JP2001357214A - Remittance method and system in virtual bank and recording medium in which the method is programmed and recorded - Google Patents

Abstract

(57) [Summary] [Problem] Open a virtual branch account at an existing bank that can settle under the current law, and transfer money between persons who have the virtual branch account through the Internet 24 hours a day, full time It is realized with nature. SOLUTION: A virtual bank 12 for performing settlement on the Internet (web) is provided, a virtual branch account 121 (122) is opened in the virtual bank 12, and funds are transferred between the virtual branch accounts. Virtual branch account 121 (122)
Is uniquely determined by its own authentication information such as a mail address and a mobile phone number. Cashing is performed after transferring funds to the actual bank branch account.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a remittance method and system in a virtual bank and a recording medium on which the method is programmed and recorded.

[0002]

2. Description of the Related Art Individual-to-individual business transactions are increasing in Internet auctions and the like. The seller needs to notify the personal account number or the like by e-mail or the like every time a transaction is made, which poses a security problem. The buyer also has to transfer money to the designated account each time, and pays a high commission. In addition, bank transfer is limited to the time that the bank's host computer is operating, and the seller must confirm with the bank immediately to know that it has been deposited into the account, check immediately Things were usually difficult.

[0003] On the other hand, payment using a credit card is used in business-to-individual transactions on the Internet, but it is dangerous to send credit card information over the Internet, and the selling side accumulates credit card information. In some cases, it could be abused.

[0004] In recent years, it has become common to buy and sell goods on the Internet, and there is a demand for a means for making payment without going to a bank. Already in the United States,
Each member has an account with an e-mail address as an identifier, making it possible to make deposits for each account in the same way as a bank account, and enabling the transfer of remittances between those who have that account for 24 hours free on the Internet Service is realized. According to this method, individual-to-individual remittance when buying and selling goods on the Internet can be easily performed. In this case, the device serving as the interface is a personal computer or a palmtop.

However, if this method is applied in Japan, it will be necessary to carry out payments and to raise funds from the general public. It cannot be implemented.

[0006] The present invention has been made in view of the above circumstances, and presently assumes the above-mentioned account (hereinafter referred to as a virtual branch account) in an existing bank capable of making payments, and has a virtual branch account. It is an object of the present invention to provide a remittance method and a system in a virtual bank for realizing 24-hour full remittance exchanges via the Internet with immediacy, and a recording medium in which the method is programmed and recorded.

[0007] Further, when the settlement becomes possible in a place other than a bank in the future, the holder of the virtual name account is assumed to be other than the bank, and a virtual branch host is provided between the user and the bank. This virtual branch host transfers information necessary for settlement in accordance with a user's instruction, and realizes a person-to-person remittance by considering this virtual branch account as a checking account. It is another object of the present invention to provide a programmed recording medium.

[0008]

According to the first aspect of the present invention, there is provided a virtual branch account for making a payment available on the web, and transfer of funds between the virtual branch accounts. To perform the remittance.
As a result, remittance can be exchanged between persons having a virtual branch account under the current domestic law, and real-time remittance can be made 24 hours a day via the Internet.

According to a second aspect of the present invention, in the remittance method in the virtual bank according to the first aspect, the virtual branch account is uniquely determined by its own authentication information.
As a result, even if a virtual branch account is not established at the remittance destination, remittance information can be kept at the center, and the remittee is specified as authentication information, for example, by e-mail address. Confidential information such as credit card numbers will not leak to the outside.

According to a third aspect of the present invention, in the remittance method in the virtual bank according to the first aspect, the funds are transferred to a real bank branch account and then cashed.
As a result, the cashing is not performed by the virtual bank but by the existing bank, so that there is no need to newly install a store or an ATM and no additional cost is required.

