JP2017123042A - Settlement system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To avoid occurrence of unauthorized use while clarifying whether payment is permitted or not just before a user such as an employee is provided with service and purchases products.SOLUTION: Use reception means 12 receives an account use request from a user. Deposit instruction means 28 transmits deposit instructions to an account side system 30 based on instructions of a manager so that an amount corresponding to a use amount is deposited. Upon receiving a use request, use start instruction means 22 of a use side system 10 transmits use start instructions to the account side system 30 that enables draw-down from an account 39 based on instructions of the manager. Draw-down permission means 14 transmits instructions to permit draw-down from the account 39 using a settlement code to a payee system 40 by instructions of a user. When draw-down is completed, instructions of account use stop are given to the account system 30.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a system that allows a user to perform payment settlement from an account under the approval of a manager.

  Patent Document 1 discloses a system for performing expense settlement using a credit card. In this system, an employee can change the billing destination to a company for some or all of them based on the card usage details. As a result, the expense can be easily settled without fail.

JP 2003-208557 A

  In the above prior art, an entity such as a company that is supposed to make a payment checks the contents of the expense for which the billing destination has been changed, and determines whether or not it is possible. However, in the above-mentioned conventional technology, the check of the entity that should pay primarily, such as a company, is after the employee has already provided the service or purchased the product. There is a problem of not becoming.

  Therefore, a system such as Patent Document 1 is suitable for a relatively small amount of money or a transportation fee that is recognized as an expense in most cases, but it is relatively expensive and is recognized as an expense such as a seminar attendance fee. There was a problem that it was not suitable for those that were not clear whether or not it was possible.

  This invention solves the above-mentioned problems, and it is clear whether or not payment is possible immediately before a user such as an employee receives a service offer or purchases a product, and avoids the occurrence of unauthorized use. It aims at providing the system which can do.

  The following are some features that can be applied independently of the present invention.

(1) (2) A settlement system according to the present invention is a settlement system comprising a user side system and an account side system,
The usage-side system accepts a usage request including a usage amount by a user, and receives a payment instruction for instructing payment corresponding to the usage amount to the account based on the operation of the administrator to the account-side system. In response to the usage request, a payment instructing means for transmitting, a usage start instructing means for transmitting to the account-side system a usage start instruction that enables withdrawal from an account based on an operation by an administrator, and a user The withdrawal permission means for sending the withdrawal permission to the payee system, and the suspension of use for sending the suspension notice to the account side system that makes withdrawal from the account impossible upon receipt of the withdrawal notice from the account side system An instruction means,
The account side system receives the deposit instruction and deposits processing corresponding to the usage amount for the account, and receives the use start instruction, and makes the account usable. When the account use start control means and the payee system that has received the withdrawal permission receive the withdrawal instruction transmitted in response to the withdrawal status, the withdrawal processing corresponding to the usage amount is A debit processing means for making an account use, and an account use stop control means for receiving the use stop instruction and making the account unusable.

  Therefore, when the withdrawal is necessary, the account is deposited and withdrawal can be made from the account, so that illegal payment can be prevented.

(3) The settlement system according to the present invention is characterized in that the user system includes a user device and an administrator device.

  Therefore, safety can be further enhanced.

(4) In the settlement system according to the present invention, the user device is provided with a usage acceptance means, the administrator device is provided with a deposit instruction means, a usage start instruction means, and a usage stop instruction means, and the usage acceptance means is used. The request is transmitted to the manager device.

  Therefore, the present invention can also be applied when a user device is provided separately from the administrator device.

(5) (9) The administrator device according to the present invention includes, based on the operation of the administrator, a deposit instruction means for transmitting a deposit instruction for instructing a deposit corresponding to the use amount for the account to the account side system, and a user In response to the use request from the user, based on the operation of the administrator, the use start instruction means for transmitting the use start instruction to make the account available to the account side system and the withdrawal notification from the account side system, And a use stop instruction means for transmitting a use stop instruction for making the account unusable to the account side system.

  Therefore, when the withdrawal is necessary, the account is deposited and withdrawal can be made from the account, so that illegal payment can be prevented.

(6) (10) The administrator device according to the present invention provides an account side system with a payment code change instruction that instructs a change of the payment code associated with the withdrawal from the account based on the operation of the administrator. The settlement code change instruction means to be transmitted, and the settlement code transmitted from the account side system in response to the settlement code change instruction can be transmitted together with the withdrawal permission to the account side system by the user device via the payment destination system. And a settlement code notification means for transmitting to the user device.

  Therefore, the payment code can be changed, and safety can be improved.

