JP2004287933A - System for warrantying banking transaction - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To warranty transactions at the account of a transfer destination even when a transfer or withdraw to be requested in advance is made in failure due to the interference of a bank system in a system for warrantying transactions between banks. <P>SOLUTION: A transfer advance notice notifying part 22 of a transfer source bank server 20 transmits a transfer request as a transfer advance notice to a transfer destination bank server 30. In a transfer destination bank server 30, a transfer confirming part 33 confirms whether the transfer has been performed as the transfer advance notice is notified, and a loan determining part 36 further determines a loan within the range of a transfer amount of the transfer advance notice when the transfer destination account when the transfer has not been performed does not have sufficient funds and also charges the transfer source bank side for a loan charge. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to a system for guaranteeing a transaction between banks, and more particularly to a system for guaranteeing a transaction in a transfer destination account even if a transfer or debit requested in advance fails due to a bank system failure.
[0002]
[Prior art]
An object of the present invention is to minimize a problem in a case where a transfer or debit fails in a transaction between banks. The most serious problem in such a situation is a failure in the transaction such as withdrawal or debit from the account that was scheduled to be transferred.
[0003]
Japanese Patent Application Laid-Open No. 2002-041785 discloses a "proxy payment system" as a technique for utilizing a notice of a transaction. This system is connected to an RTGS (immediate settlement) system provided by the Bank of Japan to provide a proxy for a customer. It is a proxy payment system that performs payment, and is configured to receive a payment schedule statement indicating payment details and to perform proxy payment when it is approved later, and does not correspond to a transfer failure or the like.
[0004]
[Patent Document 1]
JP-A-2002-041785
[Problems to be solved by the invention]
The present invention has been made in order to eliminate the above-mentioned drawbacks of the prior art, and aims at a system for guaranteeing transactions between banks, which has been requested in advance due to a bank system failure. An object of the present invention is to guarantee a transaction in a transfer destination account even when a transfer or debit has failed.
[0006]
[Means for Solving the Problems]
The bank transaction guarantee system according to the present invention comprises:
A bank transaction guarantee system comprising a transfer source bank server and a transfer destination bank server,
The transfer source bank server
(1) a transfer request receiving unit for inputting a transfer request,
(2) a transfer notice notification unit for transmitting the transfer request as a transfer notice to a transfer destination bank server;
The transfer destination bank server
(3) a transfer notice receiving unit that receives the transfer notice;
(4) a transfer confirmation unit for confirming that the transfer has been executed as described in the transfer notice,
(5) When there is a shortage of funds in the transfer destination account where the transfer has not been made, a loan determination unit that determines a loan within the range of the transfer amount of the transfer notice is provided.
[0007]
The bank transaction guarantee system according to the present invention comprises:
A bank transaction guarantee system comprising a transfer source bank server and a transfer destination bank server,
The transfer source bank server
(1) a transfer request receiving unit for inputting a transfer request,
(2) a transfer notice notification unit for transmitting the transfer request as a transfer notice to a transfer destination bank server;
(3) a transfer-impossible information transmitting section that transmits transfer-impossible information when the transfer cannot be executed as described in the transfer notice,
The transfer destination bank server
(4) a transfer notice receiving unit that receives the transfer notice,
(5) a transfer-impossible information receiving unit that receives the transfer-impossible information;
(6) When there is a shortage of funds in the transfer destination account specified in the transfer notice specified by the transfer prohibition information, a loan determination unit that determines a loan within the transfer amount of the transfer notice is provided. It is characterized by.
[0008]
The bank transaction guarantee system according to the present invention comprises:
A bank transaction guarantee system comprising a transfer source bank server and a transfer destination bank server,
The transfer source bank server
(1) Withdrawal request receiving unit for inputting a withdrawal request,
(2) a transfer notice notification unit for transmitting the debit request as a transfer notice to a transfer destination bank server;
The transfer destination bank server
(3) a transfer notice receiving unit that receives the transfer notice;
(4) a transfer confirmation unit for confirming that the transfer has been executed as described in the transfer notice,
(5) When there is a shortage of funds in the transfer destination account where the transfer has not been made, a loan determination unit that determines a loan within the range of the transfer amount of the transfer notice is provided.
