Financial products and services provision systems and computer programs

Abstract

To provide a financial instrument and service provision system that provides a financial instrument or the like of a financial institution to a user who opens an account at a regional bank or the like that does not handle the financial instrument or the like.SOLUTION: A system that provides a financial instrument or the like handled by a financial institution to a user who opens an account at an affiliated financial institution that affiliates the financial institution via a system of the affiliated financial institution includes means of displaying a UI that can select a financial instrument or the like handled by an available financial institution, on a user terminal in which application software related to the system of the affiliated financial institution has been executed, means of making a transition of a display screen of the user terminal to a website related to the financial instrument or the like selected through the UI, and means of performing transfer processing of funds related to a use of the financial instrument or the like in the website between a first account which is an account of the user at the affiliated financial institution and a second account which is an account of the user at the financial institution.SELECTED DRAWING: Figure 10

Description

[Technical field]

[0001] The present invention relates to a system and a computer program for providing financial products and services handled by financial institutions. [Background technology]

[0002] Various systems that use the Internet to provide financial products and services handled by financial institutions on the Web, and application software related to financial institution services have been proposed. Patent Document 1 proposes a financial institution system in which a corporation selects multiple functions held by a financial institution, and end users can use the selected functions of the financial institution through the corporation's website. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent No. 6482617 Summary of the Invention [Problem to be solved by the invention]

[0004] In addition to the financial institution systems described above, there is a demand for a system that seamlessly connects systems related to financial products and services of regional banks, etc. with systems related to financial products and services of financial institutions other than regional banks, etc., thereby providing financial products and services of financial institutions other than regional banks, etc. to users who have opened accounts at regional banks, etc. through the systems related to financial products and services of regional banks, etc.

[0005] The object of this invention is to provide financial products and services of a financial institution to users who have accounts at financial institutions, such as regional banks, that do not offer those financial products and services. [Means for solving the problem]

[0006] [1] A financial product and service providing system that provides financial products and services handled by a financial institution to a user who has an account with the affiliated financial institution through an affiliated financial institution system that is constructed on a communication network by an affiliated financial institution that is affiliated with the financial institution, A UI (User Interface) display control means for displaying a user interface that allows the user to select available financial products and services handled by the financial institution on a user terminal used by the user who has accessed a Web server constituting the affiliated financial institution system or on a user terminal on which application software related to the affiliated financial institution system is executed; A display screen transition control means for transitioning a display screen of the user terminal to a website related to the financial product / service selected through the user interface; a funds transfer means for transferring funds related to the use of the financial products and services on the website between a first account at the affiliated financial institution and a second account at the financial institution; The first account is composed of an affiliated financial institution user name account and an affiliated financial institution fund settlement account, The second account is composed of a user account in a financial institution, an account in the name of an affiliated financial institution, and a financial institution fund settlement account, The user account in the financial institution is used only for the transfer of funds related to the use of the financial products and services on the website between the financial institution and the affiliated financial institution, and is an account that has characteristics of not being a real account; The funds transfer means transfers funds from the affiliated financial institution user account to the affiliated financial institution funds settlement account in the first account based on a first API request. Payment by using the financial products and services The second account transfers funds from the affiliated financial institution account to the financial institution user account via the financial institution fund settlement account. payment Transfer funds, Debiting the payment funds from the user's account in the financial institution; The funds transfer means transfers the funds to the second account via the financial institution funds settlement account based on the second API request. The refund funds from the use of said financial products and services have been deposited. From the user account in the financial institution to the account in the name of the affiliated financial institution RefundTransfer funds and transfer the funds from the affiliated financial institution fund settlement account to the affiliated financial institution user account in the first account. Refund Transfer funds A financial product and service provision system comprising: Effect of the Invention

[0007] According to this invention, financial products and services of a financial institution can be provided to a user who has an account with a financial institution, such as a regional bank, that does not handle the financial products and services in question. [Brief description of the drawings]