(7) (11) The administrator device according to the present invention further includes operation screen browsing means for browsing the operation screen of the user device after transmitting the settlement code to the user device.

  Therefore, it is possible to prevent unauthorized application by the user and cope with an operation error.

(8) (12) In the manager device according to the present invention, the manager device includes an accounting manager device and a financial manager device, and the accounting manager device receives a use request received from the user device. The financial manager device comprises means for transmitting to the financial manager device, wherein the financial manager device comprises the deposit instruction means, the use start instruction means, and the use stop instruction means.

  Therefore, since the accounting manager and the financial manager are separated, settlement can be performed more safely.

(13) (16) A server apparatus according to the present invention includes a deposit instruction means for transmitting a deposit instruction instructing a deposit corresponding to a use amount for an account received from an administrator apparatus to the account side system, and a user apparatus. In response to the usage request received from the administrator device, based on an instruction from the administrator device, a usage start instruction means for transmitting an account usage start instruction to the account side system and a withdrawal notification from the account side system are received. And a use stop instruction means for sending a use stop instruction for making the account unusable to the account side system.

  Therefore, when the withdrawal is necessary, the account is deposited and withdrawal can be made from the account, so that illegal payment can be prevented.

(14) (17) The server device according to the present invention provides an account-side system for issuing a settlement code change instruction for instructing a change of a settlement code associated with withdrawal from the account based on an instruction from an administrator device. A payment code change instruction means to be transmitted to the user, and in response to the payment code change instruction, the user device can transmit the payment code transmitted from the account side system to the account side system through the payee system together with a withdrawal permission. As described above, a payment code notification means for transmitting to the user device is provided.

  Therefore, the payment code can be changed, and safety can be improved.

(15) (18) The server device according to the present invention includes an operation screen browsing control unit that allows the operation screen of the user device to be viewed from the administrator device after the payment code is transmitted to the user device. It is said.

  Therefore, it is possible to prevent unauthorized application by the user and cope with an operation error.

(A) The administrator device according to the present invention is configured so that at least one of the use start instruction unit, the deposit instruction unit, and the use stop instruction unit is used to confirm the validity of the instruction when transmitting the instruction. It is characterized by sending a password.

  Therefore, safety can be further increased.

(B) After sending the payment code, the administrator device according to the present invention enables the user device to send the password associated with the payment code together with the payment code to the account side system via the payment destination system. And password notifying means for transmitting to the user device.

  Therefore, the payment code can be used more safely.

(C) The administrator device according to the present invention is configured such that the withdrawal code is stored in the credit card by the payee system even though the withdrawal from the account is executed immediately when the withdrawal permission is given to the account side system. It is characterized by being a number that can be recognized as a number.

  Therefore, it is possible to safely apply with a credit card number.

  In the embodiment, “use accepting means” corresponds to step S21.

  In the embodiment, “payment instructing means” corresponds to steps S42 and S204.

  In the embodiment, “use start instruction means” corresponds to steps S23 and S206.

  In the embodiment, “withdrawal permission means” corresponds to steps S3 and S211.

In the embodiment, “use stop instruction means” corresponds to steps S29 and S214. “Deposit processing means” corresponds to this in step S61 in the embodiment.

  In the embodiment, “account use start control means” corresponds to step S62.

  In the embodiment, “withdrawal processing means” corresponds to step S64.

  In the embodiment, “account use suspension control means” corresponds to step S66.

  The “settlement code” refers to a code necessary for making a withdrawal from an account, and is a concept including a credit card number, an account number, and the like associated with the account.

  “Enabling account withdrawal” means not only changing the status of the account so that it can be directly withdrawn from the account, but also enabling the use of a credit card associated with the account. It is a concept that also includes

  The “program” is a concept that includes not only a program that can be directly executed by the CPU, but also a source format program, a compressed program, an encrypted program, and the like.

It is a functional block diagram of the withdrawal system by one Embodiment of this invention. It is an apparatus block diagram of a withdrawal system. This is a hardware configuration of the accounting manager device 23. It is a flowchart of a payment process. It is a flowchart of a payment process. It is a flowchart of a payment process. It is a flowchart of a payment process. It is a screen of a card use request. It is a confirmation screen of a card use request. It is a screen of card use stop / resume setting. This is a screen for changing the card number. It is a functional block diagram of the payment system by 2nd embodiment. It is an apparatus configuration of a payment system. This is a hardware configuration of the server device 90. It is a flowchart of a payment process. It is a flowchart of a payment process. It is a flowchart of a payment process. It is a flowchart of a payment process.

