JP2020035120A - Transfer management system, transfer management method and transfer management program - Google Patents

Abstract

To provide a transfer management system capable of reducing a work load relating to a reserved batch transfer process even when the batch transfer process is reserved due to a shortage of balance or the like.SOLUTION: A receiving unit 81 receives a withdrawal error due to an insufficient balance of a withdrawal account generated in response to a batch transfer instruction. A deposit confirmation unit 82 performs the confirmation of deposit at a predetermined timing with respect to the withdrawal account in which the withdrawal error has occurred. The deposit confirmation unit 82 periodically repeats the confirmation of deposit for the withdrawal account in which the withdrawal error has occurred until the deposit necessary for lump-sum transfer is made.SELECTED DRAWING: Figure 5

Description

  The present invention relates to a transfer management system for managing a transfer error, a transfer management method, and a transfer management program.

  In performing corporate activities, a general transfer or a salary transfer for executing a large amount of foreign exchange transfer at a time is performed as a normal business. By using a lump-sum transfer such as a comprehensive transfer or a salary transfer, a large amount of foreign-exchange transfers can be executed in a batch. Will be possible.

  On the other hand, when processing a large amount of transfer data in a lump, the possibility of occurrence of a transfer error increases. Therefore, a method of reducing the transfer error has been proposed. For example, Patent Literature 1 describes a transfer system that collectively processes a large amount of transfer data and improves a transfer success rate. The transfer system described in Patent Literature 1 executes a validity check of the transferee account information by communicating with an integrated ATM (automated teller machine), and determines that there is no error based on the result data of the validity check. Only the transferee account information to be transferred is identified.

JP 2013-228935 A

  On the other hand, in the lump-sum transfer, the balance of funds required for the exchange transfer becomes necessary for the transfer source account which is a withdrawal account. Therefore, if there is insufficient funds in the withdrawal account in the first place, a withdrawal error will occur due to the inability to transfer money. In the transfer system described in Patent Document 1, the transfer success rate is improved by checking the validity of the transfer destination account information, but a transfer error due to insufficient funds is not considered. For this reason, the post-processing when a payment error has occurred is unknown.

  FIG. 6 is an explanatory diagram showing an example of a general business flow when the transfer becomes impossible. It is assumed that a withdrawal error 112 has occurred in the accounting host computer 110 of the financial institution F1 with respect to the batch transfer 111 by night batch or the like. When a withdrawal error 112 occurs for the lump-sum transfer 111, the accounting host computer 110 reserves the lump-sum transfer and instructs the terminal 121 of the office center 120 to output the receipt slip 122 of the withdrawal error. . The terminal 121 of the office center 120 outputs a receipt 122 indicating a transfer fund risk error as a withdrawal error.

  The operator 113 performs payment confirmation 114 via the terminal 121, and communicates a payment request 115 to the client F2. Thereafter, the operator 113 refers to the ledger and periodically checks the payment via the terminal 121 while checking the non-payment destination.

  Thereafter, when the payment 117 from the client F2, which is the client, can be confirmed, the operator 113 performs the payment processing from the client's withdrawal account, the payment processing to the exchange destination, the batch transfer processing, and the like via the terminal 121. A post-process 118 such as a fee collection process is performed.

  Since it is not appropriate to hold the transfer process for a long time, as illustrated in FIG. 6, in the financial institution F1, the operator 113 makes an inquiry to the transfer requester and periodically transfers the account to the account. Confirm payment. However, it is a heavy burden for the operator 113 to periodically confirm payment to the account of the target client via the terminal 121. If the number of target clients or the number of cases increases, the load also increases. Increase.

  Therefore, the present invention provides a transfer management system, a transfer management method, and a transfer management program that can reduce the workload on the reserved batch transfer process even when the batch transfer process is reserved due to insufficient balance or the like. With the goal.

  A transfer management system according to the present invention includes a receiving unit that receives a withdrawal error due to a shortage of the balance of a withdrawal account that occurs in response to a lump-sum transfer instruction, and a withdrawal account with which a withdrawal error has occurred. There is a payment confirmation unit that performs payment confirmation at the timing, and the payment confirmation unit periodically repeats the payment confirmation for the withdrawal account where the withdrawal error occurred until the payment required for the bulk transfer is made Features.

  The transfer management method according to the present invention receives a withdrawal error due to a shortage of the balance of the withdrawal account generated in response to the lump-sum transfer instruction, and transfers the remittance necessary for the lump-sum transfer to the withdrawal account in which the withdrawal error has occurred. It is characterized in that payment confirmation is repeated periodically until the payment is made.

