JP2002083129A - Settlement processing method based on transfer, settlement system, and storage medium - Google Patents

Abstract

PROBLEM TO BE SOLVED: To allow a purchaser to surely transfer money for payment to a seller by means of a simple operation. SOLUTION: After a trade is temporarily made between the purchaser 12 and the seller 13, the purchaser 12 uses an IC card 20 for transferring money through an ATM 42 of an affiliated bank 14. In this process, when the data of the IC card 20 are read by means of the ATM 42, retrieval is carried out in a host computer 40 in the bank according to the data, and trade information between the purchase 12 and the seller 13 transmitted from the seller side to the bank side host computer 40 after temporarily-made trade so as to be stored as a transfer schedule data is retrieved so as to be displayed on the ATM 42. The purchaser 12 observes this display so as to check the trade contents. According to a signal of this check, transfer is carried out.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] The present invention relates to payment of a transaction made between a buyer and a seller by using a storage medium in which information of the buyer is stored, or by using the buyer and the seller. The present invention relates to a payment processing method, a payment processing system, and a storage medium used in the payment processing method, which are performed by a transfer from an affiliated financial institution terminal by using the shared identification information shared between the terminal and the financial institution.

[0002]

2. Description of the Related Art In recent years, due to diversification of consumer needs and development of communication technology, new mail-order sales and net sales utilizing the Internet have been spotlighted.

[0003]

However, in this mail-order sales and online sales, the settlement is basically made by credit card payment, and the credit card number is read out verbally by a communication means such as a telephone. There is a problem. In addition, computer operations are indispensable in online sales, so it is not always common to many consumers.In addition, since information is transmitted to cyberspace used by an unspecified number of Internet users, security is achieved by encryption. It is the current situation that the problem remains even if it is raised.

[0004] On the other hand, it is a general method to transfer the payment using a cash card or the like from an ATM (Automatic Teller Machine) of a financial institution such as a bank, a post office, and a convenience store. are doing. However, in the conventional ATM operation, the transfer amount,
Very complicated operations such as designating a bank and a transfer account are required, and it is not a convenient payment method for many consumers unfamiliar with the operation of machines. Also, there is a risk that the transfer amount will be incorrectly transferred,
In such a case, a post-payment settlement process is required, which is troublesome.

The present invention has been made in view of the above problems, and has been made in consideration of the payment of a transaction made between a purchaser and a seller using a storage medium in which information of the purchaser is stored, and / or Alternatively, by inputting the shared identification information shared between the buyer and the seller into the affiliated financial institution terminal, when making a transfer from the affiliated financial institution terminal by transfer, the buyer can definitely do it with simple operation. It is an object of the present invention to provide a payment processing method and a payment processing system that can be performed, and a storage medium used in the payment processing method.

[0006]

In order to achieve the above object, according to the first aspect of the present invention, payment of a transaction made between a buyer and a seller is made by the buyer. A payment processing method performed by transfer from an affiliated financial institution terminal using a storage medium in which information is stored, wherein at least transaction information with the purchaser after provisional conclusion between the buyer and the seller is established. Transmitting a part of the transaction information to the financial institution side computer under the management of the financial institution in association with the purchaser information stored in the storage medium of the purchaser; Storing at least a portion of the transaction information transmitted in association with the seller information in association with the seller information, and when the purchaser information is read using a storage medium in the financial institution terminal, The gold From the institution side computer, based on the purchaser information, extract at least a part of the corresponding transaction information of the corresponding transaction information, display the extracted information on the financial institution terminal, and input a confirmation signal to the purchaser. Prompting,
Receiving the purchaser's confirmation signal and performing a payment processing of the price to the seller.

According to a second aspect of the present invention, in the first aspect, after the provisional establishment of the transaction between the buyer and the seller, the transaction information with the buyer is transferred to the seller side under the seller management. Inputting the transaction information into the computer and storing the transaction information in association with the purchaser information; and receiving the purchaser's confirmation signal and transmitting a confirmation signal from the financial institution terminal to the seller's computer. And receiving the confirmation signal and recording at least a part of the transaction information on the storage medium via the financial institution terminal.

[0008] The invention according to claim 3 is a settlement processing method in which payment of a transaction made between a purchaser and a seller is performed by transfer from an affiliated financial institution terminal used by the purchaser. Then, after the provisional transaction between the buyer and the seller is established, the buyer and / or the seller shares at least part of the transaction information of the transaction information with the buyer with the buyer and / or the seller. Transmitting to the financial institution side computer under the management of the financial institution in association with the information to be specified (hereinafter referred to as “shared specific information”); Storing at least a portion of the transaction information in association with the seller information, and when the shared identification information is input at the financial institution terminal, from the financial institution side computer, based on the shared identification information Extracting at least a part of the corresponding transaction information, displaying the extracted information on the financial institution terminal, prompting the purchaser to input a confirmation signal, and receiving the purchaser's confirmation signal. And performing a payment processing to the seller.

[0009] The invention according to claim 4 is the invention according to claims 1 to 3.
In the method according to any one of the above, at least a part of the transaction information stored in the financial institution side computer includes transaction information.

[0010] The invention according to claim 5 provides the invention according to claims 1 to 4.
In the method according to any one of the above, after a provisional transaction between the buyer and the seller is completed, transaction information with the buyer is input to a seller-side computer under seller management, and the transaction information is entered. The method further includes a step of storing the information in association with the purchaser information, and a step of, after the payment processing, receiving a payment notification from a financial institution and performing the accounting processing on the seller-side computer.

[0011] According to the invention described in claim 6, payment of a transaction made between the buyer and the seller is performed by using an associated financial institution terminal using a storage medium in which information of the buyer is stored. A payment processing system by transfer, in which transaction information of a transaction temporarily established between a purchaser and a seller is stored, and the transaction information is associated with purchaser information stored in a storage medium of the purchaser. Storing and transmitting at least a part of the transaction information in association with the purchaser information, a seller-side storage / transmission unit under the seller management, and transmitted in association with the purchaser information. At least a part of the transaction information is stored in association with the seller information, the financial institution-side transmission / reception / storage means under the control of the financial institution, and the buyer information is read from the storage medium of the buyer. , Extracting at least a part of the transaction information of the corresponding transaction information from the financial institution side transmission / reception / storage means based on the purchaser information, displaying the extracted information, and prompting the purchaser to input a confirmation signal; The system includes a financial institution terminal and a payment processing means for receiving a purchaser's confirmation signal and performing payment processing of the price to the seller.

According to a seventh aspect of the present invention, in the system of the sixth aspect, upon receipt of the purchaser's confirmation signal, the financial institution terminal sends the confirmation signal to the seller's storage / transmission means. The seller-side storing / transmitting means receives the confirmation signal and records at least a part of the transaction information in a storage medium via the financial institution terminal.

[0013] The invention according to claim 8 is a settlement processing system for performing payment of a transaction made between a purchaser and a seller by a transfer from a financial institution terminal used by the purchaser. , Store the transaction information of the transaction in association with the transaction shared by the buyer and the seller and / or information for identifying the buyer (hereinafter, “shared specific information”), and at least a part of the transaction information. Transmitting the information in association with the shared specific information, the seller-side storage / transmission means under the seller management, and at least a part of the transaction information of the transaction information transmitted in association with the shared specific information, Based on the financial institution-side transmission / reception / storage means under the management of the financial institution, which is stored in association with the seller information, and based on the shared identification information input from the buyer, the financial institution-side transmission / reception /
The financial institution terminal which extracts at least a part of the transaction information of the corresponding transaction information from the storage means, displays the extracted information, and prompts the purchaser to input a confirmation signal; and Payment processing means for receiving and performing a payment processing of the price to the seller.

