JP2004070833A - Transfer processing measures, transfer request device and account transfer system - Google Patents

Abstract

Provided is an account transfer system that can surely execute an account transfer when a deposit is distributed and deposited at a plurality of financial institutions.
When a customer of a company D pays a price using the company D by an account transfer, the company D requests the bank A to perform an account transfer of the price according to a priority specified in advance. Bank A transfers the money to Company D within a range not exceeding the balance of the customer's deposit account. If the full amount cannot be covered by the account transfer, the next-ranked Bank B, after receiving the notification of the shortage from Bank A, transfers the amount to Company D within a range not exceeding the balance of the customer's deposit account. Transfer. If the payment still cannot be made, the second-ranked C credit company receives the notification of the shortage from Bank B, checks the credit of the customer, and transfers the payment to Company D by cashing.
[Selection diagram] Fig. 1

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to an account transfer system for debiting a savings account set up at a financial institution, and more particularly to a technique for transferring an account from a savings account set up at a plurality of financial institutions.
[0002]
[Prior art]
Conventionally, in using a bank, a depositor has defined a bank called a so-called main bank, and has concentrated the deposit exclusively on the bank account. Then, it is a general usage method of financial institutions to designate the account and debit the utility charges and the like.
[0003]
Under such circumstances, the depositor's deposits were completely protected even if the financial institution went bankrupt, but the payoff system was lifted in April 2002 and the financial institution went bankrupt. In such a case, a system has been implemented in which the deposit insurance system replaces financial institutions and guarantees refunds up to a principal of 10 million yen and the corresponding interest.
[0004]
Under the pay-off system, if a financial institution goes bankrupt, the principal and interest exceeding ¥ 10 million will be subject to bankruptcy proceedings by the failed financial institution, and the deposit will be calculated at an approximate payment rate that takes into account the expected liquidation amount. Payment is made to the person. However, settlement deposits such as ordinary deposits and checking deposits will be extended for one year and will be fully protected until March 2003.
[0005]
As a result of the implementation of such a pay-off system, depositors are increasingly distributing and depositing with a plurality of financial institutions in case a financial institution fails. That is, the usage pattern of the conventional financial institution, in which a main bank is determined and an account is transferred from the account, such as withdrawing a public utility charge, is starting to change.
[0006]
[Problems to be solved by the invention]
However, when deposits are distributed to multiple financial institutions, the balance of each account will naturally decrease, and depending on the balance, it may be impossible for the account to transfer funds or other utilities. There is a problem of becoming high. In particular, when a large amount of account transfer is required, as in the case where the purchase price of the stock is paid by account transfer, there is a high possibility that the account transfer cannot be performed due to insufficient balance.
[0007]
The present invention has been made in view of the above problems, and has an account transfer system that can more reliably execute an account transfer when deposits are distributed and deposited at a plurality of financial institutions. The purpose is to provide.
[0008]
[Means for Solving the Problems]
In order to achieve the above object, a transfer processing device according to the present invention comprises: a transfer request receiving unit for receiving a transfer request via a network, the transfer request receiving unit including specification of a transfer request amount and a transfer destination; If the transfer request amount is larger than the transferable amount pertaining to the information, via a network, for another transfer processing device, by specifying the amount obtained by subtracting the transferable amount from the transfer request amount, It is characterized by comprising transfer request means for requesting transfer to the transfer destination, and transfer processing means for transferring a transfer money determined from the transferable amount and the transfer request amount to the transfer destination.
[0009]
If the funds are distributed to multiple financial institutions and the transfer request amount is larger than the transferable amount at any of the financial institutions, the transfer process could not be executed in the past. Although the processing has been completed, the transfer processing can be more reliably executed according to the present invention.
When the transfer processing device according to the present invention is applied to a bank or the like, the name specifying information is information for specifying a savings account, and the transferable amount is an amount that can be transferred from the savings account. Yes, the transfer may be made by an account transfer from the savings account to the transfer destination.
[0010]
In this way, even when the balance of the savings account is insufficient at the time of the account transfer, the shortage can be exchanged from another financial institution, so that the account transfer can be executed more reliably. In this case, the amount that can be transferred from the savings account may be the balance of the savings account.
When the transfer processing apparatus according to the present invention is applied to a credit company or the like, the name specifying information is information for specifying a holder who receives a loan, and the transferable amount is a credit amount for the holder. It is a loan limit approved by confirmation, and the transfer may be made by an account transfer to the transfer destination based on a loan to the holder.
[0011]
In this way, even if the transfer request amount exceeds the approved loan limit, the shortfall can be exchanged from another financial institution, so that the transfer can be executed more reliably. can do. Therefore, it is possible to more reliably settle the price or the like related to the transfer.
Here, the loan limit refers to the maximum amount of money that may be granted by credit check every time a loan is received from a credit company or the like. For example, if a credit card that can receive a loan up to 1,000,000 yen has already received a loan of 300,000 yen, the remaining 700,000 yen is the loan limit.
[0012]
An account transfer system according to the present invention is an account transfer system including a plurality of transfer processing devices as described above, wherein the plurality of transfer processing devices are assigned different priorities from each other, and The first transfer processing device first receives the transfer request, and each transfer processing device issues the transfer request to its next highest rank in the priority order. .
[0013]
That is, by installing the transfer processing device according to the present invention in a plurality of financial institutions and cooperating with each other, it is possible to more reliably execute the account transfer.
The transfer processing device according to the present invention is a transfer request receiving means for receiving a transfer request, including designation of a name specifying information, a transfer request amount, and a transfer destination via a network, and a transferable amount according to the name specifying information. Also, if the transfer request amount is larger, the transfer request amount minus the transferable amount, via a network, a shortage amount notifying unit that notifies the transfer requester via a network, the transferable amount And a transfer processing unit for transferring a transfer money determined from the transfer request amount to the transfer destination.
[0014]
In this way, even if the funds are distributed to a plurality of financial institutions and the transfer request amount is larger than the transferable amount at any of the financial institutions, the shortage amount is notified. By doing so, funds can be automatically transferred from a plurality of financial institutions. Therefore, it is possible to avoid a situation where the transfer is not performed at all, and to execute the transfer more reliably.
[0015]
When the transfer processing device according to the present invention is applied to a bank or the like, the name specifying information is information for specifying a savings account, and the transferable amount is an amount that can be transferred from the savings account. Yes, the transfer may be made by an account transfer from the savings account to the transfer destination.
In this way, even when the balance of the savings account is insufficient at the time of the account transfer, the shortage can be exchanged from another financial institution, so that the account transfer can be executed more reliably. In this case, the amount that can be transferred from the savings account may be the balance of the savings account.
[0016]
When the transfer processing apparatus according to the present invention is applied to a credit company or the like, the name specifying information is information for specifying a holder who receives a loan, and the transferable amount is a credit amount for the holder. It is a loan limit approved by confirmation, and the transfer may be made by an account transfer to the transfer destination based on a loan to the holder.
[0017]
In this way, even if the transfer request amount exceeds the approved loan limit, the shortfall can be exchanged from another financial institution, so that the transfer can be executed more reliably. can do. Therefore, it is possible to more reliably settle the price or the like related to the transfer.
The transfer request device according to the present invention is a transfer request device that requests a transfer to a plurality of transfer processing devices as described above, and for the transfer processing device, via a network, name identification information, a transfer request amount, Upon receiving a notification of the shortage amount from the first transfer request means for designating the transfer destination and requesting the transfer and the transfer processing device via the network, the shortage amount is designated as the transfer request amount, A second transfer requesting means for requesting a transfer processing device different from the transfer processing device notifying the shortage amount by designating the name specifying information and requesting transfer to a predetermined transfer destination. .
[0018]
Therefore, in a case where funds for transfer are distributed to a plurality of financial institutions equipped with the above-described transfer processing apparatus, even if one financial institution runs short of funds, Since the shortfall can be transferred from the financial institution, the transfer can be executed more reliably.
