JP7455556B2 - Virtual account device, managed account management device, funds transfer device, virtual account provision system, and virtual account provision method - Google Patents

Description

The present invention relates to a virtual account device, managed account management device, funds transfer device, virtual account providing system, and virtual account providing method that provide virtual accounts.

2. Description of the Related Art Conventionally, a transfer processing method is known in which the transferor is identified using a number that specifies an account uniquely associated with the transferor. In this method, first, for a company that has an account (collective account) at a bank, an account number is set as a transfer-only account for this company according to the number of people who are scheduled to transfer money. The account number set for this company exclusively for transfers will not be used for opening a general account. The company appropriately allocates account numbers exclusively for remittance to each prospective remittor. The person who plans to make a transfer transfers the desired amount to the account assigned to him/her. The bank also includes a number identifying the account associated with the sender as part of the transfer information. As a result, the transfer information for each account into which the transfer has been made is consolidated and concentrated as the transfer information for the account, and when this concentration is done, the number for specifying the account associated with the payer is also included as part of the transfer information. As a result, the payer can be identified using the number that identifies the account into which the money was transferred (see Patent Document 1).

Japanese Patent Application Publication No. 2000-293610

However, in the conventional structure, it is possible to transfer money to a company, but all funds transferred to the transferor's account are deposited into the company's collective account, so the desired amount can be transferred to the transferor's account. I can't keep it.

The present invention has been made in view of these problems, and provides a virtual account device, a managed account management device, a funds transfer device, a virtual account providing system, and a virtual account management device that provides a virtual account that can virtually hold a desired amount of money. The purpose is to obtain a virtual account provision method.

The virtual account device according to the first invention of the present application includes a funds transfer unit that increases or decreases the balance of a virtual account, and a management account that increases or decreases the deposit balance of a management account that keeps funds deposited into the virtual account or funds withdrawn from the virtual account. Equipped with a management department.

The funds transfer unit may identify a transaction to be deposited or withdrawn from a virtual account using a customer terminal operated by a customer who deposits or withdraws money from the virtual account.

The funds transfer unit may identify a transaction to be deposited or withdrawn from a virtual account using a card owned by a customer who deposits or withdraws money from the virtual account.

The fund transfer unit further includes a first communication unit that receives a deposit/withdrawal signal for the virtual account, the funds transfer unit increases or decreases the balance of the virtual account based on the deposit/withdrawal signal, and the managed account management unit adjusts the deposit balance of the managed account. Preferably, the amount is increased or decreased based on the deposit/withdrawal signal.

The deposit/withdrawal reception unit that accepts deposits or withdrawals from the virtual account provides a transaction authentication code to authenticate the transaction, and the funds transfer unit authenticates the transaction in response to a signal from a customer terminal that recognizes the transaction authentication code. You may.

The funds transfer department provides the customer terminal with an organization recognition code indicating the organization that has the managed account management department, and the managed account management department provides the customer terminal with an organization recognition code that indicates the organization that has the managed account management department. A deposit/withdrawal signal for the virtual account may be received based on the organization recognition code.

The managed account management department receives the withdrawal amount from the deposit/withdrawal reception section that accepts deposits or withdrawals to the virtual account, and transmits the withdrawal amount to the funds transfer department, and the funds transfer department transfers the received withdrawal amount to the virtual account. The managed account management department subtracts the withdrawal amount from the balance and sends the notification that the withdrawal is possible to the managed account management department.When the managed account management department receives the notification that the withdrawal is possible from the funds transfer department, the managed account management department deducts the withdrawal amount from the managed account balance. It is preferable to subtract .

The managed account management department receives the deposited amount from the deposit/withdrawal reception section that accepts deposits or withdrawals to the virtual account, and transmits the deposited amount to the funds transfer department, and the funds transfer department transfers the received deposit amount to the virtual account. When the managed account management department receives notification that the deposit has been completed from the funds transfer department, the managed account management department adds the deposited amount to the balance of the managed account and sends a notification that the deposit has been completed to the managed account management department. Good too.

The managed account management department sends the received transfer amount to the funds transfer department and adds the transferred amount to the balance of the managed account, and when the funds transfer department receives the transferred amount from the managed account management department, it adds the transferred amount to the balance of the managed account. The transfer amount may be added to the balance.

A managed account management device according to a second invention of the present application includes a first communication unit that receives a deposit/withdrawal signal for a virtual account, and funds deposited into the virtual account or funds withdrawn from the virtual account based on the deposit/withdrawal signal. a management account management unit that increases or decreases the deposit balance of the managed account in which the funds are deposited; .