1. First embodiment
1.1 Overall Configuration of Payment System FIG. 1 shows a functional block diagram of a payment system according to an embodiment of the present invention. In this embodiment, the payment system includes a use side system 10 and an account side system 30.

  The use accepting unit 12 accepts an account use request from a user. This account usage request includes information on the usage amount that is to be withdrawn from the account. Upon receipt of the use request, the deposit instruction means 28 transmits a deposit instruction to the account side system 30 so as to deposit an amount corresponding to the amount of use based on an instruction from the administrator.

  The deposit processing means 38 of the account side system 30 receives the deposit instruction and performs a process for depositing into the account 39.

  When receiving the usage request, the usage start instructing means 22 of the usage side system 10 transmits a usage start instruction enabling the withdrawal from the account 39 to the account side system 30 based on an instruction from the administrator.

  The account use start control means 32 of the account side system 30 receives this use start instruction and puts it into a usable state where it can be withdrawn from the account 39.

  The payment code changing means 26 of the user side system 10 transmits a payment code change instruction to the account side system 30 based on an instruction from the administrator. The settlement code return means 36 of the account side system 30 returns a new settlement code to the user side system 10. The settlement code notification means 29 of the user side system 10 receives the returned settlement code and notifies the withdrawal permission means 14.

  The withdrawal permitting means 14 transmits an instruction for permitting withdrawal from the account 39 using the settlement code to the payee system 40 according to an instruction from the user. At this time, the above settlement code is also transmitted. The payment destination system 40 is, for example, a payment system for a website for applying for purchase of goods or provision of services.

  The payee system 40 instructs to withdraw the amount corresponding to the usage amount from the account 39 based on the withdrawal permission. The withdrawal processing means 37 of the account side system 30 judges the validity of the settlement code included in this withdrawal instruction and performs withdrawal from the account 39.

  The use stop instruction means 24 of the use side system 10 transmits a use stop instruction to the account side system 30 in accordance with an instruction from the administrator. In response to this, the account use stop control means 34 of the account side system 30 puts it into an unusable state where it cannot be withdrawn from the account 39 using the settlement code.

As described above, with the prior consent of the administrator, the user can instruct withdrawal from the account 39 and apply for product purchase or service provision.

1.2 System hardware configuration Figure 2 shows the hardware configuration of the payment system. In this embodiment, the user side system 10 is configured to include a user device 15 and an administrator device 20. Further, the manager device 20 is configured to include an accounting manager device 23 operated by an accounting officer and a financial manager device 25 operated by a finance officer.

  In this embodiment, the account side system 30 is configured to include a card control system 31 and an account control system 35.

  The user device 15, the accounting manager device 23, and the financial manager device 25 are connected by a LAN and can communicate with each other. In addition, the user device 15, the accounting manager device 23, and the financial manager device 25 can communicate with the payee system 40 and the account side system 30 via the Internet or the like.

  FIG. 3 shows a hardware configuration of the accounting manager device 23. A memory 52, a display 54, a hard disk 56, a DVD-ROM drive 58, a keyboard / mouse 60, and a communication circuit 62 are connected to the CPU 50.

  The communication circuit 62 is a circuit for connecting to a LAN or the Internet. An operating system 64 and an accounting management program 66 are recorded on the hard disk 56. The accounting management program 66 performs its function in cooperation with the operating system 64. These programs are those recorded on the DVD-ROM 68 and installed on the hard disk 56 via the DVD-ROM drive 58.

  The hardware configurations of the financial administrator device 25 and the user device 15 are the same as those in FIG. However, in the financial manager device 25, a financial management program is recorded on the hard disk 56 instead of the accounting management program 66. In the user device 15, a usage program is recorded on the hard disk 56 instead of the accounting management program 66.

The hardware configurations of the card control system 31 and the account control system 35 are the same. However, the difference is that the card control program and the account control program are recorded in the hard disk 56.

1.3 Settlement Processing FIGS. 4 to 7 show a user device 15 (use program), an accounting manager device 23 (accounting management program), a financial manager device 25 (financial management program), an account side system 30, payment in the settlement processing. The process flowchart of the former system 40 is shown. The CPU of each device performs processing according to each program.

  A user who wishes to withdraw from an account in order to receive product purchases and service inputs a usage request to the user device 15. The usage request input by the user includes the service name, product name, usage fee, etc. of the usage destination. In response to this, the CPU of the user device 15 (hereinafter sometimes abbreviated as “user device 15”) transmits a use request to the accounting manager device 23 (step S1). FIG. 8 shows a card use request screen in the user device 15. The user inputs a payment destination, a usage amount, payment contents, a user NO (employee number, etc.), a user name, and presses a send button.

