JP7665290B2 - BANKING SYSTEM, METHOD AND PROGRAM EXECUTED BY THE BANKING SYSTEM - Google Patents

Description

The present invention relates to a banking system that manages accounts with a succession function and succession procedures through a mortis causa gift contract, and a method and program executed by the banking system.

Due to recent changes to inheritance laws and an increase in the number of deaths (inheritors), the number of inheritors subject to inheritance tax is also increasing. Inheritance procedures generally involve a lot of work, such as the need to submit many documents and the time and effort required for heirs to negotiate with each other, which places a burden on heirs.

When there are many different types of financial assets, it takes time and effort to revalue them based on their current value, convert them into cash if necessary, and then transfer the assets. To address this issue, a system that supports the succession of financial assets is known (Patent Document 1).

JP 2016-045604 A

However, the invention disclosed in Patent Document 1 is not based on a mortis causa gift contract, so after receiving notification of the death, the bank employee checks the registered information and makes a proposal to the heirs, after which the inheritance procedures are carried out. In addition, information such as "who," "what," and "how" regarding assets to be inherited or disposed of is not based on a contract between the user and the heirs, and there is no guarantee that the user has had prior discussions with the heirs.

The present invention has been made to solve these problems, and aims to provide a bank system, a method and a program executed by the bank system, which supports the conclusion of a mortis causa gift contract between a customer (the decedent) and an heir, and which executes inheritance-related asset transfer processing in accordance with the contents of the contract in response to the occurrence of an inheritance event.

In order to solve the above problems, a bank system according to one aspect of the present invention comprises:
In response to receiving inheritance initiation information associated with a first user, determining whether the first user has applied for a succession contract;
If the determination indicates a positive result, generating asset transfer data from a first account to a second account based on a succession condition associated with the first user, the first account being associated with the first user and the second account being associated with the second user;
The asset transfer process is configured to perform an asset transfer process according to the asset transfer data,
The contract data associated with the inheritance conditions is signed by the first user and the second user.

According to the present invention, assets can be transferred to a second user on an account-by-account basis from a first user. In addition, since the distribution ratio to each successor is determined in advance by a death gift contract between the first user and the second user, when the first user dies, inheritance can be carried out according to this ratio, eliminating the need to submit documents such as an estate division agreement and a certified copy of the family register, which were previously required. In the case of a couple where one spouse is a foreigner, except for certain countries, inheritance procedures can be completed easily without relying on the home country law of the foreign spouse.

According to the present invention, if the assets held by the first user at another bank are transferred to the first account, the burden on the second user at the time of inheritance is reduced, and the financial institution's AUM (Asset Under Management: total assets under management (balance)) can be increased. In addition, every time a financial institution employee accesses the customer master, it is explicitly indicated that the first user is a user of the service described in this specification, making it easier for the financial institution employee to take action to prevent customer churn.

A more detailed understanding of the embodiments disclosed herein can be had from the following description, taken in conjunction with the accompanying drawings, in which:
1 is a configuration diagram of an entire system including a bank system according to an embodiment of the present invention. 1 is a system configuration diagram of a bank system according to an embodiment of the present invention. 1 is a diagram illustrating a data structure of a customer master according to an embodiment of the present invention. 1 is a diagram illustrating a data structure of account information according to an embodiment of the present invention. FIG. FIG. 13 is a diagram illustrating the flow of the process for concluding a mortis causa gift contract executed by the bank system according to the present invention. FIG. 1 is a diagram illustrating an asset transfer process flow executed by the bank system according to the present invention.

(Overall composition)
Fig. 1 is a configuration diagram of an entire system including a bank system 10 according to the present invention. A financial institution 1 owns and operates the bank system 10. A financial institution 2 owns and operates another bank system 13. The bank system 10 is connected to a first terminal 11, a second terminal 12, and the other bank system 13 via a network. Although only one of each element is shown in Fig. 1, there may be a plurality of these elements.

In this specification, the customer (the person who will be the heir) will be referred to as the "first user" and the person who will be the heir will be referred to as the "second user." The first user has an account at financial institution 1, and the second user may have an account at financial institution 1 or at financial institution 2.

