JP7082076B2 - Remittance system, program, and information processing method - Google Patents

Description

The present invention relates to a remittance system, a program, and an information processing method.

Conventionally, services such as Internet banking for transferring money from the payer's bank account to the recipient's other bank account have been provided. In this way, remittances to other banks are carried out using an interbank network system (so-called "Zengin system"). Patent Document 1 below discloses a banking system in which a recipient bank (remittance side) transfers money to a recipient bank (receiver side) using the Zengin system.

Patent No. 5428059

However, remittances to other banks using the Zengin system have the problem that the remittance fee is high.

Therefore, in order to solve the above problems, it is an object of the present invention to provide a remittance system, a program, and an information processing method capable of depositing money into a recipient's account at low cost in remittance to another bank. ..

In the money transfer system according to one aspect of the present invention, a predetermined amount of money is transferred from the terminal used by the payer to the second account of the second bank held by the payee from the first account of the first bank held by the payer. The reception department that accepts instructions and the specified amount from the first account to the third account of the first bank held by the fund transfer company for the first server of the first bank when the remittance instruction is received by the reception department. When the first transfer section instructing the transfer process and the first transfer section instruct the transfer process, the first server of the first bank is instructed to refer to the account information of the third account. The fund transfer company holds the detection unit that detects the deposit of the predetermined amount to the 3 accounts and the second server of the 2nd bank when the detection unit detects the deposit of the predetermined amount to the 3rd account. 2nd transfer department that instructs the transfer processing of the predetermined amount from the 4th account of the 2nd bank to the 2nd account, and the processing for transferring money from the 3rd account of the 1st bank to the 4th account of the 2nd bank. It is provided with a balance adjustment unit that adjusts the balance of the third account and the balance of the fourth account.

In the program according to one aspect of the present invention, a predetermined amount of money is transferred from the terminal used by the payer to the second account of the second bank held by the payee from the first account of the first bank held by the payer. The reception function that accepts the remittance instruction and when the remittance instruction is received by the reception function, from the 1st account to the 1st server of the 1st bank to the 3rd account of the 1st bank held by the fund transfer company. When the first transfer function that instructs the transfer processing of the predetermined amount and the first transfer function instruct the transfer processing, the first server of the first bank is instructed to refer to the account information of the third account. When the detection function that detects the deposit of the predetermined amount to the third account and the detection function detects the deposit of the predetermined amount to the third account, the fund transfer company is sent to the second server of the second bank. The second transfer function that instructs the transfer processing of the predetermined amount from the 4th account of the 2nd bank to the 2nd account held by the bank, and the transfer from the 3rd account of the 1st bank to the 4th account of the 2nd bank. A balance adjustment function that performs processing and adjusts the balance of the third account and the balance of the fourth account is realized.

In the information processing method according to one aspect of the present invention, the computer transfers the computer from the terminal used by the payer to the second account of the second bank held by the payee from the first account of the first bank held by the payer. The step of accepting the remittance instruction of the predetermined amount and the predetermined amount of money from the first account to the third account of the first bank held by the fund transfer company for the first server of the first bank when the remittance instruction is received. When the transfer process is instructed and the transfer process is instructed, the first server of the first bank is instructed to refer to the account information of the third account and the predetermined amount is deposited in the third account. And when the deposit of the specified amount to the 3rd account is detected, the 4th to 2nd accounts of the 2nd bank held by the fund transfer company are sent to the 2nd server of the 2nd bank. The step of instructing the transfer processing of the predetermined amount to the bank and the processing for transferring money from the 3rd account of the 1st bank to the 4th account of the 2nd bank are performed, and the balance of the 3rd account and the balance of the 4th account are calculated. Includes steps to adjust and.

According to the above aspect, withdrawal from the payer's account and deposit to the recipient's account using the payer's account and the payee's account and the fund transfer agent's account in the same bank. be able to. This makes it possible to deposit money into the recipient's account at low cost when sending money to another bank.

According to the present invention, it is possible to provide a remittance system, a program, and an information processing method capable of depositing money into a recipient's account at low cost in remittance to another bank.

It is a figure for demonstrating the system configuration example of the remittance system which concerns on 1st Embodiment. It is a figure for demonstrating an example of the outline of the remittance system which concerns on 1st Embodiment. It is a figure which shows an example of the functional structure of the remittance server which concerns on 1st Embodiment. It is a figure which shows the operation example of the remittance system which concerns on 1st Embodiment. It is a figure which shows an example of the hardware configuration of the remittance server which concerns on 1st Embodiment. It is a figure for demonstrating an example of the outline of the remittance system which concerns on 2nd Embodiment. It is a figure for demonstrating an example of the outline of the remittance system which concerns on 3rd Embodiment.

Preferred embodiments of the present invention will be described with reference to the accompanying drawings. In each figure, those with the same reference numerals have the same or similar configurations.

[First Embodiment]
First, the first embodiment of the present invention will be described. In the present embodiment, the payer uses a terminal such as a smartphone to transfer money from the bank account owned by the payer to the account of another bank owned by the recipient by using the remittance service to another bank provided by the fund transfer company. An example of doing so will be described. The payer and recipient of this embodiment may be an individual or a business operator. The remittance system according to the present embodiment can be used not only for remittance to other banks by C2C (business-to-business), but also for remittance to other banks including businesses such as C2B and B2B.

The fund transfer business operator (hereinafter, simply referred to as “fund transfer business operator”) according to the present embodiment, as a payment instruction service provider (PISP (Payment Initiation Service Provider)), makes payments to the bank based on the user's instructions. We shall provide a service to instruct the transfer of funds. Further, as an account information service provider, the fund transfer company shall provide a service of acquiring account information from a bank and providing it to the user based on the instruction of the user.

<1. System configuration>
A system configuration example of the remittance system 1 according to the present embodiment will be described with reference to FIG.

