JP6815234B2 - Payment system using general-purpose mobile terminals - Google Patents

Description

The present invention relates to a payment system between bank accounts using a network, and more particularly to a payment system in which a user makes a payment using a general-purpose mobile terminal or a general-purpose personal computer.

As a method of making payments other than cash, there is a method of using a credit card or a debit card. J-Debit (registered trademark), which is a debit card service that makes payments with a debit card, and CARDNET, which allows immediate withdrawal of funds by direct debit between a savings account / checking account and a central account (separate account) of the same bank The 24-hour real-time fund transfer service of (registered trademark) is widespread. Further, as in JP-A-2009-176065, there is also a technique of incorporating an electronic money application into an IC chip of a mobile phone and making a payment by electronic money using the mobile phone.

JP 2009-176065

In order to make it possible to use credit cards and debit cards in stores and hospitals, it is necessary for stores and hospitals to prepare terminals dedicated to payment and dedicated communication lines, and it is costly to introduce them. In addition, the user needs to go to a store or hospital with a credit card or debit card, insert the card into a dedicated terminal in the store or hospital, and enter a PIN, which limits the place and time for use. In Japanese Patent Application Laid-Open No. 2009-176065, conversion from cash to electronic money is required, and a dedicated terminal is required for payment.

In the present invention, a wallet server is provided that connects to a real-time fund transfer gateway (GW) that provides a real-time fund transfer service via a dedicated line, and also connects to a customer terminal or a store terminal via the Internet. The customer and the member store (and the member hospital) must each have a savings account or a checking account at a bank (referred to as Bank X), which is a storage agency, and conclude an account transfer contract with Bank X, respectively. In the wallet server, the account information of the customer who completed the account transfer contract and the member store is registered in advance. The wallet server assigns a unique ID to the system to each customer and member store. The customer and the member store install application software for payment terminals (hereinafter, user application and store application) on their respective mobile terminals and general-purpose personal computers (hereinafter, terminals). The customer terminal and the member store terminal communicate with each other via the wallet server by the payment application software (hereinafter referred to as the payment application), and the member store terminal sends an invoice to the customer terminal. When the customer approves the billing amount, the payment application in the wallet server creates data for fund transfer from the customer's account information and the billing amount, and sends it to the real-time direct debit GW. The real-time swaying GW debits the customer's account and deposits it into the bank's central account. At this stage, the payment has not been made to the member store of the payment destination, so we will call it provisional payment. When the payment application in the wallet server receives the report of the completion of withdrawal from the real-time speech GW, it creates a receipt and sends the receipt to the customer terminal.

Money to be paid to multiple merchants is temporarily stored together in the coordinating account without distinction. The wallet server aggregates the amount (distribution) to be paid to the member store from the bank X's coordinating account on a regular basis or in response to a request from the member store according to the contract with each member store. Further, the wallet server creates deposit account transfer data from the member store's account information and the billing amount, and sends it to the real-time direct debit GW. The real-time slogan GW deposits distributions from the bank account of X Bank to the bank account of the member store.

Merchant does not need to prepare a special terminal or communication line for payment. Individual customers do not have to carry their cards with them. In addition, there are no restrictions on the place or time of payment. The Internet is used to connect the terminal and the wallet server, but important information such as account information is sent to the real-time speech GW without going through the Internet, so it is highly secure. In addition, since important information such as account information and passwords are not stored in the terminal of an individual customer, the possibility of information leakage or unauthorized use due to loss or theft of the terminal is reduced.

Other objects, features and advantages of the present invention will become apparent from the following description of the embodiments of the present invention with respect to the accompanying drawings.

It is an overall block diagram of a payment system. This is an example of a configuration diagram of a wallet server. This is an example of a configuration diagram of a customer database (DB). This is an example of a block diagram of a store DB. This is an example of the configuration diagram of the payment management DB. It is a flowchart which shows the flow of the settlement performed at a customer and a store by Example 1. FIG. This is a store selection screen display example shown on the customer terminal according to the first embodiment. This is a display example of the coupon presentation shown on the customer terminal according to the first embodiment. This is a display example of the payment screen shown on the customer terminal according to the first embodiment. This is a display example of the receipt shown on the customer terminal according to the first embodiment. This is a display example at the time of customer check-in shown on the store terminal according to the first embodiment. This is a display example at the time of coupon approval shown on the store terminal according to the first embodiment. This is an example of billing amount input display shown on the store terminal according to the first embodiment. This is a copy display example of the receipt shown on the store terminal according to the first embodiment. This is an example of fund transfer data when debiting from a customer's account. It is a flowchart which shows the flow of depositing the distribution from a collecting account to each member store in a wallet server. This is an example of fund transfer data when making a deposit from a collection account to each member store. It is a figure for demonstrating multi-bank settlement. It is an example of the block diagram of the wallet server according to Example 5. It is a block diagram of the customer DB according to Example 5. It is an example of the block diagram of the store DB according to Example 5. It is an example of the block diagram of the settlement management DB according to Example 5. It is a flowchart which shows the flow of making an interbank settlement in a wallet server.

1. 1. Overall view of the system Fig. 1 shows a configuration diagram of the entire payment system.
The customer terminal 1 is a general-purpose mobile terminal such as a smartphone or tablet, and includes an input device such as a touch panel, a display screen, a wireless interface for connecting to the Internet, a processor, and a memory. It may include a camera, a short-range communication system such as Bluetooth® or infrared, and GPS. A payment customer application (user application) for payment is installed on the customer terminal 1.