The bank system 10 is a system capable of handling deposit operations, loan operations, domestic exchange operations, foreign exchange operations, and the like. For the purpose of explanation, this specification will mainly describe, among the main functions of the bank system 10, a function for supporting the conclusion of a mortis causa gift contract between a first user and a second user, and a function for executing an inheritance-related asset transfer process in accordance with the contents of the contract in response to the occurrence of an inheritance event.

The first terminal 11 is a terminal used by a first user and is any type of device capable of operating in a wired and/or wireless environment. The second terminal 12 is a terminal used by a second user and is any type of device capable of operating in a wired and/or wireless environment.

The other bank system 13 is a system capable of handling deposit operations, lending operations, domestic exchange operations, foreign exchange operations, etc., and can have account information of the second user. The other bank system 13 may also have an account of the second user to which the assets held by the first user are transferred in the event of inheritance procedures arising from the death of the first user. Financial institution 1 and financial institution 2 are different banks. The network between the bank system 10 and the other bank system 13 is, for example, an interbank network system such as the All Banks System.

(System Configuration)
Fig. 2 is a system configuration diagram of a bank system 10 according to the present invention. As shown in Fig. 2, the bank system 10 may include a control unit 101, a main memory unit 102, an auxiliary memory unit 103, an interface (IF) unit 104, and an output unit 105, which are interconnected by a bus 120 or the like, like a general computer. The bank system 10 may also include a customer master 106 and account information 107, and the account information 107 may include a first account 107-1 and a second account 107-2. The first account 107-1 is an account associated with a first user, and the second account 107-2 is an account associated with a second user.

The control unit 101, also called the central processing unit (CPU), controls each component in the bank system 10 and performs data calculations, and can also read and execute various programs stored in the auxiliary storage unit 103 into the main storage unit 102. The main storage unit 102, also called the main memory, can store various received data, computer-executable instructions, and data after calculation processing based on those instructions. The auxiliary storage unit 103 is a storage device such as a hard disk drive (HDD), and is used for long-term storage of data and programs.

In the embodiment of FIG. 2, an embodiment in which the control unit 101, main memory unit 102, and auxiliary memory unit 103 are provided in the same computer is described, but in another embodiment, the bank system 10 can be configured to realize parallel distributed processing by multiple computers by using multiple control units 101, main memory units 102, and auxiliary memory units 103. In another embodiment, it is also possible to install multiple servers for the bank system 10, and have the multiple servers share a single auxiliary memory unit 103.

The IF unit 104 acts as an interface when sending and receiving data with other systems and devices, and can also provide an interface that accepts various commands and input data (various masters, tables, etc.) from a system operator. The output unit 105 can provide a display screen that displays processed data and a printing means for printing the data.

The customer master 106 is a master table that stores information about customers who have opened accounts at the financial institution 1. The account information 107 is a file that stores data on accounts associated with customers (e.g., yen deposit accounts, foreign currency deposit accounts, accounts for various financial products such as investment trusts, etc.). The account information 107 includes a first account 107-1 and a second account 107-2. The first account 107-1 is an account associated with a first user, and the second account 107-2 is an account associated with a second user. The first account 107-1 and the second account 107-2 are separated for the purpose of explanation, and have a common data structure as shown in FIG. 4.

Now, with reference to Figures 3 and 4, we will explain the customer master 106 and the account information 107 in detail.

Figure 3 illustrates an example of the data structure of the customer master 106. The customer master 106 can include, but is not limited to, the following data items: customer ID 301, customer information 302, succession contract flag 303, succession conditions 304, and contract 305.

The customer ID 301 indicates an identifier for identifying a customer within the financial institution 1. The bank system 10 identifies each customer based on the customer ID 301. The customer information 302 indicates customer information such as the customer's name, address, telephone number, email address, date of birth, age, and gender. The succession contract flag 303 is a flag indicating whether the account is an account with a succession function based on a mortis causa gift contract, and if this flag indicates a specified value, the succession procedure is executed by the bank system 10 based on predetermined conditions (succession conditions 304) when an inheritance event occurs.

