JP2014215869A - Information processing device, information processing method, and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an information processing technique which is related to automatic withdrawal from an account, and which prevents failure of withdrawal processing caused by change of an account name, while suppressing generation of unexpected withdrawal processing caused by an erroneous input or the like of a withdrawal request.SOLUTION: A host computer 1 includes: a withdrawal past record storage section 102 which stores past record of withdrawals from a debit account to a remittance destination account in a filter master 43; and a withdrawal propriety determination section 103 which, in the case where withdrawal past record is not stored in which a debit account and a remittance destination account are identical with withdrawal request information as for withdrawal request information containing a debit account name written in Kana (Japanese syllabary), determines execution propriety of withdrawal processing related to the withdrawal request information on the basis of the debit account Kana name contained in the withdrawal request information, and which, in the case where withdrawal past record is stored in which the debit account and the remittance destination account are identical with the withdrawal request information, determines that the withdrawal processing related to the withdrawal request information is executable regardless of the debit account Kana name contained in the withdrawal request information.

Description

  The present invention relates to information processing technology related to remittance between accounts.

  For example, Patent Document 1 proposes an automatic transfer system of a financial institution that includes a customer management master that manages customer accounts and a transfer management master that manages automatic transfer information. When registering transfer request data in the transfer management master based on an automatic transfer contract, this automatic transfer system uses the store number, deposit item, and account number of the customer account included in this transfer request data as keys. An account name such as a name and a name about the customer is acquired from the customer management master, and this is registered together with an account number and the like. Moreover, when there is a transfer request, this automatic transfer system collates the account information included in the transfer request data, including the account name, with the account information of the customer registered in the transfer management master.

JP-A-2005-107852 JP 2011-034298 A

  In relation to the verification of the account information including the account name in the above automatic transfer system, for example, regarding the automatic account withdrawal process, the name of the withdrawal account entered as the withdrawal request information is managed in the account ledger There is a technology that does not process the withdrawal request if the two are not matched against the name of the withdrawal account in katakana. According to this technology, it is possible to suppress the withdrawal process different from the expected due to an erroneous input of the account number of the withdrawal request.

  However, since the account name can be changed due to a marriage by a natural person, a company name change by a corporation, etc., the account name may be mistaken for the name information input as a withdrawal request. Therefore, for example, even if the withdrawal process from the same withdrawal account to the remittance destination account such as the same storage institution with the withdrawal process that has been processed normally in the past, it fails due to the change of the account name. There was a problem.

  In view of such a problem, the present invention relates to automatic withdrawal of an account due to a change in the account name while suppressing a withdrawal process different from the expected due to an erroneous input of a withdrawal request, etc. It is an object of the present invention to provide an information processing technique that can prevent the withdrawal process from failing.

  The present invention employs the following means in order to solve the above-described problems. That is, the present invention provides a withdrawal result storage means for storing a withdrawal result from a withdrawal account to a remittance destination account, a withdrawal account specifying information for specifying a withdrawal account, a destination account specifying information for specifying a destination account, and a withdrawal account. With regard to the withdrawal request information including the name, the withdrawal request is based on the withdrawal account name included in the withdrawal request information when the withdrawal account and the remittance destination account are not the same as the withdrawal request information. Whether or not the withdrawal process related to the information is executed is determined, and when the withdrawal account and remittance destination account have the same withdrawal history as the withdrawal request information, regardless of the name of the withdrawal account included in the withdrawal request information And a withdrawal possibility determination unit that determines that the withdrawal process related to the withdrawal request information is executable.

  According to the present invention, it may be determined whether or not the withdrawal process can be performed based on the name of the withdrawal account included in the withdrawal request information. Therefore, for example, by checking the name of the withdrawal account with the name of the account such as the ledger that manages the withdrawal account, it is possible to detect erroneous entry of the withdrawal account specific information in the withdrawal request, and the withdrawal process is different from the expected one. Can be suppressed. Further, according to the present invention, when the withdrawal record from the withdrawal account to the destination account is stored, the withdrawal process from the withdrawal account to the destination account regardless of the name of the withdrawal account included in the withdrawal request information. Is determined to be executable. Therefore, it is possible to prevent the withdrawal process from failing due to a change in the account name managed in the original book or the like.

  Further, the information processing apparatus according to the present invention determines that the withdrawal request information storage means for storing withdrawal request information and the withdrawal processing related to the stored withdrawal request information can be executed by the withdrawal possibility determination means. The withdrawal process execution means for executing the withdrawal process determined to be executable, and when the withdrawal process from the withdrawal account to the remittance account succeeds, from the withdrawal account to the remittance account. The withdrawal performance update means for storing the withdrawal performance in the withdrawal performance storage means may be further provided.

  Further, in the information processing apparatus according to the present invention, the withdrawal possibility determination unit is a case where a withdrawal record in which a withdrawal account and a remittance destination account are the same as the withdrawal request information is not stored, and the withdrawal request information includes When the name of the withdrawal account included and the name of the account acquired from the information for managing the withdrawal account specified by the withdrawal account identification information included in the withdrawal request information do not indicate the same name, the withdrawal request information It may be determined that the withdrawal process cannot be executed.

  Here, indicating the same name is determined by a predetermined rule. For example, the character string indicating the name of the withdrawal account and the character string indicating the name of the account acquired from the information for managing the withdrawal account are the same. Not limited. For example, in the case where the account name indicates a stock company, there is a difference in the position of the character string indicating that it is a stock company such as “(share)”, “(cub)”, “stock company” in both account names. Cases may also be included in showing the same name. In addition, a difference in notation such as dakuten and semi-dakuten may be included in showing the same name in the case of both account names.

  The information processing apparatus according to the present invention may further include a withdrawal execution availability output unit that outputs whether or not the withdrawal process can be performed, which is determined by the withdrawal availability determination unit.

