JP2000293610A - Transfer processing method and input and output device for bank system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system for specifying a payer by an account number being the destination of transfer. SOLUTION: Whether or not an account number being the destination of transfer is an account number exclusive for transfer is checked by table retrieval. As the result of table retrieval, when the account number is not the account number exclusive for transfer (S302: NO), normal ledger payment processing is operated (S308). When the account number is the account number exclusive for transfer, the account number being the destination of transfer or related information is added to a prescribed part (S304). The account number being the destination of transfer is changed to a legal account number (S306). The normal ledger payment processing is operated (S308), and processing is executed to the legal account. Afterwards, the transfer is announced to an enterprise to which money is transferred by a reduction ledger chart (S314) or electronic information (S312) in an EB service. At that time, the account number exclusive for transfer or related information for each payer is added to the prescribed part, and announced. The enterprise which sets the account exclusive for transfer can specify the payer from the account number used for this transfer.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention
The present invention relates to a transfer process from an M (automated teller machine) or the like, and particularly relates to a transfer processing method capable of specifying a payer and an input / output device of a bank system.

[0002]

2. Description of the Related Art FIG. 1 shows a banking system using a current computer. Computer Center 11
The computer system 112 is a sales office system 120 installed in each branch or the like, and a customer-side system 1
30, a center 140 such as an external financial institution, and SW
It is connected to an IFT regional center and the like via a communication control device 114. Then, processing of a unified ledger and the like of the bank is performed.

[0003] At present, such interconnected financial systems are common, and payment of commercial transactions and the like is transferred to a bank account of a counterparty using a bank system as shown in FIG. What is done in is widely done.

[0004] In particular, with the spread of terminals such as ATMs, payments by transfer using these machines have been made. In this case, if there are many payers who make a transfer to a certain company, it is not easy to specify the payer who made the transfer.

For example, when making a transfer from an ATM using a cash card, if the account holder and payer are not the same, it is necessary to re-enter the name.
If this input is neglected, there may be a case where the billing party and the payer conflict.

[0006] Currently, in Japan, the name of the transfer person in the transfer between banks is displayed in kana. Therefore, when specifying with the first and last name, there may be a case where it is impossible to specify because there are many same names.

In some cases, a payer code or the like is provided so that the code is always input.
However, the payer sometimes forgets to give the payer code or the like or makes a mistake in the code, and it is difficult to thoroughly input a correct code to all the customers.

[0008]

SUMMARY OF THE INVENTION It is an object of the present invention to provide a transfer processing method and an input / output device of a bank system for surely specifying a payer by transfer and without excessive burden on the transferor. It is.

[0009]

In order to achieve the above-mentioned object, the present invention provides a bank system for performing a transfer using a plurality of related accounts associated with a payer, the funds transferred to the plurality of related accounts. Means for performing a payment process on a specific account for collecting, and transfer information to the related account,
Output means for adding account-related information of a related account associated with a payer and / or a number specifying the related account and outputting the same, and means for storing the output transfer information as transfer information of the specific account And inputting information for transferring funds to a plurality of related accounts from the input device to the bank system.

[0010] In the present invention, the payer by transfer can be specified by the related information of the transferred account and the number for specifying the account, so that the payer can be specified without any burden on the transferor. it can.

The means for performing the fund depositing process includes a means for detecting whether the transferred account is a related account associated with the payer, and, when the account is the related account, a correspondence with the specific account. And a means for performing a payment process on the specific account.

[0012] With this configuration, every time a transfer is made, the funds transferred can be deposited in a specific account.

The means for associating with a specific account includes:
This can be realized by replacing the number of the related account with the number of a specific account, adding a parent account number of the related account, or the like.

[0014] Also, without performing the payment processing to the related account,
Payment processing to the specific account can be performed. Since there is no need to perform the payment process for the related account, the load of computer processing is reduced accordingly, and since there is no need to accumulate information corresponding to the related account, the disk capacity to be prepared can be reduced.

