JP2011034532A - Deposition device, deposition support device, deposition method, deposition support method, and program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a highly reliable deposition device capable of quickly reflecting a deposit by Internet banking on a fund management account. <P>SOLUTION: The deposition device 10 is a deposition device for updating a user's fund management account on the basis of a deposit from the user, including: a receiving part 16 for receiving entry book information transmitted from a banking server each time Internet transfer processing is performed; a balance updating part 17 for adding the amount of transfer to the balance of the user's fund management account on the basis of the entry book information; an entry book information DB 13 for storing the entry book information; the receiving part 16 for receiving deposit detail information in a predetermined period transmitted from the banking server; a commission number comparing part 18 for reading the entry book information received in the predetermined period from an entry book information storing part and determining whether any entry book information is missing; and a depositing user retrieving part 19 for retrieving a depositing user who performs the deposit relating to the entry book information in the case that missing entry book information exists, wherein the balance updating part 17 adds the amount of the transfer to the fund management account of the depositing user. <P>COPYRIGHT: (C)2011,JPO&INPIT

Description

  The present invention relates to a depositing apparatus that deposits money into a cash management account such as a deposit account for foreign exchange transactions or a securities account for securities transactions, and a deposit support apparatus that supports the deposit.

  With the recent development of the Internet, Internet banking that can be transferred through the Internet has become widespread (Patent Document 1). In response to this, foreign exchange trading companies and securities companies have started services that accept deposits into funds management accounts using Internet banking.

  Taking a forex transaction as an example, the deposit process in cooperation with Internet banking will be described. First, the user accesses a website of a forex trading company. When funds necessary for the transaction are insufficient, the user selects a request for deposit by Internet banking. In response, the forex trading company connects the user terminal to the banking server. The user makes a transfer to the designated account of the foreign exchange trading company by Internet banking, and then finishes the deposit process at the banking server and returns to the website of the foreign exchange trading company. As a result, the funds are deposited into the user's fund management account opened at the forex trading company, which is highly convenient for the user.

JP 2002-259695 A

  In the conventional Internet banking cooperation system as described above, the banking server determines that the transfer is completed only after the termination process is completed, and transfers information related to the transfer (hereinafter referred to as “book entry information”) to the server of the forex trading company. Send to. The foreign exchange trading company receives the deposit information and updates the user's fund management account.

  For this reason, there is a problem that, after the transfer is made by Internet banking, if the termination process is correctly performed and the website of the forex trading company is not returned, the deposit is not reflected in the funds management account of the forex trading company.

  In view of the above-mentioned background, the present invention provides a highly reliable depositing apparatus that can quickly reflect deposits made by Internet banking in a fund management account.

  The depositing device of the present invention is a depositing device that updates the user's fund management account managed by the service provider based on the deposit from the user, and the user terminal is changed according to the transfer request transmitted from the user terminal. A connection processing unit connected to the banking server, and a bank book including a transfer identifier, transfer person information, and a transfer amount, which is transmitted from the banking server each time an Internet transfer process from the user to the service provider is performed. A deposit information receiving unit that receives information, a balance update unit that adds the transfer amount to a balance of a user's fund management account corresponding to the transfer person information based on the deposit information, and the deposit information Payment details information for a predetermined period of the deposit information storage unit and the service provider account to be stored, including the transfer identifier, transfer information, and transfer amount The receipt details information receiving unit that receives from the banking server, and the receipt information received within the predetermined period from the receipt information storage unit, and before the correspondence with the receipt details information using the transfer identifier as a key If there is a transfer identifier comparison unit that determines whether or not the entry information is missing, and if there is missing deposit information, deposit related to the deposit details information for which no deposit information with the same transfer identifier exists. A deposit user search unit that searches for the deposit user based on the transfer person information included in the deposit details information, and the balance update unit adds the transfer amount to the balance of the fund management account of the deposit user. .

  According to the present invention, it is possible to quickly update the balance of the user's fund management account based on the received deposit information for each transfer, and whether there is any missing deposit information based on the deposit details information. If there is missing information, the transfer person can be identified and deposited.

It is a figure which shows the structure of the money_receiving | payment system of 1st Embodiment. It is a figure which shows the example of the data memorize | stored in user information DB. It is a figure which shows the example of the data memorize | stored in money management account DB. It is a figure which shows the example of the data memorize | stored in deposit information DB. It is a figure which shows the example of the data memorize | stored in payment details information DB. It is a figure which shows the hardware constitutions of a money_receiving | payment apparatus. It is a figure which shows the whole operation | movement at the time of depositing with a depositing apparatus. It is a figure which shows operation | movement when a money_receiving | payment apparatus receives deposit information. It is a figure which shows operation | movement when a money_receiving | payment apparatus receives payment detailed information. It is a figure which shows the structure of the money_receiving | payment system of 2nd Embodiment. It is a figure which shows operation | movement of the money_receiving | payment system of 2nd Embodiment. It is a figure which shows the structure of the money_receiving | payment system of 3rd Embodiment. It is a figure which shows operation | movement of the money_receiving | payment system of 3rd Embodiment. It is a figure which shows operation | movement when a money_receiving | payment apparatus receives deposit information.

