JP2019109565A - Settlement system - Google Patents
Settlement system Download PDFInfo
- Publication number
- JP2019109565A JP2019109565A JP2017240295A JP2017240295A JP2019109565A JP 2019109565 A JP2019109565 A JP 2019109565A JP 2017240295 A JP2017240295 A JP 2017240295A JP 2017240295 A JP2017240295 A JP 2017240295A JP 2019109565 A JP2019109565 A JP 2019109565A
- Authority
- JP
- Japan
- Prior art keywords
- account
- dedicated
- funds
- accounts
- settlement
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Granted
Links
- 230000007423 decrease Effects 0.000 claims description 5
- 238000005457 optimization Methods 0.000 description 31
- 238000010586 diagram Methods 0.000 description 14
- 238000000034 method Methods 0.000 description 14
- 238000000151 deposition Methods 0.000 description 4
- 238000009434 installation Methods 0.000 description 4
- 230000003111 delayed effect Effects 0.000 description 2
- 230000000737 periodic effect Effects 0.000 description 2
- 238000011084 recovery Methods 0.000 description 2
- 125000002066 L-histidyl group Chemical group [H]N1C([H])=NC(C([H])([H])[C@](C(=O)[*])([H])N([H])[H])=C1[H] 0.000 description 1
- 239000008186 active pharmaceutical agent Substances 0.000 description 1
- 230000005540 biological transmission Effects 0.000 description 1
- 239000000203 mixture Substances 0.000 description 1
- 238000011176 pooling Methods 0.000 description 1
- 238000002360 preparation method Methods 0.000 description 1
- 230000000717 retained effect Effects 0.000 description 1
- 230000001932 seasonal effect Effects 0.000 description 1
- 239000007787 solid Substances 0.000 description 1
- 238000003860 storage Methods 0.000 description 1
- 239000000725 suspension Substances 0.000 description 1
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Description
本発明は、商取引における決済システムに関する。 The present invention relates to a payment system in commerce.
従来、事業者と消費者との間における商取引の決済方法として、様々な方法が知られている。一例として、事業者に代わり、収納代行業者が消費者との間の決済を取りまとめ、収納した代金を事業者に支払う方法がある。この方法によれば、事業者にとっては、事務処理負担が軽減されるというメリットがある。 Conventionally, various methods are known as settlement methods of commerce between a business person and a consumer. As an example, there is a method in which a storage agency collects payment with a consumer and pays the stored price to the company instead of the company. According to this method, there is an advantage for the business operator that the burden of paper processing is reduced.
別の例として、取引時に消費者の銀行口座からリアルタイムに取引額を引き落とすデビットカード決済が知られている。デビットカード決済では、事業者にとって、回収不能リスクが小さいというメリットがある一方、事業者がリアルタイムに取引額を受け取ることができる訳ではない。 As another example, debit card payment is known which debits the transaction amount in real time from the consumer's bank account at the time of transaction. While debit card payment has the advantage of a small uncollectible risk for the business, the business can not receive the transaction amount in real time.
さらに別の例として、企業が子会社などのグループ全体の資金を一元的に包括管理し、効率的に資金を運用する、キャッシュ・マネジメント・システム（ＣＭＳ）と呼ばれるシステムが知られている（例えば特許文献１参照）。 As yet another example, there is known a system called a cash management system (CMS) in which a company comprehensively manages funds of a group as a whole, such as a subsidiary, and efficiently manages the funds (for example, a patent) Reference 1).
ＣＭＳにおいては、グループ内の各企業が保有する口座間において、債権・債務を相殺し、差額のみを決済（所謂、ネッティング）することにより、資金移動の手数料を要することなく、資金移動を効率的に行うことができる。そこで、このようにグループに属する複数の口座間でネッティングするシステムを、グループ外における取引の決済の仲介として利用すれば、決済の効率化を図ることができる可能性がある。しかしながら、この場合、以下のような問題が生じる。 In CMS, it is possible to transfer funds efficiently without requiring a commission for funds transfer by offsetting debts / debts and settling only the difference (so-called netting) between accounts held by companies in the group. Can be done. Therefore, if the system for netting among a plurality of accounts belonging to a group is used as an intermediary for settlement of transactions outside the group, there is a possibility that the settlement can be made more efficient. However, in this case, the following problems occur.
第１に、グループに属する複数の口座のいずれにおいても決済が滞ることがないように（即ち、口座の残高がゼロとならないように）、各口座に資金を確保する必要がある。 First, it is necessary to secure funds for each account so that settlement is not delayed in any of the multiple accounts belonging to the group (ie, the account balance is not zero).
第２に、外部要因により、資金移動や資金配置の変更を行う必要が生じる。ここで、外部要因とは、例えば天気や世界情勢など、グループではコントロールすることができない要因のことである。例えば、札幌で大雪予報が出されたことにより事前に消費需要の高まりが予測され、通常よりも多めの資金確保が必要になる、といった状況が考えられる。 Second, due to external factors, it is necessary to move funds and change the allocation of funds. Here, the external factor is, for example, a factor that can not be controlled by the group, such as weather or world affairs. For example, due to the large snow forecast being issued in Sapporo, a rise in consumption demand is predicted in advance, and a situation may be considered where it is necessary to secure more funds than usual.
第３に、グループに属する複数の口座間においては、資金移動の手数料を可能な限り抑制する必要がある。 Third, among multiple accounts belonging to a group, it is necessary to suppress the fee for transfer of funds as much as possible.
つまり、通常の取引時だけでなく、外部要因による状況の変化があった場合であっても、仲介用の各口座において資金不足に陥ることなく安定して決済を行うことができ、また、口座間の資金移動の手数料を最小限に抑制できるようなシステムが望まれる。 That is, not only at the time of normal trading but also when there is a change in the situation due to an external factor, settlement can be stably performed in each brokering account without causing a shortage of funds, and the account It is desirable to have a system that can minimize the fee for transferring funds between
そこで、本発明は、かかる事情に鑑みてなされたものであり、決済の仲介に用いられる複数の口座のいずれにおいても資金不足に陥ることなく安定して決済を行うことができ、且つ、口座間の資金移動の手数料を抑制することができる決済システムを提供することを目的の１つとする。 Therefore, the present invention has been made in view of the above circumstances, and it is possible to stably carry out settlement without any shortage of funds in any of a plurality of accounts used to mediate settlement, and between accounts One of the objectives is to provide a payment system that can reduce the fee for transferring funds.
上記課題を解決するため、本発明の一態様による決済システムは、代金を支払う支払者と、前記代金を受け取る受取者との間における決済を仲介する決済システムであって、互いに異なる複数の銀行に、第三者間における決済の仲介に用いられる複数の専用口座がそれぞれ設けられ、前記複数の銀行のうちの第１の銀行に前記支払者の口座が設けられ、前記複数の銀行のうち前記第１の銀行とは異なる第２の銀行に前記受取者の口座が設けられ、前記支払者から前記受取者への代金の支払い情報を受信した際に、該支払い情報に基づいて、前記支払者の口座から前記第１の銀行に設けられた専用口座に前記代金を引き落とさせる指示を行うと共に、前記第２の銀行に設けられた専用口座から前記受取者の口座に前記代金を入金させる指示を行う決済モジュールと、前記複数の専用口座における資金の配置状況を取得し、該配置状況に基づいて前記複数の専用口座の間で資金を移動させる指示を行うことにより、前記複数の専用口座における資金を調整する資金調整モジュールと、を備えるものである。 In order to solve the above problems, a settlement system according to an aspect of the present invention is a settlement system that mediates settlement between a payer who pays for a payment and a recipient who receives the payment, and a plurality of banks different from each other A plurality of dedicated accounts used to mediate settlement among third parties, respectively, and the first bank of the plurality of banks is provided with the payer's account; When the recipient's account is provided to a second bank different from the first bank, and payment information for the payment from the payer to the payee is received, the payer's account is received based on the payment information. An instruction to debit the account from an account to a dedicated account provided to the first bank, and an instruction to deposit the amount from the dedicated account provided to the second bank to the account of the recipient The payment module and the placement status of funds in the plurality of dedicated accounts are obtained, and an instruction to move funds among the plurality of dedicated accounts is issued based on the placement status, whereby the funds in the plurality of dedicated accounts are And a funding coordination module to coordinate.
上記決済システムにおいて、前記複数の専用口座の各々に、残高のデフォルト値及び下限閾値が設定され、前記資金調整モジュールは、前記複数の専用口座のうちのいずれかの専用口座において残高が下限閾値まで低下した場合に、残高がデフォルト値を超える専用口座から残高が下限閾値まで低下した専用口座に資金を移動させる指示を行っても良い。 In the settlement system, a default value and a lower threshold of the balance are set for each of the plurality of dedicated accounts, and the funds adjustment module determines that the balance is lower than the lower threshold in any of the plurality of dedicated accounts. In the case of a drop, an instruction may be issued to transfer funds from a dedicated account whose balance exceeds the default value to a dedicated account whose balance has dropped to the lower threshold.
上記決済システムにおいて、前記資金調整モジュールは、前記複数の専用口座の各々における下限閾値に対する現在の残高の比率を表す下限閾値比を取得し、下限閾値比が高い専用口座から順に、前記残高が下限閾値まで低下した専用口座に資金を移動させる指示を行っても良い。 In the settlement system, the funds adjustment module acquires a lower limit threshold ratio representing a ratio of a current balance to a lower limit threshold in each of the plurality of dedicated accounts, and the balance is lower in order from a dedicated account having a higher lower limit threshold ratio. An instruction may be issued to move funds to a dedicated account that has fallen to a threshold.
上記決済システムにおいて、前記資金調整モジュールは、前記複数の専用口座の各々に対し、前記デフォルト値及び前記下限閾値を当該専用口座における所定期間の決済金額に基づいて設定しても良い。 In the settlement system, the money adjustment module may set, for each of the plurality of dedicated accounts, the default value and the lower limit threshold based on the settlement amount for a predetermined period in the dedicated account.
上記決済システムにおいて、前記資金調整モジュールは、特定の要因と前記複数の専用口座の各々における決済金額とを対応づけた情報を格納するデータベースを有し、前記複数の専用口座の各々に対し、前記デフォルト値及び前記下限閾値を前記データベースに基づいて設定しても良い。 In the settlement system, the money adjustment module has a database storing information in which a specific factor is associated with the settlement amount in each of the plurality of dedicated accounts, and for each of the plurality of dedicated accounts, the money adjustment module has A default value and the lower threshold may be set based on the database.
