Deposit processing system and deposit processing method

Abstract

To provide a deposit processing system configured to enable safe deposit processing for reload, using a one-time password.SOLUTION: A reload management server issues a one-time password having a time limit, for a reload request telegram from an information terminal, and transmits a response telegram including the one-time password and a receiving account. On receipt of a transfer operation completion telegram, a financial institution server registers deposit of the amount transferred to an account of a financial institution indicated by transfer account information included in the transfer operation completion telegram, in association with transfer requester information, transmits, after the deposit registration, a linkage telegram to the reload management server. The reload management server updates remaining balance corresponding to a user indicated by the transfer requester information, by the amount transferred, when a one-time password is valid within the time limit based on the linkage telegram and when the one-time password is coincident with the one-time password for the reload request telegram from the information terminal.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] The present invention relates to a deposit processing system and a deposit processing method. [Background technology]

[0002] As a conventional deposit processing system for depositing money into a specific account of a financial institution, Patent Document 1 discloses a system for depositing money using a bank system to make a money terminal available by writing an available balance to a money terminal such as an electronic money card for charging. In the system disclosed in Patent Document 1, the name and the money terminal ID of the money terminal to be charged are input to the bank system as client information.

[0003] Patent Document 2 discloses a salary advance payment system in which a one-time password is issued to a user's information terminal, and the user is authenticated by the one-time password, thereby charging electronic money to an electronic money medium in a salary advance format. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] JP 2006-53846 A [Patent Document 2] JP 2020-4143 A Summary of the Invention [Problem to be solved by the invention]

[0005] In conventional deposit processing systems, a charge management server that issues one-time passwords to information terminals exists separately from the financial institution's system, such as the bank system mentioned above, and financial institution information such as the user's bank account information and credit card number information is typically registered in advance in the charge management server, making it possible to charge electronic money, etc., using this registered information.

[0006] However, in conventional information processing systems, since a user's financial institution information is registered in a charge management server other than the financial institution's system, the charge management server must take sufficient measures to prevent the leakage of financial institution information.

[0007] Therefore, the object of the present invention is to address such problems and provide a deposit processing system and a deposit processing method that enable safe deposit processing for charging using a one-time password without using a user's financial institution information anywhere other than the financial institution's system. [Means for solving the problem]

[0008] The deposit processing system of the present invention is a deposit processing system comprising a charge management server and a financial institution server connected to each other for communication, wherein the charge management server has a password issuing means for issuing a one-time password having an expiration date corresponding to a charge application message when the charge management server receives a charge application message from an information terminal, and a first transmitting means for transmitting a response message including the one-time password and transfer destination information indicating an account of a financial institution to the information terminal, and the financial institution server has registration means for registering a deposit of the transfer amount to the account of the financial institution indicated by the transfer destination information in association with the transfer request information when the financial institution server receives a transfer operation completion message including the one-time password, the transfer destination information, transfer requester information, and the transfer amount, in association with the transfer requester information, and a transfer operation completion message including the one-time password, the transfer destination information, the transfer requester information, and the transfer amount, and and a second transmitting means for transmitting an integrated message including the one-time password, the transfer client information, and the transfer amount to the charge management server, wherein the charge management server further comprises a first determining means for determining whether the one-time password included in the integrated message is within the expiration date and matches the one-time password corresponding to the charge application message from the information terminal, and an updating means for increasing / updating the charge balance corresponding to the user indicated by the transfer client information included in the integrated message by the transfer amount included in the integrated message when the one-time password included in the integrated message is within the expiration date and matches the one-time password corresponding to the charge application message from the information terminal.

[0009] The deposit processing method of the present invention is a deposit processing method for a deposit processing system having a charge management server and a financial institution server connected to each other for communication, comprising the steps of: when the charge management server accepts a charge application message from an information terminal, issuing a one-time password having an expiration date corresponding to the charge application message; the charge management server transmitting a response message including the one-time password and transfer destination information indicating an account of a financial institution to the information terminal; when the financial institution server accepts a transfer operation completion message including the one-time password, the transfer destination information, transfer requester information, and transfer amount, registering a deposit of the transfer amount to the account of the financial institution indicated by the transfer destination information in association with the transfer requester information; and the financial institution server transmitting the transfer amount to the transfer requester information after the deposit registration. the charge management server to transmit a linked message including the one-time password, the transfer client information, and the transfer amount included in a transfer operation completion message; the charge management server to determine whether the one-time password included in the linked message is within the expiration date and matches the one-time password corresponding to the charge application message from the information terminal; and the charge management server to increase and update the charge balance corresponding to the user indicated by the transfer client information included in the linked message by the transfer amount included in the linked message if the one-time password included in the linked message is within the expiration date and matches the one-time password corresponding to the charge application message from the information terminal.

[0010] The deposit processing system of the present invention is a deposit processing system comprising an information terminal, a charge management server, a transfer device, and a financial institution server, all connected to each other for communication, wherein the information terminal has a terminal transmission means for transmitting a charge application message to the charge management server in response to an input operation, the charge management server has a password issuing means for issuing a one-time password having an expiration date corresponding to the charge application message when the charge application message is received, and a first transmission means for transmitting a response message to the information terminal, the response message including the one-time password and transfer destination information indicating an account of a financial institution, the information terminal further has a display means for displaying the one-time password and the transfer destination information included in the response message, and the transfer device has a first input means for accepting transfer requester information and a transfer amount together with the one-time password and the transfer destination information displayed on the display means in response to an input operation, a second input means for accepting a transfer of the transfer amount in response to an input operation, and a reception of the transfer of the transfer amount by the second input means. and a transfer sending means for sending a transfer operation completion message to the financial institution server, the transfer operation completion message including the one-time password accepted by the first input means, the transfer destination information, the transfer client information, and the transfer amount, wherein the financial institution server has a registration means for, upon accepting the transfer operation completion message, registering a deposit of the transfer amount to an account of the financial institution indicated by the transfer destination information in association with the transfer client information, and a second transmission means for sending a linked message to the charge management server, the linking message including the one-time password, the transfer client information, and the transfer amount after the deposit registration, wherein the charge management server has a first determination means for determining whether the one-time password included in the linked message is within the expiration date and matches the one-time password corresponding to the charge application message from the information terminal, and when the one-time password included in the linked message is within the expiration date and matches the one-time password corresponding to the charge application message from the information terminal,and updating means for updating the charge balance corresponding to the user indicated by the remittance requester information included in the linked message by increasing the remittance amount included in the linked message.