The remittance system 1 is a system for providing a remittance service addressed to another bank of a fund transfer company. As shown in FIG. 1, the remittance system 1 includes a remittance server 100 of a fund transfer company, a first terminal 200a used by a payer, and a second terminal 200b used by a recipient. The remittance server 100, the first terminal 200a, and the second terminal 200b are connected to each other via the network N. Further, the remittance server 100 is connected to the first server 300a of the first bank and the second server 300b of the second bank via the network N in order to carry out transactions using the bank account. The first terminal 200a and the second terminal 200b are collectively referred to as "terminal 200" when there is no particular need to distinguish them. Further, the first server 300a and the second server 300b are collectively referred to as "bank server 300" when there is no particular need to distinguish them. Further, the remittance server 100 may be connected to an accounting system used by a business operator or an individual via a network N.

The network N is composed of a wireless network and a wired network. Examples of networks include mobile phone networks, PHS (Personal Handy-phone System) networks, wireless LAN (Local Area Network), 3G (3rd Generation), LTE (Long Term Evolution), 4G (4th Generation), and W. There are networks compliant with (registered trademark), infrared communication, WiMAX (registered trademark), wired LAN, telephone line, power line network, IEEE1394, and the like.

The remittance server 100 is an information processing device capable of communicating with the terminal 200 and the bank server. The remittance server 100 manages information related to remittance (for example, account information) in cooperation with the terminal 200 or the like by executing a predetermined program, and manages information related to remittance (for example, account information) between accounts in the same bank or between the first bank and the second bank. Realize a server function that controls fund transfer processing such as transfer between accounts. Although only one remittance server 100 is shown in FIG. 1 for the sake of simplicity, a plurality of remittance servers 100 may be provided.

"Account information" is information for managing each bank account. The account information indicates, for example, an account balance such as a "bank ID" for identifying a target bank, an "account ID" for identifying an account owned by a payer or a recipient, and the total amount deposited in the account. Includes "account balance" or "transaction details" indicating the details of transactions using the account. The transaction content includes, for example, a "deposit / withdrawal history" indicating a deposit / withdrawal history. The deposit / withdrawal history is, for example, a "deposit / withdrawal ID" for identifying each deposit / withdrawal, an ID of the bank card used for deposit / withdrawal, and an ID indicating the other party of deposit / withdrawal of the credit card company in the withdrawal of the credit card. "Customer ID" indicating, etc., "Deposit / withdrawal date and time" indicating the date and time of deposit and withdrawal, "Deposit amount" indicating the amount deposited in the account, or "Withdrawal amount" indicating the amount of money withdrawn from the account, etc. include.

The terminal 200 is a terminal device such as a smartphone or a laptop terminal capable of inputting a remittance instruction from a payer, outputting a notification such as a payment to a recipient, and communicating with a remittance server 100. By executing a predetermined program, the terminal 200 cooperates with the remittance server 100 to send and receive information regarding the remittance instruction, display a screen regarding the remittance, and accept the instruction of the payer.

The bank server 300 is a server of a bank system that manages account information of a bank account and performs transfer processing and reference processing for the account. The bank server 300 cooperates with the remittance server 100 to provide services related to the transfer processing and the like.

<2. Overview>
An example of the outline of the remittance system 1 will be described with reference to FIG. In FIG. 2, the box surrounded by a thick frame represents each functional unit of the remittance server 100 shown in FIG. In the present embodiment, the first account and the third account are the accounts of the first bank, and the second account and the fourth account are the accounts of the second bank. In the present embodiment, an example of remittance from the account of the first bank to the account of the second bank in the remittance server 100 will be described, but the mode of remittance in the remittance server 100 is not limited to this. The remittance server 100 can, for example, transfer money from the account of the second bank to the account of the first bank account, and can also transfer money between the first bank and other banks other than the second bank. ..

In the present embodiment, for the sake of simplicity, it is assumed that the first server 300a of the first bank and the second server 300b of the second bank implement the bank API provided by each bank. In the remittance system 1, the first server 300a and the second server 300b are not limited to implementing the bank API, and can be used from the outside to acquire the above-mentioned fund transfer and account information. Any aspect may be provided as long as it has some kind of interface.

"Bank API (Application Programming Interface)" is an interface used by software components to interact with each other in order to individually service existing functions such as fund transfer and balance inquiry and use them from external applications. .. The bank API includes "update API" and "reference API". The "renewal API" is an API for transferring funds such as bank transfer / transfer, and the "reference API" is an API for acquiring account information such as a balance inquiry of a bank account.

(1) As shown in FIG. 2, first, the payer is a destination bank owned by the payer for the Web page for the remittance service provided by the remittance server 100 using the first terminal 200a. Enter the account information such as the account number of the first account of the first bank. In addition, the payer inputs the account information of the second account of the second bank, which is the destination bank held by the recipient, into the above Web page, and remits the amount (hereinafter referred to as "predetermined amount"). After inputting, the remittance server 100 is instructed to transfer money from the first account to the second account to another bank.

(2) When the reception unit 111 of the remittance server 100 receives the remittance instruction from the first terminal 200a via the Web page, the remittance instruction is received.

(3) When the reception unit 111 receives the remittance instruction, the first transfer unit 112 of the remittance server 100 uses the update API mounted on the first server 300a of the first bank to fund the funds from the first account. Instruct the first server 300a to transfer the predetermined amount to the third account of the first bank held by the mobile company. The first server 300a performs a transfer processing of a predetermined amount from the first account to the third account in response to the instruction.

(4) When the first transfer unit 112 gives an instruction for the transfer process, the detection unit 114 of the remittance server 100 uses the reference API mounted on the first server 300a to refer to the account information of the third account. Is instructed to the first server 300a. The first server 300a searches for and refers to the account information of the third account.

(5) The detection unit 114 acquires the result of the reference of the above (4) from the first server 300a via the reference system API, and detects the deposit of the predetermined amount of money to the third account.

(6) When the detection unit 114 detects the payment to the third account, the second transfer unit 113 of the remittance server 100 uses the update API mounted on the second server 300b of the second bank to fund the funds. Instruct the second server 300b to transfer the predetermined amount from the fourth account, which is the account of the second bank held by the mobile operator, to the second account of the second bank held by the recipient. The second server 300b performs the transfer processing of a predetermined amount from the fourth account to the second account in response to the instruction of the transfer processing.

(7) When the second transfer unit 113 instructs the transfer process, the detection unit 114 uses the reference API implemented in the second server to refer to the account information of the second server to the second server 300b. To instruct. The second server 300b searches for and refers to the account information of the second account.

