JP2003303284A - Transfer source account selection support system, method, and asset information collection / management server - Google Patents

Abstract

(57) [Summary] [Problem] When transferring money to a specified bank account, if the user has accounts at multiple banks, which account will make the transfer less expensive, Judgment is made as to whether the above amount is in the account, and the user is provided with information for judging account selection. SOLUTION: A client terminal 110 is a device such as a personal computer or a mobile phone in which a browser as WWW browsing software is installed. When the terminal 110 requests the use of the transfer fee search service, the asset information collection / management server 130 extracts account information of a plurality of banks owned by the user from the personal account information data 135 and outputs the information to the financial institution having the account. The transfer fee information when the transfer fee is extracted from the transfer fee data of the transfer destination account entered, and whether the account balance exceeds the total of the transfer amount and the transfer fee Is transmitted to the client terminal 110 and displayed.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transfer source account selection support system, method, and asset information collection / management server, and in particular, an account aggregation service and an internet banking service using a communication line such as the Internet. When making a transfer to a bank account, it is possible to inform the user which bank account has the most favorable transfer fee when the user has accounts in multiple banks. The present invention relates to a transfer source account selection support system, method, and asset information collection / management server.

[0002]

2. Description of the Related Art Currently, the World Wide Web (hereinafter simply referred to as WW
Internet banking services, which provide various services such as bank balance confirmation, deposit / withdrawal inquiry, transfer / transfer, application for time deposit / foreign currency deposit, etc. using the Internet such as W) have become widespread.

The internet banking service is for the user to use the browser software installed in the client terminal to access the internet banking server provided by the bank, confirm the current account balance, and record the past transaction history. It is a service that inquires about deposit and withdrawal details, transfers and transfers between accounts, and applies for time deposits.

However, since the internet banking service is provided by each bank, a user who has an account in a plurality of banks can access the internet banking server of each bank to provide the services of each bank. There is a need to use. The banking service provided by each bank causes confusion among users because the operability and the service content are different for each bank. In addition, this service has a problem in that it is not possible to collectively manage the assets of users distributed over multiple bank accounts.

Therefore, a service called “account aggregation” for centrally managing a plurality of accounts held by users has been proposed. This proposed service is
Not only the bank account information, but also personal information such as securities account information and credit usage details can be centrally managed. As a conventional technique related to this type of account aggregation service, for example, a technique described in Japanese Patent Laid-Open No. 2001-209721 is known.

[0006]

The prior art relating to the above-mentioned account aggregation service is related to finance such as accounts in a plurality of banks owned by the user, balances and transaction statuses of securities accounts, usage details of credits, etc. It has an advantage that information about assets can be centrally managed and provided to users.

On the other hand, financial institutions such as banks are intensifying in service competition in order to acquire and lock in customers, and due to the emergence of Internet-only banks, various transfer fees, withdrawal fees, etc. From the side by side fee,
Each financial institution is setting its own. Therefore, for example, when making a payment to a customer when purchasing a product, the user may transfer money from any of the multiple bank accounts he or she owns. However, it is difficult to judge whether the transfer can be done at the lowest fee, that is, the most advantageous case.

[0008] Therefore, an object of the present invention is to solve the above-mentioned problems that occur for users, and to use the account information of each user that is centrally managed by the account aggregation service, When making a transfer to a specified account, the account that the user has from which the fee is advantageous, and whether the account balance remains above the specified amount. Information on the transfer source account selection support that makes it possible to provide information to the user and thereby provide the material for determining from which account the user owns the transfer when the user makes the transfer. It is to provide a system, a method, and an asset information collection / management server.

[0009]

According to the present invention, the object is to connect a client terminal and an asset information collection / management server that provides an account aggregation service via a communication line, and to specify a bank account specified by a user. In the transfer source account selection support system that informs the user of which bank account is most advantageous when making a transfer when the user has accounts in multiple banks, The asset information collection / management server holds personal information data, personal account information data, and transfer fee data, and in response to a request from the user to use the transfer fee search service, a plurality of users of the requesting user have Based on each of the above data, the transfer fee from each of the accounts and information on whether or not each account has a total balance of the transfer amount and the transfer fee, It is accomplished by calculating presented.

