JP2007052610A - Transfer proxy management device, control method for transfer proxy management device, control program for transfer proxy management device and computer-readable recording medium recording control program for transfer proxy device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a transfer proxy management device or the like allowing operation without imposing on a client credit risk of an operation company or the like of this system while suppressing increase of a transfer task amount of a financial institution or the like. <P>SOLUTION: This transfer proxy management device 200 provides transfer information to a financial institution transfer execution device 200 performing transfer from a terminal device 11a for the client operated by the client making a transfer request by the transfer information. A financial institution's name transfer source account of a financial institution's name set to the financial institution transfer execution device is managed as a transfer source account for the transfer proxy management device used by the transfer proxy management device, and the financial institution transfer execution device transfers a fund of the transfer source account for the transfer proxy management device according to the transfer information of the transfer proxy management device. Another financial institution's name transfer source account is set to the transfer source account for the transfer proxy management device while the other financial institution's name transfer source account is derived from the transfer source account for the transfer proxy management device, and the account is managed as a transfer source account for the client used for the client operating the terminal device for the client. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to, for example, a transfer agency management device for assisting a transfer procedure that is a money transfer or the like performed by a financial institution such as a bank, a transfer agency management device control method, a transfer agency management device control program, and a transfer agency device The present invention relates to a computer-readable recording medium on which the control program is recorded.

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

However, in the transfer agency system as shown in Patent Document 1, it is necessary to open an account for the actual transfer in this system in the bank. This bank account is opened under the name of the management company of this system, and the transfer requester deposits funds into this name account. And the management company etc. will transfer from this account.
In other words, since the operating company of this system deposits funds in its own name account and then performs the transfer procedure, there is a problem that the client bears the credit risk of the operating company of this system.

  Accordingly, the present invention provides a transfer agency management device and a transfer agency management device that can operate without impairing the credit risk of the management company of the system, etc., while suppressing an increase in the amount of transfer work of a financial institution or the like. It is an object of the present invention to provide a computer-readable recording medium in which a control program for a transfer agent management device, a control program for a transfer agent management device, and a control program for a transfer agent device are recorded.

  According to the configuration of claim 1, the subject is to acquire and manage transfer information from a client terminal device operated by a requester who makes a transfer request, and to provide the transfer information to a financial institution transfer execution device that performs the transfer. A transfer agency management device, which manages a financial institution name transfer source account in the name of a financial institution set in the financial institution transfer execution device as a transfer source account for a transfer agency management device used by the transfer agency management device; According to the transfer information of the transfer agency management device, the financial institution transfer execution device is configured to transfer funds of the transfer agency management device transfer source account, and the transfer set in the financial institution transfer execution device In the transfer source account for the agency management device, another financial institution name transfer source account is set derived from the transfer source account for the transfer agency management device, and the other financial institution name transfer source account It is accomplished by transfer proxy management apparatus characterized by being the requester for the transfer source account to be used for the client who operates the requester terminal device.

According to the above configuration, the transfer agency management device manages the financial institution name transfer source account as a transfer source account for the transfer agency management device used by itself, and the financial institution transfer execution device follows the transfer information of the transfer agency management device. The funds of the transfer source account for the transfer agency management device are transferred.
For this reason, even if the transfer requester deposits funds into the transfer agency account for the transfer agency management device and transfers funds from this account, both payment and transfer are made through an account in the name of the financial institution, As an example, it can be actually operated without violating banking laws.
The transfer agency management device is configured to transfer funds of the transfer agency management device transfer source account in accordance with the transfer information of the transfer agency management device.
For this reason, since the financial institution simply transfers the funds in the transfer source account for the transfer agency management device according to the transfer information, the amount of transfer work of the financial institution can be reduced.

Moreover, according to the said structure, since the transfer origin account for requesters used for the requester who operates the terminal device for requesters is set for every requester, transfer is made from a plurality of terminal devices for requesters. Even when requested, it can be clearly managed for each client.
Further, since the account for each client is not an account under the name of the client, there is no possibility that the client will be exposed to credit risk from the operating company of this system.
In addition, since the transfer source account for the requester is set to be derived from the transfer source account for the transfer agency management device, even if the transfer is made from the transfer source account for the requester, the transfer source account for the transfer agent management device is Since the transfer is performed through the transfer, it is easy to manage the transfer, and the amount of transfer work can be reduced.

