JP4838288B2 - Trust type electronic payment support system, method, and program - Google Patents

Description

  The present invention relates to a trust type electronic settlement support system, method, and program.

  In addition to conventional payment methods such as checks, bank transfers, and cash exchanges, in recent years, new mechanisms that allow purchases of goods without using cash directly have rapidly become popular with the spread of mobile terminals and IC cards. Evolving. For example, electronic money can be used for shopping without paying cash directly, and is used as a settlement means for electronic commerce using the Internet. An electronic coupon can acquire goods or receive a service by printing the coupon acquired via the internet etc. and showing it to a store. These new payment methods are recognized as improving the portability and convenience of the methods, but require special software and specific reading devices, are incompatible with other electronic money, and are available for retail use. The limited number of stores and malls on the Internet does not increase the value of money (or substitute it) for money.

  Further, Patent Document 1 discloses a system for performing settlement with electronic money.

JP 2008-27166 A

  There is no technology that supports free distribution / settlement including transfer of value to a third party without relying on dedicated software and specific devices for the electronic monetary value in such new technology related to settlement. Also, there is no technology that can be used by re-converting the money value once digitized as money again. In addition, there is a problem that electronic money adopting such a prepayment (post-payment) method is not secured for settlement due to bankruptcy of an issuer. In addition, in conventional payment means such as checks, bank transfers, and cash exchanges, there is no mechanism for electronically distributing the value of the check itself (for example, on the Internet), and therefore, the distribution is low compared to electronic money. In addition, transfer and cash exchange are less convenient for users, such as that they are not structured to be used for direct settlement at general retail stores and Internet malls, and that it is necessary to apply at the handling counter. Many are seen. The present invention has been made in view of such a problem, and the problem is that the trust function is used, and the “right to receive money (beneficial right)” is high, which is highly secure and easy to distribute. It is to provide a trust type electronic payment support system, method, and program for supporting a mechanism for exchange / settlement with others.

  In order to solve the above problems, a trust-type electronic settlement support system according to the present invention includes a server system including one or a plurality of server devices connected to a bank / trust account system, and the server system. A trust-type electronic settlement support system having one or a plurality of terminal devices, wherein the server system is information on an application for issuing a voucher for transferring trust beneficiary rights, and issuance applicant information and issuance Exchange certificate issuance application registration means for receiving exchange certificate issuance application information including amount information and recipient information of the exchange certificate from the terminal device, and means for storing trust beneficiary right information corresponding to the exchange certificate Means for storing beneficiary right balance information that can issue the exchange certificate, means for storing trust contract information related to the stored trust beneficiary right information, and beneficiary right balance information that can issue the exchange certificate A voucher that is a file that contains at least a part of identification information for storing the voucher issued in order to issue the voucher for beneficiary rights within a high level and uniquely identifying the voucher issued Exchange certificate issuing means for creating a file, exchange certificate sending means for sending the created exchange certificate file to a destination indicated by the information included in the issuance applicant information, and the exchange certificate file using the identification information Dedicated site generation means for generating a WEB site for each exchange certificate file for checking whether or not the data is authentic data, and a destination indicated by the information included in the recipient information indicating the address of the generated WEB site Dedicated site address notification means for sending e-mail to the exchange certificate verification for performing the verification of the exchange certificate file uploaded to the WEB site After the exchange certificate file that is authentic as a result of the collation is collected, information indicating that the collection has been collected is stored, and the exchange collection for closing the WEB site used for the collation Means.

  Further, in the trust type electronic settlement support system according to the present invention, the exchange certificate issuance application information received and stored by the exchange certificate issuance application registration means includes information on an approver who approves a transaction using the exchange certificate. The server system includes an approval site generation means for generating an approval WEB site for receiving information indicating whether or not to approve a transaction corresponding to the exchange certificate file, and the generation And an approval site address notifying means for sending an e-mail to the address indicated by the information included in the approver information. The exchange certificate sending means has the generated approval WEB address. When the information indicating that the transaction is approved is received via the site, the exchange certificate file is sent.

  The trust-type electronic settlement support system according to the present invention is the server system, wherein the server system issues information on the exchange certificate issued, new issue applicant information on the exchange certificate, and new recipient information on the exchange certificate. Exchange certificate reissue application registration means for receiving and storing exchange certificate reissue application information including the exchange certificate, and reissuing the exchange certificate for the exchange certificate relating to the stored exchange certificate reissue application information Exchange certificate reissuing means for storing information related to the certificate to be reissued in order to create a certificate file that is a file including at least a part of identification information for uniquely identifying the certificate to be reissued; The exchange certificate sending means sends the exchange certificate file created for reissuing the exchange certificate to a destination indicated by the information included in the new issue applicant information. Characterized in that it.

  The trust-type electronic settlement support system according to the present invention receives and stores delivery application information including information on the exchange certificate and information on a payment destination of the delivered funds in the server system from the terminal device. For the exchange certificate issuance application registration means and the exchange certificate relating to the stored delivery application information, deposit the trusted funds corresponding to the exchange certificate to the deposit destination indicated by the information of the fund receiving destination of the grant application information And a delivery means for transmitting the request to the bank / trust account system.

  The trust-type electronic settlement support system according to the present invention is the server system, wherein the server system is connected to a nationwide bank data communication system, and the information on the exchange certificate and the recipient of the fund to be delivered Exchange certificate delivery application registration means for receiving and storing delivery application information including information from the terminal device, and for the exchange certificate relating to the stored delivery application information, the trust fund corresponding to the exchange certificate is delivered And a delivery means for transmitting a request for depositing to the depositee indicated by the depositee information of the application information to the bank / trust account system and the national bank data communication system.

  In addition, the method according to the present invention includes a trust system having a server system including one or more server devices connected to a bank / trust account system and one or more terminal devices connected to the server system. A method implemented in the electronic payment support system, the method implemented in the server system is information on the issuance of an exchange certificate for transferring trust beneficiary rights, and issuance applicant information and issuance amount Exchange certificate issue application registration step for receiving exchange certificate issue application information including information and recipient information of the exchange certificate from the terminal device, and storing trust beneficiary right information corresponding to the exchange certificate; Storing the trust contract information related to the stored trust beneficiary right information, including the beneficiary right balance information to which the exchange certificate can be issued; A file containing at least a part of identification information for uniquely storing the issued exchange certificate for storing the exchange certificate for issuing the exchange certificate for the beneficial interest within the balance of the right balance information. The exchange certificate issuance step for creating the exchange certificate file, the exchange certificate sending step for sending the created exchange certificate file to the destination indicated by the information included in the issue applicant information, and the identification information. A dedicated site generation step for creating a WEB site for checking whether or not the exchange certificate file is authentic data for each exchange certificate file, and an address of the created WEB site are included in the recipient information A dedicated site address notifying step for sending an e-mail to a destination indicated by the information; and the exchange certificate file uploaded to the WEB site. The exchange certificate collating step for performing the collation of the data, and after the exchange certificate file that was authentic as a result of the collation was collected, information indicating that the collection was collected was stored and used for the collation A voucher collection step for closing the WEB site.

  In the method according to the present invention, the exchange certificate issuance application information received and stored in the exchange certificate issuance application registration step includes information of an approver who approves a transaction using the exchange certificate. The method implemented in the server system includes an approval site generation step of generating an approval WEB site for receiving information indicating whether or not to approve a transaction, corresponding to the exchange certificate file; An approval site address notifying step for sending an e-mail to the address indicated by the information included in the approver information, and the exchange certificate sending step includes the generated approval approving WEB site address. When the information indicating that the transaction is approved is received via the WEB site, the exchange certificate file is sent.

  Further, the method according to the present invention is a method implemented in the server system, wherein the information about the exchange certificate issued, new issue applicant information about the exchange certificate, and new recipient information of the exchange certificate The exchange certificate reissue application registration step for receiving and storing exchange certificate reissue application information including the exchange certificate, and reissuing the exchange certificate for the exchange certificate relating to the stored exchange certificate reissue application information The exchange certificate reissuing step for storing the information on the exchange certificate to be reissued and creating an exchange certificate file that is a file including at least a part of identification information for uniquely identifying the exchange certificate to be reissued; In the exchange certificate sending step, the exchange certificate file created for reissuing the exchange certificate is addressed by the information included in the new issue applicant information. Characterized in that it send mail to.

  In addition, the method according to the present invention is a method implemented in the server system, and receives and stores delivery application information including information on the exchange certificate and information on a payment destination of the delivered funds from the terminal device. For the exchange certificate issuance application registration step and the exchange certificate relating to the stored delivery application information, the trusted funds corresponding to the exchange certificate are deposited to the depositee indicated by the information of the fund receiving destination of the grant application information. And a delivery step of transmitting the request to the bank / trust account system.

  In the method according to the present invention, the server system is connected to a national bank data communication system. In the method implemented in the server system, the information on the exchange certificate and the recipient of the fund to be delivered Exchange certificate delivery application registration step for receiving and storing delivery application information including information from the terminal device, and for the delivery certificate related to the stored delivery application information, the trust fund corresponding to the exchange certificate is delivered A delivery step of transmitting a request for depositing to a deposit destination indicated by information on a deposit destination of the fund of application information to the bank / trust account system and the national bank data communication system.

  In addition, the program according to the present invention provides an exchange certificate for transferring trust beneficiary rights to a bank / trust account system and a server system including one or more server devices connected to one or more terminal devices. Exchange certificate issuance application registration means for receiving and storing exchange issuance application information including issuance applicant information, issuance amount information, and recipient information of the exchange certificate from the terminal device, Means for storing trust beneficiary right information corresponding to the voucher; means for storing the beneficiary right balance information to which the voucher can be issued; means for storing trust contract information related to the stored beneficiary right information; To store information on the voucher issued in order to issue the voucher for the beneficiary rights within the balance of the beneficiary right balance information that can be issued, identification information for uniquely identifying the voucher issued An exchange certificate issuing means for creating an exchange certificate file that is a file including at least a portion thereof; an exchange certificate sending means for sending the created exchange certificate file by e-mail to a destination indicated by the information included in the issue applicant information; Dedicated site generation means for creating, for each exchange certificate file, a WEB site for verifying whether the exchange certificate file is authentic data using the identification information, and receiving the address of the created WEB site Dedicated site address notifying means for sending an e-mail to a destination indicated by the information included in the personal information, exchange certificate collating means for performing the collation of the exchange certificate file uploaded to the WEB site, and the exchange that is authentic as a result of the collation After the certificate file is collected, information indicating that the collection has been performed is stored, and the WEB site used for the verification is stored. Characterized in that to function as exchange card recovery means for closing the.