In this case, the plurality of transfer processing devices are assigned different priorities, and the first transfer request unit sends the transfer request to the highest-order transfer processing device in the priority order. The second transfer requesting means may request the transfer processing device, which is the next-to-lowest transfer processing device in the priority order, to be notified of the transfer shortage amount.
[0019]
An account transfer system according to the present invention includes a plurality of transfer processing devices as described above and a transfer request device as described above.
Further, in order to execute the transfer more reliably, it is preferable to combine transfer reservations. That is, the transfer processing device according to the present invention, via a network, with the designation of the transfer specification request amount and the transfer destination request amount, the transfer reservation request receiving means for receiving a transfer reservation request, A reserve money securing means for securing a reserve money with the transfer reserve available amount as an upper limit, and, when the transfer reserve required amount is larger than the transfer reserve available amount, to another transfer processing device via a network. A transfer reservation requesting means for requesting a transfer reservation to the transfer destination by specifying an amount obtained by subtracting the transfer reservation possible amount from the transfer reservation request amount, and a predetermined transfer destination of the reservation deposit via a network. And receiving a transfer request to transfer the reserved money to the transfer destination.
[0020]
If the funds are distributed to multiple financial institutions and the transfer request amount is larger than the transferable amount at any of the financial institutions, the transfer process could not be executed in the past. Although the transfer has been completed, if the transfer is reserved in advance as in the present invention, the transfer processing can be executed more reliably.
Further, when the transfer processing device according to the present invention is applied to a bank or the like, the name specifying information is information for specifying a savings account, and the transfer reservable amount is an amount of a deposit that can be secured in the savings account. This is the maximum amount, and the reservation money transfer means may transfer the reservation money by an account transfer from the deposit / saving account to the transfer destination.
[0021]
By doing so, even if the balance of the savings account is insufficient for the transfer and it is not possible to make a reservation for the transfer, the shortfall can be exchanged from another financial institution, so that the fund transfer can be executed more reliably. Can be. In this case, the maximum amount of the reservation money that can be secured in the savings account may be the balance of the savings account.
[0022]
Further, when the transfer processing device according to the present invention is applied to a credit company or the like, the name specifying information is information for specifying a holder who receives a loan, and the transfer reservable amount is the same as the name of the holder. This is the loan limit approved by the credit check, and the reservation money transfer means may transfer the reservation money by transferring the loan to the holder to the transfer destination.
[0023]
In this way, even if the transfer request amount exceeds the approved loan limit and it is not possible to make a transfer reservation, the shortfall can be accommodated by another financial institution, so Can be executed. Therefore, it is possible to more reliably settle the price or the like related to the transfer.
An account transfer system according to the present invention is an account transfer system including a plurality of transfer processing devices as described above, wherein the plurality of transfer processing devices are assigned different priorities, and in the priority order, The first transfer processing device receives the transfer request first, and each transfer processing device requests the transfer to the transfer processing device that is next to itself in the priority order.
[0024]
That is, by installing the transfer processing apparatus according to the present invention in a plurality of financial institutions and cooperating with each other, it is possible to more reliably execute the fund transfer reservation. Therefore, the account transfer can be executed more reliably.
A transfer processing device according to the present invention is a transfer reservation request receiving means for receiving a transfer reservation request via a network, which includes a name specification information, a transfer reservation request amount, and a specification of a transfer destination, and A reservation deposit securing means for securing a deposit with the transfer reservation available amount as an upper limit, and, when the transfer reservation required amount is larger than the transfer reservation available amount, deducting the transfer reservation available amount from the transfer reservation required amount. Shortage notifying means for notifying the transfer reservation request source to the transfer reservation requester via a network.
[0025]
In this way, even if the funds are distributed to a plurality of financial institutions and the transfer request amount is larger than the transferable amount at any of the financial institutions, the shortage amount is notified. By doing so, a transfer reservation can be automatically made at a plurality of financial institutions. Therefore, it is possible to avoid a situation where the transfer is not performed at all, and to execute the transfer more reliably.
[0026]
Further, when the transfer processing device according to the present invention is applied to a bank or the like, the name specifying information is information for specifying a savings account, and the transfer reservable amount is an amount of a deposit that can be secured in the savings account. This is the maximum amount, and the reservation money transfer means may transfer the reservation money by an account transfer from the deposit / saving account to the transfer destination.
[0027]
By doing so, even when the balance of the savings account is insufficient at the time of the account transfer, the shortage can be exchanged from another financial institution, so that the reservation of the account transfer can be made more reliably. In this case, the maximum amount of the reservation money that can be secured in the savings account may be the balance of the savings account. As described above, the object of the present invention of performing the transfer more reliably is achieved.
[0028]
Further, when the transfer processing device according to the present invention is applied to a credit company or the like, the name specifying information is information for specifying a holder who receives a loan, and the transfer reservable amount is the same as the name of the holder. This is the loan limit approved by the credit check, and the reservation money transfer means may transfer the reservation money by transferring the loan to the holder to the transfer destination.
[0029]
In this way, even if the requested amount of the transfer reservation exceeds the approved loan limit, the shortfall can be accommodated by another financial institution, so that the transfer can be made more reliably. You can make a reservation. Therefore, it is possible to more reliably settle the price or the like related to the transfer.
A transfer request device according to the present invention is a transfer request device for requesting a transfer to a plurality of transfer processing devices as described above, and the transfer processing device is provided with a name specifying information and a transfer reservation request amount via a network. The first transfer requesting means for requesting a transfer reservation by designating the transfer request and the transfer processing device, and when the shortage notification is received from the transfer processing device via the network, the shortage is designated as the transfer reservation request amount And second transfer requesting means for requesting a transfer processing device different from the transfer processing device notifying the shortage by designating the name specifying information and requesting a transfer to a predetermined transfer destination. It is characterized by.
[0030]
Therefore, in the case where the funds for the transfer reservation are distributed to a plurality of financial institutions having the above-described transfer processing device, even if the shortage of funds occurs in one financial institution, Since the shortage transfer reservation can be made from another financial institution, the fund transfer can be executed more reliably.
In this case, the plurality of transfer processing devices are assigned different priorities, and the first transfer request means requests the highest-order transfer processing device in the priority order for the transfer reservation request. Then, the second transfer requesting means may request the transfer processing to the transfer processing device that is next to the transfer processing device that has notified the transfer shortage amount in the priority order.
[0031]
An account transfer system according to the present invention includes a plurality of transfer processing devices as described above and the above-described transfer request device as described above.
[0032]
BEST MODE FOR CARRYING OUT THE INVENTION
An embodiment of a fund transfer system according to the present invention will be described with reference to the drawings.
[1] First Embodiment
[1-1] Overview of account transfer processing
FIG. 1 is a schematic diagram showing a series of procedures when an account transfer process is executed by an online account transfer system according to the present embodiment (hereinafter, simply referred to as “account transfer system”). In FIG. 1, a company D is a company that has a contract with a customer to perform payment by account transfer. The customer has deposit accounts at Bank A and Bank B, respectively, and has applied to Bank A, Bank B and Company D to transfer funds from the deposit accounts.
[0033]
FIG. 2 is a diagram illustrating an example of an account transfer request document that a customer should submit to Company D when applying for the account transfer. In the fund transfer request form, company D is designated as the request destination and the request date is entered. In addition, the name of the financial institution, the name of the branch, the branch number, and the account number are also entered in the corresponding columns for each deposit account for the account transfer.
Furthermore, for each such deposit account, the name or name and address or residence of the holder must be entered in the corresponding fields, and their readings must be entered in katakana. And it is the same as a normal application for bank transfer in that it is also required to seal each bank account with a seal notified to the financial institution.
[0034]
A characteristic of this application for fund transfer is that the customer must specify the priority for each deposit account and fill in the account identification items of the deposit account corresponding to the priority. The meaning of the priority is as follows. In addition, when designating a deposit account of the fourth or lower priority, the customer adds a predetermined account transfer request form and fills in those account specifying items.