According to a fourth aspect of the present invention, in addition to requesting remittance by inputting authentication information of a remittance source, logging in to a server, and specifying authentication information of a remittee and a remittance amount, a confirmation mail for payment is received. And check the balance of the virtual branch account of the remittance source when there is a request for remittance, and when there is a shortage, check the balance of the remittance source real branch account. Transfer funds equivalent to the specified amount from the bank branch account, debit the specified amount from the remittance source virtual branch account, deposit the specified amount into the remittance destination virtual branch account, and transfer the money to the remittance destination. The virtual branch host sending the confirmation mail is connected via the Internet. With the above configuration, assuming the virtual branch account described above in an existing bank that can currently settle,
It is possible to provide a remittance system in a virtual bank that realizes a 24-hour full remittance exchange between persons having the virtual branch account via the Internet, with real time. Also, in the future, if settlement becomes possible outside the bank, the virtual branch account holder here will be the one other than the bank, and through the virtual branch host between the user and the bank,
The virtual branch host transfers information necessary for settlement in accordance with the user's instruction, and by considering this virtual branch account as a checking account, a remittance system in a virtual bank can be constructed that realizes real-time personal-to-person remittance.

According to a fifth aspect of the present invention, in the remittance system for a virtual bank according to the fourth aspect, the virtual branch host comprises: an authentication database in which a mail address of a virtual branch account opener who is a user is registered; A user information database in which user's personal information is stored in advance,
An account information database in which balance information for each user is updated and stored each time a remittance or a deposit is made, and an external connection database in which a bank branch account number or a credit card number for each user is stored. With the above configuration, authentication can be performed by e-mail address or mobile phone number without depending on account number or credit number, and security effect can be obtained. In addition, transfer of funds between virtual branch accounts is immediately reflected in each database. It is also possible to cooperate with externally connected bank hosts and credit company hosts.

[0013] A recording medium according to a sixth aspect of the present invention provides a virtual branch account for making payments available on the web, and records a server program used in a remittance system in a virtual bank that transfers funds between virtual branch accounts. Receiving a remittance request with the authentication information of the remittee and the remittance amount as parameters via the user terminal; and a remittance source bank branch according to the remittance request. Checking the balance of the account, transferring funds corresponding to a predetermined amount from the bank branch account when there is a shortage, deducting the predetermined amount from the virtual branch account of the remittance source, to the virtual branch account of the remittance destination In this case, the computer is caused to execute a step of depositing a predetermined amount of money and a step of sending a confirmation mail for payment to the remittance destination. . As a result, it is possible to transfer money between virtual branch accounts with no commission or at a low fee, so it can be used without any distinction from large settlement to small settlement, and it is possible to check the full 24-hour transfer on the Internet Becomes In addition, the transfer is immediately reflected, and furthermore, it is easy to confirm because there is a notification by e-mail, and it is possible to send money without knowing the bank account number, because the remittance is instructed with the other party's e-mail address or mobile phone number The burden on the user can be reduced and security can be improved.

According to a seventh aspect of the present invention, in the recording medium according to the sixth aspect, when the remittee does not have a virtual branch account, a temporary account of the remittee is opened and a deposit is made there. Further, it was decided to execute the program on a computer.
As a result, once the center stores the remittance information, it is possible to transfer money to people who do not have a virtual branch account,
In order to receive the remittance, the flow of officially opening a virtual branch account will increase the number of users of this system,
Detention funds also increase.

[0015] The recording medium according to claim 8 is the recording medium according to claim 6.
In the recording medium described in (1), the computer further executes a step of checking the balance of the virtual branch account of the remittance source and transferring funds corresponding to a predetermined amount from the credit card when the balance is insufficient. As a result, the transfer of funds is facilitated, and a link to a credit card can be realized. In addition, since the cash conversion is performed in a normal bank and not in a virtual bank, it is not necessary to newly set up a store or an ATM, and no additional cost is required.

According to a ninth aspect of the present invention, there is provided a recording medium, wherein a client program used in a remittance system in a virtual bank for providing a virtual branch account for performing settlement available on the web and transferring funds between the virtual branch accounts is recorded. A computer-readable recording medium, wherein the client program inputs the authentication information of the remittance source and logs in to the server; and requests the remittance by specifying the authentication information of the remittee and the remittance amount. Receiving a payment confirmation e-mail sent from the virtual branch host computer to the remittance destination after the transfer of funds between the virtual branch accounts in accordance with the remittance request, and logging in to the server by inputting its own authentication information Check the payment by referring to the steps and the confirmation email, and It was decided to execute the step of moving the branch account computer. As a result, even if a virtual branch account is not opened at the remittance destination, the center can keep the remittance information, and the remittee can
Since the authentication information is specified by, for example, a mail address, confidential information such as a bank account number and a credit card number does not leak.