  According to the present invention, whether or not the withdrawal process can be executed can be output. Therefore, for example, it is possible to output and grasp whether or not the withdrawal process related to the withdrawal request information can be executed before the withdrawal date.

  Further, the present invention provides an information processing apparatus including a withdrawal record storage unit for storing a withdrawal record from a withdrawal account to a remittance destination account, a withdrawal account specifying information for specifying a withdrawal account, and a destination account specifying for specifying a destination account. Information and withdrawal request information including the name of the withdrawal account, based on the name of the withdrawal account included in the withdrawal request information when the withdrawal account and remittance destination account are not the same as the withdrawal request information. A withdrawal process included in the withdrawal request information in the case where the withdrawal processing related to the withdrawal request information is determined and the withdrawal account and the remittance destination account store the withdrawal history in which the withdrawal request information is the same as the withdrawal request information. It may be an information processing method in which a withdrawal permission determination step is performed that determines that the withdrawal process related to the withdrawal request information is executable regardless of the account name.

Further, the present invention provides a computer with a withdrawal result storage means for storing a withdrawal result from a withdrawal account to a remittance destination account, a withdrawal account specifying information for specifying a withdrawal account, a destination account specifying information for specifying a destination account, With respect to the withdrawal request information including the withdrawal account name, when the withdrawal account and the remittance destination account are not the same as the withdrawal request information, the withdrawal account information is based on the withdrawal account name included in the withdrawal request information. The withdrawal account name included in the withdrawal request information when it is determined whether or not the withdrawal process related to the withdrawal request information is executed and the withdrawal account and the remittance destination account have the same withdrawal history as the withdrawal request information. Regardless, it may be a program that functions as a withdrawal permission determination unit that determines that the withdrawal process related to the withdrawal request information is executable.

  Further, the present invention may be a program in which such a program is recorded on a recording medium readable by a computer, other devices, machines, or the like. Here, a computer-readable recording medium is a recording medium that stores information such as data and programs by electrical, magnetic, optical, mechanical, or chemical action and can be read from a computer or the like. Say.

  According to one aspect of the present invention, with regard to automatic withdrawal of an account, a withdrawal process caused by a change in account name while suppressing a withdrawal process different from the expected due to an erroneous input of a withdrawal request, etc. Can be prevented from failing.

1 is a diagram illustrating a configuration of an information processing system including a host computer according to an embodiment. It is a figure which shows the example of the data of an account original book master. It is a figure which shows the example of the data of the business owner record in a withdrawal master. It is a figure which shows the example of the data of the withdrawal personal record in a withdrawal master. It is a figure which shows the example of the data of a filter master. It is a figure which illustrates the function structure of a host computer. It is a flowchart which shows the flow of a withdrawal process. It is a flowchart which shows the flow of a prior execution feasibility determination process.

  Embodiments of an information processing system including an information processing apparatus according to the present invention will be described below with reference to the drawings. The embodiment described below shows an example for carrying out the present invention, and the present invention is not limited to the specific configuration described below. In practicing the present invention, it is preferable to adopt a specific configuration according to the embodiment as appropriate.

  In the present embodiment, information processing including a host computer of a financial institution that realizes remittance from an account of a financial institution opened by an individual to an account of a financial institution opened by an employer who is a holder of public charges etc. by automatic withdrawal Implemented as a system. Here, in this embodiment, performing on the requested withdrawal date based on an automatic withdrawal contract or the like on a withdrawal date requested is called automatic withdrawal. Note that the information processing system may target remittance between accounts called automatic payment, automatic transfer, automatic remittance, automatic transfer, automatic payment, automatic receipt, and the like. Further, the information processing system may realize automatic withdrawal from an account opened by a business owner to an account opened by an individual, or automatic withdrawal between accounts opened by an individual.

<Hardware configuration>
FIG. 1 is a diagram illustrating a configuration of an information processing system including a host computer according to the present embodiment. The information processing system includes a host computer 1, an office center system 2, and a network 3. The host computer 1 and the office center system 2 can communicate with each other via a network 3 with a predetermined protocol.

The host computer 1 includes a CPU (Central Processing Unit) 11, a RAM (Random Access Memory) 12, and a ROM (Read).
This is a computer that includes an only memory (HDD) 13, an auxiliary storage device 14 such as an HDD (Hard Disk Drive), and a network interface card (NIC) 15 that is connected to the network 3. The host computer 1 is installed in a calculation center of a financial institution. The host computer 1 of the present embodiment is a large computer such as a mainframe, but other computers such as a workstation may be adopted as the host computer 1. In FIG. 1, the host computer 1 is illustrated as a single computer, but the host computer 1 is not limited to a single computer. For example, the host computer 1 may be a plurality of computers connected via a network.

  The CPU 11 is a central processing unit, and controls the RAM 12, the auxiliary storage device 14, the NIC 15 and the like by processing instructions and data of various programs developed in the RAM 12 and the like. The RAM 12 is a main storage device and is controlled by the CPU 11 to write and read various commands and data. The auxiliary storage device 14 is a non-volatile storage device, and information to be retained even when the computer is turned off, such as various programs and databases loaded in the RAM 12, is written and read.

  The auxiliary storage device 14 stores a database having an account book master 41, a withdrawal master 42, and a filter master 43. Note that the database may be stored in a database server device that is communicably connected to the host computer 1.

  The office center system 2 is a computer system provided with a terminal 21. The office center system 2 is installed in the office center and is used for office work related to withdrawal such as input of withdrawal request information. The terminal 21 is a computer including a CPU, a RAM, an auxiliary storage device, an input device such as a keyboard, a NIC, and the like.

  The network 3 is a communication network configured using a dedicated line or the like. The network 3 connects the host computer 1 and the office center system 2. Note that an intranet, a VPN (Virtual Private Network), or the like may be used for the network 3.