[0035]
Further, the customer has applied to the C credit company and the D company for a contract to cover the purchase price of the D company by cashing from the C credit company. In addition, the customer has pre-designated priorities for Bank A, Bank B, C credit company, and Company D which define which bank or credit company should preferentially perform account transfer or cashing. . In this embodiment, Bank A has the highest priority, and C credit company is the last.
[0036]
By the way, when the customer of the company D uses the company D to generate a payment request, and this is covered by the account transfer, the account transfer is executed as follows. That is, the company D requests the bank A to transfer the money in accordance with the designated priority. Then, Bank A checks the balance of the customer's deposit account and transfers the money to Company D within a range not exceeding the balance. If the entire amount of the payment can be transferred by this account transfer, Bank A ends the process. If the entire amount cannot be covered by the account transfer, the shortage amount is notified to the bank B having the next priority.
[0037]
Bank B, notified of Bank A, checks the balance of the customer's deposit account and transfers the money to Company D within a range not exceeding the balance. When the entire amount of the payment can be transferred by the account transfer, Bank B ends the process. If the full amount cannot be covered by the account transfer, the shortage amount is notified to the C credit company having the next priority.
[0038]
The C credit company, which has been notified by the B bank, checks the credit of the customer and transfers the price notified to the D company by cashing. In this way, the payment of the price when the customer uses the company D is completed.
[1-2] System configuration and operation
FIG. 3 is a configuration diagram showing a configuration of the fund transfer system according to the present embodiment. As shown in FIG. 3, the account transfer system 1 includes an account management system A1 of Bank A, an account management system B1 of Bank B, a cashing management system C1 of C credit company, and a settlement system D1 of Company D via the Internet 10. Connected.
[0039]
Each system is a so-called computer system, which is connected to a plurality of input / output terminals in addition to a computer main body, and has a large-scale data storage for storing account management information and the like. Further, each system is connected to the Internet 10 by a network interface. Hereinafter, the operation of each system will be described along the flow of the account transfer processing described above.
[0040]
[1-2-1] Settlement system D1 of Company D
The settlement system D1 of the company D executes processing from registration of the contents of the order from the customer, management of the delivery status, request of the account transfer to each financial institution, and confirmation of payment for the account transfer. FIG. 4 is a functional configuration diagram showing a functional configuration of the settlement system D1, and particularly showing a function related to an account transfer process. As shown in FIG. 4, the settlement system D1 includes a multiple account setting unit D1a, an account transfer instruction unit D1b, an account transfer notification receiving unit D1c, a communication processing unit D1d, and an account transfer request unit D1e.
[0041]
The multiple account setting unit D1a is a functional element that receives input of the contents described in the above-mentioned account transfer request form and records the input data in a database. Upon receipt of the delivery completion notification, the account transfer instructing unit D1b issues an inquiry to the multiple account setting unit D1a regarding a deposit account to request an account transfer. In this inquiry, the account transfer instructing unit D1b requests the account specifying data of the highest priority account among the account accounts in the account transfer request data related to the delivery completion notification from the multiple account setting unit D1a. In response to the inquiry, the multiple account setting unit D1a returns the requested account specifying data to the account transfer instruction unit D1b.
[0042]
The account transfer instructing unit D1b, which has received the account specifying data from the multiple account setting unit D1a, passes the account specifying data to the account transfer requesting unit D1e and requests processing. The account transfer requesting unit D1e, which has received the account specifying data from the account transfer instructing unit D1b, sends the data to the financial institution (in this embodiment, Bank A) via the Internet 10 in accordance with the content of the account specifying data. In response, the user specifies a deposit account and amount, and requests a fund transfer.
[0043]
The account transfer notification receiving unit D1c receives a notification that the account transfer has been performed from the financial institution in response to the request of the account transfer requesting unit D1e, and confirms the completion of the account transfer. Send a notice of the completion of the debit and declare the end of all processing. Further, the communication processing unit D1d executes communication processing such as protocol processing required when the account transfer request unit D1e and the account transfer notification receiving unit D1c communicate with a financial institution via the Internet 10.
[0044]
Next, the operation of the settlement system D1 related to the account transfer process will be described. FIG. 5 is a flowchart showing an operation of the settlement system D1 of the company D, particularly, a processing flow relating to a fund transfer process. As shown in FIG. 5, when the settlement system D1 accepts the account transfer request data based on the account transfer request form (Step S100: Yes), the multiple account setting unit D1a registers the account transfer request data in the database. (Step S101).
[0045]
When the fund transfer request data has not been received (step S100: No) or after the registration of the fund transfer request data has been completed, the settlement system D1 confirms whether or not a notice of the delivery completion has been received by the fund transfer instruction unit D1b. I do. When the notification of the delivery completion is received (Step S102: Yes), the fund transfer instructing unit D1b issues an inquiry to the multiple account setting unit D1a to acquire the account specifying data related to the notification of the delivery completion (Step S102). S103).
[0046]
When the account transfer instructing unit D1b acquires the account specifying data from the multiple account setting unit D1a, the account transfer instructing unit D1b transfers the account specifying data to the account transfer requesting unit D1e and requests the account transfer requesting unit to request the account transfer. In response to this request, the account transfer requesting unit D1e notifies the financial institution relating to the received account specifying data of the data specifying the deposit account and the transfer amount, and requests the account transfer (step S104). Note that the request is executed via the Internet 10 using the communication processing unit D1d as described above.
[0047]
Thereafter, the fund transfer notification receiving unit D1c confirms whether a fund transfer notification has been received from a predetermined financial institution. If the notification of the account transfer has not been received (step S105: No), further wait for the notification of the account transfer. When the notification of the fund transfer is received (step S105: Yes), it is checked whether or not the entire amount of the transfer money related to the request for the fund transfer has been transferred by referring to the transfer amount related to the notification of the fund transfer.
[0048]
If the total sum of the amounts transferred in connection with the request for the account transfer is less than the total amount of the transfer related to the request for the account transfer (step S106: No), further wait for the notification of the account transfer. When the total sum of the amounts transferred in connection with the request for the account transfer reaches the total amount of the transfer related to the request for the account transfer (step S106: Yes), it is determined that the account transfer has been completed, Proceeding to step S100, the following processing is executed.
[0049]
[1-2-2] Bank A and Bank B Account Management Systems A1, B1
The account management system A1 of Bank A and the account management system B1 of Bank B have almost the same functional configuration and execute almost the same processing as far as the account transfer processing according to the present embodiment is concerned. In the following, the account management system A1 of Bank A will be described exclusively, and the account management system B1 of Bank B will also be described.
[0050]
FIG. 6 is a functional configuration diagram of the account management system A1 of Bank A, and particularly shows a function relating to the account transfer processing. As shown in FIG. 6, the account management system A1 includes a shortage amount calculation unit A1a, a debit processing unit A1b, an account transfer receiving unit A1c, a communication processing unit A1d, a lower account setting unit A1e, an account transfer instruction unit A1f, and an account transfer. A response unit A1g is provided.
[0051]
The communication processing unit A1d executes protocol processing and other communication processing for mutually communicating with the bank B and the company D via the Internet 10. The account transfer accepting unit A1c is a functional unit that receives a request for an account transfer from Company D, and receives a request for an account transfer from Bank A in a corresponding functional unit of Bank B. The debit processing unit A1b debits the transfer amount from the designated deposit account based on the request for the account transfer received by the account transfer receiving unit A1c.
[0052]
At the time of this debit, if the received transfer amount exceeds the balance of the designated deposit account, the debit processing unit A1b determines, as a transfer amount to the D company, an amount obtained by subtracting a commission such as an account transfer fee from the balance. It instructs the account transfer response unit A1g to transfer the amount of the transfer. The account transfer response unit A1g transfers the amount of money specified by the debit processing unit A1b to the account, and notifies the company D of the transfer amount related to the account transfer.
