JP2009026114A - Host computer for executing transfer processing, transfer processing system and transfer processing method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To reduce loads to a host computer due to a suspension of transfer processing while enabling a receiver to exclude specific transfer. <P>SOLUTION: The host computer for executing transfer processing is provided with a receiving part for receiving transfer request information, a transaction judgment part for judging whether deposit processing to a transfer destination account is reserved or not on the basis of the contents of the transfer request information, a temporary storage part for storing account information concerned with a temporary reserve account which can execute temporary deposit/payment processing, and a transfer control part for executing the deposit processing to the transfer destination account when the transaction judgment part judges the suspension of the deposit processing to the transfer destination account. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to a host computer that executes a transfer process in response to a transfer process command and a transfer processing method realized by the host computer.

  In recent years, so-called “push-and-lending” has been a social problem, which involves making a direct transfer to a customer's deposit account and requesting unlawful interest. In order to cope with this, a technique is disclosed in which, when a transfer procedure is performed by a transfer person, a notification is sent to the recipient and only the transfer procedure permitted by the recipient is executed.

JP 2006-235670 A

  However, with the conventional technology, if the recipient cannot contact the recipient, the recipient forgets the answer, or the case where the “payment of transfer process” is the answer, the requested process is not completed and the host The computer transfer process is put on hold. If this hold state occurs simultaneously in many account transfers, there is a problem that a large load is applied to the host computer.

  The present invention has been made to solve at least a part of the conventional problems described above, and reduces the load on the host computer due to suspension of the transfer process while allowing the recipient to eliminate the specific transfer. For the purpose.

  The present invention for solving at least a part of the above problems adopts the following aspects.

  A first aspect of the present invention provides a host computer. The host computer according to the first aspect of the present invention is a transaction for judging whether or not to defer payment processing to a bank account based on the contents of the receiving unit that receives the transfer request information and the transfer request information. When it is determined by the determination unit, the temporary storage unit that stores account information related to a temporarily held account that can perform temporary deposit / withdrawal processing, and the transaction determination unit to hold the deposit process to the transfer destination account Includes a transfer control unit that executes a deposit process to the temporary holding account.

  According to the host computer according to the first aspect of the present invention, even when the depositing process to the deposit account is suspended, the deposit process is completed instead by executing the deposit process to the temporarily suspended account. . For this reason, even if the transfer to the transfer destination account is suspended, the load on the host computer due to the suspension of the process can be reduced.

  The host computer according to the first aspect of the present invention further includes an account information storage unit that stores a plurality of account information, and the transfer control unit executes a deposit process to the transfer destination account by the transaction determination unit. If it is determined, a deposit process to the bank account may be executed based on the transfer request information. In this case, the transfer process based on the contents of the transfer request information can be completed by executing the payment process to the transfer destination account.

  In the host computer according to the first aspect of the present invention, the transfer control unit may execute a transfer process from the temporary hold account to the transfer destination account in response to a request. In this case, transfer from the temporary hold account to the transfer destination account can be performed.

  The host computer according to the first aspect of the present invention further includes an external notification unit that sends out deposit processing suspension information to a recipient when the transfer control unit executes the deposit processing to the temporary suspension account. You may prepare. In this case, the payee can know that the transfer process has been suspended, and can determine whether or not to allow transfer to the transfer destination account.

  In the host computer according to the first aspect of the present invention, the external notification unit sends out transfer processing hold information to the transfer person when the transfer control unit executes a deposit process to the temporary hold account. May be. In this case, the transfer person can know that the transfer process has been suspended, and can request the receiver to respond to the held transfer process, for example, by directly contacting the recipient.

  The host computer according to the first aspect of the present invention further includes a definition table storage unit storing a transfer condition definition table in which conditions for executing a deposit process to the transfer destination account are defined, and the transaction determination unit includes the transaction determination unit, The determination as to whether or not to defer the payment process to the transfer destination account based on the content of the transfer request information may be executed by referring to the transfer condition definition table. In this case, the transfer process that meets the defined conditions can be put on hold.

  In the host computer according to the first aspect of the present invention, the definition table storage unit stores the transfer condition definition table for each account, and sets, changes, or deletes the transfer condition definition table according to a request from an account owner. You may do. In this case, the conditions for authorizing the transfer to the account can be determined by the account owner.

  In the host computer according to the first aspect of the present invention, the transfer control unit executes a reimbursement process to the transfer source account after the lapse of a predetermined period for the temporary holding account for which there is no request for the transfer process to the transfer destination account. May be. In this case, even if there is no request, it is possible to perform the process of returning the temporarily suspended account to the transfer source account.

