JP2003006445A - Remittance system, remittance relaying device, information terminal device for firm banking, and remittance relaying method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a technology making it possible to entrust a payer with transfer irrelevantly to the time limit of batch transfer trust file reception. SOLUTION: A remittance relaying device 30 is equipped with a database 90 storing remittance information regarding a request for remittance and remittance time-limit information specifying the time limit of remittance corresponding to the remittance information. A remittance request data file is received from a user terminal 10, remittance information is obtained from the remittance request data file, and remittance time-limit information corresponding to the remittance information is read out of the database. Then it is judged whether or not a request for remittance passes the remittance time limit, and according to the decision result, the remittance request file is sent to a specified remittance-source financial institution through a communication line to make a request for remittance.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a remittance system, a remittance relay device, a farm banking information terminal device, and a remittance relay method.

[0002]

2. Description of the Related Art Conventionally, there have been transfer and transfer as methods for transferring funds. Transfer is a method of moving funds by operating the balance of funds held by the payer and payee in an account opened at a financial institution (decreasing the payer's account balance and increasing the payee's account balance). Therefore, the funds are transferred through a communication network such as Zengin Net. The transfer can be classified into real-time processing and batch processing depending on how the payer's transfer request is processed. That is, the former refers to a transfer using internet banking or ATM, and a transfer from a window of a financial institution, and the latter refers to a transfer using a farm banking system.

These transfer methods will be briefly described. First, the transfer by batch processing will be described. The payer uses a batch processing terminal, which is a dedicated or appropriate information terminal such as a personal computer, to create a transfer request file, and the transfer request file is sent to the source financial institution by the deadline for receiving the batch transfer request file. Send to computer system.

The batch transfer request file reception deadline is a deadline set by each financial institution as a reception deadline for the transfer request file. In the case of batch processing, if a large number of transfer requests with the same day as the transfer specified date are made,
This deadline is set because it is possible that the transfer process cannot be performed. It is set a few days before the designated transfer date.

The transfer request file is a file including a large number of transfer request data. The payee name, transfer destination financial institution, transfer destination account number, transfer destination account type, transfer amount, transfer destination account in each transfer request. In addition to the transfer request data composed of the number, designated transfer date, etc., it has the name of the transfer person and the account number of the transfer source.

[0006] The computer system of the transfer source financial institution has a due date management unit and an accounting system processing unit. When the transfer request file is received, the due date management unit receives the transfer designated date of each transfer request data included in the transfer request file. See
The accounting processing unit performs a transfer process for each transfer request data based on the reference result.

In the case of real-time processing, when the payer sends the transfer request data from the appropriate information terminal to the computer system of the transfer source financial institution, the computer system of the transfer source financial institution receives the transfer request data each time. Perform the transfer processing according to.

[0008]

As described above, in the case of using the farm banking system (batch processing transfer), when the payer requests the transfer source financial institution to transfer the transfer request file to each financial institution. It must be created and sent by the deadline for receiving the batch transfer request file set by. For example, if the payer is thinking of using the funds received by the payment from another person for his / her own payment, it depends on whether or not the payment from the other person is made by the deadline for receiving the batch transfer request file described above. , Whether or not transfer by farm banking is possible will be affected. Therefore, while the payer creates the transfer request file, the payer has to make payment in real time for the transfer request that does not meet the batch transfer request file reception deadline, which is complicated.

The present invention has been made in view of the above problems, and an object thereof is to provide a technique for a simple transfer request to a payer regardless of the deadline for receiving a batch transfer request file. is there.

[0010]

[Means for Solving the Problems] To achieve the above object,
In the remittance system of the present invention, a farm banking information terminal device and a remittance relay device are provided, wherein the farm banking information terminal device includes information for identifying a remittance source financial institution and one or more remittance processing cases. The remittance request information input acceptance means for accepting the input of remittance request information including at least the remittance request information, and a remittance request data file of a predetermined data format that collectively collects the remittance request information of the entered remittance processing items. The remittance request data file creating means for creating and the remittance request data transmitting means for transmitting the created remittance request data file to the remittance relay apparatus through a communication line, the remittance relay apparatus being attached to the remittance relay apparatus. The remittance requester identification information for identifying the remittance requester and at least the remittance requester identification information are stored in the database. Remittance request data for receiving the remittance request data file from the remittance request data transmitting means of the firm banking information terminal device, which stores remittance deadline information that defines the execution deadline of the corresponding remittance processing as the remittance deadline. File receiving means, remittance information acquisition means for obtaining at least the remittance requester identification information from the remittance request data file, and the remittance time limit information corresponding to the obtained remittance requester identification information from the database, and the remittance Remittance deadline determination means for determining whether or not a transaction is over the remittance deadline, and based on this determination result, if the remittance deadline is not exceeded, the remittance request information regarding the remittance processing matter Create a remittance request information file that summarizes all of the above and send it to the relevant remittance source financial institution Remittance deadline unreasonable remittance request means for transmitting the file through the line to issue a request to execute remittance processing, and based on the determination result, if the remittance deadline is exceeded, for each of the remittance processing cases , Remittance request remittance request means for creating remittance request data including the relevant remittance request information, and transmitting the data to the relevant remittance source financial institution through a communication line to issue a request to execute remittance processing And shall be provided.

Further, in order to achieve the above object, another money transfer system of the present invention is a money transfer system including a transfer request terminal and a money transfer relay device, wherein the transfer request terminal is a money transfer device. The remittance request information input accepting means for accepting the input of remittance request information, the remittance request data file creating means for creating the remittance request data file including the entered remittance information, and the created remittance request data file for communication Remittance request data transmitting means for transmitting to the remittance relay device via a line, and the remittance relay device specifies remittance deadline information for identifying a deadline for remittance processing corresponding to the remittance information in a database attached to the remittance relay device. Is stored, and the remittance request data file is received from the remittance request data transmitting means of the transfer request terminal. Request data file receiving means, remittance information acquisition means for obtaining the remittance information from the remittance request data file, and the remittance deadline information corresponding to the obtained remittance information from the database, and the remittance request is the remittance request. Remittance deadline determination means for determining whether or not the deadline has been exceeded, and a request to execute the remittance processing by transmitting the file through the communication line to the relevant remittance source financial institution according to the determination result. And a remittance process execution requesting means for issuing.