<Data structure>
A database stored in the auxiliary storage device 14 of the host computer 1 will be described. The database in the present embodiment includes an account book master 41, a withdrawal master 42, and a filter master 43. Data stored in the database will be described with reference to FIGS. The database in the present embodiment employs a tabular relational data model, but other data models may be employed. The account master book master 41, the withdrawal master 42, and the filter master 43 may each be stored in the auxiliary storage device 14 as files of a predetermined format.

  FIG. 2 is a diagram illustrating an example of data in the account original book master 41. The account book master 41 manages a book of accounts such as ordinary deposits. The account original book master 41 stores a record indicating account information for managing an account. In FIG. 2, one line is one record, and one record constitutes account information of one account.

The record of the account original book master 41 includes fields of a passbook symbol, a passbook number, an account balance, and a name of a kana. The passbook symbol indicates a branch number of a financial institution, and the passbook number is a number that identifies an account at the branch. A set of passbook symbol and passbook number is account specifying information for specifying an account. The account balance indicates the balance of the account. The name of Kana is information that describes the account holder in katakana. Note that the account specifying information may be represented by a set of financial institution branch information, account type information, and an account number. Further, in place of the Kana name, information on the account name in which the account holder is described in Kanji, hiragana, alphabet, or the like or a combination thereof may be employed. Further, a passbook may not be issued to an account specified by a set of passbook symbol and passbook number.

  In the withdrawal master 42, withdrawal request information indicating a withdrawal request from the withdrawal account to the remittance destination account requested by the business owner is managed. The withdrawal master 42 stores business owner records and withdrawal individual records.

  FIG. 3A is a diagram illustrating an example of business owner record data in the withdrawal master 42. The business owner record represents information related to the business owner who is the withdrawal requester among the withdrawal request information. In FIG. 3A, one line is one record. Information regarding the business owner that is common in the information of the plurality of withdrawal requests is managed by one record, and one record constitutes a part of the information of one or a plurality of withdrawal requests.

  The business owner record of the withdrawal master 42 includes fields of business owner number, contract type code, withdrawal date, business owner account symbol, and business owner account number. The business owner number is information for uniquely identifying the business owner in the information processing system. The contract type code is a code indicating the type of withdrawal contract such as salary / bonus and other transfer. The withdrawal date indicates the date on which withdrawal is requested. The business owner account symbol and business owner account number respectively take the values of the passbook symbol and passbook number of the record stored in the account original book master 41. The set of business owner account symbol and business owner account number is remittance destination account specifying information for specifying a remittance destination account for withdrawal requests, which is established by the business owner. Here, the business owner number and the remittance destination account of this embodiment have a one-to-one relationship, and the business owner number can also be said to be remittance destination account specifying information for specifying the remittance destination account.

  FIG. 3B is a diagram showing an example of withdrawal personal record data in the withdrawal master 42. The withdrawal individual record represents information related to an individual who has opened a withdrawal account among the withdrawal request information. In FIG. 3B, one line is one record, and one record constitutes a part of information of one withdrawal request.

  The withdrawal personal record of the withdrawal master 42 includes fields of a passbook symbol, a passbook number, a withdrawal account name, a withdrawal amount, and a withdrawal business owner number. The passbook symbol and passbook number take the values of the passbook symbol and passbook number of the records stored in the account original book master 41, respectively. A set of passbook symbol and passbook number is debit account specifying information for specifying a debit account. The name of the withdrawal account Kana is information on the withdrawal account name in which the account holder of the withdrawal account is written in katakana. The name of the withdrawal account Kana is verified by the host computer 1 with the name of the account master master 41. The withdrawal amount is the withdrawal amount of the withdrawal request. The withdrawal business owner number takes the value of the business owner number stored as the business owner record, and indicates the association between the withdrawal individual record and the business owner record. For example, the withdrawal business owner number in the first and second lines in FIG. 3B is the same as the business owner number in the first line in FIG. 3A. This indicates that the first row in FIG. 3B and the first row in FIG. 3A are associated, and the second row in FIG. 3B and the first row in FIG. 3A are associated.

  In the withdrawal master 42, one withdrawal request information is represented by one set of the associated business owner record and withdrawal personal record. 3A and 3B show, for example, withdrawal request information represented by a set of the record in the first row in FIG. 3A and the record in the first row in FIG. 3B, and the record and diagram in the first row in FIG. 3A. Two cases of withdrawal request information represented by a pair with the record in the second row of 3B are shown. In this embodiment, the withdrawal date is stored in the business owner record, and a common withdrawal date is provided for each business owner. However, the withdrawal date is stored in the withdrawal individual record, and a different withdrawal date is provided for each withdrawal account. May be.

An example of information flow until the withdrawal request information represented by the business owner record and the withdrawal individual record is stored in the withdrawal master 42 will be described. First, the withdrawal request information is created by the business owner based on the withdrawal request contract and the like and brought into the financial institution. Here, the information on the withdrawal request is brought into the financial institution as a storage medium or the like that stores a paper request form or electronic data of the withdrawal request. Next, the received request form and storage medium are sent to the office center. Next, in the office center, an office worker uses the terminal 21 of the office center system 2 to input withdrawal request information as electronic data from a request form or a recording medium. Next, in the office center system 2, the withdrawal request information input from the terminal 21 is converted into a predetermined format conforming to the Zenginkyo record format and the like, and transmitted to the host computer 1 via the network 3. Next, the host computer 1 stores the withdrawal request information received from the office center system 2 in the withdrawal master 42 as a record. The withdrawal request information is created regularly or irregularly, such as every month, and is stored as a record in the withdrawal master 42.

  Further, when the withdrawal request contract is canceled, a withdrawal request information deletion request is transmitted from the office center system 2 to the host computer 1. The host computer 1 deletes the record stored in the withdrawal master 42 in accordance with the deletion request received from the office center system 2.