A second aspect of the present invention provides a transfer processing system. The transfer processing system according to the second aspect of the present invention comprises two or more host computers, the receiving unit that receives the transfer request information, the account information storage unit that stores the account information of the transfer source account, and the transfer The transfer control unit that executes the withdrawal process from the original account, and the contact unit that creates the payment process request information for requesting the payment process to the transfer destination account and sends it to the other host computer. A first host computer possessing account information;
The receiving unit that receives the deposit process request information, the transaction determination unit that determines whether to defer the deposit process to the transfer destination account based on the content of the deposit process request information, and a deposit and withdrawal process When it is determined by the transaction determination unit that the temporary storage unit that stores possible temporary hold account information, the account information storage unit that stores account information of the transfer destination account, and the transaction determination unit hold the payment process to the transfer destination account Includes a transfer control unit that executes a deposit process to the temporary holding account, and a second host computer that holds account information of the transfer destination account.

  According to the transfer processing system according to the second aspect of the present invention, even if the deposit process to the transfer destination account is suspended, the transfer process of the transfer source account in the first host computer and the temporary process in the second host computer are performed. Payment processing to the hold account is executed and the transfer processing is completed. For this reason, it is possible to reduce the load on the host computer due to the suspension of the transfer process to the transfer destination account.

  In the transfer processing system according to the second aspect of the present invention, the first host computer further determines whether or not to defer payment processing to the transfer destination account based on the content of the transfer request information. If the determination unit, the temporary storage unit that stores the account information of the temporary hold account that can perform the deposit / withdrawal process, and the transaction determination unit determine that the deposit process to the transfer destination account is to be suspended, the temporary hold A transfer control unit that executes a deposit process to the account. In this case, the transfer process can be suspended also in the first host computer.

  The present invention can be realized in various modes, and can be realized as a transfer processing method for executing a transfer process, for example. Also, the present invention can be realized in the form of a computer program for realizing the functions of the apparatus, a recording medium on which the computer program is recorded, and the like.

  Hereinafter, a host computer and a transfer processing system for executing a transfer process according to the present invention will be described based on examples with reference to the drawings.

First embodiment:
The configuration of the host computer and the transfer processing system according to the first embodiment will be described with reference to FIGS. FIG. 1 is an explanatory diagram showing a schematic configuration of a transfer processing system.

  As shown in FIG. 1, a transfer processing system 1000 according to the present embodiment includes a bank A network system 10, a bank B network system 20, a bank C network system 30, and a bank D network system 40 as main components. The central system 50 and the dedicated line 60 are included. Here, the banks A to D are examples of two or more banks. The central system 50 includes a control server 51. The control server 51 is connected to the A to D bank network system via the dedicated line 60.

  The A bank network system 10 includes a first host computer 11, a window terminal 12, an ATM 13, and a dedicated line 14. The window terminal 12 and the ATM 13 are connected to the first host computer 11 via a dedicated line 14. The first host computer 11 is connected to the Internet line 70 and the dedicated line 60.

  The B bank network system 20 includes a second host computer 21, a window terminal 22, an ATM 23, and a dedicated line 24. The window terminal 22 and the ATM 23 are connected to the second host computer 21 by a dedicated line 24. The second host computer 21 is connected to the Internet line 70 and the dedicated line 60.

  The CD bank network system has the same configuration as the A bank network system 10 and the B bank network system 20. The host computers of the C to D banks are connected to the Internet line 70 and the dedicated line 60.

  A PC 80 which is a personal computer such as a home or office, a mobile phone 90, and a host computer of each bank are connected to the Internet line 70.

  In the A bank network system 10, the window terminal 12 or the ATM 13 exchanges information with the first host computer 11 via the dedicated line 14. Similarly, information is exchanged with respect to BD banks.

  Bank host computers such as the first host computer 11 and the second host computer 21 exchange information with each other via the dedicated line 60. The control server 51 of the central system 50 controls the exchange of information via the dedicated line 60. Bank host computers such as the first host computer 11 and the second host computer 21 exchange information with the PC 80 or the mobile phone 90 via the Internet line 70.

  The operation of the transfer process from the bank A account to the bank B account will be described. The window terminal 12 or the ATM 13 transmits information necessary for the transfer process to the first host computer 11. The first host computer 11 executes a withdrawal process to the transfer source account, and requests the second host computer 21 with the transfer destination account for a deposit process. The second host computer 21 executes a deposit process to the bank account according to the deposit process request. The first host computer 11 or the second host computer 21 can provide information such as the result of the transfer process to the PC 80 or the mobile phone 90. The first host computer 11 or the second host computer 21 can receive an account balance inquiry or a transfer process request from the PC 80 or the mobile phone 90.