  The transfer management program according to the present invention provides a computer with a receiving process for receiving a withdrawal error due to insufficient balance of a withdrawal account generated in response to a lump-sum transfer instruction, and for a withdrawal account with a withdrawal error , Execute the payment confirmation process to confirm the payment at a predetermined timing, and in the payment confirmation process, periodically check the payment account for the withdrawal account in which the withdrawal error occurred until the necessary payment for the bulk transfer is made Is repeated.

  ADVANTAGE OF THE INVENTION According to this invention, even if the lump-sum transfer process is reserved due to a shortage of balance or the like, it is possible to reduce the workload related to the lump-sum lump-sum transfer process.

It is a block diagram showing the example of composition of the transfer management system by the present invention. It is an explanatory view showing an example of a business flow when a payment error occurs. It is a flowchart which shows the operation example of the transfer management system. It is a flowchart which shows the operation example of a transfer management server. It is a block diagram showing the outline of the transfer management system by the present invention. It is an explanatory view showing an example of a general business flow when transfer becomes impossible.

  Hereinafter, embodiments of the present invention will be described with reference to the drawings.

Embodiment 1 FIG.
FIG. 1 is a block diagram showing a configuration example of a first embodiment of a transfer management system according to the present invention. The transfer management system 100 according to the present embodiment includes a storage unit 10 and a transfer management server 20. The transfer management server 20 is provided, for example, for each financial institution.

  The storage unit 10 is a storage device that stores various information. The storage unit 10 is provided, for example, in an accounting host computer (not shown), and the accounting host computer is communicably connected to the transfer management server 20.

  Further, in the present embodiment, it is assumed that a collective transfer instruction has been issued in a nightly batch to the accounting host computer, and a withdrawal error indicating insufficient balance or the like has occurred in response to the collective transfer instruction. And Then, it is assumed that the accounting host computer has transmitted a message indicating a payment error to the transfer management server 20. The message indicating the withdrawal error includes information on a transfer destination account, information on a withdrawal account, and the like. The specific contents of the message indicating the dispensing error will be described later. The batch transfer instruction is not limited to the night batch, but may be an instruction at an arbitrary timing.

  The storage unit 10 stores account information of a client who is a client. Specifically, the storage unit 10 stores the balance status of the customer's account and the like, and the contents of the storage unit 10 can be referred to from the transfer management server 20.

  The transfer management server 20 includes an error receiving unit 21, a payment confirmation unit 22, a notification unit 23, a transfer procedure unit 24, an output unit 25, and a customer information storage unit 26.

  The customer information storage unit 26 stores information on the customer who is the client. Specifically, the customer information storage unit 26 stores the name of each customer and the withdrawal account. Further, the customer information storage unit 26 stores information for the notifying unit 23 described later to notify the client. The information for performing the notification includes at least information for specifying the notification method and the notification destination. Examples of the notification method include facsimile, mail, display on the Web, and notification to a mobile application. Examples of the information for specifying the notification destination include a fax number, a mail address, an identifier on the Web to be displayed (such as a URL: uniform resource locator), and an identifier of a customer registered in a cooperative application.

  In the present embodiment, description will be made on the assumption that customer information is stored in the customer information storage unit 26 of the transfer management server 20. The customer information may be stored in the storage unit 10 and the transfer management server 20 may acquire the customer information stored in the storage unit 10. The customer information storage unit 26 is realized by, for example, a magnetic disk or the like.

  The error receiving unit 21 receives a withdrawal error from the accounting host computer due to a shortage of the balance of the withdrawal account generated in response to the transfer instruction. Specifically, the error receiving unit 21 may send, as a message indicating a withdrawal error that has occurred in response to the lump-sum transfer instruction, for example, a store number, an account, an account number, a total amount, Receive information including a transmission number. The batch transmission number is a number for identifying the contents of the batch transfer in which a transfer error has occurred, and is used when the transfer management server issues a batch transmission instruction to the accounting host computer.

  Receiving the message indicating the withdrawal error, the payment confirmation unit 22 acquires information on the withdrawal account that caused the withdrawal error from the storage unit 10. That is, the payment confirmation unit 22 automatically confirms payment to the payment account in response to receiving the payment error.

  Further, the payment confirmation unit 22 periodically repeats the payment confirmation until a payment necessary for the lump-sum transfer is made to a payment account for which payment has not been confirmed. Note that the period for performing the payment confirmation may be determined in advance. In that case, the payment confirmation unit 22 may periodically repeat the payment confirmation until the period for performing the payment confirmation elapses.