[0053]
The deficit amount calculation unit A1a calculates, as a deficit amount, an amount obtained by subtracting the debit amount transferred by the debit response unit A1g from the debit amount received by the debit reception unit A1c, and notifies the deficit amount to the debit instruction unit A1f. I do. When receiving the notification of the shortfall from the shortfall calculation unit A1a, the account transfer instruction unit A1f sends the account identification data to the lower-level account setting unit A1e in order to identify the financial institution for requesting the account transfer for the shortfall. Issue an inquiry.
[0054]
The lower-level account setting unit A1e is a functional part that performs the same function as the multiple-account setting unit D1a in the settlement system D1 of the company D. Is recorded in the database. In response to the inquiry, the lower-level account setting unit A1e, in response to the inquiry, specifies account information for specifying the highest-priority bank account among the bank accounts of the lower-priority level than the bank account. To the account transfer instruction section A1f.
[0055]
When receiving the account specifying data from the lower-level account setting unit A1e, the account transfer instructing unit A1f requests the financial institution relating to the account specifying data for the account transfer. It should be noted that the financial institution requesting the account transfer is not limited to a bank. In the present embodiment, when a shortfall occurs in Bank B, a transfer request is made to a financial institution other than the bank, such as C credit company.
[0056]
Next, the operation of the account management system A1 will be described. FIG. 7 is a flowchart showing the operation of the account management system A1 of Bank A, and particularly showing a processing flow relating to the account transfer processing. As shown in FIG. 7, when the account management system A1 receives account transfer request data based on an account transfer request form (step S200: Yes), the lower account setting unit A1e stores the account transfer request data in a database. Register (step S201).
[0057]
When the account transfer request data has not been received (step S200: No) or after the registration of the account transfer request data has been completed, the account management system D1 determines whether or not the account transfer request has been received by the account transfer receiving unit A1c. Confirm. When the request for the account transfer has been received (step S202: Yes), the account transfer receiving unit A1c notifies the debit processing unit A1b of the amount requested for the account transfer and requests the account transfer process.
[0058]
Upon receiving the request, the debit processing unit A1b debits the required amount from the designated deposit account as described above (step S203), and requests the debit response unit A1g for a debit transfer. The fund transfer responding unit A1g that has received the request executes the fund transfer, and notifies the company D that the fund transfer has been performed (step S204).
[0059]
Subsequently, the shortfall amount calculation unit A1a calculates the shortfall amount of the account transfer (step S205). If there is no shortage (step S206: No), the process proceeds to step S200 and waits for the next job. When a shortage occurs (Step S206: Yes), the shortage calculation unit A1a notifies the fund transfer instruction unit A1f of the calculated shortage.
[0060]
The account transfer instructing unit A1f having received the notification of the shortage amount makes an inquiry to the lower-level account setting unit A1e for the account specifying data, and acquires the account specifying data (step S207). Then, the account transfer instructing unit A1f requests the lower-priority financial institution (in the present embodiment, Bank B) for an account transfer in accordance with the acquired account specifying data (Step S208). After the processing in step S208, the account management system A1 proceeds to step S200 and waits for the next job.
[0061]
In the above description, a case has been described where there is a financial institution having a lower priority than the self. However, if there is no such financial institution, the account transfer instruction unit A1f indicates that fact. Account identification data will be obtained. In such a case, for example, the company D may be notified that the fund transfer has failed.
[0062]
[1-2-3] Cashing management system C1 of C credit company
Next, the cashing management system C1 of the C credit company will be described. FIG. 8 is a functional configuration diagram of the caching management system C1 of the C credit company, and is a functional configuration diagram particularly showing functions according to the present embodiment. As shown in FIG. 8, the cashing management system C1 includes a shortage amount calculating unit C1a, a credit confirmation processing unit C1b, an account transfer accepting unit C1c, a communication processing unit C1d, a lower account setting unit C1e, an account transfer instruction unit C1f, and a cashing. A response unit C1g is provided.
[0063]
The communication processing unit C1d executes communication processing such as protocol processing in order to communicate with another financial institution via the Internet 10. The fund transfer receiving unit C1c receives a request for bank transfer from Bank B. The credit confirmation processing unit C1b executes the credit confirmation of the customer based on the account transfer request received by the account transfer reception unit C1c, and executes the caching when the caching is approved.
[0064]
At the time of this credit check, when the received transfer amount exceeds the approved cashing limit, the credit check processing unit C1b determines the amount obtained by subtracting the cashing fee from the limit amount as the cashing amount to Company D. , And instructs the caching response unit C1g to cache the cashing amount. The caching response unit C1g caches the cashing amount specified by the credit confirmation processing unit C1b, and notifies the D company of the caching amount related to the caching.
[0065]
The shortage amount calculation unit C1a calculates an amount obtained by subtracting the amount cashed by the cashing response unit C1g from the transfer amount received by the account transfer reception unit C1c as a shortage amount, and notifies the shortage amount to the account transfer instruction unit C1f. When receiving the notification of the shortfall from the shortfall calculation unit C1a, the account transfer instruction unit C1f sends the lower account setting unit C1e to identify the financial institution for requesting the account transfer or cashing for the shortfall. Issue an account-specific data inquiry to it.
[0066]
The lower-level account setting unit C1e refers to the database in response to the inquiry from the account transfer instruction unit C1f, and returns account specifying data for specifying the next financial institution to the account transfer instruction unit C1f. When receiving the account specifying data from the lower-level account setting unit C1e, the account transfer instructing unit C1f requests the financial institution relating to the account specifying data for an account transfer.
[0067]
Next, the operation of the caching management system C1 will be described. FIG. 9 is a flowchart showing the operation of the cashing management system C1 of the C credit company, particularly showing a processing flow according to the present embodiment. As shown in FIG. 9, when the caching management system C1 receives caching request data based on a caching request form (step S300: Yes), the lower account setting unit C1e registers the caching request data in a database (step S300). Step S301).
[0068]
When the cashing request data has not been received (step S300: No) or after the registration of the cashing request data has been completed, the cashing management system C1 confirms whether or not a fund transfer request has been received by the fund transfer receiving unit C1c. . When the request for the account transfer has been received (step S302: Yes), the account transfer receiving unit C1c notifies the credit confirmation processing unit C1b of the amount requested for the account transfer, and requests the credit confirmation process.
[0069]
Upon receiving the request, the credit confirmation processing unit C1b executes a credit confirmation process (step S303), notifies the amount of the cashing approved, and requests the caching response unit C1g for caching. The caching response unit C1g that has received the request executes the caching, and notifies the company D that the caching has been executed (step S304).
[0070]
Subsequently, the shortfall amount calculation unit C1a calculates the shortfall amount of the account transfer (step S305). If there is no shortage (step S306: No), the process proceeds to step S300 and waits for the next job. When a shortage occurs (step S306: Yes), the shortage calculation unit C1a notifies the fund transfer instruction unit C1f of the calculated shortage.
[0071]
The account transfer instructing unit C1f having received the notification of the shortage amount inquires the account specifying data to the lower account setting unit C1e, and acquires the account specifying data for requesting the next financial institution to perform the account transfer. (Step S307). Then, the account transfer instruction unit C1f requests the next financial institution to perform an account transfer according to the acquired account specifying data (step S308).
[0072]
After the processing in step S308, the caching management system C1 proceeds to step S300 and waits for the next job. If there is no next financial institution, as in the case of the account management system A1, a notification that the caching has failed may be sent to the company D.
[1-3] Effects of the fund transfer system according to the present embodiment
With the above-described configuration, the fund transfer system according to the present embodiment can reliably transfer funds without bothering the depositor when funds are distributed and deposited at a plurality of financial institutions. Can be performed. That is, not only when there is a deposit balance sufficient to transfer an account to one deposit account, but also when there is no deposit balance sufficient to transfer an account to any of a plurality of designated deposit accounts. If the sum of the balances of these deposits has reached an amount sufficient to perform an account transfer, the account transfer is executed without fail.