According to a tenth aspect of the present invention, there is provided a recording medium according to the ninth aspect.
After receiving the confirmation e-mail, enter your authentication information and log in to the server, request to open a virtual branch account, and confirm the payment by referring to the confirmation e-mail. Transferring the transferred amount to his or her bank branch account from time to time. As a result, it is also possible to provide a mechanism in which the host computer temporarily accepts the instruction without receiving the remittance unconditionally and instructs the remittance after the reception confirmation of the opponent, thereby increasing the convenience and safety.
Even if the remittance destination does not have a virtual branch account, it is once deposited by the host computer and automatically issues a remittance instruction after the virtual branch account is opened. Therefore, the remittance instruction itself can be completed irrespective of the presence or absence of a remittance destination, thereby increasing convenience.

[0018]

FIG. 1 is a block diagram showing an embodiment of a remittance system in a virtual bank according to the present invention. In the figure, reference numeral 1 denotes a bank, which has an α branch 11, an Internet branch 12 as a virtual bank, and a β branch 13. The Internet branch 12 has been placed under the jurisdiction of the bank because of the relationship with the above-mentioned current law. If the settlement does not have to be made by a bank in the future, the virtual branch account holder may be a bank other than a bank, for example, a convenience store. I do not care. α branch 11
Transfer the bank branch account A (111) to the Internet branch 12
Are virtual branch account A (121) and virtual branch account B (1
22), the β branch 13 has a bank branch account B (131). Hereinafter, the Internet branch will be referred to as a virtual bank, but it is assumed that there is a virtual bank clearing house having a clearing house as a virtual bank to supervise. Details will be described after FIG.

Reference numeral 2 denotes a remitter and reference numeral 3 denotes a remittee, all of which are mobile terminals, personal computers, PDAs (Personal Digital As) as user terminals.
One of the palm tops, such as the S.s. These user terminals are connected to the Internet 4
Via a connection to the host center 5 where the virtual branch host is installed. The host center 5 is connected to many banks (not shown) in addition to the bank 1.
Are also connected via a dedicated line. The host center 5 performs personal authentication, account process control, and detailed information management of a virtual branch account, as described later.

FIG. 2 is a block diagram showing in detail the system configuration around the host center 5 shown in FIG.
The virtual branch host 50 installed in the host center 5 has a control unit 51 as a control center, and a communication control unit 52 and a storage unit 53.
It consists of. The communication control unit 52 includes the user terminal 20,
In addition to the connection 30 via the Internet 4, the bank branch host 10 and the credit card company host 60 are connected via a dedicated line, and serve as an interface for data exchange between these computers.

The storage unit 53 stores an authentication database 531 in which the mail address of the virtual branch account holder who is a user is registered, a user information database 532 in which personal information of the user is stored in advance, An account information database 533 in which the balance information is updated and stored each time a remittance or a deposit is provided, and an external connection database 534 in which a bank branch account number or a credit card number for each user is stored. The contents are read / written. Although not shown here, a remittance transaction DB and a transaction statement information DB are also included.

FIG. 3 shows the concept of a remittance method in a virtual bank according to the present invention. Here, a concept is shown as a concept in which a remittance from a remittant A, who is a user, to a remittee B can be easily sent. In the figure, blocks denoted by the same reference numerals as those in FIGS. 1 and 2 are the same as those in FIG. 1 and will be described briefly below.

According to the present invention, an Internet branch 12 dedicated to settlement is provided in the bank 1, and a virtual branch account A (121) and a virtual branch account B (12) in the Internet branch are provided.
By transferring funds between 2), instantaneous remittance is realized for 24 hours. It should be noted that the Internet branch 12 can be realized as a bank itself even if it is a branch of a bank, and is considered as a current account exclusively for settlement at the bank 1. It can be considered that the bank will immediately deposit money into the other account.