  Here, the deposit required for the lump-sum transfer may be a deposit that satisfies the total amount of each transfer in the lump-sum transfer, or may be a deposit that satisfies the sum of the total amount and the commission of the financial institution. The payment confirmation unit 22 may, for example, confirm payment to the withdrawal account at intervals of 15 minutes. As described above, the payment confirmation unit 22 automatically performs the payment confirmation at a predetermined timing on the payment account in which the payment error has occurred.

  The method by which the payment confirmation unit 22 confirms the payment is arbitrary. The payment confirmation unit 22 may, for example, transmit a payment message to the accounting host computer, and perform the payment confirmation based on whether or not a payment error has been received. Further, the payment confirmation unit 22 may perform the payment confirmation by transmitting a message indicating the balance inquiry of the withdrawal account to the accounting host computer, and comparing it with the funds required for the transfer process.

  When receiving the message indicating the dispensing error, the notification unit 23 notifies the contents of the dispensing error that has occurred. The notification unit 23 may directly notify the requester that a dispensing error has occurred, or indirectly notify a third party (for example, a business office) notifying the client of the dispensing error. May be notified.

  The notification method and the notification destination are stored in the above-described customer information storage unit 26 as information for notifying the client. Therefore, the notification unit 23 acquires, from the customer information storage unit 26, a notification method and a notification destination for notifying the requester who has requested the payment error. Then, the notification unit 23 notifies the client's notification destination of the payment error according to the notification method.

  When the transfer procedure unit 24 can confirm payment to the withdrawal account, the transfer procedure unit 24 reprocesses the lump-sum transfer in which a withdrawal error has occurred. Specifically, the transfer procedure unit 24 performs a process of withdrawing funds required for the transfer from the client's withdrawal account, a process of depositing money into the exchange destination, and a batch transfer process.

  For example, it is assumed that a transfer error has occurred due to a shortage of the total balance of 16,000 yen. When the payment confirmation unit 22 confirms payment to the withdrawal account, the transfer procedure unit 24 makes a total amount (16,000 yen) withdrawal from the customer's account. The customer's account and the shortfall amount can be specified from the customer's store number, account, account number, and total amount transmitted from the accounting host computer. When the withdrawal is completed, the transfer procedure unit 24 deposits the total amount (16,000 yen) into an account exclusively for collective transmission (for example, a fixed account of a bank) of the financial institution. When the payment is correctly made, the transfer procedure unit 24 issues a batch transmission instruction by transmitting a message including a batch transmission number to the accounting host computer. After that, the accounting host computer that has received the batch transmission instruction performs the transfer process sequentially to a plurality of transfer destinations registered in advance.

  In addition, the transfer procedure unit 24 may perform a fee collection process in addition to the lump-sum transfer process. In the case where the payment confirmation unit 22 has transmitted the withdrawal telegram and has performed the payment confirmation, since the payment processing has already been completed, the transfer procedure unit 24 may perform only the processing after the payment processing.

  The output unit 25 outputs various forms according to the processing status of the transfer management server 20. Hereinafter, the form output according to the processing status will be specifically described.

  First, when the error receiving unit 21 receives a message indicating a withdrawal error generated in response to the lump-sum transfer instruction, the output unit 25 outputs a list of the transfer destinations in which the withdrawal error has occurred (that is, the transfer-disabled destinations). May be output in a form.

  Second, when the payment confirmation unit 22 periodically performs the payment confirmation, the output unit 25 may output a list of the processing results in a form. At this time, the output unit 25 may change the timing for outputting the form according to the processing result (specifically, normal or error).

  For example, it is considered that the information of the transfer destination for which the processing result was an error needs to be confirmed promptly. Therefore, the output unit 25 may immediately output a list in which the processing result is an error to a form. On the other hand, it is considered that the information of the transfer destination whose processing result is normal may be output to some extent collectively. Therefore, the output unit 25 may output a list of normal processing results at a predetermined interval (for example, 120 minutes).

  Third, when a payment from the client cannot be confirmed and a predetermined period has elapsed, a reception slip indicating the content of the error may be output. At this time, the output reception slip is sent to, for example, a third party (for example, a business office), and a response is made between the third party and the client.

