JP5511909B2 - Account management system and method - Google Patents

Description

  The present invention relates to an account management system and method, and more particularly to an account management system and method for managing an account in connection with an electronically recorded bond.

  Conventionally, when a transfer process is performed at a financial institution, the transfer requester of the transfer can be presented to the recipient who has the account where the transfer was made, and it can be understood from which business partner the payment was made. It is like that.

  On the other hand, in recent years, instead of conventional paper bills, an electronic credit recording organization approved by the government manages the names of creditors and debtors, payment amounts, payment dates, etc. on a computer and transfers them like bills. Electronic record receivables that can be exchanged for cash were introduced.

  Since electronically recorded receivables manage information on a computer compared to conventional paper bills, they can be freely transferred like conventional bills while avoiding the risk of loss or theft associated with paper bills. You can also. Also, a technique has been proposed that enables payment processing to a credit account of a creditor by using settlement details data relating to an electronically recorded credit when an account receivable is settled between accounts (for example, Patent Document 1).

JP 2009-110125 A

  However, in the conventional transfer process using electronically recorded receivables, if the original debtor of the electronically recorded receivable as shown in Fig. 2 performs direct remittance, the original obligor will be the transfer client in the payee's account. As shown in Fig. 3, if the electronically recorded receivable is transferred once or more, as shown in Fig. 3, the original borrower is presented as the transfer requester, not the direct business partner of the recipient, There is a problem that it is difficult to grasp from which the deposit is made.

  The present invention has been made in view of such problems, and when a customer becomes a creditor of an electronically recorded receivable and the account has been deposited, the deposit is transferred from the transferor who has transferred the electronically recorded receivable. To provide an account management system and method that enables the recipient to know that the transferor is the final transfer client even if the initial debtor is recorded as the transfer client. Objective.

In order to achieve such an object, the invention described in claim 1 is an account management system for receiving a deposit instruction for a predetermined account having record number information transmitted based on an electronic record receivable. When the instruction receiving unit and the deposit instruction receiving unit receive a deposit instruction for a predetermined account, when an inquiry is made to the management server that manages the electronic record receivable based on the record number information, and it is determined that the deposit by the deposit instruction is possible Is a deposit processing means for depositing into a predetermined account based on the deposit instruction, the debtor of the electronically recorded receivable associated with the record number information, and the account number dedicated for transfer associated with the obligor but it is stored as the information of the predetermined account, and payment processing means when the payment for a given account is performed by a payment processing unit, predetermined account As account information, characterized by comprising a payment information output means for outputting that there was a payment by transfer requester said a debtor electronic records receivables.

Invention according to claim 2, in the account management system of claim 1, wherein the transfer-only account number, with cord to the predetermined account is information for identifying the debtor, the account The management system specifies, in advance, the predetermined account as a deposit destination according to the deposit instruction by associating the record number information, the debtor of the electronic record receivable associated with the record number information, and the account number dedicated to the transfer When the deposit processing means receives a deposit instruction for the predetermined account, the deposit processing means is dedicated to the debtor and the bank transfer associated with the record number information included in the deposit instruction by the association table. An account number is stored as information on the predetermined account, and depositing is performed on the predetermined account .

According to a third aspect of the present invention, in the account management system according to the first or second aspect , the deposit processing means is executed on the due date managed by the management server.

The invention according to claim 4 is the account management system according to claim 1, wherein when the electronic record receivable is transferred from the original creditor to another, the transfer person of the electronic record receivable is acquired from the management server. In this case, the transfer requester to be output is replaced with a transferor.

The invention according to claim 5 is the account management system according to claim 4 , wherein the deposit information output means receives the deposit as the transfer requester of the original debtor of the electronic record receivable as the account information of the predetermined account. Record what happened in the database, and if the electronically recorded receivable is transferred from the original creditor to another, acquire the transferor of the electronically recorded receivable from the management server and rewrite the transfer requester of the database to the transferor It is characterized by that.

The invention described in claim 6 is the account management system according to claim 4 , wherein the deposit information output means receives the deposit as the transfer requester of the original debtor of the electronically recorded loan as the account information of the predetermined account. The transfer requester who obtains and transmits the transferor of the electronically recorded receivable from the management server when the electronically recorded receivable has been transferred from the original creditor to others. Is replaced with a transferor.