  As described above, according to the present invention, there is provided a mechanism for freely exchanging / settlement with a third party “right to receive money (beneficial rights)” that uses the trust function, has high transaction safety and is highly circulated. It is possible to provide a trust-type electronic settlement support system, method, and program to support.

  Hereinafter, a preferred embodiment of the present invention will be described with reference to the drawings. However, the scope of the invention is not limited to this embodiment.

(Embodiment 1)
[System Overview]
First, the outline | summary of the trust type | mold electronic payment assistance system in Embodiment 1 is demonstrated.
FIG. 1 is a diagram showing a flow of payment at the time of product purchase using a trust type electronic payment support system. The trust-type electronic settlement support system 1 is a computer system that supports settlement of transactions such as product purchases in exchange for trust beneficiary rights generated by trusting funds. The trust type electronic settlement support system 1 is operated by a financial institution X which is a trustee of the trust. Hereinafter, an example in the case where settlement of merchandise transactions is performed using the trust type electronic settlement support system 1 will be described.

  In step S00, the payer A, who is the trust entrustor, establishes a trust agreement with the financial institution X, which is the trust entrustor, via the network with respect to the trust-type electronic settlement support system 1. Information (consignor information, contract details, etc.) relating to the conclusion of the trust contract is input and transmitted from the terminal device of the payer A, and the information is registered in the trust type electronic settlement support system 1. Information related to the trust contract may be registered in the trust electronic settlement support system 1 in the financial institution X.

  In step S0, based on the trust agreement, the payer A is directed to the financial institution X, and the payer A is connected to the financial institution X from the terminal device of the payer A via the network with respect to the trust electronic settlement support system 1. Instructions for setting up a trust and a transfer instruction for withdrawing funds to be trusted from a deposit account designated by payer A (hereinafter referred to as trust money) and depositing the trust money into the trust account of financial institution X are performed. Based on the instruction, the trust type electronic settlement support system 1 sets the trust by the financial institution X by depositing the trust money into the trust account of the financial institution X (a trust beneficiary right is generated). This instruction is subsequently made to the financial institution X by the payer A as necessary based on the trust agreement.

  In step S1, the payer A who is the purchaser of the product corresponds to the consideration of the product when the product transaction is settled with the receiver B who is the seller of the product using the trust beneficiary right. In order to transfer the right to receive trust beneficiary rights, an application for an exchange certificate is applied to the trust-type electronic settlement support system 1. In the application, the payer A inputs necessary information (for example, the issue amount, information on the recipient of the exchange certificate, etc.) from the terminal device of the payer A to the trust electronic settlement support system 1 via the network. Do that.

  Here, the voucher is an electronic voucher for certifying the right to receive a trust beneficiary right commensurate with the price of the transaction. This exchange certificate can be issued by the trustee who is the trustee and purchaser of the product to the trust-type electronic settlement support system 1 within the range of the balance of the trust assets, and the issued exchange certificate Is sent from the payer to the payee. The recipient of this voucher can receive the relevant trust beneficiary right by presenting the voucher to the trust-type electronic settlement support system 1.

  Next, in step S2, the trust-type electronic settlement support system 1 confirms that the trust account in the trust contract with the payer A has a trust property balance corresponding to the application for the issuance of the exchange certificate, and then issues the exchange certificate to be issued. Is stored in the storage unit. The trust-type electronic settlement support system 1 transmits an e-mail attached with the issued exchange certificate data to the terminal device used by the payer A. The payer A can confirm the information of the issued exchange certificate by browsing the mail received by the terminal device. The exchange certificate data attached to the received e-mail includes verification data for the exchange certificate.

  Here, as a modified example, the process does not proceed to step S2 unless the approver C inputs data to approve the issuance of the exchange certificate to the trust type electronic payment support system 1 from the terminal device. (Step S2 ′).

  Next, in step S3, the trust-type electronic settlement support system 1 generates URL data of a site that the recipient B will use later for checking the exchange certificate data, and the terminal device used by the recipient B. Send mail to. This URL contains exchange verification data. Here, as a modified example, if the approver C does not input data for approving the transaction from the terminal device to the trust type electronic payment support system 1, the URL data is sent to the terminal device of the recipient B. It is good also as not transmitting (step S3 ').

  Next, in step S4, the payer A sends the exchange data attached to the received mail from the terminal device used by the payer A to the terminal device used by the payee B by mail.

  Next, in step S5, the recipient B accesses the site indicated by the URL received by the mail via the terminal device used by the recipient B, and similarly uploads the exchange data received by the mail to the site. To do. The trust-type electronic settlement support system 1 uses the verification data included in the URL and the verification data included in the uploaded certificate data to verify that the uploaded certificate data is authentic data. Check to see if it exists. An example of details of the verification method will be described later.

  Next, in step S6, the payee B delivers the merchandise to the payer A when the exchange certificate data can be verified in step S5.

  Next, in step S7-1, the recipient B uses the exchange certificate data stored in the terminal device used by himself / herself to exchange the product with the recipient D through the terminal device. Information necessary for reissuance of the exchange certificate to further transfer the trust beneficiary rights related to the exchange certificate to the trust type electronic settlement support system 1 (for example, the recipient (reissue requester) B and the recipient D Information etc.) and uploading the exchange certificate data, and requesting the reissue of the exchange certificate. In step S <b> 7-2, the trust type electronic settlement support system 1 transmits a mail attached with the data of the issued exchange certificate (reissue) to the terminal device used by the recipient (reissue requester) B. The recipient (reissue requester) B can check the information of the issued exchange certificate (reissue) by browsing the mail received by the terminal device. The exchange certificate (reissue) data attached to the received mail includes verification data for the exchange certificate (reissue).

  Next, in step S8, the trust-type electronic settlement support system 1 generates URL data of a site that the recipient D uses later to check the exchange certificate (reissue) data. Send mail to the terminal device to be used. This URL includes exchange data (reissue) verification data.

  Next, in step S9, the recipient (reissue requester) B sends the exchange certificate (reissue) data stored in the terminal device used by himself / herself to the terminal device used by the recipient D by mail. To do.

  Next, in step S10, the recipient D accesses the site indicated by the URL received by the mail via the terminal device used by himself / herself, and similarly receives the exchange certificate (reissue) data received by the mail. Upload to the site via the terminal device used by itself. The trust-type electronic settlement support system 1 is based on the verification data included in the URL and the verification data included in the uploaded verification certificate (reissue) data. Issuance) Verify whether the data is authentic. An example of details of the verification method will be described later.

  Next, in step S11, the recipient D delivers the product to the recipient B when the exchange certificate (reissue) data can be verified in step S10. At this point, the terminal device used by the recipient D stores exchange certificate (reissue) data.

  Next, in step S12, the recipient D uses the exchange certificate (reissue) data stored in the terminal device used by himself / herself to issue the trust-type electronic payment support system via the terminal device. 1. Input necessary information (for example, bank account information of the recipient D for depositing the issued funds) and upload the exchange certificate (reissue) data to make a request for delivery. Thereafter, the trust-type electronic settlement support system 1 deposits the funds into the bank account of the fund recipient D as requested.

  As described above, according to the trust-type electronic settlement support system 1, the exchange certificate data or the exchange certificate (reissue) data can be transmitted by e-mail or the like (steps S4 and S9), so that the circulation is high. Further, since the recipient who has received the exchange certificate data or exchange certificate (reissue) data can check whether the exchange certificate data or exchange certificate (reissue) data is authentic data (steps S5 and S10). High transaction safety. Furthermore, for example, even if the issuer of the exchange certificate is a company, etc., and the company goes bankrupt, etc., the funds paid based on the exchange certificate are based on trust beneficiary rights. And delivery by exchange certificate is guaranteed. Therefore, the settlement using the exchange certificate is highly secure.

[System configuration]
Next, an example of the configuration of the trust type electronic settlement support system in the first embodiment will be described.
As shown in FIG. 2, the trust type electronic payment support system 1 is a client server system. The server 100, which is a server-side system, performs various communications with terminal devices (customer terminals 201, 202, 203, 204, and 205) via the network N1 and a firewall (FW). Furthermore, the server 100 performs various communications with the Zengin System (national bank data communication system) 300 via the network N2 or the like.

  The server 100 includes an Internet banking infrastructure system 101, a bank account system 102, a trust acceptance server 103, a trust relay server 104, a trust account system 105, a trust management server 106, a voucher external WEB management server 107, and a voucher authentication server 108. The exchange certificate mail server 109, the encryption server 110, the exchange certificate issuance management server 111, and the exchange certificate virtual WEB server 112 are provided. Each component is connected via a network device such as a switch (SW) and performs various communications. On the client side, customer terminals 201, 202, 203, 204, and 205 are provided as terminal devices.

  The Internet banking infrastructure system 101 is a system that provides services of a financial institution such as a bank to a terminal device such as the customer terminal 201 via the network N1. As services in this embodiment, in addition to bank account balance inquiry, deposit / withdrawal inquiry, transfer, and account transfer, which are generally provided, acceptance of trust contract application, trust setting request and trust money to trust account There are receipt of deposit requests, acceptance of trust beneficiary rights issuance requests, exchange certificate issuance requests (new issuance, reissue, etc.), exchange certificate issuance status inquiries, etc. The trust setting request and the deposit request for the trust money in the trust account may be received separately. The Internet banking infrastructure system 101 includes one or a plurality of server devices having a WEB server function, an application server function, an authentication server function, and the like. The detailed configuration method of the Internet banking infrastructure system 101 may be any method, and in this embodiment, the Internet banking infrastructure system 101 is configured by the same method as any of the existing Internet banking infrastructure systems in each financial institution. However, it differs from the existing system in that it accepts applications for trust contracts, accepts requests for setting up trusts and deposits of trust money into trust accounts, accepts requests for issuance of trust beneficiary rights, accepts requests for issuance of exchange certificates, and exchanges In order to provide services such as acceptance of certificate issuance status inquiries, the internet banking infrastructure system 101 communicates with and cooperates with the trust acceptance server 103 and the like.