[0015] After the payment processing to the relevant account,
Payment processing to the specific account can also be performed.

[0016] In these bank systems, the load on the computer can also be reduced by performing at least batch processing of depositing the account of the specific account number by batch processing.

In the banking system, the means for performing the deposit processing of the fund may be executed as another processing after completing the transfer deposit processing to the related account.

With such a configuration, the transfer to the related account can be processed as the transfer to a normal account.

The means for storing the transfer information as the transfer information of the specific account prepares a file for only managing the information, and stores the transfer information for the specific account in the file for only managing the information. By doing so, the process of transferring funds to an account and the process of managing information can be separated.
In addition, after performing the aggregation process of the transfer information to each specific account,
The file can be updated with the consolidated transfer information.

[0020] By configuring the bank system as described above,
In addition to aggregating the transfer information to a company having a plurality of related accounts, it is possible to specify the payer by the transfer based on the number specifying the related account and information related thereto.

[0021]

DESCRIPTION OF THE PREFERRED EMBODIMENTS The present invention can be realized in various embodiments. First, the characteristic structure of the present invention will be described in detail.

According to the present invention, the identification of the payer by transfer is
This is done using a number that specifies the account associated with the payer. Therefore, in the present invention, (1) a plurality of accounts associated with the payer are prepared. (2) The funds transferred to this account are transferred to an account for collecting recipients. (3) Transfer information for each account is collected and concentrated as transfer information for the account. (4) When concentrating as transfer information for a collecting account,
A number specifying the account associated with the payer is also included in a part of the transfer information.

As described above, by processing the transfer,
Not only can the payer be specified by the number or the like that specifies the account transferred, but the funds can be concentrated on the specific account of the payee, so that the funds can be managed collectively. Further, since the transfer information is also concentrated, payment information such as who made the transfer and when can be managed centrally.

The following specifically describes, with reference to the drawings, how the present invention is specifically implemented in each of the following embodiments. The embodiments of the present invention are all described in FIG.
Is processed by a banking system as shown in (Embodiment 1) An embodiment of the present invention will be described with reference to FIGS.

An account (account number 12345) at bank branch A
67) to the company X having the account number (for example, 200001 to 209)
9999) is set as the transfer-only account of the company X. The account number is notified to the company X. The transfer-only account number set for the company X is not used for general account opening.

The company X that has received the notification appropriately assigns the account number dedicated to the transfer to the transferees (for example, the transferees A to Z). Then, this is notified to the transferee. This notification
What is necessary is just to notify by describing as a transfer account in a bill etc.

The transferor may store the ATM terminal 122 at the other branch of the same bank in FIG. 1 or the ATM terminal of another affiliated financial institution in the account assigned to himself at the bank branch A. Transfer from. This account is the account number notified by a bill or the like.

This transfer includes not only the above-mentioned ATM terminal but also various transfer methods such as magnetic tape, electronic banking (EB) and telephone banking using the personal computer shown in FIG.

Now, the computer center 110 of the bank in which the account of the company X has been transferred in this way.
Payment processing in the computer system 112 of
This will be described with reference to the flowchart of FIG. 3 and FIG.

FIG. 3 shows the relevant portion of the deposit processing according to the present embodiment. In the transfer deposit processing of FIG. 3, first, it is checked by a table search whether the account number of the transferred account is the account number of the dedicated transfer account (S30).
2). FIG. 4 shows an example of the table used here.

As shown in FIG. 4A, the table used in the above-described table search is a comparison table between the account number of the transfer-only account and the account number of the account (legal account) to be consolidated. It is.

As a result of the table search, if the account is not a transfer-only account (NO in S302), a normal ledger deposit processing is performed (S308). If it is the account number of the transfer-only account, the transferee account number or information related to the transferee account is added to a predetermined portion of the payment statement in accordance with the options shown in the table of FIG. 4 (S30).
4).

