JP5922176B2 - Transfer processing system and method - Google Patents

Description

  The present invention relates to a transfer processing system and method, and more particularly, to a system and method for selecting whether or not to make a transfer that has already been reserved when canceling a transfer-dedicated account.

  2. Description of the Related Art Conventionally, as a mechanism for improving the efficiency of deposit verification work, a transfer using a payee-dedicated account associated with a payee's deposit designated account is known (see, for example, Patent Document 1). Specifically, the payee prepares a payee-dedicated account for each billing destination, and notifies the billing destination of the account number of the payee-dedicated account. When the financial institution receives a transfer from each billing destination to each account dedicated for transfer, the financial institution deposits into a deposit designated account associated with the account for transfer. The account number of the account dedicated for transfer is added to the deposit details of the deposit designated account. For this reason, it is possible to perform a payment collation operation by collating the account number notified to the billing destination with the account number added to the deposit details.

  In such a transfer using a dedicated account for transfer, when a reservation for transfer to a dedicated account for transfer is accepted, after the lapse of a predetermined period of the financial institution, the deposit designated account associated with the dedicated account for transfer is transferred. Bank transfer reservation processing is performed. Thereafter, when the scheduled transfer date is reached, the reserved transfer is executed for the deposit designated account. That is, when the scheduled transfer date is reached, the money is deposited into the deposit designated account.

Japanese Patent No. 3029421

  However, in the above mechanism, there is a problem that the transferee cannot select in advance whether or not to make the reserved transfer if the transfer reservation is already accepted when canceling the transfer dedicated account. .

  Specifically, as described above, when a transfer reservation for a payee-dedicated account is accepted, a transfer reservation is made to a deposit designated account associated with the payee-dedicated account after a predetermined period of time has passed from the financial institution. Is performed. Therefore, even if the transfer-dedicated account is canceled before the scheduled transfer date, the reserved transfer is executed for the deposit designated account when the scheduled transfer date is reached. That is, when the scheduled transfer date is reached, the money is deposited into the deposit designated account.

  However, after the reservation for the transfer to the dedicated account for transfer is accepted, and before the transfer reservation is processed for the designated deposit account associated with the dedicated account for transfer, the dedicated account for transfer is canceled. If the payment is made, the transfer reservation process (ie, the transfer reservation process for the designated deposit account) will not be performed (because there is no existing transfer-dedicated account to be processed). ). Therefore, the reserved transfer is not executed.

  As described above, regardless of the intention of the payee, different processes are performed as described above depending on when the transfer reservation is accepted and when the financial institution performs the reservation process. However, depending on the payee, there is a case where the deposit process is not desired even if the transfer is reserved during a period in which the account dedicated for transfer exists, since the account dedicated for transfer is canceled and does not exist on the transfer date. On the other hand, even if the transfer-dedicated account is canceled and does not exist on the transfer date, payment processing may be desired for the transfer reserved during the period in which the transfer-dedicated account exists.

  The present invention has been made in view of such problems. The purpose of the present invention is to select whether or not to make a transfer for which a reservation has already been accepted when canceling a transfer-dedicated account. It is to provide a transfer system and method that can be used.

  In order to achieve such an object, the present invention provides a system for selecting whether or not to make a transfer reserved at the time of cancellation of a dedicated account for transfer, Means for transmitting data indicating a transfer reserved at the time of cancellation of the account dedicated for transfer to the human terminal, means for receiving data indicating whether or not to perform the transfer from the payee terminal, and the reception When the transferred data indicates that the transfer is to be made, the payment data is provided to a deposit designated account corresponding to the account to be canceled.

  As described above, according to the present invention, the transferee can grasp the details of the transfer that has already been reserved when canceling the transfer-dedicated account, and whether or not to perform the transfer. It becomes possible to decide for each transfer and to decide at once.