The store terminal 2 is also a general-purpose smartphone, tablet, or personal computer, and includes an input device such as a touch panel, a mouse, and a keyboard, a display screen, a wireless or wired interface for connecting to the Internet, a processor, and a memory. It may include a camera, a short-range communication system such as Bluetooth® or infrared, and GPS. A payment store application (store application) for payment is installed on the store terminal 2.

The wallet server 4 is connected to the customer terminal 1 and the store terminal 2 by a public line, typically the Internet 3. The real-time fund transfer gateway (real-time fund transfer GW) 7 is connected to the computer system 8 of Bank X, which is a storage agency bank, by a dedicated network 6. The wallet server 4 and the real-time oscillating GW 7 are connected by a dedicated line 5. Real-time fund transfer GW7 provides a real-time fund transfer service.

2. 2. Configuration of wallet server FIG. 2 shows the configuration of the wallet server 4. The wallet server 4 is a general-purpose server including a processor, a memory, a large-capacity recording device, and a communication interface, and each part shown in FIG. 2 is realized by the processor executing a software program on the memory.

The payment application software (payment application) 200 includes a unit that realizes the following functions.
(1) Authentication unit 201: The customer or store that has accessed the wallet server 4 is authenticated by using a well-known method such as a password.
(2) Account balance confirmation unit 202: At the time of settlement, a request for confirming the customer's account balance is sent to the real-time speech GW7, and the customer's account balance is obtained from the bank where the customer's account is located.

(3) Store search unit 203: The store is searched according to the store search request from the customer terminal 1 and the search conditions, and the search result is transmitted to the customer terminal 1.
(4) Communication processing unit 204: The communication between the customer terminal 1 and the store terminal 2 is relayed, and information is transmitted to each other. In addition, communication is performed between the wallet server 4 and the customer terminal 1 or the store terminal 2.

(5) Discount processing unit 205: The discount amount is calculated according to the coupon or stamp presented by the customer terminal 1 and approved by the store terminal 2 according to the discount processing determined by the store, and the settlement amount is determined.
(6) Temporary payment processing unit 206: Creates account transfer data for withdrawing the payment amount from the customer's account and depositing it into the collecting account of the storage agency (Bank X), and sends it to the real-time direct debit GW7. In addition, a response as to whether or not the withdrawal has been completed normally is received from the real-time speech GW7 and recorded in the settlement management DB 240.

(7) Receipt issuance processing unit 207: When the withdrawal from the customer's account is completed normally, a receipt is created and sent to the customer terminal.
(8) Deposit distribution unit 208: The deposit is distributed from the collecting account to each member store.
The payment application may include a processing unit that searches for a customer who meets the conditions from the past customers of the corresponding store and transmits it to the store terminal 2 at the request of another processing unit, for example, the store terminal 2. .. Further, the processing unit may send information for sales promotion to the searched customer at the request of the store terminal 2.

In order to realize the above-mentioned function, the payment application 300 uses the database (DB) shown below.
(A) Customer DB 220: An example is shown in FIG. The customer DB 220 includes a user ID 31 for uniquely identifying a customer (user) in the system, user information 32 such as a user's name, a password 33 for authenticating the user, and a user's bank account information 34. Bank account numbers and passwords may be stored encrypted. The customer DB 220 may include the store information 35 for holding the information of the store used by the user in the past and the store for which the coupon has been acquired. The store information 35 is created for each store ID 37, for example, and stores coupons, stamps, discount coupons, and receipts related to the store. The connection information 36 is information used for connection and communication between the payment application 200 and the user application, and is, for example, a telephone number. Further, the customer's e-mail address may be included in the customer DB 220.
When the customer performs a contract procedure for fund transfer with a predetermined bank X, the name and bank account information are registered in the customer DB 220, and the customer is assigned a user ID.

(B) Store DB 230: An example is shown in FIG. The store DB 230 includes a store ID 41 for uniquely identifying the store in the system, store information 42 such as the store name, type, location, and URL, a password 43 for authenticating the store, and store bank account information 44. Includes a distribution date 47 that determines the timing of deposits from the coordinating account to each store. By not setting the distribution date 47, the deposit may be deposited in response to the deposit request from the store. Bank account numbers and passwords may be stored encrypted. The discount information 45 defines the content of the discount for the coupon or stamp issued by the store. The store DB 230 may include customer information 46 that stores past customer information. The customer information 46 is created for each user ID 48, for example, and can store the customer's past visit date and time, usage amount, and the like. The connection information 48 is information used for connection and communication between the payment application 200 and the store application, and is, for example, an IP address. When the store performs the account transfer contract procedure with the predetermined bank X, the store information and the bank account information are registered in the store DB 230, and the store ID is assigned to the store.

(C) Payment management DB 240: An example is shown in FIG. The payment management DB 240 has a payment ID 51 for uniquely identifying the payment in the system, a user ID 52 for the customer making the payment, a store ID 53 for the store receiving the payment, a date and time (start and end) 54 for the temporary payment, a payment amount 55, and a temporary payment amount 55. Includes payment status 57. As for the status of provisional settlement, "preparing" until the withdrawal request from the customer account is created, "withdrawal" after sending the withdrawal request to the real-time oral vibration GW7, and the normal end of withdrawal is received from the real-time oral vibration GW7. There are "Receipt is being created" while the receipt is being created, and "Temporary settlement is normally completed" for which the receipt has been sent. The distribution 58 indicates whether or not the distribution process from the collecting account to the member store has been performed. If the distribution process has not been performed, "not yet" is entered, and if the distribution process has been performed, "completed" or the serial number of the distribution process is entered. Further, as the attached information 56, information such as a coupon used for the discount and details of the billing amount may be saved.