  The CPU 50 of the accounting management apparatus 23 (hereinafter may be abbreviated as accounting management apparatus 23) displays the received usage request on the display 54 (step S21). FIG. 9 shows the displayed confirmation screen.

  The accounting manager clicks the approval button displayed on the display 54 if the content of the displayed usage request is confirmed and permitted. As a result, the accounting management device 23 transmits a payment request indicating the account number of the payment source account and the usage amount to the financial management device 25 (step S22). Note that the account number recorded in advance on the hard disk 56 is used as the payment source account.

  The CPU of the financial manager device 25 (hereinafter sometimes abbreviated as “financial management device 25”) receives the deposit request and displays it on the display (step S41). If the financial administrator confirms and accepts the displayed deposit request, the financial manager clicks the approval button displayed on the display. Thereby, the financial manager device 25 transmits an instruction for depositing the usage amount to the withdrawal account indicated by the account number to the account side system 30 (account control system 35) (step S42).

  In response to this, the account side system 30 (account control system 35) performs a deposit process for the withdrawal account (step S61). To the computer that manages the payment source account so that the received usage amount is deposited into the withdrawal account based on the account number of the received payment source account and the predetermined account number of the withdrawal account Send a command.

  This depositing process may be performed by a person. In this case, the financial manager device 25 outputs a deposit instruction at the printer in step S42. The financial manager performs deposit processing to the withdrawal account according to this instruction.

  When the deposit is completed as described above (when the transmission of the deposit instruction is completed), the financial manager device 25 transmits a deposit confirmation notification to the accounting manager device 23 (step S43).

  The accounting manager device 23 that has received the payment confirmation notification transmits a use suspension cancellation request to the account side system 30 (card control system 31) (step S23). This use suspension cancellation request includes the account number of the withdrawal account and the card number linked to the account number (recorded in advance in the accounting manager device 23). Upon receipt of the request for canceling the use suspension, the account side system 30 (card control system 31) cancels the use suspension so as to enable the withdrawal process from the withdrawal account with the card number (step S62). For example, the flag indicating whether the withdrawal process is enabled or disabled is changed to be possible. The account-side system 30 (card control system 31) notifies the accounting manager device 23 that the suspension of use has been canceled (together with the card number).

  Receiving the notification, the accounting manager device 23 transmits a request for changing the card number associated with the withdrawal account to the account side system 30 (card control system 31) (step S24). In response to this, the account side system 30 (card control system 31) changes the card number recorded in the hard disk. The new card number is generated according to the rules required for credit card numbers based on random numbers. The account side system 30 (card control system 31) transmits a new card number to the accounting manager device 23 (step S63). When sending the card number, a password associated with the card number may be sent together.

  The accounting manager device 23 receives this new card number and updates the card number (and password) recorded in the hard disk 56 (step S25). Subsequently, the accounting manager device 23 transmits a card number (and a password) to inform the user device 15 that preparations for using the withdrawal account are complete (step S26). Subsequently, the accounting manager device 23 controls to share the display screen with the user device 15 (step S27). Therefore, the accounting manager can view the operation screen of the user device 15 by the user from the accounting manager device 23. In this embodiment, the screen sharing is used. However, the screen of the user device 15 may only be viewed from the accounting manager device 23.

  Subsequently, the user operates the user device 15 to access the payment destination system 40 (payment destination website) to apply for application information such as the applicant's name, application contents, and usage amount, and for payment. A card number (and password) is input (step S2). Further, the application information / card number is transmitted from the user device 15 to the payee system 40 by the user's operation (step S3). In response to this, if the payee system 40 determines that the application is valid (determines the validity of the card number, etc.), it returns an order completion notification to the user device 15 (step S81). In response to this, the user device 15 ends the screen sharing process with the accounting manager device 23 (step S28).

  Based on the received application information / card number and pre-recorded payee account information, the payee system 40 deducts the usage amount from the withdrawal account to the account side system 30 (card control system 31). An instruction is given (step S82). In response to this, the card control system 31 determines the validity of the card number, and withdraws the usage amount from the withdrawal account via the account control system 35 (step S64).

  The account side system 30 (card control system 31) transmits a settlement completion notification to the accounting manager device 23 and the financial manager device 25 (step S65). Receiving this, the accounting manager device 23 transmits a card number use stop request to the account side system 30 (step S29). The account side system 30 (card control system 31) performs a card number use stop process (step S66). For example, the availability flag is changed to unavailable. The account side system 30 (card control system 31) transmits information that the use of the card number has been stopped to the accounting manager device 23 and the financial manager device 25 (step S67).