A funds transfer device according to a third invention of the present application includes a second communication unit that receives a deposit/withdrawal signal for a virtual account, and a funds transfer unit that increases or decreases the balance of the virtual account based on the deposit/withdrawal signal. Based on the deposit/withdrawal signal, the communication department transmits a deposit/withdrawal signal to the managed account management department, which increases or decreases the balance of the managed account that holds funds deposited into the virtual account or funds withdrawn from the virtual account, and The mobile unit increases or decreases the balance of the virtual account based on the deposit/withdrawal signal received by the second communication unit.

The virtual account providing system according to the fourth invention of the present application includes a deposit/withdrawal receiving unit that accepts deposits or withdrawals to the virtual account, a funds transfer unit that increases or decreases the balance of the virtual account, and a transfer unit that receives funds deposited into the virtual account or transfers funds from the virtual account. It includes a management account management unit that increases or decreases the deposit balance of a management account that keeps funds to be withdrawn, and a customer medium that authenticates transactions to the virtual account.

The virtual account provision method according to the fifth invention of the present application includes a fund transfer step in which the fund transfer unit increases or decreases the balance of the virtual account given to each customer based on a deposit or withdrawal signal; A virtual account providing step in which the management account management section increases or decreases the deposit balance of the management account in which funds or funds to be withdrawn from the virtual account are kept, based on a deposit or withdrawal signal.

The deposit or withdrawal signal includes the withdrawal amount, and the funds transfer step includes a step in which the funds transfer unit subtracts the withdrawal amount from the balance of the virtual account and sends a notification that the withdrawal is possible to the managed account management unit. Preferably, the virtual account providing step includes a step of subtracting the withdrawal amount from the balance of the managed account when the managed account management unit receives from the funds transfer unit that withdrawal is possible.

According to the present invention, a virtual account device, a managed account management device, a funds transfer device, a virtual account providing system, and a virtual account providing method that provide a virtual account that can virtually hold a desired amount of money are obtained.

1 is a schematic diagram of a virtual account providing system according to an embodiment of the present invention; FIG. It is a flowchart showing the first withdrawal process. It is a flowchart showing the first withdrawal process. It is a figure showing the screen of an ATM terminal. It is a diagram showing a screen of a customer terminal. It is a figure showing the screen of an ATM terminal. It is a diagram showing a screen of a customer terminal. It is a figure showing the screen of an ATM terminal. It is a figure showing the screen of an ATM terminal. It is a flowchart which shows the 1st deposit processing. It is a flowchart which shows the 1st deposit processing. It is a figure showing the screen of an ATM terminal. It is a flow chart showing transfer processing. It is a flowchart which shows the 2nd payment processing. It is a flowchart which shows the 2nd deposit processing.

A virtual account providing system 100, which is a first embodiment of the present invention, will be described below with reference to FIGS. 1 to 13.

The virtual account providing system 100 includes a funds transfer server (funds transfer unit, funds transfer device) 110 owned by a funds transfer operator, and a deposit/withdrawal reception server (deposit/withdrawal server) owned by a bank that provides ATMs (hereinafter also referred to as an ATM providing bank). A managed account management server (managed account management department, managed account management device) 130 owned by the virtual account service provider, and a customer terminal (customer medium) 142, such as a smartphone or tablet, owned by the customer. Prepare for the Lord.

A virtual account is an account virtually assigned to each customer, has an account number of a virtual account service provider, and is linked to a management account. The balance of the virtual account is managed by the funds transfer server 110. A management account is an account provided at a virtual account service provider, and is an account in which funds deposited into a linked virtual account or funds withdrawn from the virtual account are kept. The deposit balance of the management account is managed by the management account management server 130. In other words, from the customer's perspective, the deposit balance of the virtual account appears to be held by the funds transfer operator as the customer's funds, while from the perspective of the virtual account service provider and the funds transfer operator, the deposit balance of the virtual account appears to be held by the funds transfer operator as the customer's funds. The balance is held by the virtual account service provider as a deposit balance of the managed account, that is, as a deposit of the funds transfer operator. In this regard, a virtual account is being offered virtually to the customer.

The funds transfer server 110 and the deposit/withdrawal reception server 120 are connected to the customer terminal 142 via the Internet. The funds transfer server 110 includes a second communication unit connected to the managed account management server 130, and the managed account management server 130 includes a first communication unit connected to the managed account management server 130 and the deposit/withdrawal reception server 120. Equipped with Funds transfer server 110 and managed account management server 130 are connected via a dedicated line. The deposit/withdrawal reception server 120 and the managed account management server 130 are connected via a Zengin domestic transfer network (national bank data communication system) 152 in addition to the connection via a dedicated line 151 . The funds transfer server 110 and the managed account management server 130 constitute a virtual account device. The virtual account device may include a deposit/withdrawal reception server 120.