[0073]
[2] Second embodiment
[2-1] Overview of account transfer processing
Next, a second embodiment of the present invention will be described. FIG. 10 is a schematic diagram showing a series of procedures when the fund transfer processing is executed by the fund transfer system according to the present embodiment. In FIG. 10, a company H is a company that has a contract with a customer to pay the price by account transfer. The customer has deposit accounts at Bank E and Bank F, respectively, and has applied to Bank E, Bank F, and Company H to transfer funds from the deposit accounts.
[0074]
In addition, the customer has applied to the G credit company and the H company for a contract to cover the purchase price in the H company by caching from the G credit company. In addition, the customer has designated company H in advance the order of priority for fund transfer or cashing. In the present embodiment, the E bank has the highest priority, and the G credit company has the lowest priority.
[0075]
By the way, when a customer of Company H uses Company H, and a payment request is made, and this is covered by account transfer, account transfer is executed as described below. That is, the company H first requests the bank E to perform the account transfer of the price in accordance with the priority specified by the customer. Then, Bank E checks the balance of the customer's deposit account and transfers the money to Company H within a range not exceeding the balance. When the entire amount of the payment has been successfully transferred by the account transfer, the bank E ends the process.
[0076]
If the entire amount cannot be covered by the account transfer, the company H notifies the next-level bank F of the shortage amount and requests the account transfer. Bank F checks the balance of the customer's deposit account and transfers the money to Company H within a range not exceeding the balance. When the entire amount of the payment can be transferred by the account transfer, Bank F ends the process.
[0077]
If the entire amount cannot be covered by the account transfer, the H company notifies the next G credit company of the shortage amount and requests the cashing. The G credit company confirms the credit of the customer and transfers the price notified to the H company by cashing. Thus, the payment of the price when the customer uses the company H is completed.
[0078]
[2-2] System configuration and operation
The structure of the account transfer system according to the present embodiment is the same as the structure of the account transfer system according to the first embodiment shown in FIG. The management system F1, the cashing management system G1 of the G credit company, and the settlement system H1 of the H company are connected via the Internet 10. Hereinafter, the operation of each system will be described along the flow of the account transfer process.
[0079]
[2-2-1] Settlement system H1 of Company H
FIG. 11 is a functional configuration diagram of the payment system H1, and particularly shows a function related to a fund transfer process. As illustrated in FIG. 11, the settlement system H1 includes a multiple account setting unit H1a, an account transfer instruction unit H1b, an account transfer notification receiving unit H1c, a communication processing unit H1d, and an account transfer request unit H1e. The settlement system H1 according to the present embodiment is characterized in that in addition to these, a shortage amount calculation unit H1f is provided.
[0080]
The multiple account setting unit H1a receives the input of the contents described in the account transfer request form and records it in the database. Upon receiving the delivery completion notification, the account transfer instructing unit H1b inquires of the multiple account setting unit H1a about the deposit account with the highest priority, which is a deposit account to request an account transfer. In this inquiry, the account transfer instruction unit H1b requests the account specifying data of the highest priority account among the account accounts in the account transfer request data related to the delivery completion notification from the multiple account setting unit H1a.
[0081]
In response to this inquiry, the multiple account setting unit H1a returns the requested account specifying data to the account transfer instruction unit H1b. The account transfer instructing unit H1b passes the account specifying data to the account transfer requesting unit H1e and requests processing. The account transfer requesting unit H1e, which has received the account specifying data from the account transfer instructing unit H1b, sends to the financial institution (in the present embodiment, Bank E) via the Internet 10 in accordance with the contents of the account specifying data. In response, the user specifies a deposit account and amount, and requests a fund transfer.
[0082]
Upon receiving a notification from the financial institution (here, Bank E) that the account transfer has been made in response to the request from the account transfer request unit H1e, the account transfer notification receiving unit H1c transfers the account transfer to the shortage amount calculation unit H1f. Notify the amount paid. The shortage amount calculation unit H1f calculates the amount obtained by subtracting the amount transferred by E-bank from the amount requested by the account transfer previously received from the account transfer instruction unit H1b, and notifies the amount to the account transfer instruction unit H1b.
[0083]
If the calculated amount is 0 yen, the fund transfer instruction unit H1b ends the fund transfer process. If the calculated amount is 1 yen or more, the account transfer request unit H1e inquires of the multiple account setting unit H1a about the next financial institution. Then, it notifies the account transfer request unit H1e of the account specifying data and the shortfall amount of the next financial institution (Bank F in the present embodiment) and causes the transfer to be performed.
[0084]
Then, in the event that a shortfall occurs even during this account transfer, the settlement system H1 requests the G cashing company to cache the shortfall according to the same procedure as above. Then, when the shortage amount becomes 0 yen, the account transfer instructing unit H1b ends the account transfer process.
Next, an operation related to the account transfer processing of the settlement system H1 will be described. FIG. 12 is a flowchart showing an operation of the settlement system H1, and particularly showing a processing flow relating to an account transfer process. As shown in FIG. 12, when the payment system H1 receives the fund transfer request data (step S400: Yes), the account transfer request data is registered in the database by the multiple account setting unit H1a (step S401).
[0085]
When the fund transfer request data has not been received (step S400: No), or after finishing the process of step S401, the fund transfer instruction unit H1b confirms whether or not a notification of the delivery completion has been received. If it is confirmed that the notification of the delivery completion has been received (Step S402: Yes), the account transfer instructing unit H1b sends the account from the multiple account setting unit H1a to instruct the account transfer related to the notification of the delivery completion. The specific data is obtained (step S403).
[0086]
Upon acquiring the account specifying data, the account transfer instructing unit H1b notifies the account specifying data and the transfer amount, and causes the account transfer requesting unit H1e to request an account transfer (step S404). After that, when receiving the transfer notice from the predetermined financial institution (Step S405: No), the transfer notice receiving unit H1c further waits for the transfer notification. When the notification of the account transfer is received (Step S405: Yes), the transfer amount related to the notification of the account transfer is notified to the shortage amount calculation unit H1f, and the shortage amount is calculated (Step S406).
[0087]
If the shortage amount is 1 yen or more (step S407: Yes), the settlement system H1 executes the above-described step S403 and the like for the next-ranked account specifying data. If the shortage amount is 0 yen (Step S407: No), the account transfer process is terminated, and the process proceeds to Step S400. It should be noted that also in the case of No in step S402, the process proceeds to step S400, and the following processing is executed.
[0088]
[2-2-2] Bank E and F bank account management systems E1, F1
Since the account management system E1 of Bank E and the account management system F1 of Bank F are almost the same as far as the account transfer processing according to the present embodiment is concerned, only the account management system E1 will be described below. FIG. 13 is a diagram illustrating a functional configuration of the account management system E1. As shown in FIG. 13, the account management system E1 includes an account transfer reception unit E1a, a debit processing unit E1b, an account transfer response unit E1c, and a communication processing unit E1d.
[0089]
The communication processing unit E1d executes communication processing necessary for mutual communication with the H company via the Internet 10. The fund transfer receiving unit E1a receives a request for fund transfer from Company H. If the requested transfer amount exceeds the balance of the designated deposit account, the debit processing unit E1b transfers the account transfer amount to the company H by deducting an amount obtained by subtracting a commission such as an account transfer fee from the balance. An instruction is given to the unit E1c. The account transfer responding unit E1c executes the instructed account transfer, and notifies the company H of the amount of the transfer.
[0090]
Next, the operation of the account management system E1 will be described. FIG. 14 is a flowchart illustrating the flow of the process of the account management system E1. As shown in FIG. 14, when the account transfer receiving unit E1a of the account management system E1 receives the request for the account transfer (Step S500: Yes), it notifies the debit processing unit E1b of the transfer amount and requests the account transfer process. I do.