The virtual branch account A (121) and the virtual branch account B (122) are uniquely determined by a unique ID such as a mail address or a mobile phone number of the user terminals 20 and 30, and the virtual branch account Even when the account is not opened, the remittance information is kept in the host center 5. Even if the partner account is unknown, if the e-mail address is known, a temporary account is automatically created and remittance is made to this temporary account. Since the remittance destination cannot receive the remittance unless an account is opened, the host center 5 recommends the remittee to open a virtual branch account. Also. Since the remittance destination is specified by an e-mail address, confidential information such as an account number and a credit card number does not leak.

The host center 5 can uniquely identify a virtual branch account at the Internet branch 12 using a mail address or a mobile phone number as an ID. Host Center 5
Transfers the user's e-mail or a remittance instruction with the mobile phone number as the remittance destination to the Internet branch 12 which is a settlement institution. Normally, when remittance is made using a bank account, remittance is not possible unless the other party has an account. Here, if there is no mail address of the user B who is the remittee or the virtual branch account linked to the mobile phone number, the remittance amount is temporarily held by the host center 5 together with the remittance amount and addressed to the remittee B (3). It is recommended to open a virtual branch account using e-mail. If the remittee B (3) opens a virtual branch account, the host center 5 transfers the remittance information temporarily possessed to the Internet branch 12, which is a clearing house, and the Internet branch 12 transfers the user, the remittance. Person A
Is debited and paid in for remittance to the remittee B from.

For this reason, even when the remittee B (3) does not yet have a virtual branch account, the remittance finger can be instructed,
Convenience increases. Also, despite the recommendation, Remittee B
If (3) does not open a virtual branch account (will not open or refuses to open for a certain period of time), the sender A (2) is notified of this fact, and at this time, the transfer of the remittance instruction to the Internet branch 12 is Since it is not performed, there is no useless transaction at the clearing house. Even when the remittant A (2) and the remittee B (3), who are the users, have virtual branch accounts, the remittance instruction from the remittant A (2) is sent directly to the Internet bank 12, which is a clearing house. Instead of notifying, it is possible to notify the remittance instruction after the remittance recipient B (3) has confirmed receipt. This eliminates a remittance error as compared with the case where the remittance is unconditionally executed by the remitter as in the case of the existing transfer.

FIGS. 4 to 8 are views cited for explaining the operation of the embodiment of the present invention shown in FIGS. 1 and 2,
It is a figure which shows each of the flow (FIG. 1 thru | or FIG. 7) of the basic remittance from the user A to the user B, and the flow (FIG. 8) from a virtual branch account to cashing. Hereinafter, the operation of the embodiment of the present invention shown in FIGS. 1 and 2 will be described in detail with reference to flowcharts shown in FIGS.

Hereinafter, a basic flow of remittance from the remitter A to the remitter B will be described. In FIG. 4, first, the remitter A, who is a user, logs in to the server using his or her user terminal 20 (step S41). At this time,
Enter your own e-mail address or authentication information such as a mobile phone number and log in to the server. This allows
The virtual branch host 50 performs authentication by searching the authentication database 531 in the storage unit 53 (step S42).
After checking the balance, the account balance information is stored in the account information database 533 (steps S43 and S44). At the same time, the user terminal side 20 (30) checks whether there is a balance (step S45). Is performed, and if there is not enough remaining money, the user A instructs the transfer of funds corresponding to a predetermined amount from the actual bank / branch account, or sends a deposit request from a credit card to his / her own. Instruct via the user terminal 20 (step S
46).

FIG. 11 shows the specific contents of the account information DB 533 of the virtual branch host 50 and the bank branch host 10 when the remitter A transfers funds from the real bank branch account owned by the remitter A to the virtual branch account. Virtual branch host 5 when A puts funds into the virtual branch account with a credit card
12 and the specific contents of the account information DB 533 of the bank branch host 10 are shown in FIG. In this case, there is a shortage of 20,000 yen for remittance to the remittee B, and in the example shown in FIG. 9, a case where 20,000 yen is withdrawn from a real bank branch account of 50,000 yen and put into a virtual branch account. In the example shown in FIG. 12, an example is shown in which a credit of 20,000 yen is put into a virtual branch account.

The description returns to FIG. In response, the virtual branch host 50 notifies the designated bank or credit card company (step S47), and updates the account information or credit request information of the sender S by operating the external connection DB 534 (step S48). ). That is,
Here, a predetermined amount to be remitted from the virtual branch account of the remittance source is deducted, and a payment instruction is notified to the virtual bank clearing house 6.