The fund transfer server 110 records deposits and withdrawals to and from a virtual account given to each customer, manages the balance of the virtual account, and is an organization that has the managed account management server 130, that is, an organization that represents a virtual account service provider. A recognition code (also referred to as a company code or company number) is issued, and the balance of the virtual account, the maximum amount that can be deposited or withdrawn, whether deposits can be made, whether withdrawals can be made, or one or more of these are sent to the managed account management server 130. Send.

The deposit/withdrawal reception server 120 includes an ATM terminal 121 and an ATM management server 122 that are connected to each other via a dedicated line, and accepts deposits or withdrawals into a virtual account.

The ATM management server 122 and the ATM terminal 121 perform a plurality of processes such as the following, namely, the ATM management server 122 issues a transaction authentication code for authenticating each transaction according to the customer's operation on the ATM terminal 121. The ATM management server 122 recognizes the virtual account service provider in response to a signal from the customer terminal into which the group recognition code has been input, and displays this on the ATM terminal 121, and determines whether deposits or withdrawals are possible. When the ATM management server 122 receives a signal from the management account management server 130 indicating that deposits or withdrawals are possible, the ATM management server 122 displays the deposit screen or withdrawal screen from the ATM. A process for displaying on the terminal 121, a process for the ATM management server 122 to send the deposit or withdrawal amount to the managed account management server 130, and/or when the ATM management server 122 receives a deposit or withdrawal instruction from the managed account management server 130. , displays a deposit completion screen on the ATM terminal 121, or causes the ATM terminal 121 to withdraw a predetermined amount of money. The transaction authentication code displayed on the ATM terminal 121 is, for example, a QR code, and includes, for example, a number that can identify the ATM terminal 121, transaction date and time, transaction number, and the like.

The managed account management server 130 is a server that manages, that is, increases or decreases, the deposit balance of the managed account, and performs a plurality of processes as described below. That is, the process of adding and/or subtracting the deposit amount, withdrawal amount, and/or transfer amount to the virtual account from the deposit balance of the managed account, and the process of inquiring from the deposit/withdrawal reception server 120 as to whether deposits or withdrawals are possible. At this time, the process of inquiring the funds transfer server 110 to the effect that deposits or withdrawals are possible or not, and/or when receiving from the funds transfer server 110 the fact that deposits or withdrawals are possible, Performs processing such as sending information on whether or not deposits or withdrawals are possible. In addition, at the time of deposit, the process of transmitting the amount that can be deposited to the deposit/withdrawal reception server 120, and/or when the deposit amount is received from the deposit/withdrawal reception server 120, the deposited amount is sent to the funds transfer server 110, and the management account Perform processing such as adding the deposited amount to the balance. Further, at the time of transfer, when the transfer amount is received from the deposit/withdrawal reception server 120, the transfer amount is transmitted to the funds transfer server 110, and processes such as adding the transfer amount to the balance of the management account are performed. In addition, at the time of withdrawal, when the withdrawal amount is received from the deposit/withdrawal reception server 120, a process of transmitting the withdrawal amount to the funds transfer server 110, and/or when a notification that withdrawal is possible is received from the funds transfer server 110, It transmits to the deposit/withdrawal reception server 120 that the withdrawal is possible, and also performs processing such as subtracting the withdrawal amount from the balance of the management account.

The customer terminal 142 is equipped with a camera and a virtual account application, and uses these to perform the following processing. For example, a transaction authentication code displayed on the ATM terminal 121 is scanned with a camera and transmitted to the funds transfer server 110. As a result, each transaction is identified in the virtual account providing system 100. Additionally, a group recognition code is received from the funds transfer server 110. The customer inputs the group recognition code displayed on the customer terminal 142 into the ATM terminal 121. As a result, when a plurality of virtual account service providing companies exist, the virtual account providing system 100 identifies the virtual account service providing company that virtually manages the virtual account used by the customer.

Next, the first withdrawal process using the customer terminal 142 will be explained using FIGS. 2 to 9. First, in step S211, the customer operates the ATM terminal 121 and selects "transaction with smartphone" (also referred to as cardless ATM menu) on the displayed screen (see FIG. 4).

In the next step S241, when the ATM terminal 121 sends a message to the ATM management server 122 that "transaction with smartphone" has been selected, the ATM management server 122 issues a transaction authentication code (QR code) and sends it to the ATM. It is transmitted to the terminal 121.

In the next step S242, the ATM terminal 121 receives the transaction authentication code from the ATM management server 122 and displays it (see FIG. 6).

