JP2006285623A - Settlement processor and program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To achieve reduction of load and speeding up of clerical work at the side of payer in settlement between a payer and a payee. <P>SOLUTION: The payer notifies a financial institution of a payment account to be used for payment to the payee in advance. After payment processing to the payment account, outstanding amount, a payee name and EDI information for each payment are registered in a settlement information DB as price settlement information and furthermore, notifies the payee of the outstanding amount and the EDI information. The payee goes to an ATM installation at desired time, performs operation of insertion of a cash card, input of personal identification number and EDI information, etc. and directs execution of transfer of 0 yen or non-set amount of transfer amount. If the transfer amount of the transfer of which execution is directed is 0 yen or non-set, a host computer recognizes the outstanding amount by searching price settlement information in which the EDI information and the payee name are coincident, checks out the payment account notified beforehand from the payer. Settlement between the payer and the payee completes by paying out the outstanding amount from the payment account to a payee's account. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to a payment processing apparatus and program, and in particular, a payment processing apparatus realized by a computer connected to a terminal operated by a recipient via a communication line, and causes the computer to function as the payment processing apparatus. It is related with the settlement processing program for.

  In the transfer process, the payer (transfer requester) provides transfer information such as the transfer amount, transfer destination account information (financial institution name, branch name, account type, account number, etc.), payee name (transfer account holder name), etc. This is done by requesting a financial institution to execute the transfer process. However, for example, by signing contracts for short-term work with workers who are replenished as appropriate, work that continues every day is covered by multiple workers who are engaged in the work for a short period of time, and for workers whose contract period has expired. If the number of accounts to be transferred in the transfer process is relatively large and the payee account is not constant, such as paying by wage, the payer will need to transfer the payee account etc. Since it is necessary to collect the transfer information and input and set the collected transfer information, there is a problem that the paperwork becomes very complicated. In addition, since the execution of the transfer process cannot be requested unless transfer information is available, there is a problem that the timing of completion of settlement (transfer) tends to be delayed in the above case, and the convenience of the recipient is low.

In relation to the above, in Patent Document 1, a billing inquiry key (clearing key) corresponding to each individual billing request is registered in the billing details database in association with the billing request database, and the billing inquiry key is input by the transfer requester When the transfer requester is presented with the transfer details at least part of the charge details associated with the input billing inquiry key and the charge details database, the transfer requester's confirmation regarding the transfer details is obtained. A technique for realizing labor saving of transfer input by a transfer requester by performing a transfer process is disclosed.
JP 2003-50961 A

  The technique described in Patent Document 1 described above is based on the premise that information indicating the contents of the request is registered in the database, and is not specified in Patent Document 1, but the information indicating the contents of the request is the recipient (requester). ) Is generated and transferred to the payer (transfer requester). However, there are many transactions in which payment is made without the recipient generating information representing the contents of the charge or performing similar work such as issuing an invoice, such as when paying by wage. The technique described in Patent Document 1 has a drawback that it cannot be applied to settlement in this type of transaction.

  The present invention has been made in consideration of the above facts, and provides a settlement processing apparatus and a settlement processing program capable of reducing and speeding up the burden of paperwork on the payer side in the settlement between the payer and the payee. Is the purpose.

  In order to achieve the above object, a settlement processing apparatus according to claim 1 is a settlement processing apparatus realized by a computer connected via a communication line to a terminal operated by a recipient, First storage means for storing account identification information for identifying an account established by a financial institution and receiving funds for payment to a payee, and individual receipts notified from the payer A second storage means for storing a payment amount for each person and a plurality of types of identification information for identifying individual recipients in association with each individual recipient; and the terminal is operated by the recipient, When the payee is instructed to execute a transfer process with a transfer amount of 0 or not set, a plurality of types of setting information set directly or indirectly by the payee at the time of the transfer process execution instruction 2 memories A plurality of types of identification information stored for each individual recipient, and a plurality of types of setting information stored in the second storage unit by verification by the verification unit When it is determined that each of the plurality of types of identification information matches with the plurality of types of identification information, the plurality of types of identification information are determined to correspond to the plurality of types of identification information. A payout processing means for paying out the payment amount stored in the second storage means from the payer's account identified by the account identification information stored in the first storage means to the payee It is characterized by having.