[0008] [Figure 1] 1 is a diagram illustrating an example of the configuration of a financial product / service provision system according to an embodiment of the present invention. [Diagram 2] 1 is a diagram showing an example of the configuration of an affiliated financial institution system provided in the financial product and service provision system of this embodiment. FIG. [Diagram 3] 1 is a diagram showing an example of the configuration of a financial institution system provided in the financial product and service provision system of this embodiment. FIG. [Figure 4] 1 is a diagram showing an example of the configuration of an electronic payment system provided in the financial product / service provision system of this embodiment. FIG. [Diagram 5] A figure showing an example of a screen transition of a user terminal in the financial product / service provision system of this embodiment. [Figure 6] 6 is a flow chart showing an example of processing of the financial product / service provision system of this embodiment in the screen transition S4 of the user terminal shown in FIG. 5. [Figure 7] FIG. 6 is a flow diagram showing an example of the processing of the financial product / service provision system of this embodiment during the screen transition from S5 to S7 of the user terminal shown in FIG. 5. [Figure 8] FIG. 7 is a flow chart showing another example of the processing of the financial product / service provision system of this embodiment during the screen transition from S5 to S7 of the user terminal shown in FIG. 5. [Figure 9]A flow chart showing another example of the processing of the financial product / service provision system of this embodiment. [Figure 10] 1 is a diagram showing an example of a funds transfer process in the financial product / service provision system of this embodiment. FIG. [Figure 11] A figure showing another example of a funds transfer process in the financial product and service provision system of this embodiment. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0009] An example of an embodiment of the present invention will be described below with reference to the attached drawings. The financial product / service provision system 1 of this embodiment is composed of one or more computers, and is used when providing financial products / services handled by a financial institution to customers who have opened accounts at the affiliated financial institutions through affiliated financial institutions that are affiliated with the financial institution.

[0010] In one embodiment, this is a financial product and service provision system that provides financial products and services handled by financial institutions such as city banks and so-called online banks that conduct banking services over the Internet (hereinafter, these entities may be referred to as "first financial institutions") to depositors (hereinafter, these entities may be referred to as "users") who have opened accounts at second financial institutions through financial institutions that operate as bank agents with the first financial institution as their affiliated bank, or affiliated financial institutions such as regional banks that have a business partnership with the first financial institution (hereinafter, these entities may be referred to as "second financial institutions").

[0011] Such a financial product / service provision system 1 is a system provided and managed by a first financial institution that provides financial products / services to the user in cooperation with a second financial institution, using one or more computers.

[0012] As one embodiment, a financial product and service provision system 1 can be constructed in such a manner that an API (Application Programming Interface) is utilized between a financial institution system constructed on a communications network by a first financial institution and an affiliated financial institution system constructed on a communications network by a second financial institution, and financial products and services handled by the first financial institution are provided to a user terminal used by a user via the affiliated financial institution system.

[0013] In the form shown in Figure 1, the financial product and service provision system 1 is constructed by connecting a user terminal 2 used by a user, a financial institution system 4 managed by a first financial institution, an affiliated financial institution system 3 managed by a second financial institution, and an electronic payment system 5 managed by a person who relays information communication between the financial institution system 4 and the affiliated financial institution system 3 so that they can communicate with each other via a communication network 6 including an Internet communication network and a wireless communication network defined by wireless communication standards.

[0014] This embodiment includes a computer program for causing a computer to function as the financial product / service provision system 1 described in this embodiment.

[0015] [User device] The user terminal 2 is a terminal used by a depositor who has opened an account at the second financial institution, and is a terminal such as a personal computer, a smartphone, or a tablet. Although not shown, the user terminal 2 is equipped with an arithmetic processing unit configured with a CPU or the like for processing and calculating various data, a main memory unit for storing various data such as a main memory, an auxiliary memory device such as an internal storage, an information output unit such as a liquid crystal display, an information input unit such as a touch panel, a communication unit for transmitting and receiving various information to and from each of the affiliated financial institution system 3 and the financial institution system 4, and a web browser for accessing the affiliated financial institution system 3 and the financial institution system 4 to use the services provided by the financial product and service provision system of this embodiment. In addition, application software capable of executing various functions provided by the affiliated financial institution system 3 is installed in the user terminal 2, and information processing by the financial product and service provision system 1 of this embodiment is performed by starting this application software.

