JP2007286689A - Bank transfer device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a bank transfer device for decreasing a transfer fee in bank transfer from a transfer origin to a transfer destination. <P>SOLUTION: A transfer system 30 performing the bank transfer from the transfer origin to the transfer destination comprises a transfer information storage means storing transfer information for specifying an amount of transfer money and the transfer destination; a destination bank account information storage means storing the destination bank account information for specifying the destination bank account; an incoming bank account information storage means storing incoming bank account information for specifying an incoming bank account specified by the transfer destination; a bank communication means communicating with a banking system 70 of a bank; and a transfer destination optimizing means specifying the destination bank of the bank transfer. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to a bank transfer apparatus that performs bank transfer from a transfer source to a transfer destination.

  With the development of the Internet in recent years, net banking has become widespread, which enables various procedures for banks to be performed online, and various systems have been proposed to enhance user convenience in this net banking. Yes. For example, a system that divides and executes a bank transfer request from a user into a plurality of bank transfers has been proposed (see, for example, Patent Document 1).

JP 2004-54552 A

  Here, the transfer fee for bank transfer is usually higher in the case of transfer between different banks (hereinafter referred to as inter-bank transfer) than in the case of transfer between the same banks (hereinafter referred to as inter-bank transfer). Is set to Therefore, when the transfer source bank and the transfer destination bank are different from each other, it is necessary for the transfer source or the transfer destination to bear an expensive inter-bank transfer fee.

  The present invention was made to solve such problems caused by the prior art, and provides a bank transfer device that can reduce a transfer fee when performing a bank transfer from a transfer source to a transfer destination. The task is to do.

  In order to solve the above-described problems and achieve the object, the present invention according to claim 1 is an apparatus for performing a bank transfer from a transfer source to a transfer destination, which can be a destination bank of the bank transfer. A bank transfer system connected to the banking system of the bank transfer system, the transfer information storage means for storing the transfer information for specifying the transfer amount and the transfer destination of the bank transfer, and the destination bank account that can be used for the bank transfer. Destination bank account information storage means for storing destination bank account information for specifying; Destination bank account information storage means for storing destination bank account information for specifying a destination bank account specified by the transfer destination; A bank communication means for performing communication with the banking system of the bank; and a transfer destination optimization processing means for determining a destination bank of the bank transfer, the transfer destination optimization processing means, The destination bank account specified by the transfer destination specified by the transfer information is specified by referring to the destination bank account information storage unit based on the transfer information stored in the transfer information storage unit. , Referring to the destination account information storage means based on the identified destination bank account, to identify a destination bank account in the same bank as the identified destination bank account, and from the identified destination bank account Generate transfer instruction data for transferring the transfer amount specified by the transfer information stored in the transfer information storage means to the specified destination bank account, and the generated transfer instruction data is stored in the bank It transmits to the banking system of the bank in which the specified destination bank account is opened via a communication means.

  According to a second aspect of the present invention, in the first aspect of the present invention, the transfer information storage means further stores a bank transfer payment designation date as the transfer information, and the transfer destination optimization processing means Is to identify the bank transfer having the same payment specified date based on the transfer information stored in the transfer information storage means, the transfer instruction for the bank transfer having the same payment specified date It is characterized in that data generation is performed collectively.

  The present invention described in claim 3 is connected to the expense management system of the transfer source and the banking system of the collective bank for collecting the transfer funds of the bank transfer in the present invention described in claim 1 or 2. , A transfer source communication means for communicating with the expense management system of the transfer source, and a fund management means for moving the funds held by the transfer source to the transaction bank to the destination bank via the managing bank The fund management unit totalizes the transfer amount of the transfer source based on the transfer information stored in the transfer information storage unit, and based on the totaled result, from the bank to the managing bank And a second fund to be transferred from the coordinating bank to the specified destination bank account. To the bank, generate transfer data for transferring the calculated first funds, and send the generated transfer data to the transfer source expense management system via the transfer source communication means, Generate transfer instruction data for transferring the calculated second funds from the managing bank to the specified destination bank account, and the generated transfer instruction data via the bank communication means, Sending to the banking system of the summary bank.

  The present invention described in claim 4 provides the fee information for specifying the interbank fee and the interbank fee when performing the bank transfer from the destination bank to the destination bank in the present invention described in claim 3. Fee information storage means for storing, the transfer destination optimization processing means obtains an inter-bank fee for the specified destination bank account from the specified destination bank account from the fee information storage means, and the managing bank The interbank commission for the specified destination bank account or the inter-bank commission is obtained from the commission information storage means, and from the inter-bank commission for the specified destination bank account from the specified destination bank account, the managing bank If the inter-bank commission or other inter-bank commission for the specified destination bank account is low, It is a bank, and said.

  In the present invention described in claim 5, in the present invention described in claim 4, the fee information storage means includes an inter-bank fee and an inter-bank fee when the transfer amount is less than a predetermined reference transfer amount, Stores fee information for identifying interbank fees and other interbank fees when the transfer amount is equal to or greater than a predetermined reference transfer amount, and the transfer destination optimization processing means includes an interbank fee according to the transfer amount and The destination bank is determined based on the inter-bank fee.