  The settlement processing apparatus according to the first aspect of the present invention is connected to a terminal operated by a recipient (may be an ATM or a terminal such as a PC or a portable terminal possessed by the recipient) via a communication line. Realized by a computer. According to the first aspect of the present invention, an account is opened in a financial institution by a payer, funds used for payment to a payee are deposited in the account, and an account for identifying the account is stored in the first storage means. Identification information is stored. In the invention described in claim 1, the payment amount for each individual payee and a plurality of types of identification information for identifying the individual payee are notified from the payer, and the payment amount for each notified payee A plurality of types of identification information for identifying individual recipients are stored in the second storage means in association with each individual recipient.

  Further, in the first aspect of the invention, when the terminal is operated by the payee and the payee is instructed to execute the transfer process with the transfer amount of 0 or not set, the collating means performs the transfer process. The plurality of types of setting information set directly or indirectly by the recipient at the time of execution is collated with the plurality of types of identification information stored for each individual recipient in the second storage means. In the first aspect of the invention, it is determined by the collating means that the plurality of types of setting information match each of the plurality of types of identification information of the specific recipient stored in the second storage unit. In this case, the payment amount stored in the second storage unit in association with the plurality of types of identification information determined to be consistent with the plurality of types of setting information by the payout processing unit is stored in the first storage unit. A payout process for paying out to the payee from the payer's account identified by the account identification information that has been made is performed.

  In the first aspect of the invention, the plurality of types of identification information notified from the payer are stored in the second storage means, and the plurality of types of identification information are directly or indirectly received by the recipient when the transfer processing is instructed. By collating with the set information of plural types set, it is determined whether or not the recipient who instructed to execute the transfer process with the transfer amount of 0 or not set through the terminal is a valid recipient. The plurality of types of identification information may be information that can identify individual recipients, and can be determined by a payer like EDI (Electronic Data Interchange) information and a password described later. According to the first aspect of the present invention, the payout process is performed because the payout is performed to the payee as a trigger when the payee has instructed the transfer process to be executed when the transfer amount is 0 or not set via the terminal. Sometimes the payee is operating the terminal, and when paying to the payee by paying into the account opened at the financial institution, the payee's account is specified as the transfer destination Information can be input or an operation for specifying the account can be performed by the recipient. If the terminal operated by the recipient is an ATM, the payout to the recipient can be made with cash.

  When the payment between the payer and the payee is made by transfer to the payee's account, the payer is not involved (cannot be involved) in the transfer process itself, so conventionally the payer collects and inputs the transfer information. However, in the invention described in claim 1, since the payout process is triggered by an instruction from the payee, the payee can be involved in the payout process. It is no longer necessary for the payer to collect information on the payee's account and the like for settlement between the payee and the payee. As a result, the burden on the payer's paperwork can be reduced, and the payer's paperwork burden can be reduced. It is possible to speed up settlement between payees. In addition, with respect to the payee, it is not necessary for the payee to notify the payer of the account information established at the financial institution, and it becomes possible for the payee to receive a payout at a desired timing. Can be reduced, and the safety and convenience can be improved.

  In the invention described in claim 1, EDI information determined by the payer can be applied as one of the plurality of types of identification information. In this case, for example, as described in claim 2 The EDI information is notified from the payer to the settlement processing apparatus and stored in the second storage means, and the corresponding payee is notified of the EDI information. Sometimes EDI information can be directly set as one of the plurality of types of setting information by inputting EDI information via a terminal. When EDI information is applied as one piece of identification information, the payer can freely determine the EDI information, so it takes time to notify the recipient of the determined EDI information, but information is collected from the recipient. Thus, there is no need to make input settings, and the burden on the payer's paperwork is reduced.

  In the invention described in claim 1, the recipient name of the recipient can be applied as one of the plurality of types of identification information. In this case, for example, as described in claim 3, the recipient name Is notified from the payer to the payment processing device and stored in the second storage means, and the recipient performs plural operations of the recipient name by performing an operation necessary for his / her authentication when instructing the execution of the transfer process. The recipient name is directly set as one of a plurality of types of setting information by setting the recipient name as one of a plurality of types of setting information. be able to. The payee name is unique to each payee and is not information that can be freely determined by the payer. However, when paying between the payer and the payee, the payee name is naturally known to the payer and Since it is not information to be collected again from the person side, the burden on the payer's paperwork is reduced as compared with the case where the information of the recipient's account is collected from the recipient side and input and set.