[0091]
The debit processing unit E1b debits the designated amount from the deposit account (step S501), and requests the debit response unit E1c for a debit. The fund transfer responding unit E1g, which has received the request, executes the fund transfer and notifies the H company to that effect (step S502). In the case of No at step S500, or after the processing of step S502, the account management system E1 proceeds to step S500 and waits for the next account transfer request.
[0092]
[2-2-3] Cashing management system G1 of G credit company
Next, the cashing management system G1 of the G credit company will be described. FIG. 15 is a diagram illustrating a functional configuration of the caching management system G1. As shown in FIG. 15, the caching management system G1 includes an account transfer receiving unit G1a, a credit confirmation processing unit G1b, a caching response unit G1c, and a communication processing unit G1d.
[0093]
The communication processing unit G1d executes communication processing including protocol processing necessary for communicating with another financial institution via the Internet 10. The fund transfer receiving unit G1a receives a request for fund transfer from the settlement system H1 of the company H via the communication processing unit G1d.
When the requested amount exceeds the credit-confirmed caching limit, the credit confirmation processing unit G1b sets the amount obtained by subtracting the cashing-related fee from the limit amount as the cashing amount to the H company, Allow G1g to cache. The caching response unit G1g executes the caching and notifies the H company of the execution.
[0094]
Next, the operation of the caching management system G1 will be described. FIG. 16 is a flowchart showing the flow of the processing of the caching management system G1. As shown in FIG. 16, when the fund transfer receiving unit G1a of the cashing management system G1 receives a request for a fund transfer (step S600: Yes), the fund transfer receiving unit G1a is requested by the credit confirmation processing unit G1b to perform a bank transfer. Notify the amount paid and request a credit check.
[0095]
The credit confirmation processing unit G1b executes a credit confirmation process (step S601), notifies the approved cashing amount to the caching response unit G1c, and requests caching. The caching response unit G1c executes caching, and notifies the H company of the execution (step S602). If No in step S600, or after the processing in step S602, the caching management system G1 proceeds to step S600, and waits for the next account transfer request.
[0096]
[2-3] Effect of Fund Transfer System According to Embodiment
With the above-described configuration, as in the first embodiment, it is possible to surely execute the account transfer when the deposits are distributed and deposited at a plurality of financial institutions. Further, in the present embodiment, the effect is realized only by the function of the side for requesting the account transfer, so that the processing load required for the system of the financial institution for which the account transfer is requested is small. It is.
[0097]
As described above, the present invention has been described based on the embodiments. However, the present invention is not limited to the above embodiments, and the following modified examples can be implemented.
[3] Modified example
(1) In the above embodiment, the company D or company H, which sells products and settles the price, has been described as an example, but the application of the present invention is not limited to such fields. For example, the following application form may be adopted.
[0098]
That is, the present invention may be applied to settlement processing related to securities transactions. FIG. 17 is a schematic diagram illustrating an application form according to the present modification. As shown in FIG. 17, when the user places an order to buy stock at K Securities Company and the contract is executed, the K Securities Company changes the financial institution designated by the user (in this modified example, Bank I, Bank J Etc.) to transfer the amount of money equivalent to the contract price. The financial institution that has received the request for the account transfer executes the account transfer processing according to the same processing flow as in the above embodiment.
[0099]
In this case, in order to make the settlement of the contract price more reliable, the following may be performed. That is, at the point of receiving a stock purchase order from a user, K Securities Co., Ltd. does not wait for the terms and conditions of the purchase order to be fulfilled, Request an appointment for a fund transfer of the expected contract price.
[0100]
The financial institution that has been requested to make a fund transfer reservation refers to the balance of the pre-specified deposit account, and the amount requested to add the fund transfer reservation plus the fee required for fund transfer, or the balance When the amount is less than the amount, the balance amount is secured as a deposit for fund transfer.
The financial institution holds the secured deposit amount for the fund transfer in the deposit account until a request for fund transfer from K securities company or a notice of cancellation of the reservation is received. If the deposit account balance of a higher priority financial institution is less than the amount requested for fund transfer reservation plus the fee required for fund transfer, the lower The institution is requested to make a reservation for fund transfer.
[0101]
By doing so, not only can the effects of the present invention be achieved, but also the K securities company can more reliably execute the settlement of the contract price. In addition, such reservations for fund transfer are not limited to securities transactions, and even in cases other than securities transactions, if payment is settled by account transfer, the settlement must be executed more reliably. Is effective in
[0102]
(2) The following are also conceivable as application forms of the present invention. In other words, in the case where the merchandise is purchased continuously from a specific mail-order company and the intermediary contractor undertakes delivery of the product and receipt of the price, the present invention is applied to the receipt of the price of the intermediary. May be applied.
FIG. 18 is a schematic diagram illustrating an application form according to the present modification. As shown in FIG. 18, when a user applies for purchase of a product to an O mail order company, the O mail order company requests a P intermediary company to deliver the product to the user. Upon receiving the product from the O mail order company, the P intermediary delivers the product to the user who has applied for the purchase of the product.
[0103]
Then, the P intermediary sends an account corresponding to the price of the product to the financial institution designated by the user (in this modified example, L bank, M bank, N credit company. Request a transfer. The financial institution that has received the request for the account transfer executes the account transfer processing according to the same processing flow as in the above embodiment. The P intermediary company pays the O mail order company for the portion of the price paid by the account transfer that should be received by the O mail order company, and ends the series of transactions.
[0104]
In this way, the user of the O mail order company can not only enjoy the effect of the present invention, but also pays the price when the goods purchased by mail order are delivered. For example, it is possible to avoid the inconvenience of having to prepare cash at a delivery destination of a product.
In addition, since the P intermediary does not need to give or receive the price for delivery, it is free from the inconvenience of carrying a large amount of change which may be required for the delivery / delivery as before in the delivery. And, needless to say, since the price of the product is definitely settled, it is possible to save the trouble of taking the product home due to the lack of cash at the delivery destination.
[0105]
(3) Regarding the application form of the present invention, the following can be considered. That is, at present, when accepting the enrollment, the credit card company accepts only the designation of one payment account and setstle the payment of the credit card from the payment account.
This payment account is limited to the name of the applicant, and in the case of a deposit account of a private financial institution, a bank, a shinkin bank, a credit union, a labor union, an agricultural cooperative, or a fishery cooperative is designated. The application is made. In addition, at the time of this designation, the branch or branch office of the private financial institution, the distinction between savings account or current account, and designation of the account number are also performed.
[0106]
When a postal savings account is designated as a payment account, an application is made in which a passbook symbol and a passbook number are designated.
Therefore, if the cardholder's funds are distributed to multiple financial institutions by the introduction of the payoff system, the cardmember will designate it as a payment account, reduce the balance in the savings account, and settle the payment for the credit card. The probability of stagnation increases. As a result, the credit card company will not be able to obtain a charge for using the credit card, and there is a high possibility that the card member will not be able to use the credit card.
[0107]
On the other hand, a credit card company adopts the present invention, accepts designation of a plurality of savings accounts and their priorities when applying for membership, and designates a credit card according to the priorities. If the transfer of the usage fee is executed, the possibility of occurrence of the inconvenience as described above can be reduced, and the usage fee of the credit card can be more reliably collected.
[0108]
Also, the card member can reduce the possibility that the inconvenience that the credit card cannot be used occurs while avoiding the risk associated with the introduction of the payoff system by dispersing the funds.
In this case, the effects of the present invention can be obtained even if the first embodiment or the second embodiment is adopted.
[0109]
In addition, if a credit card company adopts the present invention, a business that collects various payments from customers by account transfer can collect multiple payments through the credit card company. This is even more preferable because it is possible to significantly reduce capital investment as compared with a case where a system for executing an account transfer from an account is constructed by itself.
[0110]
For example, tuition paid to an educational institution such as a kindergarten or school is often settled by account transfer from an account opened at a financial institution designated by the educational institution (often the main bank of the educational institution). . For this reason, parents, such as school children, have to open a new account only for paying school fees, and the management of assets is complicated.