  The bank account system 102 is an account system in a bank. The bank account system 102 performs storage management of bank account account information (information such as deposit, withdrawal, transfer, balance, etc.) and various account processes such as account transfer. Further, the bank account system 102 sends and receives various processing execution instructions and data to and from other systems. The detailed configuration method of the bank account system 102 may be any method, and in this embodiment, the bank account system 102 is configured by a method similar to any of the existing bank account systems of each bank.

  The trust reception server 103 receives a trust contract application, a trust setting request, a trust deposit request to the trust account, a trust beneficiary right issuance request, a voucher issuance request, and a voucher issuance status inquiry from the internet banking infrastructure system 101. The trust relay server 104 is requested for processing corresponding to the request. The trust acceptance server 103 includes one or a plurality of server devices.

  In response to the trust contract application received from the trust reception server 103, the trust relay server 104 requests the trust management server 106 to register information regarding the received trust contract. The trust management server 106 stores and manages data related to the trust contract in response to a request from the trust relay server 104.

  In response to the trust setting request received from the trust acceptance server 103 and the deposit request to the trust account of the trust money, the trust relay server 104 sends the trust money amount to the bank account system 102 to open a predetermined withdrawal account. When a request is made to confirm that the balance is within the available money balance range, and it is determined that transfer is possible based on the confirmation result received from the bank account system 102, transfer processing to the bank account system 102 Request execution of (withdrawal from specified withdrawal account and deposit into trust account). After confirming the transfer processing result of the bank account system 102, the trust relay server 104 executes the transfer process from the trust account to the corresponding trust account based on the trust agreement to the trust account system 105. To request. The trust account system 105 performs various account processes such as storage management of trust account information (information such as trust setting and trust property balance) and account transfer. The trust account system 105 has a function of storing and managing data related to new setting of a trust account, transfer of trust money to an existing trust account, and the like in response to a request received from the trust relay server 104. The detailed configuration method of the trust account system 105 may be any method, and in this embodiment, the trust account system 105 is configured by the same method as any of the existing trust account systems in the financial institution.

  In response to the result of the transfer process to the trust account of the trust account system 105, the trust relay server 104 requests the trust management server 106 for a trust setting process (trust beneficiary right generation process). In response to a request from the trust relay server 104, the trust management server 106 stores and manages data and the like regarding trust setting (generation of trust beneficiary rights).

The trust relay server 104 requests the trust account system 105 for a delivery process in response to the trust beneficiary rights grant request received from the trust acceptance server 103. In response to the request received from the trust relay server 104, the trust account system 105 performs trust beneficiary rights grant processing (checks the trust asset balance in the corresponding trust account and reduces the grant amount from the balance). . The trust relay server 104 receives the delivery processing result by the trust account system 105 and requests the bank account system 102 for a deposit process. In response to the request received from the trust relay server 104, the bank account system 102 performs a deposit process (deposits the amount to be delivered to a predetermined deposit account). The trust relay server 104 receives the grant processing result of the trust account system 105 and requests the trust management server 106 to store and manage data related to the grant processing. In response to a request from the trust relay server 104, the trust management server 106 stores and manages data related to the delivery process.
Further, the trust relay server 104 transmits a request for registering data related to the request for the exchange certificate issuance application received from the trust acceptance server 103 to the trust management server 106. The trust relay server 104 includes one or a plurality of server devices.

  In response to a request from the trust relay server 104, the trust management server 106 stores and manages data related to the exchange certificate issuance application. Further, the trust management server 106 transmits a request for issuing a voucher to the voucher issuance management server 111 described later. The trust management server 106 includes one or a plurality of server devices.

  The voucher external WEB management server 107 requests the voucher authentication server 108 to create a site entry address (URL) for later verification of a voucher file created by the voucher issuance management server 111 described later. To do. The exchange certificate external WEB management server 107 requests the exchange certificate virtual WEB server 112 to create a virtual WEB site corresponding to the created entry address (URL). Also, when the exchange certificate file is uploaded to the entry address (URL), the exchange certificate external WEB management server 107 sends the entry certificate (URL) and the uploaded exchange certificate file to the exchange certificate issuance management server 111. Send and request verification. The exchange voucher external WEB management server 107 includes one or a plurality of server devices.

  The exchange certificate authentication server 108 creates an entry address in response to a request from the exchange certificate external WEB management server 107. The exchange certificate authentication server 108 includes one or a plurality of server devices.

  After completing the transfer payment process to the trust account requested from the trust relay server 104 to the trust account system 105 from the trust relay server 104, the exchange certificate mail server 109 sends a notification of the completion to the terminal device such as the customer terminal 202 by e-mail. Send. Further, the exchange certificate mail server 109 transmits the exchange certificate file created by the exchange certificate issuance management server 111 and the entry address (URL) created by the exchange certificate authentication server 108 to a terminal device such as the customer terminal 203 by mail. To do. The exchange certificate mail server 109 is configured as a mail server including one or a plurality of devices.

  The encryption server 110 encrypts identification information that uniquely identifies the voucher created by the voucher issuance management server 111. The encryption server 110 decrypts the identification information included in the exchange certificate file based on an authentication request as to whether or not the uploaded exchange certificate file is authentic data. The encryption server 110 includes one or a plurality of devices.

  The exchange certificate issuance management server 111 creates a new exchange certificate file, creates a exchange certificate (reissue) file associated with the transfer of the exchange certificate, in response to a request from a terminal device such as the customer terminal 201 or 203. The exchange certificate issuance management server 111 creates an exchange certificate electronic file in response to the exchange certificate file creation request of the trust management server 106 based on the request for the exchange certificate issuance request from the trust relay server 104. The exchange certificate file includes identification information for uniquely identifying the exchange certificate. The exchange certificate issuance management server 111 requests the exchange certificate external WEB management server 107 to create an entry address (URL) of a site for collating the created exchange certificate file later. The exchange certificate issuance management server 111 transmits the created exchange certificate file and entry address to the exchange certificate mail server 109. The exchange certificate management server 111 performs a collation process on the uploaded exchange certificate file and transmits the collation result to the exchange certificate external web server 107. An example of the authentication method will be described later. The exchange certificate issuance management server 111 includes one or a plurality of devices.

  The exchange certificate virtual WEB server 112 creates a virtual WEB site corresponding to the entry address created by the exchange certificate authentication server 108 in response to a request from the exchange certificate external WEB management server 107. This virtual site is closed after the corresponding voucher is collected. The exchange certificate virtual WEB server 112 is configured to include one or a plurality of devices.

  As described above, in this embodiment, the server 100 includes the bank account system 102 and the trust account system 105. However, the present invention is not limited to this method, and the bank account system 102 and the trust account system 105 are used. May exist outside the server 100. Moreover, although each server which is a component of the server 100 is configured by an independent device, it is not limited to this method, and a plurality of servers may be mounted on one device. Further, as long as the functions provided by the server 100 to external devices and systems are the same, any method for designing the server 100 may be used.

  Terminal devices such as customer terminals 201, 202, 203, 204, and 205 are terminal devices such as PCs (personal computers) and mobile phones. A user of the trust type electronic settlement support system 1 such as a payer, a payee, and an approver can use the system by operating an input unit provided in the terminal device.

  FIG. 3 shows an example of the configuration of each server device provided in the trust type electronic settlement support system 1. Each server device includes a ROM 31, a RAM 32, a storage unit 33, a communication unit 34, an input unit 35, a display unit 36, a CPU 37, and the like. These configurations only show the main configuration of the server device, and the server device may include other configurations. In some embodiments, the server device need not include all of these configurations.

  The ROM 31 is a memory that stores various control programs and data for the CPU 37 to execute various arithmetic processes. The RAM 32 is a work memory for the CPU 37 to execute various arithmetic processes. The storage unit 33 is a large-capacity storage device that stores various types of data such as processing result data and control programs by the CPU 37, and is configured by an HDD or the like. The communication unit 34 is a communication unit for communicating with an external device via a network, and includes a network card or the like. The input unit 35 is a means for inputting various data, and includes an input device such as a mouse, a keyboard, a scanner, and a USB input unit. The display unit 36 is a means for displaying various calculation processing results and the like by the CPU 37, and is configured by a display device such as a liquid crystal display. The CPU 37 is a processor that executes various control programs and data stored in the ROM 31, the storage unit 33, and the like on the RAM 32 and executes the centralized control of the operation of each unit of the server device.

  The main configurations of the terminal devices such as customer terminals 201, 202, 203, 204, and 205 are substantially the same as the configuration shown in FIG.

[System Operation]
Next, the operation of the trust type electronic settlement support system 1 in the first embodiment will be described.

(Trust agreement)
In order to conclude a trust agreement between payer A who is the trust entrustor and financial institution X which is the trust entrustor, payer A establishes a network with respect to the Internet banking infrastructure system 101 of the trust type electronic settlement support system 1. The application information (trustor information, contract details, etc.) related to the trust contract is input and transmitted from the terminal device of payer A. The transmitted information is transmitted from the Internet banking infrastructure system 101 to the trust management server 106 via the trust acceptance server 103 and the trust relay server 104. The trust management server 106 registers application information related to the trust contract and creates a trust contract master. That is, trust contract information is stored in storage means such as the storage unit 33 of the trust management server 106. The trust contract number is assigned when the trust contract master is created. In this embodiment, the contract information is transmitted by the payer A. However, the financial institution X inputs the contract content from the management terminal (not shown) to the trust management server 106 based on the trust contract. May be.

  FIG. 7 shows an example of the data structure and record of the trust contract master, which is trust contract information stored and registered in the trust management server 106. In the trust contract master 700, a new trust setting, which is information representing the trust contract number, trust contract date, trust property balance, beneficiary right issuance of exchange certificate, trust start date, trust end date, and transaction history as data items. Includes application number, trust setting date, trust setting amount, etc. For example, a value such as a record 701 is registered in the trust contract master 700.

(Trust setting)
FIG. 4A illustrates an example of a processing flow performed by the server 100 from when the server 100 receives a trust setting / trust money deposit application request from a terminal device such as the customer terminal 201 to the trust setting (generation of trust beneficiary rights). Indicates.