[0014] The invention according to claim 9 is the invention according to claims 6 to 8.
In the system according to any one of the above, at least a part of the transaction information stored in the financial institution side transmitting / receiving / storing means includes information on a price.

According to a tenth aspect of the present invention, in the system according to any one of the sixth to ninth aspects, after receiving the payment notification from a financial institution after the payment processing, the seller-side storage / transmission means is provided. Is to perform accounting processing upon receipt of a payment notification from a financial institution after the payment processing.

An eleventh aspect of the present invention is characterized by a storage medium used in the settlement processing method according to the first or second aspect.

According to a twelfth aspect of the present invention, there is provided a storage medium capable of depositing and withdrawing cash through the financial institution terminal according to the eleventh aspect.

In the first aspect of the present invention, after a transaction is provisionally established between the purchaser and the seller, the purchaser uses the storage medium to transfer the payment at the affiliated financial institution terminal. Do. At this time, when the financial institution terminal reads the purchaser information in the storage medium, the purchaser information is retrieved by the financial institution side computer (financial institution transmission / reception / storage means), and after the provisional transaction is established, At least a part of the transaction information between the purchaser and the seller stored in the financial institution side computer (financial institution transmission / reception / storage means) is called and displayed on the financial institution terminal.

Alternatively, in the second aspect of the present invention, after the transaction is provisionally established between the buyer and the seller, the buyer associates the shared identification information shared between the buyer and the seller. To the financial institution terminal, and the payment is made by the financial institution terminal. At this time, the financial institution's computer (financial institution's transmission / reception / storage means) retrieves from the shared identification information, and purchases stored in advance in the financial institution's computer (financial institution's transmission / reception / storage means) after the provisional transaction is established. At least a part of the transaction information between the seller and the seller is called and displayed on the financial institution terminal.

In any of the embodiments, the purchaser confirms the transaction content by looking at the display, and for example, approves the account transfer or puts cash into the terminal of the financial institution, and sends the confirmation signal to the financial institution terminal. It can be input to the institution terminal. The transfer processing is performed according to the confirmation signal. Here, the transfer process has a broad meaning including both the transfer process and the transfer process. According to the method or system of the present invention, if the information in the storage medium is read by the financial institution terminal or the shared specific information is input to the financial institution terminal, the purchaser can obtain at least a part of the transaction information. Can be confirmed in the financial institution terminal, and the settlement of the transaction can be requested or instructed, so that the payment can be made easily and safely. Also,
It is also possible to avoid occurrence of a mistake in the transfer amount.

The information transmitted from the seller to the financial institution computer (financial institution transmitting / receiving / storing means) after the provisional transaction is completed is all the transaction information between the buyer and the seller. Alternatively, it may be a part of the information, but it is preferable that the information includes at least information on the price. In addition to the information related to the price, transaction specification information for specifying a transaction, information on a payment method for identifying whether to use cash transfer or account transfer, and the like can be exemplified. The purchaser information associated with the transmitted transaction information is, for example, at least one of an identification number uniquely assigned to the purchaser or the storage medium, the purchaser's name, the purchaser's account number, and the like. Can be exemplified. In addition, the shared identification information can be exemplified by a unique number or symbol that identifies a transaction or a unique number or symbol that identifies a purchaser. Also,
The seller information stored in the financial institution side computer (financial institution side transmission / reception / storage means) in association with at least part of the transaction information is, for example, an identification number uniquely assigned to the seller. , Merchant name,
At least one of the seller's account number and the like can be exemplified.

The computer on the financial institution side and the computer on the seller side can each be constituted by a single device or a plurality of devices. In addition, the financial institution side transmission / reception / storage means can use various devices including a single or a plurality of computers. They may be closely coupled to each other or as a whole, or may be connected to each other. In addition, the seller-side storage / transmission means can use various devices including a single computer or a plurality of computers. Also,
either will do. In addition, the financial institution terminal can use various devices including a computer and a computer terminal. The input unit and the display unit may be separated from each other or may be closely coupled to each other. . Further, as the payment processing means, a computer, other devices, and the like, which are usually used for settlement of a financial institution, are used.

The financial institution may be any institution that can perform a transfer process, such as a bank or a post office.

When the transfer operation is completed at the financial institution,
The payment notification is sent to the seller, and the seller computer (seller storage / transmission means) can receive the payment notification and perform accounting processing on the stored transaction information.

When the purchaser inputs a confirmation signal at the financial institution terminal and transmits it to the financial institution side computer (financial institution transmitting / receiving / storage means), the financial institution side computer (financial institution) A confirmation signal is transmitted from the institution-side transmitting / receiving / storing means) to the seller-side computer (seller-side storing / sending means). Based on this, at least the transaction information is transmitted from the seller-side computer (seller-side storing / sending means). A part of the information can be transmitted to the financial institution terminal, and can be recorded on the storage medium of the purchaser via the financial institution terminal. At this time, the transaction information can be transmitted to the financial institution terminal via a separate communication line with or without the financial institution side computer (the financial institution side transmission / reception / storage means). Thus, a record of the transaction and the like can be left on the storage medium of the purchaser. In some cases, the recording medium itself can be a certificate. As another mode, all the transaction information is transmitted from the seller's computer (the seller's storage / transmission means) to the financial institution's computer (the financial institution's transmission / reception / storage means) and stored in advance. It is also conceivable that a computer (financial institution side transmitting / receiving / storing means) receives the confirmation signal and records the stored transaction information on a storage medium via a financial institution terminal. As for information that is not desired to be leaked to the outside, but is desired to be recorded in the storage medium of the purchaser, immediately after the purchaser performs the transfer processing at the financial institution terminal, the terminal of the financial institution It is more preferable to record such information via a.

The above storage medium is used not only for performing the transfer of this transaction, but also for depositing cash from a financial institution terminal,
It can also be used as a storage medium for a financial institution for performing withdrawal and the like. Further, the storage medium is not limited to a medium that can be read and written by the financial institution terminal, but may also include a medium that is read-only by the financial institution terminal. The storage medium can be any one of a magnetic recording medium, an optical recording medium, a magneto-optical recording medium, and a semiconductor card such as an IC card or a miniature card.

[0027]

Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is a block diagram showing the overall configuration of a system for implementing the system of the present invention and the method of the present invention. In FIG. 1, reference numeral 12 denotes a purchaser, 1
Reference numeral 3 denotes a seller who makes a transaction with the purchaser 12 and provides goods or services, and receives a payment from the purchaser 12. Is represented. The purchaser 12 has an IC card 20 as a storage medium in which information of the purchaser is stored.
3. Issued by partner bank 14 or other institutions. In particular, if issued by a public agency, it is preferable to sell items whose identity is important, such as life insurance.

The seller 13 responds to a call from the purchaser 12 and has a call center 30 on which a call center employee 36 who conducts a transaction with the purchaser 12 by telephone is provided. It includes a call center terminal 32 and a host computer 34 connected to the call center terminals 32 via a network and on which data from each call center terminal 32 is accumulated.

The affiliated bank 14 is connected to a host computer 40 and a network with the host computer 40, and has an automatic teller machine (hereinafter, referred to as a branch) 43 disposed at each branch or convenience store (hereinafter referred to as a branch). (Hereinafter simply referred to as ATM) 42 is provided. In this embodiment, the ATM functions as a financial institution terminal, but the present invention is not limited to this, and a dedicated terminal can be provided.

In the present embodiment, a description will be given of an insurance contract transaction for an insurance contract as an example. In this case, the purchaser 12 becomes an insurance applicant and the seller 13 becomes an insurance company. However, the present invention is not limited to such insurance services, and for the sale of all products and services,
Of course, it can be applied.

