JP2001273404A - Transfer method, congratulatory money transfer method and banking system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To enable a transfer transaction, especially, to easily transfer congratulatory money such as money given as a gift at the New Year or wedding gift even without knowing the account number of a transfer destination. SOLUTION: Transfer destination information such as the domicile or the mail address of the transfer destination is acquired together with a transfer amount, the presence of a transfer demand is reported to the recipient of the transfer destination according to the transfer destination information, and the designated amount is transferred to the account designated by the recipient.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transfer method, a festive transfer method, and a banking system, and is particularly useful for transferring festive money such as new year balls and wedding celebration.

[0002]

2. Description of the Related Art In general, as a method of sending cash to a distant partner, a method of sending money using a transfer transaction of a financial institution such as a bank and a method of sending cash using registered mail of a post office are known. . In particular, when sending congratulatory money such as New Year's gifts or wedding celebration to the other party, many people do not know the account number of the other party, and it is not possible to ask for the account number when celebrating, so registered mail is not registered. It's being used.

[0003]

However, when mailing a new year's ball or a wedding gift to the other party by registered mail as described above, the conventional method lacks warmth and lacks warmth. On the other hand, in the above-mentioned conventional transfer transaction, it is not possible to ask for the account number at the time of congratulation, so it is not used when sending congratulation money such as new year balls or wedding celebration to the other party. If you do not know or forget your account number, you will not be able to make a transfer.

[0004] Therefore, the present invention enables a congratulatory transfer, especially to a person in a remote location, and accepts a transfer transaction even if the transfer requester does not know or forgets the account number. The purpose of the present invention is to improve the customer service of transfer transactions of financial institutions.

[0005]

According to a first aspect of the present invention, there is provided a transfer method in which transfer destination information such as a transfer destination address and an e-mail address is acquired together with a transfer amount, and the transfer destination is received in accordance with the transfer destination information. The configuration is characterized in that a person is notified that a transfer request has been made, and the designated amount is transferred to an account designated by the recipient. As a result, it is possible to provide a case where the transfer requester does not know the account number of the transfer destination, or a celebratory transfer such as a new year's bill to be described later.

[0006] The festive transfer method according to claim 2 is to obtain transfer destination information such as a transfer destination address and an e-mail address for transferring a festive money such as a new year's ball or a wedding celebration together with the amount of the festive money, According to the configuration, the receiver of the transfer is notified of the transfer request in accordance with the information, and the designated amount of congratulatory money is transferred to the account specified by the receiver.

[0007] According to a third aspect of the present invention, the congratulatory transfer method according to the second aspect is configured such that the recipient is designated to have a branch to open an account, and the designated amount of the congratulatory money is transferred to the account opened at the branch. This is a structural feature. The congratulatory transfer method according to claim 4 is based on claim 3,
Make sure that the transfer requester specifies the congratulatory bag when accepting the transfer request, and put the passbook of the account opened by the recipient and account documents such as cards in the designated congratulatory bag and send it to the recipient. This is a feature of the configuration.

[0008] A banking system according to claim 5 is
A transfer information input screen such as a transfer destination address and an e-mail address and a transfer amount input screen are displayed. The transfer requester is requested to input the transfer destination information and the transfer amount, and the transfer request is accepted. According to the information, the recipient of the transfer is notified that the transfer request has been made, the recipient's account is specified, and the specified amount is transferred to the account specified by the recipient. Features above.

[0009] A banking system according to claim 6 is provided.
A screen for inputting transfer destination information such as a transfer destination address and an e-mail address for transferring festive money such as a new year's ball and a wedding celebration,
A screen for inputting the amount of festive money is displayed, the transfer requester is asked to enter the transferee information and the amount of festive money, the festive transfer request is accepted, and a festive transfer request is sent to the recipient of the transferee according to the transferee information. The configuration is characterized by notifying that there is, and having the recipient specify the account of the transfer destination, and transferring the designated congratulatory amount to the account specified by the recipient.

[0010] A banking system according to claim 7 is
In a sixth aspect of the present invention, a configuration is characterized in that the receiver is made to designate a branch for which an account is to be opened, and a designated amount of festive money is transferred to the account opened for the branch.
In the banking system according to the eighth aspect, in the seventh aspect, the transfer requester specifies a congratulatory bag at the time of accepting the transfer request, and stores the account documents such as a passbook or a card of the account opened by the recipient. A special feature of the system is that it can be sent to the recipient in a designated celebration bag.