In the next step S212, when the customer operates the customer terminal 142 to launch the virtual account application, logs in, and selects "ATM withdrawal", a screen explaining the "ATM withdrawal" method (see Figure 5) ) is displayed on the customer terminal 142. Then, when the customer presses "Next" on this screen (see FIG. 5), the camera of the customer terminal 142 is activated. When the customer points the camera at the transaction authentication code (QR code), the customer terminal 142 automatically photographs the transaction authentication code (QR code) and transmits the transaction authentication code to the funds transfer server 110.

In the next step S231, the funds transfer server 110 receives the transaction authentication code, and in step S232, associates the account (account number) of the virtual account service with the transaction authentication code, thereby linking the account of the virtual account and the current transaction. and are linked.

In the next step S233, the funds transfer server 110 issues an organization recognition code and transmits it to the customer terminal 142.

In the next step S213, the customer terminal 142 receives the organization recognition code and displays it on the screen (see "Company Number" in FIG. 7). Then, in the next step S214, the customer inputs the group recognition code displayed on the screen into the ATM terminal 121 (see FIG. 8).

In the next step S243, the ATM terminal 121 sends the input group recognition code to the ATM management server 122. In the next step S244, the ATM management server 122 sends the virtual account to the bank corresponding to the group recognition code. An inquiry message including the account number is transmitted to inquire of the management account management server 130 whether withdrawal is possible, that is, whether the management account management server 130 is within service provision hours, for example.

In step S221, the managed account management server 130 receives the inquiry, and in step S222, inquires of the funds transfer server 110 whether or not it is possible to withdraw money from the virtual account corresponding to this transaction.

In step S234, the funds transfer server 110 receives the inquiry from the management account management server 130, and in the next step S235, confirms the balance and/or withdrawal limit amount (status) of the virtual account corresponding to this transaction. , if there is a balance and/or if the maximum withdrawal amount has not been reached, the balance and/or the maximum withdrawal amount (answer, etc.) are sent to the management account management server 130 along with a response that withdrawal is possible, and the balance is If there is no withdrawal amount and/or if the withdrawal limit amount has been reached, a reply indicating that withdrawal is not possible is sent to the management account management server 130. Note that the maximum withdrawal amount includes the maximum amount per day and the maximum amount per virtual account.

In the next step S223, the managed account management server 130 receives the reply and the like. If a response indicating that withdrawals are possible is received, in step S224, the balance and/or the maximum withdrawal amount are transmitted to the ATM management server 122 along with the response that withdrawals are possible, and it is determined that withdrawals are not possible. If a response has been received, the managed account management server 130 sends a notification to the ATM management server 122 that withdrawals are not possible, and the ATM management server 122 informs the ATM terminal 121 that withdrawals are not possible. message is displayed and the process ends.

In the next step S245, the ATM management server 122 receives the balance and/or withdrawal limit amount from the managed account management server 130 along with a response that withdrawal is possible. Display the withdrawal screen (see Figure 9).

In the next step S215, the customer refers to the withdrawal screen displayed on the ATM terminal 121 and inputs the desired withdrawal amount and pre-registered password.

In the next step S247, the ATM terminal 121 sends the withdrawal amount and the PIN number to the ATM management server 122, and in the next step S248, the ATM management server 122 sends the withdrawal amount, account number, and PIN number to the managed account management server 130. is sent as a deposit/withdrawal signal.

In the next step S225, the managed account management server 130 uses the first communication unit to receive the withdrawal amount, account number, and password from the ATM management server 122 as a deposit/withdrawal signal. Then, in step S226, the withdrawal amount, account number, and password are transmitted to the funds transfer server 110 using the first communication unit.

In step S236, the funds transfer server 110 uses the second communication unit to receive the withdrawal amount, account number, and password as a deposit/withdrawal signal. In the next step S237, the funds transfer server 110 confirms that the PIN number is correct, subtracts the withdrawal amount from the balance of the virtual account corresponding to this transaction, records the withdrawal amount, and confirms that the PIN number is correct. If the deduction is successful, the successful withdrawal and/or fee is sent to the managed account management server 130 using the second communication unit. If the PIN is incorrect or the deduction cannot be made, the withdrawal will be processed. A notification to the effect that the money has failed is sent to the managed account management server 130 using the second communication unit.

In the next step S227, the managed account management server 130 receives the notification that the withdrawal was successful and the fee, or the notification that the withdrawal was unsuccessful. Then, in step S228, the managed account management server 130 transmits to the ATM management server 122 the successful withdrawal and the fee, or the unsuccessful withdrawal, and if the successful withdrawal is received, step S229 , the withdrawal amount and fees will be subtracted from the balance of the managed account.