  FIG. 2 is an explanatory diagram showing a schematic configuration of the first host computer 11 and the second host computer 21. As shown in FIG. 2, the first host computer 11 includes a memory 110 such as a ROM and a RAM, a CPU 120 that is a central processing unit, an external storage device 130 such as a hard disk drive, and a network interface connected to a dedicated line 60. 140.

  The CPU 120 controls the overall operation of the first host computer 11. The memory 110 stores a message reception / transmission module 111 and a transfer control module 113. The message reception / transmission module 111 and the transfer control module 113 are programs for causing the CPU 120 to execute specific processing. In the present embodiment, software implementation is shown, but it can also be realized by hardware using an integrated circuit or the like.

  The external storage device 130 stores an account information database 133 configured with information necessary for account management (hereinafter referred to as “account information”) such as a deposit holder name and deposit balance for each deposit account. The account deposit process means changing the account information of the deposit balance, which is a part of the account information database 133, to the contents after deposit. The same applies to the withdrawal process and recombination process. The network interface 140 is connected to the dedicated line 14 and the Internet line 70.

  The second host computer 21 includes a memory 210, a CPU 220, an external storage device 230, and a network interface 240 connected to the dedicated line 60.

  The CPU 220 controls the overall operation of the second host computer 21. The memory 210 stores a message reception / transmission module 211, a transaction determination module 212, a transfer control module 213, an external notification module 214, a response processing module 215, and a period management module 216. Each of the modules 211 to 216 is a program for causing the CPU 220 to execute a specific process. In the present embodiment, software implementation is shown, but it can also be realized by hardware using an integrated circuit or the like.

  The external storage device 230 stores a transfer condition definition table database 231, a temporary holding account information database 232, and an account information database 233. In the transfer condition definition table database 231, information related to conditions for executing the deposit process to the transfer destination account is registered for each deposit account.

  The temporary hold account information database 232 stores account information related to a temporary hold account (hereinafter referred to as “temporary hold account information”) that can temporarily execute the deposit / withdrawal process instead of the deposit process to the held transfer destination account. Is registered. The temporary holding account may be other than the account as long as it has the same function. The deposit process, withdrawal process or reorganization process to the temporary hold account means that the contents of the temporary hold account information database 232 are changed in the same manner as the deposit process to the account. The network interface 240 is connected to the dedicated line 14 and the Internet line 70.

  The message reception / transmission module 111 functions as a communication unit that creates and transmits a message to be transmitted to the host computer of another bank via the dedicated line 60 by the CPU 120. The message reception / transmission module 211 functions similarly by the CPU 220. The transaction determination module 212 functions as a transaction determination unit that determines whether or not the CPU 220 executes a deposit process to the transfer destination account.

  The transfer control module 113 functions as a transfer control unit that performs various processes such as deposit processing and withdrawal processing to an account or a temporary holding account by the CPU 120. The transfer control module 213 functions similarly by the CPU 220. The external notification module 214 functions as an external notification unit that notifies the transfer person or recipient of information via the Internet line 70 by the CPU 220.

  The response processing module 215 functions as a response processing unit that executes various processes such as a temporary holding account or an account deposit process or a withdrawal process when the CPU 220 receives a specific command. The period management module 216 functions as a period management unit that manages the holding period of the temporary holding account by the CPU 220 and executes a reorganization process from the temporary holding account to the transfer source account after a predetermined period.

  FIG. 3 is an explanatory diagram showing a transfer condition definition table FT constituting the transfer condition definition table database 231. The transfer condition definition table FT includes applicable conditions (transaction ID, transfer person name, transfer amount lower and upper limit, transfer period start and end, bank transfer flag) and judgment results (applicable) Processing), a holding deadline (holding deadline) at the time of holding the process, and other arbitrarily set conditions (others). The “holding deadline” column indicates the holding deadline of the temporary holding account when it is determined to be held. The holding deadline can be specified as a date and time as a holding period. Appropriate conditions can be added to the “Other” column. For example, data for fingerprint authentication can be defined. The transfer condition definition table FT can be set for each deposit account, and the addition or deletion of one line (hereinafter referred to as “judgment target line”), which is the applicable condition for permitting or holding the transfer, depends on the account owner. For example, it can be arbitrarily performed using the PC 80 or the mobile phone 90. Judgment target rows T1 to T4 are examples of registered judgment target rows.

  FIG. 4 is an explanatory diagram showing the temporary holding account information HT constituting the temporary holding account information database 232. Temporary hold account information HT includes hold record number, record date, hold deadline, transfer amount, transferee information (cash transfer flag, account number, name, contact information), and recipient information (account number). , Bank name, name, contact information) and others. When the deposit process to the temporary hold account is executed, a line with a new hold record number is created and the above information is recorded.

