JP4866026B2 - Transfer agency management system, transfer agency management method, transfer agency management program, and computer-readable recording medium recording the transfer agency management program - Google Patents

Description

  The present invention is, for example, a transfer agency management system, a transfer agency management method, a transfer agency management program, and a computer reading recording a transfer agency management program for assisting a transfer procedure, such as money transfer performed by a financial institution such as a bank. The present invention relates to a possible recording medium.

Traditionally, financial institutions such as banks provide transfer services. Since this transfer service needs to individually respond to transfer requests from a large number of clients, the amount of paperwork inevitably increases and the transfer fee tends to remain high.
In view of this, a proposal has been made to provide an institution different from a financial institution that efficiently processes such a transfer service and to allow the other institution to perform the transfer service (for example, Patent Document 1).
JP 2004-178246 A (FIG. 1 etc.)

  However, in the transfer agency system as shown in Patent Document 1, it is necessary to open an account for the actual transfer in this system in the bank. This bank account is opened under the name of the operating company of the system, and the transfer requester deposits funds into the account of this name, so the client bears the credit risk of the operating company of the system. There was a problem.

  Therefore, the present invention provides a transfer agency management system and a transfer agency management method capable of operating a credit company such as an operating company of the system without incurring credit risk while suppressing an increase in the amount of transfer work of a financial institution or the like. An object of the present invention is to provide a transfer agency management program and a computer-readable recording medium in which the transfer agency management program is recorded.

According to the invention of claim 1, the subject is a requester terminal device operated by a requester who makes a transfer request, a transfer agency management device that acquires and manages transfer information from the requester terminal device, and A financial institution transfer execution device that performs transfer based on the transfer information acquired from the transfer agency management device, wherein the financial institution transfer execution device includes a financial institution name in the name of a financial institution The transfer source account data is stored , the financial institution name transfer source account data has transfer source account data for the transfer agency management device used by the transfer agency management device, and the transfer agency account data for the transfer agency management device Is derived, the requester's transfer source account data of the requester, which is the account of the requester who operates the requester's terminal device, is set, and the transfer agency management device uses the requester's transfer source account Data transfer related information including data change information is displayed for each requester, and balance data of the requester's transfer source account data is reflected in the virtual passbook unit, and the transfer agency management device Determines whether or not the total transfer amount data of the transfer information is smaller than the balance data, and when the total transfer amount data is larger than the balance data, a message prompting the requester to pay is sent to the requester terminal When the total transfer amount of the transfer information is smaller than the balance data, the transfer agency management device converts the transfer information into transfer request data in units of transfer dates, and the transfer the day the sends the transfer request data to the financial institution transfer execution units, the financial institutions transfer execution unit, in accordance with the transfer information of the transfer agency management system, and remit the funds, the requester for the transfer based on mouth It is accomplished by transfer agency management system characterized from the balance data of the data has a structure to reduce the transfer disbursements.

According to the configuration, transfer agency management system, financial institutions transfer execution unit, in accordance with the transfer information of the transfer agency management system, and has a configuration that transfer money funds transfer the original account for transfer agency management device.
For this reason, even if the transfer of the client's remit the funds, the deposit and transfer, for both of which are carried out through an account of a financial institution name, as in the conventional example, ask the credit risk such as investment company of this system Can be operated without incurring the burden on the user.

In addition, financial institutions, funds in the transfer agency management system for the transfer the original account simply, since only transfer money in accordance with the transfer information, it is possible to reduce the transfer office the amount of financial institutions.

According to the second aspect of the present invention, according to the invention of claim 2 , the transfer information acquisition management step in which the transfer agency management device acquires and manages the transfer information from the client terminal device operated by the requester who makes the transfer request, and the transfer is performed. a transfer proxy management method having a transfer information providing step of providing the transfer information to a financial institution transfer execution device, and the said financial institution transfer execution device, the financial institution name transfer original account data of the financial institution name is stored The financial institution name transfer source account data has transfer source account data for the transfer agency management device used by the transfer agency management device, and is derived from the transfer source account data for the transfer agency management device, The requester's transfer source account data of the requester who is the account of the requester who operates the requester's terminal device is set, and the transfer agency management device includes change information of the requester's transfer source account data A virtual passbook unit displaying transfer-related information for each client, balance data of the requester's transfer source account data is reflected in the virtual passbook unit, and the transfer agency management device It is determined whether or not the transfer amount data is less than the balance data, and when the total transfer amount data is larger than the balance data, a message prompting payment to the requester is transmitted to the requester terminal device. When the total transfer amount of the transfer information is smaller than the balance data, the transfer agency management device converts the transfer information into transfer request data on a transfer date basis, and transfers the transfer request data on the transfer date. and transmitted to the financial institution transfer execution device, the financial institutions transfer execution unit, in accordance with the transfer information of the transfer agency management system, and remit the funds, the balance data of the requester for the transfer based on account data Is accomplished by transfer proxy management method characterized in that it is configured to reduce the transfer disbursements from.