  FIG. 4 is a diagram illustrating an example of data of the filter master 43. In the filter master 43, a withdrawal record from the withdrawal account to the remittance account is executed and a record of withdrawal results indicating success is stored. In FIG. 4, one line is one record, and one record constitutes one withdrawal result. The record of the filter master 43 includes fields of a business owner number, a passbook symbol, and a passbook number. The business owner number takes the value of the business owner number registered in the business owner data of the withdrawal master 42, and identifies the remittance destination account of the withdrawal result. A set of passbook symbol and passbook number specifies a withdrawal account of withdrawal results.

<Functional configuration>
FIG. 5 is a diagram illustrating a functional configuration of the host computer 1.

  The host computer 1 reads out a program stored in the auxiliary storage device 14 to the RAM 12 and executes it by the CPU 11, whereby a withdrawal request information storage unit 101, a withdrawal result storage unit 102, a withdrawal possibility determination unit 103, It functions as a computer including a withdrawal process execution unit 104, a withdrawal result update unit 105, a withdrawal execution availability output unit 106, and an automatic execution unit 107. In this embodiment, each function of the computer is executed by the CPU 11 that is a general-purpose processor. However, part or all of these functions are executed by one or more dedicated processors, hardware arithmetic circuits, and the like. May be. Here, the hardware arithmetic circuit refers to, for example, an adder circuit, a multiplier circuit, a flip-flop, etc. combined with logic gates.

  In the present embodiment, the withdrawal request information storage unit 101 stores withdrawal account identification information that identifies a withdrawal account, remittance destination account identification information that identifies a remittance destination account, and withdrawal request information that includes the name of the withdrawal account. Specifically, the withdrawal request information storage unit 101 stores withdrawal request information by storing a business owner record and a withdrawal individual record in the withdrawal master 42. Here, in the withdrawal master 42, the combination of the business owner account symbol and business owner account number of the business owner record corresponds to remittance destination account specifying information. Further, it can be said that the business owner number of the business owner record also corresponds to the remittance destination account specifying information. Moreover, the combination of the passbook symbol and passbook number of the withdrawal personal record corresponds to withdrawal account specifying information. In addition, the name of the withdrawal account Kana in the withdrawal individual record of the withdrawal individual record corresponds to the name of the withdrawal account.

In the present embodiment, the withdrawal record storage unit 102 stores the withdrawal record from the withdrawal account to the remittance destination account. Specifically, the withdrawal record storage unit 102 stores the withdrawal record by storing a record indicating the withdrawal record in the filter master 43. The withdrawal record storage unit 102 stores a record indicating the withdrawal record from the withdrawal account specified by the passbook symbol and the passbook number to the remittance destination account specified by the business owner number in the filter master 43.

  In this embodiment, the withdrawal possibility determination unit 103 determines whether or not the withdrawal process relating to the withdrawal request information can be executed. In the present embodiment, one withdrawal process may be executed by the withdrawal process execution unit 104 for one withdrawal request information. The withdrawal possibility determination unit 103 determines, for each withdrawal request information, whether or not a withdrawal process according to information included in the withdrawal request information can be executed.

  The determination of whether or not execution is possible in the withdrawal allowance determination unit 103 is based on the condition whether the withdrawal account and the remittance destination account have the same withdrawal record as the withdrawal request information stored in the withdrawal record storage unit 102. ) And (2). Here, the condition specifically has the same business owner number as the business owner number of the withdrawal request information, and has the same passbook symbol and passbook number as the passbook symbol and passbook number of the withdrawal request information. This is a condition as to whether or not a record of withdrawal results is stored in the filter master 43.

  Pattern (1): Withdrawal account included in the withdrawal request information when the withdrawal account and the remittance destination account are the same as the withdrawal request information and the withdrawal record is not stored in the filter master 43. With reference to the name of the Kana, it is determined whether or not the withdrawal process for the withdrawal request information can be executed based on the name of the withdrawal account Kana. Pattern (2): Withdrawal account included in the withdrawal request information when the withdrawal master and the remittance destination account have the same withdrawal history as the withdrawal request information. It is determined that the withdrawal process related to the withdrawal request information is executable regardless of the name of Kana.

  In the present embodiment, the determination as to whether or not the pattern (1) can be executed is a determination based on name collation using the name of Kana. Whether or not the pattern (1) can be executed is determined based on the collation result indicating whether the withdrawal account Kana name included in the withdrawal request information has the same name as the Kana name acquired from the account information. 1) and (1-2). Here, the Kana name acquired from the account information is the Kana name acquired from the account original book master 41.

  Pattern (1-1): The withdrawal possibility determination unit 103 obtains the name of the withdrawal account Kana included in the withdrawal request information and the name of the Kana acquired from the account information of the withdrawal account specified by the withdrawal account specifying information included in the withdrawal request information. Indicate that the withdrawal process related to the withdrawal request information is executable. Pattern (1-2): The withdrawal allowance determination unit 103 obtains the name of the withdrawal account Kana included in the withdrawal request information and the name of the Kana acquired from the account information of the withdrawal account specified by the withdrawal account specifying information included in the withdrawal request information. , It is determined that the withdrawal process relating to the withdrawal request information is not executable.

  In the present embodiment, whether or not the name of the withdrawal account Kana and the name of Kana acquired from the account information indicate the same name is determined by whether or not the character strings of both names of Kana match. In addition, even if both character strings do not match, it may be determined that the same name is shown when a predetermined condition is satisfied. For example, when there is only a difference in notation such as a predetermined dakuten, semi-dakuten, blank, etc., it may be determined that the name of the withdrawal account Kana and the name of Kana acquired from the account information indicate the same name.