上記決済システムは、前記資金調整モジュールの制御の下で所定の通知を行う通知手段をさらに備え、前記資金調整モジュールは、前記複数の専用口座における資金の残高の合計が所定値を下回った場合に、前記通知手段に対し、資金不足である旨の警告を通知させても良い。 The settlement system further comprises notification means for giving a predetermined notification under the control of the money adjustment module, wherein the money adjustment module is configured to set the sum of the balances of funds in the plurality of dedicated accounts below a predetermined value. The warning means may be notified of a shortage of funds.
本発明によれば、資金調整モジュールにより複数の専用口座における資金の配置状況を取得し、該配置状況に基づいて複数の専用口座の間で資金を移動させるので、決済の仲介に用いられる複数の専用口座のいずれにおいても資金不足に陥ることなく、安定的に決済を行うことができ、また、決済のたびに専用口座間で資金移動させる場合と比較して、資金移動の手数料を抑制することも可能となる。 According to the present invention, the funds adjustment module obtains the placement status of funds in the plurality of dedicated accounts, and transfers the funds among the plurality of dedicated accounts based on the placement status, so that a plurality of settlement mediations are used. The settlement can be stably performed without any shortage of funds in any of the dedicated accounts, and the fee for the transfer of funds is suppressed as compared with the case of transferring the funds between the dedicated accounts at each settlement. Is also possible.
以下、本発明の実施の形態について詳細に説明する。なお、以下の実施の形態は、本発明を説明するための例示であり、本発明をその実施の形態のみに限定する趣旨ではない。また、本発明は、その要旨を逸脱しない限り、さまざまな変形が可能である。さらに、当業者であれば、以下に述べる各要素を均等なものに置換した実施の形態を採用することが可能であり、かかる実施の形態も本発明の範囲に含まれる。また、必要に応じて示す上下左右等の位置関係は、特に断らない限り、図示の表示に基づくものとする。さらに、図面における各種の寸法比率は、その図示の比率に限定されるものではない。 Hereinafter, embodiments of the present invention will be described in detail. The following embodiments are exemplifications for describing the present invention, and the present invention is not limited to the embodiments. Moreover, the present invention can be variously modified without departing from the scope of the invention. Further, those skilled in the art can adopt an embodiment in which each of the elements described below is replaced with an equivalent one, and such an embodiment is also included in the scope of the present invention. In addition, positional relationships such as upper, lower, left, and right shown as necessary are based on the display shown in the drawings unless otherwise specified. Furthermore, various dimensional ratios in the drawings are not limited to the illustrated ratios.
また、本明細書において、「銀行」とは、預金口座が設けられるあらゆる金融機関を意図しており、代表例として「銀行」と表現しているに過ぎない。 Also, in the present specification, "bank" is intended to be any financial institution to which a deposit account is provided, and is merely expressed as "bank" as a representative example.
図１は、本発明の一実施形態に係る決済システムの構成例を示すブロック図である。図１に示すように、本実施形態に係る決済システム１は、取引において代金を支払う消費者（支払者）と、該取引において代金を受け取る加盟店（受取者）との間で決済を行い、或いは、消費者間で送金処理を行うシステムであり、決済の仲介業者が運営する決済プラットフォーム２を含む。 FIG. 1 is a block diagram showing an example of the configuration of a settlement system according to an embodiment of the present invention. As shown in FIG. 1, the settlement system 1 according to the present embodiment performs settlement between a consumer (payer) who pays for the transaction and a member store (recipient) who receives the money for the transaction. Alternatively, it is a system for remittance processing among consumers, and includes a settlement platform 2 operated by a settlement intermediary.
ここで、消費者とは、店舗で買い物をし、或いは、サービスの提供を受け、その代金を支払う者のことである。本実施形態において、消費者は、決済システム１による代金の支払いを利用するための利用登録を既に行っているものとする。消費者は、専用のアプリケーションプログラム（決済アプリ）をインストールした端末装置（消費者端末３１）を用いて決済（支払い）を行う。端末装置としては、スマートフォンやタブレット端末、携帯電話など、携帯可能且つ決済アプリの実行が可能な機器であれば特に限定されない。また、消費者は、自身の銀行口座（例えば、銀行Ｂ１の消費者普通口座ａ１１）を、決済用の口座として予め決済プラットフォーム２に登録しておく。消費者の決済用の口座の種類は特に限定されず、普通口座であっても良いし、定期口座（消費者定期口座ａ１２参照）であっても良いし、ローン返済用の口座（消費者ローン口座ａ１３参照）であっても良い。以下、消費者が決済用に登録した口座のことを、消費者口座という。 Here, a consumer is a person who purchases at a store or receives a service and pays for it. In the present embodiment, it is assumed that the consumer has already performed usage registration for using payment by the payment system 1. The consumer performs payment (payment) using a terminal device (consumer terminal 31) on which a dedicated application program (payment application) is installed. The terminal device is not particularly limited as long as it is a portable device such as a smartphone, a tablet terminal, or a mobile phone that can execute a payment application. In addition, the consumer registers his / her bank account (for example, the consumer common account a11 of the bank B1) in advance in the settlement platform 2 as an account for settlement. The type of consumer settlement account is not particularly limited, and may be a regular account, a periodic account (see consumer periodic account a12), or an account for loan repayment (consumer loan Account a13). Hereinafter, an account registered by a consumer for payment is referred to as a consumer account.
また、加盟店とは、物販やサービスを提供する店舗を運営し、物販やサービスの対価を消費者から受け取る事業者であって、当該決済システム１による決済の利用登録（契約）を行っている事業者のことである。加盟店は、専用のアプリケーションプログラム（レジアプリ）をインストールした端末装置を加盟店端末３２として使用して決済を行う。端末装置としては、タブレット端末やパーソナルコンピュータ（ＰＣ）等が用いられる。或いは、端末装置を所定のｗｅｂサイトに接続しログインしておくことで、当該端末装置を加盟店用端末３２として使用することができる。また、加盟店は、自社の銀行口座（例えば、銀行Ｂ３の加盟店口座ａ１４）を、決済用の口座として予め決済プラットフォーム２に登録しておく。以下、加盟店が決済用に登録した口座のことを、加盟店口座という。図１においては、銀行Ｂ３に２つの加盟店口座ａ１４、ａ１５が設けられている。 In addition, a member store is a business that operates a store that offers goods sales and services, and receives compensation for goods sales and services from consumers, and has made use registration (contract) of settlement by the settlement system 1 concerned. It is a business person. The affiliated store makes a payment using a terminal device having a dedicated application program (register application) installed as the affiliated store terminal 32. As a terminal device, a tablet terminal, a personal computer (PC) or the like is used. Alternatively, the terminal device can be used as the member store terminal 32 by connecting the terminal device to a predetermined web site and logging in. Further, the affiliated store registers its own bank account (for example, the affiliated store account a14 of the bank B3) in advance in the settlement platform 2 as an account for settlement. Hereinafter, an account registered by a member store for payment is referred to as a member store account. In FIG. 1, the bank B3 is provided with two affiliated store accounts a14 and a15.
消費者口座及び加盟店口座がそれぞれ設けられた銀行には、決済プラットフォーム２の運営者が保有する専用口座が設けられている。専用口座は、消費者と加盟店との間の決済の仲介専用として用いられる。図１においては、消費者普通口座ａ１１が設けられた銀行Ｂ１に専用口座Ｍ１が設けられ、加盟店口座ａ１４が設けられた銀行Ｂ３に専用口座Ｍ３が設けられている。 Banks provided with consumer accounts and affiliated store accounts are provided with dedicated accounts owned by the operator of payment platform 2. The dedicated account is used exclusively as an intermediary for settlement between the consumer and the member store. In FIG. 1, the bank B1 provided with the consumer ordinary account a11 is provided with a dedicated account M1, and the bank B3 provided with a member store account a14 is provided with a dedicated account M3.
決済プラットフォーム２には、決済モジュール１０及び資金配置最適化モジュール２０が設けられている。決済モジュール１０は、消費者と加盟店との間で取引が行われた際に、消費者端末３１から送信された支払い情報に基づいて、専用口座を介して当該取引の決済を行うための各種処理を実行する。資金配置最適化モジュール２０は、複数の専用口座における資金の配置状況を取得し、この配置状況に基づいて複数の専用口座の間で資金を移動させることにより、資金を調整する資金調整モジュールである。 The settlement platform 2 is provided with a settlement module 10 and a fund placement optimization module 20. The settlement module 10 performs various kinds of settlement for the transaction via the dedicated account based on the payment information transmitted from the consumer terminal 31 when the transaction is performed between the consumer and the member store. Execute the process The fund placement optimization module 20 is a fund adjustment module that acquires funds allocation status in a plurality of dedicated accounts, and coordinates funds by transferring funds among the plurality of dedicated accounts based on the placement status. .
消費者と加盟店との間の決済処理について、図１を参照しながら説明する。取引（買い物等）の決済を行う際、加盟店は、加盟店端末３２において識別情報を発行し、消費者は、この識別情報を消費者端末３１に入力する。ここで、識別情報とは、加盟店への支払いを特定する情報であり、代金の支払い先（加盟店の口座）や金額などの情報を含んでいる。識別情報の形態は、ＱＲコード（登録商標）やバーコード等の図形情報であっても良いし、数字やアルファベットなどのテキスト情報であっても良い。識別情報がＱＲコード（登録商標）等で提示される場合、消費者は、消費者端末３１で当該ＱＲコード（登録商標）等を読みとる。また、識別情報がテキスト情報で提示される場合、消費者は、消費者端末３１に当該テキスト情報を入力する。消費者端末３１は、識別情報に含まれる情報（支払い先及び金額等）に、当該消費者端末３１に予め登録された情報（消費者のＩＤ、登録された口座情報等）を付加した支払い情報を生成し、決済プラットフォーム２に送信する。これにより、当該買い物の決済が決済プラットフォーム２を介して行われるようになる。 The settlement process between the consumer and the member store will be described with reference to FIG. When settling a transaction (shopping, etc.), the affiliated store issues identification information at the affiliated store terminal 32, and the consumer inputs this identification information to the consumer terminal 31. Here, the identification information is information for specifying payment to a member store, and includes information such as a payment destination (member store account) and an amount of money. The form of the identification information may be graphic information such as QR code (registered trademark) or a barcode, or text information such as numbers or alphabets. When the identification information is presented as a QR code (registered trademark) or the like, the consumer reads the QR code (registered trademark) or the like at the consumer terminal 31. In addition, when the identification information is presented as text information, the consumer inputs the text information to the consumer terminal 31. The consumer terminal 31 is payment information in which information (a consumer's ID, registered account information, etc.) registered in advance in the consumer terminal 31 is added to information (payment address, amount of money, etc.) included in the identification information. To be sent to payment platform 2. Thereby, the settlement of the shopping concerned is performed via the settlement platform 2.
