the cash voucher transaction receiving unit receives the user's approval and accepts the application. You can send foreign currency exchanged to your home or office.

  Since the deposit / withdrawal unit performs the procedure for depositing the electronic money in a virtual space, it can receive an electronic money cashing service from a screen of a portable terminal or a stationary terminal that can access the virtual space. Moreover, the service can be received by remote operation rather than by a financial institution.

  Since the deposit / withdrawal unit performs the deposit procedure on the card storing the electronic money handled by SNS or the like, it is possible to cash the electronic money other than a portable terminal, and the service is provided at a financial institution's window. And can be received remotely.

  Since the cashing unit cashes the electronic money into foreign currency, it is not necessary to prepare money for exchange and can receive a foreign currency exchange service with electronic money.

  Since the cashing unit cashes the electronic money into short-term loan money, even if there is no cash in money in the user's deposit account or the like, it can receive a short-term loan service with electronic money.

It is a block diagram which shows the structure of Embodiment 1 of the financial settlement system which concerns on this invention. It is a sequence diagram which shows the flow of a process of Embodiment 1 of the financial settlement system which concerns on this invention. It is a figure which shows the screen of the terminal of Embodiment 1 of the financial settlement system which concerns on this invention. It is a block diagram which shows the structure of Embodiment 2 of the financial settlement system which concerns on this invention. It is a sequence diagram which shows the flow of a process of Embodiment 2 of the financial settlement system which concerns on this invention. It is a figure which shows the screen of the terminal of Embodiment 2 of the financial settlement system which concerns on this invention.

  The present invention makes it possible to perform payment processing for commercial activities by cashing usable electronic money contracted separately by a customer.

  The best mode for carrying out the financial settlement system according to the present invention will be described below with reference to the drawings.

[Embodiment 1]
First, the first embodiment will be described. In the financial settlement system according to the first embodiment, the balance of electronic money is configured to be cashed by foreign currency exchange.
FIG. 1 is a block diagram showing the system configuration of the present invention.

  A financial settlement system 1 according to the present invention includes a financial institution server 10 that manages transactions and amounts of financial institutions, and a terminal 20 on which a user inputs, and a virtual space 30 such as an external SNS (Social Networking Service). The electronic money 33 dealt with is cashed.

  The financial institution server 10 includes a voucher transaction accepting unit 11, a database 12, a deposit / withdrawal unit 13, a currency exchange unit 14, and a cashing unit 15, and a terminal 20, a virtual space 30 via the communication network 2. Connected with

  More specifically, the voucher transaction accepting unit 11 has a function of accepting and processing a financial transaction, and has an approval unit 11a that authenticates the user and approves the financial transaction. For example, financial transactions include foreign currency exchange and remittance. When the user inputs data related to the financial transaction from the terminal 20, the voucher transaction accepting unit 11 receives the input data related to the financial transaction via the communication network 2, and supervises the processing.

  The approval unit 11a authenticates the user and determines whether the user has an account that allows financial transactions. In addition, the approval unit 11a has a function of performing an approval process of transmitting information about the user such as a user ID to the authentication processing unit 31 of the virtual space 30 and inquiring whether or not the user can make a transaction. The account is an account for managing deposits and loan of funds.

  The database 12 has a function of storing various data (transaction data) such as transactions to be processed by the financial institution server 10. The function of the database 12 may be a general database, and a detailed description thereof will be omitted.

The deposit / withdrawal unit 13 is provided in the server 10 of the financial institution and performs deposit / withdrawal procedures for the electronic money 33 in the virtual space 30 via the communication network 2.
Specifically, the procedure for depositing and withdrawing money between the financial institution account and the electronic money 33 managed by the electronic money account unit 32 is performed, and the balance of the financial institution account and the electronic money 33 is changed. Do.

  The currency exchange unit 14 has a function of determining a financial transaction and / or transaction amount requested from the terminal 20. If the transaction is a foreign currency exchange, for example, the currency and amount before the exchange desired by the user, the currency and the amount after the exchange, etc. are determined.