  Preferably, according to the invention of claim 2, in the configuration of claim 1, a stay period determination unit that determines a stay period in which the funds deposited in the financial institution name transfer source account is staying in the account; A period equivalence determining unit that determines whether or not the stay period exceeds an equivalent period for preparation for transfer, and forcibly withdrawing the funds from the financial institution name transfer source account according to the determination of the period appropriateness determining unit A transfer agency management device including a forced refund unit.

According to the said structure, it has the residence period judgment part which judges the residence period in which the money is staying in the account, and the period equivalence judgment part which judges whether this residence period exceeds an equivalent period.
And when the staying period of money exceeds a considerable period, it is the structure which refunds by a forced refund part.
For this reason, it is prevented in advance that the funds are retained for purposes such as money laundering or fund concealment, which are not intended for transfer.
In other words, in the present invention, an account in the name of a financial institution is used as the transfer source account, and the name of the transfer requester or the operator of the transfer agency management device is not the name of the account. For this reason, the present invention can be carried out without imposing credit risk on the client from the operating company of this system.
On the other hand, since the account name is a financial institution, there is a risk that the above-described money laundering or the like may occur. In that respect, in the present invention, since it is forcibly refunded, it can be prevented from being used for money laundering or the like.

  Preferably, according to the invention of claim 3, in the configuration of claim 2, the client terminal device is notified of a warning that the forced refund will be made before the staying period reaches the equivalent period. It is a transfer agency management device characterized by having a configuration.

  According to the above configuration, the client terminal device is notified of a warning that a compulsory refund will be made before the residence period reaches a considerable period. Transfer procedures can be urged to the staying client.

  Preferably, according to the invention of claim 4, in the configuration of any one of claims 1 to 3, change information of transfer related information including change information of the financial institution name transfer source account is displayed for each client. This is a transfer agency management device characterized by having a virtual passbook unit.

  According to the above configuration, since the requester has the virtual passbook unit that displays the change information of the transfer related information including the change information of the financial institution name transfer source account for each client, the client can self It is possible to easily and accurately grasp the status of the transfer requested.

  Preferably, according to the invention of claim 5, in the configuration of any of claims 1 to 4, the total transfer amount of the transfer information is compared with the balance of the financial institution name transfer source account, It is a transfer agency management device characterized by having a transfer enable determination unit that determines whether or not it is possible.

  According to the said structure, since the transfer possibility judgment part of a transfer agency management apparatus judges the presence or absence of funds, etc., the transfer paperwork of a financial institution is remarkably reduced.

  Preferably, according to the invention of claim 6, in the configuration of claim 5, when the balance is smaller than the total transfer amount in the transfer possibility determination unit, a shortage amount providing unit that provides the shortage amount It is the transfer agency management apparatus characterized by having.

  According to the above configuration, since the shortage amount is provided by the shortage amount providing unit, the requester can continue without interrupting the transfer, so that it becomes an easy-to-use transfer agency management device.

  According to the seventh aspect of the present invention, there is provided a transfer information acquisition management process for acquiring and managing transfer information from a client terminal device operated by a requester who makes a transfer request, and a financial institution transfer execution device for performing transfer. A transfer information providing step for providing the transfer information, and a transfer agency management device control method comprising: a financial institution name transfer source account in the name of a financial institution set in the financial institution transfer execution device; Managed as a transfer agent account for the transfer agent management device used by the management device, and according to the transfer information of the transfer agent management device, the financial institution transfer execution device transfers funds of the transfer agent account for the transfer agent management device This is achieved by the control method of the transfer agency management device.