[0011] Further, the deposit processing method of the present invention is a deposit processing method of a deposit processing system including an information terminal, a charge management server, a transfer device, and a financial institution server, which are connected to each other for communication, and includes a step in which the information terminal transmits a charge application message to the charge management server in response to an input operation, a step in which the charge management server issues a one-time password having an expiration date corresponding to the charge application message when the charge application message is received, a step in which the charge management server transmits a response message including the one-time password and transfer destination information indicating an account of a financial institution to the information terminal, a step in which the information terminal displays the one-time password and the transfer destination information included in the response message on a display means, a step in which the transfer device accepts transfer requester information and a transfer amount together with the one-time password and the transfer destination information displayed on the display means at a first input means in response to an input operation, a step in which the transfer device accepts a transfer deposit of the transfer amount at a second input means in response to an input operation, and a step in which the transfer device receives the transfer amount at the second input means. a step of transmitting a transfer operation completion message including the one-time password, the transfer destination information, the transfer requester information, and the transfer amount accepted by the first input means to the financial institution server after accepting the transfer deposit; a step of the financial institution server, upon accepting the transfer operation completion message, registering the deposit of the transfer amount to an account of the financial institution indicated by the transfer destination information in association with the transfer requester information; a step of the financial institution server transmitting a linked message including the one-time password, the transfer requester information, and the transfer amount to the charge management server after the deposit registration; a step of the charge management server determining whether the one-time password included in the linked message is within the expiration date and matches the one-time password corresponding to the charge application message from the information terminal;and updating the charge balance corresponding to the user indicated by the remittance requester information included in the linked message by increasing the remittance amount included in the linked message. Effect of the Invention

[0012] According to the deposit processing system and deposit processing method of the present invention, safety at the time of deposit can be ensured. [Brief description of the drawings]

[0013] [Figure 1] 1 is a block diagram illustrating a deposit processing system according to the present invention. [Figure 2A] 2 is a block diagram showing a configuration of an information terminal in the information processing system of FIG. 1. [Figure 2B] 2 is a block diagram showing the configuration of a transfer device in the information processing system of FIG. 1. [Figure 2C] 2 is a block diagram showing a configuration of a bank server in the information processing system of FIG. 1. [Figure 2D] 2 is a block diagram showing a configuration of a cashless application server in the information processing system of FIG. 1. [Figure 3A] 2 is a flowchart showing a deposit processing operation of the deposit processing system of FIG. 1. [Figure 3B] 3B is a flowchart showing a continuation of the deposit processing operation of FIG. 3A. [Figure 3C] 3C is a flow chart showing a branched continuation of the deposit processing operation of FIG. 3B. [Figure 3D] 3C is a flowchart showing another branched continuation of the deposit processing operation of FIG. 3B. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0014] Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

[0015] FIG. 1 is a block diagram illustrating an information processing system according to the present invention.

[0016] The deposit processing system includes an information terminal 11, a transfer device 21, a bank server 31, and a cashless application server 41. The transfer device 21 and the bank server 31 are systems (devices) of a financial institution.

[0017] Information terminal 11 is a general-purpose terminal in which a cashless app, which is a program, is installed and which executes the cashless app in response to user operations, and may be, for example, an all-in-one terminal such as a smartphone, tablet, etc. As described below, the cashless app is software that communicates between information terminal 11 and cashless app server 41, and puts funds deposited by the user of information terminal 11 through transfer from transfer device 21 into a state in which they can be used cashlessly, that is, into a so-called charged state.

[0018] The transfer device 21 is a device for inputting data for transfer to any bank account. The bank server 31 is a financial institution server in which the bank account and asset information of the information terminal 11 are registered, and is assumed to have a representative reception account for the cashless application.

[0019] The cashless application server 41 is a charge management server that cooperates with the bank server 31 via API (Application Programming Interface), and manages and controls the internal operation of the information terminal 11 when the cashless application is executed, and manages, for example, the charge balance that the user of the information terminal 11 can use cashlessly.

[0020] The information terminal 11, the transfer device 21, the bank server 31, and the cashless application server 41 can communicate with each other via a WAN (Wide Area Network) 50. Specifically, in this embodiment, the information terminal 11 is communicatively connected to the WAN 50 by a wireless line via a wireless base station 51, but it may also be communicatively connected to the WAN 50 by a wired line. The WAN 50 may be, for example, a private network or the Internet.

[0021] The transfer device 21 is connected to the terminal device 23 via a communication cable 22, the bank server 31 is connected to the terminal device 33 via a communication cable 32, and the cashless application server 41 is connected to the terminal device 43 via a communication cable 42. Each of the terminal devices 23, 33, and 43 is connected to a WAN 50.

[0022] Termination device 23 is a device that converts between the line signals of WAN 50 and the line signals of communication cable 22. Termination device 33 is a device that converts between the line signals of WAN 50 and the line signals of communication cable 32. Termination device 43 is a device that converts between the line signals of WAN 50 and the line signals of communication cable 42. Each of termination devices 23, 33, 43 is, for example, DCE (Data Circuit-Terminating Equipment) such as an optical line terminal. Each of communication cables 22, 32, 42 may be, for example, a line cable forming a LAN (Local Area Network).

[0023] As shown in FIG. 2A, the information terminal 11 includes a display unit 111 such as an LCD display, an input unit 112 such as a keyboard for a user to input characters, a control unit 113 for controlling the operation of the information terminal 11, a wireless communication unit 114 for wireless communication, and an imaging unit 115 such as a camera.