  According to the present invention, since the transfer from the transfer source to the transfer destination can be executed as an inter-bank transfer, the transfer fee can be set to a lower inter-bank transfer fee than the transfer fee between other banks, and the transfer fee is optimized. Can be reduced.

  Further, according to the present invention, since bank transfers with the same payment specified date can be processed in a lump, the number of bank transfers can be optimized and the transfer fee can be reduced.

  Further, according to the present invention, since the funds of the transfer source can be collected from the transaction bank and transferred to the bank in a lump, the transfer work can be facilitated and the transfer fee can be saved. Further, since the funds of the transfer source can be collected and collected by the bank and transferred to the destination bank in a lump, the transfer fee can be saved also in this respect.

  In addition, according to the present invention, when the transfer fee reduction effect due to the transfer between the banks cannot be expected, the transfer fee is set to be the same or lower than the transfer fee between the banks. Fees can be optimized.

  Further, according to the present invention, the lowest transfer fee in each charge zone can be selected even when the inter-bank fee or the inter-bank fee changes with the reference transfer amount as a boundary.

  The best mode for carrying out the present invention will be described below with reference to the accompanying drawings. In this embodiment, after describing the system configuration, processing executed on this system will be described. In addition, after describing the embodiment, a modification to the embodiment will be described. However, the present invention is not limited to the embodiments.

  In the following description, the transfer system performs bank transfer of various expenses from the transfer source to the transfer destination (business partner). The transfer system may be owned by the transfer source itself or by a third party such as a transfer agency. In the latter case, the transfer source is a consignment company that entrusts the transfer agency to the transfer agency. Banks related to this transfer system include the destination bank that transfers bank transfers and the destination bank that receives payments from this destination bank, as well as the bank where the transferor is doing business, and the transfer agency. There is a coordinating bank where the company temporarily collects funds from each transfer source. In the following, the functions of the banks are distinguished from each other by using such names, but these banks may be substantially the same bank. Further, unless otherwise specified, the destination bank and the destination bank are substantially the same bank.

  FIG. 1 is a block diagram functionally conceptually showing the system configuration according to this embodiment. This system includes an expense management system 10 held by a transfer source, a transfer system 30 of a transfer agency, a banking system 50 held by a transfer bank, a banking system 60 held by a transfer bank, and a destination bank. The banking system 70 possessed and the banking system 80 possessed by the destination bank are configured to be connected to each other via a network (not shown) such as the Internet or a bank data communication system.

  Here, when the same bank is used as a bank, bank, destination bank, or destination bank, it is a matter of course that the communication network between these banking systems is omitted. Or can be connected to each other via an in-house communication network. Of these systems, the banking systems 50, 60, 70, and 80 can be configured in the same manner as conventional banking systems (farm banking systems, net banking systems), and thus detailed descriptions thereof are omitted. In the following, the expense management system 10 and the transfer system 30 will be mainly described.

(Expense management system 10)
First, the expense management system 10 will be described. FIG. 2 is a block diagram functionally conceptually showing the configuration of the expense management system 10. The expense management system 10 is a system that executes a process for managing various expenses of a transfer source, and executes a process related to a request for a transfer agent to the transfer system 30 and a process of a remittance instruction to a banking system 50 of a bank. is there. The expense management system 10 includes an entry unit 11, an expense management unit 12, a fund management unit 13, an accounts receivable management unit 14, a transfer system linkage unit 15, an electric banking (EB) linkage unit 16, another system linkage unit 17, and a contract management master. 18, a transfer destination master 19, a bank master 20, an employee master 21, and an account processing master 22.

  Specifically, the expense management system 10 is configured by a computer device such as a server device or a workstation, for example, and the entry unit 11, the management units 12 to 14, and the interlocking units 15 to 17 are CPUs. (Central Processing Unit) and an expense management program operating on the CPU, and each of the masters 18 to 22 is configured by a storage device such as an HD (Hard Disk).

  The entry unit 11 provides an input function for the person in charge of the transfer source to input information relating to the accounting of the transfer source. For example, the entry unit 11 presents a predetermined input screen for inputting these various types of information to the transfer source terminal device 23 in response to a request from the person in charge, and the various types of information input to this input screen are displayed as a predetermined master. 18-22. Alternatively, the entry unit 11 may be a predetermined other expense management related system (a salary system 24 for processing salary data of a transfer source employee, a transfer source The accounting system 25 that processes the account data, or, if the transfer source is a securities company, the securities back / front system 26 that manages the transfer data of the customer of the securities company, etc. The masters 18 to 22 are updated by fetching various information from these expense management related systems and storing them in the predetermined masters 18 to 22, and the data after the transfer agent is transmitted to the expense management related system.

  The expense management unit 12 is based on the transfer data input via the entry unit 11, generates accounting process data, predictive management process that compares the budget and actual expenses, and expense simulation process that predicts expenses The expense actual status request process for requesting information on the budget and the actual expenses and the expense payment status confirmation request process for requesting information on the expense payment status are executed. In addition, the expense management unit 12 is a function (voluntary function) for voluntarily instructing the transfer system 30 to perform a transfer process of a fixed amount transfer (for example, office rent or lease fee, hereinafter referred to as a fixed amount). Is provided.