1 is an overall configuration diagram according to an embodiment of the present invention. It is detail drawing of the transfer processing system concerning one Embodiment of this invention. It is an example of the reservation transfer database concerning one Embodiment of this invention. It is an example of the account database only for transfer concerning one Embodiment of this invention. It is a flowchart of the transfer processing method at the time of cancellation of the account only for a transfer concerning one Embodiment of this invention. It is an image of the screen displayed on a payee's terminal. 1 illustrates an exemplary computer that can be used to implement the present invention.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

  FIG. 1 is an overall configuration diagram according to an embodiment of the present invention. The financial institution system 100 is a system of a financial institution that implements the present invention. The financial institution system 100 includes a transfer processing system 110, an ATM 121, and a window terminal 122. The window terminal 122 is a terminal for processing a transfer procedure accepted at a window such as a branch of a financial institution. The transfer person terminal 123 is a terminal such as a transfer person's personal computer. The transfer person makes a reservation for the transfer via the ATM 121, the window terminal 122, and the transfer terminal 123. The payee terminal 130 is a terminal such as a payee's personal computer.

  The transfer processing system 110 can transmit / receive data to / from the ATM 121, the window terminal 122, the transfer person terminal 123, and the transferee terminal 130. Details of the transfer processing system 110 will be described with reference to FIG.

  FIG. 2 is a detailed view of the transfer processing system 110 according to the embodiment of the present invention. The transfer processing system 110 includes a transfer reservation accepting unit 201, a reservation transfer database 202, a transfer-dedicated account database 203, an account cancellation unit 204, a data extraction unit 205, a data transmission / reception unit 206, a transfer execution unit 207, and a transfer cancellation unit 208. included.

  The transfer reservation receiving unit 201 receives a transfer reservation (hereinafter referred to as a transfer reservation). Specifically, the transfer reservation accepting unit 201 receives data indicating the contents of the reserved transfer (hereinafter referred to as “reservation transfer”) from the ATM 121, the window terminal 122, and the transfer person terminal 123. The data indicating the details of the reservation transfer includes information on the account dedicated to the transfer designated as the transfer destination (hereinafter referred to as the account for transfer), the date on which the transfer is scheduled (hereinafter referred to as the transfer date), and transfer An amount of money transferred by a person (hereinafter referred to as a transfer amount), information for specifying a transfer person, and the like are included. The scheduled transfer date includes the specified transfer date when the transfer person makes a reservation by specifying the transfer date, and the transfer date when it was not handled on the same day (the next business day was handled) . Next, the transfer reservation receiving unit 201 stores data indicating the contents of the received reservation transfer in the reservation transfer database 202.

  The reservation transfer database 202 is a database that stores information related to a reserved transfer. Details of the reservation transfer database 202 will be described with reference to FIG.

  FIG. 3 is an example of the reservation transfer database 202. In the reservation transfer database 202, information on the designated deposit account (store number, subject, account number, account name, etc.), information on the dedicated account for transfer (store number, subject, account number, etc.), scheduled transfer date, and transfer person are stored. Information for identifying (transfer person name), data indicating the transfer amount, and the like are stored. Based on the data indicating the details of the reservation transfer received by the transfer reservation accepting unit 201 from the ATM 121, the window terminal 122, and the transfer person terminal 123, information for the account dedicated for transfer, information for the scheduled transfer date, and information for specifying the transfer person The data indicating the transfer amount is stored.

  The account for transfer account 203 is a database for storing information related to the account for transfer and the deposit designated account. With reference to FIG. 4, the details of the account database 203 dedicated for transfer will be described.

  FIG. 4 shows an example of the account database 203 dedicated for transfer. In the deposit-only account database 203, information on the designated deposit account (store number, item, account number, account name, etc.), information on the account dedicated to transfer (store number, item, account number, etc.), Stores data indicating the scheduled cancellation date. Each of the payee-dedicated accounts is designated with a deposit designation account for actual transfer (payment). The “scheduled cancellation date” stores data indicating the scheduled date of cancellation of the account dedicated for transfer, which is determined between the transferee and the financial institution.