Determining whether or not execution is possible will be described using a specific example. First, using the withdrawal request information that is stored in the withdrawal master 42 and is represented by a set of the record in the first row in FIG. 3A and the record in the first row in FIG. 3B, the pattern (1) and the pattern (1 -1) will be described. The remittance destination account of the withdrawal request information is specified by the business owner number “17123456”, and the withdrawal account of the withdrawal request information is specified by the passbook symbol “740” and the passbook number “1234567”. FIG.
In the filter master 43 shown in FIG. 2, a record indicating a set of the business owner number “171123456”, the passbook symbol “740”, and the passbook number “1234567” is not stored. Therefore, this example corresponds to the case where the withdrawal record in which the withdrawal account and the remittance destination account are the same as the withdrawal request information is not stored in the filter master 43, and is classified into the pattern (1). The withdrawal possibility determination unit 103 determines whether or not the withdrawal process relating to the withdrawal request information can be executed based on the withdrawal account Kana name “Yucho Taro” included in the withdrawal request information.

  Further, in the account book master 41 shown in FIG. 2, the name of the account information indicated by the first line record with the passbook symbol “740” and the passbook number “1234567” is “Yucho Taro”. Therefore, in this example, the name of the withdrawal account Kana included in the withdrawal request information and the name of the Kana obtained from the account information of the withdrawal account specified by the withdrawal account identification information included in the withdrawal request information have the same name. This corresponds to the case of showing and is classified into the pattern (1-1). The withdrawal possibility determination unit 103 determines that the withdrawal process related to the withdrawal request information is executable.

  Next, the pattern (2) will be described using withdrawal request information represented by a set of the first row record in FIG. 3A and the second row record in FIG. 3B stored in the withdrawal master 42. The remittance destination account of the withdrawal request information is identified by the business owner number “17123456”, and the withdrawal account of the withdrawal request information is identified by the passbook symbol “741” and the passbook number “2345678”. The filter master 43 shown in FIG. 4 stores a record on the first line indicating a set of the business owner number “17123456”, the passbook symbol “741”, and the passbook number “2345678”. Therefore, this example corresponds to the case where the withdrawal possibility determination unit 103 stores in the filter master 43 the withdrawal record in which the withdrawal account and the remittance destination account are the same as the withdrawal request information, and is classified into the pattern (2). Is done. The withdrawal possibility determination unit 103 determines that the withdrawal process regarding the withdrawal request information is executable regardless of the withdrawal account Kana name “Ginkau Hanako” included in the withdrawal request information.

  Next, it is assumed that the record of the first row is not stored in the filter master 43 shown in FIG. Under this assumption, the pattern (1-2) will be described using withdrawal request information represented by a set of the first row record in FIG. 3A and the second row record in FIG. 3B. This example corresponds to a case where the withdrawal record in which the withdrawal account and the remittance destination account are the same as the withdrawal request information is not stored in the filter master 43, and is classified into the pattern (1). The withdrawal possibility determination unit 103 determines whether or not the withdrawal process relating to the withdrawal request information can be executed based on the withdrawal account Kana name “Ginkau Hanako” included in the withdrawal request information. In the account book master 41 shown in FIG. 2, the name of the account information indicated by the second line record with the passbook symbol “741” and the passbook number “2345678” is “Yucho Hanako”. Therefore, when the withdrawal account Kana name included in the withdrawal request information and the Kana name obtained from the account information of the withdrawal account specified by the withdrawal account identification information included in the withdrawal request information do not indicate the same name Corresponding and classified as pattern (1-2). The withdrawal possibility determination unit 103 determines that the withdrawal process related to the withdrawal request information is not executable.

The withdrawal possibility determination unit 103 determines whether or not there is a withdrawal account specified by the withdrawal account specifying information included in the withdrawal request information, and there is a remittance destination account specified by the destination account specifying information included in the withdrawal request information. Whether or not execution is possible may be further determined based on whether or not to do so. Further, the withdrawal processing execution unit 104 may determine whether or not execution is possible based on a check digit added to a symbol or number that identifies an account. For example, a check digit may be added to the passbook symbol of the account book master 41 and the passbook symbol and business owner account symbol of the withdrawal master 42. In this case, the withdrawal processing execution unit 104 compares the check digit of the passbook symbol of the withdrawal account in the account book master 41 and the check digit of the passbook symbol of the withdrawal master 42, and if the two do not match, the withdrawal processing cannot be executed. You may determine that there is. Also, the withdrawal processing execution unit 104
The check digit of the passbook symbol of the remittance destination account in the account book master 41 and the check digit of the business owner account symbol of the withdrawal master 42 may be compared, and if they do not match, it may be determined that the withdrawal process cannot be executed. .

  In the present embodiment, the withdrawal process execution unit 104 is executable when it is determined by the withdrawal possibility determination unit 103 that the withdrawal process regarding the withdrawal request information stored in the withdrawal request information storage unit 101 is executable. The withdrawal process determined to be present is executed. In the present embodiment, the withdrawal processing execution unit 104 withdraws the withdrawal amount from the withdrawal account on the withdrawal date of the withdrawal request information, and deposits the withdrawal amount into the remittance destination account.

  Here, in the present embodiment, the automatic execution unit 107 controls that the processing of the withdrawal processing execution unit 104 is executed on the withdrawal date. Details of this control will be described later. The withdrawal process is realized by the withdrawal processing execution unit 104 subtracting the withdrawal amount of the withdrawal request information from the balance of the withdrawal account record stored in the account original master 41. Also, the deposit process is realized by the withdrawal process execution unit 104 adding the withdrawal amount of the withdrawal request information to the balance of the record of the remittance destination account stored in the account original master 41.

  The withdrawal in the withdrawal process may be performed at a predetermined date and time corresponding to the withdrawal date, such as the day after the withdrawal date. Further, the withdrawal request information may employ a withdrawal time including the hour and minute instead of the withdrawal date, and the withdrawal process may be executed at the withdrawal time.

