JP2006113816A - System for automatic payment by deduction from savings account - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a system for automatic payment by deduction from savings account, the system deducting cash from one's savings account in a financial institution and transferring the cash to his or her savings account in another financial institution. <P>SOLUTION: In the system for automatic payment by deduction from a savings account, a bank account balance management server, which has information on a user's bank accounts in financial institutions, checks a deductable balance in each financial institution by using one card (hereafter it is called a bank account deduction common card), and, when the balance of a designated bank account is short, the user asks a financial institution to deduct money from his or her another account and transfer the money to a designated account, and consequently the user can save procedures for transferring money by himself, to cover the shortage, from his another account to the account which he or she designates. In addition, the number of non-payment cases due to the shortage of a balance can be decreased when later payment is made with a credit card, and balances in a plurality of financial institutions can be checked with one card, and deductions from a plurality of accounts are possible to one-time money-depositing processing. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a savings account automatic withdrawal system that withdraws cash from a savings account of a financial institution and transfers the cash to an account of another financial institution.

  Conventionally, when you transfer cash to a third party cash transfer account by debiting cash from the bank account of the financial institution where your account is open, the balance of your bank account is the amount required for the transfer If it is more short, it could not be withdrawn, and as a result, transfer was not possible.

  In Patent Document 1, when cash is withdrawn from one's own savings account opened at an arbitrary financial institution and cash is transferred to a third party cash transfer account, the balance of the account of the financial institution to be debited is required for the transfer. There has been proposed a cash withdrawal method for a savings account that can be deducted from a bank account opened at any other financial institution and deposited into a designated account even if the amount is insufficient.

  In Patent Document 2, the payer's balance is determined before a predetermined period of the insurance fee withdrawal date, and when the balance is less than the predetermined amount, the payer is notified in advance of the shortage amount. , A settlement account management device, a settlement account management method, and a program that can know whether or not the balance is sufficient before the withdrawal date and can deposit money before the withdrawal date are proposed. .

  According to Patent Document 3, by providing both a cash card function and a transfer ticket card function in one card, when a user performs a transfer transaction by ATM, the transaction is performed only by taking in and out one card in the same manner as the payment process. An automatic machine processing method has been proposed that can improve the operability by reducing the number of user operations and increase the processing speed of the transfer process itself.

  In Patent Document 4, each financial institution can be used by using one card and one online ID assigned to the card, each online site can be accessed, and the password and online ID can be forgotten. An authentication integration system and an authentication integration method that can reduce the occurrence frequency and the frequency of card loss have been proposed.

According to Patent Document 5, the payer is made to input payment information and credit card information (or bank account information) from the Internet, and the credit company or financial institution established by the payer is transferred to the account number of the payee. In addition, a utility fee / tax payment system and a payment method have been proposed in which a designated amount can be transferred at any time using a personal computer connected to the Internet from a home.
JP 2002-207882 A JP 2004-78502 A JP-A-10-162199 JP 2001-325436 A JP 2001-350930 A

  However, the above invention has the following problems.

  The cash withdrawal method for a savings account described in Patent Document 1 forms a virtual savings account by connecting accounts opened at a plurality of financial institutions online to each other, and savings at any partner financial institution Accounts can be debited freely from the account, but since transactions are conducted between the user's financial institution and the financial institution of the transfer destination without any third party or user, it is deducted from a savings account not intended by the user. May be performed.

  When the payment account management device, the payment account management method, and the program described in Patent Document 2 are not able to pay the insurance premium by the balance of one payment account by enabling the payment of the insurance premium from a plurality of payment accounts, Although the shortage amount is compensated by the balance of another settlement account, the settlement account is in the same financial institution, and insurance premiums cannot be paid from an account opened in another financial institution.

  The automatic processing method described in Patent Document 3 enables transactions with a plurality of accounts opened in the same financial institution with a single cash card, but the balance of one account for one deposit process is insufficient for the deposit amount. If this occurs, the shortage cannot be compensated from the account of another financial institution.

  In the authentication integration system and the authentication integration method described in Patent Document 4, a plurality of financial institutions can be used by one integrated card and an online ID assigned to the integrated card. If you can't pay with an account, you can't cover it with another financial institution's account.