It is assumed that the insurance applicant 12 is an existing contractor (or customer) of the insurance company 13 and that the insurance applicant 1
The IC card 20 owned by 2 can be, for example, an insurance company and partner bank shared card. FIG. 2 shows a configuration example of the IC card 20. The IC card 20 can also be used as a general bank IC card. A bank IC chip 20a is embedded on one side of the IC card 20, and a bank magnetic stripe 20b is provided. On the other side, symmetrically, the IC chip 2 for the insurance company
0c is buried and its insurance company magnetic stripe 20d
Is provided. Examples of customer information (purchaser information) stored in the bank IC chip 20a include a name, an address, a date of birth, a card number, a customer number, a telephone number, an account number, a transaction statement, and the like. Similarly, data stored in the insurance company IC chip 20c and / or the insurance company magnetic stripe 20d include a contractor name, a date of birth, a customer number, a card number common to partner banks, a postal code, and an address. , Home phone number, work phone number, customer information (buyer information), existing insurance contract information (insurance type, securities number, insurance period, insurance purpose details, security details, etc.), insurance payment record (Insurance type, security number, claims, payment amount, payment date, etc.) and transaction information of the transaction details with the insurance company can be exemplified. In the example of FIG. 2, the bank magnetic stripe 20b and the insurance company magnetic stripe 20d are provided, and the bank IC chip 20a and the insurance company IC chip 20c are provided. However, the present invention is not limited to this. It is also possible to provide a single stripe and / or a single IC chip, which can be shared by banks and insurance companies.

FIG. 3 is a functional block diagram of the call center terminal 32 and the host computer 34.
The call center side terminal 32 includes a host computer 34.
A communication unit 320 that communicates with the customer, an insurance premium calculation unit 322 that performs insurance premium calculation, an input unit 324 that inputs information from the applicant, and an applicant information storage unit 326 that temporarily records the information. , And a display unit 327.

The host computer 34 includes a communication unit 340 that communicates with the call center side terminal 32 and the partner bank 14, a database unit 341 that stores contract data of the contractor, records of exchanges with the applicant, and the like. When there is an application, a product database unit 348 in which detailed data on insurance products is stored, a card database unit 349 in which data on the IC card 20 held by the contractor (or the applicant) is stored as necessary. To
It has a reception number generation unit 342 that issues the reception number, a search unit 344 that searches the database units 341, 348, and 349, and an accounting processing unit 346 that performs accounting processing.

FIG. 4 is a functional block diagram of the host computer 40 of the partner bank 14 and the ATM 42.
In the host computer 40 of the partner bank, a communication unit 400 that communicates with the host computer 34 and the ATM 42 of the insurance company, a database unit 401 that stores scheduled transfer data and the like transmitted from the insurance company 13 side, and a transfer source account ( An account confirmation unit 402 for confirming an insurance applicant account) and a transfer destination or a transfer destination account (insurance company account), a transfer execution unit 403 for executing a transfer or cash transfer, and an insurance company 13 which is a transfer destination or a transfer destination And a payment notifying unit 404 for giving a payment notification to the user.

The ATM 42 includes a communication unit 420 for communicating with the host computer 40, a control unit 421 for controlling the operation of the ATM 42, a card reading unit for reading data in the IC card 20 and writing data in the IC card 20. / Writing unit 422, a cash receiving unit 423 that receives cash and transfers cash of change, a statement issuing unit 424 that issues a transaction statement after a transfer is performed, and displays operation guidance, transaction content, and the like. And a display 425 with a touch panel for performing the following. As the screen to be displayed on the display 425 with a touch panel, a plurality of screens are prepared according to each situation.

Next, an insurance application procedure will be described with reference to FIGS.

1-1) In the conventional insurance application, face-to-face sales were mainly performed by qualified insurance agents.
In recent years, mail-order sales and net sales utilizing the Internet have come into the spotlight. However, the operation of a computer is indispensable in online sales, so it is not common for many insurance applicants. Therefore, in this embodiment, a telephone application is considered.
However, it is not limited to application by telephone, but ISD
If a telephone and other communication means (especially other than voice) such as the N connection are used in combination, the communication between the buyer and the seller becomes better, and the presentation of detailed conditions becomes easier. It is possible.

[0038] The call center 30 is a "consultation reception desk for consumers regarding insurance application", and the insurance applicant 12 calls the call center 30 to consult the application. Here, in this embodiment, I
Since it is intended for the insurance applicant 12 who owns the C card 20, the call center 30 is newly applied by an applicant who does not own the IC card 20 and a person who owns the IC card 20 (new application). (Including transfers and maturities)
It is also possible to divide with those who perform. Insurance applicant 1
The call center personnel 36 of the call center 30 responding to the telephone call from 2 is a qualified person under the "Insurance Recruitment Law" and mainly performs the following actions.

1-1-1) Response to Inquiry / Inquiry of Existing Contract Contents from Applicant The name of the insurance applicant 12 or other data is input from the input section 324 of the call center terminal 32, and the host computer 34 is entered.
Is made to perform a search using these data as a key. The search unit 344 includes a database unit 341
The content of the contract that meets the conditions is extracted and data is returned to the call center side terminal 32. The call center personnel 36 notifies the insurance applicant 12 by telephone while confirming the result on the screen of the call center side terminal.

1-1-2) Description of Desired Product The description of the product desired by the insurance applicant 12 can be made by the expertise of the call center personnel 36. The product information stored in the product database 348 of the host computer 34 can be extracted and performed. Also, at the same time,
If there is a mail order special insurance, etc., the explanation can be given.

1-1-3) Trial calculation and consultation of insurance premiums The condition that the call center staff 36 heard from the insurance applicant 12 by telephone is input from the input section 324 of the call center side terminal 32, and the function of the insurance premium trial calculation section 322 is performed. Is used to make a trial calculation of the insurance premium, the result is communicated to the insurance applicant 12 by telephone, and a consultation is performed (step S1).
00).

1-1-4) Collection and Input of Information Required for Insurance Application When the insurance applicant 12 selects an insurance contract desired by himself and decides to apply for an insurance contract, the call center personnel 3
6 collects data necessary for applying by telephone from the insurance applicant 12 by telephone. At this time, please make a cash transfer,
Or, check if it is an account transfer and check the card number. Then, the collected application data and transaction record data to be recorded are input as "transaction information" from the input unit 324 of the call center side terminal 32, and transmitted to the host computer 34 together with the purchaser information (step S10).
2). If the purchaser information has not been input before that, it is input together with the transaction information from the input unit 324 and transmitted to the host computer 34.

1-1-5) Issuance of reception number etc. When the host computer 34 receives the application data,
The reception number generating unit 342 issues a number and / or a symbol (hereinafter, “reception number etc.”) and sends it to the call center terminal 3.
Return to 2. The call center personnel 36 who sees the notification transmits the reception number and the like to the insurance applicant 12 by telephone (and / or other communication means).

1-2) In this way, the intention to apply by telephone, the purchaser information, and the transaction information including the application data and the transaction record data to be recorded are determined, and when the transaction is provisionally completed, the insurance company 13 performs the following processing. I do.

1-2-1) Storing of transaction information The host computer 34 stores transaction information including application data and transaction record data to be recorded together with the reception number issued by the reception number generator 342 in the database 34.
1 (step S104). This transaction information
It is stored in association with a card number which is one of customer information (purchaser information) stored in the IC card 20 of the insurance applicant 12. The card database unit 34
9, the account number or the like may be referred to using the card number as a key, and the account number or the like may be stored as purchaser information in association with the transaction information.

1-2-2) Transmission of Information Provided to Financial Institutions to Partner Bank 14 Next, the host computer 34 of the insurance company 13 transfers the insurance premium (transfer) from the transaction information and card information, that is, the purchaser information. ), Information such as the name, insurance premium, card number, receipt number, etc., account number, payment method, etc. (hereinafter referred to as information provided to financial institutions), together with seller information of insurance company 13 The data is transmitted to the host computer 40 of the bank 14 (step S106).
Here, if the transfer destination account data of the insurance company 13 is not registered in the partner bank 14 in advance, the transfer destination or transfer destination account data recorded in the host computer 34 is also used as host information as seller information. Computer 4
Send to 0.