[0016] [Partner financial institution system] The affiliated financial institution system 3 is a system constructed by the second financial institution using one or more computers (terminals such as personal computers, smartphones, tablets, etc.) and servers. In the form shown in Figure 2, the affiliated financial institution system 3 includes an affiliated financial institution Web system 7, an affiliated financial institution database (hereinafter, in this specification and drawings, database is referred to as "DB") 8, and an affiliated financial institution accounting system 9.

[0017] Although not shown, the computer or server constituting the affiliated financial institution system 3 includes a calculation processing unit constituted by a CPU or the like for processing and calculating various data, a main memory unit for storing various data such as a main memory, an auxiliary memory device such as an internal storage, an information output unit such as a liquid crystal display, an information input unit such as a touch panel, and a communication unit for transmitting and receiving various information to and from each of the user terminal 2, the financial institution system 4, and the electronic payment system 5. The server may be constituted by one or more devices, or may be a server realized on the cloud.

[0018] The affiliated financial institution Web system 7 is a system that provides financial products and services handled by a second financial institution and financial products and services handled by a first financial institution to a user on the Web. For example, the system has a function of displaying a Web site such as the homepage of the second financial institution to the user terminal 2 that has accessed the affiliated financial institution Web system 7, and providing financial products such as sports lotteries, publicly managed races (horse racing, boat racing, etc.), various deposits, insurance, and loans handled by the first financial institution, in addition to financial products such as various deposits, insurance, and loans handled by the second financial institution and financial services such as transfers and money transfers on the Web site. Alternatively, by starting application software related to the second financial institution that is pre-installed on the user terminal 2, the application software causes the user terminal 2 to realize the functions of the affiliated financial institution Web system 7.

[0019] In the embodiment shown in FIG. 2, the affiliated financial institution Web system 7 includes an affiliated financial institution authentication processing unit 10, a financial product / service information display control processing unit 11, and an affiliated financial institution display screen transition control processing unit 12.

[0020] Various information held by the second financial institution is stored in the affiliated financial institution DB 8. In the embodiment shown in Fig. 2, the affiliated financial institution DB 8 stores affiliated financial institution financial product and service information 13, financial institution financial product and service information 23, affiliated financial institution user information 14, and first account information 15.

[0021] The affiliated financial institution financial product and service information 13 is information such as identifiers, attributes, etc. for providing financial products such as various deposits, insurance, and loans handled by the second financial institution mentioned above, as well as financial services such as transfers and money transfers, on the Web.

[0022] Financial institution financial product and service information 23 is information such as identifiers and attributes for providing on the Web financial products such as various deposits, insurance, loans, sports lotteries, and publicly managed sports (horse racing, boat racing, etc.) handled by the first financial institution, and financial services such as transfers and money transfers, for sports lotteries, publicly managed sports (horse racing, boat racing, etc.) that the second financial institution wishes to handle.

[0023] The affiliated financial institution user information 14 is information such as personal information and credit information of a user who has opened an account at a second financial institution.

[0024] The first account information 15 is information about various accounts of the user linked to the affiliated financial institution user information 14, and is information about the first account used for the transfer processing of funds related to the use of financial products and services on a website related to financial products and services handled by the first financial institution. In the form shown in Fig. 2, the first account related to the first account information 15 is composed of an affiliated financial institution user name account 15a and an affiliated financial institution fund settlement account 15b.

[0025] The affiliated financial institution user account 15a is a real account to which an account number, etc. is assigned for each user, and the affiliated financial institution fund settlement account 15b is a fund transfer account set up for the transfer of funds from the affiliated financial institution user account 15a and to the affiliated financial institution user account 15a.