At this time, options include, for example,
Option number 001 is prefixed to the name of the payee who has the account number to be transferred, option number 002 is attached after the name of the payee who has the account number to be transferred, and option number 003 is the name of the payee. For example, the account number is set in the transfer requester code.

By specifying an option,
Further, for example, by using the table of the account number to be transferred and the information related thereto shown in FIG. 4B, information (for example, a customer number or the like) related to the transferred account is obtained, and this is obtained. It can be added, or it can be added to a predetermined location instead of the account number to be transferred.

The account number to be transferred is changed to a valid account number according to the comparison table in FIG. 4 (S306). Then, normal ledger deposit processing is performed (S308), and processing is performed on the account of the changed legal account number.

Thereafter, a transfer notice is sent to the company that has received the payment, using a return book table (S314) or, in the case of the EB service, electronic information (S312) such as a magnetic tape. At this time, in the above-described processing, the account number dedicated to the transfer for each payer or the related information is given to a predetermined portion of the transfer receipt and notified. Therefore, in the company X which has set up a transfer-only account, the payer can be specified by the account number or the like used for the transfer.

The relationship between these series of processes will be described in detail with reference to FIG. First, the company X notifies the business partners A and B of the transfer destination accounts by writing separate transfer-only account numbers (200001 and 2000002) on the bill. A and B notified
Transfers the requested amount to the account of each account number notified by X using an ATM. In FIG.
Payer A transfers only 29,700 yen obtained by subtracting the transfer fee from the billed amount of 30,000 yen from his / her branch. In addition, payer B is paid by transferee B ', the wife of B, using an ATM of another bank.

The deposits of A and B transferred as described above are performed in the center shown in FIG. I do. The account number transferred is added to the remarks column in the payment details for the legitimate account for which the company X is collected. Company X can use the receipt details sent as electronic information in the EB, specify the payer using the account number added to the receipt details, and match with the billing details.

As described above, by allocating the account number dedicated to the transfer to each payer, the payer can be reliably specified without increasing the burden on the payer.

In the above-described processing, a serial number is shown as an example of an account number to be allocated as an account number dedicated to transfer, but it is not always necessary to use a serial number. For example, the account number to be used can be limited by using the verification numerical value. Further, the process of detecting the account number dedicated to the transfer is performed by table search, but other detection processes may be used.

In the above-described processing, the transfer-only account number is replaced with a valid account number for managing the transfer, but there is another embodiment. (Embodiment 2) This embodiment 2 is based on a system capable of processing a hierarchically structured account number of a parent account number and a branch account number. This system is a system that can usually process an account on behalf of a parent account number. The account number of the branch is assigned to each payer and used as a transfer-only account in the payment process. This will be described in detail with reference to FIGS.

In FIG. 6, branch numbers 2000001 to 20999999 are allocated as transfer-only accounts to the company X having the parent account number 1234567 at the branch A of the bank. The account number which is the branch number is notified to the company X.

The company X notifies the transferees A to Z of the notified account number as the branch number in the company X. This notice can be given by describing it as a transfer destination on a bill or the like.

As shown in FIG. 1, the current bank system has a network configuration with other systems. In such a network system between banks (for example, the Zengin system in FIG. 1), the number of digits that can be sent as an account number is usually specified as seven. Therefore, the account numbers that can be sent are
Only branch numbers can be sent. For this reason, the transferor is notified only of the branch number as the account number for the transfer.

The transferor uses the branch number designated as the transfer destination in this invoice or the like to send an ATM to the company X.
Transfer using such as

The remittance processing performed at the bank center where the account of the company X is located will be described with reference to the flowchart of FIG. In FIG. 7, first, it is checked whether the account number used for the transfer is a branch number having a parent number. This can be performed by a table search using, for example, a table as shown in FIG. 8, which is a comparison table between the branch numbers and the parent numbers (S702). If it is determined that the account number is not a branch number (NO in S702), a ledger payment process (S708) is performed using the account number used for the transfer as a parent number. If it is a branch number (YES in S702), a corresponding parent number is added. Then, processing relating to the display of the branch numbers is performed according to the options in the table shown in FIG.