(8) The detection unit 114 acquires the result of the reference of the above (7) from the second server 300b via the reference system API, and detects the deposit of the predetermined amount of money to the second account.

(9) When the detection unit 114 detects the payment to the second account, the notification unit 116 of the remittance server 100 notifies the payer and the recipient of the payment to the second account. Specifically, the notification unit 116 transmits notification information for notifying the payment to the second account to the first terminal 200a and the second terminal 200b used by each, and the notification information is sent to these terminals 200. You may display an alert message by (so-called push notification may be performed).

(10) The balance adjustment unit 115 of the remittance server 100 adjusts the balance of the third account and the balance of the fourth account at an appropriate timing. The balance adjustment unit 115 monitors the balances of a plurality of accounts including, for example, the balance of the third account of the first bank and the balance of the fourth account of the second bank held by the fund transfer company. When the balance adjustment unit 115 detects at least one of an account with a balance exceeding a predetermined upper limit and an account with a balance below a predetermined lower limit as a result of the monitoring, the balance adjustment unit 115 transfers money between the accounts held above. The state of exceeding the upper limit value and the state of falling below the lower limit value may be resolved. For example, the balance adjustment unit 115 may collectively perform a process for remittance from the third account of the first bank to the fourth account of the second bank at a predetermined timing by batch processing or the like.

According to the above configuration, the remittance system 1 uses the third account and the fourth account of the fund transfer agent in the same bank of the payer's first account and the payee's second account, respectively. You can withdraw from the first account of the recipient and deposit to the second account of the recipient. As a result, instead of a plurality of remittances from the payer to the recipient to other banks, the remittance from the third account to the fourth account of the fund transfer company can be used in a lump sum. Therefore, according to the above configuration, the remittance system 1 can reduce the cost such as the transfer fee incurred for each remittance from the payer to the recipient to another bank.

According to the above configuration, the remittance system 1 does not necessarily have to make a plurality of remittances to the other banks in place of all the remittances (it is not necessary to remit the same amount as the total amount of these remittances), and the remittance company. You may transfer money from the 3rd account to the 4th account at any time and at any amount. Therefore, according to the above configuration, it is possible to provide an easy-to-use remittance system to the fund transfer company.

<3. Functional configuration of server device>
The functional configuration of the remittance server 100 according to the present embodiment will be described with reference to FIG. As shown in FIG. 3, the remittance server 100 includes a control unit 110, a storage unit 120, and a communication unit 130.

The control unit 110 includes a reception unit 111, a first transfer unit 112, a second transfer unit 113, a detection unit 114, and a balance adjustment unit 115. Further, the control unit 110 may include, for example, a notification unit 116.

The reception unit 111 issues a remittance instruction of a predetermined amount from the first terminal 200a used by the payer to the second account of the second bank held by the recipient from the first account of the first bank held by the payer. accept. The reception unit 111 may receive the remittance instruction from the payer in any mode, for example, the first terminal 200a may access the web page for the remittance instruction and accept the remittance instruction via the web page. , The first terminal 200a may be allowed to install an application for instructing remittance and accept via the application.

When the remittance instruction is received by the reception unit 111, the first transfer unit 112 moves from the first account to the third account of the first bank held by the fund transfer company with respect to the first server 300a of the first bank. Instruct the transfer processing of the prescribed amount of money. For example, the first transfer unit 112 may instruct the first server 300a to transfer a predetermined amount of money from the first account to the third account by using the update API implemented by the first server 300a. According to such a configuration, the first transfer unit 112 can withdraw money from the payer's first account at low cost when the payer gives the above remittance instruction.

When the detection unit 114, which will be described later, detects the payment of a predetermined amount to the third account, the second transfer unit 113 refers to the second bank 300b of the second bank with respect to the second bank held by the fund transfer company. Instruct the transfer processing of the predetermined amount from the 4th account to the 2nd account. For example, the second transfer unit 113 may instruct the second server 300b to transfer a predetermined amount of money from the fourth account to the second account by using the update API implemented by the second server. According to such a configuration, the second transfer unit 113 can deposit a predetermined amount into the recipient's second account at low cost when the payer gives the above remittance instruction.

When the first transfer unit 112 gives an instruction for the transfer process, the detection unit 114 instructs the first server 300a of the first bank to refer to the account information of the third account to the third account. Detects deposit of a predetermined amount. For example, the detection unit 114 may instruct the first server 300a to refer to the account information of the third account by using the reference API implemented by the first server 300a.

For example, when the second transfer unit 113 gives an instruction for the transfer process, the detection unit 114 instructs the second server 300b of the second bank to refer to the account information of the second account, and the second account. You may detect the deposit to. The detection unit 114 may instruct the second server 300b to refer to the account information of the second account by using, for example, the reference API implemented by the second server 300b.

The balance adjustment unit 115 performs a process for remittance from the third account of the first bank to the fourth account of the second bank, and adjusts the balance of the third account and the balance of the fourth account. The balance adjustment unit 115 records, for example, deposits and withdrawals from the third account and withdrawals from the fourth account during a predetermined period, and the total amount of these deposits and withdrawals is offset and settled from the third account to the fourth account. You may send money. Further, the balance adjustment unit 115 sets predetermined threshold values (for example, upper limit value or lower limit value, etc.) for the account balances of the third account and the fourth account, respectively, and exceeds or falls below these predetermined threshold values. At that time, remittance may be made from the third account to the fourth account so as to be within a predetermined threshold value. The process of remittance from the third account to the fourth account in the balance adjustment unit 115 may be collectively performed at a predetermined timing by batch processing such as daily or monthly. According to such a configuration, the balance adjustment unit 115 stably balances the balance of the account held by the fund transfer company, including the balance of the third account of the first bank and the balance of the fourth account of the second bank. Can be maintained.

When the detection unit 114 detects the payment of the predetermined amount to the second account, the notification unit 116 notifies at least one of the payer and the recipient of the payment to the second account. For example, the notification unit 116 may send notification information for push notification of payment to the second account to the terminal 200, and display the notification information as an alert message on the display unit of the terminal 200. Further, the notification unit 116 may send an e-mail notifying the payment to the second account to the e-mail address included in the user information described later of the payer or the beneficiary, or the SNS of the payer or the beneficiary. You may notify your account. In addition, in the notification to the payer, instead of the payment to the second account, the notification that the remittance instructed by the payer has been completed may be notified.