As described above, payment by credit card number can be performed safely. Since the withdrawal account does not contain any balance at the normal time, it is deposited into the withdrawal account only when necessary and can be used. In this embodiment, an account-side system is used in which a withdrawal is made immediately from a withdrawal account while using a credit card number. For example, JNB cardless Visa debit (trademark) of Japan Net Bank can be used.

1.4 Other embodiments
(1) In the above embodiment, the process is performed in steps S23, S24, S25, S26, and S29 without the operator's operation. However, an operator's operation may be interposed between some or all of them.

  For example, in steps S23 and S29, a “card use suspension / resumption setting” screen as shown in FIG. 10 may be displayed, and the accounting manager may perform the operation. The button 45 of the changed setting status is pressed, a pull-down menu is displayed, and the changed status (stopped or restarted) is selected. Furthermore, when a predetermined password is input and the setting button 47 is clicked, a use suspension release request or a use suspension request is transmitted.

  In step S24, a “card number change” screen as shown in FIG. 11 may be displayed, and the accounting manager may perform the operation. By inputting the password in the same manner as described above and clicking the change button 49, a card number change request is transmitted.

  In addition, you may make it use the password displayed on the apparatus (token) which issues a one-time password in order predetermined with respect to the account side system.

(2) In the above embodiment, the accounting manager device 23 and the financial manager device 25 are separate devices, but may be a single device. For example, when the same person serves as both an accounting manager and a financial manager, this is preferable.

(3) In the above embodiment, the card number is notified (step S26) before screen sharing. However, this may be done after screen sharing.

(4) In the above embodiment, the card number is used for the purchase of goods or the application for service. However, this system can also be used in the case where approval is given by showing a card number as a premise for purchasing goods or receiving services. This is because, in the approval of the card number, there may be a condition that the withdrawal account has a remaining amount of a predetermined amount (for example, 200 yen) or more. In this case, a predetermined amount is deposited in the withdrawal account until the approval is completed.

(5) In the above embodiment, the amount of money just used is deposited in order to make the balance zero after the withdrawal. However, in the case of withdrawal in a currency different from the currency of the withdrawal account, an error occurs depending on the rate. In such a case, after the withdrawal from the withdrawal account is completed, if there is a balance, the right manager device 23 performs a process of returning the balance to the withdrawal account. Further, when the account balance of the withdrawal account is negative (that is, when borrowing from the account side system), the depositing process to the withdrawal account is performed according to the notification amount from the account side system.

(6) In the above-described embodiment, the case has been described in which the withdrawal is immediately made from the withdrawal account. However, depending on the payee system 40, there may be a case where the withdrawal instruction is not issued until a predetermined time (a predetermined number of days) has elapsed since the completion of the order (step S81). In this case, the process waits until the withdrawal is completed.

(7) In the above embodiment, a credit card number is used as the withdrawal code. In particular, in the above-described embodiment, a number that is recognized as a credit card number is generated and used in spite of being debited immediately. In other embodiments, numbers other than credit card numbers may be used.

  As the withdrawal code, in addition to the original credit card number, a number for withdrawing cash may be used.

(8) In the above embodiment, when the payment system 40 receives an application with a card number and determines the validity of the card number or the like, the payment system 40 determines that the application is correct and sends an order completion notification to the user device. (Step S81). However, after confirming whether or not correct withdrawal has been performed in response to the withdrawal instruction (step S82), it may be determined that the application is correct and an order completion notification may be transmitted to the user device.

(9) In the above embodiment, the case where a company employee becomes a user has been described. However, the present invention can be generally applied when there is an administrator who manages the user's actions.

(10) Each of the above modifications can be similarly applied to the second embodiment as long as it does not contradict its essence.

2. Second embodiment
2.1 Overall Configuration of System FIG. 12 shows a functional block diagram of a payment system according to the second embodiment. In the first embodiment, the use side system 10 communicates with the account side system 30 to proceed with the processing. However, in this embodiment, a server device 90 is provided, and the server device 90 communicates with the account side system 30 to advance the process. The function of each means is the same as in FIG. In this embodiment, the withdrawal permission means 14 is not provided in the server device 90 but is provided in a user system (not shown). The server device 90 may be provided with the withdrawal permission means 14.

2.2 System Hardware Configuration FIG. 13 shows the system configuration of the payment system. Although the configuration is the same as that of FIG. 2, this embodiment is different in that a server device 90 is further provided.

  FIG. 14 shows a hardware configuration of the server device 90. A memory 152, a communication circuit 154, a hard disk 156, and a DVD-ROM drive 158 are connected to the CPU 150.