The inheritance conditions 304 indicate the identification information of the assets to be inherited and the conditions under which the inheritance procedure is carried out. For example, the inheritance conditions 304 may indicate the type of assets to be inherited by the inheritor (e.g., yen deposits, foreign currency deposits, investment trusts, some or all of other financial products), and if the first user has three heirs (second users) (e.g., the eldest son, the eldest daughter, and the second son), the inheritance conditions 304 may indicate that the respective inheritance rates are 40%, 30%, and 30%, and the inheritance conditions 304 may indicate the respective account information of the second user to which the assets are to be transferred (e.g., the account identifier of the second user, etc.). The types of assets are not limited to the above examples, and may be roughly grouped (e.g., a deposit group, an investment trust group, etc.). The deposit group includes various deposits, and the investment trust group includes various investment trusts. The succession condition 304 can indicate that when there are multiple second users, each second user has the same succession ratio for all asset types. For example, when there are three second users as in the above example, the succession ratios for yen deposits may be 40%, 30%, and 30%, and similarly, the succession ratios for foreign currency deposits may also be 40%, 30%, and 30%. Alternatively, when there are multiple second users, the succession condition 304 can indicate that each second user has a different succession ratio for each asset type. For example, when there are three second users as in the above example, the succession ratios for yen deposits may be 40%, 30%, and 30%, while the succession ratios for foreign currency deposits may be 90%, 10%, and 0%.

Contract 305 indicates information on the contents of the mortis causa gift contract concluded between the first user and the second user. Contract 305 may include text information read from the contract and electronic data of the contract. The assets to be inherited indicated by inheritance conditions 304 may be added or replaced as appropriate at the request of the first user. When an addition or replacement is made, the contract may be re-created in certain cases (for example, when there is an increase or decrease in the number of second users, a change in the target person, or a change in the inheritance ratio).

Figure 4 illustrates an example of the data structure of account information 107. Account information 107 is not limited to the following data items, but may include customer ID 301, yen deposit account information 401, foreign currency deposit account information 402, securities account information 403, and other financial product account information 404.

The customer ID 301 is the same as the data item stored in the customer master 106, so a description is omitted. Yen deposit account information 401 includes information such as balance information, deposit and withdrawal information, and fixed-term deposits of yen deposit accounts associated with the customer. Foreign currency deposit account information 402 includes information such as balance information, deposit and withdrawal information, and fixed-term deposits of foreign currency deposit accounts associated with the customer. The foreign currency may be of a single type or multiple types. Securities account information 403 includes information on assets held such as investment trusts, stocks, and bonds. Other financial product account information 404 includes information on financial products that do not fall under the yen deposit account information 401, foreign currency deposit account information 402, and securities account information 403.

(Process flow: Processing for concluding a mortis causa gift contract)
A process flow for concluding a mortis causa gift contract executed by the bank system 10 according to the present invention will be described with reference to Fig. 5. In Fig. 5, a first terminal 11 is used by a first user, and a second terminal 12 is used by one or more second users. In this process flow, an electronic signature may be used.

In S501, the first user accesses the bank system 10 via the first terminal 11 and inputs application information for the mortis causa gift contract (e.g., the intention to apply, the designation of one or more inherited assets, the designation of the successors, the inheritance ratio for each successor, the contact information for each successor, etc.). The first terminal 11 transmits the input application information to the bank system 10. The type of inherited assets can be arbitrarily designated by the first user. For example, if the user has yen deposits and foreign currency deposits, the user can designate only yen deposits. In addition, the inheritance ratio for each successor can be different for each inherited asset. For example, the ratio of foreign currency deposits can be set higher for the first successor, and the ratio of investment trusts can be set higher for the second successor. When the first user submits a form containing application information for the mortis causa gift contract to the financial institution 1, the person in charge at the financial institution 1 may input the application information into the bank system 10.

At S502, the bank system 10 registers information on the succession conditions 304 in association with the customer ID 301 of the first user based on the received application information. The bank system 10 generates contract data based on the received application information and transmits it to the first terminal 11 of the first user.

In response to receiving the contract data at S503, the first user confirms and signs the contract data via the first terminal 11. The first terminal 11 transmits the contract data confirmed and signed by the first user to the bank system 10, and the bank system 10 receives the contract data with the signature of the first user. The bank system 10 according to the present invention may be configured to include a function for electronic contracts.

At S504, the bank system 10 reads out the information on the account succession conditions 304 associated with the first user, and sends a confirmation request for the contract data signed by the first user to one or more second users based on the contact information (e.g., email address) of each successor that has been read out. If there are multiple second users, the bank system 10 can send the confirmation requests according to a predetermined order.