  The cashing unit 15 has a function of performing a procedure for actually cashing the currency, amount, etc. determined by the currency exchange unit 14. Specifically, the procedure of transferring the currency, amount, etc. from the electronic money account to the actual foreign currency cash preparation or the account of a financial institution within the balance of the account is performed.

  The terminal 20 is a device that a user carries or operates. The terminal 20 may be a portable device such as a mobile phone, a smart phone, a tablet machine, or a laptop computer that can be connected to the communication network 2 that is personally owned by the user, can perform an input operation of the terminal input unit 21, and is a virtual space 30. As long as the electronic money 33 can be used, there is no particular limitation. In addition to a portable device, a stationary device installed in a store or the like may be used as long as the electronic money 33 can be used with a contactless card or a prepaid card.

  The terminal input unit 21 is a screen on which the user inputs data related to financial transactions (transaction input data) on the terminal 20. The transaction input data input by the user from the terminal input unit 21 includes financial transaction type, personal information such as user name and account number, transaction type, amount, type of foreign currency to be exchanged, account selection (electronic money account, Account of a financial institution such as a bank). The terminal input unit 21 may be in the form of application software installed in the terminal 20, ASP (Application Service Provider) installed in the financial institution server 10, and the user inputs transaction input data related to financial transactions at the terminal 20. The form is not limited to this, as long as the transaction input data can be transferred to the voucher transaction acceptance unit 11.

  The virtual space 30 is a site for performing transactions such as SNS, and includes an authentication processing unit 31, an electronic money account unit 32, and electronic money 33. The virtual space 30 may be operated by a financial institution system, a transportation system, a logistics system, or the like, but any virtual space may be used in the present invention.

  The authentication processing unit 31 has a function of determining whether or not a user who accesses the virtual space 30 from the terminal 20 or the financial institution server 10 can perform a transaction. If there is a transaction inquiry, the authentication processing unit 31 determines whether or not the user has been registered, and in the case of a registered user, whether the electronic money account unit 32 is an account authenticated with the personal information of the person, It has a function of checking the balance and returning the result to the terminal 20 or the financial institution server 10.

  The electronic money account unit 32 has a function of managing deposit / withdrawal of electronic money 33 for each user. In general, there are two types of accounts for electronic money 33: accounts that can only be settled (paid) without identity verification, and accounts that can be settled (paid), transferred, and withdrawable with identity verification. However, in the present invention, an account with identity verification is essential for transactions such as money exchange. That is, an account with identity verification is handled as if the user himself / herself agreed on the transaction. In the present invention, the presence / absence of identity verification is managed by the electronic money account unit 32.

  The electronic money 33 is used to settle the storage and movement of money used in electronic commerce in the virtual space 30 by electronic means. The electronic money 33 can be deposited from cash on hand, an account of a financial institution, a credit card, etc., and payment can be settled within the balance.

[Processing sequence]
Next, the flow of processing of the financial settlement system according to the present invention will be described with reference to FIGS.
FIG. 2 is a processing sequence diagram when performing foreign currency exchange as a financial transaction, and FIG. 3 is a diagram showing a screen of the terminal 20.

  First, the user starts an application (not shown) related to a foreign currency exchange transaction from a screen (not shown) displayed on the terminal 20 (step S11). The terminal 20 notifies the authentication processing unit 31 of the virtual space 30 of a user authentication request for requesting user identification (step S12). The authentication processing unit 31 receives the personal authentication request, and checks whether or not the user has the electronic money 33 in the electronic money account unit 32 and whether or not the electronic money 33 has been verified. S13). If the user's electronic money 33 is present in the electronic money account section 32 with “identification confirmed”, it is determined that a currency exchange transaction is possible, and the fact that a financial transaction is possible is indicated as a personal authentication response as a financial authentication response. It transmits to the cash voucher transaction acceptance unit 11 of the institution server 10 (step S16).