[0026] The affiliated financial institution accounting system 9 is a system that executes the transfer processing of funds related to financial products and services handled by a second financial institution or the transfer processing of funds related to the use of financial products and services on a website related to financial products and services handled by a first financial institution. In the embodiment shown in FIG. 2, the affiliated financial institution accounting system 9 includes an affiliated financial institution fund transfer processing unit 16.

[0027] [Financial institution system] The financial institution system 4 is a system constructed by the first financial institution using one or more computers (terminals such as personal computers, smartphones, tablets, etc.) and servers. In the form shown in FIG. 3, the financial institution system 4 includes a financial institution Web system 17, a financial institution DB 18, and a financial institution accounting system 19.

[0028] Although not shown, the computer or server constituting the financial institution system 4 includes an arithmetic processing unit constituted by a CPU or the like for processing and calculating various data, a main memory unit for storing various data such as a main memory, an auxiliary memory device such as an internal storage, an information output unit such as a liquid crystal display, an information input unit such as a touch panel, and a communication unit for transmitting and receiving various information to and from each of the user terminal 2, the affiliated financial institution system 3, and the electronic payment system 5. The server may be constituted by one or more devices, or may be a server realized on the cloud.

[0029] The financial institution Web system 17 is a system that provides users with financial products and services handled by a first financial institution on the Web. For example, the system has a function of displaying on the user terminal 2 a website about financial products handled by the first financial institution, such as sports lotteries and publicly managed races (horse racing, boat racing, etc.), selected on the website of a second financial institution, and allowing the user to make a transaction, and a function of inquiring and changing various information. Alternatively, by starting application software related to the second financial institution that is pre-installed on the user terminal 2, the application software causes the user terminal 2 to realize the functions of the financial institution Web system 17.

[0030] In the embodiment shown in FIG. 3, the financial institution Web system 17 includes a financial institution authentication processing unit 20, a financial product / service transaction processing unit 21, and a second account opening processing unit 22.

[0031] Various types of information held by the first financial institution are stored in the financial institution DB 18. In the form shown in Fig. 3, the financial institution DB 18 stores financial institution financial product and service information 23, financial institution user information 24, affiliated financial institution information 25, and second account information 26.

[0032] Financial institution financial product and service information 23 is information such as identifiers, attributes, etc., for providing on the Web the financial products such as various deposits, insurance, loans, sports lotteries, and publicly managed sports (horse racing, boat racing, etc.) and financial services such as transfers and money transfers that the second financial institution wishes to handle, among the financial products such as various deposits, insurance, loans, sports lotteries, and publicly managed sports (horse racing, boat racing, etc.) handled by the first financial institution described above.

[0033] The financial institution user information 24 is information such as personal information, credit information, etc. of a user who has opened a second account (described later) at a first financial institution. The financial institution user information 24 may include affiliated financial institution user information 14 acquired from the affiliated financial institution system 3.

[0034] The affiliated financial institution information 25 includes information such as an identifier and name for identifying the second financial institution, and the affiliated financial institution user account 15a of the user linked to these.

[0035] The second account information 26 is information about a second account that is set up for a user of a second financial institution linked to the affiliated financial institution information 25 and is used for a transfer process of funds related to the use of financial products and services handled by the first financial institution. In the form shown in Fig. 3, the second account related to the second account information 26 is composed of an in-financial institution user account 27a, an affiliated financial institution account 27b, and a financial institution fund settlement account 27c.

[0036] The user account 27a in the financial institution is an account for each user of the second financial institution used only for the transfer processing of funds related to the use of financial products and services handled by the first financial institution, and the affiliated financial institution account 27b is a real account to which an account number, etc. is assigned for each second financial institution. The financial institution fund settlement account 27c is an account for fund transfer that relays the transfer of funds from the affiliated financial institution account 27b to the user account 27a in the financial institution and the transfer of funds from the user account 27a in the financial institution to the affiliated financial institution account 27b in the financial institution. The user account 27a in the financial institution is an account used only for the transfer of funds related to the use of financial products and services handled by the first financial institution between the first financial institution and the second financial institution, and therefore has the characteristic that it is not possible to perform a withdrawal process by operating an automated teller machine or a remittance process to another financial institution.