  Returning to the description of FIG. The transfer reservation accepting unit 201 performs transfer reservation processing for the deposit designated account based on the transfer reservation made to the account dedicated for transfer. Specifically, the transfer reservation accepting unit 201 refers to the reservation transfer database 202 and specifies a reservation transfer that has not been processed for transfer reservation for the deposit designated account. That is, the transfer reservation accepting unit 201 specifies a reservation transfer in the reservation transfer database 202 that does not store data indicating information on the deposit designated account corresponding to the account dedicated for transfer. The transfer reservation accepting unit 201 searches the transfer-dedicated account database 203 for a deposit designated account corresponding to the specified transfer-dedicated account of the reservation transfer. The transfer schedule receiving unit 201 stores data indicating information of the searched deposit designation account in the “deposit designation account” of the reservation transfer database 202. Therefore, it becomes possible to manage the “payment designated account” and the reservation transfer contents such as “scheduled transfer date”, “transfer person name”, and “transfer amount” in association with each other.

  As described above, the reservation transfer database 202 and the payee-dedicated account database 203 are linked by the information of the payee-dedicated account.

  Returning to the description of FIG. The account cancellation unit 204 performs processing for canceling the account dedicated for transfer. Specifically, the account cancellation unit 204 refers to the “scheduled cancellation date” in the bank account 203 for transfer, and performs processing for canceling the corresponding bank account when a predetermined date and time arrives. Thereafter, the account cancellation unit 204 notifies the data extraction unit 205 of the canceled account for transfer.

  The data extraction unit 205 extracts a transfer that has already been reserved at the time of cancellation of the dedicated account for transfer. (1) When transfer reservation processing is performed for a deposit designated account, and (2) When transfer reservation processing is not performed for a deposit specified account (ie, transfer to a dedicated account for transfer) This will be explained separately in the case where only the reservation is accepted.

  The case of (1) will be described. When the data extraction unit 205 receives the notification from the account cancellation unit 204, the data extraction unit 205 refers to the account database 203 dedicated to transfer. The data extraction unit 205 specifies a deposit designation account corresponding to the canceled transfer-dedicated account in the transfer-dedicated account database 203. The data extraction unit 205 extracts “reservation transfer in which transfer reservation processing is performed for the specified deposit designation account” in the reservation transfer database 202. The data extraction unit 205 uses the data stored in the transfer-dedicated account as “reservation transfer with no scheduled transfer date” based on the data stored on the scheduled transfer date, and from the extracted reservation transfer. Based on this, the “reservation transfer made to the canceled dedicated account for transfer” is extracted.

  The case (2) will be described. When receiving the notification from the account cancellation unit 204, the data extraction unit 205 refers to the reservation transfer database 202. The data extraction unit 205 extracts “reservation transfer in which transfer reservation processing is not performed for the deposit designated account” in the reservation transfer database 202. The data extraction unit 205 uses the data stored in the transfer-dedicated account as “reservation transfer with no scheduled transfer date” based on the data stored on the scheduled transfer date, and from the extracted reservation transfer. Based on this, the “reservation transfer made to the canceled dedicated account for transfer” is extracted. Further, the data extraction unit 205 specifies a deposit designation account corresponding to the canceled deposit-dedicated account in the deposit-dedicated account database 203.

  Upon receiving the notification from the account cancellation unit 204, the data extraction unit 205 executes the above extraction (1) and (2).

  The data transmission / reception unit 206 transmits the data extracted by the data extraction unit 205 to the payee terminal 130. In addition, the data transmission / reception unit 206 receives data indicating whether or not to perform transfer from the transferee terminal 130. Specifically, the data transmission / reception unit 206 transmits data indicating the details of the reservation transfer extracted by the data extraction unit 205 in the above (1) and (2) to the transferee terminal 130. As described above, the data indicating the details of the reservation transfer includes information on a dedicated account for transfer designated as a transfer destination, a scheduled transfer date, a transfer amount, information for specifying a transfer person, and the like. The data transmission / reception unit 206 receives data indicating whether or not the reservation transfer indicated by the data transmitted from the data transmission / reception unit 206 to the transferee terminal 130 is to be performed, from the transferee terminal 130. When the data indicating that the transfer is to be performed is received, the data transmitting / receiving unit 206 transmits data indicating the reserved transfer for performing the transfer to the transfer executing unit 207. On the other hand, when data indicating that no transfer is to be performed is received, the data transmitting / receiving unit 206 transmits data indicating a reserved transfer that is not to be transferred to the transfer canceling unit 208.