  If the user's electronic money 33 is “no personal authentication” in the electronic money account unit 32 and / or if the user's electronic money 33 does not exist, a personal authentication response indicating that the transaction of the financial transaction is impossible. Is transmitted to the terminal 20 (step S14), and a message indicating that the transaction is not possible is displayed (not shown) on the screen displayed on the terminal 20 (step S15).

Next, when the voucher transaction acceptance unit 11 of the financial institution server 10 receives the identity authentication response, the approval unit 11a authenticates the user and determines whether the user has an account capable of financial transaction. If the user is a tradeable user, the user authentication response is stored in the database 12, a financial transaction record is created, and preparation for the start of the financial transaction is made (step S17). Then, a transaction start notification is transmitted to the terminal 20 (step S18).
Here, the financial institution server 10 may be an Internet banking account.

  The terminal 20 receives the transaction start notification and displays a transaction start screen 51 (shown in FIG. 3A) as the terminal input unit 21 (step S19).

  Next, the user presses the “apply” button on the transaction start screen 51 and inputs the user's personal information on the customer information screen 52 (shown in FIG. 3B) (step S20). Next, the receiving location is input on the receiving screen 53 (shown in FIG. 3C) (step S21). If “delivery” is desired as the receiving location, “airport”, “designated window”, etc., and “delivery” can be selected as “home delivery”, “work location delivery”, or the like. In the case of delivery (delivery), the address of the delivery destination is entered on a separate screen (not shown).

Next, on the currency amount input screen 54 (shown in FIG. 3D), the user inputs the currency after exchange and the amount after exchange (step S22). The types of foreign currency that can be traded (US dollar, Korean won, Chinese yuan, etc.) are set in advance by the financial institution server 10. Here, when the type of foreign currency is input from the foreign currency selector 54a (shown in FIG. 3 (d)), the terminal input unit 21 sends an exchange rate notification request for inquiring about the exchange rate (current rate) of the selected foreign currency. It transmits to the ten exchange units 14 (step S23). When receiving the exchange rate notification request, the currency exchange unit 14 transmits to the terminal input unit 21 an exchange rate notification response including the exchange rate on the inquiry date of the foreign currency that was inquired (step S24).
The terminal input unit 21 displays the exchange rate included in the received exchange rate notification response on the exchange rate display unit 54c (shown in FIG. 3D) (step S25).

  Then, an amount of money to be exchanged is input from the amount selection button 54b (shown in FIG. 3 (d)) or the amount is directly input, and the currency amount before the exchange is displayed on the currency amount calculation screen 55 (shown in FIG. 3 (e)) The amount before exchange, the currency after exchange and the amount after exchange are calculated and displayed (step S26).

  When the amount is confirmed by “next”, an electronic money selection screen 56 for displaying the input contents so far is displayed (shown in FIG. 3F). If there is no error in the input of the amount, the receiving method, the receiving location, etc., the electronic money used for payment is selected (step S27). When there are a plurality of electronic money accounts that can be used, a display for selecting electronic money to be used from the plurality of electronic money is performed. If there is no correction in the amount and currency, the user selects electronic money to be traded by “settlement” and presses the “payment” button to request execution of exchange (step S28).

  When the “payment” button is pressed, the terminal input unit 21 sends an approval request including the input personal information, currency, amount before exchange, amount after exchange (foreign currency), transaction date, and the like as transaction input data. Then, it is transmitted to the cash voucher transaction reception unit 11 of the financial institution server 10 (step S29).

  Upon receipt of the transaction input data in the approval request, the voucher transaction acceptance unit 11 stores the transaction input data in the database 12, notifies the exchange unit 14 of the execution of the exchange process, the exchange unit 14 starts the exchange process, and after the exchange From the amount and the exchange rate, the amount before exchange of the electronic money 33 to be cashed in a foreign currency is calculated (step S30). Next, the deposit / withdrawal unit 13 notifies the electronic money account unit 32 of a transaction approval request including the amount before exchange through the approval unit 11a (step S31).