[0024] Control unit 113 is, for example, a microcomputer, has a memory (not shown) for storing the cashless app, and when an operation for starting the cashless app is performed on input unit 112, reads the cashless app from the memory and starts execution of the cashless app. Wireless communication unit 114 is connectable to WAN 50 via wireless base station 51. Wireless base station 51 is connected to WAN 50, and is capable of wireless communication with wireless communication unit 114 of information terminal 11 when information terminal 11 is present within a specific communication area.

[0025] As shown in FIG. 2B, the transfer device 21 comprises a display unit 211 (display means) such as an LCD display, an input unit 212 (first input means) for inputting characters etc., a control unit 213 for controlling the operation of the transfer device 21, a banknote deposit unit 214 for accepting inserted banknotes and a coin deposit unit 215 (second input means) for accepting inserted coins, a banknote storage unit 216 for storing banknotes inserted into the banknote deposit unit 214, and a coin storage unit 217 for storing coins inserted into the coin deposit unit 215.

[0026] The bill deposit unit 214 determines the denomination of the inserted bill and notifies the control unit 213 of the determined amount. Similarly, the coin deposit unit 215 determines the denomination of the inserted coin and notifies the control unit 213 of the determined amount.

[0027] As shown in FIG. 2C, the bank server 31 includes a DB (database) unit 311 that stores data such as accounts and balance information held at the bank on a per-user basis, an API integration unit 312 for performing API integration with the cashless app server 41, and a control unit 313 that controls the operation of the bank server 31.

[0028] The accounts stored in DB unit 311 include a representative reception account for the cashless application, and a deposit is considered to be completed when a deposit is registered in the representative reception account. In addition, the stored accounts in DB unit 311 may include a bank account of the user of information terminal 11.

[0029] The control unit 313 is connected to the DB unit 311 and the API linking unit 312, and has a communication function for communicating with devices such as the information terminal 11, the transfer device 21, and the cashless application server 41 connected to the WAN 50. The API linking unit 312 and the control unit 313 can be configured, for example, by a microcomputer.

[0030] As shown in FIG. 2D , the cashless application server 41 includes an AP (application) function unit 411 that manages and controls the functions and operation of the cashless application, a DB unit 412 that stores user information records on a per-user basis, an API integration unit 413 for performing API integration with the bank server 31, a control unit 414 that controls the operation of the cashless application server 41, and an image discrimination unit 415 that deciphers the transfer destination, transfer requester's name, transfer date and time, transfer amount, etc. from the image shown in the image data transmitted from the information terminal 11 by execution of the cashless application.

[0031] The control unit 414 has a communication function for communicating with devices such as the information terminal 11, the transfer device 21, and the bank server 31 connected to the WAN 50. The AP function unit 411, the API linking unit 413, the control unit 414, and the image discrimination unit 415 can be configured, for example, by a microcomputer.

[0032] DB unit 412 is made up of a storage device, and the user information record stored for each user includes data such as the name of the cashless application user (user name), charge balance, usage history, one-time password, one-time password issuance date and time, address of the terminal on which the cashless application runs, etc. After a deposit is registered to the representative reception account in DB unit 311 of bank server 31, the charge balance in DB unit 412 corresponding to the user who made the deposit is increased by the amount of the deposit through API integration.

[0033] Next, the deposit processing operation of the deposit processing system having such a configuration will be described with reference to Figures 3A to 3D. It is assumed that the user of information terminal 11 is registered with cashless application server 41, and that DB unit 412 stores a user information record assigned to the user.

[0034] When a user of information terminal 11 performs an operation to launch a cashless app installed in information terminal 11 using input unit 112, control unit 113 launches the cashless app (step S1). When the cashless app is launched, control unit 113 performs a control operation of information terminal 11 in accordance with the cashless app, and commands wireless communication unit 114 to transmit a charge application message A to cashless app server 41 (step S2). Step S2 corresponds to a terminal transmission means.

[0035] The charge application message A is a message for applying to deposit money into the representative reception account in the DB section 311 of the bank server 31 and to increase the charge balance in the user information record assigned to the user of the information terminal 11 in the DB section 412 of the cashless application server 41 by the amount of the deposit. The charge application message A includes user identification information such as the user name and record number that can identify one of the user information records stored in the DB section 412.

[0036] The charge application message A is transmitted from the wireless communication unit 114 to the cashless application server 41 via the wireless base station 51, the WAN 50, the terminal device 43, and the communication cable 42. When the control unit 414 of the cashless application server 41 receives the charge application message A, under the control of the control unit 414, the one user information record described above is identified, and the AP function unit 411 issues a one-time password, and also writes and registers the issued one-time password and the one-time password issuance date and time in the identified user information record in the DB unit 412 (step S3). Step S3 corresponds to the password issuing means and the writing means. The one-time password is made up of any character string, but in consideration of not overlapping with one-time passwords already registered in the DB unit 412, for example, it is made to be four half-width lowercase English characters + four half-width numbers (=2,998,219,536 ways).

[0037] In addition, the AP function unit 411 issues a response message B, and the control unit 414 returns the response message B to the information terminal 11 which is the sender of the charge application message A (step S4). Step S4 corresponds to a first transmission means. The response message B includes a message to the effect that the charge acceptance has been completed, as well as a one-time password, an expiration date, and a transfer destination. The one-time password is, for example, a character string. The expiration date is the time period during which the one-time password issued in response to the charge application message A is valid, for example, 30 minutes from the time the one-time password is issued. The transfer destination is a specific bank account, for example, a central reception account defined for the cashless app.

[0038] Response message B is transmitted from control unit 414 via communication cable 42 , termination device 43 , WAN 50 , and wireless base station 51 to information terminal 11 .