  In the invention described in claim 3, as an operation necessary for the authentication of the payee himself, for example, as described in claim 4, an account opened by the payee himself / herself in the financial institution in the ATM as a terminal And an operation of inputting a personal identification number set in the account via ATM. In this case, the collating means determines the name of the account that can be specified based on the information recorded on the cash card inserted into the ATM and the personal identification number input via the ATM. It can be configured to collate with a plurality of types of identification information.

  In the invention described in claim 1, a password determined by a payer can be applied as one of the plurality of types of identification information. In this case, for example, as described in claim 5, The payer is notified to the payment processing apparatus from the payer and stored in the second storage means and is also notified to the corresponding payee. The password can be directly set as one of a plurality of types of setting information by inputting the password via the password. When a password is applied as one of the identification information, the payer can decide the password freely, so it takes time to notify the recipient of the determined password, but information is collected and entered from the recipient side. There is no need to set it, and the burden on paperwork of the payer is reduced. Further, since both the EDI information described in claim 2 and the above password are information that does not depend on the recipient (information that is not unique to each recipient), EDI information, passwords, and similar information are used as a plurality of types of identification information. If the payee is notified of the EDI information and password to the third party, the payee can also transfer the right to receive payment from the payer to the third party.

  As described above, in the invention according to claim 1, as the payout processing by the payout processing means, for example, as described in claim 6, the payment amount stored in the second storage means is used as the account identification information. It is possible to perform deposit processing for depositing from the payer's account identified by the account to the account opened by the recipient at the financial institution. When the person himself / herself inserts the cash card of the account opened in the financial institution and inputs the personal identification number set in the account via ATM, the payout processing means is, for example, claim 7. As described in, the account of the payee performing the deposit process is recognized based on the information recorded on the cash card inserted into the ATM and the PIN entered via the ATM. It can be configured to.

  The payment processing program according to the invention described in claim 8 is connected to a terminal operated by the payee via a communication line, and is a fund opened by the payer in the financial institution and used for payment to the payee A first storage means for storing the account identification information for identifying the account to which the payment is made, and a plurality of amounts for identifying the payment amount and the individual payee for each payee notified from the payer A payment processing program for causing a computer having a second storage means for storing seed identification information in association with each recipient to function as a payment processing device, wherein the terminal is received by the recipient by the recipient. By the operation, when the payee is instructed to execute the transfer process whose transfer amount is 0 or not set, the payee is directly or indirectly set when the transfer process is instructed. A plurality of types of setting information are collated with a plurality of types of identification information stored for each individual recipient in the second storage unit, and by the verification by the verification unit, the plurality of types When it is determined that the setting information matches each of a plurality of types of identification information of a specific recipient stored in the second storage means, the setting information matches the plurality of types of setting information The payer's account identified by the account identification information stored in the first storage means, with the payment amount stored in the second storage means in association with the plurality of types of identification information determined to be It functions as a payout processing means for performing payout processing for paying out to the recipient.

  Since the settlement processing program according to the invention described in claim 8 is a program for causing a computer including the first storage means and the second storage means to function as the verification means and the payout means, the computer By executing the settlement processing program according to the invention described in claim 8, the computer functions as the settlement processing apparatus according to claim 1, and, similarly to the invention according to claim 1, the payer It is possible to reduce the load and speed up the paperwork on the payer side in the settlement between the customer and the payee.

  As described above, the present invention stores account identification information for identifying an account that is established by a payer at a financial institution and into which funds used for payment to the payee are deposited, and the payer The amount of payment for each recipient and the multiple types of identification information for identifying each recipient are stored in association with each recipient, and the terminal is operated by the recipient. When the transfer process is instructed to be executed when the transfer amount is 0 or not set, a plurality of types of setting information set by the payee when the transfer process is instructed are stored in the second storage unit for each individual payee. It matches each of the stored multiple types of identification information, and if the multiple types of setting information match each of the multiple types of identification information of a specific recipient, it matches the multiple types of setting information. Corresponding to multiple types of identification information judged to be Since the stored payment amount is withdrawn from the payer's account identified by the account identification information to the payee, it reduces the burden on the payer's paperwork in the settlement between the payer and the payee. It has an excellent effect of speeding up.

  Hereinafter, an example of an embodiment of the present invention will be described in detail with reference to the drawings. FIG. 1 shows a computer system 10 according to the present embodiment. The computer system 10 includes a host computer 12 installed in a specific financial institution. The host computer 12 is composed of a general-purpose large computer and includes a CPU 12A, a ROM 12B, a RAM 12C, and an input / output port 12D, which are connected to each other via a bus 12E such as an address bus, a data bus, and a control bus. A communication control device 14, a display 16, a mouse 18, a keyboard 20, and an HDD (hard disk drive) 22 are connected to the input / output port 12D as various input / output devices.