1-3) In the host computer 40,
Based on the information provided for the financial institution, the following processing is performed to prepare for the transfer processing from the insurance applicant 12.

1-3-1) Confirmation of transfer source and transfer destination account information The account confirmation unit 402 of the host computer 40 checks the account of the insurance applicant 12 to be the transfer source and the insurance company that is the transfer destination or transfer destination Thirteen accounts are confirmed. After the confirmation, if the account number of the insurance applicant 12 is incorrect, etc., the insurance company 13 is immediately contacted.

1-3-2) Storage of Information Provided for Financial Institutions Information provided for financial institutions from the insurance company 13 is stored in the database unit 401. The provided information for the financial institution is stored in association with the seller information of the insurance company 13 that is the seller (step S108). What is seller information?
It can be the name, code, or bank account of the insurance company. These data are stored as transfer schedule data in a manner distinguished from other data. After the storage, the host computer 40 waits for the purchaser information from the ATM 42 (step S110).

1-4) At a later date, the insurance applicant 12 goes to the branch 43 of the partner bank 14 together with the IC card 20 and
The following processing is performed between the TM 42 and the insurance applicant 12 or the IC card 20.

1-4-1) The ATM 42 displays an initial screen as shown in FIG. Insurance applicants 12
In order to read the magnetic stripe 20 d for the insurance company and the IC chip 20 c for the insurance company of the card 20,
The C card 20 is inserted into the card reading / writing unit 422 of the ATM 42.
And select the menu of “4. Affiliate card” on the screen.

1-4-2) Card reading / writing section 422
Is the magnetic stripe 20d for the insurance company of the IC card 20
And the customer information of the insurance company IC chip 20c is read. This reading may be performed immediately after the IC card 20 is inserted into the card reading / writing unit 422, or may be performed after the menu of “4. Cooperation card” is selected, or input of a personal identification number or the like. May be performed before or after the input of the personal identification number or the like. When the customer information (purchaser information) in the IC card 20 is read, the control unit 421 uses the account number or the card number in the customer information (purchaser information) as a key to store the database unit 401 of the host computer 40. Of the relevant information provided to the financial institution from the scheduled transfer data (step S
112), the extracted data is displayed together with the "confirmation button" on the ATM 42 as shown in FIG. 7, and the purchaser is prompted to confirm the contents and approve the settlement (step S114). At this time,
Instead of automatically displaying the reception number etc. as shown in FIG. 7,
The IC card 20 is inserted into the card reading / writing unit 42 of the ATM 42.
2 and selecting "4. Affiliated card", a screen for prompting the input of a reception number and the like can be prepared. The entry of this number helps protect personal data, and can prevent the transaction information from being displayed easily when someone inserts the dropped card into the ATM 42, for example.

1-4-3-3) The insurance applicant 12 looks at the contents on the screen, confirms the receipt number, etc., the insurance premium, etc., and presses the "confirmation button" if it is correct (the decision in step S116 is confirmed). . In response, a confirmation signal is transmitted from ATM 42 to host computer 40 (step 120).
If the content on the screen is incorrect or the cancel button is pressed without approving the payment (the determination in step S116 is cancelled), the payment is not made and the IC
Returning the card 20 from the card reading / writing unit 422,
The processing in the ATM 42 is terminated or the call center 30 is notified immediately (step S118). The call center 30 receives the notification, corrects the error, re-enters the data, and performs the above-described series of operations, thereby immediately re-entering the ATM4.
2 can be corrected. In addition to the display example of FIG. 7, it is preferable that the insurance premium and the balance of the account of the insurance applicant 12 are always displayed so as to prevent a transfer error including a misunderstanding. Specifically, it is desirable to display the display screen in two or more sections, or to prepare a second display screen that is lit only when necessary, somewhere in the ATM 42.

1-4-4) If the insurance applicant 12 wishes to make a cash transfer instead of an account transfer, a display excluding the item of “customer's account” from the display of FIG. The door of the receiving section 423 opens to prepare for receiving cash. When the insurance applicant 12 puts the cash, the door of the cash receiving unit 423 is automatically closed, the cash input is calculated, and if it matches the insurance premium to be transferred, the process proceeds to the next step, and the insurance premium to be transferred. If less, the door of the cash receiving unit 423 is opened again, and the shortage is further urged. If the input amount is larger than the insurance premium to be transferred, a change is calculated, and the change is returned from the cash receiving unit 423. In the case of cash transfer, a confirmation signal from the purchaser that the cash input of the insurance premium to be transferred has been confirmed by the ATM 42 is obtained (step S120).

1-4-5) When the confirmation signal is transmitted from the ATM 42 to the host computer 40, the confirmation signal is further transmitted from the host computer 40 to the host computer 34 of the insurance company 13. In response to the confirmation signal, the host computer 34 sends necessary data from the transaction information to the ATM 42 via the host computer 40 (step S122). ATM42
The card reading / writing unit 422 records the transmitted data on the insurance company IC chip 20c of the IC card 20 (step S124).

1-4-6) Then, the screen is switched as shown in FIG. 8, and the statement is output from the statement issuing unit 424 of the ATM 42 (step S126). If at least a part of the data sent from the host computer 34 of the insurance company 13 is printed out on this transaction statement, the insurance applicant 12 can hold it as a substitute for the insurance policy. If the statement issuing unit 424 has the ability to issue an insurance policy, it can issue an insurance policy on the spot, and the insurance applicant 12 can not only receive the insurance policy on the spot, but also The company 13 can save the mailing at a later date, and becomes more efficient.

[0057] Thus, the insurance applicant 12 receives the ATM 42
By simply inserting the IC card 20 and pressing the "confirmation button", the transfer operation can be completed, and there is no need to perform a complicated input operation. Further, the data stored in the insurance company 13 can be sent directly to the IC card 20 via the ATM 42. Can be sent to the IC card 20 using the network of the partner bank 14 without storing unnecessary data in the partner bank 14.

In the above example, an example in which there is only one application has been described. However, the present invention is not limited to this.
If two insurance applicants 12 apply for a plurality of products and there are a plurality of transfer schedules, a list of reception numbers and the like is displayed as shown in FIG. 9 to urge selection of a reception number and the like for the transfer. Then, by switching to the screen of FIG. 8 after the reception number or the like is selected, it is possible to cope with the situation.

1-5) Transfer Processing In the host computer 40, the transfer executing section 403 performs the transfer processing of the transfer scheduled data in accordance with the confirmation signal.
(Step S128). In the case of fund transfer, insurance applicant 1
The money is transferred from the account No. 2 to the account of the insurance company 13, and in the case of cash transfer, the input cash is transferred to the account of the insurance company 13. After the transfer processing, a payment notification signal is transmitted from the payment notification unit 404 to the host computer 34 of the insurance company 13 (step S130). The payment notification signal can include or accompany the payment date data in addition to the information provided to the financial institution of the transaction in which the transfer has been made. The transfer processing in step S128 may be performed before the output of the transaction statement in step S126.

1-6) Accounting Processing The accounting processing unit 346 of the host computer 34 performs accounting processing based on the payment notification signal (step S132).
Thus, the transaction is completed completely. The accounting processor 346 stores the payment information such as the payment date in the database 341 in association with the transaction information. This prevents the insurance company 13 from reclaiming the fee. Or, without doing this, or in parallel with this, the host computer 34 sends a command or a signal to stop the billing to the host computer 40, or the host computer 40 voluntarily sends the transfer schedule data in its database unit 401 The provided information for financial institutions was deleted or treated as processed data, and then the insurance applicant 12
When the IC card 20 is inserted into the IC card 42, the paid transaction is not displayed and the waiting for the purchaser information is canceled for the paid transaction (step S13).
4). Conversely, for data newly added to the database unit 341 and / or the database unit 401,
If the accounting processing, the deletion of the data, or the payment is not performed after a certain period, the insurance company 13 and / or the affiliated bank 14 may request the insurance applicant 12 to pay. good.