[0039] In information terminal 11, when wireless communication unit 114 receives response message B, response message B is supplied from wireless communication unit 114 to control unit 113. Control unit 113 causes display unit 211 to display a message indicating that charge acceptance has been completed, as well as the one-time password, expiration date, and transfer destination, which are included in the supplied response message B (step S5). By displaying the charge acceptance completion content on display unit 211 in this manner, the user of information terminal 11 is notified of the displayed content.

[0040] Thereafter, the user of information terminal 11 performs a transfer operation on input unit 212 of transfer device 21. The transfer operation is performed, for example, in accordance with the operation instructions displayed on display unit 211 under the control of control unit 213. Input unit 212 accepts the input contents of the transfer operation (step S6). In the transfer operation, in addition to the transfer destination included in response message B, the charge amount and the name of the person requesting the transfer are input. The input contents of the transfer operation are supplied from input unit 212 to control unit 213. The one-time password included in response message B is added to the name of the person requesting the transfer. By performing the transfer operation in this manner, the transfer destination, charge amount and the name of the person requesting the transfer (including the one-time password) are supplied from input unit 212 to control unit 213.

[0041] The control unit 213 causes the display unit 211 to display the input contents each time the transfer destination, charge amount, and transfer requester name are input. After these inputs are completed, the control unit 213 causes the display unit 211 to display an instruction to insert the charge amount (step S7). This causes the user to insert bills and coins equivalent to the charge amount into the bill deposit unit 214 and the coin deposit unit 215. Of course, depending on the charge amount, at least one of the bills and coins may be inserted. The control unit 213 determines the total amount inserted based on the bill amounts and coin amounts notified by the bill deposit unit 214 and the coin deposit unit 215, and causes the display unit 211 to display the determined total amount (step S8).

[0042] When the user knows that the insertion of the bills and coins for the charge amount has been completed based on the total amount of the insertion amount displayed on the display unit 211, the user performs a cash insertion completion operation on the input unit 212. The cash insertion completion operation causes the input unit 212 to supply a notice indicating the completion of the cash insertion to the control unit 213. In response to the notice indicating the completion of the cash insertion, the control unit 213 stores the inserted bills and coins in the bill deposit unit 214 and the coin deposit unit 215 in the bill storage unit 216 and the coin storage unit 217, and transmits a transfer completion message C including transfer information such as the name of the person requesting the transfer (including the one-time password), the transfer date and time, the transfer source information, and the transfer amount to the bank server 31 (step S9). Step S9 corresponds to a transfer transmission means. The transfer completion message C is transmitted from the control unit 213 to the bank server 31 via the communication cable 22, the terminal device 23, the WAN 50, the terminal device 33, and the communication cable 32.

[0043] The transfer of the transfer amount is not limited to a cash transfer in which cash is directly inserted into the banknote deposit section 214 and the coin deposit section 215 of the transfer device 21 as described above, but may also be an account transfer in which the user's bank account is used as the transfer source and the deposit amount in the bank account is used to indirectly transfer the amount, or a transfer using a credit card number.

[0044] In the bank server 31, when the control unit 313 receives the transfer operation completion message C, the control unit 313 updates the stored data for the representative acceptance account for the cashless application in the DB unit 311 based on the transfer information included in the transfer operation completion message C (step S10). Step S10 corresponds to a registration means. For example, in the DB unit 311, the stored data of the balance information corresponding to the transfer requester's name, which is the user unit of the representative acceptance account, is updated by increasing the amount of the transfer. That is, in step S10, the deposit registration of the transfer amount to the representative acceptance account is performed in association with the transfer requester information.

[0045] The control unit 313 causes the API linking unit 312 to perform API linking operation (step S11). Step S11 corresponds to a second transmission means. In step S11, the API linking unit 312 creates an API linking message D to perform API linking with the cashless application server 41, and the control unit 313 transmits the API linking message D to the cashless application server 41. The API linking message D includes the name of the person requesting the transfer (including a one-time password), the transfer date and time, the transfer source information, and the transfer amount based on the transfer information included in the transfer completion message C. The transfer source information includes the branch number and account number of the account in the case of an account transfer, and includes the branch number and machine number of the transfer device 21 in the case of a cash transfer. The API linking message D is transmitted from the control unit 313 to the cashless application server 41 via the communication cable 32, the terminal device 33, the WAN 50, the terminal device 43, and the communication cable 42.

[0046] When the control unit 414 of the cashless application server 41 receives the API interaction message D, it supplies the API interaction message D to the API interaction unit 413 (step S12). The API interaction unit 413 determines whether or not the supplied API interaction message D includes a one-time password (step S13). If it is determined in step S13 that the API interaction message D includes a one-time password, the API interaction unit 413 acquires the transfer date and time from the API interaction message D, and selects a user information record for a one-time password issued within the past 30 minutes from the transfer date and time from among the user information records stored in the DB unit 412 (step S14). If multiple one-time passwords have been issued within the past 30 minutes, multiple user information records are selected in step S14. The API interaction unit 413 reads data of the selected user information record. The API interaction unit 413 determines whether or not the selected user information record includes a record including a one-time password that matches the one-time password included in the API interaction message D (step S15). Steps S14 and S15 correspond to the first determination means.

[0047] If a matching one-time password is identified in step S15, API linking unit 413 determines whether the user information record with the matching one-time password contains a user name that matches the remittance requester name included in API linking message D (step S16). If a match between the remittance requester name and the user name is identified in step S16, API linking unit 413 performs a data update in DB unit 412 to increase the charge balance of the user information record with the match by the transfer amount (step S17). Step S17 corresponds to the update means and the deletion means. In step S17, the one-time password and the issuance date and time of the one-time password are deleted. Furthermore, by updating the data on the charge balance in step S17, the charge is completed, and the funds transferred by the user of information terminal 11 become available for cashless use.

[0048] Therefore, after executing step S17, the AP function unit 411 issues a charge completion message E, and the control unit 414 sends the charge completion message E to the information terminal 11 (step S18). The charge completion message E includes a message indicating that the charge is complete, and may also include the charge balance. The destination address of the charge completion message E can be the address of the terminal included in the user information record in which the name match has been determined.