  In step S0-1, the internet banking infrastructure system 101 receives a request from the payer A to set a trust for a predetermined amount (for example, 100,000 yen) from the payer A via the customer terminal 201. A request for depositing the predetermined amount from the withdrawal account to the trust account is made to the trust acceptance server 103.

  Next, in step S0-2, the trust acceptance server 103 further transmits a request from the Internet banking infrastructure system 101 to the trust relay server 104. In response to the received request, the trust relay server 104 requests the bank account system 102 to transfer a predetermined amount from a predetermined withdrawal account to the trust account. The bank account system 102 executes a transfer process in response to a request from the trust relay server 104.

  Further, in step S0-3, the trust relay server 104 requests the trust account system 105 to transfer the funds deposited in the trust account in step S0-2 to the corresponding trust account. The trust account system 105 executes a process for account transfer in response to a request from the trust relay server 104. When the request is the first time after the trust contract, the trust account system 105 sets a new trust account and performs transfer transfer processing from the trust account to the trust account.

  Next, in step S0-4, the trust relay server 104 makes a registration request to the application master 500 to the trust management server 106 in response to the trust setting / payment request received in step S0-1. The data of the application master 500 is stored and registered in the trust management server 106. Data to be registered is determined according to the information input via the input unit 35 of the customer terminal 201.

  FIG. 5 shows an example of the data structure and records of the application master 500 stored and registered in the trust management server 106. The application master 500 includes, as data items, an application number, an application classification (“1: trust setting”, “2: issuance of exchange certificate (reissue)”, or “3: delivery”), a scheduled deposit date for trust (trust) (Estimated date), trust deposit date, trust deposit amount (trust set amount), delivery date, grant amount, exchange certificate issuance (or reissue) requester, exchange issuance (or reissue) requester email, Exchange voucher (or reissue voucher) recipient, exchange voucher (or reissue voucher) recipient email, planned voucher issuance (or reissue) date, voucher issued (or reissue) amount, voucher ( Or reissue voucher) Expiration date, exchange voucher number to be reissued (in the case of voucher reissue), voucher issued (or reissue) approver, voucher issued (or reissue) approver email , Requester of exchange certificate (or reissue exchange certificate), exchange certificate (also Reissuance exchange certificate issuer's e-mail, trust contract number, trust beneficiary right number, trust deposit account (automatic numbering: trust account) for trust setting, trust consignor's deposit account (at the time of trust setting) This includes the deposit account of the trustee, the deposit account at the time of grant), the deposit account of the requester of the exchange certificate (or reissue certificate) (the deposit account at the time of grant), etc. For example, a value like a record 501 is registered in the application master 500.

  Next, in step S0-5, since the trust beneficiary right is generated in accordance with the trust setting by depositing the trust money, the trust relay server 104 displays the application master 500 and the trust contract to indicate that the trust beneficiary right has been generated. The trust management server 106 is requested to update the record in the master 700. An example of the updated data in the application master 500 is shown in a record 502 in FIG. Data is set in each item such as “deposit date” and “deposit amount”. An example of updated data in the trust contract master 700 is shown in a record 701 in FIG. The data for each item of “Trust Asset Balance”, “Balance Certificate Available”, “Application Number”, “Trust Set Date” and “Trust Set Amount” are updated and set.

  Next, in step S0-6, upon receipt of the trust setting registration at the trust management server 106, the exchange mail server 109 notifies the customer terminal 201 that the trust setting registration is completed by mail. .

(Application for voucher issuance)
FIG. 4B shows the server 100 from when the server 100 receives the exchange certificate issuance application request from the terminal device such as the customer terminal 201 to when it receives the request from another terminal device and performs the verification process of the exchange certificate. 2 shows an example of a processing flow performed by.

  This processing is performed by cooperation of processing by each device in the server 100 (including each device in the system in the server 100; the same applies hereinafter). The trust relay server 104 and the trust management server 106 perform processing flow control. Control of processing performed by each device in the server 100 is performed by the CPU 37 of each device developing and executing a control program stored in the ROM 31, the storage unit 33, or the like on the RAM 32. Communication between the terminal device such as the customer terminal 201 and the server 100 is performed via the network N1. Communication between the Zengin System 300 and the server 100 is performed via the network N2. Communication between the devices in the server 100 is performed by a network such as a LAN via a switch or the like.

  In this process, when the product is traded, the payer A who is the payer of the consideration of the product delivers the exchange certificate to the payee B who is the payee of the consideration. It starts when you apply for the issuance of a voucher.

  First, the payer A receives information necessary for the application for the issuance of the exchange certificate via the input unit 35 of the customer terminal 201 (for example, the trust contract number, the trust beneficiary right number, the application classification (“2: Issuance of the exchange certificate (reissue Issuance) ”), exchange certificate issuance scheduled date, exchange certificate issuance amount (for example, 100,000 yen), exchange certificate expiration date, exchange certificate issuance requester, exchange certificate issuance requester email, exchange certificate recipient, receipt of exchange certificate Information on a subscriber e-mail, exchange certificate issuance approver, exchange certificate issuance approver e-mail), etc., and requests a request for issuance of an exchange certificate from the Internet banking infrastructure system 101.

  In step S <b> 406, the Internet banking infrastructure system 101 transmits the request received together with the information input by the payer A to the trust relay server 104 via the trust acceptance server 103. In response to the request, the trust relay server 104 requests the trust management server 106 to perform confirmation processing of the beneficiary right balance that can be issued by the trust contract master 700 based on the received trust contract number and the issuance amount of the replacement certificate. At the same time, information related to the exchange certificate issuance application is stored and registered in the application master 500. For example, a value like a record 503 is registered. The “trust beneficiary right number” reflects the “trust beneficiary right number” numbered by the trust beneficiary right master 800 described later. Further, in response to the request, the trust relay server 104 manages trust beneficiary rights corresponding to the vouchers for which issuance is applied based on the trust contract number and voucher issuance amount received to the trust management server 106. To create a trust beneficiary right master 800 for Information regarding the trust beneficiary right corresponding to the voucher is stored and registered in the trust beneficiary right master 800 of the trust management server 106, and the trust beneficiary right number is assigned. FIG. 8 shows an example of the data structure and record of the trust beneficiary right master 800 which is trust beneficiary right information stored and registered in the trust management server 106. The trust beneficiary right master 800 includes, as data items, a trust contract number, a trust beneficiary right number, a trust beneficiary right setting amount, a trust beneficiary right balance, a trust beneficiary right category, and a trust beneficiary. For example, a value like a record 801 is registered in the trust beneficiary right master 800. In this example, information about the payer A is registered in the “trust beneficiary”. At this time, the payer A may transfer the beneficiary right to a trust bank or the like. In that case, “trusted bank” or the like is registered in the “trust beneficiary” of the record 801 of the trust beneficiary right master 800.

  Further, the trust relay server 104 requests the trust management server 106 to update the trust contract master 700. In response to the request, the trust management server 106 updates the “beneficial interest balance available for exchange certificate” in the trust contract master 700. The “beneficial rights balance that can be issued exchange certificates” is calculated by calculating the total of the trust beneficiary rights in circulation in which trust certificates are issued in the trust beneficiary master 800 but not yet issued. Is subtracted from A record 702 in FIG. 7 shows an example of data updated in the trust contract master 700. In this example, the value of “beneficial interest balance that can be issued exchange voucher” is set to zero.

  As a result, the trust contract master 700 always manages the exchangeable certificate issuance balance, compares the "beneficiary rights available for exchange certificate" with the exchange certificate issuance application amount, and confirms whether the exchange certificate can be issued. To be able to.

  Based on the confirmation processing result, the trust relay server 104 requests the trust management server 106 to issue a voucher. That is, when the exchange certificate issuance application amount is within the beneficiary right balance that can be issued for the exchange certificate, the trust relay server 104 requests the issuance of the exchange certificate. In response to the request, the trust management server 106 requests the exchange certificate issuance management server 111 to issue the exchange certificate, and the exchange certificate issuance management server 111 creates an electronic file (exchange certificate file) of the exchange certificate. . The exchange certificate issuance management server 111 creates data (exchange certificate identification data) that uniquely identifies the exchange certificate, is encrypted by the encryption server 110, and is included in the exchange certificate file. Also, the exchange certificate issuance management server 111 stores and registers information related to the issued exchange certificate in the exchange certificate issuance master 600.

  FIG. 6 shows an example of the data structure and record of the exchange certificate issuance master 600, which is exchange certificate information stored and registered in the exchange certificate issuance management server 111. The exchange certificate issuance master 600 includes, as data items, an exchange certificate number, trust contract number, trust beneficiary right number, exchange certificate issue date, exchange certificate issuer, exchange certificate issuer email, exchange certificate recipient, exchange Certificate recipient email, exchange certificate issuance approver, exchange certificate issuance approver email, exchange certificate expiration date, exchange certificate collection date, exchange certificate issue amount, exchange certificate recipient verification address, exchange certificate issuance approver approval Includes addresses. For example, a value such as a record 601 is registered in the exchange certificate issuance master 600. The exchange certificate identification data included in the exchange certificate file may be, for example, a hash value of the “exchange certificate number” and “recipient” values registered in the exchange certificate issuing master 600.

  Next, in step S407, the exchange certificate issuance management server 111 requests the exchange certificate mail server 109 to transmit the created exchange certificate file to the customer terminal 201 used by the payer A. In response to the request, the exchange certificate mail server 109 transmits the exchange certificate file to the customer terminal 201 using the value of the “exchange certificate issuance requester email” registered in the exchange certificate issuance master 600.

  Next, in step S408, the exchange certificate issuance management server 111 requests the exchange certificate external WEB management server 107 to create a URL of the WEB site corresponding to the exchange certificate file created in step S406 on a one-to-one basis. . The exchange certificate external WEB management server 107 requests the exchange certificate authentication server 108 to create a URL. The exchange certificate authentication server 108 creates a URL in response to the request. The exchange certificate external WEB management server 107 requests the exchange certificate virtual WEB server 112 to create a WEB site corresponding to the created URL. The exchange certificate virtual WEB server 112 creates a WEB site in response to the request. The created WEB site is used in the verification process of the exchange certificate described later. The exchange certificate external WEB management server 107 sends the URL generated by the exchange certificate authentication server 108 to the exchange certificate issuance management server 111 in the exchange certificate issuance master 600 as an “exchange certificate recipient verification address” (the exchange certificate It is requested to set it as a value of data that uniquely identifies the recipient. A record 602 in FIG. 6 is an example of a record in which a value is set in “Exchange recipient verification address”.