The virtual bank clearing house 6 receives the payment instruction from the virtual branch host 50, updates the virtual branch balance information, and increases the remittance amount for the virtual account of the user A (step S50). Update the information master DB 600. At the same time, the virtual branch host 50 updates the balance information of the virtual account held by the user A and stores it in the account information DB 533 (step 51). This allows Sender A
Uses his own user terminal 20 to create a virtual branch account A (1
From 21), a request for remittance to virtual branch account B (122) is requested (step S52). At this time, the remittance is requested by specifying the remittance recipient B's mail address or authentication information such as a mobile phone number and the remittance amount. In response, the virtual branch host 50 performs authentication by referring to the user information DB 532 (step S53), and checks whether the virtual branch account of the user B is opened (step S54). If the virtual branch account has already been opened, the process proceeds to the process shown in FIG. 5, and if not, the process proceeds to the process shown in FIG.

In FIG. 5, if a virtual branch account has already been opened, the virtual branch host 50
Is temporarily stored (step S61) and stored in the remittance information transaction DB 535. Then, the remittance is notified to the user B, who is the remittee, by e-mail (step S62), and written to the user information DB 432. The user B receives the mail via his / her user terminal 20 (30) and logs in to the server within a certain period (step S41). At this time, the user inputs his / her mail address or authentication information such as a mobile phone number and logs in to the server. Accordingly, the virtual branch host 50 searches the authentication database 531 in the storage unit 53 and performs authentication (step S65). Then, the user B instructs to receive the remittance from the user A (step S6).
6) The virtual branch host 50 reads the remittance instruction information from the remittance transaction DB 535, and simultaneously notifies the virtual bank clearing house 6 (step S67).

In response to the notification from the virtual branch host 50, the virtual bank clearing house 7 updates the virtual branch balance information to reduce the remittance amount for the user A's virtual account and deposits the remittance amount to the user B's virtual account. (Step S68)
The virtual branch account information master DB 600 is updated. The virtual branch host 50 issues a remittance completion notification to the user A,
The relevant portions of the user information DB 532, account information DB 533, and transaction statement information DB 537 are updated (step S6).
9). Then, the user B confirms the increase in the balance (step S71), and the user A receives the remittance completion mail and ends the remittance processing (step S71).

FIG. 9 shows that the sender A has his own virtual branch account A
A change in the balance information of the account information DB 533 when 10,000 yen is withdrawn from (121) and remitted to the remittee B is shown. That is, the virtual branch account A (121) of 20,000 yen originally owned by the sender A is remitted by the remittance.
On the other hand, the remittant B adds 10,000 yen, which was deposited this time to 5,000 yen originally possessed, to 15,500 yen.
You have a virtual branch account B (122) of 1,000 yen.

In FIG. 6, if it is determined whether or not the virtual branch account of the user B has been opened, the virtual branch host 50
Is temporarily stored (step S81) and stored in the remittance information transaction DB 535. Then, the user B, who is the remittee, is notified by e-mail that the remittance has been received, and a virtual account opening request and a temporary password are notified (step S82). Upon receiving this, the user B receives the remittance information, the account opening request, and the temporary password using his or her user terminal 20 (30) (step S83), and logs in to the server (step S84).
At this time, the user enters his / her mail address and the received temporary password to log in to the server.

The virtual branch host 50 searches the authentication database 531 in the storage unit 53 and performs authentication (step S85). Then, the user B is notified of the remittance request amount from the user A via the user terminal 20 (30) (step S86). The user B confirms the scheduled remittance amount from the user A, and the user B makes an input for an account opening request within a certain period (step S88). As a result, the virtual account of the user B is created in the virtual branch host 50 (step S89). Creating a virtual account
In addition to the case of directly requesting and creating from the user terminal 20 (30), the request may be created using a separate document or the like. Note that the user B
If there is no action from, or if the establishment of the virtual account is rejected, the process proceeds to the process shown in FIG.