[0049] The charge completion message E is transmitted from the control unit 414 via the communication cable 42 , the termination device 43 , the WAN 50 , and the wireless base station 51 to the information terminal 11 .

[0050] In information terminal 11, when wireless communication unit 114 receives charge completion message E, charge completion message E is supplied from wireless communication unit 114 to control unit 113. Control unit 113 causes display unit 211 to display a message indicating charge completion contained in the supplied charge completion message E (step S19). By displaying the charge completion content on display unit 211 in this manner, the user of information terminal 11 can confirm that charging has been completed. Furthermore, as described above, if charge completion message E contains a charge balance, the charge balance (available balance) in internal memory (not shown) in information terminal 11 may be updated, and the charge balance may be made available for cashless use like electronic money.

[0051] If the API interaction unit 413 confirms in step S13 that the API interaction message D does not contain a one-time password, it selects from the DB unit 412 a user information record in which a one-time password within its validity period is registered (step S20). A one-time password within its validity period is a one-time password that has not yet reached its validity period. In step S20, the data of the selected user information record is read out. Then, the API interaction unit 413 determines whether or not the selected user information records include a user information record that includes a user name that matches the remittance requester name included in the API interaction message D (step S21).

[0052] In step S21, if a user information record containing a matching user name exists, the AP function unit 411 issues a transfer certification request telegram F containing a message of a transfer certification request, and the control unit 414 sends the transfer certification request telegram F (step S22). The transfer certification request telegram F's message may be, for example, "The user who made the transfer should upload documents proving that the transfer was made." The destination of the transfer certification request telegram F is the terminal address contained in the user information record containing the matching user name. If there are multiple user information records containing a matching user name, the terminal addresses contained in all of those user information records are used as the destination of the transfer certification request telegram F.

[0053] Here, it is assumed that the transfer proof request message F is transmitted from the control unit 414 via the communication cable 42, the termination device 43, the WAN 50, and the wireless base station 51 to the information terminal 11.

[0054] In the information terminal 11, when the wireless communication unit 114 receives the transfer certification request message F, the transfer certification request message F is supplied from the wireless communication unit 114 to the control unit 113. The control unit 113 causes the display unit 211 to display a message indicating a transfer certification request contained in the supplied transfer certification request message F (step S23). When the transfer certification request content is displayed on the display unit 211 in this way, if the user of the information terminal 11 is the person who made the transfer, the user operates the photographing unit 115 to photograph, as proof of the transfer, the contents of the transfer slip output from the transfer device 21 at the time of the transfer, for example. At least the name, the transfer amount, and the transfer date and time are printed on the transfer slip. The control unit 414 receives the photographed image from the photographing unit 115 as image data, and uploads the image data to the cashless application server 41 (step S24). The image data is transmitted from wireless communication unit 114 to a predetermined address of cashless application server 41 via wireless base station 51, WAN 50, terminating device 43, and communication cable 42. It is assumed that the predetermined address of cashless application server 41 to which the image data is to be uploaded is specified in transfer proof request message F.

[0055] When the control unit 414 of the cashless application server 41 receives the uploaded image data, it supplies the image data to the image discrimination unit 415, which discriminates the contents of the image data (step S25). The image discrimination unit 415 discriminates the contents of the image data, such as the name, transfer amount, and transfer date and time. The AP function unit 411 discriminates whether or not the discrimination result by the image discrimination unit 415 matches the data of the user information record stored in the DB unit 412 (step S26). For example, it is determined whether or not the transfer amount and transfer date and time in the usage history of the user information record identified by the name shown in the image data match the transfer amount and transfer date and time shown in the image data.

[0056] If the result of the discrimination by the image discrimination unit 415 matches the data of the user information record stored in the DB unit 412, the AP function unit 411 determines that the user is the user of the cashless app who made the transfer, even if the API interaction message D does not contain a one-time password, and executes step S17 to update the data in the DB unit 412 to increase the charge balance of the user information record where a match was determined by the amount of the transfer, and executes step S18 to issue a charge completion message E, and the control unit 414 sends the charge completion message E to the information terminal 11.

[0057] Furthermore, if the API cooperation unit 413 determines in step S21 that there is no user information record containing a matching user name, the API cooperation unit 413 selects a user information record containing an expired one-time password from among the user information records stored in the DB unit 412, the AP function unit 411 creates a manned response contact message G containing a message requesting contact with a manned support center, and the control unit 414 sends the manned response contact message G (step S27). The destination of the manned response contact message G is the terminal address contained in the user information record containing the expired one-time password.

[0058] Here, it is assumed that the manned response notification message G is transmitted from the control unit 414 via the communication cable 42, the termination device 43, the WAN 50, and the wireless base station 51 to the information terminal 11.

[0059] In the information terminal 11, when the wireless communication unit 114 receives the manned response contact message G, the manned response contact message G is supplied from the wireless communication unit 114 to the control unit 113. The control unit 113 causes the display unit 211 to display a message included in the supplied manned response contact message G, requesting contact with a manned support center (step S28). By displaying the manned response contact content on the display unit 211 in this manner, it is possible to guide the user of the information terminal 11 to contact the support center, for example, by telephone.

[0060] If the discrimination result by the image discrimination unit 415 in step S26 does not match the data of the user information record stored in the DB unit 412, the AP function unit 411 creates a manned response contact message H including a message requesting contact with a manned support center, and the control unit 414 sends the manned response contact message H (step S29).

[0061] Here, it is assumed that the manned response contact message H is transmitted from the control unit 414 to the information terminal 11 via the communication cable 42, the termination device 43, the WAN 50, and the wireless base station 51. That is, in step S29, the manned response contact message H is sent to the information terminal 11, which is the terminal that uploaded the image data showing contents that do not match the data in the user information record.