  The fund management unit 13 captures the bank deposit balance of the transfer source in the bank by interlocking with the banking system 50 of the bank through the process of managing the fund schedule according to the due date of expenses, the EB link unit 16, Provides a function to manage cash flow for expense processing.

  The accounts receivable management unit 14 is a matching function for reconciling the management of expenses charged with the details of payment received from the bank through the EB interlocking unit 16, an expense processing (settlement processing) function for settlement data, and an accounts receivable Provide unchecked status management and confirmation request functions.

  The transfer system interlocking unit 15 provides a function of transmitting transfer request data to the transfer system 30, a function of acquiring transfer instruction data and transfer scheduled data from the transfer system 30, and a function of acquiring transfer completion data from the transfer system 30.

  The EB interlocking unit 16 provides a bank balance capture function, a transfer instruction data transmission function, a payment details data capture function, and a fund transfer instruction data transmission function of the house bank.

  The other system interlocking unit 17 has a function of importing data (payment transfer data, account accounting data or brokerage customer transfer data) with other expense management related systems, and the journal data to the accounting system 25. Provide the function to send.

  The contract management master 18 stores the fixed amount fixed time transfer information regarding the fixed amount fixed time transfer. For example, as shown in FIG. 3A, this fixed amount fixed time transfer information includes the name of the fixed amount fixed time transfer, the transfer destination ID for uniquely identifying the transfer destination, the transfer amount, and the transfer date (payment designated date). Are related to each other. This fixed amount fixed time transfer information is input in advance by the person in charge at the transfer source and stored via the entry unit 11.

  The transfer destination master 19 stores the transfer destination bank account information related to the bank account designated from the transfer destination. For example, as shown in FIG. 3B, the bank account information for the transfer destination is account information for specifying the transfer destination ID, the name of the transfer destination, and the designated account of the transfer destination (for example, the bank name, the branch, etc. Name, account type (ordinary or current), and account number) are associated with each other. This transfer destination bank account information is input by the person in charge at the transfer source and stored in advance.

  The bank master 20 stores bank information regarding each bank. For example, as shown in FIG. 3 (c), the bank information includes account information of a deposit account held by the transfer source in the bank, and account information held by the transfer system 30 in the bank. It consists of This bank information is input and stored in advance by the person in charge at the transfer source.

  The employee master 21 stores employee information related to the transfer source employee. For example, as shown in FIG. 3D, the employee information is configured by associating an employee ID, a name, an address, and a salary for uniquely identifying the employee. This employee information is input in advance by the person in charge at the transfer source and stored via the entry unit 11.

  The account processing master 22 stores account processing information related to account processing. For example, as shown in FIG. 3 (e), this account information is configured by associating a bank account of a transfer destination, a transfer amount, and a transfer completion date. This account processing information is transmitted from the transfer system 30 and stored via the transfer system interlocking unit 15.

(Transfer system 30)
Next, the transfer system 30 shown in FIG. 1 will be described. FIG. 4 is a block diagram functionally conceptually showing the configuration of the transfer system 30. This transfer system 30 performs bank transfer from the transfer source to the transfer destination, and corresponds to the bank transfer apparatus in the claims. The transfer system 30 includes an expense management system interlocking unit 31, a transfer statement due date management unit 32, a transfer destination optimization processing unit 33, a fund management unit 34, an NG detail management unit 35, an EB interlocking unit 36, and a transfer statement database (DB) 37. , A transfer destination master 38, a transfer fee master 39, and a bank master 40.

  Specifically, this transfer system 30 is configured by a computer device such as a server device or a workstation, for example, each interlocking unit 31, 36, each management unit 32, 34, 35, and a transfer destination optimization process. The unit 33 is configured by a CPU and a transfer agency program that operates on the CPU, and the transfer details DB 37 and the masters 38 to 40 are configured by a storage device such as an HD.

  The expense management system interlocking unit 31 inputs / outputs various information to / from the expense management system 10 and corresponds to the transfer source communication means processing means in the claims. The expense management system interlocking unit 31 has, for example, a function of fetching transfer request data from the expense management system 10, a function of sending transfer instruction data to a designated bank of the transfer system 30, transfer details data (labor saving effect and processing fee Billing data) and a transfer result data (transfer completion data or transfer NG data).

  The transfer detail date management unit 32 is processing means for managing the due date of the transfer details. The transfer detail date management unit 32 provides, for example, a payment due date management function for the transfer request details and a payment details inquiry request function.

  The transfer destination optimization processing unit 33 specifies an optimal transfer destination in order to reduce the transfer fee, and corresponds to the transfer destination optimization processing means in the claims. This transfer destination optimization processing unit 33 specifies, for example, the destination bank that can process the transfer data requested from the contracting company at the lowest cost, and the funds transfer data from the money management bank to the destination bank and the transfer request to the destination bank. It has a function of generating data and a function of generating transfer details data. In particular, the transfer destination optimization processing unit 33 identifies transfer request data having the same transfer date, and collectively executes a transfer destination optimization process to be described later on all the specified transfer request data. Have

  The fund management unit 34 manages the funds deposited from the transfer source, and corresponds to the fund management means in the claims. The fund management unit 34 takes in and updates, for example, a function for managing funds deposited from a transfer source, a function for transferring funds to a bank designated as a destination bank in a transfer destination optimization process, and a transfer process result. Provide functionality.