決済プラットフォーム２においては、決済モジュール１０が、アプリケーションプログラミングインタフェース（Application Programming Interface：ＡＰＩ）１１を介して、銀行Ｂ１に向け、消費者普通口座ａ１１から専用口座Ｍ１への代金の振替指示を行う。これにより、消費者普通口座ａ１１から代金が即時に引き落とされ、専用口座Ｍ１に入金される。また、決済モジュール１０は、ＡＰＩ１２を介して、銀行Ｂ３に向け、専用口座Ｍ３から加盟店口座ａ１４への代金の振替指示を行う。このように、消費者口座ａ１１から専用口座Ｍ１への代金の振替と、専用口座Ｍ３から加盟店口座ａ１４への代金の振替とが同時に実行されることにより、消費者口座ａ１１から加盟店口座ａ１４へ即時に入金された場合と同じ状態となる。つまり、決済プラットフォーム２を介することにより、消費者と加盟店との間の取引の決済をリアルタイムに行うことができる。また、決済モジュール１０は、消費者口座ａ１１から専用口座Ｍ１への代金の振替を行い、以降の任意のタイミングで専用口座Ｍ１から専用口座Ｍ３へ代金を振込み（移動）し、また、その後任意のタイミングで専用口座Ｍ３から加盟店口座ａ１４への代金の振替をする即時決済を行わない取引（順繰りの資金移動）も行うことができる。 In the settlement platform 2, the settlement module 10 instructs the bank B1 to transfer the payment from the consumer ordinary account a11 to the dedicated account M1 via the application programming interface (API) 11. As a result, the payment is immediately debited from the consumer common account a11 and deposited to the dedicated account M1. Further, the settlement module 10 instructs the bank B3 to transfer the payment from the dedicated account M3 to the affiliated store account a14 through the API 12. Thus, by simultaneously executing the transfer of the charge from the consumer account a11 to the dedicated account M1 and the transfer of the charge from the dedicated account M3 to the affiliated store account a14, the consumer account a11 to the affiliated store account a14 It will be the same as when it was immediately deposited. That is, through the settlement platform 2, settlement of transactions between the consumer and the member store can be performed in real time. In addition, the settlement module 10 transfers the charge from the consumer account a11 to the dedicated account M1, transfers (moves) the charge from the dedicated account M1 to the dedicated account M3 at any timing thereafter, and thereafter, it is optional. It is also possible to carry out a transaction (immediate transfer of funds) in which the immediate settlement is not performed to transfer the price from the dedicated account M3 to the member store account a14 at the timing.
資金配置最適化モジュール２０は、各専用口座Ｍ１、Ｍ３における資金状況（残高）をリアルタイムに取得し、必要に応じて、ＡＰＩ１３、１４を介して専用口座Ｍ１、Ｍ３に振込指示を行うことにより、専用口座Ｍ１、Ｍ３における資金配置及び専用口座間の資金移動を最適化する。 The fund placement optimization module 20 acquires the fund status (balance) in each of the dedicated accounts M1 and M3 in real time, and instructs the dedicated accounts M1 and M3 to transfer money via the APIs 13 and 14 as necessary. Optimize placement of funds in dedicated accounts M1, M3 and transfer of funds between dedicated accounts.
なお、図１においては、説明を簡素化するために、消費者口座及び加盟店口座がそれぞれ設けられた２つの銀行Ｂ１、Ｂ３を挙げ、これらの銀行Ｂ１、Ｂ３に専用口座Ｍ１、Ｍ３がそれぞれ設けられている状況を図示したが、専用口座及び銀行の数はこれに限定されない。また、図１においては、専用口座Ｍ１は消費者口座からの入金用、専用口座Ｍ３は加盟店口座への出金用として記されているが、通常、各専用口座は、消費者口座からの入金用と加盟店口座への出金用との両方に用いられる。 In addition, in FIG. 1, in order to simplify the explanation, two banks B1 and B3 provided with a consumer account and a member store account, respectively, are listed, and these banks B1 and B3 have dedicated accounts M1 and M3 respectively. Although the situation provided is illustrated, the number of dedicated accounts and banks is not limited thereto. Also, although in FIG. 1, the dedicated account M1 is written for depositing money from the consumer account, and the dedicated account M3 is written for withdrawal to the member store account, normally, each dedicated account is taken from the consumer account. Used for both deposit and withdrawal to merchant accounts.
次に、決済システム１の為替ネットワークとしての機能について説明する。図２は、決済システム１の為替ネットワークとしての機能を説明するための模式図である。図２に示すように、決済システム１においては、複数（図２の場合、４つ）の銀行に複数（同上）の専用口座Ｍ１〜Ｍ４をそれぞれ設け、各銀行において、消費者口座と専用口座（例えば、消費者普通口座ａ１１と専用口座Ｍ１）、加盟店口座と専用口座（例えば、加盟店口座ａ１４と専用口座Ｍ３）との間でそれぞれ振替処理を行う。これにより、消費者口座と加盟店口座との間での即時決済を実現している。 Next, the function of the payment system 1 as a currency exchange network will be described. FIG. 2 is a schematic diagram for explaining the function of the settlement system 1 as a currency exchange network. As shown in FIG. 2, in the settlement system 1, a plurality of (four in the case of FIG. 2) banks are respectively provided with a plurality of (same as above) dedicated accounts M1 to M4, and in each bank a consumer account and a dedicated account Transfer processing is performed between (for example, consumer ordinary account a11 and dedicated account M1), affiliated store account and dedicated account (for example, affiliated store account a14 and dedicated account M3). This achieves an immediate settlement between the consumer account and the merchant account.
専用口座Ｍ１〜Ｍ４はいずれも、決済プラットフォーム２の運営者が保有する口座であるため、専用口座Ｍ１〜Ｍ４の間では頻繁に精算処理（クリアリングとも呼ばれる）を行う必要はなく、加盟店口座に代金を入金する際に資金不足とならない程度に、各専用口座Ｍ１〜Ｍ４に資金がプールされていれば良い。専用口座Ｍ１〜Ｍ４は、普通預金口座、当座預金口座など口座種別は問わないが、例えば当座預金のような無利息の口座であれば、銀行破綻時にも全額保全されるという点で、メリットがある。 Since all of the dedicated accounts M1 to M4 are accounts owned by the operator of the settlement platform 2, it is not necessary to frequently perform settlement processing (also called clearing) between the dedicated accounts M1 to M4, and the member store account The funds may be pooled in each of the dedicated accounts M1 to M4 to such an extent that funds do not run short when depositing money. The dedicated accounts M1 to M4 are not limited to account types such as ordinary savings account and checking account, but there is an advantage in that non-interest-bearing accounts such as checking account are fully protected even in the event of bank failure, for example. .
次に、決済システム１における専用口座の資金配置について説明する。図３は、決済システム１における資金移動の仕組みを説明するための模式図である。決済システム１においては、資金配置最適化モジュール２０が各専用口座における資金配置の状況を監視し、最適化（後述するように、外的要因を考慮したうえで決済が滞らない状況とすること）のための計算処理を行い、必要に応じて専用口座に資金移動の指示を出すことで、消費者と加盟店との間の取引時におけるリアルタイム決済を常時可能としている。 Next, the fund placement of the dedicated account in the payment system 1 will be described. FIG. 3 is a schematic view for explaining the mechanism of money transfer in the settlement system 1. In the settlement system 1, the money allocation optimization module 20 monitors the situation of the money allocation in each dedicated account and optimizes it (as will be described later, the settlement is not delayed considering external factors) By performing a calculation process for the case and instructing the transfer of funds to a dedicated account as necessary, real-time settlement at the time of transaction between a consumer and a member store is always possible.
図３に示すように、複数（図３の場合、４つ）の銀行にそれぞれ設けられた専用口座Ｍ１〜Ｍ４の間における資金配置の計算は、例えば、以下の状況に至った際に実行される。
（１）専用口座Ｍ１〜Ｍ４のいずれかに蓄積された資金の額が、各々に設定された上限金額を超えた場合、又は、下限金額まで低下した場合。
As shown in FIG. 3, the calculation of the fund placement between the dedicated accounts M1 to M4 respectively provided to a plurality of (four in the case of FIG. 3) banks is executed, for example, when the following situation is reached. Ru.
(1) When the amount of funds accumulated in any of the dedicated accounts M1 to M4 exceeds the upper limit amount set for each, or when the amount decreases to the lower limit amount.
（２）前回、資金移動が実行されたときから予め設定された期間が経過した場合、又は、予め設定された日時（時刻）に至った場合。設定期間や設定日時（時刻）は、季節や日時などの要因で可変としても良い。例えば、取引が頻繁に行われる時間帯（ゴールデンタイム）には、資金配置の最適化が頻繁に行われるよう、設定期間を細かく設定するなどしても良い。 (2) When a previously set period has passed since the last time the fund transfer was executed, or when a preset date and time (time) is reached. The setting period and the setting date and time (time) may be variable depending on factors such as the season and the date and time. For example, the setting period may be set finely in a time zone (golden time) in which transactions are frequently performed so that optimization of the fund placement is frequently performed.
その他、人的判断や上記以外の要因により、資金配置計算するように設定し実行しても良い。 In addition, it may be set and executed to calculate the fund allocation by human judgment or other factors than the above.