  The electronic money account unit 32 compares and confirms the amount before exchange included in the received transaction approval request and the balance of the electronic money 33 (OK in step S32), and the electronic money 33 is larger than the amount before exchange (the balance is not insufficient). Updates the balance of the electronic money 33 by subtracting the amount before exchange from the electronic money 33 (OK in step S33).

  When the balance update by the exchange of the electronic money 33 is normally completed, the electronic money account unit 32 notifies the approval unit 11a of an approval request response indicating the normal end (step S34).

  The approval unit 11a receives the notification, and then the currency exchange unit 14 executes currency exchange for cashing the electronic money within the range of the balance amount of the electronic money 30, and changes the currency amount before the exchange. Conversion into currency (foreign currency) amount (step S35). Next, the cashing unit 15 executes a procedure for preparing cash for the amount of money after exchange (foreign currency) (step S36). At this time, the electronic money 33 is cashed into the currency after exchange (foreign currency).

  When the cash voucher transaction accepting unit 11 completes the exchange of the cashing unit 15, the processing contents are stored in the database 12 and an exchange book is issued (step S37). Exchange documents (not shown) are displayed on the screen of the terminal 20 and can be read directly from the screen without printing a form, such as a one-dimensional code (such as a barcode) or a two-dimensional code (such as a QR code (registered trademark)). Is preferred.

  Then, the voucher transaction accepting unit 11 sends the exchange end notice and the exchange book to the terminal 20 as the normal end of the exchange (step S38). Further, the currency exchange unit 14 contacts the transaction location at the reception location designated on the receipt screen 53 to the counter in charge of the currency exchange transaction (step S39). Specifically, the receiving transaction data such as transaction date / time, name, and amount is notified to the terminal at the receiving window. Further, in the case of cash delivery, the receipt transaction data is notified to the delivery service counter, and notification is made for cash preparation, delivery arrangement, and the like. The terminal at the reception window may store the received transaction data for each terminal, or may access the database 12 and refer to the unambiguous received transaction data.

  When the terminal 20 receives the notification of the normal end of the exchange, the terminal 20 displays a transaction result screen 57 (shown in FIG. 3 (e)) and an exchange note (not shown) indicating the normal end of the transaction on the screen. (Step S40).

  The user can receive the exchanged foreign currency cash by presenting the exchange note displayed on the terminal 20 on the receipt date at the receiving place (step S41). By reading the one-dimensional code / two-dimensional code of the receipt slip at the receiving place with a reader (not shown), it is confirmed as receipt. At the same time, a receipt completion notice is transmitted from the terminal 20 to the cash voucher transaction acceptance unit 11 (step S42), and the receipt completion notice is stored in the database 12 to complete all transactions (steps S43, S44). ). Further, instead of sending the receipt completion from the terminal 20 in step S42, the receipt completion may be sent from the reader (not shown) at the receipt window to the voucher transaction acceptance unit 11.

  It should be noted that the amount before exchange received by the electronic money account unit 32 and the balance of the electronic money 33 are compared and confirmed to be insufficient (NG in step S32), or the update of the balance of the electronic money 33 has failed (step S33). NG), the electronic money account unit 32 notifies an approval request response indicating that the transaction is impossible (step S51). The approval unit 11a receives the notification, and the voucher transaction reception unit 11 ends the transaction (step S52). Then, the voucher transaction reception unit 11 sends the exchange end notification to the terminal 20 as a transaction impossible (step S53). When the terminal 20 receives a notice of normal termination indicating that the transaction is not possible, the terminal 20 makes a statement (not shown) indicating that the transaction is impossible on the screen, and ends the transaction (step S54).

  As described above, the first embodiment has been described using an example of foreign currency exchange. However, in the present invention, the balance of electronic money with identity verification can be directly cashed from electronic money.