  The NG detail management unit 35 is a processing unit that manages the details that resulted in an error as a result of the transfer process. The NG detail management unit 35 provides, for example, a function of transmitting data of an NG detail to a transfer source, and a function of returning funds when correction data does not reach a certain period.

  The EB interlocking unit 36 inputs and outputs various types of information with the EB of the transaction bank, and corresponds to the bank communication means in the claims. Specifically, the EB interlocking unit 36 transmits the transfer instruction data to the banking system 50 of the transaction bank, loads the transfer result data from the banking system 50, and loads the bank balance from the banking system 50.

  The transfer details DB 37 stores data related to transfer schedules and results. For example, as shown in FIG. 5A, a transfer sent from the expense management system 10 and received via the expense management system interlocking unit 31. The request data and the transfer result data transmitted from the banking system 50 of the house bank and received via the EB interlocking unit 36 are stored. This transfer description DB 37 corresponds to the transfer information storage means in the claims.

  The transfer destination master 38 stores transfer destination bank account information similar to the transfer destination master 19 of the expense management system 10, and corresponds to a destination bank account information storage means in claims. For example, as illustrated in FIG. 5B, the bank account information for the transfer destination is configured by associating the transfer destination ID, the name of the transfer destination, and the account information with each other. This transfer destination bank account information is transmitted from the expense management system 10 at an arbitrary timing, and is received and stored via the expense management system interlocking unit 31.

  The transfer fee master 39 stores the transfer fee information regarding the transfer fee of each bank, and corresponds to the fee information storage means in the claims. For example, as shown in FIG. 5C, the transfer fee information is configured by associating a bank name, an interbank fee, and an interbank fee with each other.

  Here, the destination bank may change the bank charges and inter-bank charges between when the transfer is less than a specific transfer amount and when the transfer is more than a specific transfer amount. For example, a certain bank sets the inter-bank fee for transfers of less than 30,000 yen to 200 yen, and the inter-bank fee for transfers of more than 30,000 yen to 400 yen. Here, the amount of the boundary at which such a bank fee or inter-bank fee may change is referred to as a reference transfer amount. The transfer fee information includes a bank charge and inter-bank fee when transferring less than the standard transfer amount, and a bank charge and inter-bank fee when transferring more than the standard transfer amount. This transfer fee information is input in advance by the person in charge of the agency and stored via the entry unit 11 or is transmitted from the banking system 70 of the destination bank when the fee is updated at each bank. It is stored via the EB interlocking unit 16.

  The bank master 40 stores information on the deposit account under the name of each transfer source in the destination bank and the destination bank, and corresponds to the destination bank account information storage means in the claims. For example, as shown in FIG. 5 (d), this information includes account information (bank name, branch name, account type (ordinary or current)) for identifying the name of each transfer source and the deposit account under the name of each transfer source. ) Are related to each other.

(Transfer processing)
Next, the transfer process performed using each system comprised in this way is demonstrated. FIG. 6 is a flowchart of the transfer process. First, when the expense manager of the transfer source inputs the transfer destination, the transfer date (payment designation date), and the transfer amount, these pieces of information are transferred to the expense management unit 12 via the entry unit 11. This expense management unit obtains account information corresponding to the transfer destination by referring to the transfer destination master 19 based on the input transfer destination, and this account information is transferred to the transfer destination, transfer Transfer request data is generated by giving the date and the transfer amount, and the transfer request data is transmitted to the transfer system 30 via the transfer system interlocking unit 15 (step SA-1).

  Moreover, the expense management part 12 determines the presence or absence of the fixed fixed amount which the transfer timing comes within a predetermined time by referring the fixed amount fixed transfer information of the contract management master 18 regularly. If there is such a regular fixed amount, the expense management unit obtains account information corresponding to the transfer destination by referring to the transfer destination master 19 based on the transfer destination included in the fixed amount fixed-time transfer information. The transfer request data is generated by adding the account information to the fixed amount fixed-time transfer information input previously, and the transfer request data is transmitted to the transfer system 30 via the transfer system interlocking unit 15 (same step) SA-1).

  When the expense management system interlocking unit 31 of the transfer system 30 receives the transfer request data transmitted from the expense management system, the transfer request data is stored in the transfer details DB 37. At this time, the expense management system interlocking unit 31 stores the request data for each transfer date, thereby facilitating identification of the transfer process for each transfer date.

  Thereafter, the transfer date due date management unit 32 refers to the transfer date of the transfer request data in the transfer details DB 37 at a predetermined interval (for example, every day), and the transfer date that matches the predetermined processing timing (for example, the business day the next day of the current day) It is determined whether or not exists. And when such a transfer date exists, the transfer destination optimization process part 33 specifies the transfer request data which has the said same transfer date, and with respect to all the specified transfer request data of FIG. Execute transfer destination optimization process. In this way, by performing the transfer destination optimization process for transfer request data having the same transfer date in a lump, a plurality of transfers can be consolidated into a single transfer, and the transfer fee can be reduced.