  The storage area of the HDD 22 stores an account information DB (database) for storing information (account information such as account number, account holder name, personal identification number, and balance) of each account opened by a customer of a specific financial institution. Has been. In addition, the specific financial institution according to the present embodiment provides a non-designated price settlement service to customers. As will be described in detail later, the non-designated price settlement service is triggered by the fact that the payer registered price settlement information such as the payment amount in advance, and the recipient instructed the execution of the non-designated money transfer, This is a service that completes the payment settlement between the payer and the payee by performing a payment process from the payer's account to the payee's account based on the payment information. In order to provide this non-amount specified price settlement service, the HDD 22 has a payment account information DB for storing information of an account (payment account) designated as an account used for the no-amount specified price settlement service, A price settlement information DB for storing price settlement information notified by a person is stored. In addition, a transfer program for performing a transfer process is installed in the HDD 22 of the host computer 12 (the above processes will be described later). The transfer program corresponds to the settlement processing program according to claim 8, and the host computer 12 functions as the settlement processing apparatus according to the present invention by the CPU 12 </ b> A of the host computer 12 executing the above-described transfer program. To do.

  The communication control device 14 of the host computer 12 is connected to a computer network 26 built in a specific financial institution. The computer network 26 is configured by connecting branch office servers 28 (PCs, workstations, and large computers) installed in each branch of a specific financial institution to each other via a communication line. The store server 28 is connected to a plurality of ATMs (Automatic Teller Machines) 30 installed in the same branch as the individual store server 28. The ATM 30 is owned by a display unit 30A made of a CRT or the like and capable of displaying arbitrary information, an input unit 30B made of a touch panel or the like and capable of inputting arbitrary information, and a customer who has opened an account with a specific financial institution. A card reader 30C is provided, which can be loaded with a cash card and can read information magnetically recorded on the loaded cash card.

  In addition, the communication control device 14 of the host computer 12 is connected to the Internet 36 via a web server 34 that operates an online financial transaction website. A client PC 38 possessed by a payer or a payee who uses an unspecified price settlement service. The specific financial institution according to the present embodiment uses an online financial transaction website operated by the web server 34 as a service that enables the customer to conduct financial transactions online, and provides online financial transactions from the customer. An online financial transaction acceptance service that accepts transaction execution instructions. In a financial transaction using this online financial transaction reception service, the customer browses the web page of the online financial transaction website via the client PC 38 and inputs necessary information on the web page, so that the customer desires Information (financial transaction instruction information) for instructing execution of the current financial transaction is transmitted from the client PC 38 to the web server 34. Based on this financial transaction instruction information, a financial transaction instructed by a customer is performed by the host computer 12.

  Next, the operation of this embodiment will be described. Among customers of specified financial institutions, for example, customers who need to make frequent payments to unspecified recipients, such as paying wages for short-term work, reduce the burden of paperwork related to transfer processing In order to do this, the aforementioned non-designated price settlement service provided by a specific financial institution is used as a payer. A customer who uses a payment service with no specified amount of money as a payer (hereinafter referred to simply as “payer”) is an account used by the payer himself / herself in a specific financial institution (for the recipient) The account for pooling funds used for payment (payment account) is determined, and when applying for the use of the service, the determined payment account is notified to a specific financial institution. In a specific financial institution that has applied for the use of an unspecified price settlement service, payer identification information for identifying individual payers is given to the applicant (payer), and the given payer identification information is Corresponding to the account number of the payment account notified from the payer (information obtained by numbering a series of information of financial institution name, branch name (store number), account type (subject) and account number), the host computer 12 The payment account information DB stored in the HDD 22 is registered as payment account information. Note that the account number of the payment account corresponds to the account identification information according to the present invention, and the HDD 22 that stores the payment account information DB in which such information is registered corresponds to the first storage means according to the present invention. .