[0009]
The bank transaction guarantee system according to the present invention comprises:
A bank transaction guarantee system comprising a transfer source bank server and a transfer destination bank server,
The transfer source bank server
(1) Withdrawal request receiving unit for inputting a withdrawal request,
(2) a transfer notice notification unit that transmits the debit request as a transfer notice to a transfer destination bank server;
(3) a transfer-impossible information transmitting section that transmits transfer-impossible information when the transfer cannot be executed as described in the transfer notice,
The transfer destination bank server
(4) a transfer notice receiving unit that receives the transfer notice,
(5) a transfer-impossible information receiving unit that receives the transfer-impossible information;
(6) When there is a shortage of funds in the transfer destination account specified in the transfer notice specified by the transfer prohibition information, a loan determination unit that determines a loan within the transfer amount of the transfer notice is provided. It is characterized by.
[0010]
The transfer destination bank server has a loan charge request processing unit that transmits a request for a loan fee relating to the determined loan to the transfer source bank server.
[0011]
BEST MODE FOR CARRYING OUT THE INVENTION
Embodiment 1 FIG.
Hereinafter, the present invention will be described based on embodiments shown in the drawings. FIG. 1 is a diagram showing a relationship between banks in the first embodiment.
The transaction using this system will be described with reference to FIG. For example, the transfer requester 1 as an employer requests the transfer source bank 2 for a transfer of salary or the like from an account of the transferee to an account of a transferee account holder 4 as an employee. The transfer source bank 2 notifies the transfer destination bank 3 of a transfer notice. Then, if the transfer process fails due to a problem or the like at the transfer source bank 2, the transfer destination bank 3 determines that the transfer is not performed even when the due date is reached, and withdraws, withdraws, and transfers from the transfer destination account. Automatically finance and compensate for the balance shortfall at the time of transfer.
[0012]
Next, the configurations of the transfer source bank server 20 as the server of the transfer source bank 2 and the transfer destination bank server 30 as the server of the transfer destination bank 3 will be described. FIG. 2 is a diagram showing a configuration of a transfer source bank server and a transfer destination bank server in the first embodiment.
The transfer source bank server 20 includes elements of a transfer request receiving unit 21, a transfer notice notice unit 22, a transfer processing unit 23, a transfer request storage unit 24, and a loan fee request receiving unit 25. On the other hand, the transfer destination bank server 30 includes a transfer notice receiving unit 31, a transfer notice storage unit 32, a transfer confirmation unit 33, an account management database 34, a loan candidate account information storage unit 35, a loan determination unit 36, a loan processing unit 37, It has an element of the loan fee request processing unit 38.
[0013]
Next, the processing will be described. First, the pre-processing on the transfer source bank server 20 side will be described. FIG. 3 is a diagram showing a transfer request acceptance processing flow (transfer source bank server).
The transfer request receiving unit 21 inputs a transfer request from a transfer requester from a terminal in a bank or the like (S301). The transfer request includes information of a transfer source account number, a transfer destination bank name and a store name, a transfer destination account number, a transfer amount, and a scheduled transfer date. Then, the input transfer request is stored in the transfer request storage unit 24 (S302), and the transfer request is transmitted to the transfer destination bank server 30 as a transfer notice (S303).
[0014]
On the other hand, the preprocessing on the transfer destination bank server 30 will be described. FIG. 4 is a diagram showing the flow of the transfer notice acceptance processing (transfer destination bank server).
The transfer notice receiving unit 31 receives the transfer notice from the transfer destination bank server 30 (S401), and stores the transfer notice (S402). At this time, the bank name and store name of the transfer destination bank server 30 are also stored.
[0015]
A description will be given of the scheduled transfer date processing relating to the transfer request for which the above-described preprocessing has been completed. In the transfer destination bank server 30, the transfer confirmation unit 33 performs a transfer confirmation process. FIG. 5 is a diagram showing a transfer confirmation processing flow (transfer destination bank server).
The following process is repeated for each transfer notice stored in the transfer notice storage unit 32 (S501). If the transfer has not been made as scheduled even before the scheduled transfer date (S502, S503), the transfer destination account number is set as the loan candidate account number, and the planned transfer amount is set as the loanable amount, and these are associated with each other. And store it in the loan candidate account information storage unit 35 (S504).
Then, the process ends when all the transfer notices have been processed (S505).
Thus, preparation for the loan is completed.
[0016]
The transfer-destination bank server 30 performs a transfer-examination process when an account opened at the transfer-destination bank 3 has a shortage of balance in the processing of withdrawal, withdrawal, transfer, and transfer. FIG. 6 is a diagram showing a transfer examination processing flow (transfer destination bank server).
First, a loan determination process (S601) by the loan determination unit 36 is performed. FIG. 7 is a diagram showing a loan determination processing flow (transfer destination bank server).
The loan determination unit 36 acquires the account number where the remaining balance is insufficient and the amount of the shortage (S701). Then, it is determined whether the account number of the insufficient balance of the account matches one of the loan candidate account numbers (S702). That is, it is determined whether or not the account with insufficient balance is registered in the loan candidate account information storage unit 35 as a loan candidate account.