  The utility fee / tax payment system and payment method described in Patent Document 5 can be used to transfer the amount designated within the due date of the designated destination at any time using a personal computer connected to the Internet from the home. If the payment process cannot be made with one financial institution account, it cannot be compensated with another financial institution account.

  Therefore, the present invention uses a single card (hereinafter referred to as an account withdrawal common card) and is a financial institution that can be withdrawn by a bank account balance management server that holds information related to the accounts of each financial institution owned by the user. Propose a savings account automatic withdrawal system that confirms the balance of the account and requests the financial institution to transfer money from another account to the designated account if the designated account balance is insufficient It is an object.

  In the invention described in claim 1, a payer terminal provided on the payer side, a plurality of financial institutions in which the payer has an account, a payee terminal provided on the payee side, and an account of the payee are opened. A transfer destination financial institution, a management server for managing a payment settlement process, and the Internet connecting the payer terminal, the payment destination terminal, the financial institution, the transfer destination financial institution, and the management server. In the savings account automatic withdrawal system, the management server includes a user management database storing a card number of a card for authenticating a user and user authentication information for authenticating the user, and a plurality of accounts associated with the card number. And the financial institution management database for storing the balance of each account, and when the card number and the payment amount transmitted by the first transmission means are received, A first determination means for determining whether the balance of each account stored in the management database or the total balance of each account is less than the payment amount; Request means for requesting input of the user authentication information to the payer terminal and the payee terminal when it is determined that the balance of the account or the total balance of each account is not less than the payment amount; When the user authentication information transmitted by the transmission unit and the user authentication information transmitted by the third transmission unit are received, the received user authentication information is stored in the user management database. Second determination means for determining whether or not the information matches, each user authentication information received by the second determination means, and stored in the user management database A first notification means for notifying the payee terminal that the transfer can be made from each account of the financial institution when it is determined that the user authentication information matches, and the transfer by the second notification means. When receiving the notice of the account of the destination financial institution, request means for requesting each financial institution to transfer the payment amount to the account of the destination financial institution, and the payment destination terminal, The first transmission means for reading the card number of the card and transmitting the card number and the payment amount charged to the user to the management server when payment by card is desired, and input of the user authentication information When the user authentication information is requested, when the user inputs the user authentication information, and when the user authentication information is input by the second input means, When the third sending means for sending the user authentication information to the management server and the first notifying means that the transfer is possible from each account of the financial institution is received by the first notifying means, The second notification means for notifying the management server of the account, and the payer terminal, when the input of the user authentication information is requested, a first input means for the payer to input the user authentication information And the second transmission means for transmitting the user authentication information to the management server when the user authentication information is input by the first input means.

  The invention described in claim 2 is the automatic savings account withdrawal system according to claim 1, wherein when the payment amount is transferred to the account of the transfer destination financial institution, the financial institution transfers to the management server. When the third notification means for notifying that the transfer has been completed and the notification that the transfer has been completed are received by the third notification means, the management server sends a notification to the payer terminal and the payee terminal. And a fourth notification means for notifying that the transfer has been completed.

  The invention according to claim 3 is the automatic savings account withdrawal system according to claim 1 or 2, wherein the balance of each account or the total balance of each account is less than the payment amount by the first determination means. When it is determined that the payment is made, the payer terminal and the payee terminal are notified that payment is to be made in cash.

  According to a fourth aspect of the present invention, in the automatic savings account withdrawal system according to any one of the first to third aspects, the user authentication information received by the second determination means and the user management database are stored. When it is determined that the user authentication information does not match, the payer terminal and the payee terminal are notified that payment should be made in cash.