[Embodiment 2]
Next, Embodiment 2 will be described. The financial settlement system according to the second embodiment converts electronic money into a short-term loan (financing). Specifically, due to the shortage of electronic money balance, it may not be possible to make a short-term loan by cashing. In this case, the shortage of electronic money from the financial institution is satisfied, and the amount corresponding to the satisfied electronic money is negatively processed in the account of the user's financial institution. Cash the fulfilled electronic money to make short-term loans.

  First, the configuration of the financial settlement system according to the present invention will be described with reference to FIG. FIG. 4 is a block diagram showing a system configuration according to the second embodiment of the present invention. The configuration for cashing electronic money is basically the same as the configuration of the first embodiment. In the following description, only a configuration in which electronic money is converted into cash and short-term lending will be described.

  A financial settlement system 100 according to the present invention includes a financial institution server 110 that manages financial institution transactions, monetary amounts, and the like, and a terminal 120 on which a user inputs, and in a virtual space 130 such as an external SNS (Social Networking Service). The electronic money 33 to be handled is loaned (financed) for a short period of time.

  The financial institution server 110 includes a voucher transaction reception unit 111, a database 112, a deposit / withdrawal unit 113, and a cashing unit 115, and is connected to the terminal 120 and the virtual space 130 via the communication network 2.

  More specifically, the voucher transaction acceptance unit 111 has a function of executing acceptance and processing of financial transactions. For example, financial transactions include remittance and lending (financing). When the user inputs data related to the financial transaction from the terminal 120, the voucher transaction accepting unit 11 receives the input data related to the financial transaction via the communication network 2, and transmits / receives data to / from the electronic money 130. Oversee various processing.

  The approval unit 111a authenticates the user and determines whether the user has an account that allows financial transactions. In addition, it has a function of performing an approval process for transmitting information related to a user such as a user ID to the authentication processing unit 131 of the virtual space 130 and inquiring whether or not the user can trade. The account is an account for managing deposits and loan of funds.

  The database 112 has a function of storing various data (transaction data) such as transactions processed by the financial institution server 110. The function of the database 112 may be a general database, and a detailed description thereof will be omitted.

The deposit / withdrawal unit 113 is provided in the server 110 of the financial institution, and performs a deposit / withdrawal procedure for the electronic money 133 in the virtual space 130 via the communication network 102.
Specifically, procedures for depositing and withdrawing money between the financial institution account and the electronic money 33 managed by the electronic money account unit 132 are performed, and the balance of the financial institution account and the electronic money 133 is changed. Do.

  The cashing unit 115 has a function of performing a procedure for actually cashing the balance and amount of the electronic money 133. Specifically, a procedure for cashing in an account of a financial institution within the balance of the electronic money 133 is performed.

  The terminal 120 is a machine that the user carries or operates. The terminal 120 may be a portable device such as a mobile phone, a smartphone, a tablet machine, or a laptop computer that can be connected to the communication network 2 personally owned by the user, can perform an input operation of the terminal input unit 121, and is a virtual space 30. There is no particular limitation as long as the electronic money 130 can be used. In addition to a portable device, a stationary device installed in a store or the like may be used as long as the electronic money 133 can be used with a contactless card or a prepaid card.

  The terminal input unit 121 is a screen on which the user inputs data related to financial transactions (loan transaction input data) on the terminal 120. In the second embodiment, the loan transaction input data input by the user from the terminal input unit 21 is the type of financial transaction, loan agreement, account selection (an electronic money account, an account of a financial institution such as a bank), and the like. The terminal input unit 121 may be in the form of application software installed in the terminal 120, ASP (Application Service Provider) installed in the financial institution server 10, or the like. The form is not limited to this as long as data is input and the loan transaction input data can be transferred to the voucher transaction reception unit 111 in the voucher transaction reception unit 111.

  The virtual space 130 is a site for performing transactions such as SNS, and includes an authentication processing unit 131, an electronic money account unit 132, and electronic money 133. Although the virtual space 130 is operated by a financial institution system, a transportation system, a logistics system, or the like, any virtual space may be used in the present invention.