In the above description, the user accesses the asset information collection / management server which provides the account aggregation service from the client terminal in which the browser as the browsing software is installed, and displays the page. On the displayed page,
There are fields for inputting the transfer destination financial institution name, branch name, account type, name, and amount, and the user inputs the transfer destination information. The asset information collection / management server calculates and presents a transfer fee for each registered user's bank account when the transfer is made to the specified transfer destination, to the client terminal of the user, and , The total amount of the transfer amount and the fee is shown to the user whether it is larger or smaller than the account balance, and the user is shown whether or not the transfer is possible. As a result, the user can determine from which account the transfer is advantageous.

[0011]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of a transfer source account selection support system and method according to the present invention will be described in detail below with reference to the drawings.

FIG. 1 is a block diagram showing the configuration of a transfer source account selection support system according to one embodiment of the present invention, and FIG. 2 is a process according to one embodiment of the present invention until a transfer fee and an account balance check result are displayed. FIG. 3 is a flow chart for explaining the operation, and FIG. 3 is a flow chart for explaining the processing in the case of transferring the shortage amount from another account when the balance is insufficient,
FIG. 4 is a diagram illustrating an example of personal information data, FIG. 5 is a diagram illustrating an example of personal account information data, FIG. 6 is a diagram illustrating an example of transfer fee data, and FIG. 7 is a transfer fee and account balance check. It is a figure explaining the example of a display of a result. In FIG. 1, 110 is a client terminal, 120 is a network, 130 is an asset information collection / management server, 131 is a personal information management unit, 132 is a personal account information collection unit, 133 is a transfer fee determination unit, and 134 is personal information data, 135 is personal account information data, 136 is transfer fee data, 140
Is an internet banking server, and 141 is a core system.

As shown in FIG. 1, a transfer source account selection support system according to an embodiment of the present invention includes a client terminal 110 of a user, an asset information collection / management server 130 for performing an account aggregation service, and a bank. An internet banking server 14 which is described in the core system and provides internet banking services.
0 is connected to a network 120 such as the Internet.

In one embodiment of the present invention configured as shown in FIG. 1, the client terminal 110 is a device such as a personal computer or a mobile phone in which a browser which is WWW browsing software is installed, and a network 120 such as the Internet. It is a terminal that can access various WWW servers via, and call and display information stored in the servers.

The asset information collection / management server 130 is a server that provides an account aggregation service, and includes a personal information management unit 131 that performs personal authentication of users and manages registered personal information data 134, and a network 120. By accessing the Internet banking server 140 of each bank via the personal account information collection unit 132 that acquires information such as the user's account balance and updates and manages the personal account information data 135, and the transfer fee data 1
36, a transfer fee determination unit 133 that searches for an account transfer fee and executes a transfer fee search service.

Internet banking server 140
Is the client terminal 1 via the network 120.
10 and asset information collection / management server 130 are accessed to provide various internet banking services such as balance inquiry and transfer instruction.

As shown in FIG. 4, the personal information data 131 includes a user ID 401, a password 402, and a name 40.
3, data of address 404, telephone number 405, and gender 406, and is data regarding a user who receives an account aggregation service and a transfer source account selection support service according to the embodiment of the present invention. The personal information data 131 is managed by the personal information management unit 131, and is used for identifying the user himself, providing information to the user, and the like.

The personal account information data 132 is information about an account held by each user in a financial institution, and as shown in FIG. 5, the same user ID 501 and financial institution name as those held in the personal information data 131. 502, branch name 50
3, account type 504, account number 505, account name 50
6, account balance 507, password 508. The personal account information data 132 is managed by the personal account information collection unit 130, and by using the Internet banking password 508, batch processing once a day, etc.
The bank's internet banking server 140 is accessed as appropriate, the balance information is collected, and the account balance 507 is updated.

The transfer fee data 133 is data of a transfer fee when a remittance is made from each bank which is a financial institution, and as shown in FIG. 6, data showing a bank name 601 and a transfer fee from the bank. Is. In the case of the illustrated example, the transfer fee is 602 less than 30,000 yen and 30,000 yen or more 6
It is divided into 03 and 6 in the same store in each
04, 607, accompanying other head offices 605, 608, other banks 60
The amount of each remittance divided into 6 and 609 is described.

Next, referring to the flow chart shown in FIG. 2, the processing operation according to the embodiment of the present invention until the transfer fee and the result of the account balance check are displayed will be described.