資金配置最適化モジュール２０は、資金配置計算のタイミングに至ると、以下の（１）〜（６）に例示するパラメータを取得し（図３の実線矢印参照）、専用口座Ｍ１〜Ｍ４全体において最適な資金配置となるように、計算を実行する。なお、資金配置計算のためのパラメータは、以下の例に限定されるものでなく、外部データベース（図示無し）と適宜連携し取得することでパラメータを変更（増減）可能に構成することができる。 The funding allocation optimization module 20 obtains the parameters exemplified in the following (1) to (6) when the timing of funding allocation calculation is reached (see solid arrows in FIG. 3), and is optimal in the entire dedicated accounts M1 to M4. Perform calculations to ensure proper funding. In addition, the parameter for fund allocation calculation is not limited to the following example, A parameter can be comprised so that a change (increase / decrease) is possible by acquiring suitably in cooperation with an external database (not shown).
（１）各専用口座Ｍ１〜Ｍ４の残高の増減傾向。例えば、加盟銀行Ｂ４の専用口座Ｍ４では、他の専用口座と比較して残高の減少幅が大きいので、多めに資金を入れておく、といった判断がなされる。 (1) Fluctuation in the balance of each dedicated account M1 to M4. For example, in the dedicated account M4 of the member bank B4, a decrease in the balance is large compared to the other dedicated accounts, so it is judged that extra funds will be put.
（２）加盟店や消費者との契約、インストール・アクティブなど利用動向、或いは、加盟店の商業規模や業態、消費者口座及び加盟店口座の預金残高や資金動向など。ここで、インストール・アクティブとは、加盟店アプリケーションプラグラム（加盟店アプリ）又は消費者アプリケーションプラグラム（消費者アプリ）のインストール数が多いこと、加盟店アプリ又は消費者アプリが頻繁に利用されていることを意味する。例えば、加盟店アプリと消費者アプリとで、加盟店アプリのインストール数の多い銀行においては、基本的には専用口座にはお金が溜まらない傾向がある。他方、消費者アプリのインストール数の多い銀行の専用口座にはお金が溜まりやすい傾向がある。しかしながら、消費者アプリのインストール数の多い銀行の口座でもアクティブな割合が低ければ（つまり、それほど利用されなければ）、必ずしも、口座にお金が溜まりやすいという訳ではないということが推測できる。 (2) Contracts with member stores and consumers, usage trends such as installation and active, or commercial scale and business conditions of member stores, deposit balances and funds trends of consumer accounts and member store accounts, etc. Here, installation and active means that there are a large number of installations of affiliated store application program (affiliated store application) or a consumer application program (consumer application), and that affiliated store application or a consumer application is frequently used. Means For example, in a bank where the number of affiliated store applications is installed between a member store application and a consumer application, basically, there is a tendency that money is not accumulated in the dedicated account. On the other hand, there is a tendency for money to be collected easily at a bank dedicated account with a large number of installed consumer apps. However, it can be inferred that even a bank account with a large number of installed consumer apps has a low active rate (that is, it is not used so much), it does not necessarily mean that the account is easy to collect money.
（３）季節、曜日、日時等に応じた変動要素（季節イベントや、時間動向など）。例えば、クリスマス時期にはメガバンク系の資金変動が大きい、といった要素が考慮される。 (3) Fluctuation factors (seasonal events, time trends, etc.) according to the season, day of the week, date and time, etc. For example, factors such as large fluctuations in megabank money at Christmas time are considered.
（４）天気や気温等の気候変動。例えば、札幌で大雪との予報が出された場合、当該地域（札幌）において事前の消費需要が高まると予測されるため、当該地域の消費者が多く利用する銀行における専用口座に多めの資金を確保する、といった判断がなされる。 (4) Climate change such as weather and temperature. For example, if a forecast with heavy snow is issued in Sapporo, it is predicted that the consumption demand in advance will increase in the area (Sapporo), so extra funds will be allocated to a dedicated account in banks that consumers in the area frequently use. It is judged that it will be secured.
（５）その他の社会的、経済的イベントの有無やその特性。例えば、オリンピックによりインバウンド需要が高まると予想されるため、国外支店を有する銀行における専用口座に資金を優先的に確保する、といった判断がなされる。 (5) The presence or absence of other social and economic events and their characteristics. For example, as inbound demand is expected to increase due to the Olympics, it is judged that funds will be preferentially reserved in dedicated accounts of banks having foreign branches.
（６）資金移動の際に要する手数料。資金移動のルートは、トータルの手数料が最も安くなるように決定される。例えば、加盟銀行Ｂ１の専用口座Ｍ１に１００万円を追加、加盟銀行Ｂ２の専用口座Ｍ２に１００万円を追加、加盟銀行Ｂ３の専用口座Ｍ３から１００万円を引き上げ、加盟銀行Ｂ４の専用口座Ｍ４から１００万円を引き上げ、という資金配置を行う場合において、加盟銀行Ｂ１と加盟銀行Ｂ３との間で手数料が無料のとき、加盟銀行Ｂ１から加盟銀行Ｂ４に資金移動するのではなく、加盟銀行Ｂ１から加盟銀行Ｂ３、及び、加盟銀行Ｂ２から加盟銀行Ｂ４という資金移動ルートが優先的に選択される。 (6) Fees required for fund transfer. The route of fund transfer is determined so that the total fee is the lowest. For example, add 1 million yen to dedicated account M1 of member bank B1, add 1 million yen to dedicated account M2 of member bank B2, raise 1 million yen from dedicated account M3 of member bank B3, and use dedicated account for member bank B4 In the case of raising funds by 1 million yen from M4, when fee is free between member bank B1 and member bank B3, instead of transferring funds from member bank B1 to member bank B4, the member bank Transfer routes of funds from B1 to member bank B3 and from member bank B2 to member bank B4 are preferentially selected.
資金配置最適化モジュール２０は、上述したパラメータ及び判断基準に基づいて資金配置及び資金移動ルートを決定し、必要に応じて銀行間振込などの指示を出す（図３の破線矢印参照）。それにより、適切なルートで資金移動がなされ（図３の太線矢印参照）、専用口座Ｍ１〜Ｍ４における資金配置が最適化される。 The fund placement optimization module 20 determines the fund placement and the fund transfer route based on the above-described parameters and criteria, and issues an instruction such as an interbank transfer if necessary (see the dashed arrow in FIG. 3). As a result, funds are transferred by an appropriate route (see thick arrows in FIG. 3), and the placement of funds in the dedicated accounts M1 to M4 is optimized.
次に、決済システム１における資金配置の最適化について説明する。図４は、決済システム１における資金配置の最適化を図る仕組みを説明するための模式図である。上述したように、専用口座Ｍ１〜Ｍ４における資金配置を最適化したとしても、専用口座Ｍ１〜Ｍ４における残高を足し合わせた総額が不足傾向になったり、余剰金が大きくなったりする場合がある。このような場合に備え、決済システム１においては、さらなる調整機能として、資金配置最適化モジュール２０の制御の下で動作する警告通知部２１及び入出金管理部２２を設けても良い。 Next, optimization of the fund placement in the payment system 1 will be described. FIG. 4 is a schematic diagram for explaining a mechanism for optimizing the allocation of funds in the settlement system 1. As described above, even if the fund placement in the dedicated accounts M1 to M4 is optimized, the total sum of the balances in the dedicated accounts M1 to M4 may be insufficient or the surplus may increase. In preparation for such a case, in the settlement system 1, as a further adjustment function, a warning notification unit 21 and a deposit and withdrawal management unit 22 operating under the control of the money allocation optimization module 20 may be provided.
警告通知部２１は、運用者３に警告を通知する手段であり、例えば、メールの自動送信や電話による自動通知を行うモジュールにより実現される。資金配置最適化モジュール２０は、専用口座Ｍ１〜Ｍ４における残高を足し合わせた総額が不足傾向になった場合、警告通知部２１に対し、運用者３に警告を通知するように指示する。この際、資金配置最適化モジュール２０は、警告通知部２１に、資金の過不足金額を通知させることとしても良い。 The warning notification unit 21 is a means for notifying the operator 3 of a warning, and is realized by, for example, a module that performs automatic transmission of e-mail or automatic notification by telephone. When the total sum of the balances in the dedicated accounts M1 to M4 becomes insufficient, the money placement optimization module 20 instructs the warning notification unit 21 to notify the operator 3 of a warning. At this time, the money allocation optimization module 20 may notify the warning notification unit 21 of the excess or shortage amount of money.
入出金管理部２２は、専用口座全体の資金状況を把握し、入出金指示を行う機能であり、例えば、運用者３の指示又は操作により、専用口座Ｍ１〜Ｍ４に対して資金を追加入金し、又は、余剰金を回収する。資金の追加入金又は余剰金の回収は、入出金管理部２２が専用口座Ｍ１〜Ｍ４の各々に対して直接行っても良い。或いは、調整額入出金用口座ＭＸを設け、この口座を介して資金の追加入金又は余剰金の回収を行っても良い。後者の場合、調整額入出金用口座ＭＸに適切な額の資金を配置しておき、入出金管理部２２が調整額入出金用口座ＭＸに対し指示を出すことで、調整額入出金用口座ＭＸと各専用口座Ｍ１〜Ｍ４との間で資金の出し入れが行われる。なお、調整額入出金口座ＭＸへの入金手段は特に限定されず、一般的な振込手続きであっても良い。 The deposit / withdrawal management unit 22 is a function of grasping the fund status of the entire dedicated account and instructing the deposit / withdrawal, for example, additionally depositing funds to the dedicated accounts M1 to M4 by the instruction or operation of the operator 3 Or, collect surplus money. The additional payment of funds or the recovery of surplus money may be made directly by the deposit and withdrawal management unit 22 for each of the dedicated accounts M1 to M4. Alternatively, an adjustment deposit / withdrawal account MX may be provided, and additional deposit of funds or recovery of surplus money may be performed via this account. In the latter case, an appropriate amount of funds is allocated to the adjustment deposit / withdrawal account MX, and the deposit / withdrawal management unit 22 instructs the adjustment deposit / withdrawal account MX to make an adjustment deposit / withdrawal account. Transfer of funds is performed between MX and each of the dedicated accounts M1 to M4. The means for depositing money into the adjustment amount deposit / withdrawal account MX is not particularly limited, and may be a general transfer procedure.