  The authentication processing unit 131 has a function of determining whether or not a user who accesses the virtual space 30 from the terminal 120 or the financial institution server 110 can perform a transaction. If there is a transaction inquiry, the authentication processing unit 131 determines whether or not the user has been registered, and in the case of a registered user, whether the electronic money account unit 132 is an account that has been authenticated with the personal information of the person, It has a function of checking the balance and returning the result to the terminal 120 or the financial institution server 110.

  The electronic money account unit 132 has a function of managing deposit / withdrawal of the electronic money 133 for each user. In general, there are two types of accounts for electronic money 133: accounts that can only be settled (paid) without identity verification, and accounts that can be settled (paid), transferred, and withdrawable with identity verification. However, in the present invention, an account with identity verification is essential for transactions such as currency exchange and loan. That is, an account with identity verification is handled as if the user himself / herself agreed on the transaction. In the present invention, the presence / absence of identity verification is managed by the electronic money account unit 132.

  The electronic money 133 is used to settle the storage and movement of money used in electronic commerce in the virtual space 130 by electronic means. Electronic money 133 can be deposited from cash on hand, an account of a financial institution, a credit card or the like, and payment can be settled within the balance.

[Processing sequence]
Next, the processing sequence of the financial settlement system according to the present invention will be described with reference to FIGS. In addition, FIG. 5 demonstrates the case where it lends to electronic money as a financial transaction.

  First, the user activates a payment screen (not shown) with electronic money from a screen (not shown) displayed on the terminal 120 (step S61). The terminal 120 notifies the authentication processing unit 131 of the virtual space 130 of the user identification request and the payment amount as loan transaction input data (step S62).

  The authentication processing unit 131 confirms whether or not the user has the electronic money 133 in the electronic money account unit 132 and whether or not the electronic money 133 of the electronic money account unit 132 has been verified (step S63). ). If the electronic money 33 exists in the user's electronic money account part 132 with “identification confirmed”, it is determined that a payment transaction is possible.

  The electronic money account unit 132 compares and confirms the received payment amount and the balance of the account. If the balance is not insufficient, the balance of the account is updated by subtracting the payment amount from the account (OK in step S64).

If the electronic money 133 has a shortage of balance (NG in step S64), the electronic money account unit 132 [payment amount = balance of electronic money account + payment request amount] to deposit the shortage amount necessary for payment. A deposit request request including a user ID, a deposit request amount, etc. is transmitted to the cash voucher transaction reception unit 111 of the financial institution server 110 so that (deposit request amount = balance of financial institution account + loan amount) (step S65). ).
Here, the financial institution server 110 may be an Internet banking account.

The voucher transaction accepting unit 111 receives the deposit request, and authenticates whether the user has an account in the financial institution from the user ID by the approval unit 111a (step S66).
If it is determined that the user has an account of a financial institution and the transaction is possible by the personal authentication, the contents of the deposit request are stored in the database 112, a record of the financial transaction is created, and preparation for the start of the financial transaction related to the loan is made (Step S67).

  Next, the voucher transaction acceptance unit 111 inquires whether an amount equal to or greater than the deposit request amount of the deposit request is present in the account of the financial institution (step S68).

If the deposit request amount cannot be paid with the balance of the financial institution's account (YES in step S69), the deposit / withdrawal unit 113 sets the loan amount so that [the deposit request amount = the balance of the financial institution's account + the loan amount]. A process of lending (financing) is performed (step S70).
If the deposit request amount can be paid with the balance of the account of the financial institution (NO in step S69), the lending process is not performed.

  When the deposit amount (including the loan amount) equal to the deposit request amount is prepared, the deposit / withdrawal unit 113 transmits a deposit request response including the deposit amount to the electronic money account unit 132 (step S71). Further, the deposit / withdrawal unit 113 stores the details of the loan transaction in the database 112, and updates the balance of the account of the financial institution with the deposit amount (step S72). At this time, when loan processing is performed, the balance of the account of the financial institution becomes a negative balance due to the loan amount. Then, the processing of the voucher transaction acceptance unit 111 is terminated (step S72).