  In the invention according to claim 5, a payer terminal provided on the payer side, a plurality of financial institutions in which the payer has an account, a payee terminal provided on the payee side, and an account of the payee are opened. A transfer destination financial institution, a management server for managing a payment settlement process, and the Internet connecting the payer terminal, the payment destination terminal, the financial institution, the transfer destination financial institution, and the management server. In the savings account automatic withdrawal system, the payer terminal includes a card number of a card for authenticating the payer, user authentication information for authenticating the payer, and payment content information which is necessary information for transferring to the account of the transfer destination. Based on the format information received from the management server, and the input payment details information, the card number, and the user authentication information to the management server. When the first sending means for receiving and the first notifying means receive notification that the transfer can be made from each account of the financial institution, the management server is notified that payment is to be made based on the payment content information. The second notification means and the management server are associated with the card number, a user management database storing a card number of a card for authenticating a payer, and user authentication information for authenticating the user. A financial institution management database that stores a plurality of accounts and the balance of each account, a settlement management database that stores the payment details information, the payment details information, the card number, and the user authentication information at the payer terminal Preparation means for preparing the format information for inputting the payment information, the payment content information from the payer terminal, the card number, and Receiving the user authentication information, first determination means for determining whether or not the user authentication information received from the payer terminal matches the user authentication information stored in the user management database; When it is determined by the first determination means that the user authentication information received from the payer terminal matches the user authentication information stored in the user management database, the respective items stored in the financial institution management database A second determination means for determining whether the balance of the account or the total balance of each account is less than the payment amount included in the payment content information; and the financial institution management database by the second determination means It is determined that the balance of each account stored in the table or the total balance of each account is not less than the payment amount included in the payment details information The first notification means for notifying the payee terminal that the transfer can be made from each account of the financial institution, and the second notification means when receiving a notification for payment based on the payment details information, Request means for requesting each financial institution to make payment for the payment content information.

  According to a sixth aspect of the present invention, in the automatic savings account withdrawal system according to the fifth aspect, when the payment from each account of the financial institution is completed based on the payment content information, the financial institution When the third notification means for notifying that the payment has been completed and the notification indicating that the payment has been completed by the third notification means, the management server sends a notification to the payer terminal and the payee terminal. And a fourth notification means for notifying that the payment has been completed.

  The invention according to claim 7 is the automatic savings withdrawal system according to claim 5 or 6, wherein the balance of each account stored in the financial institution management database by the second determination means, or the balance of each account Is determined to be less than the amount of payment included in the payment details information, the payer terminal is notified that payment is to be made in cash.

  The invention according to claim 8 is the automatic savings account withdrawal system according to any one of claims 1 to 7, wherein the management server accesses the financial institution every predetermined period and stores it in the financial institution management database. The balance of each account is updated.

  The present invention uses a single card (hereinafter referred to as an account withdrawal common card), and the account of a financial institution that can be withdrawn by a bank account balance management server that holds information about the account of each financial institution owned by the user. Check the balance, and if the specified account balance is insufficient, the user himself / herself from the other account by requesting the financial institution to transfer the funds from the other account to the specified account. The purpose is to propose an automatic withdrawal system for savings accounts that can save the trouble of transferring shortage money to a specified account. In addition, in the case of postpaid settlement such as a credit card, the number of unpaid cases due to insufficient balance can be reduced. In addition, the balance of a plurality of financial institutions can be confirmed with one card, and it can be deducted from a plurality of accounts for one deposit process. Further, when a money transaction is made, unauthorized use of the card can be prevented by sending a confirmation notice to the mobile phone of the user who has registered in advance.

  The present invention uses a single card (hereinafter referred to as an account withdrawal common card), and the account of a financial institution that can be withdrawn by a bank account balance management server that holds information about the account of each financial institution owned by the user. Check the balance and if the balance of the specified account is insufficient, request the financial institution to transfer the funds from another account to the specified account.

  A savings account automatic withdrawal system according to an embodiment of the present invention will be described with reference to FIG. The savings account automatic withdrawal system according to this embodiment includes a payment destination terminal device 10, a bank account balance management server 20, a payer terminal / mobile phone terminal 30, a financial institution (40, 50), and a transfer request destination financial 60. Each of them is connected via the Internet 100.

  The payee terminal device 10 is an information processing terminal such as a personal computer, and is installed in a store or the like where the user has made a purchase. The payment destination terminal device 10 sends information related to the payment amount of shopping using the user's card or the like to the bank account balance management server 20 via the Internet 100. Then, based on the response from the server, the transfer related to the account of the transfer destination financial institution 60 (the financial institution in which the store where the user did shopping, etc. owns the account) to which the user authentication information for authenticating the user and the payment amount is transferred. Provide information.