次に、決済システム１において想定し得る資金移動について説明する。図５〜図９は、決済システム１における資金移動のパターン（１）〜（８）を示す模式図である。資金移動としては、決済システム１に加盟している銀行（加盟銀行Ｂ１〜Ｂ５）間における移動の他、加盟銀行から決済システム１に加盟していない銀行（非加盟銀行Ｎ１）への移動もあり得る。 Next, fund transfer that can be assumed in the payment system 1 will be described. 5 to 9 are schematic views showing patterns (1) to (8) of fund transfer in the settlement system 1. FIG. Transfer of funds includes transfers between banks (member banks B1 to B5) affiliated with payment system 1, as well as transfers from member banks to banks not affiliated with payment system 1 (non-member bank N1). obtain.
パターン（１）
図５に示すように、加盟銀行Ｂ１に消費者口座Ｃ１を有する消費者が、加盟銀行Ｂ３に加盟店口座Ｐ１を有する加盟店と取引（買い物等）を行った際に、即時決済を行う場合を考える。この場合、加盟銀行Ｂ１においては、消費者口座Ｃ１から即時に代金が引き落とされて専用口座Ｍ１に入金され、加盟銀行Ｂ３においては、専用口座Ｍ３から即時に代金が引き出されて加盟店口座Ｐ１に入金される。これにより、消費者と加盟店との間で即時決済が行われたことになる。その一方で、専用口座Ｍ３においては立替取引が行われるため、残高がマイナスになるリスク（以下、赤残リスクという）が発生する。そのため、この場合には、上述した資金配置最適化モジュール２０による資金配置の最適化処理が必要となる場合がある。
Pattern (1)
As shown in FIG. 5, when a consumer who has a consumer account C1 in a member bank B1 makes a transaction (shopping, etc.) with a member store which has a member store account P1 in a member bank B3, when immediate settlement is performed think of. In this case, in the member bank B1, the money is immediately deducted from the consumer account C1 and deposited to the dedicated account M1, and in the member bank B3, the money is immediately withdrawn from the dedicated account M3 to the member store account P1. Be deposited. This results in immediate settlement between the consumer and the merchant. On the other hand, in the dedicated account M3, since a repayment transaction is performed, there is a risk that the balance becomes negative (hereinafter, referred to as a red residual risk). Therefore, in this case, there may be a case where the optimization process of the fund placement by the above-mentioned fund placement optimization module 20 is required.
パターン（２）
図６に示すように、加盟銀行Ｂ１に消費者口座Ｃ１を有する消費者と、加盟銀行Ｂ２に消費者口座Ｃ２を有する消費者とが、加盟銀行Ｂ３に加盟店口座Ｐ１を有する加盟店との間でそれぞれ取引を行った際に、２つの加盟銀行Ｂ１、Ｂ２から加盟銀行Ｂ３にまとめて着金させる場合を考える。この場合、加盟銀行Ｂ１においては、消費者口座Ｃ１から即時に代金が引き落とされ、専用口座Ｍ１にプールされる。また、加盟銀行Ｂ２においては、消費者口座Ｃ２から即時に代金が引き落とされ、専用口座Ｍ２にプールされる。そして、所定の締め日（例えば月末）に、プールされた代金（滞留資金）が専用口座Ｍ１、Ｍ２から引き出され、一括して専用口座Ｍ３に移動させられる。その後（例えば翌日）、専用口座Ｍ３から代金が引き出され、加盟店口座Ｐ１に入金される。この場合、図の左側から右側に向かって順繰りの資金移動となるため、専用口座Ｍ３に赤残リスクは発生しない。この場合、原則して上述した資金配置最適化モジュール２０による資金配置の最適化処理は不要となるが、一括して資金移動をすることにより資金移動の効率化（例えば、専用口座Ｍ１、Ｍ２から専用口座Ｍ３への振込手数料の節約）を図ることができる。なお、パターン（２）においても、このパターン以外の全体の資金移動により生じる専用口座の残高状況（後述の立替余力残高状況）によっては、立替払いを行い資金配置の最適化処理を行うようにしてもよい。
Pattern (2)
As shown in FIG. 6, a consumer who has a consumer account C1 at a member bank B1 and a consumer who has a consumer account C2 at a member bank B2 is a member store with a member store account P1 at a member bank B3. Let's consider a case where two member banks B1 and B2 collectively deposit money to a member bank B3 when making a transaction between them. In this case, in the member bank B1, the payment is immediately debited from the consumer account C1 and is pooled in the dedicated account M1. In addition, in the member bank B2, the payment is immediately withdrawn from the consumer account C2 and is pooled in the dedicated account M2. Then, on a predetermined closing date (for example, at the end of the month), the pooled money (retained funds) is withdrawn from the dedicated accounts M1 and M2 and collectively moved to the dedicated account M3. Thereafter (for example, the next day), the payment is withdrawn from the dedicated account M3 and deposited into the member store account P1. In this case, since the funds move sequentially from the left side to the right side of the figure, there is no red remaining risk in the dedicated account M3. In this case, although the optimization process of the fund allocation by the fund allocation optimization module 20 described above is not necessary in principle, efficient transfer of funds (for example, from dedicated accounts M1 and M2) by collectively transferring funds. It is possible to save the transfer fee to the dedicated account M3. Also in pattern (2), depending on the balance status of the dedicated account (the status of balance of available capacity to be described later) generated by the transfer of funds as a whole other than this pattern, reimbursements should be made to optimize the placement of funds. It is also good.
パターン（３）
図７に示すように、加盟銀行Ｂ２に消費者口座Ｃ２を有する消費者が、同じ加盟銀行Ｂ２に加盟店口座Ｐ３を有する加盟店との間で取引を行い、即時決済する場合を考える。この場合、消費者口座Ｃ２から即時に代金が引き落とされて専用口座Ｍ２に入金されると共に、専用口座Ｍ２から即時に代金が引き出されて加盟店口座Ｐ３に入金される。即ち、消費者と加盟店との間では即時決済となるが、専用口座Ｍ２に赤残リスクは発生しない。従って、資金配置最適化モジュール２０による最適化処理は必須ではない。ただし、加盟銀行Ｂ２内において、消費者口座Ｃ２と専用口座Ｍ２との間、及び、専用口座Ｍ２と加盟店口座Ｐ３との間における振替手数料が発生することもある。
Pattern (3)
As shown in FIG. 7, it is assumed that a consumer who has a consumer account C2 in a member bank B2 makes a transaction with a member store which has a member store account P3 in the same member bank B2 and makes an immediate settlement. In this case, the payment is immediately debited from the consumer account C2 and deposited into the dedicated account M2, and the payment is immediately withdrawn from the dedicated account M2 and deposited into the merchant account P3. That is, although it becomes an immediate settlement between the consumer and the member store, redout risk does not occur in the dedicated account M2. Therefore, the optimization process by the fund placement optimization module 20 is not essential. However, within the member bank B2, transfer fees may occur between the consumer account C2 and the dedicated account M2 and between the dedicated account M2 and the merchant account P3.
パターン（４）
図８に示すように、加盟銀行Ｂ２に消費者口座Ｃ２を有する消費者が、同じ加盟銀行Ｂ２に加盟店口座Ｐ３を有する加盟店との間で取引を行う別のパターンを考える。即ち、消費者口座Ｃ２から即時に引き落とされた代金を、専用口座Ｍ２に一旦プールしておく。そして、所定の締め日（例えば、１日１回、週に１回、月に１回など）に、プールされた代金（滞留資金）が専用口座Ｍ２から引き出され、一括して加盟店口座Ｐ３に移動させられる。この場合、加盟店側は、一定期間における取引の代金をまとめて受け取ることができるので、処理を簡素化することができる。
Pattern (4)
As shown in FIG. 8, consider another pattern where a consumer having a consumer account C2 at a member bank B2 transacts with a member store having a member store account P3 at the same member bank B2. That is, the money immediately withdrawn from the consumer account C2 is temporarily pooled in the dedicated account M2. Then, at a predetermined closing date (for example, once a day, once a week, once a month, etc.), the pooled money (dwelling funds) is withdrawn from the dedicated account M2 and collectively made to the member store account P3. It is moved. In this case, since the member store side can collectively receive the payment for the transaction in a fixed period, the processing can be simplified.
パターン（５）
図９に示すように、加盟銀行Ｂ１に消費者口座Ｃ１を有する消費者と、加盟銀行Ｂ２に消費者口座Ｃ２を有する消費者とが、非加盟銀行Ｎ１に加盟店口座Ｐ２を有する加盟店との間で取引を行った場合を考える。この場合、加盟銀行Ｂ１においては、消費者口座Ｃ１から即時に代金が引き落とされ、専用口座Ｍ１にプールされる。また、加盟銀行Ｂ２においては、消費者口座Ｃ２から即時に代金が引き落とされ、専用口座Ｍ２にプールされる。そして、所定の締め日（例えば月末）に、各専用口座Ｍ１、Ｍ２においてプールされた代金（滞留資金）が集約され、その後（例えば月初）、専用口座Ｍ１、Ｍ２間で滞留資金が集約される。例えば、図９においては、専用口座Ｍ１から専用口座Ｍ２に滞留資金を移動させている。さらにその後（例えば月初２日目）、滞留資金が１つの専用口座Ｍ２から非加盟銀行Ｎ１の加盟店口座Ｐ２に直接振り込まれる。この場合、専用口座Ｍ１、Ｍ２のいずれにおいても赤残リスクは発生しない。また、滞留資金が集約されるので、加盟店側は、一定期間における取引の代金をまとめて受け取ることができ、処理を簡素化することができる。
Pattern (5)
As shown in FIG. 9, a consumer who has a consumer account C1 at a member bank B1, a consumer who has a consumer account C2 at a member bank B2, a member store who has a member store account P2 at a non-member bank N1 and Consider the case of trading between. In this case, in the member bank B1, the payment is immediately debited from the consumer account C1 and is pooled in the dedicated account M1. In addition, in the member bank B2, the payment is immediately withdrawn from the consumer account C2 and is pooled in the dedicated account M2. Then, on the predetermined closing date (for example, at the end of the month), the charges (dwelling funds) pooled in the dedicated accounts M1 and M2 are collected, and thereafter (for example, at the beginning of the month), the staying funds are collected between the dedicated accounts M1 and M2. For example, in FIG. 9, the staying funds are moved from the dedicated account M1 to the dedicated account M2. Further thereafter (for example, on the second day of the month), the accumulated funds are directly transferred from one dedicated account M2 to the merchant account P2 of the non-member bank N1. In this case, there is no risk of remaining red in any of the dedicated accounts M1 and M2. In addition, since the accumulated funds are collected, the member store side can collectively receive the payment for the transaction in a fixed period, and the processing can be simplified.