(D) Transaction record DB 250: In the settlement management DB 240, the record for which the distribution process has been completed is transferred to the transaction record DB 250 and stored for a certain period of time.

3. 3. User terminal and store terminal As described above, the user terminal and store terminal are general-purpose smartphones and tablet terminals, but the payment user application program (user application) and payment store application program (store application) are installed, respectively. You need to be.
The user application and the store application are created by the user or the store employee selecting the application and inputting the user ID and password and the store ID and password, respectively (and by the authentication unit 201 of the payment application 200). The wallet server can be used. The user ID, the store ID, and the respective passwords may be stored in each application. The user application and the store application display options and input instructions on the screens of the user terminal 1 and the store terminal 2, respectively, and transfer the options and input data selected by the user and the store employee to the payment application 200 of the wallet server 4. Send. The selected option and the input data become a request to the payment application 200 and are processed by the payment application 200. The payment application 200 creates a response to the request and sends it to the user application or the store application. The user application or the store application displays the screen according to the response received from the payment application 200.

An example is shown in which a customer makes a payment using this payment system after eating or shopping at a store. FIG. 6 shows the flow of payment by this payment system. The following steps are executed by the payment application 200 of the wallet server 4.

<Step 601> According to the check-in operation to the store on the user application of the customer terminal 1, the checked-in store is identified, and the user of the customer terminal 1 is applied to the store application of the store terminal 2 of the identified store. In addition to notifying the information, a record including the user ID and the store ID is created and registered in the payment management DB 230. A unique payment ID is assigned by the system to both payment procedures. This payment ID is used for communication between the user application, the store application, and the payment application. (Communication processing unit 204 and provisional payment processing unit 206)

<Step 602> If a coupon or stamp is presented by an operation on the user application of the customer terminal 1, the information is transferred to the store terminal 2. If approval is obtained from the store terminal 2, the information is stored in the corresponding record of the payment management DB 240 as attached information 56. (Communication processing unit 204 and discount processing unit 205)

<Step 603> The billing amount transmission to the customer is received from the store application of the store terminal 2 and stored in the attached information 56 of the payment management DB 240. If a statement has been sent with the billed amount, save the statement as well. If there is discount information saved in step 602 at that time, the discount amount is calculated with reference to the discount information 45 in the store DB, the billed amount after the discount is transmitted to the customer terminal 1 as the settlement amount, and the settlement is made. It is saved in the corresponding record (settlement amount 55) of the management DB 240. Along with the settlement amount, the billed amount before discount and the details may be transmitted to the customer terminal 1. (Communication processing unit 204 and discount processing unit 205)

<Step 604> When the user confirms the amount of money on the user application of the customer terminal 1 and inputs the password or password determined between the customer and the wallet server, the information is notified to the payment application 200. The payment application obtains the customer's bank account number from the customer DB 220 using the customer ID, and (after decrypting the information if it is encrypted) from the withdrawal bank account and the payment amount. , Creates account transfer data for withdrawal and sends it to real-time direct debit GW7.

FIG. 9 is an example of fund transfer data transmitted to the real-time direct debit GW7 when requesting withdrawal from a customer's account. The account transfer data includes data type (withdrawal) 91, customer (user) account information 92, settlement amount 93, and withdrawal date and time 94. The account information 92 includes a bank code, a branch number, an account item, and an account number. Further, depending on the embodiment, the processing serial number and the store ID of the payment destination may be included as the option information 95. When the real-time fund transfer GW7 receives this fund transfer data, it deducts the settlement amount from the customer's account and deposits it in the collection account of the collection agency bank.

<Step 605> Upon receiving a notification from the real-time GW7 that the withdrawal has been completed normally, the payment application 200 receives a receipt containing the details saved in the payment management DB 240, the pre-discount billing amount, the payment amount, and the store name. Is created and sent to the user application of the customer terminal 1. Further, a copy of the receipt may be sent to the store application of the store terminal 2. After that, the state 57 of the corresponding settlement ID of the settlement management DB 240 is set to "provisional settlement normal end". Further, the record of the corresponding payment ID of the payment management DB 240 may be stored in the customer DB 220 or the store DB 230 at the request of the user application or the store application. (Temporary settlement processing unit 206 and receipt issuance processing unit 207)

7A-7D and 8A-8D show screen display examples of the customer terminal 1 and the store terminal 2 according to the above steps. FIG. 7A is an example in which the customer opens the user application and the store list is displayed on the customer terminal 1. When the customer selects a store from the store list displayed on the terminal screen by tapping, the check-in procedure is started. Coupons and points can be presented and sent at the time of payment as shown in Fig. 7B.

A display example on the checked-in store terminal 2 is shown in FIG. 8A. The store employee selects the displayed customer by tapping, checks whether the coupon or stamp presented on the screen of FIG. 8B is available, and approves it. In FIG. 8C, the billing amount is input.
Since the discounted billing amount is displayed on the customer terminal 1 as shown in FIG. 7C, the password is input to perform the transmission procedure. 7D and 8D are examples in which receipts are displayed on the customer terminal 1 and the store terminal 2 after the provisional settlement is completed.