  The electronic money account unit 132 receives the deposit request response, deposits the deposit amount into the account of the electronic money 133, and updates the balance (step S74). At this time, the balance of the account of the electronic money 133 becomes (payment amount = balance of the account of the electronic money).

  Here, when cashing of the balance of the electronic money 133 is desired (YES in step S75), the amount to be cashed from the cashing screen (not shown) displayed on the terminal input unit 121 of the terminal 120, a financial institution Enter your account. The electronic money account unit 132 transmits a cashing request request including information such as the amount to be cashed and the account of the financial institution to the input financial institution server 110 of the financial institution (step S76).

  Note that the financial institution of the financial institution server 110 that performs the loan transaction in steps S66 to S73 and the financial institution of the financial institution server 110 that performs cashing in steps S77 to S79 described below are preferably different financial institutions. Transactions may be made at the same financial institution.

  When the cash voucher transaction acceptance unit 111 of the financial institution server 110 receives the request for cashing, it stores information such as the amount to be cashed and the account of the financial institution in the database 112. Next, the depositing / withdrawing unit 13 The withdrawal procedure is performed, and the balance of the financial institution's account is updated with the amount to be cashed (step S77).

  Next, the cashing unit 15 executes a procedure for preparing cash of the amount to be cashed (step S78). At this time, the electronic money 133 is cashed. The user can receive cash at an ATM (cash machine, automated) or a financial institution, and the voucher transaction accepting unit 111 ends the transaction (step S79).

Next, the deposit / withdrawal unit 113 transmits a cashing end notice to the effect that the cashing has ended to the electronic money account unit 132 (step S80).
And the electronic money account part 132 which received the notification of the completion of cashing from the deposit / withdrawal part 113 updates the balance of the electronic money 133 (step S81), and sends a transaction end notice to the terminal 120 (step S82). And the electronic money account part 132 of the virtual space 30 complete | finishes transaction (step S83).
When the terminal 120 receives the end notification, the terminal 120 displays a message indicating the end of the transaction (not shown) on the screen and ends the transaction (step S84). At this time, the loan amount may be displayed (not shown).

If the balance of the electronic money 133 is not desired to be cashed (NO in step S75), the payment amount received in step S62 is paid from the electronic money account unit 132 (step S91). At this time, the balance of the account of the electronic money 133 becomes 0.
Then, the electronic money account unit 132 returns a payment response notification indicating that payment has ended to the terminal 120 (step S92).

When the terminal 120 receives the notification of the normal end of payment, the terminal 120 displays a message indicating the normal end of the transaction, and a loan transaction end screen 61 (shown in FIG. 6) indicating the payment amount and balance (step S93). ).
Then, the loan transaction ends (steps S94 and S95).

  As described above, in Embodiment 2, a loan (finance) transaction can be performed. In particular, in the present invention, when the balance of electronic money with identity verification is insufficient, a small amount can be lent to electronic money from an account of a financial institution using a terminal possessed by the user. The user can cash the balance of the electronic money with an account of a financial institution.

  The present invention can be embodied in many forms without departing from its essential characteristics. Therefore, it is needless to say that the above-described embodiment is exclusively for description and does not limit the present invention.

DESCRIPTION OF SYMBOLS 1,100 Financial settlement system 2,102 Communication network 10,110 Financial institution server 11,111 Cash voucher transaction reception part 11a, 111a Approval part 12,112 Database 13,113 Exchange part 15,115 Cashing part 20,120 Terminal 21, 121 Terminal input unit 30, 130 Virtual space 31, 131 Authentication processing unit 32, 132 Electronic money account unit 33, 133 Electronic money 51 Transaction start screen 52 Customer information screen 53 Receipt screen 54 Currency amount input screen 54a Foreign currency selection unit 54b Selection button 54c Exchange rate display section 55 Currency amount calculation screen 56 Electronic money selection screen 57 Transaction result screen

Claims (6)