The insurance applicant 12 who has become an insurer,
Go to the branch 43 of the partner bank 14 at any time,
The card reading / writing unit 422 of the TM 42 has the IC card 2
0 is inserted so that the insurance company magnetic stripe 20d portion can be read, and on the screen shown in FIG.
When "5. Bookkeeping" is selected, the ATM 42 reads the existing insurance contract information, the insurance money payment record, and the transaction statement record, which are the transaction information stored in the insurance company IC chip 20c of the IC card 20, and reads the contents. It is printed by the statement issuing unit 424. In this way, the transaction information with the insurance company 13 stored in the insurance company IC chip 20c can be obtained at any time.
It can be printed out. If the transaction statement is already printed in step S126 and the transaction statement is not used as an insurance policy, the IC card 20 itself storing the transaction information is made to function as an insurance policy, and the issuance of a written insurance policy is omitted. You can also. Either the IC card 20 or the one issued by the statement issuing unit 424 can be used as the original insurance policy, and the other can be used as a copy (or duplicate). When printing a copy (or duplicate), a mark such as "copy (or duplicate)" may be printed together.

When performing other ordinary bank deposit, withdrawal, account transfer, bookkeeping, etc. processing on the screen shown in FIG. 20 is inserted into the card reading / writing unit 422 of the ATM 42 so that the bank magnetic stripe 20b of 20 can be read. As a result, the same ATM as before
Can also be performed by the same IC card 20. In addition, a bank card such as a cash card can be used as the storage medium of the present invention instead of the IC card 20. In that case, the process of recording the data from the insurance company 13 on the card by the ATM can be omitted.

In the above example, the seller is a single example,
Although the IC card 20 is a shared card only for the seller and the partner bank 14, the present invention is not limited to this, and the IC card 20 can be used commonly for many transactions between many sellers and purchasers. It is of course possible to do so. here,
When one piece of purchaser information includes a plurality of pieces of transaction information and / or seller information, it is desirable to first arrange the transaction information sorted by seller information in the reception number list display shown in FIG. This is because the seller information includes a transfer or transfer account, and it is desirable that the settlement be performed for each account. Here, the case where there are a plurality of transaction information and the like means that one purchaser can purchase a plurality of products such as insurance.
Or, a case where a purchase transaction is established from a plurality of insurance companies 13 or a case where the purchase transaction is temporarily established.

Next, FIGS. 11 and 12 show a second embodiment of the present invention. This embodiment differs from the first embodiment in that “shared specifying information” shared by the insurance applicant as the purchaser and the insurance company as the seller and specifying the purchaser and / or the transaction is used. Is different. Less than,
The processing of this embodiment will be described. In the following description, the insurance applicant is simply referred to as a purchaser, and the insurance company is simply referred to as a seller.

2-1-1) 1- in the first embodiment
The same processing as in 1-1) to 1-1-3) is performed, and the purchaser 12 appropriately receives consultation from the call center personnel 36 (step S200), selects an insurance contract desired by the purchaser 12, and makes a provisional transaction. It is established (step S202).
At this time, both the purchaser 12 and the call center personnel 36
Share transaction information, including premiums. Buyer information and transaction information are input from the input unit 324 of the call center side terminal 32 and transmitted to the host computer 34.

2-1-2) Host computer 34
Then, when the purchaser information and the transaction information are received, similarly to the issuance of the reception number and the like, for example, the reception number generation unit 342,
A number and / or symbol that can identify a new transaction and / or purchaser is assigned and transmitted to the call center side terminal 32. The assigned number and / or symbol is displayed on the terminal 32, and the staff member 36 communicates the assigned number and / or symbol to the purchaser 12 by communication means such as a telephone and shares the same (hereinafter referred to as "shared identification"). information"). The shared specifying information in this embodiment functions as information for specifying a transaction described later together or alone with other information.
However, arbitrarily, the shared specifying information can also function as purchaser information for specifying the purchaser together with other information or alone.

2-2-1) The host computer 34 of the seller 13 stores the buyer information, the transaction information, and the shared identification information in association with each other (step S204).

2-2-2) Next, in the host computer 34, from the purchaser information, the transaction information, and the shared identification information, the name, the insurance premium, and the card number which are the data necessary for the insurance transfer (transfer). Then, the information provided to the financial institution, such as the shared specifying information, the account number, and the payment method, is transmitted to the host computer 40 of the partner bank 14 together with the seller information of the seller 13 (step S206). Here, if the transfer destination account data of the seller 13 is not registered in the partner bank 14 in advance, the transfer destination or transfer destination account data recorded in the host computer 34 is also combined with the host computer data as the seller information. Send to 40.

2-3) In the host computer 40,
Based on the information provided for the financial institution, the following processing is performed to prepare for the transfer processing from the purchaser 12. That is, after the account confirmation unit 402 of the host computer 40 confirms the account of the buyer 12 as the transfer source and the account of the seller 13 as the transfer destination or the transfer destination, the seller 13 The transmitted information for financial institutions transmitted is stored in the database unit 401 of the partner bank 14 in association with the seller information of the seller 13 (step S208). These are stored in the host computer 40 of the partner bank 14 in association with each other so that other information can be extracted using the shared specific information included in the information provided for the financial institution as a key. After the storage, the host computer 40 is on standby in preparation for the transmission of the shared specifying information from the ATM 42 (step S210).

2-4) The purchaser 12 inputs the shared identification information to the ATM 42 by performing a predetermined operation at the ATM 42 of the partner bank 14. Here, the predetermined operation means that the data stored in the card 20 as in the first embodiment
Any operation other than reading by TM42, for example,
By operating keys such as a touch panel key and a button key of the ATM 42, or reading out by voice, etc.,
This means that sharing specific information is input. Also, the card 20 can be inserted into the ATM 42 immediately before or after the input of the shared identification information. At this time, the card 20 of the purchaser 12 is inserted into the ATM 42, and the customer information (purchase information) of the card 20 read by the card reading / writing unit 422 of the ATM 42 is specified from the shared specifying information input by the key. If it is determined whether the information matches the buyer information
There is an advantage that the identity of the person who inserted the card 20 can be confirmed and the security of the transaction can be improved. Further, when the purchaser 12 does not use the card 20, for example, when the purchaser does not have a transaction account at the partner bank 14, the insertion of the card 20 is omitted, and an account transfer by cash is selected from the initial screen,
The sharing specifying information is input by a predetermined operation. In this embodiment, the card may be an IC card. However, in the following description, it is assumed that a card that does not include an IC and can secure only a small amount of information such as a magnet and a bar code is used.

The ATM 42 uses the shared specifying information as a key and the database unit 401 of the host computer 40.
(Step S212), and extracts the extracted data from A
The message is displayed together with the "confirmation button" on the TM 42 as shown in FIG. The purchaser 12 confirms the content, and presses the confirmation button when approving the settlement (the decision in step S216 is confirmed). If the contents on the screen are incorrect or the cancel button is pressed without approving the payment (the determination in step S216 is cancelled), the payment is not made, the card 20 is returned from the ATM 42, and the ATM 4 is returned.
Terminate the process in 2 or call center 3
0 (step S218). In the call center 30 that has received the notification, the display content of the ATM 42 can be immediately corrected by correcting the error, re-entering the data, and performing the above-described series of operations. Further, instead of ending the processing in the ATM 42, another transaction can be continued.