[0037] The financial institution accounting system 19 is a system that executes transfer processing of funds related to financial products and services handled by the first financial institution. In the embodiment shown in FIG. 3, the financial institution accounting system 19 includes a financial institution fund transfer processing unit 28.

[0038] [Electronic payment system] The electronic payment system 5 is a system constructed by a business operator that relays information communication between the financial institution system 4 and the affiliated financial institution system 3, using one or more computers (terminals such as personal computers, smartphones, tablets, etc.) and servers. In the form shown in FIG. 4, the electronic payment system 5 includes an electronic payment processing unit 29.

[0039] Although not shown, the computer or server constituting the electronic payment system 5 includes an arithmetic processing unit constituted by a CPU or the like for processing and calculating various data, a main memory unit for storing various data such as a main memory, an auxiliary memory device such as an internal storage, an information output unit such as a liquid crystal display, an information input unit such as a touch panel, and a communication unit for transmitting and receiving various information to and from each of the affiliated financial institution system 3 and the financial institution system 4. The server may be constituted by one or more devices, or may be a server realized on the cloud.

[0040] An example of the processing flow of the financial product / service provision system 1 of this embodiment will be described below with reference to Figures 5 to 11. In the following processing flow, a financial institution that conducts banking business on the Internet is described as the first financial institution, and a regional bank is described as the second financial institution that has a business partnership with the first financial institution. In addition, the description will be given assuming that application software of the second financial institution that can execute various functions related to the affiliated financial institution Web system 7 and the financial institution Web system 17 is installed in a user terminal 2 used by a user of the second financial institution.

[0041] [Funds transfer process flow 1 from the second financial institution to the first financial institution]

[0042] (S1, S2) When the user operates the user terminal 2 to start the application software of the second financial institution, the user terminal 2 functions as the affiliated financial institution authentication processing unit 10, and a predetermined login screen is displayed on the user terminal 2. When the information required for login, such as an ID and password, is entered, the login process is performed.

[0043] (S3) After the login process is completed, the user terminal 2 functions as the financial product / service information display control processing unit 11, and a predetermined menu screen and a user interface for financial products / services related to the financial product / service information are displayed on the user terminal 2. At this time, the financial product and service information display control processing unit 11 displays on the user terminal 2 the financial products and services handled by the second financial institution related to the affiliated financial institution financial product and service information 13 stored in the affiliated financial institution DB8 and the financial products and services handled by the first financial institution related to the financial institution financial product and service information 23 as icons or the like that can be selected by the user.

[0044] (S4) The user operates the user terminal 2 to select, for example, an icon of a sports lottery from among the financial products and services offered by the first financial institution related to the financial institution financial product and service information 23.

[0045] (S401) The user terminal 2 functions as an affiliated financial institution display screen transition control processing unit 12, and the display screen of the user terminal 2 transitions to the website of the first financial institution related to the financial products and services handled by the selected first financial institution. At this time, the user terminal 2 functions as an affiliated financial institution authentication processing unit 10 and transmits to the financial institution system 4 information such as an identifier and name for identifying the second financial institution, and the first account information 15 of the affiliated financial institution user account 15a. In the financial institution system 4, the financial institution authentication processing unit 20 compares the acquired information such as an identifier, name, etc. identifying the second financial institution, and the affiliated financial institution user account 15a with the affiliated financial institution information 25 stored in the financial institution DB 18, and performs login processing to the website of the first financial institution using single sign-on (SSO).

[0046] (S402) The second account opening processing unit 22 performs a process of determining whether the user related to the login process by single sign-on has opened a second account at the first financial institution.

[0047] (S403) If a second account has not been opened at the first financial institution (S402-N), the second account opening processing unit 22 displays a predetermined account opening application screen.

[0048] (S404) The user operates the user terminal 2 to select an application for opening a second account.