  Hereinafter, a depositing apparatus and a depositing support apparatus according to an embodiment of the present invention will be described with reference to the drawings. In the following, a foreign exchange trading company will be described as an example as a service provider, but the present invention is applied not only to payment to a foreign exchange trading company, but also to payment to a securities company, payment to a management company of prepaid electronic money, etc. Is possible.

(First embodiment)
FIG. 1 is a diagram illustrating a configuration of a deposit system 1 according to the first embodiment. The depositing system 1 relays the depositing device 10 that deposits money to the user's fund management account, the user terminal 20, the banking server 22 that provides the Internet transfer service, and the banking server 22 and the user terminal 20. The apparatus 21 is configured to be connected by a network 25.

  The banking server 22 has a user account 23 and a forex trading company account 24. When receiving the transfer request from the user terminal 20 via the relay device 21, the banking server 22 performs a transfer process of the amount designated from the user account 23 to the account 24 of the forex trading company.

  The relay device 21 connects a site such as a foreign exchange trading company or a securities company to a server of a settlement organization such as a major bank, a post office, or an internet bank. The relay device 21 is a device that provides unification of payment processing, eliminating the troublesome work of a forex trading company individually connecting with various settlement institutions. Such a relay device 21 is provided by, for example, Billing System Co., Ltd.

  The depositing device 10 is configured as a part of a business server of a forex trading company, for example. The business server of a forex trading company has a function to accept orders from users, a function to monitor rates and place a buy / sell order to dealers when the order conditions are met, and calculate the inclination of the position based on the user's order information It has various functions such as a function to place a cover order and a function to manage user's margin with a cash management account. One of these functions is a deposit processing function that reflects the money received from the user in the cash management account. have. The depositing device 10 of the present embodiment is a device that performs a depositing process, which is one of the functions executed by the business server. Therefore, some of the functions of the depositing apparatus 10 may be combined with the functions of the business server.

  The depositing apparatus 10 includes a user information database (hereinafter referred to as “user information DB”) 11, a fund management account database (hereinafter referred to as “fund management account DB”) 12, and a deposit information database (hereinafter referred to as “accounting information”). DB ”) 13 and a deposit details information database (hereinafter referred to as“ deposit details DB ”) 14. These databases are databases shared with a business server (not shown). For example, when the business server receives an order from the user, the business server determines whether or not the exchange transaction may be performed based on the margin stored in the fund management account DB 12. Next, data stored in each of the databases 11 to 14 will be described.

  FIG. 2 is a diagram illustrating an example of data stored in the user information DB 11. The user information DB 11 stores a user ID for identifying a user, a user's fund management account number, a user's name, and a designated account number such as a bank or a post office that the user uses to transfer funds. .

  FIG. 3 is a diagram illustrating an example of data stored in the fund management account DB 12. The fund management account DB 12 stores user ID, fund management account number, and account balance data. The fund management account manages the balance of deposits for conducting foreign exchange transactions.

  FIG. 4 is a diagram illustrating an example of data stored in the entry information DB 13. The deposit information is information relating to a transfer transmitted from the banking server 22 via the relay device 21 each time an Internet transfer is performed. The deposit information DB 13 stores a transfer number for specifying a transfer, a transfer date and time, a transfer amount, a name of the transfer person, a transfer account number, and a fund management account number possessed by the transfer person. Among these, the name of the transfer person and the transfer account number are information about the transfer person. The agency number corresponds to the “transfer identifier” of the present invention.

  The entry information DB 13 is updated based on the entry information transmitted from the relay device 21. Of the deposit information, the fund management account number is data added by the relay device 21. That is, when connecting the user terminal 20 to the relay device 21, the depositing device 10 transmits the data of the user's fund management account number to the relay device 21. When receiving information related to the transfer from the banking server 22 (consisting of data other than the fund management account number among the data stored in the deposit information DB 13), the relay device 21 adds the data of the fund management account number and enters the data. Send book information.

  FIG. 5 is a diagram showing an example of data stored in the deposit details information DB 14. The payment details information DB 14 stores a transfer date and time, a transfer number, a transfer amount, a name of the transfer person, and a transfer account number. The deposit details information is the deposit details information to the account 24 of the forex trading company in a predetermined period, and is periodically transmitted from the banking server 22. The deposit details information is data with high reliability and no omission. The deposit details information may be transmitted as deposit / withdraw details information. In this case, the depositing device 10 sorts the deposit details information and the withdrawal details information, stores the deposit details information in the deposit details information DB 14, and stores the withdrawal details information in a withdrawal details information database (not shown). Good.