  The operation of the host computer and the transfer processing system according to the first embodiment will be described with reference to FIGS. 5 to 14. FIG. 5 is a flowchart of the processing for deferring payment to the transfer destination account. FIG. 6 is an example of a screen that the payee and the transferer confirm when depositing is suspended.

  Using FIG. 5, as a specific example, a case where a transfer person (name: cccc) transfers 40,000 yen from a bank A account A to a recipient B bank account B on October 1, 2007 will be described. .

  Input necessary items for transfer of transfer (transaction ID: none, transfer name: cccc, transfer source account: account A, transfer amount: 40,000 yen, transfer bank: bank B, transfer account: account B) Accordingly, the window terminal 12 or the ATM 13 creates a transfer request message and transmits it to the first host computer 11 (step S10).

  The first host computer 11 receives the transfer request message, and specifies a transfer destination account from the transfer request message (step S20). If the first host computer 11 determines that the bank account is at bank B, it creates a deposit request message and transmits it to the second host computer 21 (step S21).

  Receiving the deposit request message, the second host computer 21 specifies the transfer destination account from the information of the deposit request message, and confirms whether or not the deposit account B can be deposited (step S30). If the second host computer 21 determines that the deposit to the transfer account B is possible (step S30: YES), the second host computer 21 creates a deposit account confirmation message and transmits it to the first host computer 11 (step S32).

  When the first host computer 11 receives the deposit destination account confirmation message, it confirms whether the transfer person's transfer is by cash or by an account (step S22). If the first host computer 11 confirms that the transfer is from an account (step S22: NO), the first host computer 11 executes a withdrawal process of 40,000 yen from the transfer source account A. (Step S23).

  The second host computer 21 compares the transfer required input item of the deposit request message with the transfer condition definition table FT corresponding to the account B, and permits, rejects, or holds the deposit process to the transfer destination account B. Is determined (step S33).

  With reference to FIG. 3, a description will be given of a method in which the second host computer 21 determines whether to execute the deposit process for the deposit account with reference to the deposit condition definition table FT. The second host computer 21 compares the transfer required input item of the deposit request message with the determination target line of the transfer condition definition table FT corresponding to the account B, and confirms whether the corresponding determination target line exists. When there is a corresponding determination target line, the second host computer 21 sets the determination result to the content of the “processing when applicable” in the determination target line. If there is no relevant judgment target line, it is judged that the transfer to the transfer destination account is refused.

  The determination target line will be specifically described. The determination target line T1 means that all transfers are permitted. Judgment target line T2 means that transfer by cash is refused and all the account transfers are permitted. The judgment target row T3a permits a transaction ID, a transfer amount of 10,000 yen to 15,000 yen, and all conditions of a period from May 21, 2007 to October 6, 2007 are permitted. It means that.

  The determination target row T3b means that the transaction ID is suspended when the transaction ID matches the period. The host computer has entered a transaction ID according to the judgment target line T3a and the judgment target line T3b, and between May 21 and October 6, 2007, 10,000 yen or more and 15,000 yen or less If it is a transfer, it is determined to be permitted, and if the amount is other than that, it is determined to be pending. Further, if it is determined that the transaction is on hold, when November 6, 2007 elapses, a reversal process from the temporary hold account to the transfer source account is executed.

  The determination target row T4 indicates a list of names of transfer persons who are permitted to transfer. According to this, it is possible to refuse a transfer from an unspecified name for “push and lend”. Here, the host computer determines that the judgment is permitted or suspended if there is an applicable judgment target line, and if there is no relevant judgment target line, the host computer judges that the object is rejected. It is also possible to allow when there is no judgment target line. Thereby, only the transfer from a specific transfer person can be refused.

  Here, it is assumed that the transfer condition definition table FT corresponding to the account B is the determination target row T3. The second host computer 21 confirms that the transfer required input item of the deposit request message corresponds to the determination target row T3d, and determines that the deposit process to the account B is on hold (step S33: hold). The second host computer 21 executes a deposit process for the temporary holding account in place of the deposit process for the account B. The second host computer 21 newly creates a temporary holding account information row H1 (FIG. 4) with the holding record number 00003 in the temporary holding account information HT as a depositing process to the temporary holding account (step S37).

  The second host computer 21 refers to the contact address included in the row H1 of the created temporary hold account information HT, and notifies the recipient's PC 80 or mobile phone 90 of a hold notification (step S38). The PC 80 or the mobile phone 90 displays the payee hold notification screen TU1 shown in FIG. 6, and prompts the payee to determine whether to permit or reject the held transfer (step S40).