In the next step S249, the ATM management server 122 receives the notification that the withdrawal was successful and the fee, or the notification that the withdrawal was unsuccessful. If the successful withdrawal and the fee are received, in the next step S250, the ATM terminal 121 displays the successful withdrawal and the fee on the screen, and discharges the withdrawal amount. If the ATM terminal 121 receives a notification to the effect that the withdrawal has failed, in step S250, the ATM terminal 121 displays the notification to the effect that the withdrawal has failed.

In step S216, the customer receives the cash or recognizes that the withdrawal has failed, and the process ends.

According to the first withdrawal process, even if a customer does not have an account with the virtual account service provider, the customer can virtually hold the money in the account without opening an account with the virtual account service provider. Customers can withdraw their own money.

Next, the first deposit processing will be explained using FIGS. 10 and 11. Processes that are the same as the first withdrawal process are given the same reference numerals and description thereof will be omitted. The processes in steps S211, S241, and S242 are the same as the first withdrawal process, so the description thereof will be omitted.

In step S1012, when the customer operates the customer terminal 142 to launch the virtual account application, logs in, and selects "ATM deposit", a screen explaining the "ATM deposit" method is displayed on the customer terminal 142. be done. Then, when you press "Next" on this screen, the camera is activated. When the customer points the camera at the transaction authentication code (QR code), the customer terminal 142 automatically photographs the transaction authentication code (QR code) and transmits the transaction authentication code to the funds transfer server 110. The processes of steps S241, S242, S231, S232, S233, S214, S215, and S243 are the same as the first withdrawal process, so the description thereof will be omitted.

In step S1044, the ATM management server 122 transmits an inquiry message to the bank corresponding to the group recognition code, that is, inquires of the managed account management server 130 whether or not it is possible to deposit money.

In step S1021, the managed account management server 130 receives the inquiry. Then, in step S1022, the fund transfer server 110 is inquired as to whether or not it is possible to deposit money.

In step S1034, the funds transfer server 110 receives the inquiry from the management account management server 130, and in the next step S1035, checks the maximum deposit amount of the virtual account corresponding to this transaction, and confirms that the maximum deposit amount has not been reached. In such cases, the maximum deposit amount is sent to the management account management server 130 along with a response that deposits are possible, and in cases where the maximum deposit amount has been reached, a response that deposits are not possible is transmitted to the management account management server 130. Note that the maximum deposit amount includes the maximum amount per day and the maximum amount per virtual account.

In the next step S1023, the managed account management server 130 receives the inquiry. In step S1024, if a response that deposits are possible is received, the maximum deposit amount is transmitted to the ATM management server 122 along with a response that deposits are possible, and if a response that deposits are not possible is received, In this case, the managed account management server 130 sends a message to the effect that depositing is not possible to the ATM management server 122, and the ATM management server 122 displays on the ATM terminal 121 that depositing is not possible, and the process ends.

In the next step S1045, the ATM management server 122 receives from the managed account management server 130 the answer that the deposit is possible and the maximum deposit amount, and in the next step S1046, the ATM management server 122 displays the deposit screen on the ATM terminal 121. (See Figure 12).

In the next step S1015, the customer refers to the deposit screen displayed on the ATM terminal 121 and deposits a desired amount into the ATM terminal 121.

In the next step S1047, the ATM terminal 121 counts the deposited amount and transmits the deposited amount to the ATM management server 122, and in the next step S1048, the ATM management server 122 receives the deposited amount from the ATM terminal 121, The deposited amount and account number are transmitted to the managed account management server 130 as a deposit/withdrawal signal.

In the next step S1025, the managed account management server 130 receives the deposited amount and account number as a deposit/withdrawal signal from the ATM management server 122 using the first communication unit. Then, in step S1026, the deposited amount and account number are transmitted as a deposit/withdrawal signal to the funds transfer server 110 using the first communication unit.

In step S1036, the funds transfer server 110 uses the second communication unit to receive the deposited amount and account number as a deposit/withdrawal signal, and in the next step S1037, the funds transfer server 110 receives the deposited amount and the account number as a deposit/withdrawal signal, and in the next step S1037, the deposited amount is in the balance of the virtual account corresponding to this transaction. is added and recorded, and if the addition is successful, a notification that the deposit was successful is sent to the managed account management server 130 using the second communication unit, and if the addition is not successful, a notification that the deposit has failed is sent to the managed account management server 130. The information is transmitted to the managed account management server 130 using the second communication unit.
do.

In the next step S1027, the managed account management server 130 receives the notification of successful deposit or failure of deposit. Then, in step S1028, the ATM management server 122 is sent a notification that the deposit was successful or failed, and if the successful deposit is received, the deposited amount is added to the balance of the management account in step S1029.