According to the above configuration, the notification unit 116 can notify the payer and the recipient immediately after the payment to the second account, that is, the remittance to another bank is completed.

When the detection unit 114 detects the deposit of the predetermined amount to the third account, the notification unit 116 notifies the payer of the deposit to the third account, that is, the withdrawal from the first account. You may.

The notification unit 116, for example, for reconciliation (balance matching between a plurality of books), the account information of the first account and the second account detected by the detection unit 114 with respect to the accounting system used by the payer or the recipient. Or you may notify the information of deposit and withdrawal of the predetermined amount of the first account and the second account.

The storage unit 120 may store user information and account information. The storage unit 120 may store each information by using a database management system (DBMS), or may store each information by using a file system. When using a DBMS, a table (for example, an account table) may be provided for each of the above information, and each information may be managed by associating the tables with each other.

"User information" is information about users such as payers and recipients. The user information is, for example, a "user ID" for identifying a user, a "user name" indicating a user's name, an "account ID" for identifying an account held by the user, or a "user's contact information". Includes "email address", "address" or "phone number" and the like. Further, the user information may include an "account ID" indicating an SNS account used by the user.

The communication unit 130 transmits and receives various information to and from the terminal 200, the bank server 300, the external system, and the like via the network N. The communication unit 130 receives, for example, a remittance instruction received from the payer by the terminal 200 via the network N, or transmits a payment notification according to the remittance instruction to the terminal 200.

<4. Operation example>
An operation example of the remittance system 1 according to the present embodiment will be described with reference to FIG. FIG. 4 shows that the remittance system 1 receives a remittance instruction from the payer, withdraws from the first account, deposits the money into the recipient's second account, and notifies the payer and the recipient of the payment to the second account. It is a flow chart which shows the flow of the process to perform. The order of the processes shown below is an example and may be changed as appropriate.

As shown in FIG. 4, the reception unit 111 of the remittance server 100 is from the first terminal 200a used by the payer to the second bank held by the payee from the first account of the first bank held by the payer. Accepts a remittance instruction for a predetermined amount to the second account (S10). When the remittance instruction is received by the reception unit 111, the first transfer unit 112 moves from the first account to the third account of the first bank held by the fund transfer company with respect to the first server 300a of the first bank. Instruct the transfer processing of the predetermined amount of money (S11).

When the first transfer unit 112 gives an instruction for the transfer process, the detection unit 114 instructs the first server 300a of the first bank to refer to the account information of the third account to the third account. The deposit of a predetermined amount is detected (S12).

When the detection unit 114 detects the deposit of the predetermined amount to the third account, the second transfer unit 113 refers to the second server 300b of the second bank of the second bank held by the fund transfer company. Instruct the transfer processing of the predetermined amount from the fourth account to the second account (S13).

When the second transfer unit 113 gives an instruction for the transfer process, the detection unit 114 instructs the second server 300b of the second bank to refer to the account information of the second account to the second account. The deposit of the predetermined amount of money is detected (S14). When the detection unit 114 detects the payment of the predetermined amount to the second account, the notification unit 116 notifies at least one of the payer and the recipient of the payment to the second account (S15). ..

<5. Hardware configuration>
With reference to FIG. 5, an example of the hardware configuration in the case where the above-mentioned remittance server 100 is realized by the computer 800 will be described. The function of each device can be realized by dividing it into a plurality of devices.

As shown in FIG. 5, the computer 800 includes a processor 801 and a memory 803, a storage device 805, an input I / F unit 807, a data I / F unit 809, a communication I / F unit 811 and a display device. Includes 813.

The processor 801 controls various processes in the computer 800 by executing a program stored in the memory 803. For example, each functional unit or the like included in the control unit 110 of the remittance server 100 can be realized as a program that is temporarily stored in the memory 803 and mainly operates on the processor 801.

The memory 803 is a storage medium such as, for example, a RAM (Random Access Memory). The memory 803 temporarily stores the program code of the program executed by the processor 801 and the data required when the program is executed.

The storage device 805 is a non-volatile storage medium such as a hard disk drive (HDD) or a flash memory. The storage device 805 stores an operating system and various programs for realizing each of the above configurations. In addition, the storage device 805 can also store a table for registering account information and user information, and a DB for managing the table. Such programs and data are referenced from the processor 801 by being loaded into the memory 803 as needed.

The input I / F unit 807 is a device for receiving input from the user. Specific examples of the input I / F unit 807 include a keyboard, a mouse, a touch panel, various sensors, a wearable device, and the like. The input I / F unit 807 may be connected to the computer 800 via an interface such as USB (Universal Serial Bus).

The data I / F unit 809 is a device for inputting data from the outside of the computer 800. Specific examples of the data I / F unit 809 include a drive device for reading data stored in various storage media. It is also conceivable that the data I / F unit 809 is provided outside the computer 800. In that case, the data I / F unit 809 is connected to the computer 800 via an interface such as USB.

The communication I / F unit 811 is a device for performing data communication via the Internet N by wire or wirelessly with an external device of the computer 800. It is also conceivable that the communication I / F unit 811 is provided outside the computer 800. In that case, the communication I / F unit 811 is connected to the computer 800 via an interface such as USB.

The display device 813 is a device for displaying various information. Specific examples of the display device 813 include a liquid crystal display, an organic EL (Electro-Luminence) display, a display of a wearable device, and the like. The display device 813 may be provided outside the computer 800. In that case, the display device 813 is connected to the computer 800 via, for example, a display cable or the like. Further, when the touch panel is adopted as the input I / F unit 807, the display device 813 can be integrally configured with the input I / F unit 807.