  The bank account balance management server 20 is an information processing apparatus that manages information related to accounts of a plurality of financial institutions owned by a user. When the bank account balance management server 20 receives a request for payment from the payment destination terminal device 10, the bank account balance management server 20 checks the balance of each account using the Internet banking function of each financial institution registered in advance by the user. Next, financial institutions (40, 50) that can be withdrawn are determined, and user authentication information for authenticating the user based on the pre-registration information to the payee terminal device 10 and the payer terminal / mobile phone terminal 30 is determined. Send input request. When the information is received from the payee terminal device 10 and the payer terminal / mobile phone terminal 30, the financial institution (40, 50) performs an automatic transfer procedure to the transfer request destination institution 60. If there is no reply of user authentication information within a predetermined time from the payee terminal device 10 and the payer terminal / mobile phone terminal 30, the user authentication information is repeatedly requested until a cancellation request is received from the payee terminal device 10 To do.

  The payer terminal / mobile phone terminal 30 is a mobile phone or a personal computer owned by the user. Based on the payment request from the bank account balance management server 20, information such as user authentication information, transfer information, an account from which the payment amount is deducted, and the payment amount is returned to the bank account balance management server 20.

  A financial institution (40, 50) is a financial institution in which a user owns an account. The transfer request destination financial 60 is a financial institution in which a store or the like where the user has shopped owns an account.

  When there is a withdrawal request from the payer terminal / mobile phone terminal 30 to the bank account balance management server 20 for payment of a credit card / loan or the like, the bank account balance management server 20 sends the financial institution (40, 50). Automatically check your account balance. Then, information on the account that can be debited is returned to the payer terminal / mobile phone terminal 30. The payer terminal / mobile phone terminal 30 returns the bank information to the bank account balance management server 20 (hereinafter referred to as a designated account) for debiting the transfer information regarding the transfer request destination financial 60 and the payment amount. Then, the bank account balance management server 20 performs a withdrawal process from the designated account after notifying the financial institution (40, 50). When the monthly payment amount changes as in the case of loan repayment, the user obtains information on payment requests from each credit card company, loan company, etc. via the Internet or mail every month, and the total payment is made on the payer terminal / mobile phone. Registration from the telephone terminal 30 to the payment management DB 203 is necessary.

  Next, specific processing of credit card and loan payment will be described.

  When paying for shopping with a credit card, the user uses the card number of the card to use the savings account automatic withdrawal system from the payer terminal / mobile phone terminal 30, and the financial institution (40, 50) in which the user owns the account. Information (financial institution number), an account number of a designated account, a credit card number, etc. are registered in the financial institution management DB 203 (shown in FIGS. 6 and 18). Further, the card number, credit card number, creditable amount, settlement date, payment amount, number of warning days, etc. are registered in the settlement information management DB 204 (shown in FIG. 7). The monthly payment amount is registered by the user as information sent from each credit card company (for example, information received from the credit card company via the Internet 100). In the case of loan payment, in addition to the settlement date, monthly payment amount information is registered in advance in the settlement information management DB 204 (shown in FIG. 7). The bank account balance management server 20 is registered in the financial institution management DB 203 when the warning date registered in the settlement information management DB 204 is reached (several days before the settlement date, and the user can freely change the number of days). Check your balance. Here, when the balance is less than the payment amount for the credit card shopping or the loan payment amount, the bank account balance management server 20 performs a procedure for transferring the shortage from another financial institution (40, 50) to the designated account. I do. If the withdrawal is normally made on the settlement date, the bank account balance management server 20 notifies the payer terminal / mobile phone terminal 30 of the information. If the payment amount cannot be withdrawn even if the balance of another financial institution (40, 50) is transferred to the designated account, the bank account balance management server 20 determines the balance with respect to the payer terminal / cell phone terminal 30. Notify that there is a shortage and that you will make the payment yourself.

  Next, the system configuration of the financial institution balance management server 20 will be described with reference to FIG.

  The financial institution balance management server 20 has a user management DB 202, a financial institution management DB 203, and a settlement management DB 204.