In the next step S1049, the ATM management server 122 receives the notification that the deposit was successful or failed. If the ATM terminal 121 receives the message that the deposit was successful, in the next step S1050, the ATM terminal 121 displays the message that the deposit was successful on the screen. If the ATM terminal 121 receives the notification that the deposit has failed, in step S1050, the ATM terminal 121 displays the notification that the deposit has failed on the screen and discharges the deposited amount.

In step S1016, the customer confirms successful deposit or receives cash, and this process ends.

According to the first deposit process, even if a customer does not have an account with the virtual account service provider, the customer's own money can be transferred virtually into the customer's own account without opening an account with the virtual account service provider. can be held.

Next, the transfer process will be explained using FIG. 13. Processes that are the same as the first withdrawal process or the first deposit process are given the same reference numerals and description thereof will be omitted.

First, in step S1311, when a third party makes a transfer to the account number of the customer's virtual account, the third party's transfer name, transfer amount, and account number of the virtual account are Sent to the system's server.

In the next step S1341, the server of the national bank data communication system transmits the transfer name, transfer amount, and account number as a deposit/withdrawal signal to the management account management server 130 of the virtual account service provider corresponding to the account number of the virtual account. Send as.

In the next step S1321, the managed account management server 130 uses the first communication unit to receive the transfer person's name, transfer amount, and account number as a deposit/withdrawal signal, and transmits these to the funds transfer server 110. After that, the process advances to steps S1322 and S1331. Then, in step S1322, after a predetermined time interval, the deposited amount is added to the deposit balance of the management account.

On the other hand, in step S1331, the funds transfer server 110 receives the deposit/withdrawal signal using the second communication unit, adds the deposited amount to the balance of the virtual account corresponding to this transaction based on the deposit/withdrawal signal, and transfers the amount. Record the person's name.

In the next step S1312, the customer can operate the customer terminal 142 to confirm whether or not there has been a transfer to the virtual account. Then, this process ends.

According to the transfer process, even customers who do not have an account with a virtual account service provider can have money transferred from a third party without opening an account with the virtual account service provider. , the customer's own money can be held virtually in the customer's own account.

According to this embodiment, an apparatus, system, and method for providing a virtual account that can hold a desired amount of money are obtained.

Note that the transaction authentication code is not limited to the QR code, and may also use characters such as alphanumeric characters and symbols, or figures. In this case, in step S213, the customer may photograph and input characters or figures with a camera, or input the characters or figures using the keyboard or touch panel of the customer terminal 142.

The virtual account providing system according to the second embodiment will be described below with reference to FIGS. 14 and 15. The virtual account providing system according to the second embodiment differs from the first embodiment in that a card (customer medium) is used instead of the customer terminal 142. Hereinafter, the same components as those in the first embodiment will be given the same reference numerals and the explanation will be omitted, and the different points will be mainly explained.

The card stores information such as the account number of the virtual account and the name of the virtual account holder in advance.
The account number includes a number that can identify the virtual account service provider. This number corresponds to the group recognition code in the first embodiment. In addition to at least one of the aforementioned processes, the ATM management server 122 and ATM terminal 121 read information stored in the card inserted into the ATM terminal 121 to determine whether deposits or withdrawals are possible. It is possible to perform processing such as making an inquiry to the managed account management server 130 of the virtual account service provider.

Next, the second withdrawal process using a card will be explained using FIG. 14. Processes that are the same as the first withdrawal process are given the same reference numerals and description thereof will be omitted. First, in step S1411, the customer inserts a card into the ATM terminal 121.

In the next step S1441, when the ATM terminal 121 reads information such as the account number of the virtual account and the name of the virtual account holder stored in the card and sends it to the ATM management server 122, the ATM management server 122 reads these information. The information is sent to the managed account management server 130.

In step S221, the management account management server 130 receives this information, and in step S222, it inquires of the funds transfer server 110 whether or not it is possible to withdraw money from the virtual account corresponding to this transaction. The subsequent processing is the same as step S234 and subsequent steps of the first withdrawal processing, so the explanation will be omitted.

According to the second withdrawal process, even if a customer does not have an account with the virtual account service provider, the customer can virtually hold the money in the account without opening an account with the virtual account service provider. Customers can withdraw their own money. Furthermore, customers who do not have a mobile terminal such as a smartphone can virtually hold money in their account and withdraw their own money without opening an account with a virtual account service provider.

Next, the second deposit process using a card will be explained using FIG. 15. Processes that are the same as the first deposit process are given the same reference numerals and explanations will be omitted. First, in step S1511, the customer inserts a card into the ATM terminal 121.