This object is achieved according to the invention of claim 3, the computer, and transfer the information acquisition control step of transfer proxy management apparatus transfer information from requester terminal apparatus requester operates to perform remittance acquires management, A transfer information providing step of providing the transfer information to the financial institution transfer execution device that performs the transfer, wherein the financial institution transfer execution device includes a financial institution name transfer source in the name of the financial institution Account data is stored, the financial institution name transfer source account data has the transfer source account data for the transfer agency management device used by the transfer agency management device, the transfer agency account data for the transfer agency management device, Derived, the requester's transfer source account data of the requester, which is the account of the requester who operates the requester's terminal device, is set, and the transfer agency management device, the transfer agent's transfer source A transfer account information that includes transfer information including change information of the account data for each requester, and balance data of the transfer source account data for the requester is reflected in the virtual passbook unit, and the transfer agency management device Determines whether the total transfer amount data of the transfer information is less than the balance data,
When the total transfer amount data is larger than the balance data, it is configured to send a message prompting payment to the requester to the client terminal device, and when the total transfer amount of the transfer information is smaller than the balance data The transfer agency management device converts the transfer information into transfer request data in units of transfer dates, transmits the transfer request data to the financial institution transfer execution device on the transfer date, and the financial institution transfer execution device , in accordance with the transfer information of the transfer agency management system, to remit funds, it is achieved by the transfer agency management program to be executed that reduce the transfer disbursements from the balance data of the transfer the original account data for the requester.

According to the invention of claim 4 , the subject is a transfer information acquisition management step in which the transfer agency management device acquires and manages the transfer information from the client terminal device operated by the requester who makes the transfer request to the computer, A transfer information providing step of providing the transfer information to a financial institution transfer execution device that performs the transfer, and a computer-readable recording medium that records a transfer agency management program for executing the transfer information providing step . Financial institution name transfer source account data in the name of a financial institution is stored, and the financial institution name transfer source account data includes transfer source account data for a transfer agency management device used by the transfer agency management device, and the transfer agency management In the device transfer source account data, the requester's requester's transfer source account data, which is the account of the requester who operates the requester's terminal device, is set. The transfer agency management device has a virtual passbook unit that displays transfer related information including change information of the requester transfer source account data for each requester, and balance data of the requester transfer source account data is: Reflected in the virtual passbook unit, the transfer agency management device determines whether or not the total transfer amount data of the transfer information is less than the balance data, and when the total transfer amount data is larger than the balance data The transfer agent management device is configured to transmit a message prompting payment to the requester to the requester terminal device, and when the total transfer amount of the transfer information is smaller than the balance data, the transfer agency management device stores the transfer information. converted into remittance data transfer day units, and transmits the transfer request data to the transfer day to the financial institution transfer execution device, said financial institution transfer execution unit, the vibration of the transfer proxy management device Information in accordance with, remitted funds is achieved by the requester for the transfer source account data of the balance computer readable recording medium recording a transfer proxy management program from the data to perform the reducing the transfer disbursements.

  The present invention provides a transfer agency management system, a transfer agency management method, and a transfer agency that can operate a credit company such as a management company of this system without incurring a credit risk while suppressing an increase in the amount of money transferred by a financial institution, etc. There is an advantage that it is possible to provide a computer-readable recording medium in which the proxy management program and the transfer proxy management program are recorded.

Preferred embodiments of the present invention will be described below in detail with reference to the accompanying drawings.
The embodiments described below are preferred specific examples of the present invention, and thus various technically preferable limitations are given. However, the scope of the present invention is particularly limited in the following description. Unless otherwise stated, the present invention is not limited to these embodiments.

FIG. 1 is a schematic diagram showing a transfer agency system 10 which is an example of a transfer agency management system of the present invention.
As illustrated in FIG. 1, the transfer agency system 10 includes client terminal devices 11 a to 11 c that are client terminal devices operated by a client who makes a transfer request.
Moreover, the transfer agency system 10 has the transfer agency management apparatus 100 which is a transfer agency management apparatus which acquires and manages transfer information from the requester terminal 11a etc., for example.
The transfer agency management device 100 is installed in a card company or the like other than a financial institution.