[0049] (S405, 406) The financial institution authentication processing unit 20 requests the affiliated financial institution system 3 to perform OAuth authentication processing via the electronic payment system 5. The affiliated financial institution authentication processing unit 10 grants the financial institution system 4 the authority to access the affiliated financial institution system 3 via the electronic payment system 5.

[0050] (S407) The financial institution authentication processing unit 20 uses the API to request the affiliated financial institution system 3 to inquire about user information related to the application for opening a second account.

[0051] (S408) The user terminal 2 functions as the affiliated financial institution authentication processing unit 10, compares the user information related to the application for opening a second account with the affiliated financial institution user information 14 stored in the affiliated financial institution DB8, and transmits the result to the financial institution system 4.

[0052] (S 409 ) The financial institution authentication processing unit 20 transmits an authentication code to the user terminal 2 .

[0053] (S410, S411) The second account opening processing unit 22 displays an authentication code input screen in addition to the account opening application screen. The user inputs the authentication code received by the user terminal 2 into the authentication code input screen. The financial institution authentication processing unit 20 authenticates the input authentication code, and the second account opening processing unit 22 displays an input screen for user information such as an email address and a password required to open a second account. The user operates the user terminal 2 to input user information such as an email address and a password.

[0054] (S412) The second account opening processing unit 22 stores the entered user information in the financial institution DB 18 as new financial institution user information 24, and also creates an in-financial institution user account 27a and stores this in the financial institution DB 18 as part of the second account information 26. The second account opening processing unit 22 notifies the user terminal 2 that the second account opening process has been completed.

[0055] (S5) In S402, if a second account has been opened with the first financial institution (S402-Y), the financial product / service transaction processing unit 21 displays a transaction screen for accepting input of order information for financial products / services handled by the first financial institution selected in S4 on the user terminal 2. In this processing flow, as an example, an order screen for sports lottery tickets provided by the first financial institution is displayed.

[0056] (S6) The user operates the user terminal 2 to order financial products and services handled by the first financial institution. In this process flow, the number of sports lottery tickets to be purchased provided by the first financial institution is input, and the purchase amount is confirmed.

[0057] (S601) The financial product / service transaction processing unit 21 uses an API to request the electronic payment system 5 to transfer funds related to financial products / services handled by the first financial institution (in this processing flow, the purchase amount for a sports lottery ticket offered by the first financial institution).

[0058] (S602) In the electronic payment system 5, the electronic payment processing unit 29 uses an API to make a request to the affiliated financial institution accounting system 9 of the affiliated financial institution system 3 to transfer funds related to financial products and services handled by the first financial institution.

[0059] (S603, S604) In the affiliated financial institution accounting system 9, the affiliated financial institution fund transfer processing unit 16 instantly transfers funds related to the financial products and services handled by the first financial institution from the affiliated financial institution user account 15a to the affiliated financial institution fund settlement account 15b (Figure 10). The affiliated financial institution system 3 sends an API response to the electronic payment system 5 based on the result of the above processing.

[0060] (S605) In the electronic payment system 5, the electronic payment processing unit 29 uses an API to make a request to the financial institution accounting system 19 of the financial institution system 4 to transfer funds related to financial products and services handled by the first financial institution.

[0061] (S606, S607) In the financial institution accounting system 19, the financial institution fund transfer processing unit 28 instantly transfers funds related to the financial products and services handled by the first financial institution from the affiliated financial institution account 27b via the financial institution fund settlement account 27c to the financial institution user account 27a (FIG. 10). After that, the funds related to the financial products and services handled by the first financial institution are instantly debited from the financial institution user account 27a to the accounts of various financial institutions of the business operators who operate the financial products and services handled by the first financial institution (FIG. 10). The financial institution system 4 sends an API response to the electronic payment system 5 based on the result of the above processing.

[0062] (S7) In the financial institution system 4, the financial product / service transaction processing unit 21 displays on the user terminal 2 that the funds transfer process has been completed.