(1) The user is the client terminal 110.
To access the asset information collection / management server 130 via a network 120 such as the Internet,
Display the page that provides the account aggregation service on the local terminal. At that time, the personal information management unit 131 of the asset information collection / management server 130 authenticates the user personally by some method such as by inputting the user ID 401 and password 402 managed as the personal information data 131 ( Step 202).

(2) When the user selects to use the transfer fee search service on the page providing the account aggregation service, the client terminal 11
A screen for entering various information regarding the transfer destination account is displayed in 0. The user is the financial institution name, branch name,
Information necessary for transfer such as account type, account number, account name, transfer amount, etc. is input and transmitted to the asset information collection / management server 130 (steps 203, 204).

(3) The asset information collection / management server 130 that has received the various information of the transfer destination account, the transfer fee judgment unit 1
33 is the financial institution name 502 and the branch name 50 related to the bank account registered by the user from the personal account information data 135.
3, account type 504, account number 505, account name 50
6. Read information such as balance 507 (step 20)
5). (4) Next, the asset information collection / management server 130 searches the transfer fee data 136 for a fee for transferring the input transfer amount from each registered bank account to the transfer destination input in step 204. And calculate. For example, suppose a user has an account at Bank A's X branch and wants to transfer 50,000 yen to Bank B's Y branch. In that case, the transfer fee determination unit 133 accesses the transfer fee data 136 and searches the data of the bank A for the bank name 601. Next, the transfer amount is less than 30,000 yen 602, 30,000 yen or more 603 is judged out of the corresponding conditions of 30,000 yen or more 603, and the transfer destination account is the same bank in the same store 607, the same bank other branch 6
08, other line 609 is determined, and the corresponding transfer fee is searched (step 206).

(5) Next, the asset information collection / management server 1
30 is the sum of the transfer amount input in step 203 and the transfer fee calculated in step 206,
It is determined whether or not the transfer is possible by comparing whether or not the account balance is exceeded (step 207).

(6) Asset information collection / management server 130
Repeats the processing of steps 206 and 207 for each account, calculates the transfer fee for all the accounts owned by the user, checks the balance, and after the balance check is completed, displays the account on the screen of the client terminal 110 from each account. When the transfer is performed, the amount of each transfer fee and the check result of whether or not the total of the transfer amount and the transfer fee exceeds the account balance are displayed (step 208).

When the account balance is checked in the above-mentioned processing of step 207 and the account balance is less than the sum of the transfer amount and the transfer fee, the present invention transfers the money between the user's accounts. By doing so, it is possible to transfer the funds and then calculate the fee for the transfer to the transfer destination. The method will be described with reference to the flow shown in FIG.

(1) In the processing of step 207, when the account balance is less than the sum of the transfer amount and the transfer fee, the shortage amount is calculated, and then the shortage amount is transferred from another user's account Is calculated by searching the transfer fee data 136 (steps 301 and 302).

(2) The total of the transfer fees calculated in step 206 and step 302 is calculated, and the total of the transfer fees and the transfer amount is calculated. The above processing is calculated for all accounts of the user, and the above-mentioned step 208 is performed.
Process from. If the fees have not been calculated for all accounts, the processing from step 206 is performed, and the calculation of the transfer fee for the uncalculated accounts is continued (steps 303 and 304).

Next, FIG. 7 shows an example of the check result displayed on the client terminal of the user in the above-mentioned step 208. This example shows the account registered in the personal information data and the personal account information data. This is an example when Mr. Hitachi, who has an account with the name "Hitachi Taro", tries to transfer 15,000 yen to the account with the account name "Susukiyichiro" of the Z branch of H Bank.

As shown in FIG. 5, Mr. Taro Hitachi, who has an account with the account name "Hitachitaro", has three financial institutions.
Since there is one account, the asset information collection / management server 130 performs the transfer from each of the accounts of Bank A, Bank B, and Bank E held by Mr. Hitachi Taro in the process described with reference to FIG. The transfer fee for each account and the account balance after the transfer are calculated and displayed. In the illustrated example, when the transfer is made from Bank B, the account balance after the transfer becomes negative, which indicates that the transfer cannot be made. In this case, the asset information collection / management server 130 is
Fig. 3 shows the case of transferring funds from the bank B account after transferring the funds from the credit account to the bank B account.
The necessary transfer fee and the like are calculated and displayed by the processing described in step 1. Note that this display example is not shown in the figure.