  Next, in step S409, the exchange certificate issuance management server 111 gives the exchange certificate issuance management server 111 the URL generated by the exchange certificate authentication server 108 in step S408 to the exchange certificate mail server 109. A request is made to send an e-mail with the value of “exchange receipt recipient E-mail” registered in the master 600 as a destination. According to the processing in step S409, the URL described above can be sent by e-mail to the terminal device (for example, customer terminal 203) used by the recipient B, and the exchange certificate (to be described later) can be transmitted via the terminal device that has received this e-mail. The collation process can be performed.

  Next, the payer A transmits the exchange certificate file received from the exchange certificate mail server 109 in step S407 to the recipient B as a consideration for acquiring the transaction target product by e-mail or the like. Then, the recipient B uploads the received exchange certificate file from the terminal device such as the customer terminal 203 to the WEB site indicated by the URL transmitted in step S409.

  Next, in step S413, the voucher virtual WEB server 112 receives the above-mentioned voucher file uploaded from a terminal device such as the customer terminal 203.

  Next, in step S414, the exchange certificate external WEB management server 107 transmits the exchange certificate file received by the exchange certificate virtual WEB server 112 in step S413 and the accessed URL data to the exchange certificate issuance management server 111. The exchange certificate issue management server 111 is requested to verify whether or not the exchange certificate file is authentic data. The voucher issuance management server 111 searches for the voucher file for which the URL of the site where the voucher file to be verified has been uploaded is created in step S408, and identifies the voucher file. The encryption server 110 decrypts the exchange certificate identification data included in the uploaded exchange certificate file to be verified. The exchange certificate issuance management server 111 matches the exchange certificate identification data included in the exchange certificate file included in the verification target when the identified exchange certificate file is created in step S406. Determine whether or not. The exchange certificate issuance management server 111 transmits the collation result to the exchange certificate external web management server 107. The exchange certificate virtual WEB server 112 displays the collation result received from the exchange certificate issuance management server 111 by the exchange certificate external WEB server 107 to the recipient B. When the collation results match (when it is determined that the voucher file to be collated is genuine data), the voucher virtual WEB server 112 provides the recipient B with a voucher reissue application and exchange voucher issuance. Displays the next process such as application, payment application to recipient's individual trust account, processing termination, etc., requests selection of processing, selected processing is exchange certificate reissue application, exchange certificate issuance application, recipient In the case of a deposit application to the individual trust account, transfer to each processing in the Internet banking infrastructure system 101. If the verification results do not match, the exchange certificate virtual WEB server 112 displays the end of processing to the recipient B.

  In addition, the verification method of the exchange certificate file performed in step S414 is not limited to the above method. For example, the hash value of the “exchange number” and “recipient” values registered in the exchange certificate issuance master 600 is used as exchange certificate identification data, and a part of the exchange certificate identification data is created in step S406. The other part is included in the URL created in step S408, including the exchange certificate file. In step S414, it is determined whether or not the hash values of the above-mentioned “exchange certificate number” and “recipient” match the values obtained by combining the above-mentioned values included in the exchange certificate file and the URL. Thus, the exchange certificate file may be collated. The same applies to the verification process of the exchange certificate file described below.

  Here, when the requester of the voucher issues a transaction using the voucher, there is a person who approves the transaction (for example, the value of the “voucher issuance approver” of the voucher issuance master 600 is (When set). FIG. 4C shows an example of processing. In step S420, the exchange certificate issuance management server 111 requests the exchange certificate external WEB management server 107 to create a URL (for the approver) of the WEB site corresponding to the created exchange certificate file. The exchange certificate external WEB management server 107 requests the exchange certificate authentication server 108 to create a URL (for an approver). The exchange certificate authentication server 108 creates a URL in response to the request. The exchange certificate external WEB management server 107 requests the exchange certificate virtual WEB server 112 to create a WEB site corresponding to the URL. The exchange certificate virtual WEB server 112 creates a WEB site in response to the request. The created WEB site is used to receive information indicating the approval of the transaction by the approver during the transaction approval process. The exchange certificate external WEB management server 107 sends the URL generated by the exchange certificate authentication server 108 to the exchange certificate issuance management server 111 in the exchange certificate issuance master 600 and the value of “address for approval of exchange certificate issuance approver”. Request to register as A record 603 in FIG. 6 is an example of a record in which a value is set in “approver approval address”.

  Next, in step S421, the exchange certificate issuance management server 111 sends the URL created in step S420 to the exchange certificate mail server 109 in accordance with the “exchange certificate issuance approver E registered in the exchange certificate issuance master 600”. Requests that an e-mail is sent with the value of “e-mail” as the destination. According to the processing in step S421, the above-mentioned URL can be sent by e-mail to a terminal device (for example, customer terminal 205) used by the exchange certificate issuance approver, and will be described later via the terminal device that has received this e-mail. It is possible to process approval for issuing exchange vouchers.

  Next, the exchange certificate issuance approver accesses the WEB site indicated by the URL described in the mail from the terminal device such as the customer terminal 205 that has received the mail transmitted in step S421. Then, the exchange certificate issuance approver inputs the intention as to whether or not to approve the transaction using the exchange certificate issued in step S406 to the input unit 35 of the customer terminal 205 as data, and the exchange certificate virtual It transmits to the WEB server 112.

  Next, in step S422, if the intention to approve received via the above-mentioned WEB site is to approve (step S422; Yes), the process proceeds to step S407. If it is not approved (step S422; No), this process is terminated.

  If the information to approve is not received via the above-mentioned WEB site, the exchange certificate is sent to the exchange certificate issuer (payer A) (step S407), and the exclusive site for the exchange certificate recipient (recipient B) is generated. Processing such as (Step S408), notification of the dedicated site address (Step S409) to the exchange receipt (recipient B) is not performed. Further, the exchange virtual WEB server 112 may close the WEB site created in step S408.

  If the certificate is not approved, the exchange certificate mail server 109 uses the value of the “exchange certificate issuance requester email” registered in the exchange certificate issuance master 600 to notify the exchange certificate issuer that the certificate has not been approved. You may make it send mail to the customer terminal 201. FIG.

  In addition, the process from step S420 to S422 is not an essential process, and may not be implemented in other embodiments.

  As described above, according to the processing shown in FIG. 4, the exchange certificate is an electronic file and can therefore be transmitted by e-mail or the like.

  Further, since the person who received the exchange certificate file (recipient B) can collate whether or not the exchange certificate file is genuine data (step S414), it is possible to perform a safe transaction.

  Further, only when the approval of the exchange certificate issuance approver (step S422) is obtained, the recipient B can collate the exchange certificate, and therefore, if the approval is not obtained, the transaction is not actually established. . Therefore, it is effective in the case where a third party wants to monitor a commodity transaction using the exchange certificate by the payer A. For example, when a child (payer A) makes a purchase, the child can purchase only the products approved by the parent (authorizer).

  Further, a terminal device such as the customer terminal 201 issues a voucher, and the functions required for the terminal device to send and receive a voucher file are mainly accessed by accessing a site established by the server 100 and inputting data. This is a function and a function for sending and receiving mail. Therefore, the terminal device does not need to include special hardware and software. Therefore, since there are few restrictions on the terminal device for issuing the exchange certificate and transmitting / receiving the exchange certificate file, the exchange certificate file can realize high circulation.

(Exchange certificate reissue application)
FIG. 9 shows an example of a processing flow performed by the server 100 when the payee B purchases a product from the payee D using the exchange certificate received from the payer A as a price after the processing shown in FIG. Show.

  This process is performed by the cooperation of the processes performed by the devices in the server 100. The trust relay server 104 and the trust management server 106 perform processing flow control. Control of processing performed by each device in the server 100 is performed by the CPU 37 of each device developing and executing a control program stored in the ROM 31, the storage unit 33, or the like on the RAM 32. Communication between the terminal device such as the customer terminal 201 and the server 100 is performed via the network N1. Communication between the Zengin System 300 and the server 100 is performed via the network N2. Communication between the devices in the server 100 is performed by a network such as a LAN via a switch or the like.

  In this process, after the transaction of the product after step S414 in FIG. 4, the recipient B who is the “payer” of the consideration of the product uses the exchange certificate file received from the payer A as the consideration and receives the recipient. This is started when the recipient B applies for the reissuance of the exchange certificate via the terminal device such as the customer terminal 203 in order to receive the product from D.

  First, in step 414, the recipient B selects the exchange certificate reissue application from the next processing displayed by the exchange certificate virtual WEB server 112 in response to the verification result that the exchange certificate file is authentic. After the screen displayed by the certificate virtual WEB server 112 is changed to the corresponding screen in the internet banking infrastructure system 101 according to the selection, the recipient B receives the exchange certificate via the input unit 35 of the customer terminal 203. Information necessary for reissuance application (for example, exchange certificate number of exchange certificate file held by recipient B, exchange certificate reissue requester, exchange certificate reissue request email, reissue certificate recipient, reissue Information related to receipt of exchange certificate recipient, exchange certificate reissue approver, exchange certificate reissue approver e-mail, scheduled delivery date, trust contract number, exchange certificate number on which reissue is based) Enter, it makes a request of the exchange certificate re-issued to Internet banking foundation system 101. With regard to the input, it is also possible to automatically input a part of the information necessary for the application by taking over from the exchange certificate virtual WEB server 112, for example, some information such as an exchange certificate number. In step S <b> 901, the Internet banking infrastructure system 101 transmits the request received together with the information input by the recipient B to the trust relay server 104 via the trust acceptance server 103. In response to the received request, the trust relay server 104 makes a registration request to the trust management server 106 to the application master 500, and the exchange certificate reissue application data is stored and registered in the master master 500 of the trust management server 106. Is done. Data to be registered is determined according to the information input via the input unit 35 of the customer terminal 203.

  An example of a record registered in the application master 500 is shown in a record 504 in FIG. In this example, a value of “2” (reissue) is set in “application category”. A value of “H00001” is set in “Exchange certificate number to be reissued”, and this value is the same as the value of “Exchange certificate number” of record 604 in FIG.