  In the transfer destination optimization process, the transfer destination optimization processing unit 33 refers to the transfer amount of the transfer request data, and transfers the transfer request data to a group whose transfer amount is less than a predetermined reference transfer amount (hereinafter referred to as the first group). Then, the transfer amount is classified into a group (hereinafter referred to as a second group) having a reference transfer amount or more (step SB-1). Such a classification is performed because the destination bank to be selected as a bank with a low transfer fee may be different from the reference transfer amount.

  Then, the transfer destination optimization processing unit 33 sets the group to be processed as the first group (step SB-2), refers to the account information of the transfer destination included in the transfer request data belonging to the first group, and The number of appearances of each bank specified by the account information is counted (step SB-3). Then, one bank is selected from the banks in descending order of the number of appearances (step SB-4), and when the number of appearances of this bank is greater than at least 1 (when it appears twice or more). (Step SB-5, Yes), for the transfer request data including the bank in the account information of the transfer destination, the bank is determined as the destination bank and the destination bank (Step SB-7). As a result, the transfer fee can be reduced by performing the transfer between the bank.

  However, prior to this determination, the transfer destination optimization processing unit 33 refers to the inter-bank fee and the inter-bank fee less than the standard transfer amount in the bank master 40, and determines the inter-bank fee of the destination bank that has been tentatively determined and the coordinating bank. Is compared with the inter-bank fee from the bank to the destination bank (step SB-6). The transfer destination optimization processing unit 33 sets the bank as the destination bank and the destination bank only when the inter-bank fee is cheaper than the other-bank fee (step SB-6, Yes) (step SB-7).

  On the other hand, when the inter-bank fee is equal to or higher than the inter-bank fee (No in step SB-6), the transfer destination optimization processing unit 33 sets the bank as the destination bank and the bank as the destination bank (step) SB-8). As a result, when the inter-bank fee is a fixed amount than the inter-bank fee, the transfer fee can be reduced by providing the inter-bank fee. In particular, this reduction effect can be maximized by selecting in advance a bank with a low inter-bank commission as the managing bank. Note that the account of the transfer system 30 in the summary bank may be a separate deposit account (an account for temporarily storing deposits not corresponding to banking business).

  Further, when it is determined in step SB-5 that the number of appearances of the bank is only one (step SB-5, No. If the bank is not designated as a destination bank), the transfer destination optimization processing unit 33 Also for this bank, the managing bank is the destination bank and the bank is the destination bank (step SB-8).

  Thereafter, among the transfer request data belonging to the first group, steps SB-4 to SB-8 are repeated for the transfer request data for which the destination bank and the destination bank have not yet been determined (step SB-9), and all transfer requests are made. Determine the destination bank and destination bank for the data.

  When the destination bank and the destination bank are determined for all the transfer request data belonging to the first group (step SB-9, No), the transfer destination optimization processing unit 33 sets the processing target group as the second group (step SB-10, SB-11), Steps SB-3 to SB-9 are performed again on the transfer request data belonging to the second group, thereby determining the destination bank and the destination bank.

  In the second group transfer destination optimizing process, the bank master 40 referred to in step SB-6 refers to the bank transfer fee and other bank fees that are equal to or greater than the reference transfer amount. In this way, even when the inter-bank fee or the inter-bank fee changes with the reference transfer amount as a boundary, the lowest transfer fee in each charge zone can be selected. As described above, when the destination bank and the destination bank are determined for all the transfer request data belonging to the second group, the transfer destination optimization process ends.

  After that, returning to the transfer process of FIG. 6, the fund management unit 34 refers to the bank master 40 based on the destination bank and the destination bank determined for each transfer request data, thereby transferring the transfer of each transfer request data. Get a fee. And the transfer detailed data which totaled this transfer commission and the transfer amount specified by each transfer request data for every transfer origin are produced | generated. In addition, the fund management unit 34 generates, for each transfer source, transfer data obtained by collecting the required transfer amounts to the collecting bank.

  Here, the transfer amount is calculated as the sum of the transfer amount and transfer fee of each target transfer plus the transfer system 30 fee. The method of calculating the fee of this transfer system 30 is arbitrary, but for example, a fixed amount system, a pay-as-you-go system determined according to the transfer amount of each target transfer, or a reduction amount of the transfer fee by performing interbank transfer The pay-as-you-go system can be determined accordingly. Then, the fund management unit 34 transmits the transfer details data and the transfer data generated in this way to the expense management system 10 via the expense management system interlocking unit 31 (step SA-2).

  When the fund management unit 13 of the expense management system 10 receives the transfer details data and the transfer data from the transfer system 30 via the transfer system linkage unit 15, the funds management unit 13 stores the transfer details data in the account processing master 22. In addition, the fund management unit 13 generates transfer reservation data for transferring the transfer amount indicated by the transfer data from the transfer source bank to the bank. Specifically, the fund management unit 13 acquires from the bank master 40 the account information of the bank of the transfer source and the account information of the transfer system 30 in the coordinating bank. Then, transfer reservation data including the account information and the transfer amount indicated by the transfer data is generated.