Further, in order to achieve the above-mentioned object, another remittance relay apparatus of the present invention includes a database storing remittance deadline information for identifying a remittance processing deadline corresponding to remittance information relating to a remittance request. , A remittance request data file receiving means for receiving a remittance request data file from a transfer request terminal, a remittance information acquisition means for obtaining the remittance information from the remittance request data file, and the remittance corresponding to the obtained remittance information Read the deadline information from the database, the remittance deadline determination means for determining whether or not the remittance request exceeds the remittance deadline, and according to the determination result, toward the relevant remittance source financial institution, Remittance processing execution requesting means for transmitting the file through the communication line and issuing a request for execution of remittance processing.

Further, in order to achieve the above object, in another remittance relay method of the present invention, remittance information relating to a remittance request and remittance deadline information for specifying at least a remittance processing deadline corresponding to the remittance information. The remittance relay device is equipped with a database storing and, the remittance request data file is received from the transfer request terminal, the remittance information is acquired from the remittance request data file, and the acquired remittance information is supported. The remittance time limit information is read from the database, it is determined whether or not the remittance request exceeds the remittance time limit, and in accordance with the determination result, the relevant remittance source financial institution is directed to the relevant remittance source through a communication line. It is assumed that the file is sent to issue a request to execute the remittance process.

[0014]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention may be as follows in order to achieve the above object. The remittance deadline remittance requesting means further comprises means for determining whether or not the remittance processing is possible, and based on the result of the determination, when the remittance processing is possible, the execution request of the remittance processing is issued. In addition, when the remittance processing is impossible, the fact is notified to the relevant farm banking information terminal device through the communication line,
The request to execute the remittance process may not be issued.

Further, the remittance request information includes a flag indicating whether or not it is possible to issue the execution request of the remittance processing for each remittance processing case by the remittance deadline remittance requesting means. However, the remittance deadline remittance requesting means may issue the execution request of the remittance processing based on this flag.

Further, after issuing the execution request for the remittance processing, the result of the execution of the remittance processing may be acquired from the remittance source financial institution and notified to the firm banking information terminal device.

Further, the remittance deadline includes a plurality of remittance deadlines. For each remittance request, it is determined which of the remittance deadlines is exceeded, and based on the result of this determination, the corresponding remittance is made. Remittance request data including information may be created and a request to execute the remittance process may be issued.

Further, the remittance information may include a remittance type.

[0019]

DESCRIPTION OF THE PREFERRED EMBODIMENTS A money transfer system according to a first embodiment will be described with reference to the system block diagram of FIG. 1 and the flowchart of FIG. In this example, the case of transfer processing of remittance between bank accounts will be described as an example.

As shown in FIG. 1, first, structurally, a remittance relay device 30 is connected and arranged to a user terminal 10 and an existing transfer processing device 20 of a financial institution. The user terminal 10 transmits and receives information to and from the remittance relay device 30, an input unit that is used to input transfer request data described below, and an output unit that outputs the transfer result data transmitted from the remittance relay device 30. A transfer request file generation unit that generates a transfer request file from the transfer request data input from the input unit is provided. The transfer processing device 20 is a processing device installed in a financial institution, and includes a batch transfer request receiving unit, a real transfer request receiving unit, and an accounting system processing unit. The batch transfer request receiving unit receives the transfer request by the above-mentioned batch processing (batch transfer request file described below), and the real transfer request receiving unit receives the transfer request by the real-time processing described above (real transfer request data described below). Although installed, it will not be described in detail because it is not a characteristic configuration of the present invention. Further, the accounting processing unit is also a processing unit normally installed in a financial institution, and will not be particularly described.

The remittance relay device 30 refers to the transfer request data included in the transfer request file received by the transmission / reception unit and the transfer request / reception unit for transmitting / receiving information to / from the user terminal 10, and specifies the transfer date and transfer management of each transfer request data. A transfer request data distribution unit 30A for distributing each transfer request data to the batch transfer processing unit and the online service processing unit based on the transfer file acceptance deadline data stored in the information storage unit,
A batch transfer processing unit 30C that transfers the transfer request data distributed to the transfer request data distribution unit 30A to the transfer processing device 20, and an online service that transfers the transfer request data distributed to the transfer request data distribution unit to the transfer processing device 20. (Real time) processing unit 30B, a customer information storage unit (not shown) that is a storage unit that stores customer information, a transfer management information storage unit 30D that is a storage unit that stores transfer management information, and transaction history information. The transaction history information storage unit 30E, which is a storage unit that stores the information, is provided.

The transfer management information storage unit 30D has financial institution identification information that uniquely identifies each financial institution, branch identification information that uniquely identifies each branch of a financial institution by a combination of the financial institution identification information, and financial information. The information is stored in association with batch transfer request file reception deadline information set by the organization as a reception deadline for a batch transfer request file described later.
A plurality of batch transfer request file reception deadline information may be set for one financial institution. For example, when the transfer source financial institution and the transfer destination financial institution indicated in the transfer request are the same up to the branch, the branch may be different but the same financial institution, or different financial institutions may have different deadlines.

The transaction history information storage unit 30E stores customer information (for example, name or name, address, date of birth or date of establishment, telephone number, etc.) and a transfer request file transmitted from the user terminal 10. The included transfer request data and the transfer details transmitted from the transfer processing device for each transfer request data are stored in association with each other.

In FIG. 1, the user terminal 10 connected to the relay processing center 30 and the transfer processing device 2 of the financial institution.
Although 0 is described as one each, it is actually configured by connecting a large number of user terminals 10 and a large number of transfer processing devices 20. Regarding the transfer transfer of this fund,
A specific description will be given with reference to FIGS. 2 and 3. The user terminal receives one or more transfer request data from the input unit (S10), creates a transfer request file, and transmits the transfer request file to the remittance relay device 30 from the transmitting / receiving unit (S20). In addition, the user terminal 10 is the remittance relay device 30.
When connecting to, personal identification is performed by the ID, password, etc., but details will not be described here.