If registered, it is determined whether the shortage amount is within the range of the loanable amount (S703).
If it is within the range, a loan is determined with the loan candidate account number as the loan account number and the shortage amount as the loan amount (S704). Then, the financing amount is updated by subtracting the financing amount from the financing amount (S705).
[0017]
The loan processing unit 37 performs the loan processing of the loan amount for the loan account number by the loan processing (S602). As a result, the processing of the above-described withdrawal, withdrawal, transfer, and transfer is normally processed.
[0018]
Finally, the financing fee request processing unit 38 performs a financing fee requesting process (S603). As a result, information for requesting the transfer source bank 2 for the commission associated with the loan is transmitted to the transfer source bank server 20. At this time, it is effective to transmit the transfer source account number and the loan amount together.
[0019]
Embodiment 2 FIG.
A description will be given of a mode of notifying that the transfer cannot be made from the transfer source bank server 20 to the transfer destination bank server 30 when the transfer cannot be made at the transfer source bank 2. Thereby, the processing of the transfer destination bank server 30 can be reduced. FIG. 8 is a diagram showing a configuration of a transfer source bank server and a transfer destination bank server in the second embodiment.
The transfer-source bank server 20 has a transfer-disabled information transmitting unit 26 that transmits transfer-disabled information when a transfer request cannot be executed. On the other hand, the transfer-destination bank server 30 has a transfer-impossible information receiving unit 39 that receives transfer-impossible information. FIG. 9 is a diagram showing a transfer-impossible information receiving process flow (transfer-destination bank server).
The transfer-impossible information receiving unit 39 receives transfer-impossible information including information (transfer notice ID) that can specify a transfer notice (S901), and uses the transfer-destination account number as a loan candidate account number and transfers the scheduled transfer amount. These are stored in association with each other as a possible loan amount (S902).
This process is a process replacing the process of the transfer confirmation unit 33 in the first embodiment.
[0020]
Embodiment 3 FIG.
In the present embodiment, a process in the case where the automatic transfer has failed will be described. FIG. 10 is a diagram illustrating a relationship between banks according to the third embodiment.
For example, the automatic transfer requester 5, who is a taxpayer, has previously requested the transfer source bank 2 to automatically transfer (deduct) tax from its own account. When receiving the debit request from the debit requester 6, which is a local public organization, the transfer source bank 2 notifies the transfer destination bank 3 in which the account of the debit requester 6 is opened of a transfer notice. Then, when the transfer fails at the transfer source bank 2, the transfer destination bank 3 performs a process of financing for the shortage of the balance of the account of the debit requester 6 as in the above-described embodiment.
[0021]
FIG. 11 is a diagram showing a configuration of a transfer source bank server and a transfer destination bank server in the third embodiment.
A transfer request receiving unit 27 and a transfer request storage unit 28 are provided instead of the transfer request receiving unit 21 and the transfer request storage unit 24 in FIG.
[0022]
FIG. 12 is a diagram showing the withdrawal request accepting process (transfer source bank server). The debit request receiving unit 27 inputs a debit request from the debit requester 6 instead of the transfer request from the transfer requester 1 (S1201). The withdrawal request includes the same information as the transfer request. Then, the withdrawal request storage unit 28 stores this withdrawal request (S1202). Then, the debit request is transmitted to the transfer destination bank server 30 as a transfer notice (S1203).
[0023]
Further, in the case of automatic transfer (withdrawal), as in the second embodiment, a configuration in which transfer-disabled information is transmitted from the transfer-source bank server 20 to the transfer-destination bank server 30 may be adopted.
[0024]
The transfer source bank server 20 and the transfer destination bank server 30 are computers, and each element can execute processing by a program. Further, the program can be stored in a storage medium, and can be read by the computer from the storage medium.
[0025]
【The invention's effect】
In the present invention, when a shortage occurs in the transfer destination account where the transfer has not been made, the loan is determined within the range of the transfer amount of the transfer notice, so even if a transfer failure occurs, the transfer at the scheduled transfer destination is performed. Transaction failure due to insufficient balance can be prevented.
[Brief description of the drawings]
FIG. 1 is a diagram showing a relationship between banks in the first embodiment.
FIG. 2 is a diagram showing a configuration of a transfer source bank server and a transfer destination bank server in the first embodiment.
FIG. 3 is a diagram showing a transfer request acceptance processing flow (transfer source bank server).
FIG. 4 is a diagram showing a transfer notice acceptance processing flow (transfer destination bank server).