  According to the invention of claim 8, the subject is a transfer information acquisition management process for acquiring and managing transfer information from a client terminal device operated by a requester who makes a transfer request to a computer, and a financial institution transfer that performs the transfer A transfer information providing step of providing the transfer information to the execution device; and a transfer agency management device control program for executing the transfer information providing step, wherein the transfer source account is the name of the financial institution set in the financial institution transfer execution device. As a transfer source account for the transfer agency management device used by the transfer agency management device, and according to the transfer information of the transfer agency management device, the financial institution transfer execution device funds the transfer source account for the transfer agency management device This is achieved by the control program of the transfer agency management device that executes the transfer of the payment.

  According to the invention of claim 9, the subject is a transfer information acquisition management step for acquiring and managing transfer information from a client terminal device operated by a requester who makes a transfer request to a computer, and a financial institution transfer that performs the transfer A transfer information providing step of providing the transfer information to an execution device, and a computer-readable recording medium recording a control program of a transfer agency management device for executing the financial information set in the financial institution transfer execution device The financial institution name transfer source account in the name of the institution is managed as a transfer source account for the transfer agency management device used by the transfer agency management device, and the financial institution transfer execution device performs the transfer according to the transfer information of the transfer agency management device. Computer readable recording of the transfer agent management device control program that executes the transfer of funds from the transfer source account for the agent management device It is accomplished by Do recording medium.

  The present invention relates to a transfer agency management device and a transfer agency management device that can be operated without imposing a credit risk of an operator of the system on a client while suppressing an increase in the amount of money transferred by a financial institution or the like. There is an advantage that it is possible to provide a control method, a transfer agent management device control program, and a computer-readable recording medium in which the transfer agent device control program is recorded.

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

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

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

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

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

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

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

Here, the transfer source account will be described. The account holder of the transfer source account is only a bank and is not a user of the account.
FIG. 4 is an explanatory diagram of the transfer source account.
Company X shown in FIG. 4 purchases raw materials from supplier Y and sells products to supplier Z. In this case, if company X has little resources, company X pays the purchase price from company Z to company Y. That is, the company X once puts all the sales proceeds from the company Z into an account under its own name, and then pays the purchase price to the company Y from among them.
At this time, if the creditworthiness of the company X is low, the company Y fears that once the company X deposits the sales into its own account, the funds are diverted in addition to the payment of the purchase price to the company Y.
Therefore, it is normal for Company Y to ask for payment of a security deposit before dealing with Company X.
This hinders the smooth operation of Company X, which has less funds.

Therefore, the bank provides a transfer source account as shown in FIG. This transfer source account is an account for X to transfer the purchase price to the supplier Y.
Since this account is a bank, this account is an account in which the company X cannot withdraw the funds deposited here (the price from the company Z) without permission.
Thus, Company X has the advantage that it can guarantee the payment of the purchase price to Company Y by using the transfer source account, and there is no need to pay a deposit or the like separately as in the prior art.

By the way, the transfer source account of the transfer source account data 211 in FIG. 3 is an account having the same characteristics as described above. FIG. 5 is a schematic diagram showing an example of the transfer source account data 211.
As shown in FIG. 5, the transfer source account has a bank code and a branch code, and is classified by “1002” by account type. That is, this account type is “transfer account”.
In addition, although there are many users of the transfer source account, the name of the account is only a bank name, and therefore is distinguished by a number.
In FIG. 5, for example, “1002003” is the transfer source account number used by the transfer proxy management device 100 of FIG.
That is, the transfer source account number “1002003” in FIG. 5 is an example of the financial institution name transfer source account in the name of the financial institution. Further, since this transfer source account number “1002003” is the transfer source account number of the transfer agency management device 100, the account with the same number is the transfer source account for the transfer agency management device used by the transfer agency management device 100. It is also an example.

Further, as illustrated in FIG. 5, the transfer source account number “1002003-001” is derived from the transfer source account number.
The requester's transfer source account number is an account for each requester who operates the requester terminal 11a of FIG.
This transfer source account for the requester is in the name of a bank, like the transfer source account of the transfer agency management device 100, but it is easy to manage transfer for each requester by opening an account for each requester. Become.