Payments to many stores are deducted from many customer accounts and temporarily stored in the collection account of the storage agency bank without distinction, but the deposits are distributed to each store. The payment is completed.

FIG. 10 is a flowchart illustrating a deposit distribution process performed by the deposit distribution unit 208 of the wallet server 4.

<Step 1001> The distribution date 47 of the store DB 230 is checked, and the store ID whose distribution date is today is extracted. In step 1001, the processes of steps 1002 to 1005 are repeated for each extracted store ID.
<Step 1002> From the payment management DB 240, a record in which the store ID 53 is the store ID extracted in step 10001, the state 57 is "provisional settlement normal end", and the distribution 58 is "not yet" is extracted.

<Step 1003> The settlement amount 55 of the records extracted in step 1002 is added up. The storage agency fee may be calculated from the number of extracted records and / and the total settlement amount. A commission may be subtracted from the total settlement amount to obtain a distribution.
<Step 1004> The bank account information of the store is specified from the record of the corresponding store ID in the store DB 230, and the oral data for depositing the distribution to the account of the corresponding store ID is created from the collecting account of the storage agency bank.

FIG. 11 is an example of fund transfer data transmitted to the real-time fund transfer GW7 for depositing distributions from the collecting account to the bank account of the store. The fund transfer data includes the data type (payment) 1101, the store account information 1102, the distribution amount 1103, and the distribution date and time 1104. The account information 1102 includes a bank code, a branch number, an account item, and an account number. Further, depending on the embodiment, a processing serial number may be input as option information 1105. When the real-time fund transfer GW7 receives the fund transfer data, the real-time fund transfer GW7 deposits the distribution from the collecting account to the store account.

<Step 1005> Upon receiving the notification of the end of distribution from the real-time speech GW7, "completed" indicating that the distribution has been completed or the serial number of the distribution process is inserted in the distribution 58 of each record extracted in step 1002. This procedure completely completes the payment between the customer and the store.

As an additional process, at the request of each store, a distribution detail may be created from the record extracted in step 1002 in a format desired by each store and provided to each store.
The receipt distribution unit 208 may delete the relevant record from the settlement management DB or move it to the transaction recording DB 250 after a certain period of time has elapsed from the end of distribution.

The following modification is also possible.
(1) At the time of store registration, the GPS position information of the store is registered in the store information 42 of the store DB 230. When the user application is opened on the customer terminal 1, the GPS in the terminal acquires the GPS position information of the customer terminal 1, and the user application 200 transmits the GPS position information to the payment application 200 of the wallet server 4. The name of the store located at the same position as or close to the GPS position information transmitted by the payment application 200 may be extracted from the store DB, transmitted to the customer terminal 1, and displayed on the screen.

(2) Instead of the check-in operation of the customer terminal 1, the customer terminal 1 and the store terminal 2 exchange IDs with each other by short-range communication such as Bluetooth, and the exchanged ID and own ID from each application are walleted. The payment application 200 may start the payment between both IDs by transmitting to the payment application 200 of the server 4.

(3) It is not necessary to disclose the customer's personal name to the store when making a payment with this payment system. A button for instructing the concealment of the personal name may be provided in the user application of the customer terminal 1 to provide an option not to disclose the personal name to the store side. In this case, the payment application 200 issues a one-time temporary ID to the user at check-in, and in the payment application 200, the customer ID is replaced with the temporary ID when communicating with the store terminal 2, and vice versa. Do. By disclosing only the temporary ID to the store side, processing from the start to the end of payment is performed. By this process, even if the account transfer is used, the payment can be made without the customer's information being known or accumulated in the store, as in the case of cash. This can be realized by providing the personal name concealment flag and the temporary ID field in the payment management DB 240.

(4) Another computer may be connected to the wallet server 4 so that the payment record DB 240 can be accessed from the other computer, and the above-mentioned deposit distribution process may be performed on the other computer. The data of the deposit collected by another payment method and the data of the deposit collected by the wallet server 4 may be added up on this computer and the deposit distribution process may be performed to each store.

(5) Even if the wallet server 4 displays the balance of the customer's account on the screen of the customer terminal 1 when the user application is opened on the customer terminal 1 by using the account balance confirmation unit 202 of the payment application 200. good.
(6) The deposit distribution unit 208 may distribute the deposit according to the payment request from each store instead of the predetermined distribution date. In this case, each store sends a payment request including its own store ID to the wallet server 4. By the deposit distribution unit 208 in the wallet server 4 performing steps 1002 to 1005 of FIG. 10 for the store ID in the reception request, the deposit distribution according to the deposit request can be realized.

In hospitals, post-payment accounting takes time and patients may have to wait to complete the accounting.
In the present payment system of the present embodiment, the patient may return home after checking in to the hospital on the customer terminal 1. Later, by notifying the patient of the billed amount from the store terminal 2 of the hospital after completing the accounting process, the patient can make a payment from the customer terminal 1 even if he / she leaves the hospital.

In this case, the payment application 200 notifies the user application and the store application of the payment ID when the patient (user) is checked in and the payment record of the payment management DB 240 is registered, that is, in step 602 of FIG. The process is interrupted when the process is completed. The state 57 of the payment management DB is set to "suspended". You can search for and display suspended payments from the store app on the hospital terminal 2. When the accounting process of the corresponding patient is completed at the hospital, the billing amount is notified to the settlement application 200 together with the patient ID and the settlement ID from the hospital terminal 2, so that the process of step 603 or less can be resumed and the settlement process can be resumed.