FIG. 5 is a diagram showing a transfer confirmation processing flow (transfer destination bank server).
FIG. 6 is a diagram showing a transfer examination processing flow (transfer destination bank server).
FIG. 7 is a diagram showing a loan determination processing flow (transfer destination bank server).
FIG. 8 is a diagram showing a configuration of a transfer source bank server and a transfer destination bank server in the second embodiment.
FIG. 9 is a diagram showing a transfer-impossible information receiving process flow (transfer-destination bank server).
FIG. 10 is a diagram showing a relationship between banks in the third embodiment.
FIG. 11 is a diagram showing a configuration of a transfer source bank server and a transfer destination bank server in a third embodiment.
FIG. 12 is a diagram showing a debit request accepting process (transfer source bank server).
[Explanation of symbols]
1 transfer requester, 2 transfer source bank, 3 transfer destination bank, 4 transfer destination account holder, 5 automatic transfer requester, 6 transfer requester, 20 transfer source bank server, 21 transfer request receiving section, 22 transfer notice notification section , 23 transfer processing section, 24 transfer request storage section, 25 loan fee request receiving section, 26 transfer impossible information transmitting section, 27 withdrawal request receiving section, 28 withdrawal request storage section, 30 transfer destination bank server, 31 transfer notice receiving section, 32 transfer notice storage unit, 33 transfer confirmation unit, 34 account management database, 35 loan candidate account information storage unit, 36 loan determination unit, 37 loan processing unit, 38 loan fee request processing unit, 39 transfer impossible information receiving unit.

Claims (5)

A bank transaction guarantee system comprising a transfer source bank server and a transfer destination bank server,
The transfer source bank server
(1) a transfer request receiving unit for inputting a transfer request,
(2) a transfer notice notification unit for transmitting the transfer request as a transfer notice to a transfer destination bank server,
The transfer destination bank server
(3) a transfer notice receiving unit that receives the transfer notice;
(4) a transfer confirmation unit for confirming that the transfer has been executed as described in the transfer notice,
(5) A bank transaction guarantee system comprising: a loan determination unit that determines a loan within the range of the transfer amount of a transfer notice when a shortage occurs in a transfer destination account in which the transfer has not been performed. A bank transaction guarantee system comprising a transfer source bank server and a transfer destination bank server,
The transfer source bank server
(1) a transfer request receiving unit for inputting a transfer request,
(2) a transfer notice notification unit for transmitting the transfer request as a transfer notice to a transfer destination bank server;
(3) a transfer-impossible information transmitting section that transmits transfer-impossible information when the transfer cannot be executed as described in the transfer notice,
The transfer destination bank server
(4) a transfer notice receiving unit that receives the transfer notice,
(5) a transfer-impossible information receiving unit that receives the transfer-impossible information;
(6) When there is a shortage of funds in the transfer destination account specified in the transfer notice specified by the transfer prohibition information, a loan determination unit that determines a loan within the transfer amount of the transfer notice is provided. A bank transaction guarantee system. A bank transaction guarantee system comprising a transfer source bank server and a transfer destination bank server,
The transfer source bank server
(1) Withdrawal request receiving unit for inputting a withdrawal request,
(2) a transfer notice notification unit for transmitting the debit request as a transfer notice to a transfer destination bank server;
The transfer destination bank server
(3) a transfer notice receiving unit that receives the transfer notice;
(4) a transfer confirmation unit for confirming that the transfer has been executed as described in the transfer notice,
(5) A bank transaction guarantee system comprising: a loan determination unit that determines a loan within the range of the transfer amount of a transfer notice when a shortage occurs in a transfer destination account in which the transfer has not been performed. A bank transaction guarantee system comprising a transfer source bank server and a transfer destination bank server,
The transfer source bank server
(1) Withdrawal request receiving unit for inputting a withdrawal request,
(2) a transfer notice notification unit that transmits the debit request as a transfer notice to a transfer destination bank server;
(3) a transfer-impossible information transmitting section that transmits transfer-impossible information when the transfer cannot be executed as described in the transfer notice,
The transfer destination bank server
(4) a transfer notice receiving unit that receives the transfer notice,
(5) a transfer-impossible information receiving unit that receives the transfer-impossible information;
(6) When there is a shortage of funds in the transfer destination account specified in the transfer notice specified by the transfer prohibition information, a loan determination unit that determines a loan within the transfer amount of the transfer notice is provided. A bank transaction guarantee system. The bank transaction guarantee system according to any one of claims 1 to 5, wherein the transfer destination bank server has a loan fee request processing unit that transmits a request for a loan fee relating to the determined loan to the transfer source bank server. .

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