  The second host computer 21 creates a hold notification message for notifying the transfer person that the payment to the transfer destination account B has been held, and transmits the hold notification message to the first host computer 11. When receiving the hold notification message, the first host computer 11 transmits a transfer hold notification to the window terminal 12 or the ATM 13 (step S39). The ATM 13 receives the transfer hold notification, displays the transfer person payment hold notification screen TU2 shown in FIG. 6, and prompts the transfer person to directly contact the recipient (step S12).

・ Non-payment processing:
Processing in the case where payment to the transfer destination account is impossible in step S30 will be described. FIG. 7 is a flowchart of the process when payment to the bank account is impossible.

  The second host computer 21 confirms whether or not the transfer destination account B can be deposited (step S30). If the second host computer 21 determines that payment is not possible (step S30: NO), a non-payment message is transmitted to the first host computer 11 (step S31). After receiving the non-payable message, the first host computer 11 creates an error message and sends it to the window terminal 12 or the ATM 13 (step S24). The window terminal 12 or the ATM 13 displays an error message and asks the transfer person for a response (step S14).

・ Payment authorization processing:
A case will be described in which, in step S33, the transfer amount is 20,000 yen and payment to the transfer destination account is permitted. FIG. 8 is a flowchart of processing for authorizing payment to the bank account. FIG. 9 shows an example of a screen that the transfer person confirms when depositing is permitted.

  The second host computer 21 confirms that the transfer required input item of the deposit request message corresponds to the determination target row T3c, and determines that the deposit process to the account B is permitted (step S33: permission). The second host computer 21 executes a deposit process to the transfer account B. (Step S34). The second host computer 21 creates a payment completion message and transmits it to the first host computer 11 (step S35). The first host computer 11 receives the deposit completion message, and transmits the transfer result to the window terminal 12 or the ATM 13 (step S25). The window terminal 12 or the ATM 13 displays the payment completion notification screen TU3 of FIG. 9 to the transfer person (step S15).

・ Payment rejection processing:
A case where the transfer amount is 60,000 yen in step S33 and payment to the transfer destination account is refused will be described. FIG. 10 is a flowchart of processing for refusing payment to a bank account. FIG. 11 shows an example of a screen that the transfer person confirms when deposit is refused.

  The second host computer 21 confirms that the transfer required input item of the deposit request message does not correspond to any of the determination target rows T3, and determines that the deposit process to the account B is rejected (step S33: reject). The second host computer 21 creates a payment rejection message and transmits it to the first host computer 11 (step S36). The first host computer 11 receives the deposit refusal message, and executes a process of returning to the transfer source account A (step S26). The first host computer 11 transmits a rejection result to the window terminal 12 or the ATM 13 (step S27). The window terminal 12 or the ATM 13 displays the deposit rejection notification screen TU4 of FIG. 11 to the transfer person (step S16).

・ Response processing:
A process when the host computer receives a response instruction for rejecting payment from the temporary hold account to the transfer destination account from the recipient after the transfer to the transfer destination account is suspended will be described. FIG. 12 is a flowchart for executing the reassembly process in response to a response command.

  Recipient who has received the notice that the transfer has been held on the payment hold notification screen TU1 for the payee, refuses transfer from the temporary hold account to account B as a response to the notification by a device such as PC 80 or mobile phone 90 The processing command to be transmitted is transmitted to the second host computer 21 (step S400).

  The second host computer 21 receives the processing command and determines the content of the processing command (step S300). If the second host computer 21 determines that it is a transfer rejection processing command (step S300: NO), it creates a reorganization request message and transmits it to the first host computer 11 (step S304). When the first host computer 11 receives the reorganization request message, the first host computer 11 identifies the transfer source account A and executes reorganization processing (step 200).

  The second host computer 21 executes a process for reassembling the corresponding temporary suspension account (step S305). The second host computer 21 transmits a notification that the refusal processing has been completed to the recipient and the transfer person (step S306). The recipient confirms that the refusal processing has been completed by the PC 80 or the mobile phone 90 (step S401), and the transferee is also informed of the refusal (step S100).

・ Pending account withdrawal processing:
A process when the host computer receives a response command permitting payment from the temporary hold account to the transfer destination account from the recipient after the transfer to the transfer destination account is suspended will be described. FIG. 13 is a flowchart for executing a deposit process in response to a response command. The second host computer 21 receives the processing command and determines that it is a transfer permission processing command (step S300: YES).