[0062] In the information terminal 11, when the wireless communication unit 114 receives the manned response contact message H, the manned response contact message H is supplied from the wireless communication unit 114 to the control unit 113. The control unit 113 causes the display unit 211 to display a message included in the supplied manned response contact message H, requesting contact with a manned support center (step S30). As in the case of step S28, the manned response contact content is displayed on the display unit 211, so that the user of the information terminal 11 can be guided to contact the support center, for example, by telephone.

[0063] When the API linking unit 413 determines in step S15 that there is no user information record including a one-time password that matches the one-time password included in the API linking message D, the API linking unit 413 determines whether or not there is a one-time password in the user information record selected in step S14 whose matching rate with the one-time password included in the API linking message D is equal to or greater than a predetermined value (step S31). If there is no one-time password in the selected user information record whose matching rate with the one-time password in the API linking message D is equal to or greater than a predetermined value, the API linking unit 413 executes step S21 described above. In step S21, which is executed as a result of the determination in step S31, it is determined whether or not there is a user information record in the user information record selected in step S14 that includes a user name that matches the remittance requester name included in the API linking message D. The operations of the steps after step S21 are as described above, and therefore further description here is omitted.

[0064] If the API interaction unit 413 determines as a result of the judgment in step S31 that there is a one-time password in the selected user information record whose matching rate with the one-time password in the API interaction message D is equal to or greater than a predetermined value, the AP function unit 411 executes step S32.

[0065] Step S32 is also executed if API interaction unit 413 determines in step S16 that there is a mismatch between the remittance requester name and the user name. As described above, step S16 is a step for determining whether or not there is a user name that matches the remittance requester name included in API interaction message D among the user information records stored in DB unit 412 and for which the one-time password matches.

[0066] In step S 32 , the AP function unit 411 creates a re-entry request message I including a message requesting re-entry of the one-time password, and the control unit 414 transmits the re-entry request message I to the information terminal 11 .

[0067] The re-input request message I is transmitted from the control unit 414 via the communication cable 42 , the terminating device 43 , the WAN 50 , and the wireless base station 51 to the information terminal 11 .

[0068] In information terminal 11, when wireless communication unit 114 receives re-input request message I, re-input request message I is supplied from wireless communication unit 114 to control unit 113. Control unit 113 causes display unit 111 to display a message requesting re-input of the one-time password contained in the supplied re-input request message I (step S33). By displaying the one-time password re-input request on display unit 111 in this manner, the user of information terminal 11 is notified of the displayed content.

[0069] Therefore, the user of information terminal 11 operates input unit 112 of information terminal 11 to re-enter the one-time password. Input unit 112 accepts the one-time password re-entered by the user operation (step S34). Control unit 113 instructs wireless communication unit 114 to transmit a re-entry response message J including the one-time password (step S35).

[0070] The re-entered response message J is transmitted from the wireless communication unit 114 to the cashless application server 41 via the wireless base station 51, the WAN 50, the termination device 43, and the communication cable 42. When the control unit 414 of the cashless application server 41 receives the re-entered response message J, it supplies the re-entered response message J to the AP function unit 411 (step S36).

[0071] The AP function unit 411 determines whether the re-entered one-time password included in the received re-enter response message J matches the one-time password included in the user information record selected in step S14 (step S37).

[0072] If it is determined in step S37 that the one-time passwords match, the API integration unit 413 executes steps S17 to S19 described above, and data is updated in the DB unit 412 so that the charge balance of the user information record for which a match has been determined is increased by the transfer amount, thereby completing the charge.

[0073] If it is determined in step S37 that the one-time passwords do not match, the AP function unit 411 determines whether the number of input errors (mismatch) of the one-time password exceeds a prescribed number (step S38). If the determination result in step S38 is that the number of input errors of the one-time password is within the prescribed number, the above-mentioned steps S32 to S37 are executed again.

[0074] If the result of determination in step S38 is that the number of times the one-time password has been entered incorrectly exceeds a specified number, the API interoperability unit 413 performs a data update on the DB unit 412 to delete the one-time password and the one-time password issuance date and time from the user information record assigned to the user of the information terminal 11 (step S39).

[0075] After executing step S39, the API linking unit 413 determines whether the transfer source is a bank account (step S40). That is, in step S40, it is determined from the transfer source information included in the API linking message D whether the transfer (account transfer) was made from the deposit of the bank account assigned to the user of the information terminal 11. If the transfer source this time is a bank account, the API linking unit 413 issues a return API message K indicating that the transfer amount of the user of the information terminal 11 is to be returned to the bank account, and the control unit 414 transmits the return API message K to the bank server 31 (step S41). The return API message K can include transfer information such as the transfer date and time, transfer source information, and transfer amount of the API linking message D transmitted from the bank server 31 in step S11. Also, if the transfer source this time is a bank account, a message of a return message may be transmitted to the information terminal 11.

[0076] If the source of the transfer this time is not a bank account but, for example, a cash transfer from a transfer device 21, steps S29 and S30 are executed so that the user contacts a manned support center.

[0077] The reassembly API message K sent in step S41 is transmitted from the control unit 414 via the communication cable 42, the terminating device 43, the WAN 50, the terminating device 33, and then the communication cable 32 to the bank server 31. When the control unit 313 of the bank server 31 receives the reassembly API message K, it supplies the reassembly API message K to the API linking unit 312 (step S42). In response to the supplied reassembly API message K, the API linking unit 312 executes a reassembly in the user's bank account (step S43). This reassembly returns the transfer amount to the user's bank account of the information terminal 11. Once the reassembly has been executed, a message indicating completion of the reassembly may be sent to the information terminal 11 via the cashless application server 41.