The user who sees the above-mentioned display determines which of a plurality of accounts he / she has to make the transfer, and selects one of the displayed transfer source information with a mouse or the like. , And then "Transfer execution" shown in Figure 6
You can transfer money by clicking the button. In this case, the asset information collection / management server 130
Receives the information of the selected account and the information that the "transfer execution" button has been clicked, the Internet banking server 140 of the bank in which the account is stored,
It is sufficient to give an instruction to execute the transfer.

Each processing in the asset information collection / management server 130 according to the above-described embodiment of the present invention can be configured as a processing program.
D, DAT, FD, MO, DVD-ROM, CD-RO
It can be provided by being stored in a recording medium such as M.

[0033]

As described above, according to the present invention, in the case of making a transfer, which of the bank accounts the user owns makes the transfer fee is low, It becomes possible to show whether the account balance exceeds the total of the transfer amount and the fee, and it is possible to provide a judgment material when the user selects the transfer source account.

[Brief description of drawings]

FIG. 1 is a block diagram showing a configuration of a transfer source account selection support system according to an embodiment of the present invention.

FIG. 2 is a flowchart illustrating a processing operation according to an embodiment of the present invention until a transfer fee and an account balance check result are displayed.

FIG. 3 is a flowchart illustrating a process for transferring a shortfall amount from another account and making a transfer when the balance is insufficient.

FIG. 4 is a diagram illustrating a format example of personal information data.

FIG. 5 is a diagram illustrating a format example of personal account information data.

FIG. 6 is a diagram illustrating a format example of transfer fee data.

FIG. 7 is a diagram illustrating a display example of results of a transfer fee and an account balance check.

[Explanation of symbols]

110 client terminal 120 networks 130 Asset information collection / management server 131 Personal Information Management Department 132 Personal Account Information Collection Department 133 Transfer fee judgment section 134 Personal information data 135 Personal account information data 136 transfer fee data 140 Internet Banking Server 141 Core system

Claims (5)

[Claims] 1. A client terminal and an asset information collection / management server that provides an account aggregation service are connected via a communication line, and when a user makes a transfer to a bank account designated by the user, a plurality of banks are used by the user. In the transfer source account selection support system that informs the user of which bank's account the fee is most advantageous when holding an account in, the asset information collection / management server, the personal information data, Retains personal account information data and transfer fee data, and in response to a request from the user to use the transfer fee search service, the transfer fee from each of the plurality of accounts held by the user who made the request and the transfer fee to each account Transfer source account selection characterized by calculating and presenting information on whether or not there is a total balance of the amount of money and the transfer fee, based on the above-mentioned respective data Choice support system. 2. The information presenting the case where the funds are to be transferred from another account owned by the user for an account whose balance is less than the total amount of the transfer amount and the transfer fee. Item 1. A transfer source account selection support system according to item 1. 3. When making a transfer to a bank account designated by the user, if the user has accounts in a plurality of banks, which bank account the transfer is most advantageous in and the user decides which is the most advantageous. In the transfer source account selection support method to be notified to, a plurality of accounts held by the user who holds the personal information data, the personal account information data, and the transfer fee data, in response to the transfer fee search request from the user. A transfer source account selection support method characterized by calculating and presenting a transfer fee from each of the above and information indicating whether or not each account has a total balance of the transfer amount and the transfer fee, based on the above-mentioned respective data. . 4. The information when an account whose balance is less than the total amount of the transfer amount and the transfer fee is to be transferred from another account of the user is presented. Item 3. A transfer source account selection support method according to item 3. 5. When transferring money to a bank account designated by a user by a request from a client terminal through a communication line, which bank account is used when the user has accounts in a plurality of banks. In the asset information collection / management server that provides an account aggregation service that informs the user of whether the fee is the most advantageous when making a transfer, the personal information data, the personal account information data, and the transfer fee data are retained and the request is made. It is possible to calculate and present the transfer fee for each of the plurality of accounts owned by the user who made the transaction, and information on whether or not each account has a total balance of the transfer amount and the transfer fee, based on the above information. A characteristic asset information collection and management server.