  Then, the fund management unit 13 transmits the transfer reservation data to the banking system 50 of the bank by way of the EB interlocking unit 16, so that the transfer system 30 of the banking bank 30 A transfer amount is instructed to the deposit account (step SA-3). The banking system 50 of the bank that received this transfer reservation data collects the transfer amount specified in the transfer reservation data from the deposit account of the transfer bank in the same bank specified in the transfer reservation data. The bank account is transferred to the bank account in the name of the transfer source (step SA-4). In this way, the transfer source does not make an individual transfer to the destination bank specified by the transfer destination, but only transfers the total amount collected by the transfer system 30 from its own bank to the bank. Since all expenses can be transferred all at once, the transfer work is facilitated. Further, by consolidating the transfer work in this way, it is possible to save the transfer fee as compared with the case of performing individual transfer for each expense.

  On the other hand, the fund management unit 34 of the transfer system 30 makes a payment inquiry to the collecting bank via the EB interlocking unit 36 (step SA-5), and confirms whether or not the transfer from the transfer source bank to the collecting bank is completed. . Then, when confirming the completion of the transfer, the fund management unit 34 generates transfer instruction data for the summary bank.

  Specifically, with reference to the destination bank for each transfer request data determined in advance, the transfer fee and the transfer amount are aggregated for each account information of each transfer source in the destination bank to obtain transfer instruction data. Then, this transfer instruction data is transmitted to the collecting bank via the EB interlocking unit 36, thereby instructing the collecting bank to transfer money to the destination bank (step SA-6). The banking system 60 of the coordinating bank that has received this transfer instruction data transfers the total of the transfer fee and transfer amount specified in the transfer instruction data to the deposit account in the name of the transfer agency at the destination bank (step SA-7). ). As a result, the funds of the transfer source are indirectly transferred from the bank to the destination bank via the collecting bank.

  Thereafter, the fund management unit 34 of the transfer system 30 generates transfer instruction data for the destination bank. Specifically, the transfer fee and the transfer amount are totaled for each transfer source, and the account information of the transfer destination is added to obtain transfer instruction data. Then, this transfer instruction data is transmitted to each destination bank via the EB interlocking unit 36, thereby instructing each destination bank to transfer money to the destination bank (step SA-8).

  The banking system 70 of each destination bank that has received this transfer instruction data transfers the total of the transfer fee and the transfer amount specified in the transfer instruction data to the deposit account under the name of each transfer destination in the destination bank (step SA). -9). By performing such processing, each transfer can be executed as an inter-bank transfer, and the transfer fee can be optimized. This transfer is performed in the name of the transfer source. Therefore, the payee receiving the payment notice from the payee bank or the payee bank can easily identify the payee who made the transfer.

  Or the money management part 34 of the transfer system 30 produces | generates the data for instruct | indicating a direct transfer with respect to a bank for a collection bank as transfer instruction data with respect to a collection bank. That is, regarding the transfer request data with the destination bank as the central bank at the time of determination of the destination bank, the transfer fee and transfer amount are totaled for each transfer source and the account information of the transfer destination is added, and the transfer instruction data and To do. Then, this transfer instruction data is transmitted to the collecting bank via the EB interlocking unit 36, thereby instructing the collecting bank to transfer money to the destination bank (step SA-10).

  The banking system 60 of the coordinating bank that has received this transfer instruction data transfers the total of the transfer fee and transfer amount specified in the transfer instruction data to the deposit account under the name of each transfer destination in the destination bank (step SA- 11). This transfer is performed in the name of the transfer source. If you do not expect the effect of reducing the transfer fee due to the transfer between the banks by performing such a process (the transfer fee from the bank to the destination bank is the same or lower than the transfer fee between the banks) Transfer fees can be optimized (if any).

  Next, the banking system 70 of the destination bank completes the transfer completion information (bank account of the transfer destination, transfer amount, and transfer completion date) and the deposit account in the name of each transfer source after the transfer to the destination bank is completed. The balance is generated as transfer completion data, and this transfer completion data is transmitted to the transfer system 30 (step SA-12). In addition, when the transfer is not normally completed for some reason (for example, when there is no deposit account with the name specified as the transfer destination), transfer NG data indicating that the transfer could not be performed is transferred to the transfer system 30. (Same as step SA-12).

  The NG detail management unit 35 of the transfer system 30 that has received these transfer completion data and transfer NG data transmits the transfer completion data and transfer NG data to the expense management system 10 of each transfer source via the expense management system interlocking unit 31. By doing so, the transfer result is reported (step SA-13).

  When receiving the transfer completion data, the fund management unit 13 of the expense management system 10 stores the transfer completion data in the account processing master 22 as account information. Moreover, when the money management unit 13 receives the transfer NG data, the fund management unit 13 notifies the terminal device of the person in charge via the entry unit 11 that the transfer is NG. The person in charge reviews the fixed amount scheduled transfer information of the contract management master 18 and the transfer destination, transfer date and transfer amount entered earlier, corrects the information that caused NG, and then transfers the transfer again. Start processing. As a result, the transfer NG can be corrected.