In mail-order sales, this payment system can provide a new payment method.
It is assumed that the customer chooses to settle with this payment system when applying for the purchase of goods by mail order. The store assigns a QR code (registered trademark), which is a two-dimensional code, to the packaging of purchased items. The QR code includes a store ID and a purchase record number.

When the customer opens the user application and reads the QR code with the camera of the customer terminal 1, the customer checks in to the store identified by the store ID in the QR code. The purchase record number is sent to the store application together with the checked-in customer ID via the wallet server 4. After that, the store application notifies the customer terminal 1 of the billing amount corresponding to the purchase record number.
Customers can easily make payments after confirming the items received by mail order.

In the example of FIG. 1, only the computer system of the X bank 8 is connected to the real-time swaying GW7 as the storage agency bank, but the computer systems of other storage agency banks (Y bank and Z bank) may also be connected. .. In this case, each bank needs to individually conclude an account transfer contract with a customer or store. Real-time direct debit services are currently only available between accounts at the same bank. Therefore, it is a condition for making a payment with this system that the customer and the store have an account transfer contract with the same bank.

In order to accommodate a plurality of storage agency banks in this system, the customer DB 220, the store DB 230, the payment management DB 240, and the transaction record DB 250 may be prepared for each bank in the wallet server 4 of FIG. For the customer ID, store ID, and payment ID, a unique number may be given to each bank. The user application and store application are changed according to each bank, and when the payment application is connected to the user application and store application, which bank's coordinating account is used for payment, and which DB is used. Make it possible to recognize whether to perform processing.

Alternatively, the user application may display each bank for which the account transfer contract has been made on the screen in the form of a selection button, and allow the customer to select which bank to make the payment. The payment app is notified of the bank selected from the user app.

When the wallet server 4 displays the store list on the customer terminal 1, only the stores that can be settled through the bank with which the customer has an account transfer contract may be displayed.

In the fourth embodiment, an example in which the system is connected to the computer systems of a plurality of storage agency banks has been introduced. Next, an example of multi-bank payment in which a plurality of storage agency banks are interrelated will be introduced. The real-time bank transfer GW7 shown in FIG. 1 is connected to the computer systems of a plurality of banks and can handle fund transfer (withdrawal and distribution) between each bank's account (deposit account) and the coordinating account. To do.

See FIG. User a and store A each have an account at bank X, user a uses the user application (X) provided by bank X, store A uses the store application (X) provided by bank X, and X Settle the payment via the payment application (X) provided by the bank.

Similarly, user b and B store each have an account at Y bank, user b uses the user application (Y) provided by Y bank, and B store uses the store application (Y) provided by Y bank. Then, the payment is made via the payment application (Y) provided by Y Bank.

Further proceeding, in this embodiment, as shown by the dotted line in FIG. 12, the user a uses the user application (X) and the payment application (X) to settle with the B store using the store application (Y). To be able to do. Similarly, the user b can use the user application (Y) and the payment application (Y) to make a payment with the store A that uses the store application (X).

Similarly, the user c and C stores having an account at the Z bank are accommodated in the system so that they can make mutual payments with the user a and A stores and / and the user b and B stores.

The outline of multi-bank payment will be explained.
Consider a case where user a makes a payment with a store B that uses the store application (Y) using the user application (X) and the payment application (X). The settlement amount is transferred from the user's X bank account to the X bank coordinating account, and the deposit including the settlement amount with the user a is distributed from the Y bank coordinating account to the Y bank account of the B store.

On the contrary, consider a case where the user b uses the user application (Y) and the payment application (Y) to make a payment with the store A that uses the store application (X). The settlement amount is transferred from the user's Y bank account to the Y bank coordinating account, and the deposit including the settlement amount with the user b is distributed from the X bank coordinating account to the X bank account of the A store.

That is, no matter which bank the user has a contract with to purchase goods or services, the bank account of the user is debited to the coordinating account of the same bank, and the goods or services of the store are in which bank. Distributions are paid from the same bank's coordinating account to the store's bank account, regardless of whether it was purchased by a user with.

Later, the secretary settlement bank organizes the settlements between different banks made within the specified period, and makes the settlement between the secretary settlement bank and each bank (interbank settlement). Distribution of deposits to each store and interbank settlement are performed separately and asynchronously.

A system configuration for performing such multi-bank payment will be described. For the sake of simplicity, an example in which the system accommodates banks X, Y, and Z as storage agents will be described. The overall configuration diagram is the same as in FIG. 1, but the configuration of the wallet server 4'is as shown in FIG. As compared with FIG. 2 of the first embodiment, a new reference number is given only to different components for explanation. The component with a dash (') in the reference number is slightly different from the corresponding component of Example 1.

As mentioned above, the payment application is prepared for each storage agency bank. Therefore, the wallet server 4'exists on the payment application (X) 200'-X, the payment application (Y) 200'-Y, and the payment application (Z) 200'-Z.

The customer DB 220'is shared by a plurality of payment applications 200'-X, 200'-Y, 200'-Z. The details of the customer DB 220'are shown in FIG. Each user is registered in the customer DB 220'by performing an account transfer contract procedure with the correspondent bank. Compared with the customer DB 220 shown in FIG. 3, the bank code 1401 of the bank (for example, bank X) of the user's account and the access restriction 1402 are added to the record for storing the information of each user. The access restriction 1402 is information for setting an access restriction for each record. For example, it cannot be accessed from non-bank personnel and application software with bank code 1401 (value 2), and can only be read from non-bank application software with bank code 1401 (value 1).