  The communication circuit 154 is a circuit for connecting to a LAN or the Internet. An operating system 164 and a server program 166 are recorded on the hard disk 156. The server program 166 performs its function in cooperation with the operating system 164. These programs are those recorded on the DVD-ROM 168 and installed on the hard disk 156 via the DVD-ROM drive 158.

In this embodiment, a browser program is installed in the user device 15, the accounting manager device 23, and the financial manager device 25 so as to exchange with the server device 90.

2.3 Payment Processing FIGS. 15 to 18 show processing flowcharts of the user device 15 (browser program), the accounting manager device 23 (browser program), the financial manager device 25 (browser program), and the account side system 30 in the payment processing. Show. The CPU of each device performs processing according to each program.

  In order to receive purchase of goods and provision of services, a user who wishes to withdraw from a withdrawal account accesses the server device 90 and requests transmission of a use request screen. In response to this, the CPU 150 of the server device 90 (hereinafter sometimes abbreviated as the server device 90) transmits a use request screen to the user device 15 (step S201). The user inputs a usage request on the usage request screen. The usage request input by the user includes the service name, product name, usage fee, etc. of the usage destination. The CPU of the user device 15 (hereinafter sometimes abbreviated as the user device 15) transmits a use request to the server device 90 (step S101). The use request screen is the same as in FIG.

  Upon receiving the use request, the server device 90 transmits the contents of the use request to the accounting manager device 23 (step S202). The CPU 50 of the accounting manager device 23 (hereinafter sometimes abbreviated as the accounting manager device 23) displays the received use request on the display 54 (step S121). FIG. 9 shows a confirmation screen for the displayed usage request. The payment source account is displayed on the hard disk 56 using an account number recorded in advance.

  The accounting manager clicks the approval button displayed on the display 54 if the content of the displayed usage request is confirmed and permitted. Thereby, the accounting management apparatus 23 transmits the payment request which showed the account number of the payment origin account, and the usage amount to the server apparatus 90 (step S122).

  The server device 90 that has received the deposit request transmits this to the financial manager device 25 (step S203). The CPU of the financial manager device 25 (hereinafter sometimes abbreviated as “financial management device”) receives the deposit request and displays it on the display (step S141). If the financial administrator confirms and accepts the displayed deposit request, the financial manager clicks the approval button displayed on the display. Thereby, the financial manager device 25 transmits an instruction for depositing the usage amount to the withdrawal account indicated by the account number to the server device 90 (step S142).

  Receiving the deposit instruction, the server device 90 transmits this to the account side system 30 (account control system 35) (step S204). In response to this, the account side system 30 (account control system 35) performs a deposit process for the withdrawal account (not shown). Based on the received account number of the payment source account and a predetermined account number of the withdrawal account, command the computer that manages the payment source account to deposit the received usage amount into the account Send.

  This depositing process may be performed by a person. In this case, the financial manager device 25 outputs a deposit instruction on the printer in step S142. The financial manager performs deposit processing to the withdrawal account according to this instruction.

  When the deposit is completed as described above (when the transmission of the deposit instruction is completed), the server device 90 transmits a deposit confirmation notification to the accounting manager device 23 (step S205). In this embodiment, if a deposit instruction is transmitted in step S204, a deposit confirmation notification is made. However, the payment confirmation notification may not be performed until the payment is notified from the account side system 30.

  When the payment confirmation notification is transmitted, the server device 90 then transmits a use suspension cancellation request to the account side system 30 (card control system 31) (step S206). This use suspension cancellation request includes the account number of the withdrawal account and the card number linked to the account number (recorded in advance in the accounting manager device 23). Upon receipt of the usage suspension cancellation request, the account side system 30 (card control system 31) cancels the usage suspension so that the withdrawal process from the withdrawal account can be performed (not shown).

  When the use suspension cancellation request is transmitted (or when the use suspension cancellation completion is received from the account side system 30), the server device 90 sends a request for changing the card number associated with the withdrawal account to the account side system 30 (card It transmits to the control system 31) (step S207). In response to this, the account side system 30 (card control system 31) changes the card number recorded in the hard disk. The new card number is generated according to the rules required for credit card numbers based on random numbers. The account side system 30 (card control system 31) transmits a new card number to the server device 90. The card number is generated by a conventionally known calculation method.

  Receiving the new card number, the server device 90 updates the card number recorded in the hard disk 156 (step S208). Subsequently, the server device 90 transmits a card number to the user device 15 in order to notify that the withdrawal account is ready for use (step S208).