[0063] [Funds transfer process flow 2 from the second financial institution to the first financial institution] In this processing flow, the financial product / service handled by the first financial institution is a "public race track" and a case where a user uses this public race track will be described with reference to Figures 5 and 8. Therefore, in the financial product / service provision system 1 related to this processing flow, an external system managed by the public race track operator that operates the public race track is communicably connected to the financial institution system 4 via a communication network 6. Note that the processing from S1 to S3 in Figure 5 is the same as the funds transfer processing flow 1 described above, and therefore the description thereof will be omitted.

[0064] (S4) The user operates the user terminal 2 to select an icon for a publicly managed race from among the financial products and services offered by the first financial institution listed in the financial institution financial product and service information 23. The user terminal 2 functions as an affiliated financial institution display screen transition control processing unit 12, and the display screen of the user terminal 2 transitions to the website of the first financial institution related to the financial products and services handled by the selected first financial institution. A list of multiple public races is displayed on this display screen. The user operates user terminal 2 to select the public race (e.g. horse racing) in which he or she wishes to trade, but if he or she has not opened a second account with the first financial institution, steps S403-S412 of the funds transfer processing flow 1 described above are carried out. If the user has opened a second account with the first financial institution, the display screen of the user terminal 2 will transition to the website of the public racing event operator related to the selected public racing event.

[0065] (S5) When a prescribed login process is performed on the website, a transaction screen is displayed on the user terminal 2, which accepts input of order information for the public race selected in S4.

[0066] (S6) The user operates the user terminal 2 to carry out procedures for purchasing betting tickets handled by the first financial institution and sold by the public racing event operator, and procedures for transferring funds for the purchase. In this processing flow, the number of betting tickets, etc. ordered for the venue of the public racing event run by the public racing event operator is entered, and the order amount is confirmed.

[0067] (S601) The external system uses the API to make a request to financial institution system 4 for a transfer of funds related to publicly managed lottery races, which are financial products and services handled by the first financial institution.

[0068] (S602) In the financial institution system 4, the financial product / service transaction processing unit 21 uses the API to make a request to the electronic payment system 5 for a transfer of funds related to publicly managed races, which are financial products / services handled by the first financial institution.

[0069] (S603) In the electronic payment system 5, the electronic payment processing unit 29 uses an API to make a request to the affiliated financial institution accounting system 9 of the affiliated financial institution system 3 for a transfer of funds related to publicly managed races, which are financial products and services handled by the first financial institution.

[0070] (S604, S605) In the affiliated financial institution accounting system 9, the affiliated financial institution fund transfer processing unit 16 instantly transfers funds related to public lotteries, which are financial products and services handled by the first financial institution, from the affiliated financial institution user account 15a to the affiliated financial institution fund settlement account 15b (Figure 10). The affiliated financial institution system 3 sends an API response to the electronic payment system 5 based on the result of the above processing.

[0071] (S606) In the electronic payment system 5, the electronic payment processing unit 29 uses an API to make a request to the financial institution accounting system 19 of the financial institution system 4 to transfer funds related to publicly managed races, which are financial products and services handled by the first financial institution.

[0072] (S607, S608) In the financial institution accounting system 19, the financial institution fund transfer processing unit 28 instantly transfers funds related to the public racing, which is a financial product / service handled by the first financial institution, from the affiliated financial institution account 27b via the financial institution fund settlement account 27c to the financial institution user account 27a (Figure 10). After that, the funds related to the public racing are instantly debited from the financial institution user account 27a to the accounts of the various financial institutions of the public racing operator (Figure 10). The financial institution system 4 sends an API response to the electronic payment system 5 based on the result of the above processing.

[0073] (S609) The financial institution system 4 sends an API response to the external system based on the result of the above processing.

[0074] (S7) The external system displays on the user terminal 2 that the funds transfer process has been completed.

[0075] [Flow of fund transfer processing from a first financial institution to a second financial institution]

[0076] (S8) A notification of the deposit of funds related to financial products and services handled by the first financial institution is sent by means of e-mail or the like from the financial institution system 4 to the user terminal 2. In this processing flow, for example, a notification of the transfer (withdrawal) of winnings from a sports lottery purchased by the user is sent to the user terminal 2. The winnings are transferred to the user's account 27a within the financial institution.