The transfer request data includes recipient identification information in each transfer request, transfer destination financial institution ID, transfer destination account number, transfer destination account type, transfer amount, transfer designated date, and other real-time processing described later. Includes a flag called a real OK flag indicating that the transfer request file is permitted, and the transfer request file includes one or more transfer request data and transfer person identification information,
It has a financial institution ID of the transfer source, an account number of the transfer source account, and an account type of the transfer source account.

Upon receipt of the transfer request file, the confirmation requesting unit (not shown) of the remittance relay device 30 receives the transfer request file and the number of transfer requests requested by the transfer request file from each transfer request data included in the transfer request file. The transfer amount total data, which is the sum of the transfer amount, is calculated and transmitted to the user terminal 10 (S30 → S40).

Subsequently, the remittance relay device 30 is connected to the user terminal 10
Approval information is received from (S40 → S50 → S60 → S
70 → S80). If the approval information is not transmitted, the process ends (S40 → S50 → S60 → S10).

As shown in FIGS. 1, 2 and 3, the transfer request data distribution unit 30A of the remittance relay device 30 refers to the transfer source financial institution ID of the transfer request file, and transfers the transfer information from the transfer management information storage unit 30A. The batch transfer request file reception deadline corresponding to the original financial institution ID is searched, and if there is no match, an error occurs.

Next, the transfer designated date data of each transfer request data included in the transfer request file is referred to (S90), and the transfer request data whose transfer designated date data exceeds the date at that time is searched (S100). If there is the corresponding transfer request data, an error occurs (S110 → S120).

Subsequently, each transfer request data is distributed to the batch transfer processing unit 30C and the online service (real transfer) processing unit 30B based on the retrieved batch transfer request file reception deadline. Specifically, when the designated transfer date shown in the designated transfer date data exceeds a predetermined date calculated based on the batch transfer request file reception deadline (S100 → S130 → S140 → S150), the transfer is performed. The real OK flag of the transfer request data designating the designated date is referred to (S160), and if there is a flag, it is transferred to the online service processing unit 30B (S170).

The online service processing unit 30B generates real transfer request data based on the received transfer request data and transfers it to the transfer processing device 20 (S180). On the other hand, if there is no flag, an error is made for the transfer request data (S160 → S190).

Also, a batch transfer request file is created in batch for transfer request data that has not exceeded a predetermined date (S150 → S200 → S210 → S220), and this is transferred to the batch transfer processing unit 30C. The batch transfer processing unit 30C transmits the received transfer data file to the batch processing unit of the transfer processing device 20 corresponding to the transfer source financial institution according to a predetermined procedure, and ends the processing (S220).

As described above, the present invention is characterized by a mechanism for processing each transfer request data based on the relationship between the batch transfer request file acceptance deadline data and the transfer designated date data.

On the other hand, the transfer processing device 20 which has received the transfer request
Performs the transfer process based on transfer information such as the transfer destination bank account number and transfer amount included in the transfer data, which is conventionally performed, but will not be described in detail.

The remittance relay device 30 receives the transfer statement information from the transfer processing device as a result of the transfer process, and stores it in the transaction history information storage section 30E in association with the customer information. The stored transfer statement information is extracted for each predetermined period or in response to a request from the user terminal 10, and is transmitted to the user terminal 10 as transfer statement information, and a series of transfer request information is sent. Complete transaction processing.

The present invention can be appropriately modified in design without departing from the spirit of the invention. For example, one transfer request file may include transfer request data that specifies a plurality of transfer source financial institutions. Furthermore, the remittance relay device 30 may be installed by any financial institution. In that case, it may be configured to be coupled with the transfer processing device 20. On the contrary, if the remittance relay device 30 is provided independently of the financial institution, the transmission overhead via the network in the financial institution is reduced by the amount of the remittance relay device 30 not provided.

Furthermore, the present invention is applicable not only to the transfer of funds between accounts but also to the processing of fund transfer in general. In addition, the financial institution also includes all institutions in which fund transfer processing occurs, such as post offices, insurance companies, and securities companies.

Next, a second embodiment according to the present invention will be described. In the present embodiment, in the first embodiment described above, the deadline for accepting a batch transfer request is divided into a plurality of stages (a plurality of remittance deadlines). Since the third embodiment is common to the above-described first embodiment except for the reception deadline, different matters will be mainly described. In addition, in the drawings to be referred to, the same parts as those in FIG. 1 described above are denoted by the same reference numerals.

First, the outline will be described. As shown in the block diagram of FIG. 4, a remittance relay device (remittance request data file receiving means, remittance information acquisition means, remittance deadline determination means and remittance processing execution request means) 30 is used. In the transfer request data distribution (determination), when the batch processing acceptance deadline (remittance deadline) described in the first embodiment is the transfer business A shown in (a) and the transfer business B shown in (a) I know. The case shown in (c) corresponds to the case of being distributed to the real transfer process in the first embodiment.

Specifically, in the case of the transfer business A, the transfer request is accepted until 18:00, which is three business days before the scheduled transfer date. In the case of this transfer business A, for example, a request called salary transfer or bonus transfer, which is a uniform and regular transfer, and a transfer request with a sufficient time in advance is possible. Used for. In addition, for such a regular transfer request, the transfer fee can be cheap or zero,
This can be useful for the transfer requester.

On the other hand, in the case of the transfer business B, it is later than the deadline for the transfer business A, and the transfer request is received until 19:00, which is one business day before the scheduled transfer date. Used when receiving a request.

As shown in the block diagram of FIG. 4, in the user terminal (transfer request terminal, remittance request information input receiving means, remittance request data file creating means, remittance request data transmitting means) 10, the transfer request file to be created The request data of the transfer business A in the (remittance request data file) includes a flag indicating switching to the transfer business A or the transfer business B, and a flag enabling real transfer processing (OK). The remittance relay device 30 analyzes the transfer business request data and allocates it to the transfer business A, the transfer business B, or the real transfer processing. Depending on the result of this distribution, the remittance relay device 30 transfers the content of the transfer processing to the computer 40 for batch transfer processing (transfer operation A), the computer 50 for batch transfer processing (transfer operation B), or the computer 60 for online service processing ( Remittance information)
To send. Computers 40, 5 that received this request
0 and 60 request the transfer processing device 20 to perform the corresponding transfer processing.