  Further, as the deposit process, the withdrawal processing execution unit 104 may add an amount obtained by subtracting a predetermined fee from the withdrawal amount of the withdrawal request information to the balance of the record of the remittance destination account stored in the account original book master 41. As for the fee, a predetermined fee may be separately deducted from the remittance destination account after the execution of the withdrawal process is completed. In this case, fees may be deducted collectively for each business owner regarding the withdrawal processed on the withdrawal date.

  In this embodiment, when the withdrawal processing execution unit 104 successfully executes the withdrawal process from the withdrawal account to the remittance destination account, the withdrawal history update unit 105 displays the withdrawal history from the withdrawal account to the remittance destination account. It is stored in the withdrawal result storage unit 102. Specifically, the withdrawal record update unit 105 adds a new record to the filter master 43 indicating the withdrawal record from the withdrawal account to the remittance account specified by the business owner number, passbook symbol, and passbook number. To do.

  According to the withdrawal record update unit 105 of the present embodiment, the withdrawal record is stored in the filter master 43 according to the success of the withdrawal process. Therefore, when new withdrawal request information having the same withdrawal account and remittance destination account is stored in the withdrawal master 42, a withdrawal process is executed for the new withdrawal request information regardless of the name of the account Kana. Therefore, in a situation where the name of the account book master 41 is changed due to the marriage of the account holder, etc., the withdrawal request information based on the information before the name change is stored in the withdrawal master 42. However, the withdrawal process relating to the new withdrawal request information can be executed. Therefore, it is possible to prevent the withdrawal process from being executed due to the change of the name of the kana. Even if the Kana name in the account information is changed, the account holder is the same, so that a suitable withdrawal process can be executed.

In the present embodiment, the withdrawal execution availability output unit 106 outputs whether or not the withdrawal process determined by the withdrawal availability determination unit 103 is possible. In this embodiment, when the host computer 1 receives a pre-execution availability determination request from the office center system 2, the withdrawal execution availability determination unit 106 activates the function of the withdrawal availability determination unit 103, and the withdrawal availability determination unit 103. To determine whether or not the withdrawal process can be executed. The withdrawal execution enable / disable output unit 106 searches the withdrawal master 42 for withdrawal request information whose withdrawal date included in the withdrawal request information is later than the date when the advance execution availability determination request is received, and for each of the retrieved withdrawal request information, Whether or not the withdrawal process can be executed is determined.
The withdrawal execution availability output unit 106 transmits the execution availability determination result determined by the withdrawal availability determination unit 103 to the office center system 2 and outputs the result to the outside of the host computer 1. Information for identifying withdrawal request information is added to the determination result output here.

  According to the withdrawal execution enable / disable output unit 106 of the present embodiment, whether or not the withdrawal process can be executed is output before the withdrawal date, so that the user of the office center system 2 can grasp the withdrawal request information for which the withdrawal process cannot be performed. . Therefore, for example, the user of the office center system 2 can notify the business owner or the like before the withdrawal date that the withdrawal processing is not successful. Also, the user of the office center system 2 can grasp an input error of withdrawal request information. Also, the user of the office center system 2 can take measures such as correcting the withdrawal request information and deleting the withdrawal request information. Therefore, in the host computer 1, it is possible to prevent the withdrawal process related to the withdrawal request information from being executed on the withdrawal date and causing an error output or the like.

  In the present embodiment, the automatic execution unit 107 determines whether or not the withdrawal process can be executed and the withdrawal process on the withdrawal date included in the withdrawal request information for each withdrawal request information stored by the withdrawal request information storage unit 101. The automatic execution unit 107 causes the withdrawal possibility determination unit 103 to determine whether or not the withdrawal process regarding the withdrawal request information can be performed at a predetermined time on the withdrawal date. The automatic execution unit 107 also causes the withdrawal process execution unit 104 to perform withdrawal processing related to withdrawal request information.

  Specifically, the processing of the automatic execution unit 107 is performed as a batch process every day at a predetermined time such as early morning. The automatic execution unit 107 searches the withdrawal master 42 for the business owner record whose withdrawal date is the current day, and the combination of the retrieved business owner record and the withdrawal personal record associated with the business owner record indicates the withdrawal request information. Process all cases.

  The automatic execution unit 107 activates the function of the withdrawal possibility determination unit 103 and causes the withdrawal possibility judgment unit 103 to determine whether or not the withdrawal process can be performed regarding the withdrawal request information to be processed. Next, the automatic execution unit 107 causes the withdrawal process execution unit 104 to perform withdrawal processing related to withdrawal request information that has been determined to be executable. Next, the automatic execution unit 107 creates result information regarding the determination result of whether or not the withdrawal process can be performed by the withdrawal possibility determination unit 103 and the execution result of the withdrawal process, and stores the result information in the auxiliary storage device 14. These processes are performed for each withdrawal request information to be processed. When the automatic execution unit 107 finishes processing all the withdrawal request information, the automatic execution unit 107 transmits the stored result information to the office center system 2.

  According to the automatic execution unit 107 of this embodiment, since the withdrawal process determined to be executable is executed at the date and time corresponding to each withdrawal request information stored, automatic withdrawal can be suitably realized. it can.

  The result information transmitted from the automatic execution unit 107 to the office center system 2 may be transmitted in a record format conforming to the Zenginkyo record format. In addition, the result information is sent to each business owner and sent. The number and amount of withdrawals processed, the number and amount of unexecutable transactions, the number of collated names, the number of successful collated names, etc. May be added.

<Process flow>
A processing flow of the host computer 1 according to the present embodiment will be described with reference to FIGS. 6 and 7. It should be noted that the specific contents and order of the processes shown in these drawings are examples, and it is preferable that processes suitable for the embodiment are appropriately adopted as the process contents and order.