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

As shown in FIG. 3, the bank account management apparatus 200 has a transfer execution program 220 for the bank to execute the transfer. The bank account management apparatus 200 has an account reduction program 221 for subtracting the transfer amount from the balance of the requester's transfer source account in FIG.
In addition, a refund program 222 for returning funds from the requester's transfer source account in FIG. 5 is provided. The refund will be described later.
In this embodiment, the transfer execution program 220 and the refund program 222 are described separately. However, the present invention is not limited to this, and the transfer execution program 220 may serve as the refund program 222. In this case, a refund process is performed by the transfer execution program 220.
Further, the bank account management apparatus 200 has a transfer source account balance etc. transmission program 223 for notifying the transfer agency management apparatus 100 of FIG. 1 of the balance of the requester's transfer source account of FIG.
Further, the bank account management apparatus 200 has a overdraft determination program 224 that determines overdraft based on the overdraft data 214 in the account database 210.

FIG. 6 is a schematic explanatory diagram showing a main software configuration and the like of the transfer agency management device 100 of FIG.
As shown in FIG. 6, the transfer agency management apparatus 100 includes a control unit 101. The control unit 101 includes an input unit 102 such as a keyboard, a display unit 103 such as a display, and an interface that communicates with the outside. 104 is connected.
Moreover, the transfer agency management apparatus 100 has the transfer related information database 130. The transfer related information database 130 has transfer requester management master data 131. FIG. 7 is a schematic explanatory diagram showing an example of the transfer requester management master data 131. As shown in FIG. 7, the transfer requester management master data 131 stores data such as the requester number.

The transfer related information database 130 stores, for example, transfer details data 132 which is transfer information. FIG. 8 is a schematic explanatory diagram showing an example of the transfer details data 132. As shown in FIG. 8, data such as a requester number, a transfer date, and a destination account as a transfer destination are registered in the transfer details data 132.
The transfer related information database 130 stores virtual passbook data 133.
FIG. 9 is a schematic explanatory diagram showing an example of the virtual passbook data 133. As shown in FIG. 9, the virtual passbook data 133 stores data such as deposit amount, deposit balance, remittable amount, remittance end, remittance reservation, and the like.
For this reason, the virtual passbook 133 is an example of a virtual passbook unit that displays transfer related information including change information of the requester's transfer source account for each requester.
Therefore, the requester can easily and accurately grasp the status of the transfer requested by the client by accessing the transfer agency management device 100 via the requester terminal 11a and browsing the virtual passbook data 133.

Further, the transfer related information database 130 stores loan related data 134 and offset related data 135 for each client. These will be described later.
Further, the transfer related information database 130 includes a message 135 that prompts the requester terminal 11a for payment to the requester when there is a shortage in the balance of the requester's transfer source account in FIG. An error message 137 is stored.
Further, a refund alarm message 138 transmitted to the requester terminal 11a or the like is stored before the funds are refunded as will be described later from the requester's transfer source account in FIG.
Therefore, the refund alarm message 138 is an example of a warning that a forced refund is made.
Further, the transfer related information database 130 stores transfer request data 139 in which transfer details data 132 is created on a transfer date basis.

The transfer agency management apparatus 100 transfers the transfer related information input / output program 105 for acquiring transfer details data and the like from the requester terminal 11a, and the transfer source for acquiring the balance of the transfer source account for the client shown in FIG. An account balance information acquisition program 106 is provided.
In addition, the transfer agency management device 100 has a transfer date determination program 107 and a non-delivery information acquisition and notification program 108 that acquires transfer non-delivery information from the bank account management device 200 and notifies the requester terminal 11a and the like. ing.
In the transfer date confirmation program 107, it is determined whether or not the total transfer amount in the transfer details data 132 is smaller than the balance of the requester's transfer source account in FIG. When the total transfer amount is large and the balance is insufficient, a confirmation processing error message 137 in the transfer related information database 130 in FIG. 6 is transmitted to the requester terminal 11a and the like.
Therefore, the transfer date confirmation program 107 is an example of a transfer enable determination unit. As described above, since the shortage of the balance of the requester's transfer source account in FIG. 5 is determined not by the bank account management apparatus 200 of the bank but by the transfer agency management apparatus 100 of the card company, Remarkably reduced.