When the user B instructs to receive the remittance from the user A, the virtual branch host 50 reads the remittance instruction information from the remittance transaction DB 535,
At the same time, it notifies the virtual bank clearing house 7 (step S9)
1). The virtual bank clearing house 7 receives the notification from the virtual branch host 50, updates the virtual branch balance information, and updates the user A
In step S92, the remittance amount for the virtual account is reduced and the remittance amount is deposited in the virtual account of user B (step S92), and the virtual branch account information master DB 600 is updated. The virtual branch host 50 issues a remittance completion notice to the user A, and the user information DB 532, the account information DB 533, and the transaction statement information D
The related part of B537 is updated (step S93). Then, the user B confirms the increase in the balance (step S9).
4), the user A receives the remittance completion mail and ends the remittance processing (step S95).

In FIG. 7, if there is no action from the user B within a certain period after the virtual branch host 50 notifies the remittance information, or if the establishment of the virtual account is refused, the virtual branch host 50 , User A
Is notified by e-mail (step S101). The user A knows this through his or her user terminal 20 (30) and determines whether or not to resend (step S1).
03), when retransmitting, the processing shown in FIG. 4 and thereafter is performed, and when not retransmitting, the process ends.

FIG. 9 shows that the sender A has his own virtual branch account A
A change in the balance information of the account information DB 533 when 10,000 yen is withdrawn from (121) and remitted to the remittee B is shown. That is, the virtual branch account A (121) of 20,000 yen originally owned by the sender A is remitted by the remittance.
On the other hand, the remittant B adds 10,000 yen, which was deposited this time to 5,000 yen originally possessed, to 15,500 yen.
You have a virtual branch account B (122) of 1,000 yen.

FIG. 10 shows a change in the balance information of the account information DB 533 when the sender A withdraws 10,000 yen from his or her virtual branch account A (121) and remits to the remittee B. That is, the 20,000 yen virtual branch account A (121) originally held by the sender A is reduced to 10,000 yen by remittance, while the remittee B does not have the virtual branch account. The 10,000 yen will be temporarily stored in the temporary account and will not be available unless you open an account.

It is also possible to transfer money separately at the time of connection by using offline terminal software without logging in to the server. The remittance can be set to any of the following options: transfer from a virtual branch account, payment by credit card, and separate debit from a mobile phone account.
Also, after opening the account, the remittee B can optionally set a method of receiving a remittance by using a virtual branch account, chargeback with a credit card, or chargeback of a mobile phone fee.

FIG. 8 shows the flow of processing when cashing is performed from a virtual branch account. That is, here, the remitter A first logs in to the server using its own user terminal 10 (step S111). At this time, the user inputs his / her mail address or authentication information such as a mobile phone number and logs in to the server. As a result, the virtual branch host 50 stores the authentication database 531 in the storage unit 53.
Is searched for authentication (step S112), and the virtual branch account A is further referred to with reference to the account information database 533.
The balance check of (121) is performed (step S113).

The user A has his own user terminal 20 (3
0) to confirm the balance of its own virtual branch account A (121), specify the amount to be cashed, and specify the virtual branch account A (1).
From 21), a request for transferring funds to the real bank account is issued (step S114). In response to this, the virtual branch host 50 notifies the bank (step S115) and instructs the bank branch host 10 to update the account information (step S119), and the remittance transaction DB 5
With reference to 35, remittance instruction information is notified to the virtual bank clearing house 7. In the virtual bank clearing house 7, the virtual branch host 50
Receives the remittance instruction from the customer, updates the virtual branch balance information, and reduces the remittance amount for the virtual account of the user A (step S
117), the virtual branch account information master DB 600 is updated. The virtual branch host 50 simultaneously updates the balance information of the virtual account held by the user A and updates the account information DB 533 and the transaction statement information DB 537 (step 118). Then, the user A makes a withdrawal using an ATM or the like (step S120), the equivalent amount is debited from the real account and updated (step S122), and cash can be obtained (step S123). In the above description, the remitter A has cashed from the virtual branch account A (121) of his / her own. However, the remittant B, who is the user, has cashed from the virtual branch account B (122) of his own according to the same procedure. Is possible.