Moreover, the transfer agency system 10 has the bank account management apparatus 200 which is a financial institution transfer execution apparatus which performs transfer based on the transfer information acquired from the transfer agency management apparatus 100, for example. The bank account management apparatus 200 is placed in a financial institution such as a bank.
Furthermore, the transfer agency system 10 includes the financial institution terminals 13a to 13c of the counterpart financial institution to which the bank account management apparatus 200 performs the transfer.
The financial institution terminal 13a and the like are installed in a bank, for example.

The client terminal 11a and the transfer agency management device 100 are connected to each other via the Internet network 12 so as to be able to communicate with each other.
Further, the financial institution terminal 13a and the bank account management apparatus 200 are communicably connected to each other, and are configured to allow mutual transfer procedures.
Furthermore, the transfer agency management device 100 and the bank account management device 200 are connected to be communicable with each other.

The client terminal 11a and the like, the financial agency management device 100, the bank account management device 200, the financial institution terminal 13a and the like shown in FIG. 1 each have a computer or the like.
FIG. 2 is a schematic diagram showing a main hardware configuration of a computer or the like used in the client terminal 11a.
As shown in FIG. 2, the computer has a bus 14, and a CPU (Central Processing Unit) 15, a RAM (Random Access Memory) 16, a ROM (Read Only Memory) 17, a storage device 18 such as a hard disk, etc. Is connected.
Also connected to the bus are an input device 19 such as a keyboard, a display device 20 such as a display, a timing device 21, a communication device 22, and the like.

In other words, the bus 14 has a function of connecting all devices and is an internal path having an address and a data path.
The CPU 15 controls a ROM 17 and the like connected to the bus 14 in addition to processing a predetermined program. The ROM 17 stores various programs and various information.
The RAM 16 has a function as an area for comparing the contents of the memory during the program processing and for executing the program.
For the transfer agent management device 100 and the like other than the client terminal 11a and the like, a large computer or the like having the same function is employed.

FIG. 3 is a schematic block diagram showing a main software configuration of the bank account management apparatus 200 of FIG. As shown in FIG. 3, the bank account management apparatus 200 includes a control unit 201 that controls the entire apparatus, an input unit 202 such as a keyboard, a display unit 203 such as a display, and an interface 204 that communicates with the outside. .
Further, the bank account management apparatus 200 has a deposit / withdrawal acceptance unit 205 for a client, such as an operator of the client terminal 11a in FIG. 1, to deposit funds for transfer.
The bank account management apparatus 200 has an account database 210. In the account database 210, transfer source account data 211 is stored.

Here, the transfer source account will be described. The account holder of the transfer source account is only a bank and is not a user of the account.

Since the account holder is a bank, the client is unable to withdraw the funds deposited here.

By the way, the transfer source account of the transfer source account data 211 in FIG. 3 is an account having the same characteristics as described above. FIG. 4 is a schematic diagram showing an example of the transfer source account data 211.
As shown in FIG. 4, the transfer source account has a bank code and a branch code, and is classified by “1002” by account type. That is, this account type is “transfer account”.
In addition, although there are many users of the transfer source account, the name of the account is only a bank name, and therefore is distinguished by a number.

In FIG. 4, for example, “1002003” is the transfer source account number used by the transfer proxy management device 100 of FIG.
That is, the transfer source account number “1002003” in FIG. 4 is an example of the financial institution name transfer source account in the name of the financial institution. Further, since this transfer source account number “1002003” is the transfer source account number of the transfer agency management device 100, the account with the same number is the transfer source account for the transfer agency management device used by the transfer agency management device 100. It is also an example.

Further, as shown in FIG. 4, the transfer source account number “1002003-001” is derived from the transfer source account number.
The requester's transfer source account number is an account for each requester who operates the requester terminal 11a of FIG.
This transfer source account for the requester is in the name of a bank, like the transfer source account of the transfer agency management device 100, but it is easy to manage transfer for each requester by opening an account for each requester. Become.

In addition, transfer request data 139 is stored in the account database 210 of FIG. The transfer request data is data created in units of transfer dates, and is data that is easy for a bank to transfer.
Further, non-delivery data 213 is stored in the account database 210. The non-delivery data 213 is data regarding a case where the bank has made a transfer but the transfer has not been successfully performed.
The account database 210 stores loanable data 214, which is loanable information, for example. The overdraft possible data 214 is data regarding the amount of money that can be overdrafted to make up for the shortage amount when the total transfer amount is larger than the balance of the requesting transfer source account in FIG.