  In addition, when it becomes necessary to make a payment to the payee, the payer determines the amount to be paid to the individual payee and differs for each payment (recipient) for each payee (payee). EDI information is set (see also step 50 in FIG. 2). Subsequently, the payer operates the client PC 38 to access the online financial transaction website, and first checks the balance of the payment account. If the balance of the payment account is less than the total payment amount in the scheduled payment, the payer can transfer the account from another account established by the payer to the payment account via the online financial transaction website. By instructing the transfer, the specific financial institution is instructed to execute the deposit process to the payment account (see also step 52 in FIG. 2). The above instructions are transferred from the web server 34 to the host computer 12, and the host computer 12 of the specific financial institution performs a payment process to the payment account in accordance with the instructions from the payer (see also step 54 in FIG. 2). ).

  Next, while accessing the online financial transaction website, the payer operates the client PC 38 to specify the payment amount determined for each payment (payee), EDI information, and the payee name in each payment. By inputting in order, it is instructed to register the above-mentioned payment amount, EDI information, and recipient name for each individual payment (recipient) (see also step 56 in FIG. 2). When the above instruction is transferred from the web server 34 to the host computer 12, the host computer 12 sends the payment amount, payee name and EDI information notified from the payer for each payment (payee) to the HDD 22. Is registered as price settlement information in association with the payer identification information of the payer (see also step 58 in FIG. 2). Since the registration of information in the price settlement information DB is executed in real time whenever instructed by each payer, the information shown in the following Table 1 is registered in the price settlement information DB as an example. Become.

  Of the information registered in the payment settlement information DB, “payment amount” corresponds to the payment amount according to the present invention, and “EDI information” and “recipient name” correspond to the plural types of identification information according to the present invention. The HDD 22 that stores the price settlement information DB in which these pieces of information are registered also corresponds to the second storage means according to the present invention. When the price settlement information corresponding to each payment is registered in the price settlement information DB as described above, the non-value-designated price settlement service according to the present embodiment is in a state where individual payment can be executed. Among the payment settlement information to be registered in the payment settlement information DB, the payment amount and EDI information are information determined by the payer, and the payee name is also known to the payer, so when instructing registration of the payment settlement information, Payers do not need to perform complicated paperwork, such as listening to individual payees to input information on accounts opened by individual payees from financial institutions, and the payer's work load is reduced. It is reduced. Further, by reducing the burden on the payer's paperwork, it is possible to quickly shift to a state in which payment can be performed, and it is possible to speed up settlement between the payer and the payee.

  Once the individual payment is ready for execution as described above, the payer notifies the payee corresponding to the individual payment that the payment (payment of payment amount) has been made possible, The previously determined payment amount and EDI information are taught (see also step 60 in FIG. 2). Recipients who have received the payment amount and EDI information are sent to the ATM 30 installation location at a desired time to receive the taught payment amount, and various executable options displayed on the display unit 30A of the ATM 30 as options. "Transfer" is selected as the financial transaction to be executed (see also step 62 in FIG. 2).

  When the execution of the transfer process is instructed, an input screen for inputting various instructions and information necessary for executing the transfer process is displayed in order on the display unit 30A of the ATM 30. The transfer information necessary for executing the transfer process is set by inputting the corresponding instructions and information by the user, but each input screen includes a transfer amount input screen for entering the transfer amount The recipient who wants to receive the payment amount inputs 0 yen as the transfer amount via this transfer amount input screen, or displays the next input screen without setting the transfer amount. Perform the operation to instruct.

  In addition, each input screen includes an input screen that displays options for selecting whether the funds to be transferred are paid in cash or whether the payee is to pay from an account established at a specific financial institution. When this input screen is displayed on the display unit 30A, the recipient who wishes to receive the payment amount selects “payment from an account” and the recipient himself / herself is established at a specific financial institution. The account cash card is inserted into the card reader 30C of the ATM 30 (see also step 64 in FIG. 2). Thereby, information such as an account number recorded on the inserted cash card is read by the card reader 30C. When a cash card is inserted into the card reader 30C, a message requesting input of a personal identification number of an account corresponding to the inserted cash card is displayed on the display unit 30A of the ATM 30. The personal identification number is input by operating the input unit 30B (see also step 66 in FIG. 2).

  When a cash card is inserted into the card reader 30C of the ATM 30 and a password is input via the input unit 30B, information such as an account number read from the cash card by the card reader 30C and the input password are displayed. It is transmitted from the ATM 30 to the host computer 12 via the branch office server 28. The host computer 12 compares the information received from the ATM 30 with the information in the account information DB stored in the HDD 22 and determines whether or not the correct personal identification number has been entered. The recipient is authenticated (see also step 68 in FIG. 2).