  The second host computer 21 specifies a temporary holding account and executes a withdrawal process (step S301). The second host computer 21 specifies the transfer account B and executes a deposit process (step S302). The second host computer 21 transmits a notice of completion of the transfer process to the recipient and the transfer person (step S303). The recipient confirms that the transfer process has been completed by the PC 80 or the mobile phone 90 (step S402), and notifies the transfer person that the transfer has been made (step S101).

-Period elapsed processing:
A process executed by the host computer when there is no response command from the payee after the deposit to the transfer account is suspended will be described. FIG. 14 is a flowchart for executing the recombination process when there is no response command. The second host computer 21 confirms a temporary holding account for which there is no processing command from the recipient even after a predetermined period has elapsed (step S310: YES). A reorganization request message for executing reorganization processing of a temporary holding account without a processing command from the recipient is created and transmitted to the first host computer 11 (step S311).

  When the first host computer 11 receives the reorganization request message, the first host computer 11 identifies the transfer source account A that has performed the transfer to the temporary holding account, and executes reorganization processing (step S210). The second host computer 21 executes a process for returning the corresponding temporarily suspended account (step S312). The second host computer 21 transmits a notification to the effect that the reorganization process has been executed to the recipient and the transfer person (step S313). The recipient confirms that the reorganization processing has been executed by the PC 80 or the mobile phone 90 (step S410), and the recipient is notified that the recombination has been performed (step S110).

  According to the first embodiment, even if the payment requested by the transfer person is put on hold, the transfer source account withdrawal process is executed by executing the payment process to the temporary hold account. The response to the transfer request is completed. This makes it possible to hold the transfer while suppressing the load on the host computer due to the accumulation of incomplete processes.

Second embodiment:
The configuration of the host computer and the transfer processing system according to the second embodiment will be described with reference to FIGS. In the second embodiment, a case will be described in which the transfer destination account is in the same bank as the transfer source account. The schematic configuration of the transfer processing system, the transfer condition definition table database, and the temporary hold account information database shown in FIGS. 1, 3, and 4 are the same as those in the first embodiment. FIG. 15 is an explanatory diagram showing a schematic configuration of the first host computer 11a in the second embodiment. FIG. 16 is a flowchart of a process for deferring payment to a bank account in the second embodiment.

  As shown in FIG. 13, the first host computer 11a includes a memory 110, a CPU 120, an external storage device 130, and a network interface 140. The CPU 120 controls the overall operation of the second host computer 21. The memory 110 stores a message reception / transmission module 111, a transaction determination module 112, a transfer control module 113, a response processing module 115, and a period management module 116. Each of the modules 111 to 116 is the same as the module in the first embodiment, and each of the modules is a receiving unit, an external notification unit, a communication unit, a transaction determination unit, a transfer control unit, a response processing unit, and a period management unit. It has the same function as the functional unit in the embodiment.

  The external storage device 130 stores a transfer condition definition table database 131, a temporary holding account information database 132, and an account information database 133. The configuration of each database is the same as in the first embodiment.

  As a specific example, in the specific example of the first embodiment, the transfer destination is not account B of bank B but account C of bank A. Since the method for determining the deposit process for the bank account is the same as in the first embodiment, the details will be omitted.

  When the transfer person inputs the transfer required input items, the window terminal 12 or the ATM 13 creates a transfer request message and transmits it to the first host computer 11a (step S1000). The first host computer 11a receives the transfer request message, and specifies a transfer destination account from the transfer request message (step S2000). If the first host computer 11a determines that the bank account is in the bank, the first host computer 11a identifies the bank account C and confirms whether the account C can be deposited. (Step S2010). If the first host computer 11a determines that payment to the transfer account C is possible (step S2010: YES), the first host computer 11a checks whether the transfer is made by cash or by an account (step S2020).

  When the first host computer 11a confirms that the transfer is from an account (step S2020: NO), the first host computer 11a executes a 40,000 yen withdrawal process from the transfer source account A. (Step S2030). The first host computer 11a determines whether to accept, reject, or hold the deposit process to the account C as the transfer destination (step S2040). The first host computer 11a suspends the deposit process to the account C (Step S2040: Hold), in place of the deposit process to the account C, the deposit process to the temporarily suspended account is executed. (Step S2050)

  The first host computer 11a notifies the recipient's PC 80 or mobile phone 90 of a hold notification (step S2060). The PC 80 or the mobile phone 90 displays the payee hold notification screen TU1 shown in FIG. 6, and prompts the payee to determine whether to permit or reject the transfer (step S4000). The first host computer 11a transmits a transfer hold notification to the window terminal 12 or the ATM 13 (step S2070). The ATM 13 receives the transfer hold notification, displays the transfer person payment hold notification screen TU2 shown in FIG. 6, and prompts the transfer person to directly contact the recipient (step S1010).