In the next step S1541, when the ATM terminal 121 reads information such as the account number of the virtual account and the name of the virtual account holder stored in the card and sends it to the ATM management server 122, the ATM management server 122 reads these information. The information is sent to the managed account management server 130.

In step S1021, the management account management server 130 receives this information, and in step S1022, it inquires of the funds transfer server 110 whether or not it is possible to deposit money into the virtual account corresponding to this transaction. The subsequent processing is the same as step S1034 and subsequent steps in the first deposit processing, so the description thereof will be omitted.

According to the second deposit process, even if a customer does not have an account with the virtual account service provider, the customer's own money can be transferred virtually to the customer's own account without opening an account with the virtual account service provider. can be held. Furthermore, even customers who do not have a mobile terminal such as a smartphone can virtually hold their own money in their own account without opening an account with a virtual account service provider.

According to this embodiment, an apparatus, system, and method for providing a virtual account that can hold a desired amount of money are obtained.

Note that in the second withdrawal process, the customer may be asked to input a personal identification number using the ATM terminal 121, and this may be used to authenticate the customer. The PIN number, along with the information stored on the card, is sent to the virtual account provision system and authenticated at the funds transfer server 110. Furthermore, the virtual account providing system according to the second embodiment can also execute the transfer process according to the first embodiment.

Note that in each of the embodiments, the customer authentication has been described as being performed by the funds transfer server 110, but it may also be performed by the managed account management server 130.

Further, the customer medium is not limited to those described above, and may be anything that can identify the customer, such as a device including an IC or a memory.

Furthermore, although the virtual account providing system has been described as being able to execute all of the withdrawal, deposit, and transfer processes, it may also be able to execute only one of these processes, and both the customer terminal 142 and the card can be used. It may be.

Note that the sum of the balances of all virtual accounts may or may not match the balance of the management account. The managed account only needs to have a balance sufficient to withdraw money from the virtual account. The balance of the management account may be adjusted to an appropriate amount, such as the expected amount of deposits and withdrawals to the virtual account.

While embodiments of the invention have been described with reference to the accompanying drawings, it will be apparent to those skilled in the art that modifications may be made in the structure and relationships of the parts without departing from the scope and spirit of the invention as described. It is self-evident.

100 Virtual account provision system 110 Funds transfer server 120 Deposit/withdrawal reception server 121 ATM terminal 122 Management server 130 Management account management server 142 Customer terminal 151 Dedicated line 152 Zengin Domestic Money Transfer Network (National Bank Data Communication System)

Claims (12)

