JP2006085445A - Movement system and movement method for electronic data fund - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To facilitate management and designation of money reception side when a plurality of money reception sides are present to a remittance side and when the opposite party is a nearly same party. <P>SOLUTION: A remittance side terminal 11 exhibits a mail address of a money reception side terminal, at least one of a reception money amount and a ratio of the reception money amount, and a secret code number as a mailing list name mem1Ðxxx, for example, so as to perform a remittance request and to designate a group to which the remittance side desires to make the money reception side belong, and performs registration application. An electronic data fund is made to be moved to an account server 3 of the money reception side designated by the money reception side from an account server 2 of the remittance side. Next, a fund movement processor A additionally registers the money reception side mail address aaaÐbbb.cc.dd into a mailing list mem1Ðxxx in a money reception side mailing list management table 1. The secret code number and the reception money amount at that time are registered. Thus, by designating the money reception side terminal to the group to which desiring to make the money reception side terminal belong in time of remittance from the remittance side terminal 11, the money reception side terminal can be registered in the mailing list. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to an electronic data fund transfer system and transfer method.

  2. Description of the Related Art Conventionally, a system is known that enables funds to be transferred by designating an e-mail address of a fund receiving side (receiving side) when transferring electronic data funds (electronic money). For example, a technique has been proposed in which a virtual bank for settlement is provided on the Internet (web), a virtual branch account is opened in the virtual bank, and funds are transferred between the virtual branch accounts. The virtual branch account is uniquely determined by its own authentication information such as an email address and a mobile phone number. Electronic money is converted into cash after the funds are transferred to an actual bank branch account (see, for example, Patent Document 1).

  In addition, it is a remittance system that can handle payments in the Internet era, and can be a simple, cheap, convenient, innovative value-added remittance system for consumers. It consists of a management device and a wallet deposit / withdrawal / credit management system that manages the deposit / withdrawal information and credits of the in-account management device. From the user information, the user amount information that is the amount information of the equity that the user has in the account Management unit information storage means for storing the management unit information for each user, temporary storage means for storing sender information, recipient information, remittance amount information and remittance date information, management unit information storage means and temporary storage means Has disclosed a system comprising information changing means such as a management port for changing the information stored in (see, for example, Patent Document 2).

The technique described in Patent Document 2 notifies a fund receiving side of a URL for receiving funds by e-mail, and allows the fund receiving side to move to the designated URL by accessing the designated URL.
JP 2001-357214 A JP 2003-44682 A

  However, using the system for specifying the e-mail address on the remittance side as described above, if there are many similar groups on the remittance side, it is necessary to remit at approximately the same time. There is a complexity in processing that the recipient's mail address has to be designated many times.

  An object of the present invention is to provide a technique that simplifies the management of electronic data funds when there are many similar groups on the receiving side.

  The electronic data fund transfer system according to the present invention is characterized in that when a plurality of recipient terminals can be regarded as one group, they are managed by a mailing list (group list) collected as one mailing list name. Thereby, designation and management on the receiving side can be facilitated.

  That is, according to one aspect of the present invention, a fund for performing processing related to transfer of funds of the electronic data between a remittance terminal, a plurality of receiving terminals, and the remittance terminal and the receiving terminal. An electronic data fund transfer system comprising: a transfer processing device, wherein the fund transfer processing device includes: an account server of the remittance side terminal; a first e-mail address identifying the remittance side terminal; The amount of electronic data and the personal identification number specified for each e-mail address are managed as a mailing list (group list) for each second e-mail address that specifies the group of recipient terminals grouped. A money terminal management means, an account server of the money receiving terminal, a remittance request for funds of electronic data from the money sending side terminal designating the second mail address, and the first mail Processing for remittance of electronic data funds to the receiving terminal specified by the first mail address and the PIN in response to the input of the PIN from the receiving terminal having a dress And a processing unit for performing electronic data fund transfer.