[0078] As described above, in the deposit processing system of the embodiment, cashless application server 41 issues a one-time password in response to recharge application message A from information terminal 11, and sends back response message B including the one-time password and the transfer destination to information terminal 11. Meanwhile, when the registration of the deposit to the representative reception account for the cashless application of bank server 31, which is the transfer destination, is confirmed, bank server 31 sends API interaction message D to cashless application server 41, and cashless application server 41 performs data update to increase the recharge balance of the user information record corresponding to the user of information terminal 11 by the transfer amount based on the contents of the one-time password, etc. included in API interaction message D. Thus, recharge can be completed in cashless application server 41 without the user of information terminal 11 providing financial institution information, such as the user's bank account or credit card number information, to cashless application server 41.

[0079] Furthermore, in the deposit processing system of the embodiment, if a one-time password is entered incorrectly during input operation at the time of transfer on the transfer device 21, and the match rate between the incorrectly entered one-time password and the one-time password issued in response to the charge application message A is equal to or greater than a predetermined value, a one-time password re-entry request message I is sent from the cashless application server 41 to the information terminal 11, and if the re-entered one-time password sent from the information terminal 11 to the cashless application server 41 in response to the re-entry request message I matches the one-time password issued in response to the charge application message A, a data update is performed to increase the charge balance in the user information record corresponding to the user of the information terminal 11 by the transfer amount, so that the user's transfer operation on the transfer device 21 is not wasted and the incorrect input of the one-time password at the time of transfer is remedied.

[0080] In addition, if the one-time password is entered incorrectly during the input operation at the time of transfer on the transfer device 21, and the match rate between the incorrectly entered one-time password and the one-time password issued in response to the charge application message A is less than a predetermined value, or if the API integration message D does not contain a one-time password, a transfer proof request message F is sent from the cashless application server 41 to the information terminal 11.In response, if the transfer is proven based on the contents of the transfer details slip indicated by the image data uploaded to the cashless application server 41, a data update is performed to increase the charge balance in the user information record corresponding to the user of the information terminal 11 by the transfer amount.Similarly, the user's transfer operation on the transfer device 21 is not wasted, and the incorrect input of the one-time password during the transfer is remedied.

[0081] Furthermore, in the deposit processing system of the embodiment, if the number of one-time password mismatches exceeds a prescribed number due to incorrect input of the one-time password, if the transfer amount is a direct deposit from a bank account, a request is made to the financial institution server to return the transfer amount to the bank account, while if the transfer amount is not a direct deposit from a bank account, a response is taken to have the user contact a manned support center. Thus, incorrect input of the one-time password during transfer can be appropriately remedied. [Explanation of symbols]

[0082] 11 Information terminal 21 Transfer device 22, 32, 42 Communication cable 23, 33, 43 Termination device 31 Bank Server 41 Cashless Application Server 50 WAN 51 Radio base station 111, 211 Display section 112, 212 Input section 113, 213, 313, 414 Control section 114 Wireless Communication Department 214 Banknote deposit section 215 Coin Deposit Section 216 Banknote storage section 217 Coin Storage Unit 311, 412 DB section 312, 413 API Collaboration Department 411 AP Function Section 415 Image discrimination unit

Claims

1. A deposit processing system comprising a charge management server and a financial institution server connected to each other for communication, said charge management server includes a password issuing means for issuing a one-time password having an expiration date in response to a charge application message received from an information terminal; a first transmission means for transmitting a response message including the one-time password and transfer destination information indicating an account of a financial institution to the information terminal, a registration means for registering, when the financial institution server receives a transfer operation completion message including the one-time password, the transfer destination information, the transfer requester information, and the transfer amount, a deposit of the transfer amount to an account of the financial institution indicated by the transfer destination information in association with the transfer requester information; a second transmission means for transmitting a linked message including the one-time password, the remittance requester information, and the transfer amount included in the transfer operation completion message to the charge management server after the deposit registration, the charge management server includes a first determination means for determining whether the one-time password included in the linked message is within the validity period and coincides with the one-time password corresponding to the charge application message from the information terminal; A deposit processing system further comprising an update means for updating the charge balance corresponding to the user indicated by the transfer requester information included in the linked message by increasing the transfer amount included in the linked message when the one-time password included in the linked message is within the expiration date and matches the one-time password corresponding to the charge application message from the information terminal.

2. 2. The deposit processing system according to claim 1, wherein said charge management server further comprises a third transmission means for transmitting a charge completion message to said information terminal after said update means has increased said charge balance.

3. the charge management server includes a second determination means for determining whether a matching rate between the one-time password included in the linked message and the one-time password corresponding to the charge application message from the information terminal is equal to or greater than a predetermined value when the first determination means determines that the one-time password included in the linked message does not match the one-time password corresponding to the charge application message from the information terminal; a fourth transmission means for transmitting a message requesting re-entry of the one-time password to the information terminal when the matching rate is equal to or greater than the predetermined value; and a third determination means for determining whether or not a re-entered one-time password included in a re-entry response message from the information terminal coincides with the one-time password corresponding to the charge application message from the information terminal, The deposit processing system of claim 1 or 2, characterized in that the update means, when the re-entered one-time password included in the re-enter response message matches the one-time password corresponding to the charge application message from the information terminal, increases the charge balance corresponding to the user indicated by the transfer requester information included in the linked message by the transfer amount included in the linked message.

4. a fourth determination means for determining whether or not the number of times the one-time passwords do not match exceeds a specified number when the re-entered one-time password included in the re-entry response message does not match the one-time password corresponding to the re-entry application message from the information terminal; a fifth determination means for determining whether the transfer amount is a transfer from a bank account when the fourth determination means determines that the number of times the one-time passwords do not match exceeds a prescribed number; a fifth transmitting means for transmitting a return request message to the financial institution server to request that the transfer amount be returned to the bank account if the transfer of the transfer amount is a direct transfer from the bank account; The deposit processing system as described in claim 3, further comprising a sixth sending means for sending a manned support contact message to the information terminal instructing the user to contact a manned support center if the transfer deposit of the transfer amount is not an account transfer from the bank account.