As shown in FIG. 3, the bank account management apparatus 200 has a transfer execution program 220 for the bank to execute the transfer. The bank account management apparatus 200 has an account reduction program 221 for subtracting the transfer amount from the balance of the requester's transfer source account in FIG. 4 after the transfer.
Further, the bank account management apparatus 200 has a transfer source account balance transmission program 223 for notifying the transfer agency management apparatus 100 of FIG. 1 of the balance of the requester's transfer source account of FIG.
Furthermore, the bank account management apparatus 200 includes, for example, an overdraft determination program 224 that is an overdraft determination unit that determines overdraft based on the overdraft data 214 of the account database 210.

FIG. 5 is a schematic explanatory diagram showing a main software configuration and the like of the transfer agency management device 100 of FIG.
As shown in FIG. 5, the transfer agency management apparatus 100 includes a control unit 101, and the control unit 101 includes an input unit 102 such as a keyboard, a display unit 103 such as a display, and an interface that communicates with the outside. 104 is connected.
Moreover, the transfer agency management apparatus 100 has the transfer related information database 130. The transfer related information database 130 has transfer requester management master data 131. FIG. 6 is a schematic explanatory diagram showing an example of the transfer requester management master data 131. As shown in FIG. 6, the transfer requester management master data 131 stores data such as the requester number.

The transfer related information database 130 stores, for example, transfer details data 132 which is transfer information. FIG. 7 is a schematic explanatory diagram showing an example of the transfer details data 132. As illustrated in FIG. 7, data such as a requester number, a transfer date, and a destination account as a transfer destination are registered in the transfer details data 132.
The transfer related information database 130 stores virtual passbook data 133.
FIG. 8 is a schematic explanatory diagram showing an example of the virtual passbook data 133. As shown in FIG. 8, in the virtual passbook data 133, data such as deposit amount, deposit balance, remittable amount, remittance end, remittance reservation, and the like are registered.
For this reason, the virtual passbook 133 is an example of a virtual passbook unit that displays transfer related information including change information of the requester's transfer source account for each requester.
Therefore, the requester can easily and accurately grasp the status of the transfer requested by the client by accessing the transfer agency management device 100 via the requester terminal 11a and browsing the virtual passbook data 133.

In addition, the transfer related information database 130 stores a message 136 and a confirmation processing error message 137 for prompting payment to a client, which will be described later.
Further, the transfer related information database 130 stores transfer request data 139 in which transfer details data 132 is created on a transfer date basis.

The transfer agency management apparatus 100 transfers the transfer related information input / output program 105 for acquiring transfer details data and the like from the requester terminal 11a, and the transfer source for acquiring the balance of the transfer source account for the client shown in FIG. An account balance information acquisition program 106 is provided.
In addition, the transfer agency management device 100 has a transfer date determination program 107 and a non-delivery information acquisition and notification program 108 that acquires transfer non-delivery information from the bank account management device 200 and notifies the requester terminal 11a and the like. ing.
In the transfer date determination program 107, it is determined whether or not the total transfer amount in the transfer details data 132 is less than the balance of the requester's transfer source account in FIG. 4, and when it is less, the transfer date determination process is performed. When the total transfer amount is large and the balance is insufficient, a confirmation processing error message 137 in the transfer related information database 130 in FIG. 5 is transmitted to the requester terminal 11a and the like.
Therefore, the transfer date confirmation program 107 is an example of a transfer enable determination unit. As described above, since the shortage of the balance of the requester's transfer source account in FIG. 4 is determined not by the bank account management apparatus 200 of the bank but by the transfer agency management apparatus 100 of the card company, Remarkably reduced.
Moreover, the transfer agency management apparatus 100 has the request | requirement payment history acquisition program 111 for every requester which acquires the log | history received by the transfer account for requesters of FIG.

  Moreover, the transfer agency management apparatus 100 has the transfer request data creation program 114 which makes the transfer details data 132 acquired by the requester the transfer request data 139 that is data based on the transfer date.

The transfer agent system 10 according to the present embodiment is configured as described above, but an operation example thereof will be described below.
In this operation example, for example, it is assumed that the client A has the client terminal 11a, the card company B manages the transfer agency management device 100, and the bank B has the bank account management device 200.
First, as shown in FIG. 9, a pretreatment process is performed. That is, the client A who intends to use the transfer agency system 10 performs a procedure for using the transfer agency system 10.
FIG. 9 is a schematic flowchart showing the pretreatment process.
First, as shown in ST1 of FIG. 9, when there is a request for proxy transfer from the requester A, the transfer proxy management apparatus 100 receives information such as “requester name”, “address”, and “phone number” from the requester A. Obtain.