If the input password is different from the password registered in the account information DB in association with the received account number, the password is requested to be re-input according to the instruction from the host computer 12. A screen is displayed on the display unit 30A of the ATM 30, but when the input password matches the password registered in the account information DB (when the determination in step 70 in FIG. 2 is affirmed). In the above-described input screens, the display of the input screens not displayed on the display unit 30A is resumed. Each input screen includes an input screen that allows input of additional information to be added to the transfer information. When this input screen is displayed on the display unit 30A, it is desired to receive the payment amount. The payee inputs and sets the EDI number notified from the payer (see also step 72 in FIG. 2). When the input of various instructions and information is completed, the recipient who wishes to receive the payment amount instructs execution of the transfer process.

  As a result, the account number of the account corresponding to the cash card inserted into the card reader 30C of the ATM 30 with the transfer amount set to 0 yen or not set from the ATM 30 to the host computer 12 via the branch office server 28. Alternatively, the transfer information including the EDI information input by the payee is transmitted to instruct execution of a transfer process with a transfer amount of 0 yen or an unset transfer (see also step 74 in FIG. 2). When the host computer 12 receives the transfer information, the CPU 12A executes the transfer program to perform the transfer process shown in FIG.

  In this transfer process, first, in step 100, it is determined whether or not the transfer amount included in the received transfer information is 0 yen or not set (see also step 76 in FIG. 2). If the determination is negative, the process proceeds to step 102, where the designated transfer amount is stored, the stored transfer amount is deposited into the specified transfer destination account, and a normal transfer process for collecting a fee is performed (see FIG. (See also step 78 of 2). In addition, if the transfer amount included in the received transfer information is 0 yen or not set, it can be determined that the instruction related to the transfer information received this time is payment using an unspecified amount payment service, The determination in step 100 is affirmed and the routine proceeds to step 104, where it is determined whether EDI information is added to the received transfer information. If the determination is negative, the process proceeds to step 120, where error processing is performed such as displaying an error screen on the display 30A of the ATM 30 to notify that the processing cannot be executed because there is an error in the input and set information. The process ends.

  On the other hand, if EDI information is added to the received transfer information, the determination in step 104 is affirmed and the process proceeds to step 108, where the account number included in the received transfer information is extracted, and the extracted account number is The account information DB is searched using the key, the account holder name is extracted from the account information extracted by the search, and the retrieved account holder name is stored in the memory (RAM 12C) as the recipient name, and the account number used for the search is received. It is stored in the memory as a person account number. In the next step 110, EDI information is extracted from the received transfer information, and the payment settlement information DB is searched using the extracted EDI information and the recipient name stored in the memory in the previous step 108 as a key (step 80 in FIG. 2). See also). This step 110 corresponds to the collating means according to the present invention (specifically, the collating means described in claim 4). In the next step 112, it is determined whether or not the corresponding payment settlement information has been extracted by the search in step 110. If the determination is negative, the process proceeds to step 120, and error processing is performed such as displaying an error screen on the ATM 30 display unit 30A to notify that the processing cannot be executed because the corresponding payment settlement information is not registered. The process ends.

  Further, when the corresponding payment settlement information is extracted from the payment settlement information DB by the search in step 110, the determination in step 112 is affirmed and the process proceeds to step 114, and the payment amount is extracted from the extracted payment settlement information. To store in memory. Since the EDI information and the payee name are used as keys in the search of step 110, the step is executed only when the payment settlement information in which the EDI information and the payee name respectively match the key is registered in the payment settlement information DB. The determination at 112 is affirmed. For this reason, when appropriate information is entered as EDI information by a malicious third party and the transfer amount of 0 yen or execution of unset transfer is instructed, the information entered as EDI information is the price settlement information. Even if it coincides with the EDI information of any price settlement information registered in the DB by chance, there is almost no possibility of matching to the payee name. It can be prevented from being abused by the three parties.

  In the next step 116, the payment settlement information extracted in the search in step 110 and the payer identification information associated with the payment settlement information DB are read from the payment settlement information DB, and the read payer identification information is read out. The payment account information DB is searched using the key, the payment account number set in the payment account information extracted by this search is extracted and stored in the memory, and the payment account notified in advance by the payer is recognized. (See also step 80 in FIG. 2). In the next step 118, the account information DB is searched using the account number of the payment account stored in the memory in step 116 as a key, and the balance included in the account information extracted by the search is stored in the memory in the previous step 114. It is determined whether or not there is a balance more than the current payment amount in the payment account by comparing with the payment amount. If the determination is negative, the process proceeds to step 120 where error processing is performed such as displaying an error screen notifying that the processing cannot be executed due to a shortage of balance on the display unit 30A of the ATM 30, and the transfer processing is terminated.