Moreover, when the balance of the transfer source account for requester in FIG. 5 is insufficient with respect to the total transfer amount in the transfer date determination program 107, the transfer agency management device 100 determines whether or not to automatically finance the shortage amount. An automatic loan contract determination program 109 is provided.
That is, the automatic loan contract determination program 109 is an example of a shortage amount providing unit that provides a shortage amount.
For this reason, even if the requester has a shortage of balance, the transfer is not interrupted immediately and continues as it is, so that the transfer system 10 is easy to use for the requester.

In addition, the transfer agent management apparatus 100 has a debt cancellation contract determination program 110 that is applied to the shortage of the balance when the client has an offsetting claim. The debt offsetting contract determination program 110 is also an example of a shortage amount providing unit that provides a shortage amount.
In addition, the transfer agency management device 100 includes a requester-by-requester payment history acquisition program 111 for acquiring a history of payments to the requester's transfer account in FIG. 5, and includes a funds retention period determination unit 112 and a refundability determination unit 113. Have.
The fund retention period determination unit 112 determines a period in which funds are retained in the account based on the requester-specific payment history information. Specifically, the determination is made based on the deposit data of the deposit history acquisition program 111 by requester.
Further, the refundability determination unit 113 determines whether or not the staying period has passed a predetermined period (for example, 5 days), and if it has elapsed, the payment account in the name of the client shown in FIG. The bank account management device 200 is instructed to forcibly refund the account.
For this reason, the fund retention period determination unit 112 is an example of a retention period determination unit that determines the retention period of residence in the account, and the refundability determination unit 113 determines whether or not the retention period has exceeded a corresponding period. This is an example of the period equivalence determining unit.
Further, the refund program 222 of the bank account management apparatus 200 is an example of a forced refund unit.

  As described above, the present embodiment is a system that is not for the purpose of transfer but cannot retain funds for a long time in the requester's transfer source account of FIG. In particular, since the account of FIG. 5 is not a client name but a bank name, it may be used for money laundering or hidden money, for example. However, in this embodiment, for example, a forced refund is made after 5 business days, so that it can be prevented from being used for money laundering or the like.

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

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

Next, as shown in ST2, the information obtained from the requester A is registered in the transfer related database 130 of the transfer agency device 100 via the input unit 102, and is set as transfer requester management master data 131 (see FIG. 7). ).
Further, as shown in ST3, the transfer agent management apparatus 100 sends the requester A “requester number (1010001)”, “requester ID number (NF3579)”, “person in charge ID number (MB0001)”, “password (S73K22DG). ”) (See FIG. 7). Then, the requester A is notified, and the information is registered as the transfer requester management master data 131.

Further, when the client A has concluded an automatic loan contract with the card company B, the client A is notified of the loan limit, and the information is registered in the transfer client management master data 131.
Further, the transfer agency management device 100 establishes a “requester transfer source account number (1002003-001)” in the name of the bank in association with its own transfer source account number (1002003) established in the bank (FIG. 5). In addition, the client A is notified of this account number and registered as transfer requester management master data 131 (see FIG. 7).
Thus, the pretreatment process is completed.

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

Next, as shown in ST12, authentication is performed. Specifically, authentication is performed using a requester ID, a person-in-charge ID, and a password.
If the authentication succeeds, the process proceeds to ST13, and if it fails, access is denied.
In ST13, the requester A transmits the transfer details data 132 (see FIG. 8) including the transfer destination, the transfer amount, and the like to the transfer agency device 100. Two methods can be selected for this.
(Internet entry method)
This is a method in which the client A creates and uploads the transfer details data 132.
(ASP (Application Service Provider) method)
In this case, the requester A calls the format of the transfer details data 132 in FIG. 8 on the requester terminal 11a, inputs the data for each destination (transfer destination), creates the transfer details data 132, and transfers the transfer agent device. 100 is registered.
The requester A transmits the transfer details data 132 to the transfer agency management device 100 by any method (an example of a transfer information acquisition management process).
This is the end of the transfer details transmission processing step, but in this transfer details transmission processing step, the transfer details data is simply registered in the transfer agency management device 100, and the transfer processing is not performed only in this step. .