[0011] The banking system according to claim 9 is
In claim 5, claim 6, claim 7, or claim 8,
The configuration is characterized in that the host computer of the financial institution is connected to the Internet, and the transfer requester's computer is allowed to access the host computer to receive the transfer request. The banking system according to claim 10 is the network according to claim 5, claim 6, claim 7, or claim 8 in which a host computer of a financial institution and a counter terminal device installed in a store are connected. Based on the transfer request form submitted to the counter by the transfer requester, the transfer terminal accepts the transfer request by inputting the necessary information for the transfer request such as the transfer destination information and the amount to the counter terminal device The feature of.

In a banking system according to the present invention, the host computer of the financial institution is connected to the Internet in accordance with claim 5, claim 6, claim 7, claim 8, claim 9, or claim 10 to receive the data. The configuration is characterized in that a mail to the effect that a transfer request has been made is sent to a human computer. A banking system according to claim 12, wherein the host computer of the financial institution is connected to the Internet according to claim 5, claim 6, claim 7, claim 8, claim 9 or claim 10, In this case, an e-mail to the effect that a transfer request has been made is transmitted, and a transfer process is executed between the host computer and the recipient computer.

[0013]

Embodiments of the present invention will be described below with reference to the drawings. It should be noted that the present invention is not limited by this. First Embodiment FIG. 1 is a conceptual diagram of an Internet banking system according to a first embodiment. In the Internet banking system 100, a server 11 for controlling communication of the bank office center 10, a server 20 for controlling communication of the bank C branch 20, a personal computer 30 owned by Mr. A as a congratulatory transfer client, The personal computer 41 owned by Mr. B as the recipient exchanges data with each other via the Internet 50.

The bank office center 10 includes the server 11, a host system 13 connected to the server 11 by a dedicated line 12, and a terminal (personal computer) 15 connected to the server 11 via a LAN 14. , 16,1
7 and 18 are mainly installed. The host system 13 has a function of managing various customer information and executing various transactions. The terminal 15 and the like perform input management and the like of various customer information registered by the operator in the host system 13.

The bank C branch 20 has the server 21
And window terminals (PCs) 23, 24, 25, and 26 connected to the server 21 via the LAN 22. At the counter terminal 23 and the like, the bank staff performs input processing of various transactions and the like. In particular, in the present embodiment, the branch that notifies B that the congratulation transfer request has been made, opens the account of B, and is the branch closest to the address of B.

The server 11, host system 13,
Each of the terminals 15 to 18, the server 21, the counter terminals 23 to 26, the personal computer 30, and the personal computer 40 includes a CPU, a memory, and various storage media (not shown), and the CPU executes programs stored in the memory and the various storage media. Thus, the congratulatory transfer process can be performed according to the instruction of the operator or the like, and the detailed description is omitted.

Next, a festive transfer process according to the first embodiment will be described. FIG. 2 is an explanatory diagram showing the flow of the congratulatory transfer process in the components of the Internet banking system, and arrows 201 to 207 show the flow of the congratulatory transfer process. FIG. 3 shows an example of a celebration transfer reception screen. First, when Mr. A operates the personal computer 30 to access the server 11 of the bank office center 10, the server 11 transmits a menu screen (not shown) to the personal computer 30, and when Mr. A selects the congratulatory transfer,
The server 11 transmits a congratulation transfer reception screen as shown in FIG. 3 to the personal computer 30. In the personal computer 30, Mr. A inputs data for the congratulation transfer and transmits the data to the server 11 (arrow 201).

As shown in FIG. 3, the celebration transfer reception screen displays input fields for celebration transfer type a, postal code b, address c, name d, telephone number e, recipient e-mail address f, and congratulations. An input field for a bag selection number g is provided. In addition, an image example h of the celebration bag is displayed. Here, it is assumed that a new year's ball is selected as the type and 1 is selected from the four types of new year's bag. In addition, when the part of 1-4 is clicked, it is made to display large, or the part of 1-4 is made into a simple button, and when each is clicked, the image of the celebration bag registered in the button is displayed. You may. Although not shown, input fields for the mail address of the client, the address of the receiver, the postal code and the telephone number are provided, and these data are also input.

Next, the bank office center 10 performs a process of deducting a festive amount and a fee from the account of Mr. A between the server 11 and the host system 13 (arrow 20).
2) The server 11 performs the congratulation transfer processing to the host system 1
In order to have 3 perform the operation, the fact that the e-mail address of Mr. B has received a festive transfer is notified (arrow 203). Then, when Mr. B accesses the host system 13 via the server 11 of the bank office 10 by operating the personal computer 40, the host system 13 executes a partner confirmation procedure (arrow 204). The partner confirmation procedure is a procedure in which Mr. B inputs an address, etc., compares it with the address, etc. inputted by Mr. A, and if they match, confirms that the recipient is a legitimate recipient.
Also, at this time, Mr. B is in Bank C branch 2 who opens an account.
Specify 0. In the case where Mr. B has already opened an account at the bank C branch 20, the account is designated as the transfer destination account.