・ Non-payment processing (2):
In step S2010, a process when depositing into the bank account is not possible will be described. FIG. 17 is a processing flow in the case where it is not possible to deposit money into the bank account in the second embodiment. In the second embodiment, when the deposit to the bank account C is not possible (step S2010: NO), the first host computer 11a creates an error message and transmits it to the window terminal 12 or the ATM 13 (step S2011). . The window terminal 12 or the ATM 13 displays an error message and asks the transfer person for a response (step S1011).

・ Payment permission processing (2):
A case will be described in which, in step S2040, the transfer amount is 20,000 yen and payment to the transfer destination account is permitted. FIG. 18 is a flowchart of a process for authorizing payment to a bank account in the second embodiment. The first host computer 11a determines that the deposit process to the transfer account C is permitted (step S2040: permit), and executes the deposit process to the account C. (Step S2041). The first host computer 11a transmits the transfer result to the window terminal 12 or the ATM 13 (step S2042). The window terminal 12 or the ATM 13 displays the payment completion notification screen TU3 of FIG. 9 to the transfer person (step S1041).

・ Payment rejection processing (2):
A case will be described in which, in step S2040, the transfer amount is 60,000 yen and payment to the transfer destination account is refused. FIG. 19 is a flowchart of processing for refusing payment to a bank account in the second embodiment. The first host computer 11a determines that the deposit process for the account C is rejected (step S2040: reject). The first host computer 11a executes a process of returning to the transfer source account A (step S2043). The first host computer 11a transmits a rejection result to the window terminal 12 or the ATM 13 (step S2044). The window terminal 12 or the ATM 13 displays the deposit rejection notification screen TU4 of FIG. 11 to the transfer person (step S1043).

  The response process and the pending account withdrawal process shown in the first embodiment can be implemented in the second embodiment. Also, the period elapse process shown in the first embodiment can be implemented in the second embodiment.

  According to the second embodiment, the transfer processing between the same banks can be suspended while suppressing the load on the host computer due to the accumulation of uncompleted processing, as in the first embodiment. .

  In addition to these embodiments, both the first host computer and the second host computer have a receiving unit, an external notification unit, a contact unit, a transaction determination unit, a transfer control unit, a response processing unit, It is also possible to provide a period management unit. In addition, both host computers can include a transfer condition definition table database, a temporary holding account information database, and an account information database.

  The first host computer that has received the transfer request message may transmit a deposit request message to the second host computer and determine whether to permit the transfer. The second host computer may determine whether to permit the transfer based on the deposit request message.

  If the first host computer determines that the transfer is to be suspended, the first host computer may execute a transfer process to the temporary suspension account. If the second host computer 21 determines to suspend the transfer, the second host computer 21 may cause the temporary hold account to execute the transfer process. You may share a transaction judgment part and a transfer condition definition table database.

It is explanatory drawing which shows schematic structure of a transfer processing system. 2 is an explanatory diagram showing a schematic configuration of a first host computer 11 and a second host computer 21. FIG. It is explanatory drawing which shows the transfer condition definition table FT which comprises the transfer condition definition table database 231. FIG. It is explanatory drawing which shows the temporary holding account information HT which comprises the temporary holding account information database 232. FIG. It is a flowchart of the process which withholds the payment to a transfer account. It is an example of the screen which a payee and a transfer person confirm at the time of payment suspension. It is a flowchart of a process in case the payment to a transfer account is impossible. It is a flowchart of the process which permits the payment to a transfer account. It is an example of the screen which a transfer person confirms at the time of payment permission. It is a flowchart of the process which refuses the payment to a transfer account. It is an example of the screen which a transfer person confirms at the time of payment refusal. It is a flowchart which performs a reorganization process by a response command. It is a flowchart which performs a money_receiving | payment process by a response command. It is a flowchart which performs a reorganization process when there is no response command. It is explanatory drawing which shows schematic structure of the 1st host computer 11a in a 2nd Example. It is a flowchart of the process which withholds the payment to the transfer account in a 2nd Example. It is the flow of a process in case the payment to the transfer account in a 2nd Example is impossible. It is a flowchart of the process which permits the payment to the transfer account in a 2nd Example. It is a flowchart of the process which refuses the payment to the transfer place account in a 2nd Example.