Next, a deposit processing step is performed. The requester A transfers funds to the bank requester's transfer source account number (1002003-001) notified from the transfer agency management device 100.
The balance of the transfer source account number (1002003-001) for the requester is shown in FIG. 9 by the transfer source account balance etc. transmission program 223 of the bank account management device 200 and the transfer source account balance etc. information acquisition program 106 of the transfer agency management device 100. It is reflected in the “virtual passbook 133” shown.
Specifically, it is reflected in “Custody Amount”, “Custody Balance”, “Transmittable Amount (Remaining)”, etc. in the virtual passbook data 133 of FIG.
For this reason, the requester A can easily confirm the current deposit status when accessing the transfer agent management apparatus 100 with his / her requester terminal 11a.

As described above, since the requester A has performed the procedure of transferring the transfer details data 132 to the transfer agent management device 100 and depositing funds into the requester's transfer source account, the transfer confirmation process is performed next.
12 and 13 are schematic flowcharts showing the transfer confirmation process and the transfer process step.
First, as shown in ST21 of FIG. 12, the requester A operates the requester terminal 11a to access the transfer agent device 100, and authenticates with the requester ID, the person in charge ID, and the password.
If the authentication is successful in ST22, the transfer agency management device 100 reads the transfer details data 132 of the requester A already registered in the transfer related information database 130 and displays it on the requester terminal 11a of the requester A (ST23). ).

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

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

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

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

(If the total transfer amount is greater than the balance)
The automatic loan contract determination program 109 of the transfer agent management apparatus 100 determines whether or not the client A has concluded an automatic loan contract with reference to the loan related data 134 of the transfer related information database 130 (ST36).

(When an automatic loan contract is concluded)
When the automatic loan contract is concluded, the automatic loan contract determination program 109 refers to the loan related data 134, compares the loan limit data with the deficient amount (the difference between the total transfer amount and the balance), If the loan limit is larger than the shortage, the loan is executed (ST37).
FIG. 14 is a schematic explanatory diagram of automatic loan lending. As shown in FIG. 14, the balance of the requester's transfer source account for requester A is 400,000 yen, and the total transfer amount is 1 million yen.
At this time, the shortage amount is 600,000 yen. When the loan limit of client A is 1 million yen, the loan limit is larger than the shortage amount, and therefore the loan is automatically executed from the transfer agent management device 100.
Therefore, even when the requester A makes a deposit with a small amount of money, the transfer is not interrupted, so that the transfer can be completed quickly.
Next, the loan data (for example, 600,000 yen) executed by the client A is recorded as the loan related data 134 in the transfer related information database 130 of the transfer proxy management device 100 (ST38). Thereafter, the process proceeds to ST27.

If the shortage amount is larger than the loan limit in ST37, the transfer agent management device 100 calculates the number of days until the transfer date (ST39).
When the number of days is two days or more, the transfer agency management device 100 reads a message 136 that prompts payment to the requester in the transfer related information database 130 and transmits it to the requester terminal 11a of the requester A by e-mail. (ST41).
In this case, since the requester A has time to perform the deposit process, the requester A can be given an opportunity to deposit by such mail.

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

(When automatic loan contract is not concluded)
If the client A has not signed an automatic loan contract in ST36, it is determined whether or not the client A has concluded a debt cancellation contract (ST43).
Specifically, the debt cancellation contract determination program 110 of the transfer agency management device 100 makes a determination with reference to the offset related data 135 of the transfer related information database 130.

The debt offset agreement determination program 110 obtains the offset amount of the client A's offset from the offset-related data 135 (ST44) and compares it with the shortage amount (ST45).
If the shortage amount is smaller than the debt amount, the shortage amount is registered as the offset amount as offsetting-related data 135 (ST46), and the process proceeds to ST27.