Here, the computer 40 for batch transfer processing (transfer business A) and the batch transfer processing (transfer business B).
The computer for use 50 extends the function of the batch transfer processing unit 30C in the first embodiment shown in FIG. 1 and is realized as an independent computer. Further, the online service processing computer 60 realizes the function of the online service processing unit 30B in the first embodiment shown in FIG. 1 in the form of an independent computer.

Next, each database in the block diagram of FIG. 4 will be described. First, referring to FIGS. 5 and 6, an information database (DB) in a format called a Zengin format (a format used in the Zengin net) used by the batch transfer processing computers 40 and 50.
70 will be described. The DB 70 stores information defining each format of the transfer business A and the transfer business B for the transfer request file transmitted to the transfer processing device 20.

First, an example of the format of the transfer business A will be described with reference to the chart showing the format of the record format in FIG. First, as items, for example, a header record 71 and a data record 7
2, a trailer record 73, and an end record 74.

The header record 71 has, for example, a data format shown by reference numerals 71a to 71n in FIG. That is, the data section 71a specifies the header record "1". Type (remittance type) code 71b
Specifies payroll transfer “11” or bonus transfer “12”. Code division 71c is JIS "0" and EBCD
IC "1" is designated. As the company code 71d, a code assigned on the financial institution (bank) side is specified to identify the transfer client. The company name 71e designates the left-justified remaining space. The designated transfer date 71f designates the designated transfer date. The destination bank number 71g specifies a unified financial institution number. The destination bank name 71h specifies the left-justified remaining space. The destination branch number 71i designates a unified store number. Destination branch name 71
j specifies the left-justified remaining space. Deposit item 71k
Specifies the ordinary deposit "1", the current account "2" or other "0". The account number 71l designates "0" before the right-justified remainder. The transfer business switching flag 71m specifies no switching "0" or switching "1". Dummy 71
n specifies a space.

The data record 72 has, for example, a data format shown by reference numerals 72a to 72n in FIG. That is, the data section 72a specifies the data record "2". The destination bank number 72b designates a unified financial institution number. The destination bank name 72c specifies the left-justified remaining space. The destination branch number 72d specifies a unified store number. The destination branch name 72e specifies the left-justified remaining space. The clearing house exchange number 72f designates a unified clearing house exchange number. As the deposit item 72g, the ordinary deposit "1", the current deposit "2" or other "0" is designated. The account number 72h specifies "0" before left-justified. Depositor name 7
2i specifies the left-justified remaining space. Transfer amount 72j
Specifies "0" before the right-justified remainder. New code 72k
Specifies "1" for the first transfer, "2" for the change, or "0" for others. The employee number 72l specifies an employee number in a company or the like. The affiliation code 72m specifies the affiliation code in a company or the like. The dummy 72n specifies a space.

The trailer record 73 has, for example, a data format shown by reference numerals 73a to 73d in FIG. That is, the data section 73a specifies the trailer record "8". For the total number 73b, "0" is specified before right-justified remaining. The total amount 73c specifies "0" before right-justified remaining. The dummy 73d specifies a space.

The end record 74 has, for example, a data format shown by reference numerals 74a and 74b in FIG.
That is, the data section 74a designates the end record "9". The dummy 74b specifies a space.

Next, an example of the format of the transfer business B will be described with reference to the chart showing the format of the record format in FIG. First, as items, for example, a header record 75 and a data record 7
6, a trailer record 77, and an end record 78.

The header record 75 has, for example, a data format shown by reference numerals 75a to 75n in FIG. That is, the data section 75a specifies the header record "1". Type code 75b is the total transfer "2
Specify "1". The code division 75c specifies JIS "0" and EBCDIC "1". Client code 75d
Specifies the code assigned by the financial institution (bank) to identify the client of the transfer. The client name 75e specifies the left-justified remaining space. The approach date 75f specifies the month and day.
The destination bank number 75g specifies a unified financial institution number. The destination bank name 75h specifies the left-justified remaining space. The destination branch number 75i designates a unified store number. Destination branch name 7
5j designates the left-justified remaining space. Deposit item 75k
Specifies the ordinary deposit "1", the current account "2" or other "0". The account number 75l specifies "0" before right-justified remaining. The transfer business switching flag 75m specifies no switching "0" or switching "1". Dummy 75
n specifies a space.

The data record 76 has, for example, a data format shown by reference numerals 76a to 76p in FIG. That is, the data section 76a specifies the data record "2". The destination bank number 76b designates the unified financial institution number. The destination bank name 76c specifies the left-justified remaining space. The destination branch number 76d specifies a unified store number. The destination branch name 76e designates the left-justified remaining space. The clearing house exchange number 76f designates the unified clearing house exchange number. The deposit item 76g specifies ordinary deposit "1", current deposit "2" or other "0". The account number 76h specifies "0" before left-justified. Recipient name 7
6i designates the left-justified remaining space. Transfer amount 76j
Specifies "0" before the right-justified remainder. New code 76k
Specifies "1" for the first transfer, "2" for the change, or "0" for others. Customer code 76l and customer code 7
6m designates a code for identifying the recipient, which is determined by the transfer client. The transfer designation category 76n designates a tele exchange "7" and a document transfer "8". The identification display (1) 76O and the dummy 76p designate a space.

The trailer record 77 has, for example, a data format shown by reference numerals 77a to 77d in FIG. That is, the data section 77a specifies the trailer record "8". As the total number of cases 77b, "0" is specified before right-justified remaining. The total amount 77c specifies "0" before right-justified remaining. The dummy 77d specifies a space.

The end record 78 has, for example, a data format shown by reference numerals 78a and 78b in FIG.
That is, the data section 78a specifies the end record "9". The dummy 78b specifies a space.

Next, the client master database (DB) 80 used by the batch transfer processing computer 50 will be described with reference to FIG. As the contents of the data stored in the database relating to the transfer requester, for example, as shown in the chart of FIG. 7, in the first line, in addition to the transfer business A and the transfer business B, various financial businesses B to F, etc. Business type is assigned. Further, as shown in the first column of FIG. 7, for each business, for example, a financial institution code 81, a branch code 82, a deposit type 83, an account number 8
4, items of type code 85, client kana name 86, and client code 87 are assigned.