  FIG. 6 is a flowchart showing the flow of the withdrawal process. The flow of this process is triggered by the fact that the automatic execution unit 107 activates the function of the withdrawal allowance determination unit 103 and starts the process of determining whether or not the withdrawal process can be performed with respect to withdrawal request information whose withdrawal date is the current day. Start. FIG. 6 shows a process related to one withdrawal request information. The other withdrawal request information is processed in the same manner.

  In steps S101 to S103, it is determined whether or not the withdrawal process relating to the withdrawal request information can be executed.

  In step S <b> 101, the withdrawal possibility determination unit 103 determines whether or not a withdrawal record in which the withdrawal account and the remittance destination account are the same as the withdrawal request information is stored in the filter master 43. When it is determined in step S101 that the withdrawal result is stored in the filter master 43, the withdrawal possibility determination unit 103 determines that the withdrawal process regarding the withdrawal request information is executable. This process flow corresponds to the above-described pattern (2). Thereafter, the process proceeds to step S104. If it is not determined in step S101 that the withdrawal record is stored in the filter master 43, the process proceeds to step S102. This processing flow corresponds to the above-described pattern (1).

  In steps S102 and S103, it is determined whether or not the withdrawal process relating to the withdrawal request information can be executed based on the withdrawal account Kana name included in the withdrawal request information. First, in step S <b> 102, the withdrawal possibility determination unit 103 collates the withdrawal account Kana name included in the withdrawal request information with the Kana name acquired from the account information stored in the account original book master 41. Next, in step S103, the withdrawal possibility determination unit 103 determines the collation result of the Kana name. If it is determined in step S103 that the names of Kana match, the withdrawal possibility determination unit 103 determines that the withdrawal process regarding the withdrawal request information can be executed. This processing flow corresponds to the above-described pattern (1-1). Thereafter, the process proceeds to step S104. If it is not determined in step S103 that the names of Kana match, the withdrawal possibility determination unit 103 determines that the withdrawal process regarding the withdrawal request information is not executable. This processing flow corresponds to the above-described pattern (1-2). Thereafter, the process ends without executing the withdrawal process.

  In step S104, the withdrawal processing execution unit 104 executes withdrawal processing from the withdrawal account regarding the withdrawal request information to the remittance destination account. The process proceeds to step S104 when the withdrawal possibility determination unit 103 determines that the withdrawal process can be performed.

  In step S105, the withdrawal record update unit 105 determines whether or not the withdrawal process in step S104 is successful. If it is determined in step S105 that the withdrawal process has been successful, the process proceeds to step S106. If it is not determined in step S106 that the withdrawal process has been successful, the process ends. If it is not determined that the withdrawal process has been successful, for example, there may be a case where the balance of the withdrawal account is less than the withdrawal amount and the balance is insufficient.

  In step S106, the filter master 43 is updated. The withdrawal record update unit 105 adds a new record indicating the withdrawal record from the withdrawal account to the remittance destination account to the filter master 43.

FIG. 7 is a flowchart showing a flow of processing for determining whether or not advance execution is possible. The processing flow is such that after the host computer 1 receives a pre-executability determination request from the office center system 2, the withdrawal execution availability output unit 106 of the host computer 1 determines whether or not the withdrawal process can be executed with respect to the withdrawal request information. At the same time, it starts when the withdrawal possibility determination unit 103 is activated. The host computer 1 according to the present embodiment performs execution feasibility determination processing for each withdrawal request information in which the withdrawal date included in the withdrawal request information is after the date on which the advance execution feasibility judgment request is received in response to the advance execution feasibility judgment request. I do. FIG. 7 shows a flow of execution feasibility determination processing regarding one withdrawal request information. The other withdrawal request information is processed in the same manner.

  In steps S201 to S203, it is determined whether or not the withdrawal process relating to the withdrawal request information can be executed. The processes in steps S201 to S203 are the same as the processes in steps S101 to S103 in FIG. If it is determined in step S201 that the withdrawal result is stored in the filter master 43, and if it is determined in step S203 that the names of Kana match, the withdrawal possibility determination unit 103 performs a withdrawal process on the withdrawal request information. The process proceeds to step S204. If it is not determined in step S203 that the names of Kana match, the withdrawal possibility determination unit 103 determines that the withdrawal process regarding the withdrawal request information cannot be executed, and the process proceeds to step S205.

  In steps S <b> 204 and S <b> 205, the withdrawal execution availability output unit 106 outputs the judgment result on whether or not the withdrawal processing related to the withdrawal request information is transmitted to the office center system 2 and outputs the result. In step S204, the withdrawal execution availability output unit 106 outputs a determination result indicating that execution is possible. In step S205, the withdrawal execution availability output unit 106 outputs a determination result indicating that execution is impossible.

  As described above, according to the present embodiment, the withdrawal account Kana name included in the withdrawal request information is collated with the Kana name acquired from the account information, and it is determined whether or not the withdrawal process can be executed. Therefore, for example, even if a passbook number is entered incorrectly in response to a withdrawal request, and a withdrawal account that is different from the expected one is specified, it will be determined that the Kana name does not match in the Kana name verification and the withdrawal process cannot be executed. Is not executed. For this reason, it is possible to suppress the withdrawal different from the expected due to an erroneous input of the withdrawal request.

  Further, according to the present embodiment, when the withdrawal process from the withdrawal account to the remittance destination account is successful, the withdrawal result is stored in the filter master 43, and thereafter, the withdrawal process from the same withdrawal account to the remittance destination account is performed. Whether or not execution is possible is determined to be executable regardless of collation of the Kana name with respect to the withdrawal account Kana name included in the withdrawal request information. Therefore, even if the name of the account holder is changed, the withdrawal process can be prevented from failing due to the change of the name. At this time, since it is unnecessary to correct the name of the withdrawal account Kana in the withdrawal request information, it is possible to execute a suitable withdrawal process without any work load. In particular, when there are a large number of withdrawal request information whose names are changed, the burden of many correction operations can be reduced.