  Next, referring to FIG. 1 again, the function of the depositing apparatus 10 will be described. The depositing apparatus 10 includes a connection processing unit 15, a receiving unit 16, a balance updating unit 17, an agency number comparison unit 18, and a depositing user search unit 19.

  The connection processing unit 15 connects the user terminal 20 to the relay device 21 when a transfer request is transmitted from the user terminal 20. At this time, the connection processing unit 15 transmits information specifying the bank or the post office banking server 22 desired by the user and the user's fund management account number to the relay device 21. Here, the fund management account number corresponds to “identification information for identifying the fund management account”. Here, the fund management account number itself is used as identification information, but the identification information may be information that can specify the fund management account number, and may be, for example, a user ID.

  When receiving the access from the user terminal 20, the relay device 21 connects the user terminal 20 to the banking server 22. When the user terminal 20 executes the transfer process in the banking server 22 and performs the end process, the banking server 22 transmits the entry information to the relay device 21 using the end process as a trigger. The deposit information includes an agency number, a transfer date and time, a transfer amount, a name of the transfer person, and a transfer account number. When receiving the deposit information from the banking server 22, the relay device 21 adds the user's fund management account number to the received deposit information and transmits the deposit information to the deposit device 10.

  The receiving unit 16 receives information transmitted from the network 25 to the deposit apparatus 10. The receiving unit 16 receives the deposit information transmitted from the relay device 21 and the deposit details information transmitted from the banking server 22. The receiving unit 16 stores the received deposit information in the deposit information DB 13 and stores the received deposit details information in the deposit details information DB 14. The receiving unit 16 may be a receiving unit shared with a business server (not shown). For example, the receiving unit 16 can have a function of receiving order information from the user terminal 20.

  When the balance update unit 17 receives the deposit information from the relay device 21, the balance update unit 17 updates the balance of the fund management account DB 12 based on the received deposit information. In addition, when the balance update unit 17 finds missing deposit information based on the received deposit information, the balance update unit 17 updates the balance of the fund management account DB 12 based on the deposit information corresponding to the missing deposit information. To do. A detailed flow of the balance update by the balance update unit 17 will be described later. Note that the balance update unit 17 may be a balance update unit shared with a business server (not shown). For example, the balance update unit 17 may update the balance in the fund management account DB 12 when performing trading based on an order from the user.

  The agency number comparison unit 18 compares the receipt information stored in the deposit information DB 13 with the agency number of the deposit details information stored in the deposit details information DB 14 and compares whether the missing deposit information exists. The deposit details information covers all deposits to the account 24 of the forex trading company in a predetermined period, and there is no omission. Therefore, when there is no deposit information having the same transaction number as the agency number present in the deposit details information, the deposit information is missing. The deposit user search unit 19 has a function of searching for a user who has made a deposit related to the deposit details information for which the deposit information with the same transfer identifier does not exist when the missing deposit information exists. The detailed flow of the agency number comparison unit 18 and the deposit user search unit 19 will be described later.

  FIG. 6 is a diagram illustrating a hardware configuration of the depositing apparatus 10 according to the present embodiment. The depositing apparatus 10 includes a CPU 30, a RAM 31, a ROM 32, a communication interface (hereinafter “communication I / F”) 34, a display unit 35, an operation unit 36, and a data bus 37 for connecting them. The functions described above are realized by the CPU 30 executing arithmetic processing according to the program 33 written in the ROM 32. The various databases shown in FIGS. 2 to 5 may be constituted by the ROM 32 or may be constituted by an external recording medium.

  7-9 is a flowchart which shows operation | movement of the money_receiving | payment apparatus 10 of this Embodiment. FIG. 7 is a diagram showing the overall operation of the deposit system 1 when depositing with the deposit apparatus 10. A transfer request is transmitted from the user terminal 20 to the relay device 21 (S10), and a transfer process is performed on the banking server 22 via the relay device 21 (S12). When the transfer process is completed, the banking server 22 transmits the deposit information as information relating to the transfer to the relay device 21 (S14). The relay device 21 adds the user's fund management account number data to the deposit information received from the banking server 22, and transmits the deposit information to the deposit device 10 (S16). The depositing device 10 updates the balance of the user's fund management account based on the received deposit information (S18). The balance update operation will be described later with reference to FIG. The above processing is repeated every time a transfer request is transmitted from the user terminal 20 to the relay device 21.

  The banking server 22 periodically transmits deposit details information for a predetermined period for the account 24 of the foreign exchange trading company to the depositing apparatus 10 (S20). The deposit details information is transmitted directly to the depositing device 10 without going through the relay device 21. Upon receipt of the deposit details information from the banking server 22, the deposit apparatus 10 matches the received deposit information within a predetermined period, confirms whether there is any missing deposit information, and finds that the missing deposit information is present. If so, the balance of the fund management account is updated based on the deposit details information corresponding to the deposit information (S22). The missing check and balance update operations will be described later with reference to FIG.