To explain the transfer business A as a representative, the financial institution code 81 is 0008 (xx bank) and the branch code 82 is 001 (head office). Deposit item 83 is 1
(Normal), and the account number 84 is 111111.
The type code 85 is 11 (salary), and the client's kana name is 8
6 is a sack. Client code 87 is 1111
Eleven.

Next, referring to FIG. 8, when a transfer request is received, the deadline for receiving a batch transfer request (for transfer work A and transfer work B) and the deadline for receiving a real transfer process are divided into two stages. Regarding this, the transfer management information database (DB) 90 referred to by the remittance relay device 30 will be described. As shown in the chart showing the contents of the transfer management information in FIG. 8, for example, in the first line, items of a type code 91 and a transaction time limit (acceptance deadline of transfer request) are allocated. As shown in the first column of FIG. 8, the jobs A to F are assigned as described above with reference to FIG. 7. Transfer business A as a representative
The type code 91 is 11 (salary transfer), and the transaction time limit 92 is 3 business days ago.

Next, remittance (transfer request) according to this embodiment
The relay method will be described with reference to the flowchart of FIG. In the flow chart, "S" means a step, and the transfer requester accesses the relay processing device 30 (application server) using a predetermined browser activated on the user terminal (personal computer) 10 (S10). . The relay processing device 30 that has received this access
Requests logon to the user terminal (personal computer) 10 (S20). The ID and password are input to the user terminal 10 and transmitted to the relay processing device 30 (S30). I
The relay processing device 30, which has received the password D and the password, performs an authentication process for identity verification (S40).
40: NG), and the process returns to the process of S20 described above. Conversely,
If the authentication is successful (S40: OK), the user terminal 10 is requested to select a task (S50). The transfer requester selects, for example, the transfer job A from the transfer jobs A to F shown in FIG. 8 through the user terminal 10 and transmits it to the relay processing device 30 (S60). The relay processing device 30 notified of the selection of the transfer business A requests the user terminal 10 to transmit the specific transfer details (S7).
0). The user terminal 10 inputs, for example, data corresponding to a transfer item as shown in FIG. 5, creates it as transfer request data, and transmits it to the relay processing device 30 (S80).

At the time of creating this data, if the transaction time limit (the deadline for accepting the request for the transfer business A) is exceeded, information is given whether or not to switch to the transfer business B. Specifically, as shown in the transfer business A request data created by the user terminal 10 in FIG. 4, the transfer business switching flag is designated. Further, the real OK flag described in the first embodiment is also designated.

Relay processing device 3 that received the transfer request data
0 returns the contents of the transfer request to the user terminal 10 and requests confirmation (S90). The user terminal 10 confirms the returned contents and notifies the fact (S10).
0). The relay processing device 30 is the transfer management information DB 9 of FIG.
0, the transfer deadline (“3 of transaction time limit 92 shown in FIG. 8
"Business day before") is confirmed to confirm the designated date of the transfer acceptance of the transfer destination financial institution (S110). As a result of this confirmation, if it is before the designated date, the batch transfer computer 40 is the same as the first embodiment. The batch transfer file (remittance request information file) is transmitted by the Zengin procedure (batch transfer process), and the transfer operation A is requested to the transfer processing device 20 (S120) .The transfer processing device 20 executes the transfer of the request. (S130),
The result is reported to the relay processing device 30 (S140), and the transaction ends (S210).

On the other hand, in S110, when the transfer request exceeds the transfer acceptance designated date of the transfer destination financial institution, the transfer operation switching flag is confirmed (S150), and this flag indicates that there is switching. If so, it is treated as the transfer business B, and the batch transfer computer 50 executes the processing shown in FIG.
The transfer request data is converted into a file including data items as shown in (S180). This conversion process (S180
A to S180D) will be described later. After converting the file for transfer business B, the batch transfer computer 50
Similar to the first embodiment described above, a batch transfer file (remittance request information file) is transmitted (batch transfer processing) by the Zengin procedure, and the transfer operation B is requested to the transfer processing apparatus 20 (S190). The transfer processing device 20 transfers the request (S130), reports the result to the relay processing device 30 (S140), and ends the transaction (S210).

As a result of the confirmation of the transfer operation switching flag in S150 described above, if this flag indicates no switching, the online service processing computer 60
Similar to the first embodiment described above, the real flag is confirmed for each transfer request (S160). As a result of this confirmation,
If the real flag is OFF, the remand process is performed as in the first embodiment (S170). On the contrary, if the real flag is ON, real-time processing is executed, remittance request data is created and transmitted, and the remittance processing is requested to the remittance processing apparatus 20 (S200: request for remittance processing execution). The transfer processing device 20 executes the transfer of the request (S
130) and reports the result to the relay processing device 30 (S1
40) and ends the transaction (S210).

Now, the file conversion process in S160 described above will be described with reference to the flowchart of FIG. First, the transfer management information D shown in FIGS. 4 and 8
B90 is referred to and the business within the transaction time limit is extracted (S18).
0A). Next, it refers to the fee DB in which information about fees for various operations is stored, and selects the transfer operation B as the cheapest transfer operation of the extracted operations (S180B). The data format of the selected transfer job B is extracted from the Zengin format DB 70 of FIG. 6 described above (S180C), and a batch transfer file is created (S180D). Specifically, the client information is set (set) based on the client master DB 80 of FIG. 7 described above. The transfer request data is converted from the request business A format in FIG. 5 to the request business B format in FIG. After the conversion, the process of S190 described above is executed.

The following effects are achieved in the embodiment according to the present invention. The remittance relay device is a remittance source financial institution based on a relationship between a transfer request date requested from a user terminal, a designated transfer date designated by the remittance request, and a predetermined date limit set by a financial institution. How to make a transfer request to That is, when the designated transfer date does not exceed the predetermined date limit, a batch transfer request file including remittance request data is generated and transmitted to the transfer processing device of the remittance source financial institution.