[Second Embodiment]
Next, a second embodiment of the present invention will be described. This embodiment applies the remittance function of the remittance system 1 according to the first embodiment to support the settlement of transactions on the payer side in the settlement of transactions such as goods between the payer and the store. It is a form to do. Hereinafter, the points different from those of the first embodiment will be mainly described. In the present embodiment, a business operator who gives a remittance instruction to the reception unit 111 of the remittance server 100 when the payment of the transaction on the payer side is settled is referred to as a "first business operator". The first business operator is, for example, a business operator (for example, an issuer) that makes payments for the transaction to the payer, and a business operator that provides a payment network or a payment intermediary for the settlement of the transaction (for example, CAFIS). (Registered trademark: Credit And Finance Information System), JCN (registered trademark: Japan Card Network) operator, card brand, etc.), payment agent for the transaction (for example, PSP (Payment Service Provider)), etc. The remittance system according to the present embodiment can also be used for refund when the transaction on the payer side including the chargeback of the credit card is canceled. In this embodiment, the fifth account is the account of the third bank.

<1. Overview>
An example of the outline of the remittance system according to the present embodiment will be described with reference to FIG. In the present embodiment, an example in which credit card payment is used for payment when trading a product or the like will be described. Further, in the present embodiment, the server used by the first business operator for the settlement of the transaction is the first settlement server 400a. The remittance system according to the present embodiment is connected to the first payment server 400a via the network N.

(1) As shown in FIG. 6, when the first business operator makes a transaction with a credit card using the first account of the first bank held by the payer between the payer and the store. The first settlement server 400a for settlement of the transaction requests the reception unit 111 of the remittance server 100 to request the payment amount for settlement of the transaction. Specifically, the first business operator instructs the reception unit 111 to remit the payment amount for settlement of the transaction from the first account to the fifth account of the third bank from the first settlement server 400a. .. The fifth account of the third bank is an account to which the payer pays in the credit card payment, and is, for example, an account held by the issuer, which is the issuing company of the credit card.

The mode of the above-mentioned remittance instruction from the first payment server 400a by the first business operator is, for example, (A) in the case where the first payment server 400a is a server that operates the payment network, whether or not the transaction can be exchanged in the payment network. The first settlement server 400a captures the authority information (including information such as transaction date, card ID, card expiration date, member store identifier, transaction amount, etc.), and the first payment server 400a receives the reception unit 111. (B) If the first payment server 400a is a server of a card brand that provides an intermediary for payment between the issuer and the acquirer, the card brand that connects between the issuer and the acquirer Based on the authority information exchanged on the network or the sales information of the product etc. in the transaction (including information such as transaction date, card ID, card expiration date, member store identifier, transaction amount, etc., like the authority information) Then, the first payment server 400a issues a remittance instruction to the reception unit 111. (C) If the first payment server 400a is the issuer server, the first payment server 400a accepts the transaction with the authorization approval that enables the transaction. It is conceivable that a remittance instruction is given to the unit 111. When a remittance instruction is given from the first settlement server 400b using the authorization information in the above-mentioned aspects (A) to (C), there is a difference in transaction amount or the like between the authorization information and the sales information. It is conceivable that the difference will be eliminated by adjusting between the issuer and the card brand.

(2) The reception unit 111 of the remittance server 100 receives the remittance instruction from the first settlement server 400a. The remittance instruction from the first settlement server 400a may be performed each time authorization is approved in the embodiments (A) to (C), or a predetermined cycle (for example, every few hours, daily, every other day, etc.). There may be cases where it is done every time.

(3) When the reception unit 111 receives the remittance instruction, the first transfer unit 112 of the remittance server 100 uses the update API mounted on the first server 300a of the first bank to start from the first account. 3 Instruct the first server 300a to transfer the predetermined amount to the account. The first server 300a performs a transfer processing of a predetermined amount from the first account to the third account in response to the instruction of the transfer processing.

(4) When the first transfer unit 112 gives an instruction for the transfer process, the detection unit 114 of the remittance server 100 uses the reference API mounted on the first server 300a to refer to the account information of the third account. Is instructed to the first server 300a. The first server 300a searches for and refers to the account information of the third account.

(5) The detection unit 114 acquires the result of the reference of the above (4) from the first server 300a via the reference system API, and detects the payment of the transferred payment amount to the third account. .. The detection unit 114 may detect the withdrawal of the payment amount deducted from the first account.

(6) When the detection unit 114 detects the payment to the third account, the notification unit 116 of the remittance server 100 notifies the payer of the withdrawal from the first account instead of the payment to the third account. do. Specifically, the notification unit 116 transmits notification information notifying the withdrawal from the first account to the first terminal 200a used by the payer, and sends an alert message based on the notification information to these terminals 200. It may be displayed.

(6) The remittance unit 117 of the remittance server 100 transfers the total amount transferred from the first account to the third account by the first transfer unit 112 based on the above remittance instruction from the first settlement server 400a in the first predetermined period. Record. The settlement unit 117 performs a process for remittance of the total amount recorded above from the third account of the first bank to the fifth account of the third bank. Here, the "first predetermined period" is a period for specifying the transfer between the first account and the third account to be remitted between the third account and the fifth account, and is a fund transfer company. The period of one week, half a month, one month, etc. may be set as appropriate depending on the business of the above.

According to the above configuration, in the remittance system according to the present embodiment, when a transaction such as a product is made between a payer and a store, the payment price is immediately paid from the payer's account when the payment of the transaction on the payer side is settled. Can be withdrawn.

According to the above configuration, the remittance system according to the present embodiment replaces a plurality of remittances from the payer to the issuer, etc. to other banks each time, from the third account of the fund transfer company to the fifth account of the issuer, etc. It can be done by batch remittance. Therefore, according to the above configuration, the remittance system according to the present embodiment can reduce the cost such as the transfer fee incurred for each remittance from the payer to the issuer to the other bank.

When the transaction is canceled, the remittance server 100 instructs the first transfer unit 112 to transfer money from the third account to the first account and refunds the payer. In addition, the settlement unit 117 performs a process for remittance of the total amount transferred from the third account to the first account from the fifth account to the third account.

<2. Remittance server function configuration>
An example of the functional configuration of the remittance server 100 according to the second embodiment will be described. The remittance server 100 according to the present embodiment commonly includes the storage unit 120 and the communication unit 130 of the remittance server 100 according to the first embodiment, and in the control unit 110, the reception unit 111 and the first transfer unit 112. A detection unit 114 and a notification unit 116 are provided in common, and a settlement unit 117 (see FIG. 6) is provided in addition to these functional units.