The subsequent processing is the same as that of the first embodiment except that the transaction record is written on the card 20 (step S1).
20 to step S134), and a description thereof will not be repeated. According to the second embodiment, settlement can be performed without the card 20, and even when the buyer 12 does not have a transaction account with the partner bank 14, the purchaser 12 can use the ATM 42 of any partner bank 14. Payments can be made and transactions can be completed.

Next, FIG. 13 to FIG. 18 are views showing a third embodiment of the present invention and its modifications. In this embodiment, the financial institution is composed of the partner bank 14 and the partner bank 14B, and the computer of the financial institution is the partner bank 1
4 and a host computer 40B of the partner bank 14B. This embodiment can occur, for example, when the seller's bank transfer or transfer account is at the partner bank 14B and the buyer 12's bank account is at the partner bank 14. In recent years, tie-ups with financial institutions such as banks have been widely performed, and the system makes more use of the convenience of purchasers and sellers. Since transactions and the like are performed in substantially the same manner as in the first embodiment or the second embodiment, a brief description will be given with reference to the previous embodiment. However,
Here, the partner bank 14B is assumed to be a financial institution having a transfer or transfer account of the seller 13, but the present embodiment can be applied even in such a case.

[0086] 1-1-1) to 1- in the first embodiment
The same processing as in 1-3) is performed, and the purchaser 12 receives a consultation of the call center personnel 36 as needed (step S100), selects an insurance contract desired by the purchaser 12, and
When the transaction is provisionally established (step S102), the purchaser information and the transaction information are input to the input unit 324 of the call center side terminal 32.
And transmitted to the host computer 34,
Therefore, the buyer information and the transaction information are stored in association with each other (step S104).

Next, in the host computer 34, from the transaction information and the purchaser information (and / or the shared specific information), the financial institution such as the name, insurance premium, card number, receipt number, account number, payment method, etc. The distribution information is transmitted to the host computer 40B of the partner bank 14B together with the seller information of the seller 13 (step S306).
The transmitted information is stored in the host computer 40B of the partner bank 14B in such a manner that other information can be extracted from the purchaser information (or the shared specific information) so as to be extracted (step S108).

Next, the host computer 40B of the partner bank 14B can immediately transmit the stored providing information for financial institutions and the seller information to the host computer 40 of the partner bank 14 (step S310 in the flowchart of FIG. 15). Alternatively, in response to an inquiry from the partner bank 14, the provided information for the financial institution and the seller information can be transmitted to the host computer 40 of the partner bank 14 (step S in the flowchart of FIG. 14).
320-S328). In addition, it is possible to transmit immediately and retransmit in response to an inquiry. They are,
Easy access to buyer information input by buyers,
It can be determined in advance in consideration of communication convenience, transaction security, and the like. However, at least part of the buyer information (bank account number, name, etc.) (or shared specific information)
Must be transmitted to the partner bank 14 together with the inquiry information (trigger signal) to the partner bank 14B in advance. This is because when the purchaser information (or the shared specific information) is input to the partner bank 14, it is necessary to inquire at least to the partner bank 14B.

From ATM 42 of partner bank 14, purchaser 1
2. When the purchaser information (or shared specific information) is input by the card 20 or other means, the provided information for the financial institution is extracted using the purchaser information (or shared specific information) as a key. This extraction is performed by the host computer of the partner bank that stores the seller information (that is, the information provided to the financial institution) associated with the buyer information (or the shared specific information). Accordingly, the host computer 40B of the partner bank 14B immediately transmits the provided information for the financial institution (step S310 in FIG. 15), and the host computer 40 of the partner bank 14 sells the sales information associated with the purchaser information (or the shared specific information). If partner information (that is, information provided to financial institutions) is stored (step S312 in FIG. 15), the host computer 40 of the partner bank 14
Can be extracted (step S3 in FIG. 15).
16). On the other hand, the host computer 4 of the partner bank 14B
In the case where OB transmits the information provided to the financial institution in response to the inquiry from the host computer 40 of the partner bank 14, the extraction can be performed by the host computer 40B of the partner bank 14B (step S32 in FIG. 14).
6). When the buyer information (or shared specific information) is input, the host computer 40 of the partner bank 14 does not store the information provided to the financial institution related to the purchaser information (or shared specific information). Is more desirable. Triggered by input of purchaser information (or shared specific information) as a trigger, it is possible to make an inquiry, receive transmission from partner bank 14B, store it, and then extract it, but quick responsiveness is desired. It is not very desirable for a terminal to be used. Further, when the host computers 40 and 40B of the partner banks 14 and 14B respectively store the information provided for the financial institution, the information can be extracted by one or both of them. In the case of performing both, it is desirable to decide in advance which extraction result should be adopted. If a contradiction occurs between the two, the host computer will be confused.

[0097] The following is a description of the operation when the purchaser 12 inserts the card 20 into the ATM 42 having his / her account.
Makes an inquiry based on the inquiry information related to the purchaser information (or the shared specific information) input to the host computer 40B of the partner bank 14B, and extracts the information provided to the financial institution from the computer 40B. A description will be given of an example in which the user has a request (see FIGS. 14 and 16). In this case, the buyer 12 simply inserts the card 20 at the ATM 42 of the partner bank 14,
Using the host computer 40B of the partner bank 14B,
By extracting and transmitting data, a screen as shown in FIG. 7 can be displayed. If the receipt number displayed in FIG. 7 is used as the shared specifying information, it is desirable to be able to more reliably extract the information provided to the financial institution of the transaction in which the buyer has been specified.

If the purchaser wishes to transfer money from his / her own account, the information provided to the financial institution displayed on the screen is confirmed as described in the first or second embodiment. At the same time, the ATM 42 is caused to read the account number stored in the card, or the account number is input by another method, and a confirmation signal is generated from the ATM 42 by pressing the confirmation button, or described in the first embodiment. The cash transfer is performed according to the procedure described above, and the confirmation signal is generated when the ATM 42 confirms the cash.

When the confirmation signal is transmitted from the ATM 42 to the host computer 40, the money is transferred from the purchaser's account to the seller's account of the affiliated bank 14B, and the money is transferred to the seller's account. Thereby, the transfer of the price between the buyer 12 and the seller 13 is completed, and the host computer 40B of the partner bank 14B (and the host computer 40 of the partner bank 14) associates the purchase information with the purchaser information (or the shared specific information). The provided information for a financial institution stored or deleted may be deleted, or the provided information for a financial institution may be processed so that the same purchaser operates at the ATM 42 so that the information is not displayed thereafter, thereby receiving the purchaser information. Waits are released only for such transactions. Further, the purchaser is displayed as shown in FIG. 8 that the transfer has been completed.

When the transfer of the price to the seller account is completed, a deposit notification signal is transmitted from the host computer 40 directly to the host computer 34 of the seller 13 or via the partner bank 14B. The payment notification signal can include or accompany the payment date data in addition to the information provided to the financial institution of the transaction in which the transfer has been made. The accounting processing unit 346 of the host computer 34 performs accounting processing based on the payment notification signal (step S132), and completes the transaction. The accounting processor 346 associates the payment information such as the payment date with the transaction information and associates the payment information with the transaction information.
41. This prevents the seller 13 from reclaiming the fee. Alternatively, the host computer 34 sends a stop command or signal to the host computer 40, 40B, or does not perform this operation in parallel with the host computer 40, 40B.
0B voluntarily deletes the provided information for the financial institution, which was the scheduled transfer data of the database unit 401, or treats it as processed data.
When the card 20 is inserted into the PC, the paid transaction is not displayed.