On the other hand, when the designated transfer date exceeds the predetermined date limit, the real transfer request data is generated and transmitted for each transfer request data. As a result, the customer need only be aware of the deadline for settlement of funds to the payee, not the predetermined time limit set by his / her own transaction financial institution. In addition, the transfer process can be delayed indefinitely on the actual settlement date or before that time.

Furthermore, the transfer requester does not need to separately set the transfer method with the transfer deadline as the conventional case. For example, in the past, when the predetermined time limit was imminent or exceeded, the customer made a transfer request by a window processing of a financial institution, a transfer request document fax, or an internet banking system.
However, according to the present invention, the customer can make a transfer request from the user terminal of the present invention regardless of whether or not it is within the predetermined time limit, and the transfer request work becomes very simple.

Furthermore, regardless of whether or not the designated transfer date of each transfer request data included in the transfer request file exceeds the predetermined date limit, the result of the transfer processing requested by the transfer request file is the transfer. Since the user terminal is notified as a statement slip, it is possible to eliminate the conventional complicated checking work.

In the present embodiment, the optimal transfer relay process is automatically selected according to various conditions of the transfer settlement request, such as the specification of the transfer deadline divided into a plurality of stages and the transfer fee. , Can be switched.

[0069]

According to the present invention, even if the date and time of the remittance deadline are exceeded, if the actual settlement date or before that time, the settlement process can be completed in time without delay. it can.

[Brief description of drawings]

FIG. 1 is a block diagram showing a money transfer system according to a first embodiment of the present invention.

FIG. 2 is a flow chart showing the first half of the remittance relay method according to the first embodiment of the present invention.

FIG. 3 is a flowchart showing a latter half of the remittance relay method according to the first embodiment of the present invention.

FIG. 4 is a block diagram showing a money transfer system according to a second embodiment of the present invention.

FIG. 5 is a chart showing a format of a record format relating to a transfer service A according to a second embodiment of the present invention.

FIG. 6 is a chart showing a format of a record format relating to a transfer business B according to the second embodiment of the present invention.

FIG. 7 is a chart showing the contents of data stored in a client master database according to a second embodiment of the present invention.

FIG. 8 is a chart showing contents of data stored in a transfer management information database according to the second embodiment of the present invention.

FIG. 9 is a flowchart showing a remittance relay method according to a second embodiment of the present invention.

FIG. 10 is a flowchart showing a file conversion process to transfer business B according to the second embodiment of the present invention.

[Explanation of symbols]

10 Farm banking information terminal (user terminal) 20 Bank transfer processing equipment 30 Money Transfer Relay Device 30A Transfer request data distribution unit 30B Online service (real time) processing unit 30C batch transfer processing unit 30D transfer management information storage unit (database) 30E Transaction history information storage unit (database) 40 Computer for batch transfer processing (transfer business A) 50 Computer for batch transfer processing (transfer business B) 60 Online service processing computer 70 Zengin Format DB 80 Client Master DB 90 Transfer management information DB 100 fee DB

   ─────────────────────────────────────────────────── ─── Continued front page    (72) Inventor Shinichiro Inoue             890 Kashimada, Sachi-ku, Kawasaki City, Kanagawa Stock             Hitachi, Ltd. Financial Systems Division (72) Inventor Tetsuya Maruoka             890 Kashimada, Sachi-ku, Kawasaki City, Kanagawa Stock             Hitachi, Ltd. Financial Systems Division (72) Inventor Masayasu Noyori             3-2-16 Omorikita, Ota-ku, Tokyo Stocks             Company Hitachi System and Service (72) Inventor Takashi Yamagishi             890 Kashimada, Sachi-ku, Kawasaki City, Kanagawa Stock             Hitachi, Ltd. Financial Systems Division

Claims (36)