  According to the above system, the remittance-side terminals grouped by the second e-mail address are managed by the mailing list (group list), so the remittance-side terminal remits money to the receiving-side terminals belonging to the same group. In this case, it is not necessary to individually send money based on the first mail address of the receiving terminal group.

  According to another aspect of the present invention, a step of creating a recipient mailing list (group list) managed by a second email address that identifies a group of recipient terminals identified by a first email address; A step in which the remittance terminal designates the remittance side by the second e-mail address and requests remittance of electronic data funds, and searches the mailing list of the receiving side terminal using the second e-mail address as a key; From the step of prompting the searched receiving terminal to input the first mail address and personal identification number of the receiver and the first mail address and personal identification number input by the receiving terminal A step of determining the validity of the receiving terminal, and if the receiving terminal is determined to be valid, a pool account is created for assigning a receipt number and pooling the total amount of money transfer. And transferring the electronic data funds from the remittance side terminal to the pool account, and sending the receipt number to the remittance side terminal group having the second mail address. To the receiving side account server designated by the receiving side terminal from the pool account by presenting the first e-mail address, the receiving number, and the personal identification number. And a method for transferring electronic data funds is provided.

  The funds of electronic data can be received by transferring funds of electronic data from the remittance side terminal to the pool account and sending the receipt number to the group of remittance side terminals having the second mail address. Transfer of electronic data funds from the pool account to the receiving side account server designated by the receiving side terminal by presenting the first e-mail address, the receipt number, and the personal identification number Therefore, the transfer of electronic data funds is performed smoothly and safely.

  According to the present invention, it is possible to automatically register to the mailing list of the designated group by designating the group on the receiving side in advance or at the time of each remittance, and only specify the mailing list at the time of remittance. It is possible to transfer funds to multiple recipients.

  Furthermore, by providing means for refusing receipt to the money receiving side, it becomes possible to quickly return funds to the money sending side when the money receiving side refuses to accept.

  Hereinafter, an electronic data fund transfer system according to an embodiment of the present invention will be described in detail with reference to the drawings. FIG. 1 is a diagram illustrating a configuration example of an electronic data fund transfer system according to the present embodiment. As shown in FIG. 1, the entire configuration of the electronic data fund transfer system according to the present embodiment includes a fund transfer processing device A, a remittance terminal 11, a remittance terminal 15, a remittance mail server 28, And a receiving side mail server 29. The funds transfer processing device A includes a receiving unit 21 that forms an interface with the remittance-side terminal 11 and a withdrawal unit 27 that forms an interface with the receiving-side terminal 15. Furthermore, the fund transfer processing device A includes a processing unit 25 that performs various funds processing, a receivable mailing list management table 1 connected to the processing unit 25, a remittance account server 2, a remittance account server 2, and A pool account 4 is provided between the withdrawal unit 27 and connected to the withdrawal unit 27, and an account server 3 on the receiving side provided between the pool account 4 and the withdrawal unit 27. In addition, the delivery of the mail to the receiving side terminal is delivered from the processing unit 25 via the sending side mail server 28 and the receiving side mail server 29 in accordance with the contents of the receiving side mailing list management table 1. . The account server 3 on the receiving side is provided in the same fund transfer processing apparatus A. Actually, for example, when the remittance side account and the receiving side account belong to different financial institutions, for example, the broken line in FIG. May be provided in a fund transfer processing apparatus different from the fund transfer processing apparatus A. Below, the case where the account server 3 at the side of money reception also exists in the same money transfer processing apparatus A is demonstrated to an example.

  From FIG. 2A to FIG. 2C, by specifying a group that the recipient wants to belong to at the time of remittance, the mailing list (in this specification, the term “mailing list” is generally used). It is a figure which shows the method of registering not only the so-called normal mailing list used but the group list which put together several e-mail addresses by one group name, and the same also applies below. At this time, each mail address of the receiving terminal 15 and at least one of the received amount or the ratio of the received amount, and a personal identification number for receiving funds are registered in the mailing list. First, as shown in FIG. 2 (A), the remittance terminal 11 specifies the group to which the remittance side should belong together with the remittance request together with the remittance request. Apply for registration by presenting the mailing list name mem1 @ xxx, for example, at least one of the percentages and the PIN. As shown in FIG. 2B, electronic data funds are transferred from the remittance account server 2 to the remittance account server 3 designated by the remittance side. At this time, the account number on the remittance side is 987xxx, and the balance is 30000.