Thereafter, when the host system 13 instructs the designated bank C branch 20 to perform an account opening operation with a congratulatory transfer, at the bank C branch 20, the banker mails a document P necessary for opening a new account to Mr. B. (Arrow 205). Then, when Mr. B fills in the necessary items on the document P and sends it to the bank C branch 20 (arrow 206), the bank C branch 20
The staff member performs a new account opening process, and mails the passbook R and the cash card S of B's account in the celebration bag Q designated by A to B (arrow 207). This account has the amount designated by Mr. A. Also, keep a message of congratulation etc. in advance to Mr. A, and put a message card etc. with the message etc. printed on congratulation bag Q
You may make it mail by putting in.

The bank C branch 20 transmits a document input screen required for opening a new account to Mr. B via the Internet 50, and Mr. B also inputs necessary information on the input screen and replies. You may. In this case, the seal and the like of the bank report stamp may be sent by mail. According to the first embodiment, it is possible to easily send a festive money from home. Even if you receive it, it will be a warm gift by not being cash itself and receiving the gift in the celebration bag. For example, when a grandfather gives a grandchild to his grandson, he or she can send a deposited passbook with his grandson's name, so that both the sender and the recipient can expect to be more satisfied than ever. In addition, financial institutions will be able to increase profits by acquiring customers who open new accounts and earning commissions. Furthermore, especially for people in remote areas,
Not only can a congratulatory transfer be made, but also a normal transfer other than a congratulatory transfer when the account number of the other party's transfer destination is not known or forgotten can be performed.

Second Embodiment In the first embodiment described above, a condition that the applicant for the congratulatory transfer is an Internet banking subscriber of a bank is required, but in order to further expand the customer base, It is necessary to provide similar services to customers who come to the branch. FIG. 4 is a conceptual diagram of the banking system according to the second embodiment. In the banking system 200, the server 11 that controls communication of the bank office center 10
And the server 20 for controlling the communication of the bank C branch 20, and the bank D to which Mr. A as the congratulatory transfer requester makes a transfer request
The server 61 of the branch 60 and the personal computer 41 owned by Mr. B as a congratulatory money recipient exchange data via the Internet 50, respectively.

The bank D branch 60 has the server 61
And window terminals (personal computers) 63, 64, 65, 66 connected to the server 61 via a LAN 62. At the counter terminal 63 and the like, the bank staff performs input processing of various transactions and the like. In particular, in the present embodiment, if Mr. A makes a congratulatory transfer request by writing various data in a transfer request form (not shown),
Operation of 3 and the like to input various data. The celebration transfer reception screen at this time may be the same as the content described with reference to FIG. 3 in the first embodiment, and a description thereof will be omitted.

The components denoted by reference numerals other than the configuration of the server 61 and the like of the bank D branch 60 are the same as those in the first embodiment, and the description thereof will be omitted. Further, similarly to the first embodiment, the server 11, the host system 13, the terminals 15 to 18, the server 21, the contact terminals 23 to 26, the server 61, the contact terminals 63 to 66, and the personal computer 40 are shown in FIG. It is assumed that a CPU, a memory, and various storage media are provided, and that the CPU executes programs stored in the memory and the various storage media to perform a congratulation transfer process in accordance with an instruction of an operator or the like. Description is omitted. In FIG. 4,
Arrows 401 to 407 indicate the flow of the congratulation transfer process.

First, Mr. A visits the bank D branch 60 and submits a congratulation transfer request form. Then, the bank employee collects a congratulatory money and a commission together with the transfer request form in cash, and inputs various data by operating the counter terminal 63 or the like while viewing the transfer request form. The counter terminal 63 and the like are the server 1
The various data are transmitted to No. 1 (arrow 401). Less than,
Since the processing of arrows 402 to 407 is the same as the processing of arrows 202 to 207 in the first embodiment,
Description is omitted.

According to the second embodiment, the first embodiment
In addition to the effects of the embodiment, the congratulatory transfer can also be accepted for customers who have not subscribed to Internet banking. This can be expected to increase, and commission income and new account opening can be expected to increase.

The first embodiment and the second embodiment
In the embodiment of the present invention, a transaction at a financial institution has been described as an example. However, the present invention is not limited to this. Therefore, the description is omitted.