  FIG. 8 is a diagram showing an operation when the deposit apparatus 10 receives the deposit information. Upon receiving the deposit information from the relay device 21 (S30), the deposit apparatus 10 adds the transfer amount to the balance of the fund management account specified by the fund management account number included in the received deposit information, The DB 12 is updated (S32). Further, the deposit apparatus 10 stores the received deposit information in the deposit information DB 13 (S34).

  FIG. 9 is a diagram showing an operation when the deposit apparatus 10 receives the deposit detail information. When receiving the deposit details information (S40), the deposit apparatus 10 reads the deposit information from the deposit information DB 13 (S42). Next, the agency number of the deposit details information is compared with the agency number of the deposit information (S44), and it is determined whether there is any missing deposit information (S46). If there is no missing deposit information (NO in S46), the deposit apparatus 10 ends the process.

  If there is missing deposit information (YES in S46), that is, if there is deposit details information for which there is no deposit information with the same order number, the name of the transfer person is extracted from the deposit details information and transferred. A user having a name that matches the name of a person is searched (S48), and it is determined how many users have been searched (S50). When one user is searched, the user is specified as a depositing user. The depositing device 10 adds the transfer amount to the balance of the depositing user's fund management account, and updates the fund management account DB 12 (S54).

  When a plurality of users are searched, the data of the specified account numbers of the searched plurality of users is read from the user information DB 11, and the read specified account number matches the transfer account number of the payment details information. The user who performs the payment is specified as the depositing user (S52). The depositing device 10 adds the transfer amount to the balance of the depositing user's fund management account, and updates the fund management account DB 12 (S54).

  If a user whose Kana name matches is not found, the deposit to the fund management account DB 12 is suspended and the deposit details information is displayed (S56). In this way, when the names of Kana do not match, holding the payment is effective as a measure against money laundering.

  The depositing device 10 of the present embodiment can quickly update the user's fund management account balance based on the deposit information transmitted from the banking server 22 via the relay device 21 each time an internet transfer is made. Also, based on the deposit details information, it is checked whether there is any missing deposit information. If there is missing deposit information, based on the deposit details information for which there was no deposit information with the same transfer identifier. Since the transfer is specified and the deposit is made, it is possible to realize a highly reliable device capable of systematically recovering the deposited information even if the deposit information is lost due to human error. As a result, it is possible to prevent the inconvenience that the funds management account balance of the user is not updated even though the funds transfer is performed in the banking server 22 due to the reason that the transfer termination process is not normally performed.

(Second Embodiment)
FIG. 10 is a diagram illustrating a configuration of the deposit system 2 according to the second embodiment. The deposit system 2 includes a deposit apparatus 10 that deposits money into a user's fund management account, a deposit support apparatus 40 that supports deposit by the deposit apparatus 10, a user terminal 20, a relay apparatus 21, and a banking server 22. 25 and connected. The configurations of the user terminal 20, the relay device 21, and the banking server 22 are the same as those in the first embodiment.

  As in the case of the first embodiment, the depositing apparatus 10 is configured as a part of a business server of a forex trading company. The basic configuration of the depositing apparatus 10 is the same as that of the first embodiment, but it does not have the broker number comparison unit 18 and the depositing user search unit 19 that perform processing based on the deposit statement information. Different. In the second embodiment, the deposit support device 40 is responsible for these functions.

  The deposit support apparatus 40 includes a receiving unit 44, an agency number comparison unit 45, a deposit user search unit 46, and a notification unit 47. The receiving unit 44 receives information transmitted from the network 25 to the deposit support apparatus 40. The receiving unit 44 has a function of receiving deposit details information transmitted from the banking server 22 and receiving deposit information and user information from the deposit apparatus 10. The receiving unit 44 stores the received user information in the user information DB 41, stores the received deposit information in the deposit information DB 42, and stores the received deposit detail information in the deposit detail information DB 43.

  The agency number comparison unit 45 and the deposit user search unit 46 have the same functions as the agency number comparison unit 18 and the deposit user search unit 19 described in the first embodiment. The notification unit 47 has a function of notifying the depositing apparatus 10 of the deposit user information and deposit amount searched by the deposit user search unit 46 when there is missing deposit information.

  FIG. 11 is a diagram illustrating the operation of the deposit system 2 according to the second embodiment. First, the depositing device 10 transmits user information to the depositing support device 40 (S60). When receiving the user information, the deposit support apparatus 40 stores the received user information in the user information DB 41 (S62). This is a process of preparing user information necessary for specifying a deposit user from the deposit details information.

  A transfer request is transmitted from the user terminal 20 to the relay device 21 (S64), and a transfer process is performed on the banking server 22 via the relay device 21 (S66). When the transfer process is completed, the banking server 22 transmits the deposit information as information relating to the transfer to the relay device 21 (S68). The relay device 21 adds the user's fund management account number data to the deposit information received from the banking server 22, and transmits the deposit information to the deposit device 10 (S70). The depositing apparatus 10 updates the balance of the user's fund management account based on the received deposit information (S72). The balance update operation is the same as the operation described with reference to FIG. The above processing is repeated every time a transfer request is transmitted from the user terminal 20 to the relay device 21.