  On the other hand, after transmitting the transfer NG data to the expense management system 10, the NG detail management unit 35 of the transfer system 30 monitors whether or not the transfer NG is corrected, and if the correction is not executed within a certain period, the transfer NG In order to return the transfer amount that could not be transferred by the destination bank to the transfer source bank, return instruction data including the transfer source account information and the transfer amount to be returned is generated, and this return instruction data is sent to the destination bank To the banking system 70. Then, the banking system 70 of the destination bank transfers the transfer amount to the bank account of the bank specified by the return instruction data. This completes the transfer process.

(Effect of embodiment)
As described above, according to the embodiment, since the transfer from the transfer source to the transfer destination can be executed as an interbank transfer in principle, the transfer fee is optimally set as an interbank transfer fee that is lower than the interbank transfer fee. Can be In addition, if it is not possible to reduce the transfer fee by performing interbank transfer, the transfer fee should be optimized by making the transfer fee equal to or lower than the interbank transfer fee. Can do. Furthermore, instead of making individual transfers to the destination bank, all the expenses can be transferred all at once by collecting the total amount collected by the transfer system 30 from your bank and transferring it to the bank. As a result, the transfer work is facilitated and the transfer fee can be saved. In this embodiment, a deposit account under the name of the transfer system is opened at the destination bank, and the transfer to the destination bank is made through this deposit account, so a deposit account under the name of the transfer source is opened at the destination bank. In addition, the banking system 70 of the destination bank need only be accessed by the transfer system 30, so that the usage fee of the banking system 70 of the destination bank can be saved.

[III] Modifications to Embodiments Although the embodiments of the present invention have been described above, specific configurations and methods of the present invention are within the scope of the technical idea of each invention described in the claims. Can be arbitrarily modified and improved. Hereinafter, such a modification will be described.

(About problems to be solved and effects of the invention)
The problems to be solved by the invention and the effects of the invention are not limited to the contents described above, and the present invention solves the problems not described above or produces the effects not described above. In addition, only a part of the described problems may be solved or only a part of the described effects may be achieved. For example, even in cases where the transfer fee cannot be reduced compared to the conventional case, as long as the possibility that the transfer fee can be reduced compared to the prior art is improved, or the same effect is different from the conventional method As long as it can be executed in the above, the problem of the present invention is solved.

(About configuration and control)
Further, all or any part of the control described as being automatically performed in the above embodiment may be performed manually, and conversely, all or any one of the control described as being performed manually is performed. The part may be automated based on a known technique or the above-described idea. Moreover, you may comprise a part or all of each functional block of each component shown in the said embodiment with a hard wired logic.

(About distribution and integration)
Each electrical component described above is functionally conceptual and does not necessarily need to be physically configured as illustrated. In other words, the specific form of distribution / integration of each part is not limited to the one shown in the figure, and all or a part thereof may be functionally or physically distributed / integrated in arbitrary units according to various loads and usage conditions. Can be configured.

  For example, the system configuration according to the present invention may be as shown in FIG. This system is a form in which the managing bank is shown as one bank belonging to the destination bank. The transfer process in this case can be performed in the same manner as in the above embodiment.

  Alternatively, the system configuration according to the present invention may be as shown in FIG. This system is a form in which the deposit account at the destination bank is not the name of the transfer system but the name of each transfer source. The transfer process in this case can be performed in the same manner as in the transfer process of the above embodiment, except that the deposit account in the destination bank is replaced with the deposit account in the name of the transfer source instead of the deposit account in the name of the transfer system. According to this system, even if the transfer system 30 is bankrupt, the deposit risk of each transfer source in the destination bank is protected, so that the credit risk of the transfer system 30 can be avoided.

  Alternatively, the system configuration according to the present invention may be as shown in FIG. This system is a system intended for transfer from a specific transfer source, and is a form in which the expense management system 10 of the specific transfer source is integrated into the transfer system 30. Further, the bank of the transfer source is not required, and the funds of the transfer source are pooled at a managing bank belonging to the destination bank. Further, here, the bank account is not a separate deposit but a deposit account of the transfer source. The transfer process in this case is the same as the transfer process in the above embodiment, (1) the account at the destination bank is read as a deposit account under the name of the transfer source instead of the account under the name of the transfer system, and (2) the expense management system 10 Are replaced with the functions of the respective parts of the transfer system 30, communication between these systems is replaced with internal communication of the transfer system 30, and (3) the processing for the bank is replaced with processing for the bank, and these bank And the processing between the banks is omitted. This system is particularly effective when there are many transfer cases from one transfer source. Further, there is a merit of simplifying the system by integrating the expense system and the transfer system 30. Furthermore, the transfer fee can be further reduced by making the transfer from the bank to the bank unnecessary. Moreover, even if the transfer system 30 fails, the deposit source deposit in the summary bank is protected, so that the credit risk of the transfer system 30 can be avoided.