The options at this time include, for example,
The option number 001 is attached to the head of the input transferee name, the option number 002 is added after the input transferee name, the option number 003 is set to the transfer requester code, and the like.

By specifying an option,
Further, for example, by using the table of the account number to be transferred and the information related thereto shown in FIG. 8B, information (for example, customer number) related to the transferred account is obtained, and this is obtained. It can also be added to a predetermined part of the receipt details.

Next, a ledger deposit processing (S708) is performed using the added parent account number and branch number. The deposit account has a hierarchical structure of the parent account number and the branch number, and the money received by the transfer using the branch number is transferred to the account of each branch number of the parent account number. Since the branch number corresponds to the payer, the payer can specify the branch number by looking at the account of the branch number. Therefore, whether the transfer information is transferred to the company X as electronic information by the electronic banking service (S712) or whether the transfer information is transferred as a redemption book (S714) is displayed for each branch number. Can be identified.

In the above-described processing, the numbers assigned as branch numbers have been described as serial numbers, but the numbers need not always be serial numbers. For example, the account number to be used can be limited by using the verification numerical value. Also,
The process of detecting branch numbers is performed by table search,
Other detection processes may be used.

The above description has been made on the case where only seven digits can be sent as an account number in communication between banks. In the communication between banks, etc., when the number of digits more than the parent number + branch number can be sent as the account number,
It is possible to send parent number + branch number. in this case,
As described above, there is no need to detect a branch number from a table or the like and add a parent number. After detecting whether the number is a hierarchical structure number, it is necessary to perform processing of the hierarchical structure. In such a case, if the number of digits increases when a branch number is added,
Alternatively, it is possible to detect that an account number having a hierarchical structure of parent number + branch number has been sent, for example, by indicating a configuration of parent number-branch number (for example, hyphen or the like). In the subsequent processing, deposit / withdrawal processing is performed on the account or the like of the parent number according to the hierarchical number structure.

As described above, funds and information can be concentrated on accounts to be collected using a hierarchical account structure. (Embodiment 3) In Embodiments 1 and 2 described above, payment to a legitimate account or parent account is made in real time. However, transfer information is stored in a temporary file, and batch information is transferred to the legitimate account or parent account. Payment processing can be performed. By performing such processing, the load of computer processing can be reduced.

A case where this batch processing is applied to the first embodiment will be described with reference to FIG. In the transfer payment process, similarly to the process (S302) of FIG. 3, first, it is checked by a table search whether the account number of the transferred account is an account number of a dedicated transfer account (S902). If the account is not a transfer-only account (NO in S902), a normal transfer payment process is performed. If the account is a transfer-only account (YES in S902), transfer information is written to a temporary file (S9).
04). In the subsequent processing, batch processing is performed using the transfer information written in the temporary file.

Processing after reading the transfer information from the temporary file in the batch processing (S906) (S908 to S908)
918) is the same as the processing of S304 to S314 in FIG.

By performing the batch processing as described above,
The process of depositing money into a legitimate account can be performed, for example, at the end of one day's work or several times a day.

This batch processing can be similarly applied to the second embodiment.

As described above, the payment processing is not performed every time the transfer is performed, but can be performed once or several times a day, for example, so that the load on the computer can be reduced. (Embodiment 4) In the processing of the above-described first to third embodiments, the payment process is not performed on the account to be transferred (transfer-only account). However, the payment processing may be performed on the account to be collected after the payment processing on the transfer-receiving account is performed. In this case, the transfer process from the account to be transferred to the account to be consolidated is performed, but the initial transfer person name and the account number to be transferred to the account to be transferred are added to the payment details of the transferred account.