  The deposit support device 40 periodically receives deposit details information for a predetermined period from the banking server 22 (S74), and stores the received deposit details information in the deposit details information DB 43. Further, the deposit support device 40 receives the deposit information corresponding to the period of the deposit details information from the deposit device 10 (S76), and stores the received deposit information in the deposit information DB42.

  The receipt support device 40 compares the receipt number of the receipt details information and the receipt number of the receipt information, checks whether there is any missing deposit information, and if there is missing deposit information, identifies the deposit user. (S78). This process is the same as steps S44 to S52 in the flow shown in FIG. When the deposit support apparatus 40 identifies the deposit user of the missing deposit information, the deposit support apparatus 40 notifies the deposit apparatus 10 to deposit the fund management account of the user (S80). The deposit system 2 including the deposit apparatus 10 and the deposit support apparatus 40 according to the second embodiment has been described above.

  As in the first embodiment, the deposit support apparatus 40 according to the second embodiment is a highly reliable apparatus that can quickly update the user's fund management account balance and can also remedy human errors. realizable.

  Further, the deposit support apparatus 40 of the second embodiment is realized by the deposit support apparatus 40 using a terminal different from the deposit apparatus 10, so that the configuration of the deposit apparatus 10 is hardly changed and missing. Thus, it is possible to realize the deposit system 2 that can supplement the deposited information.

(Third embodiment)
FIG. 12 is a diagram illustrating a configuration of the deposit system 3 according to the third embodiment. The basic configuration of the deposit system 3 of the third embodiment is the same as that of the first embodiment, but the deposit system 3 of the third embodiment does not include the relay device 21. Accordingly, the connection processing unit 15 of the depositing apparatus 10 connects the user terminal 20 to the banking server 22 when there is a transfer request from the user terminal 20.

  FIG. 13 is a diagram illustrating the overall operation of the system 3 when depositing by the depositing apparatus 10 according to the third embodiment. Transfer processing is performed by connecting to the banking server 22 from the user terminal 20 (S90). When the transfer process is completed, the banking server 22 transmits deposit information as information related to the transfer to the depositing apparatus 10 (S92). The depositing apparatus 10 updates the balance of the user's fund management account based on the received deposit information (S94). The updating operation will be described later with reference to FIG. The above processing is repeated every time a transfer request is transmitted from the user terminal 20 to the relay device 21.

  The banking server 22 periodically transmits deposit details information for a predetermined period for the account 24 of the forex trading company to the depositing apparatus 10 (S96). Upon receipt of the deposit details information from the banking server 22, the deposit apparatus 10 matches the received deposit information within a predetermined period, confirms whether there is any missing deposit information, and finds that the missing deposit information is present. If so, the balance of the fund management account is updated based on the deposit details information (S98). The missing check and balance update operations are the same as those described with reference to FIG.

  FIG. 14 is a flowchart showing an operation when the deposit apparatus 10 receives the deposit information. In the third embodiment, since the fund management account number is not included in the book entry information, the transfer person is specified by the transfer person information (Kana name, transfer person account number).

  When receiving the deposit information (S100), the deposit apparatus 10 stores the received deposit information in the deposit information DB 13 (S102). The storing of the deposit information is a preparation for matching the deposit details information and the deposit information later. The depositing device 10 extracts the name of the transfer person from the received deposit information, searches the user information DB 11 for a user that matches the name of the transfer person (S104), and determines how many users have been searched. (S106). When one user is searched, the user is specified as a transfer person. The depositing device 10 adds the transfer amount to the balance of the money management account of the transfer person, and updates the money management account DB 12 (S110). When a plurality of users are retrieved, the data of the designated account numbers of the retrieved plurality of users is read from the user information DB 11, and the read designated account number and the transfer account number of the deposit information are obtained. A matching user is specified as a depositing user (S108). The depositing device 10 adds the transfer amount to the balance of the depositing user's fund management account, and updates the fund management account DB 12 (S110). If the user whose Kana name matches is not found, the deposit to the fund management account DB 12 is suspended and the deposit information is displayed (S112). In this way, when the names of Kana do not match, holding the payment is effective as a measure against money laundering. The configuration and operation of the depositing apparatus 10 according to the third embodiment have been described above.

  As with the first embodiment, the depositing device 10 according to the third embodiment can realize a highly reliable device that can relieve human error. Further, since the depositing apparatus 10 of the third embodiment does not include the relay device 21 that relays between the user terminal 20 and the banking server 22, a depositing system can be configured with a simple configuration.