If the client is not in a debt offset agreement or if the shortage exceeds the debt amount, the process proceeds to ST39.
That is, the transfer agency management device 100 calculates the number of days until the transfer date, and displays a message 136 or a confirmation processing error message 137 for prompting payment to the requester on the requester terminal 11a depending on the number of days.
Therefore, if there is a debt cancellation contract and the offset amount is not smaller than the shortage amount, the client A can receive the same treatment as the automatic loan contract.
Thus, the transfer confirmation process and the transfer process step are completed.

In the present embodiment, as shown in FIG. 5, since the requester's transfer source account is not an account under the name of the requester, there is a possibility that it will be used for money laundering, fund concealment, etc. There is a refund processing step that limits the period and forcibly refunds the funds that have not been transferred beyond that period.
FIG. 15 is a schematic flowchart showing the refund processing step.
First, as shown in ST51 of FIG. 15, the transfer source account balance etc. information acquisition program 106 of the transfer agency management device 100 acquires the deposit history of the requester's transfer source account number (1002003-001) of the bank account management device 200. To do.
Next, without confirming the transfer date in ST27 of FIG. 12 from the payment date, it is determined whether or not it is the fifth business day (the number of days in which the deposit account stays is less than five days) (ST52).

(If less than 5 days)
If the number of days of staying in the deposit account is less than 3 days, the process ends as it is (ST53). On the other hand, in the case of three days or more, the refund alarm message 138 of the transfer related information database 130 is transmitted as an electronic mail to the requester terminal 11a of the requester A, and the process ends.
At this time, the requester A can issue an instruction to perform the transfer date confirmation process of ST27 (FIG. 12) or to immediately perform the refund process. However, refunds will be made for funds that have already undergone the “transfer confirmation process”.

(If more than 5 days)
If the transfer date confirmation process has been completed in ST27 of FIG. 12, since the remittance destination has been confirmed, the process is terminated without performing the refund process (ST55).
On the other hand, when the transfer date confirmation process has not been completed in ST27 of FIG. 12, the transfer agency management device 100 determines the payment account number (008-350-0999) of the requester A from the transfer requester management master data 131 (FIG. 12). 7).
Then, the transfer agency management device 100 transfers the requester's transfer source account of the bank account management device 200 (
1002003-001) (see FIG. 7), the bank account management apparatus 200 is instructed to transfer the funds staying for five days or more to the client A's payment account (ST57).
The refund program 222 of the bank account management apparatus 200 performs a refund process to the payment account number (008-350-0999) of the client A (ST58).
This completes the refund process.
As a result, it is possible to prevent funds that are not used for a long time from staying in the bank account. That is, it is possible to effectively avoid the occurrence of money laundering, hidden money, violation of investment law, and the like.

As described above, when the balance of the requester's transfer source account of the requester A is less than the total transfer amount, the transfer agency management device 100 performs automatic financing or the like.
In addition, in the present embodiment, the bank account management apparatus 200 is configured to provide a loan when a shortage occurs.
FIG. 16 is a schematic flowchart showing the account balance report processing step.
First, in ST61, the overdraft determination program 224 of the bank account management apparatus 200 reads the balance of the requester's transfer source account (see FIG. 5) in the account database 210 (ST61).
Next, the overdraft determination program 224 refers to the overdraft data 214 in the account database 210 and determines whether or not the client A has concluded an overdraft contract (ST62).

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

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

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

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

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

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

A program storage medium used for installing the control program of the transfer agency management device in a computer and making it executable by the computer is, for example, a floppy disk such as a floppy (registered trademark), a CD-ROM (Compact Disc). Not only package media such as Read Only Memory (CD), Compact Disc-Recordable (CD-R), Compact Disc-Rewriteable (CD-RW) and DVD (Digital Versatile Disc), but also programs are stored temporarily or permanently. It can be realized by a semiconductor memory, a magnetic disk, a magneto-optical disk, or the like.