  The error receiving unit 21, the payment confirmation unit 22, the notification unit 23, the transfer procedure unit 24, and the output unit 25 are realized by a CPU of a computer that operates according to a program (transfer management program). For example, the program is stored in a storage unit (not shown) of the transfer management server 20, and the CPU reads the program, and according to the program, an error receiving unit 21, a payment confirmation unit 22, a notification unit 23, a transfer procedure unit 24. And may operate as the output unit 25. Further, each of the error receiving unit 21, the deposit confirmation unit 22, the notification unit 23, the transfer procedure unit 24, and the output unit 25 may be realized by dedicated hardware.

  FIG. 2 is an explanatory diagram showing an example of a business flow when a payment error occurs. Note that the server 131 illustrated in FIG. 2 corresponds to the transfer management server 20 of the present embodiment.

  It is assumed that a withdrawal error 112 has occurred in the accounting host computer 110 of the financial institution F1 with respect to the batch transfer 111 by night batch or the like. When a withdrawal error 112 occurs for the lump-sum transfer 111, the accounting host computer 110 reserves the lump-sum transfer and informs the office center 130 of the information of the customer who has caused the lump-sum transfer error as a reception slip (for example, , Customer's store number, subject, account number, total amount, and batch transmission number).

  When the server 131 (more specifically, the error receiving unit 21) of the office center 130 receives the reception slip indicating the payment error, the payment confirmation unit 22 automatically performs the payment confirmation 132 to the payment account. The output unit 25 outputs a form 133 in which a list of non-transferable destinations is described. In addition, when the balance of the withdrawal account is insufficient, the notification unit 23 automatically performs the communication 134 to the sales office F3 and the communication 135 to the customer F2.

  The payment confirmation unit 22 automatically performs payment confirmation 116 to the payment account at regular intervals (for example, every 15 minutes) for the payment account in which the payment error has occurred. The output unit 25 outputs a form 136 showing a list of normal processing results or a form 137 showing a list of processing results in error, according to the processing results. The output unit 25 outputs the form 136 at regular intervals (for example, at 120 minute intervals), and outputs the form 137 immediately.

  Thereafter, when the payment 117 from the client F2, which is the client, can be confirmed, the transfer procedure unit 24 performs re-processing of the lump-sum transfer as post-processing 138. Specifically, the transfer procedure unit 24 automatically performs, as the post-process 138, a process of withdrawing from the client's withdrawal account, a batch transfer process, and a fee collection process. On the other hand, when a predetermined period has elapsed as a period for performing the payment confirmation, the output unit 25 outputs a reception slip 139 indicating that the confirmation has not been performed, and performs a response in cooperation with the branch office or the like.

  Next, the operation of the transfer management system of the present embodiment will be described. FIG. 3 is a flowchart illustrating an operation example of the transfer management system 100 of the present embodiment.

  When the error receiving unit 21 of the transfer management server 20 receives a withdrawal error from the accounting host computer (Step S11), the payment confirmation unit 22 confirms the payment of the withdrawal account (Step S12). Further, the output unit 25 outputs a form in which a list of non-transferable destinations is described (step S13). Further, the notification unit 23 notifies the client or the third party of the details of the received payment error (step S14).

  Thereafter, the payment confirmation unit 22 confirms the payment at a predetermined timing for the payment account in which the payment error has occurred (Step S15). When the payment is confirmed (Yes in step S16), the output unit 25 outputs a list of processing results indicating normality in a form (step S17). Then, the transfer procedure unit 24 reprocesses the collective transfer in which the payment error has occurred (Step S18). Specifically, the remittance procedure unit 24 performs a remittance process of the lump-sum transfer, a withdrawal process from the withdrawal account, a remittance process to the exchange destination, and a lump-sum transfer process.

  On the other hand, if the payment cannot be confirmed (No in step S16), the output unit 25 outputs a list of processing results indicating an error in a form (step S19). Here, if the predetermined period as the period for performing the payment confirmation has not elapsed (No in step S20), the processing from step S15 is repeated. On the other hand, if the predetermined period has elapsed (Yes in step S20), the payment confirmation unit 22 stops confirming the payment of the withdrawal account, and the output unit 25 returns the reception slip indicating that the payment could not be confirmed. Is output (step S21).

  FIG. 4 is a flowchart illustrating an operation example of the transfer management server 20 of the present embodiment. The error receiving unit 21 receives a withdrawal error due to insufficient balance of the withdrawal account generated in response to the transfer instruction (step S31). The payment confirmation unit 22 periodically performs the payment confirmation on the withdrawal account in which the withdrawal error has occurred until the necessary payment for the lump-sum transfer is made (step S32). Thereafter, the processing of step S32 is repeated until a payment is confirmed or a predetermined period elapses.