This processing will be described in detail with reference to FIG. When the transfer process is performed, a process of depositing the account with the account number of the normal transfer is performed (S1012). If the transfer of the account to the ledger is specified, the withdrawal process is performed after the ledger deposit process (S1018), and the initial transfer person name and the account number to be transferred are entered into the deposit statement. (S1020), and performs a payment process to the account to be consolidated (S1022).

The processing after the transfer processing to the account for performing the above-mentioned collection (S1014 and thereafter) can be performed by a batch processing. For example, the processing load on the computer can be reduced by performing the transfer process to the legal account once or several times a day.

These processes are performed in the second embodiment.
Can be applied to the processing of the branch account.

It is also possible to convert the transfer account number into information related to the transfer account using a table, for example, and to add the information.

In the above-described embodiment, some processing is performed every time a transfer occurs. However, every time a transfer occurs,
There is no need to perform any processing for summarizing. Such processing will be described below.

The processing of the embodiment described below is based on the premise that a plurality of accounts are provided corresponding to payers, and that the accounts can be subjected to a deposit processing. Therefore, the transfer process for the account provided for the payer is a normal transfer process. Thereafter, the funds for each account are collected in an account for collecting the payees, and the transfer information is unified. (Embodiment 5) The processing of Embodiment 5 will be described with reference to the flowchart of FIG. As a premise, an account (designated account) designating an account to be collected is prepared for the payer. This account is subjected to a transfer and payment process as usual. This transfer information is also stored in the designated account.

How the funds and the transfer information received by the transfer are collected in the account for collecting the payee under the above premise will be described with reference to the flowchart of FIG. The process of FIG. 11 is performed by specifying the collection account of the recipient.

In FIG. 11, one bank transfer receipt is read out from a designated account corresponding to the receiver's account, and a withdrawal process is performed (S1102). The designated accounts corresponding to the collecting account are provided in advance as a list for each collecting account, for example, and are sequentially processed in the order of the list. The transfer processing of the transfer read to the collecting account corresponding to the designated account is performed, and the same processing as the transfer processing from the designated account to the collecting account is performed (S110).
4). At this time, the account number of the designated account (transfer number)
At the same time, the transfer information for the designated account is also transferred to the collecting account. This process is performed for each transfer to the designated account (S1106). When this process is performed for all designated accounts to be processed (for example, accounts in the list) (S1108, S1110), the transferred funds and the transfer information are aggregated in the collecting account. Such processing is performed under start conditions specified for each collecting account (for example, at every fixed time, once a day after the end of the transfer reception time, etc.).

As described above, by processing, by preparing a normal account corresponding to the payer, it is possible to centrally manage the transferred funds and the transfer information in the collecting account of the payee. (Embodiment 6) In Embodiment 6 described with reference to FIG. 12, FIG. 13 and FIG. 14, processing for separately performing fund aggregation and transfer information aggregation is described. In this case as well, as in the fifth embodiment, the account corresponding to the payer is an account in which a normal transfer can be made.

As a premise of the processing of the sixth embodiment, the file structure of a ledger file (account information file) used in this processing will be described first with reference to FIG.

In FIG. 12, the ledger file is composed of two files. One is a ledger file in a narrow sense. In a normal account ledger, it is necessary to process funds in this file. The other file is a contact DB file, in which only information such as the details of the deposit is stored. For example, when there is an inquiry about the payment details, an inquiry is made to this contact DB file. Electro banking (EB)
Can also be performed by obtaining information from this file.

On the premise of such a file configuration shown in FIG. 12, first, a description will be given of a process of collecting data according to the sixth embodiment shown in FIG.

In the processing in FIG. 13, the transfer of funds from the designated account to the collecting account is performed by another
For example, it can be performed by a process between accounts known as a cash transfer service. This process is performed, for example, under conditions designated for each designated account (conditions such as a fixed amount of funds, a fixed amount of balance, a full amount, and operating conditions such as once-a-day funds transfer). The process shown in FIG. 13 is a process for collecting transfer information.