In S505, in response to receiving the confirmation request via the second terminal 12, the second user confirms and signs the contract data to agree to the contents of the contract. That is, the second terminal 12 confirms and signs the contract data provided by the bank system 10, and transmits the agreed contract data to the bank system 10. The agreed contract data includes the signatures of the first user and the second user. In one embodiment of the present invention, the contract data is circulated to the second user (successor) in a predetermined order, and can be confirmed and signed by multiple second users. In such a case, a confirmation request is sent to the first second user, and in response to the first second user confirming and signing the contract data, the bank system 10 transmits a confirmation request to the next second user. In this way, when confirmation requests are made to all second users and confirmation and signing are performed by all second users, the agreed contract data is transmitted to the bank system 10 from the second terminal 12 of the second user who last confirmed and signed.

At S506, the bank system 10 confirms and signs the agreed contract data, and the signed agreed contract data is stored in the contract 305 in association with the customer ID 301, the succession contract flag 303, and the succession conditions 304. The value of the succession contract flag 303 indicates that the customer's account is an account with a succession function under a mortis causa gift contract. The contract data stored in the contract 305 is contract data to which confirmation and signatures by the first user, the second user, and the financial institution 1 have been added.

At S507, the bank system 10 transmits the signed agreed contract data to the first terminal 11 and one or more second terminals 12.

In the above, all the processes from the initial application are performed by computer, but some or all of the procedures from S501 to S507 can also be performed on paper. For example, the contract data generated in S502 is printed and the paper contract is delivered to the first user. The paper contract is then circulated between the first and second users, and the necessary items are filled in. The first user submits the paper contract to the financial institution 1, and the person in charge at the financial institution 1 inputs the data into the bank system 10 based on the contents of the submitted contract. The bank system 10 stores the information on the succession contract flag 303, succession conditions 304, and contract 305 associated with the customer ID 301 of the first user in the customer master 106. The person in charge at the financial institution 1 then sends copies of the contract to the first and second users.

(Process flow: Processing for concluding a mortis causa gift contract)
Next, the flow of an asset transfer process executed by the bank system 10 according to the present invention will be described with reference to FIG.

At S601, the bank system 10 receives inheritance start information associated with the first user from the second terminal 12. This inheritance start information is data input by the second user via the second terminal 12.

In S602, in response to receiving the inheritance start information, the bank system 10 queries the customer master 106 based on the customer ID 301 of the first user associated with the inheritance start information, and determines whether the first user has applied for a succession contract. If there is a succession contract, processing proceeds to S603, and if there is no succession contract, processing proceeds to S606.

In S603, the bank system 10 generates asset transfer data (e.g., transfer data, etc.) for transferring assets in the first account 107-1 to the second account 107-2 based on the information in the inheritance conditions 304 associated with the first user. For example, if the deceased first user has three heirs (e.g., the eldest son, eldest daughter, and second son) with inheritance rates of 40%, 30%, and 30%, respectively, and the first account has yen deposits of 10 million yen, US dollar deposits of 5,000 dollars, and 2,000 shares of the investment trust "Product Name A," the asset transfer will be performed as shown in Table 1, and the bank system 10 will generate asset transfer data corresponding to the asset transfer.

In the example of Table 1, an example is described in which all successors have opened accounts at Financial Institution 1, but in other embodiments of the present invention, one or all successors may have opened accounts at Financial Institution 2. It is also possible to vary the inheritance ratio for each type of inherited asset. For example, the eldest son could inherit all investment trusts and stocks, while the eldest daughter and second son could inherit 50% each of yen deposits and foreign currency deposits.

In S604, the bank system 10 performs an asset transfer process (e.g., a money transfer process) from the first account to one or more second accounts in accordance with the asset transfer data generated in S603. If one or more of the second accounts are in the financial institution 2, the bank system 10 transmits the asset transfer data to the other bank system 13.

At S605, the bank system 10 sends a notification of completion of the process to one or more second users who are successors. The second terminal 12 associated with the second users receives the notification of completion of the process.

At S606, the bank system transmits to the second terminal 12 information about the need for normal inheritance procedures for the first user and the procedures required for inheritance.

In one embodiment of the present invention, each time a bank employee of financial institution 1 accesses the customer master, bank system 10 can explicitly indicate that the first user is a user of the service described in this specification, making it easier for the bank employee to take action to prevent customer churn. For example, if the first user is attempting to close an account, the bank system can inform the user that they have already signed up for this service, and when making proposals to the customer, bank system 10 can make proposals based on whether or not the user has signed up for this service.