Next, as shown in ST2, the information obtained from the requester A is registered in the transfer related database 130 of the transfer agent device 100 via the input unit 102, and is set as transfer requester management master data 131 (see FIG. 6). ).
Further, as shown in ST3, the transfer agent management apparatus 100 sends the requester A “requester number (1010001)”, “requester ID number (NF3579)”, “person in charge ID number (MB0001)”, “password (S73K22DG). ”) (See FIG. 6). Then, the requester A is notified, and the information is registered as the transfer requester management master data 131.

Further, the transfer agency management device 100 establishes a “requester transfer source account number (1002003-001)” in the name of the bank in association with its own transfer source account number (1002003) established in the bank (FIG. 4). In addition, the client A is notified of this account number and registered as transfer requester management master data 131 (see FIG. 6).
Thus, the pretreatment process is completed.

Thereafter, the requester A who wants to make a transfer using the transfer agency system 10 enters the transfer details transmission processing step.
FIG. 10 is a schematic flowchart showing a transfer details transmission processing step.
Specifically, as shown in ST11 of FIG. 10, the client A accesses the homepage of the transfer agent device 100 from the client terminal 11a via the Internet 12.
At this time, access to the transfer agent device 100 is permitted only to the client terminal 11a in which the authentication program is installed in advance.
For this reason, even if the client ID or the like is input at other terminals, it is not permitted, so that misuse can be prevented.

Next, as shown in ST12, authentication is performed. Specifically, authentication is performed using a requester ID, a person-in-charge ID, and a password.
If the authentication succeeds, the process proceeds to ST13, and if it fails, access is denied.
In ST13, the requester A transmits the transfer details data 132 (see FIG. 7) including the transfer destination, the transfer amount, and the like to the transfer agency device 100. Two methods can be selected for this.
(Internet entry method)
This is a method in which the client A creates and uploads the transfer details data 132.
(ASP (Application Service Provider) method)
In this case, the requester A calls the format of the transfer details data 132 of FIG. 7 on the requester terminal 11a, inputs the data for each destination (transfer destination), creates the transfer details data 132, and transfers the transfer agent device. 100 is registered.
The requester A transmits the transfer details data 132 to the transfer agency management device 100 by any method (an example of a transfer information acquisition management process).
This is the end of the transfer details transmission processing step, but in this transfer details transmission processing step, the transfer details data is simply registered in the transfer agency management device 100, and the transfer processing is not performed only in this step. .

Next, a deposit processing step is performed. The requester A transfers funds to the bank requester's transfer source account number (1002003-001) notified from the transfer agency management device 100.
The balance of the requester's transfer source account number (1002003-001) is shown in FIG. 8 by the transfer source account balance transmission program 223 of the bank account management device 200 and the transfer source account balance information acquisition program 106 of the transfer agency management device 100. It is reflected in the “virtual passbook 133” shown.
Specifically, it is reflected in “Custody Amount”, “Custody Balance”, “Remittable Amount (Remaining)”, etc. of the virtual passbook data 133 in FIG.
For this reason, the requester A can easily confirm the current deposit status when accessing the transfer agent management apparatus 100 with his / her requester terminal 11a.

As described above, since the requester A has performed the procedure of transferring the transfer details data 132 to the transfer agent management device 100 and depositing funds into the requester's transfer source account, the transfer confirmation process is performed next.
11 and 12 are schematic flowcharts showing a transfer confirmation process and a transfer process step.
First, as shown in ST21 of FIG. 11, the requester A operates the requester terminal 11a to access the transfer agent device 100, and authenticates with the requester ID, the person in charge ID, and the password.
If the authentication is successful in ST22, the transfer agency management device 100 reads the transfer details data 132 of the requester A already registered in the transfer related information database 130 and displays it on the requester terminal 11a of the requester A (ST23). ).

Next, the requester A views the display on the requester terminal 11a, selects “transfer date”, and presses the confirm button (ST24).
Then, the transfer date confirmation program 107 of the transfer agency device 100 is activated, and the transfer amount for the requester acquired by the transfer amount account data 132 information acquisition program 106 in which the transfer details data 132 for which the determination button is pressed is pressed. The balance of the original account number (1002003-001) is compared to determine whether or not the total transfer amount is smaller than the balance (ST26).

(If the total transfer amount is smaller than the balance)
In this case, the transfer date pressed by the requester A is determined by the transfer date determination program 107 (ST27).
Next, the transfer date confirmation program 107 subtracts the transfer amount for which the transfer confirmation process has been performed from the “transferable amount” column of the virtual passbook data 133 and moves it to the “remittance reservation” column. Further, the transfer date is displayed in the “scheduled date” of the virtual passbook data 133 (ST28).
Next, the update prohibition flag is turned ON for the transfer details data 132 for which the transfer confirmation process has been performed (ST29).