図１に示す決済システム１は、取引の決済だけでなく、個人間の送金に利用することもできる。決済システム１を個人間の送金に利用する場合には、資金の支払者及び受取者の双方の消費者端末に、専用のアプリケーションプログラム（送金アプリ）を予めインストールしておく。そして、資金の支払者は、消費者端末から決済プラットフォーム２の決済モジュール１０に、自身の口座から資金を引き出して送金する旨の指示（送金指示）を送信し、資金の受取者（の消費者端末）に対して決済プラットフォーム２の決済モジュール１０から、当該送金指示を送信する。 The settlement system 1 shown in FIG. 1 can be used not only for settlement of transactions but also for remittance between individuals. When the payment system 1 is used for remittance between individuals, a dedicated application program (a remittance application) is installed in advance on the consumer terminals of both the payer and the receiver of the funds. Then, the payer of the funds transmits an instruction (remittance instruction) to withdraw the funds from his account and transfer money from the consumer terminal to the payment module 10 of the payment platform 2, and the recipient of the funds (the consumer of The remittance instruction is transmitted from the settlement module 10 of the settlement platform 2 to the terminal).
パターン（６）
図５に示すように、加盟銀行Ｂ４に消費者口座Ｃ３を有する消費者から、加盟銀行Ｂ５に消費者口座Ｃ５を有する消費者に送金する場合を考える。この場合、加盟銀行Ｂ４においては、消費者口座Ｃ３から即時に資金が引き出されて専用口座Ｍ４に入金され、加盟銀行Ｂ５においては、専用口座Ｍ５から即時に資金が引き出されて消費者口座Ｃ５に入金される。これにより、２人の消費者の間で即時送金が行われたことになる。その一方で、専用口座Ｍ５においては立替取引が行われるため、赤残リスクが発生する。そのため、この場合には、上述した資金配置最適化モジュール２０による資金配置の最適化処理が必要となる場合がある。
Pattern (6)
As shown in FIG. 5, consider a case where a consumer who has a consumer account C3 in a member bank B4 transfers money to a consumer who has a consumer account C5 in a member bank B5. In this case, in the member bank B4, funds are immediately withdrawn from the consumer account C3 and deposited in the dedicated account M4, and in the member bank B5, funds are immediately withdrawn from the dedicated account M5 and transferred to the consumer account C5. Be deposited. This means that an immediate remittance has been made between the two consumers. On the other hand, in the dedicated account M5, a redemption risk is generated because a repayment transaction is performed. Therefore, in this case, there may be a case where the optimization process of the fund placement by the above-mentioned fund placement optimization module 20 is required.
パターン（７）
図６に示すように、加盟銀行Ｂ４に消費者口座Ｃ３を有する消費者から、同じ加盟銀行Ｂ４に消費者口座Ｃ４を有する消費者に送金する場合を考える。この場合、消費者口座Ｃ３から即時に資金が引き出されて専用口座Ｍ４に入金されると共に、専用口座Ｍ４から即時に資金が引き出されて消費者口座Ｃ４に入金される。即ち、２人の消費者の間では即時送金となるが、専用口座Ｍ４に赤残リスクは発生しない。従って、資金配置最適化モジュール２０による最適化処理は必須ではない。ただし、加盟銀行Ｂ４内において、消費者口座Ｃ３と専用口座Ｍ４との間、及び、専用口座Ｍ４と消費者口座Ｃ４との間における振替手数料が発生することもある。
Pattern (7)
As shown in FIG. 6, consider a case where a consumer who has a consumer account C3 in a member bank B4 transfers money to a consumer who has a consumer account C4 in the same member bank B4. In this case, funds are withdrawn immediately from the consumer account C3 and deposited in the dedicated account M4, and funds are withdrawn immediately from the dedicated account M4 and deposited in the consumer account C4. That is, although it becomes an immediate remittance between two consumers, the red balance risk does not occur in the dedicated account M4. Therefore, the optimization process by the fund placement optimization module 20 is not essential. However, within the member bank B4, transfer fees may occur between the consumer account C3 and the dedicated account M4 and between the dedicated account M4 and the consumer account C4.
パターン（８）
図７に示すように、加盟銀行Ｂ４に消費者口座Ｃ３を有する消費者から、加盟銀行Ｂ５に消費者口座Ｃ５を有する消費者に送金する場合を考える。ここで、資金の受取者側において、消費者端末への送金アプリのインストールや口座登録等を完了していない場合、送金者からの送金指示を受けた決済モジュールが、加盟銀行による受取者消費者端末へ送金指示を保留する。このような場合、加盟銀行Ｂ４において、消費者口座Ｃ３から即時に資金が引き出されて専用口座Ｍ４に入金されたとしても、加盟銀行Ｂ５においては、専用口座Ｍ５から消費者口座Ｃ５への即時入金は行われない。ただし、支払者側の消費者端末から送金指示が送信されてから所定時間（例えば４８時間）以内に口座登録等が完了した場合であれば、決済モジュールは、加盟銀行による受取者側の消費者端末への送金指示を行い、加盟銀行Ｂ５において専用口座Ｍ５から消費者口座Ｃ５への振替が行われる。他方、支払者側の消費者端末から送金指示が送信されてから所定時間が経過しても、受取者側の消費者端末での口座登録等が完了しない場合、加盟銀行Ｂ４において、専用口座Ｍ４から消費者口座Ｃ３に資金が戻される。このように、所定時間内に受取者側の消費者端末において送金指示を受け取った場合、専用口座Ｍ５において立替取引が行われるため、赤残リスクが発生する。そのため、この場合には、上述した資金配置最適化モジュール２０による資金配置の最適化処理が必要となる場合がある。他方、所定時間内に受取者側の消費者端末において送金指示を受取不能であった場合、立替取引は行われず、赤残リスクは発生しない。
Pattern (8)
As shown in FIG. 7, consider a case where a consumer who has a consumer account C3 in a member bank B4 transfers money to a consumer who has a consumer account C5 in a member bank B5. Here, when the recipient of the funds has not completed installation of the remittance application on the consumer terminal, account registration, etc., the payment module receiving the remittance instruction from the remittance recipient is the recipient consumer by the member bank. Suspend the remittance instruction to the terminal. In such a case, even if the member bank B4 immediately withdraws funds from the consumer account C3 and deposits it to the dedicated account M4, the member bank B5 immediately deposits the dedicated account M5 to the consumer account C5. Will not take place. However, if the account registration and the like is completed within a predetermined time (for example, 48 hours) after the remittance instruction is transmitted from the payer's side consumer terminal, the payment module will A remittance instruction to the terminal is issued, and transfer from the dedicated account M5 to the consumer account C5 is performed in the member bank B5. On the other hand, if the account registration etc. on the recipient's consumer terminal is not completed even if a predetermined time has elapsed since the remittance instruction was sent from the consumer terminal on the payer's side, the member bank B4 uses a dedicated account M4. Funds are returned to the consumer account C3. As described above, when the remittance instruction is received at the receiver's consumer terminal within a predetermined time, a red-on-remaining risk occurs because a repayment transaction is performed in the dedicated account M5. Therefore, in this case, there may be a case where the optimization process of the fund placement by the above-mentioned fund placement optimization module 20 is required. On the other hand, if the remittance instruction can not be received at the recipient's consumer terminal within the predetermined time, no repurchase transaction is performed and no red residual risk occurs.
以上説明したパターン（１）〜（８）のうち、パターン（１）（６）（８）においては、専用口座において立替取引が発生するため、赤残リスクがある。これに対し、パターン（２）（３）（４）（５）（７）は、順繰りに資金移動するため、専用口座における赤残リスクはない。従って、パターン（１）（６）（８）と、パターン（２）（３）（４）（５）（７）とを区別して、資金配置の最適化ロジックを検討する必要がある。 Among the patterns (1) to (8) described above, in the patterns (1) (6) and (8), there is a risk of remaining red because a replacement transaction occurs in the dedicated account. On the other hand, in the patterns (2) (3) (4) (5) (7), there is no risk of remaining red in the dedicated account since the funds are transferred in order. Therefore, it is necessary to distinguish the pattern (1) (6) (8) and the pattern (2) (3) (4) (5) (7) and to consider the optimization logic of the fund placement.
次に、複数の専用口座間における資金配置の最適化について説明する。図１０は、１つの専用口座における残高の変動を説明するためのグラフである。このグラフにおいて、横軸は時間を示す。 Next, optimization of fund allocation among a plurality of dedicated accounts will be described. FIG. 10 is a graph for explaining the fluctuation of the balance in one dedicated account. In this graph, the horizontal axis indicates time.
図１０に示すように、専用口座の残高は、パターン（１）（６）（８）において発生する立替取引のための立替余力残高（グラフ（ａ）参照、上向きが正）と、立替取引以外の取引、即ち、パターン（２）（３）（４）（５）（７）において発生する取引の残高（グラフ（ｂ）参照、下向きが正）とに分けることができる。つまり、専用口座の実質的な残高（実残高）は、立替余力残高とその他の取引の残高との和（図１０においては、グラフ（ａ）とグラフ（ｂ）との間隔）と考えることができる。 As shown in FIG. 10, the balance of the dedicated account is the balance of repayment capacity for repurchase transactions generated in patterns (1) (6) (8) (refer to graph (a), positive upward), and other than repurchase transactions Can be divided into the balance of the transaction (see graph (b), positive in the downward direction) occurring in the patterns (2) (3) (4) (5) (7). In other words, the actual balance (actual balance) of the dedicated account may be considered as the sum of the remaining available balance and the balance of other transactions (the interval between graph (a) and graph (b) in FIG. 10). it can.