In FIG. 13, all the transfer information of the designated account is read out (S1302), and the designated account number is set as the summary information (S1304).
B is stored in the collecting account of the recipient (S13).
06). Such processing is performed on the designated accounts corresponding to all the collecting accounts (S1308, S131)
0).

The process shown in FIG. 13 is performed under the start condition specified for each collecting account (for example, every fixed time, once a day after the end of the transfer reception time, etc.).

After the processing in FIG. 13 is completed, when an inquiry about the transfer information is made to the collecting account, the contact DB
Since the answer is prepared and the inquiry is answered based on the information from, the answer to the transfer by the contact DB can be obtained in the form to which the account number of the payee (specified account number) is added.

As described above, the processing of the transfer of funds and the processing of the transfer information can be processed separately.

In the processing shown in FIG. 13, the update processing of the contact DB performed by using the transfer information aggregated for each collecting account can be collectively performed by a batch processing using a temporary file. This is the processing shown in FIG.

In FIG. 14, first, in the same processing as in FIG. 13, transfer information of the designated account corresponding to each account for collection is collected in a temporary file (S1402 to S1).
410). This process is the same as the process in FIG.

The read transfer information for each account is stored in a temporary file together with the account number of each designated account. Thereafter, the update process of the contact DB is performed using the information accumulated in the temporary file (S141).
2, S1414).

In the processing of the fifth and sixth embodiments, the account number is used as the additional information.
Account-related information may be used as in the first to fourth embodiments.

In the first to sixth embodiments, the related account and the collecting account are provided in the same branch, and it is described that the account can be specified only by the account number. However, the related account and the collecting account do not necessarily need to be provided in the same branch, but may be provided in separate branches. In this case, not only the account number but also the branch number is required as the number for specifying the account.

It is not necessary to associate the related account with the payer on a one-to-one basis, and a plurality of accounts may be associated with the same payer. By associating in this way, the transfer information can be aggregated for each payment purpose of the payer.

When there are a very large number of payers, the payers may be divided into a plurality of groups, and the related accounts and the groups may be associated one-to-one. When the association is performed in this manner, the function of specifying the payer is reduced, but the number of accounts to be prepared is small.

[0082]

As described above, in the present invention, the payer can be specified by the account number or the like, so that the payer can be reliably specified without imposing a burden on the payer. it can. In addition, the transfer information can be centrally managed corresponding to the recipient. In addition, since the funds transferred can be managed collectively, the profits in fund management are great.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a configuration of a current bank system.

FIG. 2 is a diagram showing notification of a transfer-only account number.

FIG. 3 is a flowchart illustrating a transfer process in a center.

FIG. 4 is a diagram showing a configuration of a table used in the transfer processing.

FIG. 5 is a diagram illustrating a relationship between a series of processes.

FIG. 6 is a diagram illustrating a second embodiment.

FIG. 7 is a flowchart illustrating a transfer process according to the second embodiment.

FIG. 8 is a diagram illustrating a configuration of a table used in a transfer process according to a second embodiment.

FIG. 9 is a flowchart illustrating a transfer process according to a third embodiment.

FIG. 10 is a flowchart illustrating a transfer process according to a fourth embodiment.

FIG. 11 is a flowchart illustrating a transfer process according to a fifth embodiment.

FIG. 12 is a diagram illustrating a file structure of an account ledger used in a transfer process according to a sixth embodiment.

FIG. 13 is a flowchart illustrating a transfer process according to a sixth embodiment.

FIG. 14 is a flowchart illustrating another transfer process according to the sixth embodiment.