Next, the transfer details data 132 is converted into transfer request data in units of transfer days by the transfer request data creation program 114, and stored as transfer request data 139 in the transfer related information database 130 (ST30).
Next, the transfer agency management device 100 transmits the transfer request data 139 to the bank account management device 200 on the transfer date (ST31) (an example of a transfer information providing step).
Then, the bank account management apparatus 200 stores the received transfer request data 139 in the account database 210 (ST32).
Next, the transfer execution program 220 of the bank account management apparatus 200 transfers funds to each destination bank based on the transfer request data 139 (ST33).
At this time, the transfer is made through the transfer source account (1002003) of the card company B in FIG. That is, the account becomes a large account because it handles all the transfer of all the clients at once, and the transfer fee to the bank C can be reduced.
Therefore, costs are reduced compared to the case where each client makes a transfer from his / her own name account as in the prior art.
In addition, since the bank account management device 200 of the bank C receives the transfer request data on the transfer date from the transfer agency management device 100, the transfer procedure may be performed as it is. Therefore, the amount of money transferred by bank C can be remarkably reduced.

Next, the account reduction program 221 of the bank account management apparatus 200 reduces the transfer execution amount from the requester's transfer source account (1002003-001) (ST34).
Next, when the transfer source account balance etc. transmission program 223 of the bank account management device 200 transmits the balance after the transfer to the transfer agency management device 100, the transfer source account balance etc. information acquisition program 106 of the transfer agency management device 100, Such information is acquired, and “remittance reservation” and “scheduled date” of the virtual passbook 133 are changed to “remittance end” and “done”, respectively.
Therefore, the requester A can easily confirm the transfer result only by displaying the virtual passbook 133 on his / her requester terminal 11a.

(If the total transfer amount is greater than the balance)
The transfer agent management device 100 calculates the number of days until the transfer date (ST39).
When the number of days is two days or more, the transfer agency management device 100 reads a message 136 that prompts payment to the requester in the transfer related information database 130 and transmits it to the requester terminal 11a of the requester A by e-mail. (ST41).
In this case, since the requester A has time to perform the deposit process, the requester A can be given an opportunity to deposit by such mail.

On the other hand, when the transfer date is less than 2 days in ST40, the transfer agency management device 100 reads the confirmation processing error message 138 of the transfer related information database 130 and displays it on the requester terminal 11a of the requester A (ST42). ).
As a result, the client can know that the transfer was not possible, and the retransfer procedure can be performed quickly.
Thus, the transfer confirmation process and the transfer process step are completed.

By the way, in this Embodiment, the bank account management apparatus 200 becomes a structure which performs overdraft beforehand so that a balance shortage may not generate | occur | produce.
FIG. 13 is a schematic flowchart showing the account balance report processing step.
First, in ST61, the overdraft determination program 224 of the bank account management apparatus 200 reads the balance of the requester's transfer source account (see FIG. 4) in the account database 210 (ST61).
Next, the overdraft determination program 224 refers to the overdraft data 214 in the account database 210 and determines whether or not the client A has concluded an overdraft contract (ST62).

When client A has concluded an overdraft contract, bank account management apparatus 200 reads the overdraft amount from overdraft data 214 (ST63).
In addition, the transfer source account balance transmission program 223 transmits an amount obtained by adding the overdraft amount to the requester transfer source account to the transfer agency device 100 (ST64).
The transfer agent management apparatus 100 reflects the sum of the remaining amount of the requester's transfer source account and the overdraft amount in the “remittable amount (remaining)” of the virtual passbook 133 (ST65).
Accordingly, the requester A can easily confirm the remaining amount of the “remittable amount” by looking at the virtual passbook 133 of the transfer agency management device 100.

The bank account management apparatus 200 updates the overdraft amount data 214 in the account database 210 by subtracting the loan amount at the stage when the transfer of the client A is completed from the loanable amount (ST66).
Thus, since it lends from the bank C which manages the bank account management apparatus 200, the shortage of the money which arises at the time of transfer can be compensated, and transfer can be performed smoothly.

When the requester A has not concluded the overdraft contract, the transmission program 106 for the transfer source account balance of the bank account management apparatus 200 transmits the transfer source account balance for the requester A to the transfer agency management apparatus 100. (ST67). Thereafter, the process proceeds to ST65.
This completes the account balance reporting process.