In the third embodiment, other various modifications are possible. For example, in FIG.
The host computer 34 and the partner bank 14 used directly by the purchaser 12 do not directly exchange data. However, this is not to be denied, and the host computer 34 and the partner bank 14 as shown in FIG. Fourteen host computers 40 may directly transmit and receive some information. In other words, the host computer 40 of the partner bank 14 receives and stores the information provided for the financial institution in association with the seller information, and provides the information provided to the financial institution by inputting the purchaser information (or shared specific information) of the purchaser. Information and the like can be extracted and displayed on the ATM 42. In this case, even if the computer of the partner bank 14B has the settlement account of the seller 13, it is necessary to store the information provided to the financial institution associated with the purchaser information (or the shared specific information). Is not
It may be stored. However, if payment is made to the seller account at the affiliated bank 14B, it is desirable that the affiliated bank 14B transmits this payment notice information not only to the seller but also to the affiliated bank 14 and shared by the three parties. This is because there is a possibility that the buyer will be recharged. This can be achieved by transmitting and receiving data between financial institutions and / or transmitting data from sellers. Further, in this example, two partner banks are illustrated, but the present invention is not limited to this, and a plurality of financial institutions (for example, 14 in FIG. 18) that can mutually transmit and receive data and deposit and remit money can be used. , 1
4B, 14C), and the computer of the financial institution can be configured by a computer managed by each financial institution. In this case, provided information for financial institutions can be stored in host computers of a plurality of financial institutions in association with purchaser information (or shared specific information). In addition, when payment is made to the seller account, the payment notification information is transmitted to the host computers of a plurality of financial institutions, thereby preventing re-claiming of the paid price.

[0083]

As described above, according to the present invention,
Payment is made using a transfer function of a financial institution that has been proven to be secure, rather than payment using low-security communication means such as a telephone, so that high security can be ensured. Further, when performing the transfer, there is no need for the purchaser to perform a troublesome mechanical operation such as inputting the seller's transfer or the transfer account number, so that even a person unfamiliar with the machine operation can easily perform the transfer. Therefore, there is an effect that it is possible to eliminate a transfer error due to a purchaser's input error or the like in inputting a number such as an account number or the like or an amount. In addition, if a notification of payment is sent from the financial institution to the seller's host computer, payment for each transaction can be made on the computer, and the transfer using the amount and the name of the transfer person, which was conventionally performed, This has the effect of eliminating the need for a payment confirmation procedure at all.

[Brief description of the drawings]

FIG. 1 is a block diagram showing an overall configuration of a system for implementing a system and a method according to a first embodiment of the present invention.

FIG. 2 is an explanatory diagram illustrating a configuration example of an IC card.

3 is a functional block diagram of a call center terminal 32 and a host computer 34. FIG.

FIG. 4 shows a host computer 40 of the partner bank 14 and A
It is a functional block diagram of TM42.

FIG. 5 is a diagram showing a data flow in an application and payment procedure according to the first embodiment of the present invention.

FIG. 6 is an example of an ATM image.

FIG. 7 is an example of an ATM image.

FIG. 8 is an example of an ATM image.

FIG. 9 is an example of an ATM image.

FIG. 10 is a flowchart showing an application and payment procedure in the first embodiment of the present invention.

FIG. 11 is a flowchart illustrating an application and payment procedure according to the second embodiment of the present invention.

FIG. 12 is a diagram showing a data flow in an application and payment procedure according to the second embodiment of the present invention.

FIG. 13 is a block diagram showing an overall configuration of a system for implementing a system and a method according to a third embodiment of the present invention.

FIG. 14 is a flowchart showing an application and payment procedure according to the third embodiment of the present invention.

FIG. 15 is a flowchart showing an application and payment procedure in a modification of the third embodiment of the present invention.

16 is a diagram showing a data flow in an application and payment procedure corresponding to FIG.

FIG. 17 is a block diagram illustrating an overall configuration of a system for implementing a system and a method according to a modification of the third embodiment of the present invention.

FIG. 18 is a block diagram illustrating an overall configuration of a system for implementing a system and a method according to a modification of the third embodiment of the present invention.

[Explanation of symbols]

12 Insurance Applicant (Purchaser) 13 Insurance Company (Seller) 14, 14B, 14C Partner Bank (Financial Institution) 20 IC Card (Storage Medium) 32 Call Center Terminal (Seller Computer) 34 Host Computer (Seller) Computer) 40, 40B, 40C Host computer (financial institution side computer) 42 ATM (affiliated financial institution terminal)

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[Procedure amendment]

[Submission date] December 27, 2001 (2001.12.
27)

[Procedure amendment 1]

[Document name to be amended] Statement

[Correction target item name] Claims

[Correction method] Change

[Correction contents]

[Claims]

[Procedure amendment 2]

[Document name to be amended] Statement

[Correction target item name] 0006

[Correction method] Change

[Correction contents]

[0006]

The invention of claim 1, wherein among the present invention in order to achieve the above object In order to achieve the above, the payment of the price of the transaction was made between the buyer and seller, buyer Is a payment processing method performed by transfer from a financial institution terminal using a storage medium in which information of the purchaser is stored, and after a provisional transaction is established between the purchaser and the seller via communication means, in association with at least purchaser information part of the transaction information stored in the storage medium of the purchaser of the transaction information, wherein the step of receiving computer, said computer has been received in association with the purchaser information at least some of the transaction information of the transaction information, and storing in association with the seller information, when the customer information storage medium is used in a financial institution terminal is read, the computer, the con In either <br/> these information the stored Yuta, based on the customer information, comprising the steps of extracting at least a portion of the transaction information of the transaction information corresponding, the financial institution
A step in which the terminal displays the extracted information and prompts the purchaser to input a confirmation signal; and a step in which the financial institution terminal receives the purchaser's confirmation signal and performs payment processing to the seller .
Outputting a confirmation signal .

[Procedure amendment 3]

[Document name to be amended] Statement

[Correction target item name] 0007

[Correction method] Change

[Correction contents]

According to a second aspect of the present invention, in the first aspect, the financial institution terminal receives at least a purchaser confirmation signal and records at least a part of the transaction information on a storage medium. comprising the steps, a.

[Procedure amendment 4]

[Document name to be amended] Statement

[Correction target item name] 0008

[Correction method] Change

[Correction contents]

According to a third aspect of the present invention, there is provided a settlement processing method in which payment of a transaction made between a buyer and a seller is performed by transfer from a financial institution terminal used by the buyer. After a provisional transaction is established via communication means between the buyer and the seller, the buyer and / or the buyer and / or the seller share at least part of the transaction information of the transaction information with the buyer. Information that specifies the transaction (hereinafter "shared specific information")
In association with, and receiving computer, the computer, at least a portion of the transaction information of the received in association with shares certain information the transaction information, and storing in association with the seller information, financial When the shared specific information is input to the institution terminal, the computer
But from among the stored information to the computer, a step of extracting at least a portion of the transaction information of the transaction information on the basis of shared specific information, corresponding, the financial institution terminal
The machine is, to display the information that the extracted, confirmation of the steps that prompts you to enter the confirmation signal, the financial institution terminal is receiving a confirmation signal of the purchaser, in order to perform the payment processing of the price to the seller to the buyer
Outputting a signal .

[Procedure amendment 5]

[Document name to be amended] Statement

[Correction target item name] 0009

[Correction method] Change

[Correction contents]

[0009] The invention according to claim 4 is the invention according to claims 1 to 3.
4. The method according to claim 1, wherein at least a part of the transaction information stored in the computer includes transaction information.

[Procedure amendment 6]

[Document name to be amended] Statement

[Correction target item name] 0010

[Correction method] Change

[Correction contents]

[0010] The invention according to claim 5 provides the invention according to claims 1 to 4.
In the method according to any one of the above, after the provisional transaction between the buyer and the seller is completed, the seller computer stores the transaction information with the buyer in association with the buyer information. And a step in which, after the payment processing, the seller-side computer receives the payment notification from the financial institution and performs the accounting processing.