立替余力残高については、専用口座ごとにデフォルト値と下限閾値とが設定されている。図１０において、デフォルト値は下限閾値の２倍に設定されている。資金配置最適化ロジックに基づく資金調整は、このデフォルト値及び下限閾値に基づいて実行される。例えば、グラフ（ａ）に示すように、立替による出金が利用者（代金の支払者、送金者等）からの入金よりも多い場合、立替余力残高が減少していく。そして、立替余力残高が下限閾値に至ると、他の銀行に設けられた専用口座から資金の補填を受け、立替余力残高がデフォルト値に戻るまで当該専用口座に入金される。また、立替による出金が利用者からの入金よりも多い場合、立替余力残高は増加していく。そして、立替余力残高がデフォルト値を超えると、他の銀行に設けられた専用口座の資金を補填するため、デフォルト値を下限として当該専用口座から出金される。 With regard to the balance of outstanding capacity, a default value and a lower limit threshold are set for each dedicated account. In FIG. 10, the default value is set to twice the lower limit threshold. Fund adjustment based on the fund placement optimization logic is performed based on the default value and the lower threshold. For example, as shown in the graph (a), when the withdrawal payment is greater than the payment from the user (payer of money, remittance person, etc.), the balance of the available reserve capacity decreases. Then, when the repayment capacity balance reaches the lower limit threshold, the repayment of funds from a special account provided in another bank is received, and the repayment capacity balance is deposited to the special account until the default value is returned. In addition, when the withdrawal amount by withdrawal is more than the payment from the user, the balance of outstanding ability increases. Then, if the balance of available capacity exceeds the default value, the bank account is withdrawn from the dedicated account with the default value as the lower limit, in order to compensate for the funds of the dedicated account established in another bank.
このような資金移動（補填入金、補填出金）を適時に行うことにより、立替余力残高が大幅に変動するリスク（残高リスク）を抑制することができる。資金移動を行うタイミングは、立替余力残高が下限閾値を下回ったタイミングの他、資金移動（図１に示す振込のＡＰＩ１３、１４参照）に停止期間が予定されている場合にはその直前など、適宜設定しても良い。或いは、このタイミングを、決済プラットフォーム２の運用者が決定しても良い。 By carrying out such money transfer (compensation deposit, compensation withdrawal) in a timely manner, it is possible to suppress the risk (balance risk) that the balance of outstanding funds significantly changes. The timing to transfer funds is appropriate when the suspension period is scheduled for the fund transfer (see API 13 and 14 of the transfer shown in FIG. 1) other than the timing when the reserve capacity balance falls below the lower threshold. You may set it. Alternatively, the operator of the payment platform 2 may determine this timing.
他方、グラフ（ｂ）に示すように、その他の残高については、利用者からの入金をプールした滞留資金が徐々に増加する。そして、日次処理や月次処理といった所定のタイミングで、滞留資金を別の専用口座に送金（振込）することにより、残高は一時的に減少する。その後、再び滞留資金が増加するというサイクルが繰り返される。その他の残高については、順繰りの資金移動となり、基本的に赤残リスクは発生しないため、リスク回避のための資金移動をする必要はない。 On the other hand, as shown in the graph (b), for other balances, the accumulated funds obtained by pooling the deposits from users gradually increase. Then, the balance is temporarily reduced by transferring (transferring) the accumulated funds to another dedicated account at a predetermined timing such as daily processing or monthly processing. After that, the cycle in which the staying capital increases again is repeated. With regard to other balances, there is no need to transfer funds for risk avoidance, as the transfer of funds will be in order and there will be basically no risk of residual red.
図１１は、複数の専用口座間における資金配置最適化の原理を説明するための模式図である。図１１に示すように、加盟銀行Ｂ１〜Ｂ５の各々に専用口座が設けられているとする。これらの専用口座に対し、立替余力残高の下限閾値を、専用口座ごとに設定する。下限閾値は、専用口座が設けられた銀行における消費者口座及び加盟店口座の数や、加盟店の規模（売上や取引量）等に応じて適宜設定すれば良い。また、立替余力残高のデフォルト値は、下限閾値の所定倍に設定される。立替余力残高のデフォルト値は、資金力等に応じて適宜設定することができる。以下、下限閾値に対する立替余力残高のことを、下限閾値比という。図１１において、立替余力残高のデフォルト値は下限閾値の２．０倍に設定されている。 FIG. 11 is a schematic diagram for explaining the principle of money placement optimization among a plurality of dedicated accounts. As shown in FIG. 11, it is assumed that each of the member banks B1 to B5 is provided with a dedicated account. For these dedicated accounts, the lower limit threshold of the outstanding balance is set for each dedicated account. The lower limit threshold may be appropriately set according to the number of consumer accounts and affiliated store accounts in a bank provided with a dedicated account, the size of a member store (sales and transaction amount), and the like. In addition, the default value of the remaining capacity balance is set to a predetermined multiple of the lower limit threshold. The default value of the balance of available capacity can be set appropriately according to the financial ability and the like. Hereinafter, the balance of the available capacity against the lower limit threshold is referred to as the lower limit threshold ratio. In FIG. 11, the default value of the reserve capacity balance is set to 2.0 times the lower limit threshold.
ある専用口座において、立替余力残高が下限閾値まで低下した場合、その時点で、最も下限閾値比が高い専用口座から順に、下限閾値に至った専用口座に資金が補填される。資金の補填は、補填先の専用口座における立替余力残高がデフォルト値に達するまで行われる。また、補填元の専用口座は、資金の補填により立替余力残高がデフォルト値まで低下すると交替する。例えば、図１１の場合、加盟銀行Ｂ１の専用口座が下限閾値まで低下したため（下限閾値比１．０倍）、まず、下限閾値比が３．２倍である加盟銀行Ｂ５の専用口座から資金が補填され、加盟銀行Ｂ５の専用口座からの資金補填により加盟銀行Ｂ１の専用口座における立替余力残高がデフォルト値に達しなかった場合は、その次に、下限閾値比の大きい２．８倍である加盟銀行Ｂ３の専用口座から資金が補填される。 In a dedicated account, when the balance of available capacity falls to the lower limit threshold, funds are replenished to the dedicated account having reached the lower limit threshold sequentially from the dedicated account having the highest lower limit threshold ratio at that time. Refunding of funds will be conducted until the outstanding balance in the dedicated account to be compensated reaches the default value. In addition, the exclusive account of the compensation source will be replaced when the balance of available capacity falls to the default value due to the compensation of funds. For example, in the case of FIG. 11, since the dedicated account of the member bank B1 is lowered to the lower threshold (the lower threshold ratio is 1.0 times), the funds from the dedicated account of the member bank B5 whose lower threshold ratio is 3.2 times are If it is compensated and the outstanding balance in the dedicated account of member bank B1 does not reach the default value due to the supplementary account from member bank B5's exclusive account, then it is a member with a large lower limit threshold ratio of 2.8 times The funds are replenished from the bank B3 dedicated account.
このようなロジックで資金配置を最適化することにより、個々の専用口座における資金不足を防ぎつつ、消費者と加盟店との間における即時決済や、消費者同士の即時送金を実現することが可能となる。 By optimizing the placement of funds with this kind of logic, it is possible to realize immediate settlement between consumers and member stores and immediate remittance between consumers while preventing shortage of funds in individual dedicated accounts. It becomes.
デフォルト値及び下限閾値は、所定期間（例えば、所定の時間帯や曜日、日にち（月末、月初、五・十日など）や月など）における決済金額に基づいて適宜設定することができ、変更することも可能であり、デフォルト値と下限閾値の少なくとも一方を変更しても良い。また、天候や地域のイベントなどの外部要因に基づいてデフォルト値と下限閾値の少なくとも一方を変化させても良い。例えば、年に一度の地域イベントがある場合に、前年の決済金額に関するデータに基づいて、当年における下限閾値又はデフォルト値を設定しても良い。 The default value and the lower limit threshold can be appropriately set based on the settlement amount in a predetermined period (for example, a predetermined time zone, day of the week, date (the end of the month, the beginning of the month, five or ten days, etc.) or the month). It is also possible to change at least one of the default value and the lower threshold. In addition, at least one of the default value and the lower threshold may be changed based on external factors such as weather and local events. For example, when there is a regional event once a year, the lower limit threshold or the default value in the current year may be set based on data on the settlement amount of the previous year.
また、特定の要因と各専用口座における決済金額とを対応づけた情報を格納するデータベースを用意し、該データベースに基づいて各専用口座のデフォルト値や下限閾値を、資金配置最適化モジュール２０において自動設定しても良い。このように、外部要因に基づいてデフォルト値や下限閾値を設定することにより、外部要因を考慮した資金配置の最適化を図ることが可能となる。 In addition, a database storing information in which specific factors are associated with the settlement amount in each dedicated account is prepared, and based on the database, the default value and the lower threshold of each dedicated account are automatically You may set it. As described above, by setting the default value and the lower limit threshold based on the external factor, it becomes possible to optimize the allocation of funds in consideration of the external factor.
以上説明したように、本実施形態によれば、複数の銀行に複数の専用口座をそれぞれ設け、各銀行内において、消費者口座又は加盟店口座と専用口座との間で振替を行うことにより、第三者間における決済又は送金を仲介することができる。また、本実施形態によれば、外部要因を含む種々のパラメータを考慮して、複数の専用口座間における資金配置や資金移動の最適化を図るので、各専用口座における資金不足を防ぎ、安定的に決済又は送金処理を行うことができ、資金移動の手数料を抑制することも可能となる。 As described above, according to the present embodiment, a plurality of dedicated accounts are respectively provided to a plurality of banks, and transfer is performed between a consumer account or a member store account and a dedicated account in each bank. It can mediate settlement or remittance between third parties. Further, according to the present embodiment, optimization of fund placement and fund transfer among a plurality of dedicated accounts is achieved in consideration of various parameters including external factors, so that lack of funds in each dedicated account can be prevented and stable. It is also possible to carry out settlement or remittance processing, and to suppress the fee for money transfer.