  In the present embodiment, the configuration without the relay device 21 in the deposit system 1 of the first embodiment has been described. However, in the deposit system 2 including the deposit support device 40 as in the second embodiment. However, it is possible to employ a configuration without the relay device 21 as in the present embodiment.

  The deposit apparatus and deposit support apparatus of the present invention have been described in detail above with reference to the embodiment, but the present invention is not limited to the above-described embodiment.

  In the above-described embodiment, when the user corresponding to the missing deposit information can be identified, the example of updating the balance of the fund management account of the deposit user has been described, but when the deposit user is identified, You may have the inquiry transmission part which transmits the message which inquires about whether it pays by mailing to the user terminal of the user automatically, or faxing to a user. Further, information such as the contact information and name of the depositing user who has made the deposit without the deposit information may be displayed on the display unit so that the operator can make an inquiry. In response to an inquiry message from the user that the deposit has been made, the deposit may be made to the user's fund management account.

  In the above-described embodiment, an example in which payment details information from the banking server 22 is periodically acquired has been described. However, it is not always necessary to periodically acquire the payment details information, and it may be irregular. For example, it may be transmitted from the banking server 22 when a predetermined number of deposit details information is accumulated. Further, when a predetermined number of deposit information is accumulated in the deposit apparatus 10, the banking server 22 may be requested to transmit deposit details information. Further, when requested by the operator, a signal requesting deposit details information may be transmitted to the banking server.

  As described above, the present invention can construct a highly reliable system that can quickly update the balance of the fund management account by Internet transfer, such as a deposit account for foreign exchange transactions, a securities account for securities transactions, etc. It is useful as a depositing device that deposits money into a fund management account.

1 to 3 Deposit system 10 Deposit device 11 User information DB
12 Cash management account DB
13 Deposit information DB
14 Payment details information DB
DESCRIPTION OF SYMBOLS 15 Connection processing part 16 Receiving part 17 Balance update part 18 Order number comparison part 19 Deposit user search part 20 User terminal 21 Relay apparatus 22 Banking server 25 Network 30 CPU
31 RAM
32 ROM
33 Program 34 Communication I / F
35 Display Unit 36 Operation Unit 40 Deposit Support Device 41 User Information DB
42 Deposit information DB
43 Deposit Details Information DB
44 Receiving unit 45 Order number comparing unit 46 Deposit user searching unit 47 Notifying unit

Claims (16)