The store DB 230'is also shared by the plurality of payment applications 200'-X, 200'-Y, and 200'-Z. The details of the store DB 230'are shown in FIG. Each store is registered in the store DB 230'by performing an account transfer contract procedure with the correspondent bank. Compared with the store DB 230 shown in FIG. 4, the bank code 1501, the access restriction 1502, and the fee code 1503 of the bank (for example, Y bank) of the store account are added to the record for storing the information of each store. The access restriction is information for setting an access restriction on the record of the store. For example, it cannot be accessed from non-bank officials with bank code 1501 and application software (value 2), and can only be read from non-bank application software with bank code 1501 (value 1). The fee code 1503 is information on the fee charged to the store. For example, "100 yen per payment" is the fee code 1.

In the payment application (X) 200'-X, a part different from the payment application 200 of the first embodiment and each processing unit will be described.

The store search unit 203'in FIG. 13 searches the store from the store DB 230' according to the conditions, but first checks the bank code 1501 of each record of the store DB 230'. For records of stores whose bank code is Bank X, the store is searched, and for records of stores whose bank code is not Bank X, access restriction 1502 is checked and reading by the payment application (X) is permitted. Only the stores of the records that have been recorded are searched.

The payment application (X) 200'-X communication processing unit 204' communicates with the store application (X) supplied by the X bank, but in addition, the store application (Y) supplied by another bank. You can also communicate with the bank app (Z) and send and receive necessary information. The communication processing unit 204'can identify whether it is communicating with the store application (X) or other store applications by the store application name or identifier.

Similarly, the store app (X) also communicates with the communication processing unit 204'of the payment app (X) 200'-X, but in addition, the payment app (Y) 200'-Y supplied by another bank. It can also communicate with the communication processing unit 204'and the communication processing unit 204' of the payment application (Z) 200'-Z to send and receive necessary information. Whether the store application (X) is communicating with the payment application (X) or other payment applications can be identified by the payment application name or identifier.

Therefore, in the store application (X), whether or not the customer is using the user application (X) when exchanging information with the customer via the payment application as shown in FIGS. 8B, 8C, 8D, for example, a screen. The color of the background of the store may be changed so that the store clerk can identify it.

The communication processing unit 204'and the provisional settlement processing unit 206' in FIG. 13 create a record of the settlement management ID 240'when communication with the user application and the shop application starts. As shown in FIG. 16, FIG. Compared with the settlement management ID 240 shown in 5, the bank code 1601 of the user's bank (X), the bank code 1602 of the store bank (Y), and the interbank flag 1603 are added. The bank code 1601 matches the bank code of the payment application provider. The interbank flag 1603 is 0 when the user and the store use the same bank, and 1 when the user and the store use different banks. The transaction record DB 250'has the same data structure as the payment management DB 240'. Each record of the settlement management DB 240'is stored for a certain period of time even after the settlement is completed until the processing of the interbank settlement is completed.

The temporary settlement processing unit 206'in FIG. 13 creates fund transfer data (FIG. 9) from the user's X bank account to the X bank's centralized account and transmits it to the real-time GW7. Since the user account information 92 of the fund transfer data includes the bank code, it can be handled with the same data structure as in the first embodiment.

On the other hand, the distribution of the deposit is performed by the deposit distribution section of the payment application provided by the bank used by the store. For example, the distribution of the deposit to the B store is performed by the deposit distribution unit 208'of the payment application (Y) 200'-Y. FIG. 10 shows the deposit distribution process of the first embodiment, but the same process is performed in the present embodiment as well. A part different from the first embodiment will be described. In step 1001, the store ID having the bank code 1501 of the Y bank and having the deposit distribution date today is extracted from the store DB 230'(FIG. 15). The distribution is calculated for those store IDs.

In step 1002, a record in which the bank code 1602 is the bank code of Y bank and the store ID 53 is the store ID extracted in step 1001 is extracted from the settlement management DB 240'(FIG. 16).

In step 1003, the settlement amount of the record extracted in step 1002 is calculated. Regarding the fee, the interbank flag 1603 of the settlement management DB 240'and the fee code 1503 of the store DB 230' are calculated as "100 yen per settlement", and the distribution is determined by subtracting it from the settlement amount. The fee may be charged to the store from the bank that uses the store at another timing or by adding up the fees for settlement for a certain period.

In step 1004, an account transfer is performed from the bank account of Y bank to the bank account of store B. That is, the account transfer data (FIG. 11) is created and transmitted to the real-time GW7. Since the account transfer data (FIG. 11) includes the bank code in the store account information 1102, it can be handled with the same data structure as in the first embodiment.

Interbank settlement will be described.
The wallet server 4'has an interbank settlement processing unit 1301. The interbank settlement processing unit 1301 is also realized by the processor executing a software program like other processing units. The interbank settlement processing unit 1301 is activated, for example, once a day at a fixed time.

FIG. 17 is a flowchart showing the processing of the interbank settlement processing unit 1301. Here, it is assumed that the bank X whose bank code is 0001 is the secretary settlement bank. The interbank settlement processing unit 1301 determines whether each bank has "overreceived" or "overpaid" the funds related to the settlement, and sends the computer system of the secretary settlement bank, X Bank, together with the excess and deficiency amounts. Notice.