  The transfer execution unit 207 deposits a reservation transfer indicated by the data transmitted from the data transmission / reception unit 206. Specifically, the transfer execution unit 207 refers to the reservation transfer database 202 and stores the balance of the “deposit designated account” of the reservation transfer indicated by the data transmitted from the data transmission / reception unit 206 in “transfer amount”. Increase by the amount. The payment can be made on the date stored in the “scheduled transfer date” or any other date. In addition, the account number of the transferred dedicated account is added to the deposit details of the deposit designated account.

  The transfer cancellation unit 208 cancels the reservation transfer indicated by the data transmitted from the data transmission / reception unit 206. In detail, the transfer cancellation unit 208 refers to the reservation transfer database 202 and sets the amount stored in the “transfer amount” for the “transfer person” of the reservation transfer indicated by the data transmitted from the data transmission / reception unit 206. Refund.

  FIG. 5 is a flowchart of a transfer processing method when canceling a dedicated account for transfer according to an embodiment of the present invention. Assume that a scheduled date for cancellation of a dedicated account for transfer is established between the transferee and the financial institution.

  In addition, the transfer reservation receiving unit 201 of the transfer processing system 110 receives data indicating the details of the reservation transfer from the ATM 121, the window terminal 122, or the transfer person terminal 123 and stores it in the reservation transfer database 202 in advance. To do. Specifically, the transfer person operates the ATM 121, makes a transfer application at a branch of a financial institution, or uses Internet banking to make a reservation for a transfer to a dedicated account for transfer. As described above, the data indicating the details of the reservation transfer includes information on a dedicated account for transfer designated as a transfer destination, a scheduled transfer date, a transfer amount, information for specifying a transfer person, and the like.

  In addition, it is assumed that the transfer reservation accepting unit 201 of the transfer processing system 110 performs a transfer reservation process for a deposit designated account corresponding to a payee-dedicated account designated as a transfer destination in advance. Specifically, the transfer processing system 110 refers to the reservation transfer database 202 and identifies a reservation transfer that has not been processed for transfer reservation for the deposit designated account. That is, the transfer processing system 110 specifies a reservation transfer in which no data indicating information of a deposit designation account corresponding to a dedicated account for transfer is stored in the reservation transfer database 202. The transfer processing system 110 searches the deposit-dedicated account database 203 for a deposit designated account corresponding to the specified deposit-dedicated account for the reserved transfer. The transfer processing system 110 stores data indicating information of the searched deposit designation account in the “deposit designation account” of the reservation transfer database 202. Note that there may be a case where the transfer reservation process is not performed for the deposit designated account (that is, only the transfer reservation addressed to the account for transfer is completed).

  In step 501, the account cancellation unit 204 of the transfer processing system 110 performs a process for canceling the transfer-dedicated account whose cancellation date has arrived.

  In step 502, the data extraction unit 205 of the transfer processing system 110 extracts a transfer reserved at the time of cancellation of the account for transfer. Specifically, as described above, the data extraction unit 205 performs (1) a transfer reservation process for a deposit designated account and (2) a transfer reservation process for a deposit designated account. If it has not been made (that is, if only the transfer reservation addressed to the account dedicated for transfer has been completed), extraction is performed from both reservation transfers.

  In step 503, the data transmission / reception unit 206 of the transfer processing system 110 transmits data indicating the reserved transfer extracted in step 502 to the payee terminal 130.

  In step 504, the data transmission / reception unit 206 of the transfer processing system 110 receives data indicating whether or not to perform the reservation transfer indicated by the data transmitted in step 503 from the transferee terminal 130. When it is shown that the transfer is to be performed, the process proceeds to step 505. On the other hand, if it indicates that no transfer is to be made, the process proceeds to step 506.