  Next, as shown in FIG. 2C, the fund transfer processing apparatus A additionally registers the receiving side mail address aaa@bbb.cc.dd to the mailing list name mem1 @ xxx of the receiving side mailing list management table 1. At this time, the amount received and the password are registered. In this way, by specifying a group to which the receiving terminal 15 belongs at the time of remittance from the sending terminal 11 as a mailing list name, the receiving terminals 15 can be grouped and registered in the mailing list.

  Therefore, at the next remittance, it is not necessary to register a group to which the new mailing list name is to be assigned, so that the processing for remittance can be saved. In addition, since the receiving side terminal is registered and registered in the mailing list at the time of remittance, there is an advantage that it is possible to save time and effort for the actual remittance request and the creation of the mailing list.

  FIG. 3 is a functional block showing a system for implementing a method of accepting a request for remittance by registering the receiving terminal 15 in advance as a mailing list and specifying the mailing list registered by the remittance side independently of remittance. FIG. FIG. 3A is a diagram illustrating an example in the case where the received amount is set for each receiving-side terminal 15. FIG. 3B is a diagram illustrating an example in which the ratio of each received amount is set for each receiving-side terminal 15.

  As shown in FIG. 3A, the remittance-side terminal 11 requests the fund transfer processing apparatus A to register some of the receivable-side terminals 15 in the mailing list in advance. As a result, the receiving side mail address, the receiving amount, and the personal identification number of one or more receiving side terminals 15 are registered in the receiving side mailing list management table of System A in association with the mailing list name. At this time, the receiving amount can be set for each receiving side mail address. In FIG. 3A, mem1 @ xxx is displayed as the mailing list name, but the receiving terminal 15 groups having the same mailing list name mem1 @ xxx form one group.

  When actually making a remittance, the amount received can be set for each recipient mail address. The funds transfer processing device A searches whether the mailing list name designated by the remittance side terminal 11 as the receivable side terminal 15 exists in the receivable side mailing list management table 1. As a result of the search, if the mailing list name exists in the money-receiving-side mailing list management table 1, confirmation is made with respect to each received money amount registered with respect to the money-receiving-side terminal 11. The remittance terminal 11 can request remittance by resetting necessary items when there is a change in the received amount.

  As shown in FIG. 3B, when the remittance side terminal 11 specifies the ratio of the received amount, it is also necessary to specify the total amount of remittance.

  These methods have an advantage that a remittance process can be performed quickly because a mailing list is created in advance and is used for remittance.

  Next, the system A assigns a unique reception number, opens the pool account 4 related to the total amount of funds transfer using this as a key, and transfers the total amount of funds transfer from the account 2 of the remittance side terminal 11 to the pool account 4. In order to make the reception number unique, for example, a sufficiently large number of counters are provided in the money transfer processing apparatus A, and each time the reception number is assigned, it is counted up one by one. Note that the mechanism for transferring funds to the pool account is the same as in FIG.

  FIG. 4 is a block diagram showing a method for accepting a remittance request by designating a mailing list name. As shown in FIG. 4, the remittance-side terminal 11 requests the remittance processing apparatus A by specifying the mailing list name mem1 @ xxx. In the fund transfer processing device A, the mailing list name mem1 @ xxx is searched in the receiving side mailing list management table 1. If the mailing list name mem1 @ xxx is searched as a result of the search, the amount received or the rate at each receiving terminal 15 is confirmed. Next, each received amount or ratio is checked, and if necessary, each received amount or ratio is changed. If there is a change related to the mailing list name mem1 @ xxx, the change is reflected in the recipient mailing list management table 1. As in the case of FIG. 3, a unique receipt number is assigned, a pool account 4 for pooling the total amount of funds transfer is established, and funds are transferred from the remittance terminal 11 to the pool account 4 (FIG. 4 (B)). .