<Step 1701> With reference to the provisional settlement date and time 54 of each record of the settlement management DB 240'(FIG. 16) and the interbank flag 1603, the settlement record between different banks performed on the previous day is extracted from the settlement management DB 240'. ..

<Step 1702> The following processing is repeated for each bank code i. The same processing is performed for the bank code 0001 of Bank X, which is the secretary settlement bank.

<Step 1703> Of the records extracted in step 1701, the settlement amounts 55 of the records whose payment source bank code 1601 is i are added together to obtain TOTAL1 (i).

<Step 1704> Of the records extracted in step 1701, the settlement amount 55 of the record whose payee's bank code 1602 is i is added up to obtain TOTAL2 (i).

<Step 1705> TOTAL1 (i) -TOTAL2 (i) = SUB (i) is calculated and sent to the computer system of Bank X, which is the secretary settlement bank, together with the details created from the records processed in steps 1703 and 1704. .. The statement may be sent at another time. In addition, the SUB (i) and details of all banks may be sent together to the computer system of Bank X.

The computer system of Bank X, which is the secretary settlement bank, performs interbank settlement with the bank whose bank code is i according to the received SUB (i) by the interbank replacement process by the Zengin Net miscellaneous exchange. .. Specifically, when the notified SUB (i) is positive, the computer system of the bank X charges the computer system of the bank whose bank code is i for the SUB (i) and is notified. When the SUB (i) is negative, the absolute value of the SUB (i) is transferred (transferred) to the computer system of the bank whose bank code is i. At this time, the interbank settlement processing unit 1301 calculates the fee for the interbank settlement, and together with (or offsets) the SUB (i), the interbank settlement with the bank whose bank code is i. You may perform the calculation for.

The fee will be explained. The fee charged to the store is agreed in advance by a contract (for example, 100 yen per settlement), and is recorded in the fee code 1503 of the store DB 230'. If the user's bank and the store's bank are the same, the user's bank receives 100% of the fee (contract fee) collected from the store. If the user's bank and the store's bank are different, the fees collected from the store will be divided by the two banks involved. For example, in FIG. 12, when the user a makes a purchase at the store B, the fee of 100 yen collected from the store B is divided between the X bank and the Y bank, and the ratio is determined by the contract. For example, Bank X costs 30 yen and Bank Y costs 70 yen. Therefore, Bank Y must pay Bank X 30 yen out of the fee collected from Store B. The amount received by the bank for the fees related to each settlement is the value obtained by adding the bank's share (%) to the contract fee. In another example, the fee paid by Bank Y to Bank X may be fixed.

An example of the interbank settlement processing unit 1301 to which the fee calculation processing is added is shown.
In step 1703, the interbank settlement processing unit 1301 further calculates the fee C1 (i) to be received by the bank of the bank code i for the record whose payment source bank code is i by the above method. Similarly, in step 1704, for a record whose payee bank code is i, the fee C2 (i) payable by the bank of bank code i is calculated by the method described above.

In step 1705, SUB (i) -C1 (i) + C2 (i) may be notified to the computer system of the secretary settlement bank instead of the above-mentioned SUB (i).

The following modification is also possible.
(1) The wallet server 4'may be configured by a plurality of computers and a plurality of processors, and the plurality of payment applications 200' may be distributed and processed by different computers and processors.
(2) The databases DB 220', 230', 240', 250' in the wallet server 4'may be set to be separately provided for each bank.
(3) If the bank of the user and the bank of the store are different, restrictions may be set on the application of discount processing and the disclosure of customer information to the store.
(4) Another computer may be connected to the wallet server 4'so that the payment record DB 240'can be accessed from the other computer, and the above-mentioned interbank payment processing may be performed on the other computer.
(5) The fees charged to each store and the fees charged to each bank in interbank settlement may differ from store to store and from bank to bank.

Both users and stores can use the payment system to pay for their daily shopping and services using existing hardware and networks.

Although the above description has been made for Examples, it will be apparent to those skilled in the art that the present invention is not limited thereto and various modifications and modifications can be made within the scope of the spirit of the present invention and the appended claims.

1 ... Customer terminal 2 ... Store terminal 3 ... Internet 4 ... Wallet server 5 ... Dedicated line 6 ... Dedicated network 7 ... Real-time speech GW
8 ... Bank computer system 200 ... Payment application 201 ... Authentication unit 202 ... Account balance confirmation unit 203 ... Store search unit 204 ... Communication processing unit 205 ... Discount processing unit 206 ...・ ・ Temporary settlement processing unit 207 ・ ・ ・ Receipt issuance processing unit 208 ・ ・ ・ Deposit distribution unit 220 ・ ・ ・ Customer DB
230 ・ ・ ・ Store DB
240 ・ ・ ・ Payment management DB
250 ... Transaction record DB
1301 ・ ・ ・ Interbank settlement processing department

Claims (13)