  As described above, in the present embodiment, the error receiving unit 21 receives the withdrawal error due to the shortage of the balance of the withdrawal account generated in response to the lump-sum transfer instruction, and the deposit confirmation unit 22 generates the withdrawal error. The payment is confirmed at the predetermined timing with respect to the withdrawal account. At that time, the payment confirmation unit 22 periodically repeats the payment confirmation for the withdrawal account in which the withdrawal error has occurred until the necessary payment for the lump-sum transfer is made. Therefore, even when the lump-sum transfer process is reserved due to insufficient balance or the like, it is possible to reduce the workload of the lump-sum lump-sum transfer process. For example, it is possible to suppress the trouble of the operator successively confirming the payment with respect to the withdrawal account in which the withdrawal error has occurred.

Embodiment 2. FIG.
Next, a second embodiment of the transfer management system according to the present invention will be described. In the first embodiment, a method has been described in which after the payment to the withdrawal account has been confirmed, the batch transfer in which a withdrawal error has occurred is reprocessed. On the other hand, depending on the client, even if the withdrawal account has insufficient balance, there is a case in which a lump-sum transfer is first performed by temporary lending by a financial institution, and then a deposit request is made.

  In the present embodiment, the operation of the transfer management system in the case where the lump-sum transfer processing is performed in advance even when a payment error has occurred will be described. The configuration of the transfer management system of the second embodiment is the same as that of the first embodiment. The transfer management system of the present embodiment is the same as the first embodiment except that the processing performed by the transfer procedure unit 24 is different.

  In this embodiment, the accounting host computer transmits to the transfer management server 20 a message indicating that the batch transfer has already been completed (hereinafter, referred to as a transfer completion message) together with a message indicating the payment error. I do. The error receiving unit 21 receives a transfer completion message together with a message indicating a payment error. The notifying unit 23 notifies the transfer requester or a third party notifying the transfer requester of the details of the received payment error. Further, the payment confirmation unit 22 confirms the payment at a predetermined timing with respect to the payment account in which the payment error has occurred. The output unit 25 outputs various forms as necessary.

  The transfer procedure unit 24 reprocesses the lump-sum transfer in which the withdrawal error has occurred when the payment to the withdrawal account can be confirmed. In the present embodiment, since the lump-sum transfer process has already been completed, the transfer procedure unit 24 performs the withdrawal process of the funds required for the transfer from the withdrawal account of the client, and the financial Perform payment processing to the designated account of the institution. The transfer procedure unit 24 may also perform a fee collection process. The designated account is determined in advance according to the financial institution.

  As described above, in the present embodiment, when the transfer processing unit 24 completes the transfer processing for the transfer instruction by the temporary loan, the transfer procedure unit 24 performs the payment processing to the designated account of the financial institution to which the temporary loan was made. I do. Therefore, even when a withdrawal error occurs due to insufficient balance or the like, it is possible to suppress delay in the transfer process.

  Next, modified examples of the first embodiment and the second embodiment will be described. Fees may be required for lump-sum transfer processing by financial institutions. For this reason, even if the funds required for the lump-sum transfer have been deposited in the withdrawal account, there is a case where the withdrawal account does not have the fee required by the financial institution. In this case, according to the policy of the financial institution, (1) if the funds including the commission are not deposited in the withdrawal account, do not make a lump-sum transfer and request a deposit, and (2) lump-sum transfer first And then requesting payment only for the fee portion later, there are two types.

  In the former case (1), the transfer management server 20 may perform the processing based on the method described in the first embodiment. In the latter case (2), the transfer management server 20 may perform the processing based on the method described in the second embodiment. In the latter case (2), the transfer management server 20 may perform the withdrawal process from the withdrawal account of the requester only for the fee.

  Next, the outline of the present invention will be described. FIG. 5 is a block diagram showing an outline of the transfer management system according to the present invention. The transfer management system 80 (for example, the transfer management system 100) according to the present invention includes a receiving unit 81 (for example, the error receiving unit 21) for receiving a withdrawal error due to a shortage of the balance of a withdrawal account generated in response to a lump-sum transfer instruction. And a payment confirmation unit 82 (for example, the payment confirmation unit 22) that performs payment confirmation at a predetermined timing for a payment account in which a payment error has occurred.

  The payment confirmation unit 82 periodically repeats the payment confirmation for the withdrawal account in which the withdrawal error has occurred until the necessary payment for the lump-sum transfer is made.