[Claims] 1. A remittance system comprising a farm banking information terminal device and a remittance relay device, wherein the farm banking information terminal device comprises information identifying a remittance source financial institution and one or more remittance processing cases. Remittance request information input acceptance means for accepting input of remittance request information including at least each remittance request amount, and a remittance request data file of a predetermined data format that collectively collects the remittance request information of the entered remittance processing items A remittance request data file creating means for creating a remittance request data file, and a remittance request data transmitting means for transmitting the created remittance request data file to the remittance relay device via a communication line, wherein the remittance relay device is Remittance requester identification information that identifies the remittance requester and at least the remittance requester identification information in the accompanying database Remittance deadline information that defines the execution deadline of the remittance processing corresponding to the information as a remittance deadline is stored, and the remittance request data file is received from the remittance request data transmitting unit of the farm banking information terminal device. Request data file receiving means, remittance information acquisition means for obtaining at least the remittance requester specifying information from the remittance request data file, and reading the remittance deadline information corresponding to the acquired remittance requester specifying information from the database, Remittance deadline determination means for determining whether or not the remittance processing period has exceeded the remittance deadline, and based on the result of this determination, if the remittance deadline has not been exceeded, the remittance processing relating to the remittance processing case Create a remittance request information file that summarizes request information and send it to the relevant remittance source financial institution , A remittance deadline unreasonable remittance requesting means for transmitting the file through a communication line and issuing a request to execute remittance processing, and based on the determination result, if the remittance deadline is exceeded, each remittance processing case Remittance overdue remittance that creates remittance request data including the relevant remittance request information for each time, and sends the data to the relevant remittance source financial institution through the communication line to issue a request to execute remittance processing A remittance system comprising: requesting means. 2. The remittance overdue remittance requesting means further comprises means for determining whether or not the remittance processing is possible. Based on the result of the determination, the remittance processing is possible if the remittance processing is possible. In addition to issuing the request to execute the remittance process, if the remittance process is not possible, the corresponding information terminal device for firm banking is notified to that effect through the communication line, and the request to execute the remittance process is not issued. The remittance system according to claim 1, wherein. 3. The remittance request information includes a flag indicating whether or not it is possible to issue the execution request of the remittance processing for each of the remittance processing cases by the remittance deadline remittance requesting means. 3. The remittance system according to claim 1, wherein the remittance overdue remittance request means issues the execution request of the remittance process based on this flag. 4. After issuing the execution request for the remittance processing, the result of the execution of the remittance processing is acquired from the remittance source financial institution and notified to the firm banking information terminal device. The money transfer system according to any one of claims 1 to 3. 5. The remittance relay device used in the remittance system according to claim 1, wherein the remittance requester identification information for identifying the remittance requester is provided in a database attached to the remittance relay device. And at least remittance time limit information that defines a remittance time limit as a remittance time limit corresponding to the remittance requester identification information, and the remittance request data transmission means of the farm banking information terminal device Remittance request data file receiving means for receiving a remittance request data file, remittance information acquisition means for obtaining at least the remittance requester specifying information from the remittance request data file, and the remittance corresponding to the acquired remittance requester specifying information Read the deadline information from the database and check whether the remittance processing case exceeds the remittance deadline. Separate remittance time limit determination means and, based on this determination result, when the remittance processing case does not exceed the remittance time limit, remittance request information collectively including the remittance request information related to the remittance processing matter A remittance deadline unreasonable remittance requesting means for creating a file and transmitting the file to the relevant remittance source financial institution through the communication line to issue a request for execution of remittance processing, and the remittance remittance based on the determination result. If the processing case exceeds the remittance deadline, remittance request data including the corresponding remittance request information is created for each remittance processing case, and communication is made to the relevant remittance source financial institution. A remittance relay device, comprising: remittance overdue remittance requesting means for transmitting the data through a line and issuing a request for execution of remittance processing. 6. The remittance overdue remittance requesting means further comprises means for determining whether or not the remittance processing is possible, and based on the result of the determination, the remittance processing if the remittance processing is possible. In addition to issuing the request to execute the remittance process, if the remittance process is not possible, the corresponding information terminal device for firm banking is notified to that effect through the communication line, and the request to execute the remittance process is not issued. The remittance relay device according to claim 5, wherein 7. The remittance request information includes a flag indicating whether or not it is possible to issue the execution request of the remittance processing for each of the remittance processing cases by the remittance deadline remittance processing executing means. 7. The remittance deadline remittance process execution means issues the execution request of the remittance process based on this flag.
The remittance relay device described in. 8. A farm banking information terminal device used in the remittance system according to claim 1, wherein the remittance source financial institution information is specified and one or more remittance processes are performed. Create a remittance request data file in a predetermined data format that collects the remittance request information input acceptance unit that accepts input of remittance request information including at least the amount of money and the remittance request information of the entered remittance processing items An information terminal device for farm banking, comprising: remittance request data file creating means; and remittance request data transmitting means for transmitting the created remittance request data file to the remittance relay device through a communication line. 9. A method of relaying a remittance request from a farm banking information terminal device to a remittance source financial institution using a remittance relay device, wherein the farm banking information terminal device identifies a remittance source financial institution. To receive remittance request information including at least the information to be remitted and one or more remittance amount for each remittance processing case, and remittance in a predetermined data format in which the remittance request information of the input remittance processing case is collected together. A request data file is created, and the created remittance request data file is transmitted to the remittance relay device via a communication line, and the remittance relay device receives the remittance request data file from the firm banking information terminal device. Then, at least the remittance requester identification information is acquired from the remittance request data file,
The remittance deadline information corresponding to the acquired remittance requester identification information is read from the database attached to this remittance relay device, and based on this remittance deadline information, it is determined whether or not the remittance processing case exceeds the remittance deadline. However, based on this determination result, when the remittance processing case does not exceed the remittance deadline, a remittance request information file that collectively collects the remittance request information related to the remittance processing case is created. While sending the file to the remittance source financial institution through a communication line to issue a request to execute remittance processing, based on the determination result, when the remittance processing case exceeds the remittance deadline, , Remittance request data including the relevant remittance request information is created for each of the remittance processing cases, and the relevant remittance source financial institution is directed to the relevant remittance data through a communication line. Remittance relay method characterized by issuing a request for execution of the transmission to transfer processing. 10. When issuing a request to execute the remittance processing when the remittance processing matter exceeds the remittance deadline, it is determined whether the remittance processing is possible, and based on the result of the determination, When the remittance process is possible, the execution of the remittance process is requested, and when the remittance process is impossible, the fact is notified to the corresponding firm banking information terminal device through the communication line. 10. The remittance relay method according to claim 9, wherein the execution request for the remittance process is not issued. 11. The remittance request information includes a flag indicating whether or not it is possible to issue the execution request of the remittance process for each remittance process case, and the remittance process case is The remittance relay method according to claim 9 or 10, wherein when the remittance time limit is exceeded, the execution request for the remittance process is issued based on this flag. 12. After issuing the execution request for the remittance processing, the result of the execution of the remittance processing is acquired from the remittance source financial institution and notified to the firm banking information terminal device. The money transfer relay method according to claim 9. 