Explanation of symbols

11, 11a ... first host computer,
21 ... Second host computer 12, 22 ... Window terminal 13, 23 ... ATM
14, 24 ... Dedicated line 50 ... Central system 51 ... Control server 60 ... Dedicated line 70 ... Internet line 80 ... PC
90 ... mobile phone 110, 210 ... memory 111, 211 ... message reception / transmission module 112a, 212 ... transaction determination module 113, 213 ... transfer control module 114a, 214 ... external notification module 115a, 215 ... response processing module 116a, 216 ... period Management module 120, 220 ... CPU
130, 230 ... External storage devices 131a, 231 ... Transfer condition definition table database 132a, 232 ... Temporary hold account information database 133, 233 ... Account information database 140, 240 ... Network interface 1000 ... Transfer processing system FT ... Transfer condition definition table HT ... Temporary hold account information TU1 ... Payment hold notification screen for recipient TU2 ... Payment hold notification screen for transfer TU3 ... Payment completion notification screen TU4 ... Payment rejection notification screen

Claims (12)

A host computer that executes a transfer process,
A receiving unit for receiving the transfer request information;
Based on the content of the transfer request information, a transaction determination unit that determines whether or not to defer the payment process to the transfer account,
A temporary storage unit for storing account information related to a temporarily held account capable of performing temporary deposit and withdrawal processing;
A host computer comprising: a transfer control unit that executes a payment process to the temporary holding account when the transaction determination unit determines to hold the payment process to the transfer destination account. The host computer according to claim 1 further comprises:
An account information storage unit for storing account information of a plurality of accounts;
The said transfer control part is a host computer which performs the payment process to a transfer destination account based on the said transfer request information, when it is judged by the said transaction determination part to perform the payment process to a transfer destination account. In the host computer according to claim 1 or 2,
The said transfer control part is a host computer which receives the request | requirement and performs the transfer process from the said temporary suspension account to the said transfer destination account. The host computer according to any one of claims 1 to 3 further includes:
A host computer including an external notification unit that sends out deposit processing suspension information to a recipient when the transfer control unit executes the deposit processing to the temporary suspension account. In the host computer according to any one of claims 1 to 4,
The external notification unit is a host computer that sends transfer process hold information to a transfer person when the transfer control unit executes a deposit process to the temporary hold account. The host computer according to any one of claims 1 to 5 further includes:
A definition table storage unit that stores a transfer condition definition table in which conditions for executing payment processing to a transfer account are defined,
The said transaction determination part is a host computer which performs judgment by referring to the said transfer condition definition table whether the payment process to a transfer destination account is suspended based on the content of the said transfer request information. The host computer according to claim 6.
The definition table storage unit stores the transfer condition definition table for each account, and sets, changes, or deletes the transfer condition definition table in response to a request from an account owner. The host computer according to any one of claims 1 to 7,
The said transfer control part is a host computer which performs the reimbursement process to a transfer origin account after progress for a predetermined period about the said temporary holding account without the request | requirement of the transfer process to a transfer destination account. A transfer processing system comprising two or more host computers,
The receiving unit that receives the transfer request information, the account information storage unit that stores the account information of the transfer source account, the transfer control unit that executes a withdrawal process from the transfer source account, and a payment process to the transfer destination account A first host computer having account information of a transfer source account, comprising: a contact unit that creates payment processing request information to be requested and sends it to another host computer;
The receiving unit that receives the deposit process request information, the transaction determination unit that determines whether to defer the deposit process to the transfer destination account based on the content of the deposit process request information, and a deposit and withdrawal process The temporary storage unit that stores the account information of a possible temporary holding account, the account information storage unit that stores the account information of the transfer destination account, and the transaction determination unit are determined to hold the payment process to the transfer destination account And a second host computer having account information of the transfer destination account provided with the transfer control unit for executing the deposit process to the temporary holding account. In the transfer processing system according to claim 9,
The first host computer further includes
Based on the content of the transfer request information, a transaction determination unit that determines whether or not to defer the payment process to the transfer account,
A temporary storage unit for storing account information of a temporarily held account that can be processed for deposit and withdrawal;
A transfer processing system, comprising: a transfer control unit that executes a payment process to the temporary holding account when the transaction determination unit determines to hold the payment process to the transfer destination account. A transfer processing method for executing a transfer process,
Receiving the transfer request information; and
A step of determining whether or not to defer the payment process to the bank account based on the content of the transfer request information;
A transfer processing method comprising: a step of executing a payment process to a temporary holding account when it is determined that the payment process to the transfer destination account is suspended. A transfer processing method comprising two or more host computers,
A step of receiving transfer request information by the first host computer, a step of executing a withdrawal process from the transfer source account, a step of creating payment processing request information and sending it to another host computer;
By the second host computer
Receiving the deposit processing request information; determining whether to suspend the deposit processing to the bank account based on the content of the deposit processing request information;
A transfer processing method comprising: a step of executing a payment process to a temporary holding account when it is determined that the payment process to the transfer destination account is suspended.

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