[0111]
Even in such a case, the above arrangement is advantageous in that parents and the like can easily manage assets and also reduce the possibility of delinquent tuition for educational institutions.
(4) In the above-described embodiment, a case has been described where the priority of the financial institution is exclusively designated by the customer. However, the following may be used instead.
[0112]
That is, it is assumed that the customer only designates a financial institution (deposit account) for fund transfer, and does not designate the priority of the financial institution. Then, the priority of these financial institutions may be determined by referring to the interest rate of the deposit account or the cashing rate of each financial institution on the side requesting the account transfer.
In this case, if a bank with a lower interest rate is given a higher priority for a deposit account, and a credit company with a lower interest rate is given a higher priority for a credit company, the customer will be able to generate more interest on the deposit account. It is excellent in fund management because you can leave more money in your account and get loans from credit companies with lower interest rates.
[0113]
Further, as a condition other than the interest rate, the priority may be determined based on the balance of the designated deposit account, or the priority may be determined based on the soundness of the financial institution. Payoffs are limited to bankrupt financial institutions, and deposits are safe as long as you are trading with a healthy financial institution. If it is appropriated, customers can keep their funds more secure.
[0114]
In general, the situation in which a financial institution goes bankrupt can be broadly divided into two types: excess debt and reduced ability to pay debts. Excess debt refers to a situation where the equity ratio is negative. In other words, the debt exceeds the bonds held in the books, and this is caused by the prolonged deficit of the financial institution and the reversal of equity.
[0115]
In addition, the decline in debt-paying ability means that financial institutions are stuck in managing funds and cannot actually make deposits or insurance payments, resulting in an increase in non-profitable assets and uncollectible loans. This is the case where the funds available for payment are reduced or insufficient.
An index showing the soundness of such a financial institution is the equity ratio. In the case of the above debt excess, the equity ratio will be negative. Focusing on this, when determining the priority of financial institutions, if financial institutions with lower capital ratios are given higher priority and financial institutions with higher capital ratios are given lower priority, , Can increase the security of customer funds.
[0116]
In addition, the priority may be determined in accordance with the convenience of the client in managing the assets and the convenience in using the financial institution. According to the convenience in asset management, for example, if you can receive a loan of funds at a low interest rate because you have a time deposit account at the same financial institution together with the deposit account used for fund transfer Make the savings account higher priority, lower the priority of such inconvenient savings account, and so on.
[0117]
Depending on the convenience of using a financial institution, or in savings and savings accounts that often draw out the necessary funds in everyday life, it is convenient to keep savings and savings, such a savings account , Or the priority of a savings account with a large inflow of funds, such as a salary transfer account, is made higher.
[0118]
In such a case, a business operator or the like executing the account transfer from a plurality of accounts by adopting the present invention receives information for determining the priority order from the payer in advance, or transmits such information at any time. By receiving the service, it is possible to provide a service of changing the priority of the savings account and improving the convenience of the payer.
[0119]
It should be noted that the effects of the present invention can be obtained regardless of how the priority is determined.
(5) Although not particularly mentioned in the above embodiment, when exchanging funds through an open network such as the Internet, security measures are required at all. As such a security measure, for example, an SSL protocol (Security Sockets Layer Version 3.0) for performing authentication using an electronic certificate is known. Therefore, when implementing the present invention, if the above security measures are taken together, the transfer of funds through the network can be performed more safely.
[0120]
In addition, when a particularly high security is required, if a dedicated line is installed, it is physically isolated from other networks such as the Internet, so that the security can be further enhanced.
[0121]
【The invention's effect】
As described above, according to the present invention, even when funds are distributed and deposited at a plurality of financial institutions due to the lifting of the ban on the payoff system, it is possible to perform an account transfer using the funds. Therefore, it is possible to reliably process the account transfer such as the purchase price of the product, the payment of the utility charge, the settlement of the contract price of the securities transaction, and the like with less trouble.
[0122]
Further, according to the above, the account transfer destination from each financial institution is the company or the like that has requested the account transfer. Therefore, the company is also recorded in the transaction history of the deposit account of the account transfer source, so that when the depositor refers to the transaction history, it is easy to know where the account transfer destination such as the payment is. .
On the other hand, for example, in the debit processing method disclosed in Japanese Patent Application Laid-Open No. 2002-133128, in order to accommodate the shortfall of the account transfer between the financial institutions, the account transfer destination recorded in the transaction history is It becomes. For this reason, it is difficult for the depositor to know the cause of the account transfer when referring to the transaction history, which is extremely inconvenient compared to the present invention.
[0123]
For example, when the balance of the deposit account related to the account transfer at the bank X is less than the amount requested for the account transfer, the shortage of the account transfer from the previously designated bank account of another bank (hereinafter referred to as bank Y). The technique disclosed in the steam official gazette is to respond to a bank account transfer request made to X bank by transferring the amount of money to the bank X's deposit account.
[0124]
In this case, only the account transfer request from Bank X is recorded in the account of Bank Y as the transaction history, and the account transfer request was issued to Bank X. Since it is not recorded, inconvenience arises in the account management of the deposit account of Bank Y.
On the other hand, according to the present invention, even in the case described above, the origin of the account transfer and the amount of the account transfer are recorded as the account history for each of Bank X and Bank Y. Therefore, the flow of funds is highly transparent, which is convenient for the depositor in managing the deposit account.
[Brief description of the drawings]
FIG. 1 is a schematic diagram showing a series of procedures when an account transfer process is executed by an online account transfer system according to a first embodiment.
FIG. 2 is a diagram illustrating an example of a fund transfer request form to be submitted to a company D by a customer when applying for a fund transfer according to the first embodiment;
FIG. 3 is a system configuration diagram showing a system configuration of a fund transfer system according to the first embodiment.
FIG. 4 is a functional configuration diagram of a settlement system D1 according to the first embodiment, particularly showing a function related to an account transfer process.
FIG. 5 is a flowchart showing an operation of the settlement system D1 according to the first embodiment, in particular, a processing flow relating to an account transfer process.
FIG. 6 is a functional configuration diagram of the account management system A1 according to the first embodiment, particularly showing a function relating to an account transfer process.
FIG. 7 is a flowchart showing an operation of the account management system A1 according to the first embodiment, particularly showing a processing flow relating to an account transfer process.
FIG. 8 is a functional configuration diagram of the caching management system C1 according to the first embodiment, particularly showing a function according to the first embodiment;
FIG. 9 is a flowchart showing an operation of the caching management system C1 according to the first embodiment, particularly showing a processing flow according to the first embodiment;
FIG. 10 is a schematic diagram showing a series of procedures when an account transfer process is executed by the account transfer system according to the second embodiment.
FIG. 11 is a functional configuration diagram of a settlement system H1 according to a second embodiment, particularly showing a function related to an account transfer process.
FIG. 12 is a flowchart showing an operation of the settlement system H1 according to the second embodiment, in particular, a processing flow relating to an account transfer process.
FIG. 13 is a functional configuration diagram showing a functional configuration of an account management system E1 according to a second embodiment.
FIG. 14 is a flowchart illustrating a flow of processing of an account management system E1 according to the second embodiment.
FIG. 15 is a functional configuration diagram illustrating a functional configuration of a caching management system G1 according to the second embodiment.
FIG. 16 is a flowchart illustrating a processing flow of a caching management system G1 according to the second embodiment.
FIG. 17 is a schematic diagram showing a case where the present invention is applied to a settlement process of a securities transaction according to a modified example (1).
FIG. 18 is a schematic diagram showing a case where the present invention is applied to a mail-order sales settlement process according to a modified example (2).