A financial settlement system that settles with electronic money instead of money,
It has a virtual space and a terminal connected by a communication network and a financial institution,
The virtual space is a site that manages electronic money deposit / withdrawal, and an authentication processing unit that determines whether or not the user accessing the virtual space can conduct transactions; and the deposit / withdrawal of the electronic money in the virtual space And an electronic money account section that verifies the identity of each managed
The terminal has a terminal input unit for inputting data relating to the currency after exchange for the transaction for cashing the electronic money in foreign currency and the amount after exchange, and designating a place where the user receives cash in foreign currency. And
The financial institution
An approval unit that accepts the data input from the terminal input unit and approves the user, and outputs a notification of execution of the exchange process through the user's approval by the approval unit, and exchanges for an end notification of the exchange process A voucher transaction accepting section for sending a certificate to the terminal;
Based on the notification output by the voucher transaction reception unit, the amount before exchange of the electronic money in the virtual space to be cashed in foreign currency is calculated from the amount after exchange and the exchange rate, and the receiving place designated by the user A currency exchange department that communicates the transaction for cashing the electronic money in foreign currency to
A cashing unit that converts the amount before exchange calculated by the currency exchange unit into an amount after currency exchange and cashes the electronic money into the currency after exchange;
The financial settlement system is characterized in that the exchange book is for receiving the cashed foreign currency money presented by the terminal at a currency exchange counter in the receiving place.   2. The finance according to claim 1, wherein the cashing unit cashes the electronic money with foreign currency money within a range of the amount of the electronic money that has been verified in the virtual space. Payment system.   The financial settlement system according to claim 1, wherein the cash voucher transaction reception unit is configured to authenticate a user and receive the data. Means for lending the electronic money in the virtual space, which has been verified to satisfy the account amount of the financial institution,
The financial settlement system according to claim 1, wherein the cashing unit cashes the electronic money in the loaned virtual space into foreign currency. A financial settlement method that settles with electronic money instead of money,
The virtual space of the site that manages the deposit and withdrawal of electronic money, the terminal owned by the user, and the financial institution are connected via a communication network,
In the virtual space, managing the acquisition money of the electronic money that has performed identity verification in the virtual space for each user,
In the terminal, the user inputs data related to the currency after exchange for the transaction for cashing the electronic money that has been verified in foreign currency, the amount after the exchange, and specifies the place where the user receives cash in foreign currency. ,
In the financial institution, receiving the data input from the terminal and outputting a notification of execution of currency exchange processing through user approval;
Based on the output notification, from the amount after exchange and the exchange rate, the electronic money to be cashed in foreign currency money calculates the amount before exchange;
Converting the calculated amount before exchange into an amount after exchange, and cashing the electronic money into the currency after exchange;
Sending a notice of completion of the exchange process and a voucher to the terminal, and contacting a transaction for cashing the electronic money in foreign currency to a contact person in charge of exchange at a receiving location designated by the user; ,
The financial settlement method, characterized in that the exchange is presented by the terminal to the exchange counter in the receiving place. A financial settlement program for settlement with electronic money instead of money,
To a computer of a financial institution connected to the virtual space of the site that manages the deposit and withdrawal of electronic money and the terminal owned by the user via a communication network,
Accepts the user's approval by accepting the currency after exchange relating to the transaction for cashing the electronic money input from the terminal in foreign currency, the data relating to the amount after exchange, and the location for receiving cash in the foreign currency designated by the user A function to output a notification of the execution of currency exchange processing via
Based on the output notification, from the amount after exchange and the exchange rate, the electronic money that is cashed in foreign currency money calculates the amount before exchange;
A function of converting the calculated amount before exchange into an amount after currency exchange, and cashing the electronic money in the virtual space into a currency after exchange;
A function of sending an exchange notice to be presented to the terminal by the terminal at the end of the exchange process and a cash receiving place cashed in foreign currency;
A financial settlement program that executes a function of contacting a transaction counter for cashing the electronic money in foreign currency to a counter in charge of exchange at the receiving location designated by a user.

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