  Returning to the description of FIG. In step S902, the trust management server 106 makes a request for reissuance of the exchange certificate to the exchange certificate issuance management server 111 in response to the request received from the trust relay server 104 in step S901. In response to the request, the exchange certificate issue management server 111 issues a reissue exchange certificate and creates an electronic file (exchange certificate file) of the reissue certificate. The exchange certificate issuance management server 111 creates exchange certificate identification data for uniquely identifying the reissue exchange certificate, is encrypted by the encryption server 110, and is included in the exchange certificate file. Also, the exchange certificate issuance management server 111 stores and registers information related to the issued reissue exchange certificate in the exchange certificate issuance master 600. An example of a record registered in the exchange certificate issuance master 600 is shown in a record 605 in FIG.

  In step S903, the exchange certificate issuance management server 111 requests the exchange certificate mail server 109 to transmit the created exchange certificate file to the customer terminal 203 used by the recipient B. In response to the request, the exchange certificate mail server 109 sends an exchange certificate file to the customer terminal 203 using the value of the “exchange certificate reissue requester email” registered in the exchange certificate issuance master 600.

  Next, in step S904, the exchange certificate issuance management server 111 requests the exchange certificate external WEB management server 107 to create a URL of the WEB site that has a one-to-one correspondence with the exchange certificate file created in step S902. . The exchange certificate external WEB management server 107 requests the exchange certificate authentication server 108 to create a URL. The exchange certificate authentication server 108 creates a URL in response to the request. The exchange certificate external WEB management server 107 requests the exchange certificate virtual WEB server 112 to create a WEB site corresponding to the created URL. The exchange certificate virtual WEB server 112 creates a WEB site in response to the request. The created WEB site is used in the verification process of the exchange certificate described later. The exchange certificate external WEB management server 107 sends the URL created by the exchange certificate authentication server 108 to the exchange certificate issuance management server 111 in the exchange certificate issuance master 600 as “reissued exchange certificate recipient verification address” (re-issued). It is requested to set it as a value of data that uniquely identifies the recipient of the issue exchange certificate. A record 606 in FIG. 6 is an example of a record in which a value is set in “Exchange recipient verification address”. In addition, when a reissue exchange certificate is issued, the exchange certificate issuance management server 111 updates the data of the exchange certificate issuance master 600 to indicate that the exchange certificate that is the basis of the reissue is collected. . A record 604 in FIG. 6 is an example of a record in which a value is set in “collection date” to indicate that the exchange certificate has been collected. Then, in order to prevent the collation request from being again requested for the collected voucher, the WEB site created in step S408 corresponding to the voucher on which the reissue is based is closed.

  In step S905, the exchange certificate issuance management server 111 registers the URL created by the exchange certificate authentication server 108 in step S904 in the exchange certificate issuance master 600 with respect to the exchange certificate mail server 109. A request is made to send an e-mail with the value of “reissued exchange certificate recipient E-mail” as the destination. According to the processing in step S905, the above-mentioned URL can be sent by e-mail to a terminal device (for example, customer terminal 204) used by the recipient D. The exchange certificate (to be described later) can be transmitted via the terminal device that has received this e-mail. The collation process can be performed.

  Next, the recipient B sends the exchange certificate file received from the exchange certificate mail server 109 in step S903 to the recipient D by e-mail or the like as consideration for acquiring the transaction target product. Then, the recipient D uploads the received exchange certificate file from the terminal device such as the customer terminal 204 to the WEB site indicated by the URL transmitted in step S905.

  In step S <b> 906, the exchange certificate virtual WEB server 112 receives the exchange certificate file uploaded from the terminal device such as the customer terminal 204.

  Next, in step S907, the exchange certificate external WEB management server 107 transmits the exchange certificate file received by the exchange certificate virtual WEB server 112 and the accessed URL data to the exchange certificate issuance management server 111 in step S906. The exchange certificate issue management server 111 is requested to verify whether or not the exchange certificate file is authentic data. The exchange certificate issuance management server 111 searches the exchange certificate file for which the URL to which the exchange certificate file to be verified has been uploaded is created in step S904, and identifies the exchange certificate file. The encryption server 110 decrypts the exchange certificate identification data included in the uploaded exchange certificate file to be verified. When the exchange certificate issuance management server 111 creates the identified exchange certificate file in step S902, the exchange certificate identification data included in the file matches the exchange certificate identification data included in the exchange certificate file to be verified. Determine whether or not. Since the subsequent verification process is the same as the exchange certificate issuance application process, a description thereof will be omitted.

  As described above, according to the process shown in FIG. 9, a person who receives the exchange certificate file from another person (recipient B) receives the exchange certificate file reissued based on the exchange certificate file. It can be sent by e-mail to recipient D) (steps S902, S903). Further, it is possible to collate whether the reissued exchange certificate file is genuine data (step S907). Therefore, the exchange certificate has very high distribution properties and high transaction safety. In addition, after the reissued voucher is issued, the verification WEB site related to the voucher that is the basis of the reissue is closed, so that multiple valid transmissions of one voucher file are generated. No problem arises. Therefore, it is possible to perform a safe transaction.

(Application for granting beneficiary rights)
FIG. 10 shows an example of a processing flow performed by the server 100 when the recipient D applies for beneficiary rights based on the exchange certificate received from the recipient B after the processing shown in FIG.

  This process is performed by the cooperation of the processes performed by the devices in the server 100. The trust relay server 104 controls the processing flow. Control of processing performed by each device in the server 100 is performed by the CPU 37 of each device developing and executing a control program stored in the ROM 31, the storage unit 33, or the like on the RAM 32. Communication between the terminal device such as the customer terminal 201 and the server 100 is performed via the network N1. Communication between the Zengin System 300 and the server 100 is performed via the network N2. Communication between the devices in the server 100 is performed by a network such as a LAN via a switch or the like.

  This process is started when the recipient D makes a delivery application via the terminal device such as the customer terminal 204 in order to issue the exchange certificate after step S907 in FIG.

  First, in step 907, the recipient D selects the exchange certificate delivery application from the next processing displayed by the exchange virtual web server 112 in response to the verification result that the reissued exchange certificate file is authentic. Then, after the screen displayed by the exchange certificate virtual WEB server 112 is changed to the corresponding screen in the Internet banking infrastructure system 101 according to the selection, the recipient D receives the input via the input unit 35 of the customer terminal 204. Enter the information necessary for the application for the delivery of the exchange certificate (for example, information on the exchange certificate number of the exchange certificate file held by the recipient D, the account etc. to which the amount to be delivered is transferred, etc.) to the Internet banking infrastructure system 101 Request for delivery of exchange certificate. With regard to the input, it is also possible to automatically input a part of the information necessary for the application by taking over from the exchange certificate virtual WEB server 112, for example, some information such as an exchange certificate number. In step S 1001 of FIG. 10, the Internet banking infrastructure system 101 transmits the grant request received together with the information input by the recipient D to the trust relay server 104 via the trust acceptance server 103. In response to the received request, the trust relay server 104 requests the trust management server 106 to register the application master 500, and the grant application data is stored and registered in the trust management server 106. Data to be registered is determined according to the information input via the input unit 35 of the customer terminal 204.

  An example of a record registered in the application master 500 is shown in a record 505 in FIG. In this example, a value of “3” (delivery) is set in “application category”, and a delivery date is set in “delivery date”. The value of “H00002” is set in “Exchange certificate number to be reissued”, and this value is the same as the value of “Exchange certificate number” of record 607 in FIG. The value of account information (account number or the like) into which the amount to be delivered is set is set in the “deposit account (or deposit account at the time of grant)” of the requester for the exchange certificate (or reissue certificate).

  Returning to the description of FIG. In step S1002, the trust relay server 104 requests the trust management server 106 to update the value of the “trust beneficiary” in the record of the trust beneficiary right master 800 to a value indicating the recipient D. A record 803 in FIG. 8 is an example of a record in which the value of “trust beneficiary” is updated to a value indicating the recipient D. Thus, according to the processing of step S1002, the trust beneficiary is in the state of the recipient D in the management of the data of the trust beneficiary right master 800.

  Next, in step S1003, the trust relay server 104, among the funds transferred to the corresponding trust account in FIG. 4 (A), the account designated by the recipient D (the amount to be delivered corresponding to the exchange certificate to be delivered) ( In other words, the bank account system executes the process of depositing into the “account set in the deposit requestor's deposit account (deposit account at the time of grant)” of the application master 500 in FIG. Requests are made to the system 102 and the trust account system 105. In response to the request, the trust account system 105 withdraws funds from the corresponding trust account and transfers it to the trust account held in the bank account system 105. The transferred grant amount is withdrawn from the trust account by the bank account system 102 and deposited into the account designated by the recipient D. When the deposit account of the recipient D is in another financial institution, processing is performed in cooperation with the Zengin System 300. According to the processing in step S1003, in the case of this embodiment, the entire amount of funds has been withdrawn from the corresponding trust account.

  Next, the processing result of the trust account system 105 is transmitted to the trust relay server 104. In step S1004, in response to the processing result, the trust relay server 104 updates the trust contract master 700 and the trust beneficiary right master 800 to the trust management server 106 in order to record that the grant has been made. Request. The trust management server 106 updates the trust contract master 700 and the trust beneficiary right master 800 in response to the request, and this process ends. When the exchange certificate is issued, the value of the “trust beneficiary right balance” in the trust beneficiary right master 800 corresponding to the exchange certificate is set to zero. (Not shown) Further, in the trust beneficiary right master 800, a “delivery date (expiration date)” may be provided, and when it is issued, the delivery date may be set. A record 703 in FIG. 7 shows an example of data updated in the trust contract master 700. In this example, the value of “trust property balance” is set to zero. The “trust asset balance” in the trust contract master 700 includes a balance of beneficiary rights that can be issued for exchanges and a balance of trust beneficiary rights in circulation for which exchange certificates have been issued but not issued. Therefore, if multiple exchange certificates are issued in the same trust contract, the value of the “trust beneficiary right balance” in the trust beneficiary right master 800 corresponding to the issued exchange certificate is confirmed, respectively. 700 “trust property balance” is updated.