  With such a configuration, even when the lump-sum transfer process is reserved due to insufficient balance or the like, it is possible to reduce the workload related to the lump-sum lump-sum transfer process.

  In addition, the transfer management system 80 notifies the transfer requester (for example, a customer) or a third party (for example, a business office) that notifies the transfer requester of the details of the received payment error. (For example, the notification unit 23).

  In addition, the transfer management system 80 may include a transfer procedure unit (for example, the transfer procedure unit 24) that reprocesses the lump-sum transfer for a payment account for which payment has been confirmed. Then, when the transfer process for the transfer instruction has been completed by the temporary loan, the transfer procedure unit may perform a payment process to the designated account of the financial institution to which the temporary loan was made. With such a configuration, it is possible to suppress a delay in the transfer process even when a withdrawal error occurs due to insufficient balance or the like.

  Further, the payment confirmation unit 82 may perform the payment confirmation by transmitting a withdrawal message instructing withdrawal from the withdrawal account to the withdrawal account in which the withdrawal error has occurred. Alternatively, the payment confirmation unit 82 may perform the payment confirmation by transmitting an inquiry message for performing a balance inquiry to the payment account in which the payment error has occurred.

  In addition, the transfer management system 80 may include an output unit (for example, the output unit 25) that outputs a form relating to the lump-sum transfer. Then, the payment confirmation unit 82 stops the payment confirmation for the withdrawal account when a predetermined period has elapsed as the period for performing the payment confirmation, and the output unit outputs a form (for example, a form indicating that the payment confirmation could not be performed). , Receiving slip 139) may be output.

DESCRIPTION OF SYMBOLS 10 Storage part 20 Transfer management server 21 Error receiving part 22 Deposit confirmation part 23 Notification part 24 Transfer procedure part 25 Output part 100 Transfer management system

Claims (10)

A receiving unit for receiving a withdrawal error due to a shortage of the withdrawal account balance that occurred in response to the lump-sum transfer instruction;
For a withdrawal account in which the withdrawal error has occurred, a payment confirmation unit that performs payment confirmation at a predetermined timing,
The deposit management system according to claim 1, wherein the deposit confirmation unit periodically repeats the deposit confirmation for the withdrawal account in which the withdrawal error has occurred until the deposit necessary for the lump-sum transfer is made. The transfer management system according to claim 1, further comprising: a notifying unit that notifies the transfer requester or a third party that notifies the transfer requester of the details of the received payment error. We have a transfer procedure unit that reprocesses the bulk transfer for the withdrawal account for which payment was confirmed,
The transfer procedure unit performs a payment process to a designated account of the financial institution to which the temporary loan has been made when the transfer processing for the transfer instruction has been completed by the temporary loan. The transfer management system described. The payment confirmation unit performs payment confirmation by transmitting a withdrawal message instructing withdrawal from the withdrawal account to the withdrawal account in which the withdrawal error has occurred. The transfer management system according to claim 1. The transfer according to any one of claims 1 to 3, wherein the payment confirmation unit performs a payment confirmation by transmitting an inquiry message for performing a balance inquiry to the withdrawal account in which the withdrawal error has occurred. Management system. Equipped with an output unit that outputs a form related to batch transfer,
The payment confirmation unit stops the payment confirmation for the withdrawal account when a predetermined period has elapsed as a period for performing the payment confirmation,
The transfer management system according to any one of claims 1 to 5, wherein the output unit outputs a form indicating that payment cannot be confirmed. Received a withdrawal error due to insufficient balance of the withdrawal account that occurred for the bulk transfer instruction,
A payment management method, characterized in that a payment check is periodically repeated until a payment necessary for a lump-sum transfer is made to the withdrawal account in which the withdrawal error has occurred. 8. The transfer management method according to claim 7, wherein a content of the received withdrawal error is notified to a transfer requester or a third party who notifies the transfer requester. On the computer,
Receiving processing to receive a withdrawal error due to insufficient balance of the withdrawal account that occurred in response to the bulk transfer instruction, and
For the withdrawal account in which the withdrawal error has occurred, a payment confirmation process for confirming the payment at a predetermined timing is executed,
A transfer management program for periodically repeating the payment check for the withdrawal account in which the withdrawal error has occurred until the necessary deposit for the lump-sum transfer is made in the deposit confirmation processing. On the computer,
The transfer management program according to claim 9, wherein the transfer management program causes the transfer requester or a third party notifying the transfer requester to execute a notification process of notifying the details of the received payment error.

Images