[Explanation of symbols]

110 Computer Center 112 Computer System 114 Communication Control Device 116 Front End Processor 120 Sales Office System 122 CD and ATM 124 Counter Terminal (Deposit, Lending) 126 Counter Terminal (Exchange etc.) 130 Customer System 131 Customer Computer・ Center 132 Telephone 133 Telex 134 Facsimile 135 Personal computer 140 External center 141 Credit company center 142,143 CD / ATM use center with other financial institutions 144 Zengin center 146 Information service center 150 Public line network 160 SWIFT regional center

Claims (16)

[Claims] 1. A transfer processing method for performing a transfer using a plurality of related accounts associated with a payer in a bank system, comprising: inputting information for transferring funds for collection from an input device; In the above, the funds transferred to a plurality of related accounts by the input information, perform a payment process to a specific account for gathering, the transfer information to the related account, the account related to the related account associated with the payer Information and / or a number for specifying the related account is added and output, and the output transfer information is stored in a storage unit in the bank system as the transfer information of the specific account. Method. 2. The transfer processing method according to claim 1,
In the step of performing the deposit processing of the fund, it is detected whether the transferred account is a related account associated with a payer, and when the related account is the related account, the account is associated with the specific account, and the identification is performed. A transfer processing method comprising performing a payment processing on an account. 3. The transfer processing method according to claim 2,
In the step of associating with the specific account, the number of the related account is replaced with the number of the specific account. 4. The transfer processing method according to claim 2,
In the step of associating with the specific account, a parent account number of the related account is added. 5. The transfer processing method according to claim 1, wherein the transfer processing to the specific account is performed without performing the transfer processing to a related account. 6. The transfer processing method according to claim 1, wherein after performing payment processing to a related account, payment processing to the specific account is performed. 7. The transfer processing method according to claim 1, wherein at least payment processing to the specific account is performed collectively. 8. The transfer processing method according to claim 1, wherein
In the step of performing the fund transfer processing, the transfer processing method is executed as another processing after the transfer transfer processing to the related account is completed. 9. The transfer processing method according to claim 8,
In the step of storing the transfer information as transfer information of a specific account, the transfer information is stored in a file for only managing information. 10. The transfer processing method according to claim 9, wherein after the transfer information to each of the specific accounts is aggregated, the file is updated with the aggregated transfer information. . 11. An input device of a bank system for performing a transfer using a plurality of related accounts associated with a payer, wherein the bank system is configured to collect funds transferred to the plurality of related accounts. Means for performing a payment process on a specific account; output means for adding transfer information to the relevant account with account-related information of a relevant account associated with a payer and / or a number for specifying the relevant account; And means for storing the output transfer information as the transfer information of the specific account, and is connected to the bank system by a signal line, and transfers funds to the plurality of related accounts.
An input device for a bank system, wherein information for transfer is input to the bank system. 12. The input device for a bank system according to claim 11, wherein the input device is an ATM terminal. 13. The input device according to claim 11, wherein the input device is a computer system installed on a customer side. 14. A bank system for performing a transfer using a plurality of related accounts associated with a payer, means for performing a payment process to a specific account for collecting funds transferred to the plurality of related accounts, Output means for outputting the transfer information to the relevant account by adding account-related information of the relevant account associated with the payer and / or a number for specifying the relevant account; and outputting the output transfer information to the relevant account. Means for storing as the transfer information of the specific account, and contact storage means for storing the information that the funds have been transferred to the plurality of related accounts for answering or notifying the inquiry of the payment statement, An inquiry response / communication device for a bank system, which is capable of inquiring about information stored in a communication storage means. 15. An output device of a bank system for performing a transfer using a plurality of related accounts associated with a payer, wherein the bank system is configured to collect funds transferred to the plurality of related accounts. Means for performing a payment process on a specific account; output means for adding transfer information to the relevant account with account-related information of a relevant account associated with a payer and / or a number for specifying the relevant account; And a means for storing the output transfer information as the transfer information of the specific account. The bank is connected to the bank system by a signal line, and receives a transfer notification from the bank system. The output device of the system. 16. The output device for a bank system according to claim 15, wherein the output device is a computer system installed on a customer side.