When a transaction using the first account is performed between the payer and the store, the reception unit 111 transfers the transaction from the first settlement server 400a to the fifth account of the third bank from the first account. Accepts remittance instructions for payment amounts for settlement. The reception unit 111 may receive, for example, a message indicating the remittance instruction from the first settlement server 400a via the communication unit 130 and accept the remittance instruction.

When the transaction is canceled, the reception unit 111 may, for example, receive a remittance instruction of the payment amount of the canceled transaction from the first settlement server 400a to the fifth account to the first account.

When the reception unit 111 receives the remittance instruction for the settlement of the transaction, the first transfer unit 112 instructs the first server 300a to transfer money from the first account to the third account.

When the transaction is canceled, for example, when the reception unit 111 accepts the remittance instruction, the first transfer unit 112 sends the first server 300a to the first server 300a with the payment amount from the third account to the first. You may instruct the transfer to the account.

The settlement unit 117 records the total amount of money transferred from the first account to the third account in the first transfer unit 112 based on the above remittance instruction from the first settlement server 400a in the first predetermined period, and the first bank The process for transferring the above total amount from the third account to the fifth account of the third bank is performed. The process of remittance from the third account to the fifth account in the settlement unit 117 may be collectively performed at a predetermined timing by batch processing such as daily or monthly.

When the above transaction is canceled, the settlement unit 117 transfers money from the third account to the first account by the first transfer unit 112 based on the remittance instruction from the first settlement server 400a, for example, in the first predetermined period. The total amount may be recorded and a process for transferring the total amount from the fifth account of the third bank to the third account of the first bank may be performed.

[Third Embodiment]
Next, a third embodiment of the present invention will be described. This embodiment is a mode in which the remittance function of the remittance system 1 according to the first embodiment is applied to support the settlement of transactions on the store side when a transaction such as a product is made between a payer and a store. .. Hereinafter, the points different from those of the first embodiment will be mainly described. In the present embodiment, a business operator who gives a remittance instruction to the reception unit 111 of the remittance server 100 when the transaction on the store side is settled is referred to as a "second business operator". The second business operator is, for example, a business operator (for example, an acquirer) that makes payments to a store for the transaction, and a business operator that provides a payment network or payment intermediary for the settlement of the transaction (for example, a card brand, etc.). An operator of CAFIS or JCN, an agent for settlement of the transaction, etc. The remittance system according to this embodiment is also used for refund when the transaction on the store side including the chargeback of the credit card is canceled. In the present embodiment, the sixth account and the eighth account are the accounts of the fourth bank, and the seventh account is the account of the fifth bank.

<1. Overview>
An example of the outline of the remittance system according to the present embodiment will be described with reference to FIG. 7. In the present embodiment, as in the second embodiment, an example in which credit card payment is used for payment when trading a product or the like will be described. Further, in the present embodiment, the server used by the second business operator for the settlement of the transaction is the second settlement server 400b. The remittance system according to the present embodiment is connected to the second payment server 400b via the network N.

(1) As shown in FIG. 7, when a credit card transaction is made between the payer and the store, the second business operator sends the second payment server 400b to the reception unit 111 of the remittance server 100. , Request remittance of the payment amount for settlement of the transaction. Specifically, the second business operator setstles the transaction from the second settlement server 400b to the reception unit 111 from the seventh account of the fifth bank to the sixth account of the fourth bank held by the store. Instruct the remittance of the payment amount of. The seventh account of the fifth bank is the account of the payment source for the store in the credit card payment, for example, the account held by the acquirer who is the member store manager of the credit card.

The mode of the above-mentioned remittance instruction from the second payment server 400a by the second business operator is, for example, (A) in the case where the second payment server 400a is a server that operates the payment network, whether or not the transaction can be exchanged in the payment network. The second payment server 400b gives a remittance instruction to the reception unit 111 based on the authority information. (B) If the second payment server 400b is a card brand server, the issuer and acquirer Orthodox information exchanged on the network of the relevant card brand or sales information of products, etc. in the relevant transaction (similar to the orthodox information, transaction date, card ID, card expiration date, member store identifier, transaction The second payment server 400b gives a remittance instruction to the reception unit 111 based on (including information such as the amount of money). (C) If the first payment server 400a is the acquirer server, the transaction is possible. It is conceivable that the second settlement server 400b gives a remittance instruction to the reception unit 111 with the approval of the authority.

(2) The reception unit 111 of the remittance server 100 receives the remittance instruction from the second settlement server 400b. The remittance instruction from the second payment server 400b may be performed each time authorization is approved in the embodiments (A) to (C), or a predetermined cycle (for example, every few hours, daily, every other day, etc.). There may be cases where it is done every time.

(3) When the reception unit 111 receives the above remittance instruction, the third transfer unit 118 of the remittance server 100 is owned by the fund transfer company using the update API mounted on the fourth server 300d of the fourth bank. Instruct the 4th server 300d to transfer the predetermined amount from the 8th account to the 6th account of the 4th bank. The fourth server 300d performs the transfer processing of the predetermined amount from the eighth account to the sixth account in response to the instruction of the transfer processing.

(4) When the third transfer unit 118 gives an instruction for the transfer process, the detection unit 114 of the remittance server 100 uses the reference API mounted on the fourth server 300d to refer to the account information of the sixth account. Is instructed to the fourth server 300d. The fourth server 300d searches for and refers to the account information of the sixth account.

(5) The detection unit 114 acquires the result of the reference of the above (4) from the fourth server 300d via the reference system API, and detects the payment of the payment amount transferred to the sixth account.

(6) When the detection unit 114 detects the payment to the sixth account, the notification unit 116 of the remittance server 100 notifies the store of the payment to the sixth account. Specifically, the notification unit 116 transmits notification information notifying the payment to the sixth account to the third terminal 200c used by the store, and causes the third terminal 200c to display an alert message based on the notification information. You may.

(6) The settlement unit 117 of the remittance server 100 transfers the total amount transferred from the 8th account to the 6th account by the 3rd transfer unit 118 based on the above remittance instruction from the 2nd settlement server 400b in the 2nd predetermined period. Record. The settlement unit 117 performs a process for remittance of the total amount recorded above from the 7th account of the 5th bank to the 8th account of the 4th bank. Here, the "second predetermined period" is a period for specifying the transfer between the 8th account and the 6th account to be remitted between the 7th account and the 8th account, and is a fund transfer company. The period of one week, half a month, one month, etc. may be set as appropriate depending on the business of the above.