[0028]

As described above, according to the present invention, even if the recipient is not cash itself and receives the present in the celebration bag, the gift becomes a warm gift. In addition, since the deposited passbook with the name of the grandchild can be sent, it can be expected that both the sender and the recipient can obtain a greater satisfaction than before. In addition, it is expected that financial institutions can increase profits by acquiring customers who open new accounts and earning commissions. In addition, not only can you make congratulatory transfers, especially to people who are in remote locations, but you can also make regular transfers other than congratulatory transfers when you do not know or forget the account number of the other party's transfer destination The effect that can be performed is obtained.

[Brief description of the drawings]

FIG. 1 is a conceptual diagram of an Internet banking system according to a first embodiment.

FIG. 2 is an explanatory diagram of a festive transfer process according to the first embodiment;

FIG. 3 is an exemplary diagram of a celebration transfer reception screen according to the first embodiment;

FIG. 4 is a conceptual diagram of a banking system according to a second embodiment.

[Explanation of symbols]

 100 Internet Banking System 10 Bank Office Center 11 Server 12 Dedicated Line 13 Host System 14 LAN 15-18 Terminal 20 Bank C Branch 21 Server 22 LAN 23-26 Window Terminal 30 PC 40 PC 50 Internet

Claims (12)

[Claims] [Claim 1] Obtain transfer destination information such as the transfer destination address and e-mail address together with the transfer amount, notify the transfer destination recipient that a transfer request has been made in accordance with the transfer destination information, and designate the recipient. A transfer method characterized in that a designated amount is transferred to an account to be transferred. [2] Acquisition of transfer destination information such as the address and e-mail address of the transfer destination for transferring festive money such as New Year's balls and wedding gifts, along with the amount of the festive money, and transfer to the recipient of the transfer according to the transfer destination information. A congratulatory transfer method comprising notifying that a request has been made, and transferring a designated amount of congratulatory money to an account designated by the recipient. 3. The congratulatory transfer method according to claim 2, wherein the recipient is designated to open a branch for opening an account, and the designated bank account is transferred to the account opened at the branch. 4. The congratulatory device according to claim 3, wherein the transfer requester specifies a congratulatory bag at the time of accepting the transfer request, and the account document such as a passbook or a card of the account opened by the recipient is specified. A festive transfer method characterized by being sent to the recipient in a bag. 5. An input screen for inputting transfer information such as a transfer destination address and an e-mail address and an input screen for a transfer amount are displayed, and the transfer requester is requested to input the transfer destination information and the transfer amount, and the transfer request is made. Notify the recipient of the transfer according to the transfer destination information that the transfer request has been made, and have the recipient specify the account of the transfer,
A banking system wherein a designated amount is transferred to an account designated by the recipient. 6. The transfer requester displays a screen for inputting transfer destination information such as a transfer destination address and an e-mail address for transferring a festive money such as a new year's ball or a wedding celebration, and a screen for inputting the amount of the festive money. Enter the transferee information and the amount of the congratulatory money, accept the congratulatory transfer request, notify the recipient of the transfer in accordance with the transferee information that the congratulatory transfer request has been made, and notify the recipient of the transferee account. A banking system wherein a designated congratulatory amount is transferred to an account designated by the recipient. 7. The banking system according to claim 6, wherein the recipient is designated to set up a branch for opening an account, and a designated amount of festive money is transferred to the account set up at the branch. 8. The congratulatory device according to claim 7, wherein the transfer requester specifies a congratulatory bag when accepting the transfer request, and specifies the passbook of the account opened by the recipient and account documents such as a card. A banking system characterized in that it can be sent to a recipient in a bag. 9. In claim 5, claim 6, claim 7, or claim 8, a transfer request is received by connecting a host computer of a financial institution to the Internet and allowing the transfer requester's computer to access the host computer. A banking system characterized by: 10. The transfer requester according to claim 5, claim 6, claim 7, or claim 8 in a network connecting a host computer of a financial institution and a counter terminal device installed in a store. A banking system characterized in that a clerk accepts a transfer request by inputting information necessary for a transfer request, such as transfer destination information and an amount, into a counter terminal device based on a transfer request form submitted to the banking system. 11. In claim 5, claim 6, claim 7, claim 8, claim 9, or claim 10, a host computer of a financial institution is connected to the Internet, and a transfer request is sent to a recipient computer. A banking system characterized by sending an e-mail to the effect. 12. In claim 5, claim 6, claim 7, claim 8, claim 9, or claim 10, a host computer of a financial institution is connected to the Internet, and a transfer request is sent to a recipient computer. Send an e-mail
A banking system wherein a transfer process is executed between a host computer and a recipient computer.