  FIG. 5 is a diagram showing a method for notifying the remittance side terminal 15 of the remittance. As shown in FIG. 5, the pool account 4 of the total amount of money transfer of the funds transfer processing device A has a table having a reception number, a remittance side account number, a remittance side e-mail address, and a total remittance amount. Yes. It notifies the receiving side terminal 15 group represented by the mailing list name mem1 @ xxx that it has become possible to receive by sending the receipt number. At this time, if a mailing list name is designated so that the receiving terminal 15 can receive the funds from the pool account 4 in which the total amount of electronic data funds is stored, an acceptance number is sent to the receiving terminal 15. Keep it. In other words, sending the receipt number also serves as a notification that the electronic data fund can be received. Note that the pool account 4 has a kind of buffer function that allows the receiving terminal 15 to receive a time lag after remittance.

  Here, there are at least two methods for sending mail from the money transfer processing device A to the plurality of receiving terminals 15. In the first method, the remittance mail server 28 of FIG. 1 manages the same mailing list name mem1 @ xxx and the mail address of the remittance terminal 15 group, and each remittance side as a normal mailing list from the remittance mail server 28. In this method, the same receipt number is distributed to the terminal 15. The second method is a method in which the e-mail address is managed exclusively by the fund transfer processing device A, and the fund transfer processing device A instructs the remittance-side mail server 28 to send individual e-mails to the respective receiving-side terminals 15. is there. In the case of the first method, every time a mail address included in the same mailing list is changed, the contents of the receiving mailing list management table 1 need to be reflected in the mailing list managed by the sending mail server 28. In the case of the second method, although it is referred to as a mailing list for convenience, the remittance mail server 28 is not different from the process of transmitting a plurality of normal mails. You may transmit the mail of a different content for every 15.

  FIG. 6 is a diagram illustrating a process of transferring the funds of electronic data by determining the validity of the receiving terminal. The receiving side terminal 15 is prompted to input a mail address and a personal identification number, and the validity of the receiving side terminal 15 is determined from the mail address and personal identification number input by the receiving side terminal 15 as shown in FIG. Determine. When the receiving terminal 15 is determined to be valid, the pool account 4 for pooling the total amount of funds transfer is specified using the receipt number as a key, and the receiving account server designated by the receiving terminal 15 from the pool account 4 Move electronic data funds to 3. As a result, the receiving terminal 15 can receive funds of electronic data. Since the receiving side terminal 15 can receive funds from the pool account 4 that pools the total amount of remittance, the receiving side terminal 15 can safely receive the funds regardless of the state of the sending side terminal 11.

  Next, processing when the receiving terminal 15 refuses to receive electronic data funds will be described. As shown in FIG. 7, when the receiving terminal 15 refuses to receive funds for electronic data, the amount scheduled to be transferred to the other party is transferred from the pool account 4 of the total amount of funds transfer to the account server 2 on the sending side. Move funds. First, the terminal that has received the remittance notice among the receivable terminals 15 designates that the receipt is refused, its own e-mail address, personal identification number, and reception number, and sends them to the fund transfer processing apparatus A. In the money transfer processing device A, the validity of the receiving terminal 15 is verified from the mail address and personal identification number of the receiving terminal 15. When it is determined that the receiving terminal 15 is valid, the remittance pool account 4 is searched using the reception number as a search key. The electronic data funds relating to the retrieved receipt number are transferred from the pool account 4 on the remittance side to the account server 2 on the remittance side. That is, when accepting refusal is accepted, the fund transfer processing device A specifies the amount of money scheduled to be transferred to the recipient side from the email address and personal identification number, and the pool account 4 of the total amount of funds transfer using the receipt number as a key The funds that were scheduled to be transferred to the account server 2 on the remittance side are reassembled. As a result, even when the receipt is refused, the transfer process relating to the electronic data fund proceeds smoothly.