The principles of the present invention have been described above with reference to exemplary embodiments, but those skilled in the art will understand that various embodiments that change the configuration and details can be realized without departing from the gist of the present invention. In other words, the present invention can be embodied, for example, as a system, device, method, program, or storage medium.

Reference Signs List 1, 2 Financial institution 10 Bank system 11 First terminal 12 Second terminal 13 Other bank system 101 Control unit 102 Main memory unit 103 Auxiliary memory unit 104 Interface (IF) unit 105 Output unit 106 Customer master 107 Account information 107-1 First account 107-2 Second account

Claims (11)

A banking system for managing an account with a succession function and a succession procedure by a mortis causa gift contract, the banking system comprising:
A communication unit for communicating with an external network;
A storage unit for storing customer master data;
Control unit and
The control unit includes:
In response to receiving inheritance start information associated with a first user via the communication unit , querying the customer master based on a user identifier of the first user and determining whether or not agreed-upon contract data signed by the first user and a second user is present;
When it is determined that the agreed contract data exists , asset transfer data is generated from a first account to a second account based on inheritance conditions associated with the first user without transmitting information on normal inheritance procedures for the first user and procedures required for inheritance to the second user via the communication unit , wherein the first account is associated with the first user and the second account is associated with the second user ;
Performing an asset transfer process in accordance with the asset transfer data.
A banking system configured to : The banking system of claim 1, wherein the inheritance conditions indicate that each of the second users has the same inheritance ratio for all asset types. The bank system of claim 1, wherein the inheritance conditions indicate that each of the second users has a different inheritance ratio for each type of asset. The control unit is
In response to receiving application information for a mortis causa gift contract via the communication unit , the succession conditions based on the application information are associated with the first user and registered in the customer master , and contract data based on the application information for the mortis causa gift contract is generated and transmitted to the first user via the communication unit ;
Receiving contract data with a signature of the first user via the communication unit ;
sending a request for confirmation of the contract data signed by the first user to one or more second users via the communication unit based on contact information of the second user included in the inheritance conditions associated with the first user;
receiving agreed-upon contract data signed by the first user and the second user , and storing the agreed-upon contract data in the customer master in association with the first user ;
The banking system of claim 1 , further configured to : The bank system of claim 4, wherein the confirmation request is sent to a plurality of the second users in a predetermined order, and the signatures of the second users are added to the contract data signed by the first user. A method executed by a bank system that manages an account with a succession function and a succession procedure by a death gift contract , comprising:
The bank system includes:
A communication unit for communicating with an external network;
A storage unit for storing customer master data;
Control unit and
The method comprises:
In response to receiving inheritance start information associated with a first user via the communication unit , the control unit queries the customer master based on a user identifier of the first user to determine whether or not agreed-upon contract data signed by the first user and a second user is present;
When it is determined that the agreed contract data exists , the control unit generates asset transfer data from a first account to a second account based on inheritance conditions associated with the first user, without transmitting information on the need for normal inheritance procedures for the first user and procedures required for inheritance to the second user via the communication unit , wherein the first account is associated with the first user and the second account is associated with the second user;
The control unit performs an asset transfer process in accordance with the asset transfer data. The method of claim 6, wherein the inheritance conditions indicate that each of the second users has the same inheritance percentage for all asset types. The method of claim 6, wherein the inheritance conditions indicate that each of the second users has a different inheritance ratio for each type of asset. In response to receiving application information for a death gift contract via the communication unit, the control unit associates the succession conditions based on the application information with the first user and registers them in the customer master , and generates contract data based on the application information for the death gift contract and transmits it to the first user via the communication unit .
the control unit receives contract data with a signature of the first user via the communication unit ;
The control unit transmits a request for confirmation of the contract data signed by the first user to one or more of the second users via the communication unit based on contact information of the second user included in the inheritance conditions associated with the first user;
The method of claim 6, further comprising: the control unit receiving agreed-upon contract data signed by the first user and the second user , and storing the agreed-upon contract data in the customer master in association with the first user . 10. The method of claim 9, wherein the confirmation request is sent to a plurality of the second users according to a predetermined order, and a signature of the second user is added to the contract data with the signature of the first user . A program for causing a computer to execute the method according to any one of claims 6 to 10.

Images