  Further, according to the present embodiment, whether or not the withdrawal process can be executed is output before the withdrawal date in response to the advance execution possibility determination request. Therefore, it is possible to grasp an input error of withdrawal request information at an early stage. By correcting the withdrawal request information by the withdrawal date, the occurrence of an error in the withdrawal process is suppressed, and the withdrawal process can be suitably executed.

  The host computer 1 is a case where the account is canceled and the account information of the account master record 41 is deleted, and the filter master 43 has a record including the passbook symbol and passbook number of the deleted account information. When stored, the record may be deleted. By doing so, it is possible to prevent the withdrawal process from being determined to be possible for the canceled account.

When the host computer 1 receives a withdrawal request information removal request from the office center system 2, the host computer 1 deletes the withdrawal request information stored in the withdrawal master 42 and deletes the withdrawal request information in accordance with the received deletion request. The withdrawal history of the same withdrawal account and remittance destination account as the information may be deleted from the filter master 43. In this way, it is possible to delete a record of the filter master 43 that is no longer used when determining whether or not the withdrawal process can be executed. Therefore, it is possible to suppress the auxiliary storage device 14 from becoming short of storage capacity due to an increase in the number of records of the filter master 43.

≪Modification≫
In the embodiment described above, the host computer 1 has the account book master 41 in the auxiliary storage device 14. In another embodiment, the host computer 1 does not have the account ledger master 41, and the account management server that manages the account may have the database of the account ledger master 41. That is, the information processing apparatus according to the present invention may be implemented as one that does not have the account book master 41. In this case, the host computer 1 transmits an account information acquisition request to the account management server, acquires account information from the account master master 41 in accordance with the account information acquisition request received by the account management server, and acquires the acquired account information. A reply is sent to the host computer 1. Further, in this case, the withdrawal processing execution unit 104 of the host computer 1 transmits a withdrawal request or a deposit request to the account management server, and the account of the account book master 41 according to the withdrawal request or the deposit request received by the account management server. Update balance.

1 Host computer (information processing equipment)
2 Office Center System 3 Network 41 Account Ledger Master 42 Withdrawal Master 43 Filter Master

Claims (6)

A withdrawal record storage means for storing the withdrawal record from the withdrawal account to the remittance account;
With regard to withdrawal account specifying information for specifying a withdrawal account, remittance destination account specifying information for specifying a remittance destination account, and withdrawal request information including the name of the withdrawal account, the withdrawal history in which the withdrawal account and the destination account are the same as the withdrawal request information. Is not stored, based on the name of the withdrawal account included in the withdrawal request information, it is determined whether or not the withdrawal process related to the withdrawal request information can be executed, and the withdrawal account and the remittance destination account are the same as the withdrawal request information. A withdrawal availability determination unit that determines that the withdrawal process related to the withdrawal request information is executable regardless of the name of the withdrawal account included in the withdrawal request information.
An information processing apparatus comprising: Withdrawal request information storage means for storing withdrawal request information;
A withdrawal process execution unit that executes the withdrawal process that is determined to be executable when it is determined by the withdrawal possibility determination unit that the withdrawal process related to the stored withdrawal request information is executable;
When the execution of the withdrawal process from the withdrawal account to the remittance account is successful, a withdrawal result update unit that stores the withdrawal result from the withdrawal account to the remittance destination account in the withdrawal result storage unit;
Further comprising
The information processing apparatus according to claim 1. The withdrawal permission determination means is a case where the withdrawal account and the remittance destination account are not stored in a withdrawal record in which the withdrawal request information is the same, and the withdrawal account name included in the withdrawal request information and the withdrawal request information When the account name acquired from the information for managing the withdrawal account specified by the withdrawal account specifying information included in is not the same name, it is determined that the withdrawal process related to the withdrawal request information is not executable.
The information processing apparatus according to claim 1 or 2. A withdrawal execution enable / disable output unit that outputs whether or not the withdrawal process determined by the withdrawal enable / disable determination unit is performed;
The information processing apparatus according to any one of claims 1 to 3. In an information processing apparatus comprising a withdrawal record storage unit for storing a withdrawal record from a withdrawal account to a remittance destination account,
With regard to withdrawal account specifying information for specifying a withdrawal account, remittance destination account specifying information for specifying a remittance destination account, and withdrawal request information including the name of the withdrawal account, the withdrawal history in which the withdrawal account and the destination account are the same as the withdrawal request information. Is not stored, based on the name of the withdrawal account included in the withdrawal request information, it is determined whether or not the withdrawal process related to the withdrawal request information can be executed, and the withdrawal account and the remittance destination account are the same as the withdrawal request information. A withdrawal allowance determination step for determining that the withdrawal process related to the withdrawal request information is executable regardless of the name of the withdrawal account included in the withdrawal request information,
Information processing method in which is executed. Computer
A withdrawal record storage means for storing the withdrawal record from the withdrawal account to the remittance account;
With regard to withdrawal account specifying information for specifying a withdrawal account, remittance destination account specifying information for specifying a remittance destination account, and withdrawal request information including the name of the withdrawal account, the withdrawal history in which the withdrawal account and the destination account are the same as the withdrawal request information. Is not stored, based on the name of the withdrawal account included in the withdrawal request information, it is determined whether or not the withdrawal process related to the withdrawal request information can be executed, and the withdrawal account and the remittance destination account are the same as the withdrawal request information. A withdrawal availability determination unit that determines that the withdrawal process related to the withdrawal request information is executable regardless of the name of the withdrawal account included in the withdrawal request information.
Program to function as.

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