  If the balance of the payment account is equal to or greater than the current payment amount, the determination in step 118 is affirmed and the routine proceeds to step 122, where the current payment amount is debited from the payment account and debited from the payment account. A transfer process for depositing the amount of money into the account recipient account of the account number stored in the memory in the previous step 108 is performed (see also step 84 in FIG. 2). This step 122 corresponds to the payout processing means according to the present invention (specifically, the payout processing means described in claim 6). In the next step 124, the price settlement information corresponding to the transfer process executed in step 122 is deleted from the price settlement information DB. In step 126, a payment completion notification screen for notifying that the payment has been completed is displayed on the display unit 30A of the ATM 30 to notify the payee of the completion of payment to the payee account (see also step 86 in FIG. 2). ), The transfer process is terminated.

  As described above, in the non-value specified price settlement service according to the present embodiment, the payer pays the price settlement information DB in advance by the payer as a trigger when the transfer amount is instructed to be 0 yen or an unset transfer. When the transfer process (payout process) based on the registered price settlement information is performed, and when the transfer amount 0 yen or execution of an unset transfer is instructed, an operation that can specify the payee account (card reader of ATM 30) (The operation to insert the cash card into the 30C and input the personal identification number via the input unit 30B) is performed by the recipient, so that complicated paperwork such as collecting and setting the recipient account information is paid. There is no need for a person to do so, and the burden on the payer's paperwork is reduced.

  In addition, as the burden on the payer's paperwork is reduced, early transition to a state in which payment to the payee can be executed (a state in which the payment settlement information corresponding to the payment settlement information DB is registered) As a result, it is possible to speed up the settlement between the payer and the payee. In addition, the non-value-designated price settlement service according to the present embodiment eliminates the need for the payee to notify the payer of information on the payee account and enables payment at a desired time. , It has the merit of reducing the burden on the recipient and improving safety and convenience.

  In the above description, the case where the payer and the payee have opened an account in the same financial institution (specific financial institution) has been described as an example, but the present invention is not limited to this, and the payer and the payee Needless to say, this is also applicable to those who have opened accounts at different financial institutions.

  In the above description, the case where the payee operates the ATM 30 to receive the payment amount has been described. However, the present invention is not limited to this. Information similar to the case where the ATM 30 is operated at the financial institution window (EDI information and Recipient communicates recipient name, recipient account information, transfer amount is 0 yen, etc., and financial institution staff inputs and sets the information communicated from the recipient via the branch office terminal (Recipient It is also possible to make a transfer from the payment account to the payee account by performing the same operation as when the ATM 30 is operated.

  Further, in the above description, an example in which payment from a payer to a payee is realized by transfer from a payment account to a payee account is described as an example, but the present invention is not limited to this, and You may make it pay out cash. For example, when EDI information and a recipient name are used as a plurality of types of identification information according to the present invention, the recipient name is inserted in a cash card of the recipient account into the card reader 30C of the ATM 30, and the input unit 30B May be identified by letting the recipient enter the password via the recipient, but considering that the recipient may not have opened an account, the recipient will receive a transfer amount of 0 yen or not yet set When instructing the execution of the transfer, it is desirable to cause the recipient to perform an operation of inputting the recipient name as the name of the recipient. Further, the plurality of types of identification information according to the present invention are not limited to EDI information and payee name, but the password determined by the payer (or determined by the payee and notified to the payer) together with the EDI information. You may use as multiple types of identification information which concerns on invention. In this case, when the recipient instructs the execution of the transfer amount of 0 yen or an unset transfer, the recipient only has to perform an operation of inputting EDI information and a password. Also, since the EDI information and password are information that does not depend on the recipient (not unique to each recipient), when EDI information, password, and similar information are applied as multiple types of identification information, By notifying the third party of the EDI information and password, it is possible to obtain the effect that the recipient can transfer the right to receive payment from the payer to the third party.

It is a block diagram which shows schematic structure of the computer system which concerns on this embodiment. It is a sequence diagram for demonstrating the amount non-designated price settlement service which concerns on this embodiment. It is a flowchart which shows the content of the transfer process performed with a host computer.