(About transfer destination optimization processing)
In the above embodiment, the transfer request data is classified into the first group and the second group on the basis of one reference transfer amount, but the interbank fees and interbank fees of each bank are more detailed. When fluctuating, two or more reference transfer amounts may be set and subdivided into three or more groups, and the destination bank and the destination bank may be determined as described above.

  As described above, the present invention is applied to a system for automating a transfer, and is useful for optimizing and reducing a transfer fee.

1 is a block diagram functionally conceptually showing a system configuration according to an embodiment of the present invention. It is a block diagram which shows the structure of an expense management system functionally. It is a figure which shows the structure of the data stored in an expense management system. It is a block diagram which shows the structure of a transfer system functionally. It is a figure which shows the structure of the data stored in a transfer system. It is a flowchart of a transfer process. It is a flowchart of a transfer destination optimization process. It is a block diagram which shows the system configuration | structure which concerns on a modified example functionally. It is a block diagram which shows the system configuration | structure which concerns on a modified example functionally. It is a block diagram which shows the system configuration | structure which concerns on a modified example functionally.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Expense management system 11 Entry part 12 Expense management part 13 Fund management part 14 Accounts receivable management part 15 Transfer system interlocking part 16 Electric banking (EB) interlocking part 17 Other system interlocking part 18 Contract management master 19 Bank transfer master 20 Bank master 21 Employee Master 22 Account processing master 30 Transfer system 31 Expense management system interlocking section 32 Transfer details due date management section 33 Transfer destination optimization processing section 34 Fund management section 35 NG detail management section 36 EB interlocking section 37 Transfer details database (DB)
38 Bank transfer master 39 Bank transfer fee master 40 Bank master 50 (Bank of transaction) banking system 60 (Bank of the bank) Banking system 70 (Bank of destination) Banking system 80 (Bank of destination) Banking system

Claims (5)

A bank transfer device connected to a banking system of a bank that can be a destination bank of the bank transfer, the bank transfer from the transfer source to the transfer destination,
A transfer information storage means for storing transfer information for specifying the transfer amount and transfer destination of the bank transfer;
Destination bank account information storage means for storing destination bank account information for identifying a destination bank account that can be used for the bank transfer;
A destination bank account information storage means for storing destination bank account information for specifying a destination bank account designated by the transfer destination;
Bank communication means for communicating with the banking system of the bank;
A transfer destination optimization processing means for determining a destination bank of the bank transfer,
The transfer destination optimization processing means is:
The destination bank account specified by the transfer destination specified by the transfer information is specified by referring to the destination bank account information storage unit based on the transfer information stored in the transfer information storage unit. ,
Identifying a destination bank account in the same bank as the identified destination bank account by referring to the destination account information storage means based on the identified destination bank account;
Generate transfer instruction data for transferring the transfer amount specified by the transfer information stored in the transfer information storage means from the specified destination bank account to the specified destination bank account,
Sending the generated transfer instruction data to the banking system of the bank where the specified destination bank account is opened, via the bank communication means;
A bank transfer device. The transfer information storage means further stores a payment designated date of bank transfer as the transfer information,
The transfer destination optimization processing means identifies the bank transfer having the same payment specified date based on the transfer information stored in the transfer information storage means, and the bank transfer having the same payment specified date Generating the transfer instruction data in batches for
The bank transfer apparatus according to claim 1. Connected to the expense management system of the transfer source and the banking system of the coordinating bank for collecting the transfer funds of the bank transfer,
Transfer source communication means for performing communication with the expense management system of the transfer source,
A fund management means for transferring funds held by the bank to the bank to the destination bank via the managing bank;
The money management means includes
Based on the transfer information stored in the transfer information storage means, the transfer amount of the transfer source is totaled, and on the basis of the total result, the first funds to be transferred from the bank to the managing bank Calculating a second fund to be transferred from the organizing bank to the identified destination bank account;
Generating transfer data for transferring the calculated first funds from the bank to the managing bank;
The generated transfer data is transmitted to the transfer source expense management system via the transfer source communication means,
Generating transfer instruction data for transferring the calculated second funds from the managing bank to the specified destination bank account;
Transmitting the generated transfer instruction data to the banking system of the managing bank via the bank communication means;
The bank transfer apparatus according to claim 1 or 2, wherein A fee information storage means for storing fee information for specifying interbank fees and interbank fees when performing the bank transfer from the destination bank to the destination bank; and
The transfer destination optimization processing means is:
Accompanied commission for the specified destination bank account from the specified destination bank account is acquired from the fee information storage means,
The interbank commission or interbank commission for the specified destination bank account is acquired from the commission bank from the commission information storage means,
When the interbank fee or the interbank fee from the managing bank to the specified target bank account is lower than the interbank fee from the specified destination bank account to the specified destination bank account, the managing bank To be the destination bank,
The bank transfer apparatus according to claim 3. The fee information storage means includes an interbank fee and an interbank fee when the transfer amount is less than a predetermined reference transfer amount, and an interbank fee and an interbank fee when the transfer amount is equal to or greater than a predetermined reference transfer amount. Store fee information to identify
The transfer destination optimization processing means determines a destination bank based on the interbank fee and the interbank fee according to the transfer amount;
The bank transfer apparatus according to claim 4.

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