  The user management DB 202 holds a card number recorded on a card for using this system and user authentication information (password or the like) for authenticating a user (shown in FIG. 5).

  The financial institution management DB 203 holds information related to accounts of financial institutions (40, 50) owned by the user (shown in FIG. 6). The user accesses the bank account balance management server 20 using his / her payer terminal / mobile phone terminal 30, and the financial institution (40, own) held in the user management DB 202 or the financial institution management DB 203 is owned by the user. 50) Information related to the account etc. can be registered / updated. Note that at the time of registration / update, user authentication processing using a user name / password is performed. The balance is automatically updated by an online service provided by each financial institution (40, 50).

  The settlement management DB 204 holds information related to the settlement process for the current day and the settlement process for the specified date (shown in FIG. 7). The bank account balance management server 20, when performing the settlement processing of the day held in the settlement management DB 204, of the financial institution (40, 50) that can be withdrawn based on the payment request from the payer terminal / mobile phone terminal 30. Information related to the account is transmitted to the payer terminal / mobile phone terminal 30. Then, it receives a response of information such as the designated account of the financial institution (40, 50) to be withdrawn from the payer terminal / mobile phone terminal 30, and performs a transfer process to the transfer request destination financial 60. When the transfer process is completed, the bank account balance management server 20 sends a notification that the procedure has been completed to the payee terminal device 10 and the payer terminal / mobile phone terminal 30.

  On the other hand, with regard to the settlement processing of the designated date, the balance of the designated account designated by the user is confirmed by the day before the designated date (the day before withdrawal), and if there is a shortage, it is taken from the account of another financial institution (40, 50). Transfer the shortage. If the shortage amount is less than the payment amount even if the balances of all accounts are totaled, the payer terminal / mobile phone terminal 30 is notified of this. If the balance of the designated account is less than the payment amount even on the withdrawal date, the bank account balance management server 20 transfers the payment to the payer terminal / mobile phone terminal 30 from another financial institution or cash payment. Request.

  Next, operation | movement of the savings account automatic withdrawal system which concerns on this embodiment is demonstrated using FIG.

  When paying for payment at a store where the payment destination terminal device 10 is installed, if the payer wishes to withdraw the account as a payment method, the store clerk or the like uses the savings account automatic withdrawal system from the payment destination terminal device 10. The card usage number issued to the user (hereinafter referred to as the card number) and the payment amount are input and transmitted to the bank account balance management server 20 (step S301).

  When the bank account balance management server 20 receives the card number and payment content information from the payee terminal device 10, the bank account balance management server 20 searches for an account of a financial institution (40, 50) registered in advance by the user based on the card number, and the balance of the account The inquiry is made using internet banking (step S302). If the balance of each account or the total balance of each account is less than the payment amount (step S303 / NO), the bank account balance management server 20 pays the payment destination terminal device 10 in cash. Is notified (shown in FIG. 8) (step S304).

  On the other hand, when the total balance of each account satisfies the payment amount (step S302 / YES), the bank account balance management server 20 provides user authentication information and the like to the payee terminal device 10 and the payer terminal / mobile phone terminal 30. The input of (shown in FIG. 9) is requested (step S305). If there is no input of user authentication information from the payee terminal device 10 and the payer terminal / mobile phone terminal 30 within a predetermined time, the input of user authentication information is repeatedly requested until there is a cancellation request from the payee terminal device 10. (Step S305).

  When the user authentication information is input through the payee terminal device 10 and the payer terminal / mobile phone terminal 30 (step S305), the bank account balance management server 20 includes the user authentication information input from the payee terminal device 10; The user authentication information input from the payment terminal / mobile phone terminal 30 is compared with the user authentication information held in the user management DB 202 (step S306). When all of the user authentication information from the payment destination terminal device 10, the payment terminal / cell phone terminal 30, and the user management DB 202 do not match (step S306 / NO), the bank account balance management server 20 Notification (shown in FIG. 10) of requesting payment by cash to the apparatus 10 is performed (step S307). On the other hand, if all of the user authentication information from the payment destination terminal device 10, the payment terminal / mobile phone terminal 30, and the user management DB 202 match (step S306 / YES), the payment destination terminal indicates that the withdrawal process is possible. The device 10 is notified (shown in FIG. 11) (step S308).