[0077] (S901) The financial institution Web system 17 uses an API to make a request to the electronic payment system 5 for a transfer of funds related to financial products and services handled by the first financial institution (in this processing flow, winnings from a sports lottery offered by the first financial institution).

[0078] (S902) In the electronic payment system 5, the electronic payment processing unit 29 uses an API to make a request to the financial institution accounting system 19 of the financial institution system 4 to transfer funds related to financial products and services handled by the first financial institution.

[0079] (S903, S904) In the financial institution accounting system 19, the financial institution fund transfer processing unit 28 instantly transfers funds related to the financial products and services handled by the first financial institution from the financial institution user account 27a via the financial institution fund settlement account 27c to the affiliated financial institution account 27b (Figure 11). The financial institution system 4 sends an API response to the electronic payment system 5 based on the result of the above processing.

[0080] (S905) In the electronic payment system 5, the electronic payment processing unit 29 uses an API to make a request to the affiliated financial institution accounting system 9 of the affiliated financial institution system 3 to transfer funds related to financial products and services handled by the first financial institution.

[0081] (S906, S907) In the affiliated financial institution accounting system 9, the affiliated financial institution fund transfer processing unit 16 instantly transfers funds related to the financial products and services handled by the first financial institution from the affiliated financial institution fund settlement account 15b to the affiliated financial institution user account 15a (Figure 11). The affiliated financial institution system 3 sends an API response to the electronic payment system 5 based on the result of the above processing.

[0082] As described above, according to the financial product and service provision system 1 of this embodiment, a website related to financial products and services handled by a first financial institution is seamlessly connected to the application software of a second financial institution, and a user who has opened an account with the second financial institution can conduct transactions for financial products and services of the first financial institution that are not handled by the second financial institution through the application software of the second financial institution. [Explanation of symbols]

[0083] 1. Financial products and services provision system 6. Communication Network

Claims

1. A financial product / service provision system that provides financial products / services handled by a financial institution to a user who has an account at an affiliated financial institution through an affiliated financial institution system that is constructed on a communication network by an affiliated financial institution that is affiliated with the financial institution, comprising: a UI (User Interface) display control means for displaying a user interface that allows the user to select available financial products and services handled by the financial institution on a user terminal used by the user who has accessed a Web server constituting the affiliated financial institution system or on a user terminal on which application software related to the affiliated financial institution system is executed; a display screen transition control means for transitioning a display screen of the user terminal to a website related to the financial product or service selected through the user interface; a funds transfer means for performing a transfer process of funds relating to the use of the financial products and services on the website between a first account at the affiliated financial institution and a second account at the financial institution, The first account is composed of an affiliated financial institution user name account and an affiliated financial institution fund settlement account, The second account is composed of a user account in a financial institution, an account in the name of an affiliated financial institution, and a financial institution fund settlement account, The user account in the financial institution is an account that is used only for the transfer of funds related to the use of the financial products and services on the website between the financial institution and the affiliated financial institution and has characteristics that are not real accounts, The funds transfer means transfers payment funds resulting from the use of the financial product / service from the affiliated financial institution user account to the affiliated financial institution fund settlement account in the first account based on a first API request, and transfers the payment funds from the affiliated financial institution account to the financial institution user account via the financial institution fund settlement account in the second account, and withdraws the payment funds from the financial institution user account; The funds transfer means transfers the refund funds from the user account in the financial institution, into which the refund funds for the use of the financial product / service have been deposited, to the affiliated financial institution account, via the financial institution funds settlement account in the second account, based on the second API request, and transfers the refund funds from the affiliated financial institution funds settlement account in the first account to the affiliated financial institution user account. A financial product / service provision system comprising:

2. The system further includes a second account opening management means for managing the opening of the second account on the user terminal of a user who does not have the second account when using the financial product or service on the website.

2. The financial product / service providing system according to claim 1.

3. A computer program for causing a computer to function as the financial product / service providing system according to claim 1 or 2.

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