According to the above configuration, the remittance system according to the present embodiment immediately pays the payment price to the store account when the store side transaction is settled in the settlement when the payer and the store trade the product or the like. Can be transferred to.

According to the above configuration, the remittance system according to the present embodiment replaces the multiple remittances from the acquirer to the store to other banks, which were performed each time for payment to the store, to the seventh account of the acquirer or the like. It can be done by batch remittance from to the 8th account of the fund transfer company. Therefore, according to the above configuration, the remittance system according to the present embodiment can reduce the cost such as the transfer fee incurred for each remittance from the acquirer or the like to the recipient to the other bank.

When the above transaction is canceled, the remittance server 100 instructs the third transfer unit 118 to transfer money from the sixth account to the eighth account and receives a refund from the store. In addition, the settlement unit 117 performs a process for remittance of the total amount transferred from the 6th account to the 8th account from the 8th account to the 7th account.

<2. Remittance server function configuration>
An example of the functional configuration of the remittance server 100 according to the third embodiment will be described. Similar to the second embodiment, the remittance server 100 according to the present embodiment has the storage unit 120 and the communication unit 130 of the remittance server 100 according to the first embodiment in common, and the control unit 110 has a reception unit 111. The first transfer unit 112, the detection unit 114, and the notification unit 116 are provided in common, and in addition to these functional units, the settlement unit 117 (see FIG. 7) and the third transfer unit 118 (see FIG. 7). And prepare.

When a transaction is made between the payer and the store, the reception unit 111 transfers the transaction from the second payment server 400b to the sixth account of the fourth bank held by the store from the seventh account of the fifth bank. Accepts remittance instructions for payment amounts to settle transactions. The reception unit 111 may receive, for example, a message indicating the remittance instruction from the second settlement server 400b via the communication unit 130 and accept the remittance instruction.

When the transaction is canceled, the reception unit 111 may, for example, receive a remittance instruction of the payment amount of the canceled transaction from the second settlement server 400b to the sixth account to the seventh account.

The third transfer unit 118 is the eighth bank of the fourth bank held by the fund transfer company for the fourth server 300d of the fourth bank when the remittance instruction for settlement of the above transaction is received by the reception unit 111. Instruct the transfer process from the account to the 6th account. For example, the third transfer unit 118 may instruct the fourth server 300d to transfer a predetermined amount of money from the eighth account to the sixth account by using the update API implemented by the fourth server 300d. According to such a configuration, the third transfer unit 118 can immediately deposit money into the sixth account of the store when the acquirer gives the above remittance instruction.

When the transaction is canceled, for example, when the reception unit 111 accepts the remittance instruction, the third transfer unit 118 sends the payment amount to the fourth server 300d from the sixth account to the eighth account. You may instruct the transfer to the account.

The settlement unit 117 records the total amount transferred from the 8th account to the 6th account by the 3rd transfer unit 118 based on the above remittance instruction from the 2nd settlement server 400b in the 2nd predetermined period, and records the total amount transferred from the 8th account to the 6th account of the 5th bank. Process for remittance from the 7th account to the 8th account. The process of remittance from the 8th account to the 7th account in the settlement unit 117 may be collectively performed at a predetermined timing by batch processing such as daily or monthly.

When the transaction is canceled, the settlement unit 117 moves from the sixth account to the eighth account by the third transfer unit 118 based on the remittance instruction from the second settlement server 400b, for example, in the second predetermined period. You may record the total amount of the transfer and perform the process for transferring money from the 8th account to the 7th account.

It should be noted that the above-described embodiment is an example for explaining the present invention, and the present invention is not limited to the embodiment thereof. Further, the present invention can be modified in various ways as long as it does not deviate from the gist thereof. Further, those skilled in the art can adopt an embodiment in which each element described below is replaced with an equal one, and such an embodiment is also included in the scope of the present invention.

[Modification example]
Although the present invention has been described based on the above embodiment, the following cases are also included in the present invention.

The terminal 200 may include at least a part of each configuration in the remittance server 100 according to the above embodiment. For example, the present invention may be made only by having the terminal 200 implement all the functions of the remittance server 100 as a dedicated application of the remittance system 1 and exchanging between the terminal 200 and the bank server 300, the first payment server 400a or the second payment server 400b. It may be realized.

1 ... remittance system, 100 ... remittance server, 110 ... control unit, 111 ... reception unit, 112 ... first transfer unit, 113 ... second transfer unit, 114 ... detection unit, 115 ... balance adjustment unit, 116 ... notification unit, 117 ... Settlement unit, 120 ... Storage unit, 130 ... Communication unit, 200 ... First terminal 200a ... First second terminal 200b ... Second third terminal 200c ... Third terminal, 300 ... Bank server, 300a ... First server , 300b ... 2nd server, 300c ... 3rd server, 300d ... 4th server, 400a ... issuer server, 400b ... acquirer server, 800 ... computer, 801 ... processor, 803 ... memory, 805 ... storage device, 807 ... input I / F unit, 809 ... data I / F unit, 811 ... communication I / F unit, 813 ... display device.