[Procedure amendment 7]

[Document name to be amended] Statement

[Correction target item name] 0011

[Correction method] Change

[Correction contents]

According to the invention described in claim 6, payment of a transaction made between the purchaser and the seller is performed by transfer from a financial institution terminal using a storage medium in which information of the purchaser is stored. A settlement processing system for performing transaction information of a transaction provisionally established between a buyer and a seller via communication means ,
A merchant-side storing / transmitting means for storing at least part of the transaction information in association with the purchaser information and storing the transaction information in association with the purchaser information stored in the purchaser storage medium, At least a part of the transaction information transmitted in association with the buyer information,
A financial institution-side transmitting / receiving / storing means for storing in association with the seller information; reading the purchaser information from a storage medium of the purchaser; and responding from the financial institution-side transmitting / receiving / storing means based on the purchaser information. The financial institution terminal for extracting at least a part of the transaction information of the transaction information, displaying the extracted information, and prompting the purchaser to input a confirmation signal, and the seller receiving the purchaser's confirmation signal. And a payment processing means for performing a payment processing.

[Procedure amendment 8]

[Document name to be amended] Statement

[Correction target item name] 0013

[Correction method] Change

[Correction contents]

[0013] The invention according to claim 8 is a settlement processing system for performing payment of a transaction made between a purchaser and a seller by a transfer from a financial institution terminal used by the purchaser. , Between the buyer and seller via communication means
The transaction information of the provisionally completed transaction is stored in association with the transaction and / or information specifying the purchaser (hereinafter, “shared specific information”) shared by the buyer and the seller, and at least one of the transaction information is stored. Transmitting the transaction information of the section in association with the shared identification information, a seller-side storing / transmitting means, and transmitting at least part of the transaction information of the transaction information transmitted in association with the shared identification information, to the seller information Based on the shared identification information input from the purchaser, at least a part of the transaction information corresponding to the transaction information from the financial institution side transmission / reception / storage means, which is stored in association with the transaction information. And the financial institution terminal for displaying the extracted information and prompting the purchaser to input a confirmation signal, and a payment processing for receiving the confirmation signal of the purchaser and performing a payment processing to the seller. It includes a stage, a.

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G07F 19/00 G07D 9/00 476 (72) Inventor Yu Ueda 1-3-1 Marunouchi, Chiyoda-ku, Tokyo F-term (reference) within AIJ Corporation 3E040 AA03 BA07 BA18 CA14 CB01 EA01

Claims (12)

[Claims] Claims: 1. A settlement processing method in which payment of a transaction made between a buyer and a seller is performed by transfer from a partner financial institution terminal using a storage medium in which information of the buyer is stored. Wherein after the provisional transaction between the buyer and the seller, at least a part of the transaction information of the transaction information with the buyer is associated with the buyer information stored in the storage medium of the buyer, Transmitting to a financial institution-managed computer under financial institution management, the financial institution-side computer associating at least part of the transaction information transmitted in association with the purchaser information with the seller information; And when the purchaser information is read by using the storage medium in the financial institution terminal, based on the purchaser information from the financial institution side computer, a small amount of the corresponding transaction information is obtained. Extracting at least a portion of the transaction information, displaying the extracted information on the financial institution terminal, prompting the purchaser to input a confirmation signal, and receiving the confirmation signal from the purchaser to the seller. Performing payment processing of the payment. 2. After a provisional transaction between a buyer and a seller is completed, transaction information with the buyer is input to a seller-side computer under seller management, and the transaction information is associated with the buyer information. Receiving the purchaser's confirmation signal, transmitting a confirmation signal from the financial institution terminal to the seller's computer, and receiving the confirmation signal from the financial institution terminal. And recording at least a part of the transaction information in a storage medium via the financial institution terminal. 3. A payment processing method in which payment for a transaction made between a buyer and a seller is performed by transfer from a partner financial institution terminal used by the buyer. After the provisional transaction with the purchaser is established, at least a part of the transaction information of the transaction information with the purchaser is shared by the purchaser and the seller with information specifying the purchaser and / or the transaction (hereinafter, “information specifying the purchaser”). Transmitting to the financial institution-side computer managed by the financial institution in association with the shared identification information "), and at least a part of the transaction information transmitted from the financial institution-side computer in association with the shared identification information Is stored in association with the seller information, and when the shared specific information is input at the financial institution terminal, the corresponding financial information is transmitted from the financial institution side computer based on the shared specific information. Extracting at least a part of the transaction information, displaying the extracted information on the financial institution terminal, prompting the buyer to input a confirmation signal, and receiving the purchaser's confirmation signal to the seller. Performing a payment processing of the payment. 4. The payment processing method according to claim 1, wherein at least a part of the transaction information stored in the financial institution side computer includes information on a price. . 5. After a provisional transaction between a buyer and a seller is completed, transaction information with the buyer is input to a seller-side computer under seller management, and the transaction information is associated with the buyer information. Receiving the payment notification from the financial institution after the payment processing,
The settlement processing method by transfer according to any one of claims 1 to 4, further comprising: performing accounting processing on the seller-side computer. 6. A settlement processing system in which payment for a transaction made between a buyer and a seller is made by transfer from a partner financial institution terminal using a storage medium in which information on the buyer is stored. Wherein transaction information of a transaction tentatively established between the purchaser and the seller is stored, and the transaction information is stored in association with the purchaser information stored in the storage medium of the purchaser. Transmitting and transmitting at least a part of the transaction information in association with the purchaser information, and a seller-side storage / transmission means under the seller management; and at least one of the transaction information transmitted in association with the purchaser information And storing the transaction information of the section in association with the seller information, a financial institution-side transmission / reception / storage means under the management of the financial institution, and reading the purchaser information from the storage medium of the purchaser, Based on Extracting at least a part of the transaction information of the corresponding transaction information from the financial institution side transmitting / receiving / storage means, displaying the extracted information, and prompting a purchaser to input a confirmation signal; Payment processing means for receiving payment signals from buyers and performing payment processing of payments to sellers. 7. Receiving the purchaser's confirmation signal,
The financial institution terminal transmits a confirmation signal to the seller-side storing / transmitting means, and the seller-side storing / transmitting means receives the confirmation signal and converts at least a part of the transaction information. 7. The payment processing system according to claim 6, wherein the payment is recorded on a storage medium via the financial institution terminal. 8. A settlement processing system for performing payment of a transaction made between a buyer and a seller by a transfer from a financial institution terminal used by the buyer, the payment processing system comprising: Stores the transaction information of the transaction in association with information (hereinafter referred to as “shared specific information”) that identifies the transaction and / or the buyer shared by the user, and stores at least a part of the transaction information of the transaction information in the shared specific information. Transmitting and associating with at least part of the transaction information transmitted in association with the shared specific information, in association with the seller information Based on the financial institution-side transmission / reception / storage means to be stored and managed by the financial institution, and based on the shared identification information input from the purchaser, a small amount of the transaction information corresponding from the financial institution-side transmission / reception / storage means. At least a part of the transaction information is extracted, the extracted information is displayed, the financial institution terminal prompting the purchaser to input a confirmation signal, and the seller receiving the purchaser's confirmation signal, receiving the payment to the seller. And a payment processing means for performing processing. 9. The settlement according to claim 6, wherein at least a part of the transaction information stored in the financial institution side transmission / reception / storage means includes information relating to a price. Processing system. 10. The storage device according to claim 6, wherein the seller-side storing / transmitting unit receives the payment notification from the financial institution after the payment process and performs the accounting process. Payment processing system by transfer. 11. A storage medium used in the settlement processing method according to claim 1. 12. The storage medium according to claim 11, wherein cash can be deposited and withdrawn via said financial institution terminal.