a funds transfer unit that increases or decreases the balance of the virtual account based on deposit/withdrawal signals for the virtual account ;
a management account management unit that increases or decreases the deposit balance of a management account that holds funds deposited into the virtual account or funds withdrawn from the virtual account based on the deposit/withdrawal signal ;
The funds transfer unit provides an organization recognition code indicating the organization having the managed account management unit to a customer terminal operated by a customer who deposits or withdraws money from the virtual account,
The managed account management unit receives the deposit/withdrawal signal for the virtual account from the deposit/withdrawal reception unit that accepts deposits or withdrawals for the virtual account based on the group recognition code provided to the customer terminal;
The managed account is provided at a virtual account service provider, and the virtual account is virtually given to each customer different from the virtual account service company . 2. The virtual account device according to claim 1, wherein the funds transfer unit specifies a transaction to be deposited or withdrawn from the virtual account using a customer terminal operated by a customer who deposits or withdraws money from the virtual account. 2. The virtual account device according to claim 1, wherein the funds transfer unit specifies a transaction to deposit or withdraw money from the virtual account using a card owned by the customer who deposits or withdraws money from the virtual account. A deposit/withdrawal reception unit that accepts deposits or withdrawals from the virtual account provides a transaction authentication code for authenticating the transaction;
The virtual account device according to claim 1 , wherein the funds transfer unit authenticates the transaction in response to a signal from a customer terminal that recognizes the transaction authentication code. The managed account management unit receives a withdrawal amount from a deposit/withdrawal acceptance unit that accepts deposits or withdrawals to the virtual account, and transmits the withdrawal amount to the funds transfer unit;
The funds transfer unit subtracts the received withdrawal amount from the balance of the virtual account and transmits a notification that withdrawal is possible to the managed account management unit,
The virtual account according to any one of claims 1 to 4 , wherein the managed account management unit subtracts the withdrawal amount from the balance of the managed account when receiving from the funds transfer unit that the withdrawal is possible. Device. The managed account management unit receives the deposited amount from the deposit/withdrawal acceptance unit that accepts deposits or withdrawals to the virtual account, and transmits the deposited amount to the funds transfer unit,
The funds transfer unit adds the received input amount to the balance of the virtual account and transmits a notification that the deposit has been completed to the managed account management unit,
6. The virtual account device according to claim 1, wherein the managed account management unit adds the deposited amount to the balance of the managed account when receiving a notification from the funds transfer unit that the deposit has been completed. The managed account management unit transmits the received transfer amount to the funds transfer unit, and adds the transferred amount to the balance of the managed account,
7. The virtual account device according to claim 1, wherein the funds transfer unit adds the transfer amount to the balance of the virtual account when receiving the transfer amount from the managed account management unit. a first communication unit that receives deposit and withdrawal signals for the virtual account;
a management account management unit that increases or decreases the deposit balance of a management account that holds funds deposited into the virtual account or funds withdrawn from the virtual account based on the deposit/withdrawal signal;
Equipped with
The first communication unit transmits the deposit/withdrawal signal to a funds transfer unit that increases or decreases the balance of the virtual account based on the deposit/withdrawal signal;
The funds transfer unit increases or decreases the balance of the virtual account based on the deposit/withdrawal signal for the virtual account, and also transfers an organization recognition code indicating the organization having the managed account management unit to the virtual account. or provided to the customer terminal operated by the customer making the withdrawal,
The managed account management unit receives the deposit/withdrawal signal for the virtual account from the deposit/withdrawal reception unit that accepts deposits or withdrawals for the virtual account based on the group recognition code provided to the customer terminal;
The management account is provided at a virtual account service provider, and the virtual account is virtually given to each customer different from the virtual account service company . a second communication unit that receives deposit and withdrawal signals for the virtual account;
a funds transfer unit that increases or decreases the balance of the virtual account based on the deposit/withdrawal signal;
Equipped with
The second communication unit sends a message to a managed account management unit that increases or decreases the balance of a managed account that holds funds deposited into the virtual account or funds withdrawn from the virtual account based on the deposit/withdrawal signal. Before sending the deposit and withdrawal signal,
The funds transfer unit increases or decreases the balance of the virtual account based on the deposit/withdrawal signal received by the second communication unit.
The funds transfer unit provides an organization recognition code indicating the organization having the managed account management unit to a customer terminal operated by a customer who deposits or withdraws money from the virtual account,
The managed account management unit receives the deposit/withdrawal signal for the virtual account from the deposit/withdrawal reception unit that accepts deposits or withdrawals for the virtual account based on the group recognition code provided to the customer terminal;
The managed account is provided at a virtual account service provider, and the virtual account is virtually granted to each customer different from the virtual account service company.
Funds transfer device. a deposit/withdrawal reception department that accepts deposits or withdrawals from virtual accounts;
a funds transfer unit that increases or decreases the balance of the virtual account based on deposit/withdrawal signals for the virtual account ;
a management account management unit that increases or decreases the deposit balance of a management account in which funds deposited into the virtual account or funds withdrawn from the virtual account are kept based on the deposit/withdrawal signal ;
a customer medium that authenticates transactions for the virtual account ;
The funds transfer unit provides an organization recognition code indicating the organization having the managed account management unit to a customer terminal operated by a customer who deposits or withdraws money from the virtual account,
The managed account management unit receives the deposit/withdrawal signal for the virtual account from the deposit/withdrawal reception unit that accepts deposits or withdrawals for the virtual account based on the group recognition code provided to the customer terminal;
The managed account is provided at a virtual account service provider, and the virtual account is virtually given to each customer different from the virtual account service company . a fund transfer step in which the fund transfer unit increases or decreases the balance of the virtual account given to each customer based on the deposit/withdrawal signal for the virtual account ;
a virtual account providing step in which a managed account management unit increases or decreases the deposit balance of a managed account in which funds deposited into the virtual account or funds to be withdrawn from the virtual account are kept, based on the deposit/withdrawal signal ;
a step in which the funds transfer unit provides an organization recognition code indicating the organization having the managed account management unit to a customer terminal operated by a customer who deposits or withdraws money from the virtual account;
The managed account management unit receives the deposit/withdrawal signal for the virtual account from the deposit/withdrawal reception unit that accepts deposits or withdrawals for the virtual account based on the group recognition code provided to the customer terminal. and
Equipped with
The managed account is provided at a virtual account service provider, and the virtual account is virtually granted to each customer different from the virtual account service company.
Virtual account provision method. The input/withdrawal signal includes the withdrawal amount;
The fund transfer step includes a step in which the fund transfer unit subtracts the withdrawal amount from the balance of the virtual account and transmits a notification that withdrawal is possible to the management account management unit,
12. The step of providing a virtual account includes the step of subtracting the withdrawal amount from the balance of the management account when the management account management section receives from the funds transfer section that the withdrawal is possible. virtual account provision method.

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