  Receiving the notification that the debiting process is possible, the payment destination terminal device 10 notifies the bank account balance management server 20 of the account number of the payment request destination financial 60 of the payment amount (step S309). The bank account balance management server 20 that has received the notification of the account number of the transfer request destination financial 60 from the payment destination terminal device 10 receives the transfer request destination financial 60 from the designated account of the financial institution (40, 50) whose balance has been confirmed in step 305. A request for transfer to a predetermined account is requested (step S310).

  The financial institution (40, 50) that has received the transfer process request from the bank account balance management server 20 performs a transfer process to a predetermined account of the transfer request destination financial 60, and upon completion of the transfer process, the bank account balance management server 20 is notified that the transfer process has been completed (step S311). The bank account balance management server 20 that has received the notification that the transfer process has been completed notifies the payee terminal device 10 and the payer terminal / mobile phone terminal 30 that the transfer process has been completed (shown in FIG. 12). (Step S312).

  Next, a transfer operation request operation when a shortage of balance occurs in the use of a credit card or payment of a loan will be described with reference to FIG.

  A user who has received a notice regarding the use of a credit card or a loan payment accesses the bank account balance management server 20 from the payer terminal / mobile phone terminal 30 and requests payment related to the use of the credit card or the payment of the loan. (Step S401). The bank account balance management server 20 that has received the request for the payment process is the card number of the card for authenticating the payer, the user authentication information for authenticating the payer, and the payment necessary information for the transfer to the transfer destination account. The payment terminal / mobile phone terminal 30 is requested to input content information (step S402). The payer terminal / mobile phone terminal 30 that is requested to input the above information is charged to the bank account balance management server 20 in the notice from the credit card company, user authentication information, etc. (shown in FIG. 13). Is transmitted (step S403).

  The bank account balance management server 20 that has received the billed amount, user authentication information, etc. from the payment terminal / mobile phone terminal 30 receives the user authentication information received from the payment terminal / mobile phone terminal 30 and the user held in the user management DB 202. The authentication information is compared (step S404). If the user authentication information received from the payment terminal / mobile phone terminal 30 does not match the user authentication information held in the user management DB 202 (step S404 / NO), the payment terminal / The mobile phone terminal 30 is notified (step S405). On the other hand, when the user authentication information received from the payment terminal / mobile phone terminal 30 matches the user authentication information held in the user management DB 30 (step S404 / YES), the bank account balance management server 20 performs the user authentication. Based on the information, an account opened in the financial institution (40, 50) registered by the cardholder is searched, and the balance of the account is inquired using Internet banking (step S406).

  When the balance of a certain account satisfies the payment amount (step S406 / YES), the bank account balance management server 20 notifies the payer terminal / mobile phone terminal 30 that there is a balance satisfying the payment amount in the account (FIG. 14) (step S407). The payer terminal / mobile phone terminal 30 that has received the notification that the account balance satisfies the payment amount requests the bank account balance management server 20 to make a payment (step S412). Receiving the payment request, the bank account balance management server 20 requests the financial institution (40, 50) for the transfer (step S413). The financial institution (40, 50) that has received the transfer request executes the transfer and notifies the bank account balance management server 20 that the transfer has been completed (step S414). The bank account balance management server 20 that has received the notification that the transfer has been completed from the financial institution (40, 50) notifies the payer terminal / cell phone terminal 30 and the payment destination terminal device 10 that the payment has been completed (see FIG. 17) (step S415).

  On the other hand, when the balance of the above account is less than the payment amount (step S406 / NO), the bank account balance management server 20 was established in another financial institution (40, 50) registered by the user based on the user authentication information. The account is searched, and the balance inquiry of the account is performed using Internet banking (step S408).