  As described above, according to the process shown in FIG. 10, the funds to be delivered based on the exchange certificate are withdrawn from the trust account. Therefore, even if the person who became the recipient (Recipient B) went bankrupt, etc. in the process in which the exchange certificate was in circulation, the funds paid based on the exchange certificate should be the funds previously trusted by the issuer. Since it is based on the trust beneficiary right that is supported, the funds to be delivered to the recipient D are kept separately and are not affected by the recipient. Therefore, the settlement using the exchange certificate is highly secure.

  When the delivery process is completed, the exchange certificate issuance management server 111 displays the data of the exchange certificate issuance master 600 in order to indicate that the exchange certificate has been collected, as in the case where the reissue exchange certificate is issued. Update. In order to indicate that the exchange certificate has been collected, a value is set in the “collection date” of the corresponding record in the exchange certificate issuance master 600. And in order to prevent the collation request | requirement with respect to the collect | recovered exchange certificate again etc., the WEB site corresponding to the applicable exchange certificate is closed. Therefore, a plurality of effective presentations of one exchange certificate file are generated, and there is no problem that a plurality of delivery is performed. Therefore, it is possible to perform a safe transaction.

  Furthermore, when Payer A transfers the beneficiary rights to the trustee bank etc. for a certain period until the issuance of the exchange certificate, the “trust beneficiary” in the record 801 of the trust beneficiary rights master 800 includes “trustee bank”, It is registered. In that case, the funds paid based on the certificate of exchange are kept separately from the issuer, and the payment of funds based on the certificate of exchange at the time of delivery is not affected by the issuer. For this reason, the settlement using the voucher is more secure.

(Application for deposit to individual account of beneficiary trust)
After step S414 of the application for the issuance of the certificate of exchange, the beneficiary B deposits the principal of the beneficiary right into the individual trust account opened in the trust account by the beneficiary B in advance based on the exchange certificate received from the payer A. In this case, an example of a processing flow performed by the server 100 is shown below.

  This process is performed by the cooperation of the processes performed by the devices in the server 100. The trust relay server 104 and the trust management server 106 perform processing flow control. Control of processing performed by each device in the server 100 is performed by the CPU 37 of each device developing and executing a control program stored in the ROM 31, the storage unit 33, or the like on the RAM 32. Communication between the terminal device such as the customer terminal 201 and the server 100 is performed via the network N1. Communication between the Zengin System 300 and the server 100 is performed via the network N2. Communication between the devices in the server 100 is performed by a network such as a LAN via a switch or the like.

  In this process, after step S414 in FIG. 4, the payee B deposits the exchange certificate file received from the payer A into the individual account of the payee B as a consideration. This is started when applying for deposit to the individual trust account of the recipient B via the terminal device.

  First, in step 414, a receipt application to the individual trust account of the recipient is made from the next processing displayed by the exchange virtual web server 112 in response to the verification result that the exchange certificate file is authentic. And the screen displayed by the voucher virtual WEB server 112 is changed to the corresponding screen in the Internet banking infrastructure system 101 according to the selection, and then the recipient B passes the input unit 35 of the customer terminal 203. Enter the information required to apply for payment to the recipient's individual trust account (for example, the exchange number of the exchange certificate file that the recipient B has, the trust account number of the recipient B, etc.) A request is made to the infrastructure system 101 for payment to the individual trust account of the payee. With regard to the input, it is also possible to automatically input a part of the information necessary for the application by taking over from the exchange certificate virtual WEB server 112, for example, some information such as an exchange certificate number. In step S <b> 901, the Internet banking infrastructure system 101 transmits the request received together with the information input by the recipient B to the trust relay server 104 via the trust acceptance server 103. In response to the received request, the trust relay server 104 requests the trust management server 106 to register with the application master 500, and the payment data to the individual trust account of the recipient is the application master 500 of the trust management server 106. Is stored and registered. Data to be registered is determined according to the information input via the input unit 35 of the customer terminal 203. The trust relay server 104 requests the trust account system 105 to process the issue amount of the corresponding exchange certificate to the trust individual account of the recipient B. Further, the trust relay server 104 requests the trust management server 106 to change the “trust beneficiary” of the trust beneficiary right master 800 corresponding to the corresponding exchange certificate from the payer A to the payee B. When the deposit process is completed, the exchange certificate issuance server 111 sets a value for the “collection date” of the exchange certificate issuance master 600 corresponding to the corresponding exchange certificate. And in order to prevent the collation request | requirement with respect to the collect | recovered exchange certificate again etc., the WEB site corresponding to the applicable exchange certificate is closed.

  FIG. 11 shows an example of processing on the deposit account and the trust account in the exchange certificate reissue application, the exchange certificate issuance application, and the deposit application to the recipient trust individual account. In addition, a trust exchange certificate pool account on the trust account is issued by transferring the issue amount from the balance of the individual account of the trust certificate issuer's trust to the pool account when an application for issuance of an exchange certificate is made. As an account for managing the issued balance of the entire exchange voucher, it is established separately from the trust individual account for each trust contractor.

(Embodiment 2)
Next, Embodiment 2 will be described.
Here, an embodiment will be described in which a point issued by a point service provided by a company operating a store, an auction site, or the like is exchanged or settled with another person using a trust type electronic settlement support system.

  The point service is a service that gives a customer points calculated under certain conditions according to the purchase price of various products and services or the number of visits to the store. Those who have points can receive certain preferential treatment for purchase of goods and services in exchange for the points.

  FIG. 12 shows a conceptual diagram of a method of using the trust type electronic payment support system in the present embodiment. Hereinafter, FIG. 12 will be described while showing the relationship with the first embodiment.

A store (payer A in FIG. 1) has a trust individual account.
Customer Y (Recipient B in FIG. 1, not shown in FIG. 12) purchases a product at A store and holds 80,000 points (individual points) in the point service operated at A mall. ing.

  The individual points of the A mall can be used when purchasing goods and the like at the A mall, and can receive a discount according to the number of points. In addition, “individual points” of A mall are converted into “common points” that can be used on B auction sites, C credit cards, and D malls affiliated with A mall, and “cash points” representing the amount in cash. be able to. The conversion rate between individual points, common points, and cash points can be freely determined by a consignor such as A store.

  In this embodiment, the number of individual points held by each customer is stored and managed by a system operated by each store, mall, etc., and the number of points of common points and cash points is trust type electronic settlement support It is stored and managed in the storage unit of the system.

  When customer Y wants to use points at another store or the like, in order to convert individual points into common points, customer Y issues a common exchange certificate to the site of A store.

  The store A requests the trust-type electronic settlement support system to issue a common exchange certificate equivalent to the number of points requested (S1 in FIG. 1).

  Thereafter, funds are transferred from the trust individual account of the A store to the trust exchange certificate pool port, and an exchange certificate is issued to the A store (S2 in FIG. 1).

  The trust-type electronic settlement support system notifies the customer Y of the URL of the site for verification of the issued common exchange certificate (S3 in FIG. 1), and the A shop sends the common exchange certificate to the customer Y (FIG. 1). S4).

  The customer Y collates the common exchange certificate at the URL site that received the notification (S5 in FIG. 1), and if it can be collated, the individual points of the A store owned by the customer Y are converted into common points (FIG. 1). 1 equivalent to S6).

  Customer Y makes an application for reissuance of the common exchange certificate to the trust-type electronic payment support system (S7-1 in FIG. 1), and then uses the common exchange certificate at the B auction site that is affiliated with A mall. (S7-2 to S11 in FIG. 1).

  Further, the customer Y can receive the money as a recipient and convert the exchange certificate such as a common exchange certificate into electronic money and deposit it into a mobile phone (download the converted data). For example, this electronic money can be used as electronic money equivalent to a common point in an affiliated convenience store, and can be used as electronic money equivalent to a cash point in a non-affiliated convenience store.

  As described above, according to the present embodiment, the common points and the cash points are points backed by the trust money, so that the risk of unpaid points can be reduced. Each point can be exchanged, cashed and reused as a common beneficiary right.

(Embodiment 3)
Next, Embodiment 3 will be described.
Here, an embodiment will be described in which a voucher issued using a trust-type electronic settlement support system is exchanged or settled across media (terminal models), companies, business types, etc. via a joint center. In this embodiment as well, a trust agreement is concluded between the financial institution that is the trustee and the trustee. Since the processing process is almost the same as that of the first embodiment, the description of the processing is omitted.

  In this embodiment, users to be used are various corporations / individuals and there are various usage forms. Therefore, a common center including a trust-type electronic settlement support system that provides a base that users can use in common is provided. The joint center is composed of a computer system and the like, and mediates processing and procedure requests that occur among trust-type electronic settlement support systems, corporations, and individuals. For example, after receiving a procedure request for a financial institution from an individual, the joint center converts the request into a processing format suitable for the system of the financial institution and transmits the request.

  FIG. 13 shows a conceptual diagram of a method of using the trust type electronic settlement support system in the present embodiment. Examples of how to use the trust-type electronic payment support system through the joint center are listed below.

(1) Mr. A issues a voucher and transmits it to Mr. B via a joint center using a mobile phone.
(2) Mr. B transfers the received exchange certificate to Mr. C.
(3) Mr. C downloads a voucher to his mobile phone and uses it as electronic money.
(4) By linking funds necessary for the celebration between individuals to a celebration / condolence telegram as a voucher, the telegram and funds can be transmitted simultaneously even if they cannot attend a wedding or funeral.
(5) The parent issues all pocket money with a voucher. Children shop with exchange vouchers, but parents must approve payments over a certain amount or purchase items online.
(6) Students will issue a tuition fee for the English conversation school with an exchange certificate. With the school (or student) as the approver, the school (or student) confirms the payment when the lesson unit ends.
(7) A company issues a part-time job fee or salary with a voucher, and an individual receives it with a mobile phone.
(8) By using a trust account, it is possible to receive electronic receivables.

  In order to realize the above embodiment, the joint center stores and manages telephone numbers of users and company employee numbers, or associates such information with a trust account corresponding to the contract. .