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

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

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 ... Transfer agency system, 11a ... Client terminal, 12 ... Internet network, 13a ... Financial institution terminal, 100 ... Transfer agency device, 130 ... Transfer related information database 130, 131 ... Transfer requester management master data, 132 ... Transfer details data, 133 ... Virtual passbook data, 134 ... Loan-related data, 135 ... Offset-related data, 139 ... Transfer request data, 210: Account database, bank account data, 213: Non-delivery data, 214: Overdraft data

Claims (9)

Obtain and manage the transfer information from the requester's terminal device operated by the requester who makes the transfer request,
A transfer agency management device that provides the transfer information to a financial institution transfer execution device that performs transfer,
Managing the financial institution name transfer source account in the name of the financial institution set in the financial institution transfer execution device as a transfer source account for the transfer agency management device used by the transfer agency management device,
According to the transfer information of the transfer agency management device, the financial institution transfer execution device is configured to transfer funds of the transfer source account for the transfer agency management device,
The transfer agency account for the transfer agency management device set in the financial institution transfer execution apparatus is derived from the transfer source account for the transfer agency management apparatus and the other transfer account under the name of the financial institution is set,
The transfer agency management device, wherein the other financial institution name transfer source account is a requester transfer source account used for a requester operating the requester terminal device. A residence period determination unit for determining a residence period in which the funds deposited in the financial institution name transfer source account is staying in the account;
A period equivalence determining unit for determining whether or not the residence period exceeds an equivalent period for preparation for transfer;
The transfer agency management device according to claim 1, further comprising: a forcible refund unit that forcibly withdraws the funds from the financial institution name transfer source account according to the determination of the period equivalence determination unit.   3. The transfer agent management according to claim 2, wherein the client terminal device is notified of a warning that the compulsory refund is made before the stay period reaches the equivalent period. apparatus.   4. The transfer agency according to claim 1, further comprising a virtual passbook unit that displays change information of transfer related information including change information of the financial institution name transfer source account for each client. Management device.   5. The transfer capability determination unit for comparing the total transfer amount of the transfer information with the balance of the financial institution name transfer source account and determining whether or not transfer is possible. The transfer agent management device according to any one of the above.   The transfer agency management device according to claim 5, further comprising a shortage amount providing unit that provides a shortage amount when the balance is smaller than the total transfer amount in the transfer possibility determination unit. A transfer information acquisition management process for acquiring and managing transfer information from the requester's terminal device operated by the requester who makes the transfer request;
A transfer information providing step of providing the transfer information to a financial institution transfer execution device that performs the transfer,
Managing the financial institution name transfer source account in the name of the financial institution set in the financial institution transfer execution device as a transfer source account for the transfer agency management device used by the transfer agency management device,
A method of controlling a transfer agency management device, wherein the financial institution transfer execution device transfers funds of the transfer source account for the transfer agency management device in accordance with the transfer information of the transfer agency management device. A transfer information acquisition management process for acquiring and managing transfer information from a terminal device for a requester operated by a requester who makes a transfer request to a computer;
A transfer information providing step of providing the transfer information to a financial institution transfer execution device that performs the transfer,
Managing the financial institution name transfer source account in the name of the financial institution set in the financial institution transfer execution device as a transfer source account for the transfer agency management device used by the transfer agency management device,
A control program for a transfer agency management device that causes the financial institution transfer execution device to transfer funds of the transfer source account for the transfer agent management device according to the transfer information of the transfer agent management device. A transfer information acquisition management process for acquiring and managing transfer information from a terminal device for a requester operated by a requester who makes a transfer request to a computer;
A transfer information providing step of providing the transfer information to a financial institution transfer execution device that performs the transfer, and a computer-readable recording medium that records a control program of the transfer agency management device for executing the transfer information providing step,
Managing the financial institution name transfer source account in the name of the financial institution set in the financial institution transfer execution device as a transfer source account for the transfer agency management device used by the transfer agency management device,
In accordance with the transfer information of the transfer agent management device, a computer-readable record that records a control program of the transfer agent management device that causes the financial institution transfer execution device to transfer funds of the transfer source account for the transfer agent management device. Medium.

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