Explanation of symbols

10 Computer system 12 Host computer 22 HDD
30 ATM
34 Web server 38 Client PC

Claims (8)

A payment processing apparatus realized by a computer connected via a communication line to a terminal operated by a recipient,
First storage means for storing account identification information for identifying an account established by a payer at a financial institution and into which funds used for payment to a payee are deposited;
Second storage means for storing a plurality of types of identification information for identifying each payee and a payment amount for each payee notified from the payer in association with each payee;
When the terminal is operated by the payee and the payee is instructed to execute the transfer process with a transfer amount of 0 or not set, the payee is directly or indirectly set when the transfer process is instructed. A plurality of types of setting information set in the second storage unit and a plurality of types of identification information stored for each recipient, respectively
When it is determined by the collation by the collation means that the plurality of types of setting information match each of the plurality of types of identification information of the specific recipient stored in the second storage unit, The payment amount stored in the second storage unit in association with the plurality of types of identification information determined to match the plurality of types of setting information is stored in the first storage unit. A payout processing means for performing payout processing for paying out to the payee from the payer's account identified by the identification information;
A payment processing apparatus comprising:   One of the plurality of types of identification information is EDI information determined by the payer, and the EDI information is notified from the payer to the payment processing apparatus and stored in the second storage means. The recipient who is notified to the corresponding recipient and notified of the EDI information from the payer inputs the EDI information through the terminal at the time of instructing the execution of the transfer process, and thereby the EDI information is sent to the plurality of recipients. 2. The settlement processing apparatus according to claim 1, wherein the settlement processing apparatus is directly set as one of the kinds of setting information.   One of the plurality of types of identification information is a recipient name of the recipient, and the recipient name is notified from the payer to the settlement processing device and stored in the second storage means. The recipient name is indirectly set as one of the plural types of setting information by performing an operation necessary for own authentication through the terminal at the time of the transfer process execution instruction, or the transfer process execution instruction 2. The settlement processing apparatus according to claim 1, wherein the recipient name is directly set as one of the plurality of types of setting information by sometimes inputting the recipient name as a transfer recipient name via the terminal. The operation necessary for the authentication of the payee himself / herself is to insert the cash card of the account opened by the payee himself / herself in the financial institution into the ATM as the terminal and to enter the password set in the account. An operation to input via the ATM,
The collation means is configured to determine the name of the account that can be specified based on the information recorded on the cash card inserted into the ATM and the personal identification number input via the ATM. 4. The settlement processing apparatus according to claim 3, wherein one of the plurality of types of identification information is collated as one.   One of the plurality of types of identification information is a password determined by the payer, and the password is notified from the payer to the payment processing apparatus and stored in the second storage means and corresponds to the password. The payee is notified of the password, and the payee is notified of the password by inputting the password via the terminal when the transfer process is instructed to execute the password. 2. The settlement processing apparatus according to claim 1, wherein the settlement processing apparatus is directly set as one.   The payout processing means sets the payout amount stored in the second storage means as the payout process from the payer's account identified by the account identification information by the payee to the financial institution. The payment processing apparatus according to claim 1, wherein a payment process for depositing into an existing account is performed. At the time of instructing the execution of the transfer process, the payee himself / herself inserts the cash card of the account opened in the financial institution into the ATM as the terminal, and the personal identification number set in the account via the ATM. Input operation is performed,
The payout processing means recognizes an account of a payee who performs the deposit process based on information recorded on a cash card inserted into the ATM and a password input via the ATM. The settlement processing apparatus according to claim 6. Account identification information for identifying an account that is connected to a terminal operated by the payee via a communication line, and that is established by the payer at the financial institution and into which the funds used for payment to the payee are deposited. And a plurality of types of identification information for identifying individual payees, which are notified from the payer, and for identifying each payee, are associated with each payee. A payment processing program for causing a computer provided with a second storage means to function as a payment processing device,
The computer,
When the terminal is operated by the payee and the payee is instructed to execute the transfer process with a transfer amount of 0 or not set, the payee is directly or indirectly set when the transfer process is instructed. Collating means for collating each of the plurality of types of setting information set to the plurality of types of identification information stored for each individual recipient in the second storage means,
And when it is determined by the collation by the collation means that the plurality of types of setting information respectively match one of the plurality of types of identification information of the specific recipient stored in the second storage means The payment amount stored in the second storage means in association with the plurality of types of identification information determined to match the plurality of types of setting information is stored in the first storage means. A payment processing program that functions as payout processing means for performing payout processing for paying out to the payee from the payer's account identified by the account identification information.

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