When the bank account management apparatus 200 makes a transfer to the financial institution terminal 13a shown in FIG. 1 or the like and there is a transfer error such as non-delivery, the following processing is performed.
That is, if the transfer is non-delivery, the non-delivery data is stored in the account database 210 of the bank account management apparatus 200. Then, the bank account management apparatus 200 increases the non-delivery transfer amount by the account reduction program 221 and transmits the non-delivery data to the transfer agency management apparatus 100.
The transfer agent management apparatus 100 changes the balance of the virtual passbook 133 based on the non-delivery data, and the non-delivery details are displayed in the virtual passbook 133.
Therefore, the client A can quickly know the fact of non-delivery by looking at the virtual passbook 133, and can quickly start the retransfer procedure.
Further, the transfer agent management device 100 that has received the non-delivery data transmits a “transfer error mail” to the requester.
In this case, the client A can know the fact of non-delivery without having to look at the virtual passbook 133.

In addition, in the present embodiment, when the transfer confirmation data 132 is registered but the transfer confirmation process by the client A is not performed, it is performed once two days before the transfer date (around 17:00), The alarm mail is transmitted to the client A.
In addition, an alarm mail is transmitted twice (9 o'clock and 15 o'clock) one day before the transfer date.
For this reason, the transfer details data 132 is transmitted, and the requester A who has forgotten the transfer confirmation process is prompted to confirm the transfer, thereby preventing the transfer from being forgotten.

(About programs and computer-readable recording media)
A transfer agency management program for causing a computer to execute the above-described operation example can be used.
Moreover, it can also be set as the computer-readable recording medium which recorded such a transfer agency management program.

  A program storage medium used to install these transfer agency management programs and the like into a computer and make them executable by the computer is, for example, a floppy disk such as a floppy (registered trademark), a CD-ROM (Compact Disc Read Only Memory). ), CD-R (Compact Disc-Recordable), CD-RW (Compact Disc-Rewriteable), DVD (Digital Versatile Disc), and other semiconductor media in which programs are temporarily or permanently stored, It can be realized by a magnetic disk or a magneto-optical disk.

  The present invention is not limited to the embodiments described above. Furthermore, the above-described embodiments may be combined with each other.

It is the schematic which shows the transfer agency system which is an example of the transfer agency management system of this invention. It is the schematic which shows the main hardware constitutions, such as a computer used with a client terminal etc. It is a schematic block diagram which shows the main software structures of the bank account management apparatus of FIG. It is the schematic which shows an example of transfer origin account data. It is a schematic explanatory drawing which shows the main software structures etc. of the transfer agency management apparatus of FIG. It is a schematic explanatory drawing which shows an example of transfer requester management master data. It is a schematic explanatory drawing which shows an example of transfer detailed data. It is a schematic explanatory drawing which shows an example of virtual passbook data. It is a schematic flowchart which shows a pre-processing process. It is a schematic flowchart which shows a transfer details transmission process process. It is a schematic flowchart which shows a transfer determination process and a transfer process process. It is another schematic flowchart which shows a transfer determination process and a transfer process process. It is a schematic flowchart which shows an account balance report process process.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 ... Transfer agency system, 11a ... Client terminal, 12 ... Internet network, 13a ... Financial institution terminal, 100 ... Transfer agency device, 130 ... Transfer related information database 130, 131 ... transfer requester management master data, 132 ... transfer details data, 133 ... virtual passbook data, 139 ... transfer request data, 210 ... account database, transfer source account data, 213 ... Non-delivery data, 214 ... Overlending data

Claims (4)