5. A deposit processing system as described in claim 4, characterized in that when the fourth determination means determines that the number of mismatches of the one-time password does not exceed a specified number, the fourth transmission means retransmits the re-input request message to the information terminal.

6. The registration means includes a user information record in which a user name and the charge balance are stored for each user, a write means for storing the one-time password and the issuance date and time in the user information record corresponding to the user of the information terminal when the one-time password is issued by the password issuing means; The deposit processing system of claim 3, further comprising a deletion means for deleting the one-time password and the issue date and time from the user information record corresponding to the user indicated by the transfer requester information when the one-time password included in the linked message is within the expiration date and matches the one-time password corresponding to the charge application message from the information terminal.

7. an eighth transmission means for transmitting a transfer proof request message to the information terminal when the second determination means determines that the matching rate is less than the predetermined value; and and an image discrimination means for discriminating contents indicated by the image data when the image data indicating the proof material is read from the information terminal, The deposit processing system described in claim 6, characterized in that when the result of the discrimination by the image discrimination means matches the stored contents of the user information record corresponding to the user of the information terminal, the update means increases the charge balance of the user information record corresponding to the user indicated by the transfer requester information included in the linked message by the transfer amount included in the linked message, and the deletion means deletes the one-time password and the issue date and time from the user information record corresponding to the user indicated by the transfer requester information.

8. The deposit processing system according to claim 7, wherein the charge management server and the financial institution server are linked via an API.

9. A deposit processing method for a deposit processing system including a charge management server and a financial institution server connected to each other for communication, a step of the charge management server, when receiving a charge application message from an information terminal, issuing a one-time password having an expiration date corresponding to the charge application message; a step of the charge management server transmitting a response message including the one-time password and transfer destination information indicating an account of a financial institution to the information terminal; when the financial institution server receives a transfer operation completion message including the one-time password, the transfer destination information, the transfer requester information, and the transfer amount, registering the transfer amount in an account of the financial institution indicated by the transfer destination information in association with the transfer requester information; the financial institution server transmits, after the deposit registration, a link message including the one-time password, the remittance requester information, and the transfer amount included in the transfer operation completion message to the charge management server; a step of the charge management server determining whether or not the one-time password included in the linked message is within the validity period and coincides with the one-time password corresponding to the charge application message from the information terminal; A deposit processing method characterized by including a step in which the charge management server increases and updates the charge balance corresponding to the user indicated by the transfer requester information included in the linked message by the transfer amount included in the linked message when the one-time password included in the linked message is within the expiration date and matches the one-time password corresponding to the charge application message from the information terminal.

10. A deposit processing system including an information terminal, a charge management server, a transfer device, and a financial institution server, which are connected to each other for communication, the information terminal has a terminal transmission means for transmitting a charge application message to the charge management server in response to an input operation; the charge management server includes a password issuing means for issuing a one-time password having an expiration date corresponding to the charge application message when the charge application message is received; a first transmission means for transmitting a response message including the one-time password and transfer destination information indicating an account of a financial institution to the information terminal, the information terminal further comprises a display means for displaying the one-time password and the transfer destination information included in the response message; the transfer device includes a first input means for receiving, in response to an input operation, the one-time password and the transfer destination information displayed on the display means, as well as the transfer requester information and the transfer amount; A second input means for accepting the transfer of the transfer amount in response to an input operation; a transfer sending means for sending a transfer operation completion message including the one-time password, the transfer destination information, the transfer requester information, and the transfer amount accepted by the first input means to the financial institution server after the second input means accepts the transfer of the transfer amount, a registration means for registering the transfer amount to be transferred to the account of the financial institution indicated by the transfer destination information in association with the transfer requester information when the financial institution server receives the transfer operation completion message; a second transmission means for transmitting a linked message including the one-time password, the remittance requester information, and the transfer amount included in the transfer operation completion message to the charge management server after the deposit registration, the charge management server includes a first determination means for determining whether the one-time password included in the linked message is within the validity period and coincides with the one-time password corresponding to the charge application message from the information terminal; A deposit processing system further comprising an update means for updating the charge balance corresponding to the user indicated by the transfer requester information included in the linked message by increasing the transfer amount included in the linked message when the one-time password included in the linked message is within the expiration date and matches the one-time password corresponding to the charge application message from the information terminal.

11. A deposit processing method for a deposit processing system including an information terminal, a charge management server, a transfer device, and a financial institution server, which are connected to each other for communication, comprising: a step of transmitting a charge application message to the charge management server by the information terminal in response to an input operation; a step of the charge management server, when receiving the charge application message, issuing a one-time password having an expiration date corresponding to the charge application message; a step of the charge management server transmitting a response message including the one-time password and transfer destination information indicating an account of a financial institution to the information terminal; a step of the information terminal displaying the one-time password and the transfer destination information included in the response message on a display means; a step of said transfer device receiving, via a first input means in response to an input operation, said one-time password and said transfer destination information displayed on said display means, as well as transfer requester information and a transfer amount; a step of the transfer device accepting the transfer amount via a second input means in response to an input operation; a step in which the transfer device, after accepting the transfer deposit of the transfer amount at the second input means, transmits a transfer operation completion message including the one-time password accepted by the first input means, the transfer destination information, the transfer requester information, and the transfer amount to the financial institution server; a step in which, when the financial institution server receives the transfer operation completion message, the financial institution server registers the transfer amount in the account of the financial institution indicated by the transfer destination information in association with the transfer requester information; the financial institution server transmits, after the deposit registration, a link message including the one-time password, the remittance requester information, and the transfer amount included in the transfer operation completion message to the charge management server; a step of the charge management server determining whether or not the one-time password included in the linked message is within the validity period and coincides with the one-time password corresponding to the charge application message from the information terminal; A deposit processing method characterized by including a step in which the charge management server increases and updates the charge balance corresponding to the user indicated by the transfer requester information included in the linked message by the transfer amount included in the linked message when the one-time password included in the linked message is within the expiration date and matches the one-time password corresponding to the charge application message from the information terminal.

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