  When the balance of the account or the total balance of each searched account satisfies the payment amount (step S409 / YES), the bank account balance management server 20 sends the payment amount to the account to the payer terminal / mobile phone terminal 30. The fact that there is a balance to be filled is notified (shown in FIG. 16) (step S411). The payer terminal / mobile phone terminal 30 that has received notification that there is a balance that satisfies the payment amount in the account requests payment from the bank account balance management server 20 (step S412). Upon receiving the payment request, the bank account balance management server 20 requests the financial institution (40, 50) to transfer the payment amount (step S413). The financial institution (40, 50) that has received the request for the transfer of the payment amount executes the transfer, and notifies the bank account balance management server 20 that the transfer has been completed (step S414). The bank account balance management server 20 that has received the notification that the transfer has been completed from the financial institution (40, 50) notifies the payer terminal / mobile phone terminal 30 that the payment has been completed (step S415).

  In addition, although the said operation | movement (step S408 to 409) is repeated and the account holder searched the account opened in all the financial institutions (40, 50) registered into user management DB202, the balance of each account Alternatively, if the total balance of each searched account is less than the payment amount, the payment terminal / mobile phone terminal 30 is requested to pay in cash as shown in FIG. 15 (step S410).

It is a block diagram which shows the structure of the savings account automatic withdrawal system which concerns on this embodiment. It is a block diagram which shows the structure of a bank account balance management server. It is a flowchart which shows operation | movement of a savings account automatic withdrawal system. It is a flowchart which shows operation | movement of a savings account automatic withdrawal system. It is a figure which shows the structure of user management DB. It is a figure which shows the structure of financial institution management DB. It is a figure which shows the structure of payment information management DB. It is a figure which shows the example of a notification which requests | requires payment by cash. It is a figure which shows the example of notification of the account transfer confirmation to a payer terminal / cell-phone terminal. It is a figure which shows the example of a notification which requests | requires payment by cash. It is a figure which shows the notification example of the account withdrawal confirmation to a payer terminal / cell-phone terminal. It is a figure which shows the example of notification of the account withdrawal result confirmation to a payer terminal / cell-phone terminal. It is a figure which shows the example of notification of the credit payment registration to a payer terminal / cell-phone terminal. It is a figure which shows the example of notification of the credit withdrawal confirmation to a payer terminal / cell-phone terminal. It is a figure which shows the example of notification of the credit withdrawal confirmation to a payer terminal / cell-phone terminal. It is a figure which shows the example of notification of the credit payment registration to a payer terminal / cell-phone terminal. It is a figure which shows the example of notification of the credit withdrawal result to a payer terminal / cell-phone terminal and a payee terminal device. It is a figure which shows the example of a notification which requests | requires the account information setting to a payer terminal / cell-phone terminal.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Payment destination terminal device 20 Bank account balance management server 30 Payer terminal / cell phone terminal 40, 50 Financial institution 60 Transfer request destination financial 100 Internet 202 User management DB
203 Financial Institution Management DB
204 Settlement management DB

Claims (8)