  Subsequently, the server device 90 performs control so as to share the screen between the user device 15 and the accounting manager device 23 (step S209). In this embodiment, a program for screen sharing is installed in the user device 15 and the accounting manager device 23 in advance, and is started from the server device 90. As a result, the accounting manager device 23 and the user device 15 share the display screen. Therefore, the accounting manager can view the operation screen of the user device 15 by the user from the accounting manager device 23. In this embodiment, the screen sharing is used. However, the screen of the user device 15 may only be viewed from the accounting manager device 23.

  Subsequently, the user operates the user device 15 to access the payment destination system 40 (payment destination website) to apply for application information such as the applicant's name, application contents, and usage amount, and for payment. A card number or the like is input (step S102). Furthermore, the application information / card number is transmitted from the user device 15 to the server device 90 by the user's operation.

  The server device 90 that has received the application information / card number transmits it to the payee system 40 (step S211). In response to this, the payee system 40 returns an order completion notification to the server device 90. In response to this, the server device 90 ends the screen sharing process with the accounting manager device 23 (step S212).

  The payment destination system 40 instructs the account side system 30 to withdraw the usage amount from the withdrawal account based on the received application information / card number and pre-recorded payment destination account information (not shown). ) In response to this, the card control system 31 determines the validity of the card number, and withdraws the usage amount from the withdrawal account via the account control system 35 (not shown).

  The account-side system 30 (card control system 31) transmits a settlement completion notification to the server device 90. Receiving this, the server device 90 transmits a settlement completion notification to the accounting manager device 23 and the financial manager device 25 (step S213). Further, the server device 90 transmits a card number use stop request to the account side system 30 (card control system 31) (step S214). The account side system 30 (card control system 31) performs a card number use stop process (not shown). For example, the availability flag is changed to unavailable. The account side system 30 (card control system 31) transmits to the server device 90 that the use of the card number has been stopped (not shown). The server device 90 transmits a use stop notification to the accounting manager device 23 and the financial manager device 25 (step S215).

  As described above, payment by credit card number can be performed safely. Since the withdrawal account does not contain any balance at the normal time, it is deposited into the withdrawal account only when necessary and can be used. In this embodiment, an account-side system is used in which a withdrawal is made immediately from a withdrawal account while using a credit card number. For example, JNB cardless Visa debit (trademark) of Japan Net Bank can be used.

According to this embodiment, since the server device 90 performs main processing, the user device 15, the accounting manager device 23, and the server device 25 may have a browser program.

3.3 Others The modifications in the second embodiment described above can be similarly applied to the first embodiment as long as they do not contradict the essence.

Claims (18)