As described above, according to the present invention, assuming the above-mentioned virtual branch account at an existing bank that can currently make payment, the transfer of remittance between persons having the virtual branch account is performed on the Internet (Web 4). Through 24 hours,
It can be realized with immediacy. Further, when the settlement becomes possible in a place other than the bank in the future, the holder of the virtual branch account here is that other than the bank, and the virtual branch host 50 is connected between the user and the bank via the virtual branch host 50.
Transfers information necessary for settlement in accordance with the user's instructions, and considers this virtual branch account as a checking account.

The flow charts shown in FIGS. 4 to 8 are embodied as a client program and a server program in the user terminal 20 (30) and the virtual branch host 50, respectively. It is recorded on a recording medium such as a disk device or an optical storage device such as a CD-ROM and distributed. In particular,
From these recording media, a main storage device (semiconductor storage device) that the user terminal 20 (30) and the virtual branch host 50 have internally
, And are sequentially read and executed by the CPU.

[0046]

As described above, according to the present invention, the following effects can be obtained for the user. In other words, remittance can be performed between virtual branch accounts at no commission or at low commission, so that it can be used without any distinction from large-scale settlement to small-scale settlement, and it is possible to make a full 24-hour transfer and check on the Internet . In addition, the transfer is immediately reflected, and there is no need to confirm by itself because there is a notification by e-mail. Further, since the remittance is instructed by the other party's e-mail address or the mobile phone number, the remittance is possible without knowing the bank account number, and the burden on the user is reduced.

In addition, the following effects can be obtained for the user. (1) It is possible to automatically construct a mechanism in which the host computer temporarily keeps the instruction without receiving the other party's remittance, and then instructs the remittance after receiving confirmation of the other party's receipt, which is convenient and secure. Increase. (2) Even if the remittance destination does not have a virtual branch account, the remittance is temporarily stored by the host computer, and a remittance instruction is automatically issued after the virtual branch account is opened. Therefore, the remittance instruction itself can be completed irrespective of the presence or absence of a remittance destination, thereby increasing convenience. (3) More detailed information on deposits and withdrawals can be accumulated, and remittances sent from another person can be sent to another person as it is in cash remittance. In addition, cashing is possible by remittance to an existing bank account.

According to the present invention, the following effects can be obtained for a bank. In other words, remittance between virtual branch accounts
Unlike the conventional exchange of accounts, the service is possible on the Internet 24 hours a day, so that improvement of service to customers can be expected. Also, once the host computer stores the remittance information, it is possible to transfer money to those who do not have a virtual branch account, and in order to receive the remittance, it becomes a flow to formally open a virtual branch account, The number of users of the system will increase, and the stagnant funds will increase. Further, even if the number of users increases nationwide, it is not necessary to newly increase the number of stores and ATMs, and a system that is safe in terms of security can be constructed.

[Brief description of the drawings]

FIG. 1 is a block diagram showing an embodiment of a remittance system in a virtual bank of the present invention.

FIG. 2 is a block diagram showing a detailed configuration around a host center in FIG. 1;

FIG. 3 is a diagram cited for illustrating a basic concept of a remittance method in a virtual bank of the present invention.

FIG. 4 is a diagram cited for explaining an operation procedure of the embodiment of the present invention, and is a diagram showing a basic remittance flow from a remitter A to a remitter B;

FIG. 5 is a diagram cited for describing an operation procedure of the embodiment of the present invention, and is a diagram showing a basic remittance flow from a remitter A to a remitter B;

FIG. 6 is a diagram cited for explaining an operation procedure of the embodiment of the present invention, and is a diagram showing a basic remittance flow from a remitter A to a remitter B;

FIG. 7 is a diagram cited for describing an operation procedure of the embodiment of the present invention, and is a diagram illustrating a basic flow of remittance from a remitter A to a remitter B;

FIG. 8 is a diagram cited for explaining an operation procedure of the embodiment of the present invention, and is a diagram showing a flow when cashing is performed from a virtual branch account.

FIG. 9 is a diagram showing the contents of balance information in the account information DB when remittant A transfers money from his own virtual branch account to remittant B's virtual branch account.

FIG. 10 is a diagram showing the contents of balance information in the account information DB when remittant A transfers money from his or her virtual branch account to the remittant B's temporary account.

FIG. 11 is a diagram showing specific contents of an account information DB when a remitter A transfers funds from a real bank account owned by the remitter to a virtual branch account.