  As described above, according to the electronic data fund transfer system according to the present embodiment, by specifying a group on the receiving side at the time of each remittance, it is possible to automatically register to the mailing list of the group that specified the receiving side, In this case, funds can be transferred to multiple recipients only by specifying a mailing list. Furthermore, by providing a means for refusing receipt to the money receiving side, it becomes possible to quickly return funds to the money sending side when the money receiving side refuses to accept. Note that a program for causing a computer to execute the above method also falls within the scope of the present invention. In addition, the mailing list defined in this specification refers to a mechanism for delivering the same content mail or different content mails to a plurality of mail addresses by specifying one group name. The mailing list is not limited to a normal mailing list in which an email having the same content is distributed to an address.

  The present invention can be used as a system for transferring funds of electronic data.

It is a figure which shows the whole structure of the fund transfer system of the electronic data by embodiment of this invention. It is a block diagram which shows the system registered into a mailing list by designating the group which a receiving party belongs to at the time of remittance. It is a block diagram which shows the system which registers a receiving side beforehand as a mailing list. It is a block diagram which shows the system which receives the request of remittance by designating a mailing list. It is a block diagram showing a method for notifying remittance to the receiving side. It is a block diagram which shows the system which determines the validity of a money-receiving side and transfers funds. It is a block diagram which shows the system which returns money to the remittance side when the receiving side refuses reception.

Explanation of symbols

  A ... Fund transfer processing device, 1 ... Receiving side mailing list management table, 2 ... Remittance side account, 3 ... Receiving side account, 4 ... Pool account.

Claims (5)

An electronic data fund comprising: a remittance terminal; a plurality of remittance terminals; and a fund transfer processing device that performs processing related to the transfer of electronic data funds between the remittance terminal and the remittance terminal. A mobile system,
The fund transfer processing device includes:
An account server of the remittance terminal;
Identify the group of recipient terminals grouped with a first email address that identifies the recipient terminal and a funding amount and password of electronic data identified for each first email address Receiving side terminal management means for managing as a group list for each second email address;
An account server of the receiver terminal;
In response to the remittance request for funds of electronic data from the remittance side terminal designating the second e-mail address and the input of the personal identification number from the remittance side terminal having the first e-mail address, An electronic data fund transfer system comprising: a processing unit that performs a process of transferring electronic data funds to a receiving terminal specified by a first mail address and the personal identification number.   When requesting remittance of funds for electronic data from the remittance side terminal, by specifying the second e-mail address, registering each of the remittance side terminals to a group to which they belong and creating the group list The electronic data fund transfer system according to claim 1.   3. A pool account for pooling the total amount of remittance in response to a remittance request for a series of electronic data funds specifying the second e-mail address from the remittance terminal. Electronic data fund transfer system described in 1.   Means for identifying a terminal that has refused receipt when the recipient terminal that has received the notification for receiving funds of the electronic data refuses receipt, and moving the scheduled remittance amount from the pool account to the remittance source account; 4. The electronic data fund transfer system according to claim 3, further comprising: In a funds transfer processing device that performs processing related to the transfer of funds of electronic data,
Creating a recipient group list managed by a second email address that identifies a group of recipient terminals identified by a first email address;
Receiving a remittance request for funds of electronic data from a remittance side terminal by designating the remittance side by the second e-mail address;
Searching the group list of the receiving terminal using a second mail address as a key, and prompting the searched receiving terminal to input the first mail address and a personal identification number;
Determining the validity of the receiving terminal from the first mail address and personal identification number input by the receiving terminal;
A step of opening a pool account for pooling the total amount of funds transfer by assigning a receipt number and transferring funds of electronic data from the remittance terminal to the pool account when the remittance terminal is determined to be valid When,
Notifying that the funds of the electronic data can be received by sending the receipt number to the receiver side terminal group having the second mail address;
Presenting the first e-mail address, the receipt number, and the personal identification number, and urging the transfer of electronic data funds from the pool account to a recipient account server designated by the recipient terminal;
A method for transferring electronic data funds.

Images