A payment system comprising a user side system and an account side system,
The user side system is:
A usage acceptance means for accepting usage requests including usage amounts by users,
Based on the operation of the administrator, a deposit instruction means for transmitting a deposit instruction for instructing a deposit corresponding to the usage amount for the account to the account side system;
In response to the usage request, based on the operation of the administrator, a usage start instruction means for transmitting a usage start instruction that enables withdrawal from an account to the account side system;
Withdrawal permission means for sending withdrawal permission by the user to the payee system,
Upon receipt of a withdrawal notification from the account side system, a usage suspension instruction means for transmitting to the account side system a usage suspension instruction that disables withdrawal from the account,
The account side system is:
Deposit processing means for receiving the deposit instruction and performing deposit processing corresponding to the usage amount on the account;
An account use start control means for receiving the use start instruction and making the account available;
In the available state, upon receiving a withdrawal instruction sent in response to the payment destination system that has received the withdrawal permission, withdrawal processing means for performing withdrawal processing corresponding to the usage amount from the account; ,
In response to the use stop instruction, an account use stop control means for making the account unusable,
Payment system. A usage acceptance means for accepting usage requests including usage amounts by users,
Based on the operation of the administrator, a deposit instruction means for transmitting a deposit instruction for instructing a deposit corresponding to the usage amount for the account to the account side system;
In response to the usage request, based on the operation of the administrator, a usage start instruction means for transmitting a usage start instruction to use the account to the account side system;
Withdrawal permission means for sending withdrawal permission by the user to the payee system,
When receiving a withdrawal notice from the account side system, a use stop instruction means for sending a use stop instruction to disable the account to the account side system;
A user-side system equipped with The system of claim 1 or 2,
The user system includes a user device and an administrator device. The system of claim 3,
The user device includes the use accepting unit,
The manager device includes the deposit instruction unit, the use start instruction unit, and the use stop instruction unit.
The use accepting means transmits the use request to the manager device. Based on the operation of the administrator, a deposit instruction means for transmitting a deposit instruction for instructing a deposit corresponding to the usage amount for the account to the account side system;
In response to a usage request from a user, based on the operation of the administrator, a usage start instruction means for transmitting a usage start instruction to make the account available to the account side system;
When receiving a withdrawal notice from the account side system, a use stop instruction means for sending a use stop instruction to disable the account to the account side system;
An administrator device with The administrator device according to claim 5,
A settlement code change instruction means for transmitting a settlement code change instruction for instructing a change of a settlement code linked to the withdrawal from the account to the account side system based on an operation of the administrator;
In response to the payment code change instruction, the payment code transmitted from the account-side system is transmitted to the user device so that the user device can transmit to the account-side system through the payment destination system together with the withdrawal permission. Payment code notification means;
An administrator device further comprising: The administrator device according to claim 6,
An administrator device further comprising operation screen browsing means for browsing an operation screen of the user device after transmitting the payment code to the user device. In the administrator apparatus in any one of Claims 5-7,
The manager device comprises an accounting manager device and a financial manager device,
The accounting manager device comprises means for transmitting a usage request received from a user device to the financial manager device,
The financial administrator device comprises the deposit instruction means, the use start instruction means, and the use stop instruction means. A management program for realizing an administrator device by a computer,
Based on the operation of the administrator, a deposit instruction means for transmitting a deposit instruction for instructing a deposit corresponding to the usage amount for the account to the account side system;
In response to a usage request from a user, based on the operation of the administrator, a usage start instruction means for transmitting a usage start instruction to make the account available to the account side system;
A management program for functioning as a use stop instruction means for transmitting to the account side system a use stop instruction for making the account unusable upon receipt of a withdrawal notice from the account side system. The management program according to claim 9, further comprising: a computer;
A settlement code change instruction means for transmitting a settlement code change instruction for instructing a change of a settlement code linked to the withdrawal from the account to the account side system based on an operation of the administrator;
In response to the payment code change instruction, the payment code transmitted from the account-side system is transmitted to the user device so that the user device can transmit to the account-side system through the payment destination system together with the withdrawal permission. A management program for functioning as a settlement code notification means. The management program according to claim 10, further comprising:
A management program for functioning as an operation screen browsing means for browsing the operation screen of the user device after transmitting the payment code to the user device. The system of claim 1 or 2,
The user side system includes a user device, an administrator device, and a server device,
The server device includes the use accepting unit, the use start instruction unit, the deposit instruction unit, and the use stop instruction unit.
The user device transmits the use request to the server device by an operation of the user,
The administrator device transmits the use start instruction to the server device, the deposit instruction to the server device, and the use stop instruction to the server device by an operation of the administrator. Payment system. A deposit instruction means for transmitting a deposit instruction for instructing a deposit corresponding to the use amount for the account received from the administrator device to the account side system;
In response to the usage request received from the user device, based on an instruction from the administrator device, a usage start instruction means for transmitting a usage start instruction to make the account available to the account side system;
When receiving a withdrawal notice from the account side system, a use stop instruction means for sending a use stop instruction to disable the account to the account side system;
A server device comprising: The server device according to claim 13,
Based on an instruction from the administrator device, a payment code change instruction means for transmitting a payment code change instruction to change the payment code associated with the withdrawal from the account to the account side system;
In response to the payment code change instruction, the payment code transmitted from the account-side system is transmitted to the user device so that the user device can transmit to the account-side system through the payment destination system together with the withdrawal permission. Payment code notification means;
A server device further comprising: The server device according to claim 14,
A server device further comprising operation screen browsing control means for allowing an operation screen of the user device to be viewed from the administrator device after transmitting the payment code to the user device. A server program for realizing a server device by a computer,
A deposit instruction means for transmitting a deposit instruction for instructing a deposit corresponding to the use amount for the account received from the administrator device to the account side system;
In response to the usage request received from the user device, based on an instruction from the administrator device, a usage start instruction means for transmitting a usage start instruction to make the account available to the account side system;
A server program for functioning as a use stop instruction means for transmitting to the account side system a use stop instruction for making the account unusable upon receipt of a withdrawal notice from the account side system. The server program according to claim 16, further comprising: a computer;
Based on an instruction from the administrator device, a payment code change instruction means for transmitting a payment code change instruction to change the payment code associated with the withdrawal from the account to the account side system;
In response to the payment code change instruction, the payment code transmitted from the account-side system is transmitted to the user device so that the user device can transmit to the account-side system through the payment destination system together with the withdrawal permission. A server program for functioning as a settlement code notification means. The server program according to claim 17, further comprising: a computer;
A server program for functioning as an operation screen browsing control unit that allows an operation screen of a user device to be browsed from an administrator device after the payment code is transmitted to the user device.

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