It is a figure which shows the outline | summary of a trust type | mold electronic payment assistance system. It is a figure which shows the structure of a trust type | mold electronic payment support system. It is a block diagram which shows the structure in the apparatus with which a trust type | mold electronic payment assistance system is equipped. It is a flowchart which shows an example of the processing flow in the server of a trust type | mold electronic payment assistance system. It is a figure which shows an example of the structure of the data memorize | stored in the server of the trust type | mold electronic payment assistance system, and the memorize | stored data. It is a figure which shows an example of the structure of the data memorize | stored in the server of the trust type | mold electronic payment assistance system, and the memorize | stored data. It is a figure which shows an example of the structure of the data memorize | stored in the server of the trust type | mold electronic payment assistance system, and the memorize | stored data. It is a figure which shows an example of the structure of the data memorize | stored in the server of the trust type | mold electronic payment assistance system, and the memorize | stored data. It is a flowchart which shows an example of the processing flow in the server of a trust type | mold electronic payment assistance system. It is a flowchart which shows an example of the processing flow in the server of a trust type | mold electronic payment assistance system. It is a figure which shows an example of the change of the account of the money | bag deposited into the account in time series. It is a figure which shows the outline | summary of the trust type | mold electronic payment assistance system in other embodiment. It is a figure which shows the outline | summary of the trust type | mold electronic payment assistance system in other embodiment.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Trust type electronic payment support system 100 Server 101 Internet banking infrastructure system 102 Bank account system 103 Trust acceptance server 104 Trust relay server 105 Trust account system 106 Trust management server 107 Exchange voucher external WEB management server 108 Voucher authentication server 109 Exchange Certificate mail server 110 Encryption server 111 Exchange certificate issuance management server 112 Exchange certificate virtual web server 201, 202, 203, 204, 205 Customer terminal 300 Zengin system N1, N2 network

Claims (11)

A trust-type electronic settlement support system having a server system including one or more server devices connected to a bank / trust account system, and one or more terminal devices connected to the server system, The server system is
Exchange certificate issuance application information for transferring trust beneficiary rights, and issuance of exchange certificate issuance application information including issuance applicant information, issuance amount information, and recipient information of the exchange certificate from the terminal device. Voucher issuance application registration means,
Means for storing trust beneficiary right information corresponding to the voucher;
Means for storing beneficiary right balance information that can be issued the voucher, and storing trust contract information related to the stored trust beneficiary right information;
Identification information for storing information related to the voucher issued in order to issue the voucher for the beneficiary rights within the balance of the beneficiary right balance information that can issue the voucher, and uniquely identifying the voucher issued An exchange certificate issuing means for creating an exchange certificate file that is a file including at least a part of
Exchange certificate sending means for sending the created exchange certificate file by e-mail to the destination of the issue applicant indicated by the information included in the issue applicant information;
Dedicated site generation means for creating, for each exchange certificate file, a WEB site for checking whether or not the exchange certificate file is authentic data using the identification information;
Dedicated site address notification means for sending an e-mail to the addressee of the recipient indicated by the information included in the recipient information;
A voucher verification means for performing the verification of the voucher file uploaded to the WEB site;
After the exchange certificate file that is authentic as a result of the collation is collected, information indicating that the collection has been collected is stored, and an exchange collection means for closing the WEB site used for the collation A trust-type electronic settlement support system characterized by having The exchange certificate issuance application information received and stored by the exchange certificate issuance application registration means includes information of an approver who approves a transaction using the exchange certificate,
The server system is
An approval site generating means for generating an approval WEB site for receiving information indicating whether or not to approve a transaction, corresponding to the exchange certificate file;
Approval site address notifying means for sending an e-mail to the address of the approver indicated by the information included in the approver information, the address of the generated approver WEB site,
2. The exchange certificate file is sent when the exchange certificate sending means receives information indicating that the transaction is approved via the generated approval WEB site. 3. Trust type electronic payment support system. The server system is
Exchange certificate reissue application information including information on the issued exchange certificate, new issue applicant information on the exchange certificate, and new recipient information on the exchange certificate is received from the terminal device and stored. Exchange certificate reissue application registration means,
Identification information for storing the exchange certificate relating to the stored exchange certificate reissue application information, storing information on the exchange certificate to be reissued in order to reissue the exchange certificate, and uniquely identifying the exchange certificate to be reissued An exchange certificate reissuing means for creating an exchange certificate file, which is a file including at least a part of
The exchange certificate sending means sends the exchange certificate file created for reissuing the exchange certificate to a new issue applicant address indicated by the information included in the new issue applicant information. The trust type electronic settlement support system according to claim 1 or 2. The server system is
Exchange certificate issuance application registration means for receiving and storing grant application information including information on the exchange certificate and information on the recipient of the issued funds;
For the exchange certificate relating to the stored delivery application information, a request for depositing the trust fund corresponding to the exchange certificate to the deposit destination indicated by the information of the deposit destination of the fund in the grant application information is sent to the bank / trust The trust-type electronic settlement support system according to any one of claims 1 to 3, further comprising: a delivery unit that transmits to a billing system. The server system is
Connected to the national bank data communication system,
Exchange certificate issuance application registration means for receiving and storing grant application information including information on the exchange certificate and information on the recipient of the issued funds;
For the exchange certificate relating to the stored delivery application information, a request for depositing the trust fund corresponding to the exchange certificate to the deposit destination indicated by the information of the deposit destination of the fund in the grant application information is sent to the bank / trust The trust type electronic settlement support system according to any one of claims 1 to 3, further comprising: an accounting system and a delivery unit that transmits to the national bank data communication system. Implemented in a trust-type electronic settlement support system having a server system having one or more server devices connected to a bank / trust account system and one or more terminal devices connected to the server system A method implemented in the server system is as follows:
Exchange certificate issuance application information for transferring trust beneficiary rights, and issuance of exchange certificate issuance application information including issuance applicant information, issuance amount information, and recipient information of the exchange certificate from the terminal device. Voucher issuance application registration step,
Storing trust beneficiary right information corresponding to the voucher;
Storing the trust contract information related to the stored trust beneficiary right information, including beneficiary right balance information to which the exchange certificate can be issued;
Identification information for storing information related to the voucher issued in order to issue the voucher for the beneficiary rights within the balance of the beneficiary right balance information that can issue the voucher, and uniquely identifying the voucher issued A voucher issuance step for creating a voucher file that is a file including at least a part of the voucher;
An exchange certificate sending step for sending the created exchange certificate file by e-mail to the destination of the issue applicant indicated by the information included in the issue applicant information;
A dedicated site generation step for creating, for each exchange certificate file, a WEB site for checking whether or not the exchange certificate file is authentic data using the identification information;
A dedicated site address notification step of sending an e-mail to the addressee of the recipient indicated by the information included in the recipient information;
A voucher verification step for performing the verification of the voucher file uploaded to the WEB site;
After the exchange certificate file that is authentic as a result of the collation is collected, information indicating that the collection is collected is stored, and a voucher collection step for closing the WEB site used for the collation is included. A method characterized by that. The exchange certificate issuance application information received and stored in the exchange certificate issuance application registration step includes information of an approver who approves a transaction using the exchange certificate,
The method implemented in the server system is:
An approval site generation step for generating an approval WEB site for receiving information indicating whether or not to approve a transaction in response to the exchange certificate file;
An approval site address notifying step of sending an e-mail to the address of the approver indicated by the information included in the approver information, the generated address of the approver WEB site;
7. The exchange certificate file is sent when the exchange certificate sending step receives information indicating that the transaction is approved via the generated approval web site. 8. the method of. The method implemented in the server system is:
Exchange certificate reissue application information including information on the issued exchange certificate, new issue applicant information on the exchange certificate, and new recipient information on the exchange certificate is received from the terminal device and stored. Exchange certificate reissue application registration step,
For exchange slips according to the exchange certificate reissue application information the storage, if the information indicating that it has been the recovery by the exchange Akashikai yield step is stored, the re-issued to reissue the exchange certificate An exchange certificate reissuing step for creating an exchange certificate file that stores information relating to the exchange certificate to be executed and that includes at least a part of identification information for uniquely identifying the exchange certificate to be reissued, and
In the exchange certificate sending step, the exchange certificate file created for reissuing the exchange certificate is sent by e-mail to the address of the new issue applicant indicated by the information included in the new issue applicant information. The method according to claim 6 or 7. The method implemented in the server system is:
Exchange certificate grant application registration step for receiving and storing grant application information including information on the exchange certificate and information on the recipient of the delivered funds;
For the exchange certificate relating to the stored delivery application information, a request for depositing the trust fund corresponding to the exchange certificate to the deposit destination indicated by the information of the deposit destination of the fund in the grant application information is sent to the bank / trust The method according to any one of claims 6 to 8, further comprising: a delivery step of transmitting to the accounting system. The server system is connected to a national bank data communication system,
The method implemented in the server system is:
Exchange certificate grant application registration step for receiving and storing grant application information including information on the exchange certificate and information on the recipient of the delivered funds;
For exchange slips according to the memorized said delivery line items, the exchange if Akashikai information indicating that it has been said recovered by Osamu step is stored, the delivery line items entrusted funds corresponding to the exchange certificate And a delivery step of transmitting a request for depositing to the depositee indicated by the depositee information of the fund to the bank / trust account system and the national bank data communication system. Item 9. The method according to any one of Items 8. Information on the application for the issuance of a voucher for transferring trust beneficiary rights to a server system comprising one or more server devices connected to a bank / trust account system and one or more terminal devices, Exchange certificate issue application registration means for receiving and storing exchange certificate issue application information including issue applicant information, issue amount information and recipient information of the exchange certificate from the terminal device,
Means for storing trust beneficiary right information corresponding to the voucher;
Means for storing trust contract information related to the stored trust beneficiary right information, including beneficiary right balance information to which the exchange certificate can be issued;
Identification information for storing information related to the voucher issued in order to issue the voucher for the beneficiary rights within the balance of the beneficiary right balance information that can issue the voucher, and uniquely identifying the voucher issued A voucher issuing means for creating a voucher file that is a file including at least a part of
Exchange certificate sending means for sending the created exchange certificate file by e-mail to the destination of the issue applicant indicated by the information included in the issue applicant information;
Dedicated site generation means for creating, for each exchange certificate file, a WEB site for checking whether the exchange certificate file is genuine data or not using the identification information;
Dedicated site address notifying means for sending an e-mail to the addressee of the recipient indicated by the information included in the recipient information, the address of the created WEB site;
A voucher verification means for performing the verification of the voucher file uploaded to the WEB site;
After the exchange certificate file that is authentic as a result of the collation is collected, information indicating that the collection has been collected is stored, and functions as a voucher collection means for closing the WEB site used for the collation Program to let you.

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