A payer terminal provided on the payer side, a plurality of financial institutions having accounts by the payer, a payee terminal provided on the payee side, a payee financial institution where the account of the payee was opened, In a savings account automatic withdrawal system comprising: a management server for managing a payment process; and the payer terminal, the payment destination terminal, the financial institution, the transfer destination financial institution, and the Internet connecting the management server.
The management server
A user management database for storing a card number of a card for authenticating a user and user authentication information for authenticating the user;
A plurality of accounts associated with the card number, and a financial institution management database that stores the balance of each account;
When receiving the card number and the payment amount transmitted by the first transmission means,
First determination means for determining whether the balance of each account stored in the financial institution management database or the total balance of each account is less than the payment amount;
When the first determination means determines that the balance of each account or the total balance of each account is not less than the payment amount, the user authentication information is input to the payer terminal and the payee terminal. Requesting means to request;
When the user authentication information transmitted by the second transmission unit and the user authentication information transmitted by the third transmission unit are received, the received user authentication information is stored in the user management database. Second determination means for determining whether or not the user authentication information matches,
When it is determined that the user authentication information received by the second determination means and the user authentication information stored in the user management database match, it can be transferred from each account of the financial institution First notifying means for notifying the payee terminal;
Request means for requesting the respective financial institutions to transfer the payment amount to the account of the payee financial institution when receiving the notice of the account of the payee financial institution by a second notifying means;
The payee terminal is
When the user wishes to pay by the card, the first transmission means for reading the card number of the card and transmitting the card number and the payment amount charged to the user to the management server;
A second input means for the user to input the user authentication information when input of the user authentication information is requested;
The third transmission means for transmitting the user authentication information to the management server when the user authentication information is input by the second input means;
The second notification means for notifying the management server of the account of the transfer destination financial institution when the first notification means receives a notification that the transfer can be made from each account of the financial institution;
The payer terminal is
A first input means for a payer to input the user authentication information when input of the user authentication information is requested;
And a second sending means for sending the user authentication information to the management server when the user authentication information is inputted by the first input means. When the transfer of the payment amount to the account of the transfer destination financial institution is completed, the financial institution notifies the management server that the transfer has been completed;
When receiving the notification that the transfer has been completed by the third notification unit, the management server notifies the payer terminal and the payee terminal that the transfer has been completed. The savings account automatic withdrawal system according to claim 1.   When the balance of each account or the total balance of each account is determined to be less than the payment amount by the first determination means, the fact that the payer terminal and the payee terminal should be paid in cash The savings account automatic withdrawal system according to claim 1 or 2, wherein notification is made.   When it is determined that the user authentication information received by the second determination means and the user authentication information stored in the user management database do not match, cash is sent to the payer terminal and the payee terminal. 4. The savings account automatic withdrawal system according to any one of claims 1 to 3, characterized in that the payment is made at a time. A payer terminal provided on the payer side, a plurality of financial institutions having accounts by the payer, a payee terminal provided on the payee side, a payee financial institution where the account of the payee was opened, In a savings account automatic withdrawal system comprising: a management server for managing a payment process; and the payer terminal, the payment destination terminal, the financial institution, the transfer destination financial institution, and the Internet connecting the management server.
The payer terminal is
Based on the format information received from the management server, the card number of the card for authenticating the payer, the user authentication information for authenticating the payer, and the payment content information that is necessary information for the transfer to the transfer destination account Input means to
First transmission means for transmitting the input payment details information, the card number, and the user authentication information to the management server;
The second notification means for notifying the management server that payment is to be made based on the payment content information when the first notification means receives a notification that the transfer can be made from each account of the financial institution;
The management server
A user management database for storing a card number of a card for authenticating a payer and user authentication information for authenticating the user;
A plurality of accounts associated with the card number, and a financial institution management database that stores the balance of each account;
A payment management database for storing the payment content information;
Preparing means for preparing the format information for inputting the payment content information, the card number, and the user authentication information at the payer terminal;
When the payment content information, the card number, and the user authentication information are received from the payer terminal, the user authentication information received from the payer terminal matches the user authentication information stored in the user management database. First judging means for judging whether or not to do;
When it is determined by the first determination means that the user authentication information received from the payer terminal matches the user authentication information stored in the user management database, the user information stored in the financial institution management database is stored. A second determination means for determining whether the balance of each account or the total balance of each account is less than the payment amount included in the payment content information;
When it is determined by the second determination means that the balance of each account stored in the financial institution management database or the total balance of each account is not less than the payment amount included in the payment content information, First notifying means for notifying the payee terminal that transfer can be made from each account of a financial institution;
A savings account comprising: requesting means for requesting each financial institution to pay for the payment content information when receiving a notice for payment based on the payment content information by a second notification means Automatic withdrawal system. A third notification means for notifying the management server of the completion of payment when payment from each account of the financial institution is completed based on the payment content information;
A fourth notifying unit for notifying the payer terminal and the payee terminal of the completion of the payment when the third notifying unit receives the notification that the payment has been completed; 6. The automatic savings account withdrawal system according to claim 5, further comprising:   When it is determined by the second determination means that the balance of each account stored in the financial institution management database, or the total balance of each account is less than the payment amount included in the payment content information, 7. The savings account automatic withdrawal system according to claim 5 or 6, wherein the payer terminal is notified that payment is to be made in cash.   The said management server accesses the said financial institution for every predetermined period, The balance of each said account memorize | stored in the said financial institution management database is updated, The any one of Claim 1 to 7 characterized by the above-mentioned. Savings account automatic withdrawal system.

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