  In step 505, the transfer execution unit 207 of the transfer processing system 110 deposits the reservation transfer that has received the data indicating that the transfer is to be performed in step 504.

  In step 506, the transfer cancellation unit 208 of the transfer processing system 110 cancels the reservation transfer that has received the data indicating that the transfer is not performed in step 504.

  FIG. 6 is an image of a screen for selecting whether or not to perform the transfer, which is displayed on the payee's terminal 130. As shown in FIG. 6, it is possible to display the details of the transfer reserved for each account dedicated for transfer. The payee can set whether or not to make the transfer for each account dedicated to the transfer, or can set all at once.

  FIG. 7 illustrates an exemplary computer 700 that can be used to implement the present invention. The functions of the transfer processing system 110, the window terminal 122, the transfer person terminal 123, and the transferee terminal 130 can be implemented using the computer 700. The computer 700 includes a control unit 701 such as a CPU, a main storage unit 702 and an auxiliary storage unit 703, an input unit 704, an output unit 705, and a network interface 706. The control unit 701 performs various processes executed in the computer 700. The main storage unit 702 is also called a main memory, and stores various received data, programs, data after arithmetic processing by the programs, and the like. The auxiliary storage unit 703 is a storage device represented by a hard disk (HDD). The input unit 704 receives various inputs to the computer 700, and the output unit 705 performs various outputs performed by the computer 700 via a device such as a display or a printer. The network interface 706 exchanges with external devices.

100 Financial Institution System 110 Transfer Processing System 121 ATM
122 counter terminal 123 transfer person terminal 130 transferee terminal 201 transfer reservation accepting part 202 reservation transfer database 203 transfer dedicated account database 204 account cancellation part 205 data extraction part 206 data transmission / reception part 207 transfer execution part 208 transfer cancellation part 700 computer 701 Control unit 702 Main storage unit 703 Auxiliary storage unit 704 Input unit 705 Output unit 706 Network interface

Claims (7)

A system for selecting whether or not to make a reserved transfer when canceling a dedicated account for transfer,
A database that stores data indicating reserved transfers;
Means for extracting a transfer reserved for a deposit designated account corresponding to the transferred dedicated account to be canceled from the database at the time of cancellation of the transferred dedicated account;
Means for extracting, from the database, a transfer reserved for the account to be canceled to be canceled at the time of cancellation of the account to be transferred.
In the transfer person terminal, means for transmitting data indicating the transfer of the reserved time termination of the transfer-only account,
Means for receiving data indicating whether or not to perform the transfer from the transferee terminal;
And a means for depositing into a deposit designated account corresponding to the account to be transferred that is canceled when the received data indicates that the transfer is to be performed.   2. The system according to claim 1, further comprising means for canceling a transfer reserved when the transfer-dedicated account is canceled when the received data indicates that the transfer is not performed.   The transfer reserved at the time of cancellation of the bank account for transfer is a transfer to the bank account for transfer and a transfer scheduled to be paid after the bank account for cancellation of transfer is cancelled. Or the system of 2. A method executed by a transfer processing system,
Extracting a transfer reserved for a deposit designated account corresponding to the transferred dedicated account to be canceled from a database storing data indicating a reserved transfer at the time of cancellation of the transferred dedicated account; ,
Extracting a transfer reserved for the account to be canceled from the database when canceling the account to be transferred;
In the transfer person terminal, and transmitting data indicating the transfer of the reserved time termination of the transfer-only account,
Receiving from the transferee terminal data indicating whether or not to perform the transfer;
If the received data indicates that the transfer is to be made, the method includes the step of depositing into a deposit designated account corresponding to the account to be transferred that is to be canceled. 5. The method according to claim 4 , further comprising the step of canceling the transfer reserved when the transfer-dedicated account is canceled when the received data indicates that the transfer is not performed. Said transfer being reserved upon termination of the transfer-only account, claim 4, wherein said transfer addressed to the transfer-only account, and said a transfer plan to deposit after the time termination of the transfer-only account Or the method according to 5 . The program for making a computer perform the method as described in any one of Claim 4 to 6 .

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