A requester terminal device operated by a requester who makes a transfer request; and
Transfer agency management device that acquires and manages transfer information from the requester terminal device, and
A transfer agency management system having a financial institution transfer execution device that performs transfer based on the transfer information acquired from the transfer agency management device,
The financial institution transfer execution device stores financial institution name transfer source account data in the name of a financial institution,
The financial institution name transfer source account data has transfer source account data for the transfer agency management device used by the transfer agency management device, and is derived from the transfer source account data for the transfer agency management device, and the request Transfer account data for the requester of the client who is the account of the client who operates the terminal device for the client is set,
The transfer agency management device has a virtual passbook unit that displays transfer related information including change information of the transfer source account data for the requester for each requester,
The balance data of the requester's transfer source account data is reflected in the virtual passbook section,
The transfer agency management device determines whether the total transfer amount data of the transfer information is less than the balance data,
When the total transfer amount data is larger than the balance data, it is configured to transmit a message for prompting payment to the requester to the requester terminal device,
When the total transfer amount of the transfer information is smaller than the balance data, the transfer agency management device converts the transfer information into transfer request data on a transfer date basis, and transfers the transfer request data to the financial institution on the transfer date. Send it to the transfer execution device,
The financial institutions transfer execution unit, in accordance with the transfer information of the transfer agency management system, and remit the funds, that is configured to reduce the transfer disbursements from the balance data of the transfer the original account data for the requester A transfer agency management system that is characterized. A transfer information acquisition management process in which the transfer agency management device acquires and manages the transfer information from the requester's terminal device operated by the requester who performs the transfer request; and
A transfer information providing step of providing the transfer information to a financial institution transfer execution device that performs the transfer,
Wherein the financial institutions transfer execution device, the financial institution name transfer the original account data of the financial institution name is stored,
The financial institution name transfer source account data has transfer source account data for the transfer agency management device used by the transfer agency management device, and is derived from the transfer source account data for the transfer agency management device, and the request Transfer account data for the requester of the client who is the account of the client who operates the terminal device for the client is set,
The transfer agency management device has a virtual passbook unit that displays transfer related information including change information of the transfer source account data for the requester for each requester,
The balance data of the requester's transfer source account data is reflected in the virtual passbook section,
The transfer agency management device determines whether the total transfer amount data of the transfer information is less than the balance data,
When the total transfer amount data is larger than the balance data, it is configured to transmit a message for prompting payment to the requester to the requester terminal device,
When the total transfer amount of the transfer information is smaller than the balance data, the transfer agency management device converts the transfer information into transfer request data on a transfer date basis, and transfers the transfer request data to the financial institution on the transfer date. Send it to the transfer execution device,
The financial institutions transfer execution device, follow the transfer information of the transfer agency management system, and remit the funds, which is configured to reduce the transfer disbursements from the balance data of the transfer the original account data for the requester A transfer agency management method characterized by that. A transfer information acquisition management step in which the transfer agency management device acquires and manages the transfer information from the requester terminal device operated by the requester who makes the transfer request to the computer,
A transfer agency management program for executing a transfer information providing step of providing the transfer information to a financial institution transfer execution device that performs the transfer,
Wherein the financial institutions transfer execution device, the financial institution name transfer the original account data of the financial institution name is stored,
The financial institution name transfer source account data has transfer source account data for the transfer agency management device used by the transfer agency management device, and is derived from the transfer source account data for the transfer agency management device, and the request Transfer account data for the requester of the client who is the account of the client who operates the terminal device for the client is set,
The transfer agency management device has a virtual passbook unit that displays transfer related information including change information of the transfer source account data for the requester for each requester,
The balance data of the requester's transfer source account data is reflected in the virtual passbook section,
The transfer agency management device determines whether the total transfer amount data of the transfer information is less than the balance data,
When the total transfer amount data is larger than the balance data, it is configured to transmit a message for prompting payment to the requester to the requester terminal device,
When the total transfer amount of the transfer information is smaller than the balance data, the transfer agency management device converts the transfer information into transfer request data on a transfer date basis, and transfers the transfer request data to the financial institution on the transfer date. Send it to the transfer execution device,
The financial institution transfer execution device transfers funds according to the transfer information of the transfer agency management device, and executes a transfer agency management program for executing subtraction of the transfer execution amount from the balance data of the requester's transfer source account data . A transfer information acquisition management step in which the transfer agency management device acquires and manages the transfer information from the requester terminal device operated by the requester who makes the transfer request to the computer,
A transfer information providing step of providing the transfer information to a financial institution transfer execution device that performs the transfer, and a computer-readable recording medium recording a transfer agency management program for executing the transfer information providing step,
Wherein the financial institutions transfer execution device, the financial institution name transfer the original account data of the financial institution name is stored,
The financial institution name transfer source account data has transfer source account data for the transfer agency management device used by the transfer agency management device, and is derived from the transfer source account data for the transfer agency management device, and the request Transfer account data for the requester of the client who is the account of the client who operates the terminal device for the client is set,
The transfer agency management device has a virtual passbook unit that displays transfer related information including change information of the transfer source account data for the requester for each requester,
The balance data of the requester's transfer source account data is reflected in the virtual passbook section,
The transfer agency management device determines whether the total transfer amount data of the transfer information is less than the balance data,
When the total transfer amount data is larger than the balance data, it is configured to transmit a message for prompting payment to the requester to the requester terminal device,
When the total transfer amount of the transfer information is smaller than the balance data, the transfer agency management device converts the transfer information into transfer request data on a transfer date basis, and transfers the transfer request data to the financial institution on the transfer date. Send it to the transfer execution device,
The financial institutions transfer execution unit, in accordance with the transfer information of the transfer agency management system, transfer agency management to execute that remitted funds, reducing the transfer disbursements from the balance data of the transfer the original account data for the requester A computer-readable recording medium on which a program is recorded.

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