[Explanation of symbols]
1 ……………………………… Online debit system
10 ……………………………… The Internet
A1, B1, E1 ……………………………………… Account management system
C1, G1 …………………………… Caching management system
D1, H1 ………………………………………………… Settlement system
D1a, H1a ……………………………………………………… Multiple Account Setting Section
A1f, C1f, D1b, H1b ................. Bank transfer instruction section
D1c, H1c …………………………………….
A1d, C1d, D1d, E1d, G1d, H1d ... communication processing unit
D1e, H1e ………………………….
A1a, C1a, H1f.........
A1b, E1b ..................... Deduction processing unit
A1c, C1c, E1a, G1a ............................
A1e, C1e ……………………………… Lower account setting section
A1g, E1c ……………………… Fund transfer responding section
C1b, G1b...........
C1g, G1c …………………… Caching responder

Claims (24)

A transfer request receiving means for receiving a transfer request, including designation of name-specific information, a transfer request amount, and a transfer destination via a network;
If the transfer request amount is larger than the transferable amount pertaining to the name identification information, specify an amount obtained by subtracting the transferable amount from the transfer request amount to another transfer processing device via a network. Transfer request means for requesting a transfer to the transfer destination,
A transfer processing device, comprising: transfer processing means for transferring a transfer money determined from the transferable amount and the transfer request amount to the transfer destination. The name specifying information is information for specifying a savings account,
The transferable amount is an amount that can be transferred from the savings account,
2. The transfer processing device according to claim 1, wherein the transfer is performed by an account transfer from the savings account to the transfer destination. 3. The transfer processing device according to claim 2, wherein the amount that can be transferred from the savings account is the balance of the savings account. The name specifying information is information for specifying a holder who receives a loan,
The transferable amount is a loan limit approved by a credit check for the holder,
2. The transfer processing device according to claim 1, wherein the transfer is performed by an account transfer to the transfer destination based on a loan to the holder. 3. An account transfer system comprising a plurality of the transfer processing devices according to claim 1,
The plurality of transfer processing devices are assigned different priorities,
In the priority order, the highest-order transfer processing device first receives the transfer request,
An account transfer system, wherein each transfer processing device requests the transfer to a transfer processing device that is next to itself in the priority order. A transfer request receiving means for receiving a transfer request, including designation of name-specific information, a transfer request amount, and a transfer destination via a network;
When the transfer request amount is larger than the transfer amount pertaining to the name identification information, a shortage of notifying the transfer request source via the network of the transfer request amount minus the transfer amount to the requester of the transfer. Amount notification means,
A transfer processing device, comprising: transfer processing means for transferring a transfer money determined from the transferable amount and the transfer request amount to the transfer destination. The name specifying information is information for specifying a savings account,
The transferable amount is an amount that can be transferred from the savings account,
7. The transfer processing apparatus according to claim 6, wherein the transfer is performed by an account transfer from the savings account to the transfer destination. The transfer processing apparatus according to claim 7, wherein the amount that can be transferred from the savings account is the balance of the savings account. The name specifying information is information for specifying a holder who receives a loan,
The transferable amount is a loan limit approved by a credit check for the holder,
7. The transfer processing apparatus according to claim 6, wherein the transfer is performed by an account transfer to the transfer destination based on a loan to the holder. A transfer request device that requests a transfer from the plurality of transfer processing devices according to claim 6,
A first transfer requesting unit for requesting a transfer by specifying the name specifying information, the transfer request amount, and the transfer destination to the transfer processing device via a network;
When the notification of the shortage is received from the transfer processing device via the network, the shortage is designated as the transfer request amount, and the name specifying information is specified to be different from the transfer processing device that has notified the shortage. A transfer request device, comprising: a second transfer request unit that requests the transfer processing device to transfer to a predetermined transfer destination. The plurality of transfer processing devices are assigned different priorities,
The first transfer requesting unit requests the highest-order transfer processing device for the transfer in the priority order,
11. The transfer request unit according to claim 10, wherein the second transfer request unit requests the transfer to a transfer processing device that is next to the transfer processing device that has notified the transfer shortage amount in the priority order. 12. Transfer request device as described. A plurality of transfer processing devices according to claim 6,
An account transfer system comprising: the transfer request device according to claim 10. Transfer reservation request receiving means for receiving a transfer reservation request via the network, including designation of the name specifying information, the transfer reservation request amount, and the transfer destination;
A reservation money securing means for securing a reservation money up to the transfer reservable amount pertaining to the name specific information,
If the transfer reservation request amount is larger than the transfer reservation possible amount, specify the amount obtained by subtracting the transfer reservation possible amount from the transfer reservation request amount to another transfer processing device via a network. Transfer requesting means for requesting a transfer reservation to the transfer destination,
A transfer processing device, comprising: a transfer unit for transferring the reserve money to the transfer destination when receiving a transfer request of the reserve money to a predetermined transfer destination via a network. The name specifying information is information for specifying a savings account,
The transfer reservation possible amount is the maximum amount of the reservation deposit that can be secured in the savings account,
14. The transfer processing apparatus according to claim 13, wherein the reservation money transfer means transfers the reservation money by transferring an account from the deposit / saving account to the transfer destination. The transfer processing apparatus according to claim 14, wherein the maximum amount of the reservation money that can be secured in the savings account is the balance of the savings account. The name specifying information is information for specifying a holder who receives a loan,
The transfer reservation possible amount is a loan limit approved by a credit check for the holder,
14. The transfer processing apparatus according to claim 13, wherein the reservation money transfer unit transfers the reservation money by transferring a loan to the holder to the transfer destination. An account transfer system comprising a plurality of the transfer processing devices according to claim 13,
The plurality of transfer processing devices are assigned different priorities,
In the priority order, the highest-order transfer processing device first receives the transfer request,
An account transfer system, wherein each transfer processing device requests the transfer processing from a transfer processing device that is next to itself in the priority order. A transfer reservation request receiving means for receiving a transfer reservation request via a network, including a name specifying information, a transfer reservation request amount, and a designation of a transfer destination;
A reservation money securing means for securing a reservation money up to the transfer reservable amount pertaining to the name specific information,
When the transfer reservation request amount is greater than the transfer reservation possible amount, a shortage of notifying the transfer reservation request amount to the transfer reservation request source via a network by subtracting the transfer reservation possible amount from the transfer reservation request amount. A transfer processing device comprising: an amount notifying unit. The name specifying information is information for specifying a savings account,
The transfer reservation possible amount is the maximum amount of the reservation deposit that can be secured in the savings account,
19. The transfer processing apparatus according to claim 18, wherein the deposit transfer means transfers the deposit by an account transfer from the savings account to the transfer destination. 20. The transfer processing device according to claim 19, wherein the maximum amount of the reservation money that can be secured in the savings account is the balance of the savings account. The name specifying information is information for specifying a holder who receives a loan,
The transfer reservation possible amount is a loan limit approved by a credit check for the holder,
19. The transfer processing apparatus according to claim 18, wherein the reservation money transfer unit transfers the reservation money by transferring a loan to the holder to the transfer destination. A transfer request device for requesting a transfer from the plurality of transfer processing devices according to claim 18,
A first transfer requesting means for requesting a transfer reservation by specifying the name specifying information, the transfer reservation request amount, and the transfer destination to the transfer processing device via a network;
When a notification of the shortage is received from the transfer processing device via the network, the transfer processing device that specifies the shortage as the transfer reservation request amount and specifies the name specifying information and notifies the shortage amount is A transfer request device, comprising: a second transfer request unit that requests a different transfer processing device to make a transfer reservation to a predetermined transfer destination. The plurality of transfer processing devices are assigned different priorities,
The first transfer requesting means requests the transfer processing device to the highest-order transfer processing device in the priority order,
23. The transfer requesting device according to claim 22, wherein the second transfer requesting unit requests the transfer processing device, which is next to the transfer processing device that has notified the transfer shortage amount, in the priority order, of the transfer reservation. The transfer request device according to 1. A plurality of transfer processing devices according to claim 18,
An account transfer system comprising: the transfer request device according to claim 22.

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