A depositing device that updates a user's fund management account managed by a service provider based on a deposit from a user,
In response to a transfer request transmitted from the user terminal, a connection processing unit that connects the user terminal to the banking server,
A deposit information receiving unit for receiving deposit information including a transfer identifier, transfer person information, and a transfer amount, which is transmitted from the banking server and is transmitted from the banking server each time an Internet transfer process is performed from a user to a service provider. ,
Based on the deposit information, a balance update unit for adding the transfer amount to the balance of the user's fund management account corresponding to the transfer person information;
An entry information storage unit for storing the entry information;
A payment details information in a predetermined period of the account of the service provider, the payment details information receiving unit including the transfer identifier, the transfer person information, and the payment details information including the transfer amount, from the banking server;
Transfer the deposit information received within the predetermined period from the deposit information storage unit, and determine whether the deposit information corresponding to the deposit details information is missing using the deposit identifier as a key An identifier comparison unit;
When there is missing deposit information, a deposit user who has made a deposit related to the deposit details information for which no deposit information with the same transfer identifier exists is searched based on the transfer person information included in the deposit details information. Deposit user search department,
With
The balance updating unit is a depositing device that adds the transfer amount to a balance of a fund management account of the depositing user. A user information storage unit that stores a user's name and a designated account number that the user uses to transfer funds,
The transfer person information of the deposit information includes the name of the transfer person and the transfer account number,
The balance update unit compares the Kana name stored in the user information storage unit with the Kana name of the entry information, and if one user whose Kana name matches is found, A request for identifying a user having a designated account number that matches a transferer account number of the transfer information as a transfer person when two or more users having the same Kana name are found. Item 4. A depositing device according to item 1. A depositing device that updates a user's fund management account managed by a service provider based on a deposit from a user,
In response to a transfer request transmitted from the user terminal, the user terminal is connected to a relay device that relays the transfer at the banking server, and at the same time, a connection process for transmitting identification information for specifying the fund management account of the deposit destination to the relay device And
Each time an internet transfer process is performed from the user to the service provider, the bank identifier includes the transfer identifier, transfer person information, transfer amount, and identification information that is transmitted from the banking server via the relay device. A deposit information receiving unit for receiving book information;
A balance update unit for adding the transfer amount to the balance of the fund management account corresponding to the identification information included in the deposit information;
An entry information storage unit for storing the entry information;
A payment details information in a predetermined period of the account of the service provider, the payment details information receiving unit receiving the payment details information including the transfer identifier, the transfer person information and the transfer amount from the banking server;
Transfer the deposit information received within the predetermined period from the deposit information storage unit, and determine whether the deposit information corresponding to the deposit details information is missing using the deposit identifier as a key An identifier comparison unit;
When there is missing deposit information, a deposit user who has made a deposit related to the deposit details information for which no deposit information with the same transfer identifier exists is searched based on the transfer person information included in the deposit details information. Deposit user search department,
With
The balance updating unit is a depositing device that adds the transfer amount to a balance of a fund management account of the depositing user. A user information storage unit that stores a user's name and a designated account number used by the user to transfer funds,
The transfer person information includes the name of the transfer person and the transfer account number,
The deposit user search unit compares the name of the Kana stored in the user information storage unit with the name of the transfer person included in the deposit information, and finds one user whose Kana name matches. If the user who has the Kana name is identified as the depositing user and two or more users with the same Kana name are found, the user whose matching account number matches the transfer account number of the transfer information 4. The depositing apparatus according to claim 1, wherein the depositing device is specified as a depositing user.   5. The depositing apparatus according to claim 4, wherein when no user with a matching Kana name is found in the depositing user search unit, the depositing detail information is displayed without performing depositing based on the depositing detail information.   The depositing apparatus according to any one of claims 1 to 5, further comprising: an inquiry transmitting unit configured to transmit a message asking whether or not the depositing user is identified in the depositing user search unit, whether or not the depositing user has been deposited on the user terminal of the user. . Deposit that supports the deposit device that connects the user terminal to the banking server in response to the transfer request transmitted from the user terminal and updates the user's fund management account based on the deposit by the Internet transfer process from the user to the service provider A support device,
A payment details information receiving unit for receiving payment details information including a transfer identifier for specifying the transfer processing, transfer person information, and transfer amount from the banking server, which is payment details information for a predetermined period of the account of the service provider. ,
Within the predetermined period from the deposit information storage unit that receives and stores the deposit information including the transfer identifier, the transfer person information, and the transfer amount, which is transmitted from the banking server, and is transmitted from the banking server each time an internet transfer is made. A transfer identifier comparison unit that reads out the received deposit information and determines whether the deposit information corresponding to the deposit details information is missing using the transfer identifier as a key;
When there is missing deposit information, a deposit user who has made a deposit related to the deposit details information for which no deposit information with the same transfer identifier exists is searched based on the transfer person information included in the deposit details information. Deposit user search department,
A notification unit for notifying the depositing device that the depositing user has received a deposit;
A deposit support device comprising: The transfer person information of the payment details information includes the name of the transfer person and the transfer account number,
From the storage unit that stores the data related to the user, the user's name and the designated account number that the user uses to transfer funds,
The deposit user search unit compares the acquired Kana name with the Kana name of the deposit details information, and if one user whose Kana name matches is found, the user having the Kana name is set as the deposit user. 8. If two or more users who are identified and have the same Kana name are found, the user whose deposit account number matches the designated account number and the transfer account number of the transfer information is specified as a depositing user. Deposit support device.   9. The deposit support apparatus according to claim 8, wherein when no user whose Kana name matches is found in the deposit user search unit, the deposit detail information is displayed without performing deposit based on the deposit detail information.   The deposit support according to any one of claims 7 to 9, further comprising: an inquiry transmission unit that transmits a message asking whether or not the user terminal of the user has been deposited when the deposited user search unit specifies the deposited user. apparatus. A payment method for updating a user's fund management account managed by a service provider based on payment from a user,
In response to the transfer request transmitted from the user terminal, connecting the user terminal to the banking server;
Each time an internet transfer process is performed from the user to the service provider, receiving the transfer information transmitted from the banking server, which includes the transfer identifier for specifying the transfer process, the transfer person information, and the transfer amount;