13. A remittance system comprising a remittance request terminal and a remittance relay device, wherein the remittance request terminal is input with remittance request information input acceptance means for accepting an input of remittance information regarding a remittance request. A remittance request data file creating means for creating a remittance request data file containing the remittance information, and a remittance request data transmitting means for transmitting the created remittance request data file to the remittance relay device through a communication line, The remittance relay device stores remittance deadline information for identifying the deadline of the remittance processing corresponding to the remittance information in a database attached to the remittance relay device, and the remittance request data transmitting means of the transfer request terminal Remittance request data file receiving means for receiving the remittance request data file, and the remittance request data file Remittance information acquisition means for acquiring the remittance information from the database, and the remittance time limit information corresponding to the acquired remittance information is read from the database to determine whether the remittance request exceeds the remittance deadline. And a remittance process execution requesting unit for transmitting the file to the relevant remittance source financial institution through the communication line and issuing a request for remittance process execution according to the determination result. Remittance system characterized by. 14. As a result of the judgment of the remittance time limit determination means, if the remittance time limit is not exceeded, the remittance processing execution requesting means collectively collects the remittance information related to the remittance request. 14. The remittance system according to claim 13, wherein a remittance request information file is created, and the file is transmitted to the corresponding remittance source financial institution through a communication line to issue a request for execution of remittance processing. 15. If the remittance time limit determination means determines that the remittance time limit is exceeded, the remittance processing execution requesting means outputs the corresponding remittance information for each remittance request. 14. The remittance system according to claim 13, wherein the remittance request data including the remittance request data is created, and the relevant remittance source financial institution issues the request to execute the remittance processing by transmitting the data through a communication line. 16. The remittance time limit includes a plurality of remittance time limits, and the remittance time limit determination means determines which of the remittance time limits is exceeded for each remittance request,
16. The remittance processing execution requesting means creates remittance request data including the relevant remittance information based on the result of this determination, and issues a request to execute the remittance processing. Money transfer system. 17. The remittance system according to claim 13, wherein the remittance information includes a remittance type. 18. The remittance processing execution request means determines whether or not the remittance processing is possible, and if the remittance processing is possible, issues the execution request for the remittance processing based on the result of the determination. At the same time, when the remittance process is impossible, the corresponding transfer requesting terminal is notified via the communication line,
14. The remittance system according to claim 13, wherein the execution request for the remittance processing is not issued. 19. The remittance information includes a flag indicating whether or not it is possible to issue the execution request of the remittance process for each remittance request by the remittance process execution requesting means. 14. The remittance system according to claim 13, wherein the remittance process execution request means issues the execution request for the remittance process based on the flag. 20. After issuing the execution request of the remittance processing, the result of the execution of the remittance processing is acquired from the remittance source financial institution and notified to the transfer requesting terminal. The remittance system according to item 13. 21. A database storing remittance time limit information for specifying a time limit for remittance processing corresponding to remittance information relating to a remittance request, and a remittance request data file receiving means for receiving a remittance request data file from a transfer request terminal. And a remittance information acquisition unit that acquires the remittance information from the remittance request data file, and the remittance time limit information corresponding to the obtained remittance information is read from the database, and the remittance request exceeds the remittance time limit. Remittance deadline determination means for determining whether or not there is a remittance time limit, and according to the determination result, the remittance processing is executed for transmitting the file to the relevant remittance source financial institution through the communication line and issuing a request to execute the remittance processing. A remittance relay device comprising: requesting means. 22. As a result of the judgment of the remittance deadline determination means, if the remittance deadline has not been exceeded, the remittance processing execution request means collectively collects the remittance information related to the remittance request. 22. The remittance relay apparatus according to claim 21, wherein a remittance request information file is created, and the file is transmitted through a communication line to the relevant remittance source financial institution to issue a request for execution of remittance processing. . 23. As a result of the judgment of the remittance time limit determination means, if the remittance time limit is exceeded, the remittance processing execution requesting means outputs the corresponding remittance information for each remittance request. 22. The remittance relay device according to claim 21, wherein remittance request data including the remittance request data is created, and the remittance source financial institution transmits the data to a corresponding remittance source financial institution through a communication line to issue a request for execution of remittance processing. . 24. The remittance deadline includes a plurality of remittance deadlines, and the remittance deadline determination means determines which of the remittance deadlines is exceeded for each remittance request,
24. The remittance processing execution requesting means creates remittance request data including the relevant remittance information based on the result of this determination, and issues a request to execute the remittance processing. Remittance relay device. 25. The remittance relay apparatus according to claim 21, wherein the remittance information includes a remittance type. 26. The remittance process execution request means determines whether the remittance process is possible, and based on the result of the determination, issues the execution request of the remittance process if the remittance process is possible. At the same time, when the remittance process is impossible, the corresponding transfer requesting terminal is notified via the communication line,
22. The remittance relay apparatus according to claim 21, wherein the request to execute the remittance process is not issued. 27. The remittance information includes a flag indicating whether or not it is possible to issue the execution request of the remittance processing for each remittance request by the remittance processing execution requesting means. 22. The remittance relay apparatus according to claim 21, wherein the remittance process execution request means issues the execution request for the remittance process based on the flag. 28. After issuing the execution request for the remittance processing, the result of the execution of the remittance processing is acquired from the remittance source financial institution and notified to the transfer requesting terminal. 21. The remittance relay device according to 21. 29. The remittance relay device is provided with a database storing remittance information relating to a remittance request and at least remittance deadline information for identifying a deadline for remittance processing corresponding to the remittance information, and the remittance request terminal. Receives a remittance request data file from the remittance request data file, acquires the remittance information from the remittance request data file, reads the remittance deadline information corresponding to the obtained remittance information from the database, and the remittance request exceeds the remittance deadline. It is determined whether or not the remittance is performed, and according to the determination result, the file is transmitted to the relevant remittance source financial institution through a communication line and a request to execute remittance processing is issued. Relay method. 30. If the result of the determination is that the remittance time limit has not been exceeded, a remittance request information file is created in which the remittance information relating to the remittance request is collected, and the corresponding remittance source finance is created. 30. The remittance relay method according to claim 29, wherein the file is transmitted to the institution through a communication line to issue a request for execution of remittance processing. 31. As a result of the judgment, when the remittance time limit is exceeded, remittance request data including the relevant remittance information is created for each remittance request, and the relevant remittance source finance is created. 30. The remittance relay method according to claim 29, wherein the data is transmitted to the institution through a communication line to issue a request to execute a remittance process. 32. The remittance deadline includes a plurality of remittance deadlines, which of the remittance deadlines is determined for each remittance request, and the corresponding remittance information is determined based on the result of the determination. 4. A remittance request data including a request is generated, and a request to execute the remittance process is issued.
The remittance relay method described in 0 or 31. 33. The remittance relay method according to claim 29, wherein the remittance information includes a remittance type. 34. It is determined whether the remittance process is possible,
Based on the result of the determination, if the remittance process is possible, the execution request of the remittance process is issued, and if the remittance process is impossible, the transfer request terminal is sent to the corresponding transfer request terminal through the communication line. In addition to notifying that,
30. The remittance relay method according to claim 29, wherein the execution request for the remittance process is not issued. 35. The remittance information includes a flag indicating whether or not it is possible to issue the execution request of the remittance processing for each remittance request, and based on this flag, 30. The remittance relay method according to claim 29, wherein the execution request of the remittance process is issued. 36. After issuing the execution request of the remittance processing, the result of the execution of the remittance processing is acquired from the remittance source financial institution and notified to the transfer requesting terminal. 29. The remittance relay method described in 29.