FIG. 12 is a diagram showing specific contents of an account information DB when a remitter A invests funds in a virtual branch account with a credit card.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 ... Bank, 2 ... Sender, 3 ... Remittee, 4 ... Internet (Web), 5 ... Host center, 6 ... Credit card company, 7 ... Settlement institution, 10 ... Bank branch host, 11 ... Alpha branch, 12 ... Internet branch (virtual bank), 13 ... beta branch, 20 (30) ... user terminal, 50 ... virtual branch host, 51 ... control unit, 52 ... communication control unit, 53 ... storage unit, 60 ... credit card company host 121: virtual branch account A, 122: virtual branch account B, 531: authentication database, 532: user information database, 533: account information database, 534: external connection database.

Claims (10)

[Claims] 1. A remittance method in a virtual bank, wherein a remittance is performed by providing a virtual branch account for performing settlement available on the web and transferring funds between the virtual branch accounts. 2. The method according to claim 1, wherein the virtual branch account is uniquely determined by its own authentication information. 3. The remittance method in a virtual bank according to claim 1, wherein the funds are transferred to a real bank branch account and then cashed. 4. Entering authentication information of a remittance source, logging in to a server, requesting a remittance by designating authentication information of a remittee and a remittance amount, and receiving a payment confirmation mail and receiving the remittance mail. And a plurality of user terminals for transferring the transferred amount to the real bank branch account at any time. When the remittance request is made, the balance of the virtual branch account of the remittance source is checked, and when there is a shortage, the real bank branch account is checked. While transferring funds equivalent to a predetermined amount from, withdraw the predetermined amount from the virtual branch account of the remittance source, deposit the predetermined amount into the virtual branch account of the remittance destination, and to the remittance destination A remittance system in a virtual bank, wherein the remittance confirmation mail is transmitted to a virtual branch host via the Internet. 5. The virtual branch host, comprising: an authentication database in which a mail address of the virtual branch account holder who is a user is registered; a user information database in which personal information of the user is stored in advance; An account information database in which balance information for each user is updated and stored each time a remittance or a deposit is made, and an external connection database in which a bank branch account number or a credit card number for each user are stored are provided. The remittance system in a virtual bank according to claim 4, wherein 6. A computer-readable recording medium storing a server program used in a remittance system in a virtual bank for providing a virtual branch account for performing settlement available on the web and transferring funds between the virtual branch accounts. In the server program, via a user terminal, receiving a remittance request with the authentication information of the remittee and the remittance amount as parameters, and performing the balance check of the real bank branch account of the remittance source according to the remittance request Performing a transfer of funds corresponding to a predetermined amount from the real bank branch account when there is a shortage; deducting the predetermined amount from the virtual branch account of the remittance source; The step of depositing the predetermined amount and the step of transmitting a deposit confirmation mail to the remittee are executed by the computer. Recording medium in which a server program that. 7. The recording method according to claim 6, wherein when the remittee does not have a virtual branch account, a server program for causing a computer to further execute a step of opening a temporary account of the remittee and making a deposit there is recorded. Medium. 8. A server program for causing a computer to further execute a step of checking the balance of the virtual branch account of the remittance source and transferring funds corresponding to a predetermined amount from a credit card when there is a shortage. 7. The recording medium according to 6. 9. A computer-readable recording medium storing a client program used for a remittance system in a virtual bank for providing a virtual branch account for performing settlements available on the web and transferring funds between the virtual branch accounts. In the client program, a step of inputting authentication information of a remittance source and logging in to a server, a step of requesting a remittance by designating authentication information of a remittee and a remittance amount, and the virtual branch according to the remittance request Receiving a payment confirmation e-mail sent from the virtual branch host to the remittance destination after the transfer of funds between the accounts, inputting its own authentication information and logging in to the server, Confirm the deposit by reference,
Transferring the remittance amount to its own actual bank / branch account as needed. 10. Receiving the confirmation mail, inputting its own authentication information, logging in to the server, requesting to open a virtual branch account, and confirming the payment by referring to the confirmation mail.
10. The recording medium according to claim 9, wherein a client program for causing a computer to execute the step of transferring the remittance amount to its own actual bank / branch account at any time is recorded.