Based on the deposit information, adding the transfer amount to the balance of the user's fund management account corresponding to the transfer person information;
Storing the deposit information in a deposit information storage unit;
Receiving payment details information including the transfer identifier, transfer person information, and transfer amount from the banking server, which is payment details information for a predetermined period of the account of the service provider;
Reading the deposit information received within the predetermined period from the deposit information storage unit, and determining whether the deposit information corresponding to the deposit details information is missing using the transfer identifier as a key When,
When there is missing deposit information, a deposit user who has made a deposit related to the deposit details information for which no deposit information with the same transfer identifier exists is searched based on the transfer person information included in the deposit details information. Steps,
Adding the transfer amount to the balance of the funds management account of the deposit user;
Deposit method. A payment method for updating a user's fund management account managed by a service provider based on payment from a user,
In response to a transfer request transmitted from the user terminal, connecting the user terminal to a relay device that relays the transfer at the banking server, and transmitting identification information for specifying the fund management account of the deposit destination to the relay device; ,
Each time an internet transfer process is performed from the user to the service provider, the bank identifier includes the transfer identifier, transfer person information, transfer amount, and identification information that is transmitted from the banking server via the relay device. Receiving book information; and
Adding the transfer amount to the balance of the fund management account corresponding to the identification information included in the deposit information;
Storing the deposit information in a deposit information storage unit;
Receiving payment details information for a predetermined period of a service provider's account from the banking server, including payment details information including the transfer identifier, transfer person information and transfer amount;
Reading the deposit information received within the predetermined period from the deposit information storage unit, and determining whether the deposit information corresponding to the deposit details information is missing using the transfer identifier as a key When,
When there is missing deposit information, a deposit user who has made a deposit related to the deposit details information for which no deposit information with the same transfer identifier exists is searched based on the transfer person information included in the deposit details information. Steps,
Adding the transfer amount to the balance of the funds management account of the deposit user;
Deposit method. A method for supporting a depositing apparatus that connects a user terminal to a banking server in response to a transfer request transmitted from the user terminal and updates the user's fund management account based on the deposit by the Internet transfer process from the user to the service provider. Because
Receiving, from the banking server, payment details information for a predetermined period of the account of the service provider, including payment identifier information including the transfer identifier, transfer person information, and transfer amount for specifying the transfer process;
Within the predetermined period from the deposit information storage unit that receives and stores the deposit information including the transfer identifier, the transfer person information, and the transfer amount, which is transmitted from the banking server, and is transmitted from the banking server each time an internet transfer is made. Reading the received deposit information and determining whether the deposit information corresponding to the deposit details information is missing using the transfer identifier as a key;
When there is missing deposit information, a deposit user who has made a deposit related to the deposit details information for which no deposit information with the same transfer identifier exists is searched based on the transfer person information included in the deposit details information. Steps,
Notifying the depositing device that the depositing user has received a deposit;
A deposit support method comprising: A program for updating a user's fund management account managed by a service provider based on payment from a user, the computer,
In response to the transfer request transmitted from the user terminal, connecting the user terminal to the banking server;
Each time an internet transfer process is performed from the user to the service provider, receiving the transfer information transmitted from the banking server, which includes the transfer identifier for specifying the transfer process, the transfer person information, and the transfer amount;
Based on the deposit information, adding the transfer amount to the balance of the user's fund management account corresponding to the transfer person information;
Storing the deposit information in a deposit information storage unit;
Receiving payment details information including the transfer identifier, transfer person information, and transfer amount from the banking server, which is payment details information for a predetermined period of the account of the service provider;
Reading the deposit information received within the predetermined period from the deposit information storage unit, and determining whether the deposit information corresponding to the deposit details information is missing using the transfer identifier as a key When,
When there is missing deposit information, a deposit user who has made a deposit related to the deposit details information for which no deposit information with the same transfer identifier exists is searched based on the transfer person information included in the deposit details information. Steps,
Adding the transfer amount to the balance of the funds management account of the deposit user;
A program that executes A program for updating a user's fund management account managed by a service provider based on payment from a user, the computer,
In response to a transfer request transmitted from the user terminal, connecting the user terminal to a relay device that relays the transfer at the banking server, and transmitting identification information for specifying the fund management account of the deposit destination to the relay device; ,
Each time an internet transfer process is performed from the user to the service provider, the bank identifier includes the transfer identifier, transfer person information, transfer amount, and identification information that is transmitted from the banking server via the relay device. Receiving book information; and
Adding the transfer amount to the balance of the fund management account corresponding to the identification information included in the deposit information;
Storing the deposit information in a deposit information storage unit;
Receiving payment details information for a predetermined period of a service provider's account from the banking server, including payment details information including the transfer identifier, transfer person information and transfer amount;
Reading the deposit information received within the predetermined period from the deposit information storage unit, and determining whether the deposit information corresponding to the deposit details information is missing using the transfer identifier as a key When,
When there is missing deposit information, a deposit user who has made a deposit related to the deposit details information for which no deposit information with the same transfer identifier exists is searched based on the transfer person information included in the deposit details information. Steps,
Adding the transfer amount to the balance of the funds management account of the deposit user;
A program that executes In order to support a deposit apparatus that connects a user terminal to a banking server in response to a transfer request transmitted from the user terminal, and updates the user's fund management account based on the deposit by the Internet transfer process from the user to the service provider. Program,
Receiving, from the banking server, payment details information for a predetermined period of the account of the service provider, including payment identifier information including the transfer identifier, transfer person information, and transfer amount for specifying the transfer process;
Within the predetermined period from the deposit information storage unit that receives and stores the deposit information including the transfer identifier, the transfer person information, and the transfer amount, which is transmitted from the banking server, and is transmitted from the banking server each time an internet transfer is made. Reading the received deposit information and determining whether the deposit information corresponding to the deposit details information is missing using the transfer identifier as a key;
When there is missing deposit information, a deposit user who has made a deposit related to the deposit details information for which no deposit information with the same transfer identifier exists is searched based on the transfer person information included in the deposit details information. Steps,
Notifying the depositing device that the depositing user has received a deposit;
A program that executes