１ 決済システム
２ 決済プラットフォーム
３ 運用者
１０ 決済モジュール
１１、１２、１３、１４ ＡＰＩ
２０ 資金配置最適化モジュール
２１ 警告通知部
２２ 入出金管理部
３１ 消費者端末
３２ 加盟店端末
Ｂ１〜Ｂ５ 加盟銀行
Ｃ１〜Ｃ５ 消費者口座
Ｍ１〜Ｍ５ 専用口座
Ｎ１ 非加盟銀行
Ｐ１〜Ｐ３ 加盟店口座
ａ１１ 消費者普通口座
ａ１２ 消費者定期口座
ａ１３ 消費者ローン口座
ａ１４、ａ１５ 加盟店口座
1 payment system 2 payment platform 3 operator 10 payment module 11, 12, 13, 14 API
20 Funds Allocation Optimization Module 21 Warning Notification Unit 22 Deposit and Withdrawal Management Unit 31 Consumer Terminal 32 Member Store Terminal B1 to B5 Member Bank C1 to C5 Consumer Account M1 to M5 Dedicated Account N1 Non Member Bank P1 to P3 Member Store Account a11 Consumer ordinary account a12 Consumer regular account a13 Consumer loan account a14, a15 Merchant account
Claims (6)
互いに異なる複数の銀行に、第三者間における決済の仲介に用いられる複数の専用口座がそれぞれ設けられ、
前記複数の銀行のうちの第１の銀行に前記支払者の口座が設けられ、前記複数の銀行のうち前記第１の銀行とは異なる第２の銀行に前記受取者の口座が設けられ、
前記支払者から前記受取者への代金の支払い情報を受信した際に、該支払い情報に基づいて、前記支払者の口座から前記第１の銀行に設けられた専用口座に前記代金を引き落とさせる指示を行うと共に、前記第２の銀行に設けられた専用口座から前記受取者の口座に前記代金を入金させる指示を行う決済モジュールと、
前記複数の専用口座における資金の配置状況を取得し、該配置状況に基づいて前記複数の専用口座の間で資金を移動させる指示を行うことにより、前記複数の専用口座における資金を調整する資金調整モジュールと、
を備える決済システム。 A settlement system that mediates settlement between a payer who pays and a payee who receives the money,
A plurality of different banks are each provided with a plurality of dedicated accounts used to mediate settlement among third parties,
The payer's account is provided to the first bank of the plurality of banks, and the payee's account is provided to the second bank of the plurality of banks different from the first bank.
When payment information for the payment from the payer to the payee is received, an instruction to debit the payment from the payer's account to a dedicated account provided for the first bank based on the payment information A settlement module for instructing to deposit the money from the dedicated account provided in the second bank to the account of the recipient while
Fund adjustment that adjusts funds in the plurality of dedicated accounts by obtaining the placement status of funds in the plurality of dedicated accounts and instructing to move funds among the plurality of dedicated accounts based on the placement status Modules,
A payment system comprising:
前記資金調整モジュールは、前記複数の専用口座のうちのいずれかの専用口座において残高が下限閾値まで低下した場合に、残高がデフォルト値を超える専用口座から残高が下限閾値まで低下した専用口座に資金を移動させる指示を行う、
請求項１に記載の決済システム。 For each of the plurality of dedicated accounts, a default value and a lower threshold of the balance are set,
The funds adjustment module funds the dedicated account whose balance exceeds the default value to the dedicated account whose balance has dropped to the lower limit threshold when the balance has dropped to the lower threshold in any of the dedicated accounts of the plurality of dedicated accounts. Give instructions to move
The payment system according to claim 1.
前記資金調整モジュールは、前記複数の専用口座における資金の残高の合計が所定値を下回った場合に、前記通知手段に対し、資金不足である旨の警告を通知させる、
請求項１〜５のいずれか１項に記載の決済システム。 The system further comprises notification means for giving a predetermined notification under the control of the money adjustment module,
The funds adjustment module notifies the notifying unit of a warning that the funds are insufficient when the sum of funds balance in the plurality of dedicated accounts falls below a predetermined value.
The settlement system according to any one of claims 1 to 5.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP2017240295A JP7034698B2 (en) | 2017-12-15 | 2017-12-15 | Payment systems, payment methods, and programs |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP2017240295A JP7034698B2 (en) | 2017-12-15 | 2017-12-15 | Payment systems, payment methods, and programs |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| JP2019109565A true JP2019109565A (en) | 2019-07-04 |
| JP7034698B2 JP7034698B2 (en) | 2022-03-14 |
Family
ID=67179747
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| JP2017240295A Active JP7034698B2 (en) | 2017-12-15 | 2017-12-15 | Payment systems, payment methods, and programs |
Country Status (1)
| Country | Link |
|---|---|
| JP (1) | JP7034698B2 (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2021051696A (en) * | 2019-09-26 | 2021-04-01 | 株式会社ジェーシービー | Settlement server, program, and settlement processing method |
| JP2021162887A (en) * | 2020-03-30 | 2021-10-11 | 株式会社ジェーシービー | Remittance server, program, and information processing method |
| WO2023167110A1 (en) * | 2022-03-02 | 2023-09-07 | 株式会社Ｍｒｓホールディングズ | Electronic money service system and electronic money settlement method |
Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2004220119A (en) * | 2003-01-09 | 2004-08-05 | Toshiba Corp | Fund management system |
| JP2006243796A (en) * | 2005-02-28 | 2006-09-14 | Add 1:Kk | Account fund transfer support system |
| JP2009193478A (en) * | 2008-02-18 | 2009-08-27 | Mizuho Information & Research Institute Inc | Fund transfer processing system, fund transfer processing method, and fund transfer processing program |
| JP2010271813A (en) * | 2009-05-20 | 2010-12-02 | Balantec Ltd | Settlement processing method and device |
| JP2016122264A (en) * | 2014-12-24 | 2016-07-07 | 株式会社日本総合研究所 | Pooling system and pooling method |
-
2017
- 2017-12-15 JP JP2017240295A patent/JP7034698B2/en active Active
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2004220119A (en) * | 2003-01-09 | 2004-08-05 | Toshiba Corp | Fund management system |
| JP2006243796A (en) * | 2005-02-28 | 2006-09-14 | Add 1:Kk | Account fund transfer support system |
| JP2009193478A (en) * | 2008-02-18 | 2009-08-27 | Mizuho Information & Research Institute Inc | Fund transfer processing system, fund transfer processing method, and fund transfer processing program |
| JP2010271813A (en) * | 2009-05-20 | 2010-12-02 | Balantec Ltd | Settlement processing method and device |
| JP2016122264A (en) * | 2014-12-24 | 2016-07-07 | 株式会社日本総合研究所 | Pooling system and pooling method |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2021051696A (en) * | 2019-09-26 | 2021-04-01 | 株式会社ジェーシービー | Settlement server, program, and settlement processing method |
| JP7159140B2 (en) | 2019-09-26 | 2022-10-24 | 株式会社ジェーシービー | Payment server, program, and payment processing method |
| JP2021162887A (en) * | 2020-03-30 | 2021-10-11 | 株式会社ジェーシービー | Remittance server, program, and information processing method |
| JP7047009B2 (en) | 2020-03-30 | 2022-04-04 | 株式会社ジェーシービー | Remittance server, program, and information processing method |
| WO2023167110A1 (en) * | 2022-03-02 | 2023-09-07 | 株式会社Ｍｒｓホールディングズ | Electronic money service system and electronic money settlement method |
Also Published As
| Publication number | Publication date |
|---|---|
| JP7034698B2 (en) | 2022-03-14 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US20190220833A1 (en) | System and method for intraday netting payment finality with supplemental funding | |
| US8019668B1 (en) | System and method for allocation to obtain zero activity in a selected aggregated account with holdback | |
| JP6895430B2 (en) | Fractional Fund Transfer Accumulation System, Programs and Methods | |
| JP7034698B2 (en) | Payment systems, payment methods, and programs | |
| US20190172155A1 (en) | System and method for scheduling data transactions | |
| CN101877107A (en) | Conglomerate founds collecting service system and application method thereof | |
| WO2017169551A1 (en) | Remuneration payment coordination system and remuneration payment coordination method | |
| JP7473990B2 (en) | Management server used in electronic information processing systems | |
| JP6754725B2 (en) | Information processing system and fractional fund transfer storage system | |
| JP2008135017A (en) | Investment information processor, system, method, program, and program for investment information processing system | |
| JP7212186B1 (en) | Information processing system, information processing method and information processing program | |
| JP7221364B1 (en) | Information processing device, information processing method and information processing program | |
| JP7008765B2 (en) | Information processing systems, programs and methods | |
| Leinonen | Interbank funds transfer systems: liquidity needs, counterparty risks and collateral | |
| JP2003288490A (en) | Automatic processing system, aggregation server and automatic processing method | |
| JP5568697B1 (en) | Account management server | |
| JP2011242960A (en) | Electronic assigning credit options determination system | |
| JP6178945B1 (en) | Fractional funds transfer accumulation system, program and method | |
| JP7245934B2 (en) | Information processing system | |
| Pfister | (Real-) Time Is Money | |
| JP7425427B1 (en) | Digital asset trading and clearing processing system | |
| JP3611110B2 (en) | System, method and program for completion process of the previous date, program for cancel / recut main process used therefor, resource optimization system, program and program for cancel / reexecute main process used therefor | |
| JP7140900B1 (en) | Information processing device, information processing method and information processing program | |
| JP7212197B1 (en) | Information processing device, information processing method and information processing program | |
| JP7140901B1 (en) | Information processing device, information processing method and information processing program |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| A621 | Written request for application examination |
Free format text: JAPANESE INTERMEDIATE CODE: A621 Effective date: 20200713 |
|
| A977 | Report on retrieval |
Free format text: JAPANESE INTERMEDIATE CODE: A971007 Effective date: 20210430 |
|
| A131 | Notification of reasons for refusal |
Free format text: JAPANESE INTERMEDIATE CODE: A131 Effective date: 20210519 |
|
| A521 | Request for written amendment filed |
Free format text: JAPANESE INTERMEDIATE CODE: A523 Effective date: 20210629 |
|
| A131 | Notification of reasons for refusal |
Free format text: JAPANESE INTERMEDIATE CODE: A131 Effective date: 20210827 |
|
| A521 | Request for written amendment filed |
Free format text: JAPANESE INTERMEDIATE CODE: A523 Effective date: 20210927 |
|
| TRDD | Decision of grant or rejection written | ||
| A01 | Written decision to grant a patent or to grant a registration (utility model) |
Free format text: JAPANESE INTERMEDIATE CODE: A01 Effective date: 20220201 |
|
| A61 | First payment of annual fees (during grant procedure) |
Free format text: JAPANESE INTERMEDIATE CODE: A61 Effective date: 20220302 |
|
| R150 | Certificate of patent or registration of utility model |
Ref document number: 7034698 Country of ref document: JP Free format text: JAPANESE INTERMEDIATE CODE: R150 |