Claims (7)

A reception unit that receives instructions to transfer a predetermined amount of money from the terminal used by the payer from the first account of the first bank held by the payer to the second account of the second bank held by the payee.
When the remittance instruction is received by the reception unit, the predetermined amount of money from the first account to the third account of the first bank held by the fund transfer company to the first server of the first bank. The first transfer unit that instructs the transfer process and
When the transfer process is instructed by the first transfer unit, the first server of the first bank is instructed to refer to the account information of the third account, and the predetermined amount to the third account is instructed. With a detector that detects the deposit of
When the detection unit detects the deposit of the predetermined amount to the third account, the second server of the second bank is sent from the fourth account of the second bank held by the fund transfer company. A second transfer unit that instructs the transfer processing of the predetermined amount to the second account, and
From the third account to the fourth account based on a predetermined upper limit or lower limit set for the balance of the third account of the first bank and the balance of the fourth account of the second bank. A balance adjustment unit that performs remittance processing and adjusts the balance of the third account and the balance of the fourth account.
Settlement department and
Equipped with
When a transaction using the first account is carried out between the payer and the store, the reception unit receives the credit card from the first account for payment by the credit card of the transaction. Accepting the remittance instruction of the payment amount for the settlement to the 5th account of the 3rd bank held by the issuer from the 1st settlement server for the settlement,
When the reception unit receives the payment instruction, the first transfer unit instructs the first server to transfer money from the first account to the third account.
The settlement unit records the total amount of money transferred from the first account to the third account by the first transfer unit in a predetermined period based on the remittance instruction from the first settlement server, and the first transfer unit records the total amount. The process of remittance of the total amount from the third account of the bank to the fifth account of the third bank is performed .
Remittance system. When the second transfer unit gives an instruction for the transfer process, the detection unit instructs the second server of the second bank to refer to the account information of the second account, and the second account. Detects deposits in
When the detection unit detects the payment of the predetermined amount to the second account, at least one of the payer and the recipient is notified of the payment to the second account. Prepare, prepare
The remittance system according to claim 1. When the transaction is canceled, the reception unit receives an instruction to transfer the payment amount of the canceled transaction from the first settlement server to the first account from the fifth account.
When the remittance instruction is received by the reception unit, the first transfer unit instructs the first server to transfer money from the third account to the first account with the payment amount.
The settlement unit records the total amount transferred from the third account to the first account by the first transfer unit based on the remittance instruction from the first settlement server, and the fifth account of the third bank. Performs the process of remittance of the total amount from the first bank to the third account of the first bank.
The remittance system according to claim 1 or 2 . When the transaction is made, the reception unit transfers the transaction from the second settlement server for settlement of the transaction to the sixth account of the fourth bank held by the store from the seventh account of the fifth bank. Accepting remittance instructions for payment amount,
When the remittance instruction is received by the reception unit, the fourth server of the fourth bank is instructed to process the transfer from the eighth account of the fourth bank held by the fund transfer company to the sixth account. 3rd transfer section and
The settlement unit records the total amount transferred from the 8th account to the 6th account by the 3rd transfer unit based on the remittance instruction from the 2nd settlement server, and the 7th bank of the 5th bank. Perform the process of transferring money from the account to the 8th account at once,
The remittance system according to any one of claims 1 to 3 . When the transaction is canceled, the reception unit receives an instruction to transfer the payment amount of the canceled transaction from the second settlement server to the seventh account from the sixth account.
When the reception unit receives the remittance instruction, the third transfer unit instructs the fourth server to transfer money from the sixth account to the eighth account with the payment amount.
The settlement unit records the total amount transferred from the 6th account to the 8th account by the 3rd transfer unit based on the remittance instruction from the 2nd settlement server, and records the total amount transferred from the 8th account to the 7th account. Process to transfer money to
The remittance system according to claim 4. On the computer
A reception function that accepts instructions to transfer a predetermined amount of money from the terminal used by the payer from the first account of the first bank held by the payer to the second account of the second bank held by the payee.
When the remittance instruction is received by the reception function, the predetermined amount of money from the first account to the third account of the first bank held by the fund transfer company to the first server of the first bank. The first transfer function that instructs the transfer process and
When the transfer process is instructed by the first transfer function, the first server of the first bank is instructed to refer to the account information of the third account, and the predetermined amount to the third account. With a detection function that detects deposits in
When the deposit of the predetermined amount to the third account is detected by the detection function, the second server of the second bank is sent from the fourth account of the second bank held by the fund transfer company. A second transfer function that instructs the transfer processing of the predetermined amount to the second account, and
From the third account to the fourth account based on a predetermined upper limit or lower limit set for the balance of the third account of the first bank and the balance of the fourth account of the second bank. A balance adjustment function that performs remittance processing and adjusts the balance of the third account and the balance of the fourth account,
Settlement function and
Realized,
In the reception function, when a transaction using the first account is performed between the payer and the store, the credit card can be used from the first account for payment by the credit card of the transaction. Accepting the remittance instruction of the payment amount for the settlement to the 5th account of the 3rd bank held by the issuer from the 1st settlement server for the settlement,
The first transfer function instructs the first server to transfer money from the first account to the third account when the reception function receives a remittance instruction for the payment amount.
The settlement function records the total amount transferred from the first account to the third account by the first transfer function in a predetermined period based on the remittance instruction of the payment amount from the first settlement server. The process of remittance of the total amount from the third account of the first bank to the fifth account of the third bank is performed .
program. The computer
A step of receiving a remittance instruction of a predetermined amount from the terminal used by the payer from the first account of the first bank held by the payer to the second account of the second bank held by the payee.
When the remittance instruction is received, the first server of the first bank is instructed to transfer the predetermined amount from the first account to the third account of the first bank held by the fund transfer company. The first transfer step to be done and
When the transfer process is instructed, the step of instructing the first server of the first bank to refer to the account information of the third account and detecting the deposit of the predetermined amount to the third account. When,
When the deposit of the predetermined amount to the third account is detected, the fourth account of the second bank held by the fund transfer company to the second server of the second bank to the second account. The second transfer step instructing the transfer processing of the predetermined amount to
From the third account to the fourth account based on a predetermined upper limit or lower limit set for the balance of the third account of the first bank and the balance of the fourth account of the second bank. The step of performing the remittance process and adjusting the balance of the third account and the balance of the fourth account, and
Settlement step and
Including
In the accepting step, when a transaction using the first account is performed between the payer and the store, the credit card can be settled from the first account for payment by the credit card of the transaction. Accepting the remittance instruction of the payment amount for the settlement to the 5th account of the 3rd bank held by the issuer from the 1st settlement server for the settlement,
In the first transfer step, when a remittance instruction for the payment amount is received by the accepting step, the first server is instructed to transfer money from the first account to the third account.
The settlement step records the total amount transferred from the first account to the third account by the first transfer step in a predetermined period based on the remittance instruction of the payment amount from the first settlement server. The process of remittance of the total amount from the third account of the first bank to the fifth account of the third bank is performed .
Information processing method.

Images