It's a payment system
A real-time fund transfer system that performs real-time payment between a bank account and a centralized bank account,
Including a wallet server connected to a customer terminal and a store terminal, and connected to the real-time fund transfer system.
The wallet server
Includes a customer database in which customer bank account information is registered in advance and a store database in which store store information and bank account information are registered in advance.
The wallet server
Identify the customer who uses the customer terminal and
By the operation on the customer's terminal, the payee store is identified and
Receive the billing amount from the payment destination store terminal, determine the payment amount,
Obtain the customer's bank account information from the customer database and
Creates account transfer data for withdrawing the payment amount from the customer's bank account and depositing it into the summary bank account, and sends it to the real-time fund transfer system, as well as the identifier of the payee store and the payment amount in the payment database. Remember in
At a predetermined timing, the extracts from the settlement data base record including an identifier of the same payee store, summing the settlement amount of money that has been recorded there,
Obtain the bank account information of the payee store from the store database,
Creates account transfer data for depositing the total payment amount from the bank account to the bank account of the payee store, and sends it to the real-time account transfer system.
A payment system characterized by that. The payment system according to claim 1.
The wallet server, the customer terminal, and the store terminal are connected via the Internet.
A payment system in which the wallet server and the real-time fund transfer system are connected by a dedicated line. The payment system according to claim 1.
The wallet server further
After transmitting the fund transfer data for withdrawing the settlement amount from the customer's bank account to the real-time fund transfer system, the fund transfer result is received from the real-time fund transfer system.
If the account transfer is successful, a receipt including the store information and the billing amount is created and sent to the customer terminal.
Payment system. It ’s a wallet server,
Connected to a real-time fund transfer system that makes real-time payments between a bank account and a centralized bank account, and connected to a customer terminal and a store terminal
Includes a customer database in which customer bank account information is registered in advance and a store database in which store store information and bank account information are registered in advance.
Identify the customer who uses the customer terminal and
By the operation on the customer's terminal, the payee store is identified and
Receive the billing amount from the payment destination store terminal, determine the payment amount,
Obtain the customer's bank account information from the customer database and
Creates account transfer data for withdrawing the payment amount from the customer's bank account and depositing it into the summary bank account, and sends it to the real-time fund transfer system, as well as the identifier of the payee store and the payment amount in the payment database. Remember in
At a predetermined timing, the extracts from the settlement data base record including an identifier of the same payee store, summing the settlement amount of money that has been recorded there,
Obtain the bank account information of the payee store from the store database,
Creates account transfer data for depositing the total payment amount from the bank account to the bank account of the payee store, and sends it to the real-time account transfer system.
A wallet server that features that. The wallet server according to claim 4.
A wallet server that is connected to the real-time fund transfer system by a dedicated line and is connected to the customer terminal and the store terminal via the Internet. The wallet server according to claim 4.
Further, after transmitting the fund transfer data for withdrawing the settlement amount from the customer's bank account to the real-time fund transfer system, the fund transfer result is received from the real-time fund transfer system.
If the account transfer is successful, a receipt including the store information and the billing amount is created and sent to the customer terminal.
Wallet server. The wallet server according to claim 6.
Further, the result of withdrawal from the real-time fund transfer system is stored in the settlement database.
Wallet server. The wallet server according to claim 4.
When you receive an application for privilege use from the customer terminal,
According to a predetermined formula, the discount amount according to the privilege is calculated from the billed amount.
The amount discounted from the billed amount is used as the settlement amount used for the account transfer data.
Wallet server. It's a payment system
A real-time fund transfer system that connects to the computer systems of multiple banks and makes real-time payments between the same bank account and the coordinating account.
Including a wallet server connected to a customer terminal and a store terminal, and connected to the real-time fund transfer system.
The wallet server
A customer database in which customer bank account information is registered in advance,
A store database in which store information and bank account information are registered in advance,
Includes a payment management database that records and manages payments made between customers and stores
The wallet server
Identify the customer who uses the customer terminal and
By operating on the customer's terminal, the payee store is identified and
Receive the billing amount from the payment destination store terminal, determine the payment amount,
Obtain the bank account information of the identified customer from the customer database,
Obtain the bank account information of the identified store from the store database,
The customer's bank account information, the store's bank account information, and the payment information including the payment amount are recorded in the payment management database.
The settlement amount is deducted from the identified customer's bank account, account transfer data for depositing to the same bank as the identified customer's bank account is created, and transmitted to the real-time account transfer system.
In the first timing which is determined in advance, the settlement to extract a payment settlement records from the management data base to the same store, a distribution paid to the store determined by summing the settlement amount of money that has been recorded there, Create account transfer data for depositing the determined distribution to the bank account of the store from the bank account of the same bank as the bank account of the store, and send it to the real-time account transfer system.
In the second of timing that is determined in advance, from the settlement management data base, extracting a settlement record banks belonging to the bank accounts of the bank and the store belonging to the customer's bank account is different, for each bank, belongs to the customer's bank account bank Is the sum of the settlement amounts recorded in the record of the bank, and the bank to which the bank account of the store belongs is the sum of the settlement amounts recorded in the record of the bank, and the difference between the combined results is taken. , Send to the secretary settlement bank's computer system,
A payment system characterized by that. The payment system according to claim 9.
The computer system of the secretary settlement bank that receives the difference in the total result from the wallet server performs interbank settlement with the computer system of each bank according to the difference in the total result.
Settlement system. The payment system according to claim 9.
The wallet server, the customer terminal, and the store terminal are connected via the Internet.
A payment system in which the wallet server and the real-time fund transfer system are connected by a dedicated line. The payment system according to claim 9.
A payment system in which, when the bank to which the customer's bank account belongs and the bank to which the store's bank account belongs are different in each payment, the wallet server calculates the fee collected from the store so that both banks divide the fee. The payment system according to claim 12.
A payment system in which the wallet server transmits the amount of interbank settlement to the computer system of the secretary settlement bank based on the difference in the total result and the fee to be separated.