The invention according to claim 7 is an account management method, wherein a deposit instruction receiving step for receiving a deposit instruction for a predetermined account having record number information, which is transmitted based on an electronically recorded bond, and a deposit instruction receiving step When receiving a deposit instruction for a predetermined account, an inquiry is made to the management server that manages the electronically recorded receivables based on the record number information, and if it is determined that deposit can be made by the deposit instruction, the predetermined account is based on the deposit instruction. A deposit processing step for performing deposit , wherein the debtor of the electronically recorded receivable associated with the record number information and the account number dedicated for transfer associated with the debtor are stored as information of the predetermined account. that the steps, when the payment for a given account is executed in deposit process step, transfer a debtor of the electronic recording receivables Characterized by comprising a payment information output step of outputting that there has been credited by Yoriyukihito.

Invention according to claim 8, in the account management method according to claim 7, wherein the transfer-only account number, with cord to the predetermined account is information for identifying the debtor, the payment processing step, upon receiving the payment instruction with respect to the given account, the said predetermined account to be credited destination of the payment instruction, the debtor of electronic records receivable associated with the record number information and the recording number information to be The obligor and the transfer-dedicated account number associated with the record number information included in the deposit instruction are stored as information on the predetermined account by a linking table that is associated with the transfer-dedicated account number in advance and specified. It is characterized by performing the deposit to the account .

The invention described in claim 9 is the account management method according to claim 7 or 8 , wherein the deposit processing step is executed on the due date managed by the management server.

The invention according to claim 10 is the account management method according to claim 7 , wherein when the electronic record receivable is transferred from the original creditor to another, the transfer person of the electronic record receivable is acquired from the management server. In this case, the transfer requester to be output is replaced with a transferor.

The invention according to claim 11 is the account management method according to claim 10 , wherein the deposit information output step is performed by using the initial debtor of the electronically recorded loan as the transfer requester as the account information of the predetermined account. Record what happened in the database, and if the electronically recorded receivable is transferred from the original creditor to another, acquire the transferor of the electronically recorded receivable from the management server and rewrite the transfer requester of the database to the transferor It is characterized by that.

The invention described in claim 12 is the account management method according to claim 10 , wherein the deposit information output step includes depositing with the original debtor of the electronically recorded loan as the transfer requester as the account information of the predetermined account. The transfer requester who obtains and transmits the transferor of the electronically recorded receivable from the management server when the electronically recorded receivable has been transferred from the original creditor to others. Is replaced with a transferor.

The invention according to claim 13 is a program for causing a computer to execute an account management method, wherein the method receives a deposit instruction for a predetermined account having record number information transmitted based on an electronic record bond. When receiving a deposit instruction for a predetermined account in the instruction receiving step and the deposit instruction receiving step, an inquiry is made to the management server that manages the electronic record receivable based on the record number information, and it is determined that the deposit by the deposit instruction is possible Is a deposit processing step of executing deposit based on a deposit instruction to a predetermined account , wherein the debtor of the electronic record receivable associated with the record number information, and the account number dedicated for transfer related to the debtor is stored as the information of the predetermined account, and step, the payment for a given account in the deposit process step Once the row, characterized in that a payment information output step of outputting that there has been credited by the transfer requester is a debtor electronic records receivables.

  As described above, according to the present invention, the deposit instruction receiving means for receiving the deposit instruction for the predetermined account having the record number information transmitted based on the electronic record receivable, and the deposit instruction receiving means for the predetermined account. Upon receipt of the deposit instruction, an inquiry is made to the management server that manages the electronic record receivable based on the record number information, and when it is determined that deposit by the deposit instruction is possible, the deposit is made to a predetermined account based on the deposit instruction. And deposit information output means for outputting that the deposit requester has received the deposit as the account information of the predetermined account when depositing to the predetermined account is performed by the deposit processing unit. Therefore, if a customer becomes a creditor of an electronic record receivable and there is a deposit in the account, the deposit is from the transferor who transferred the electronic record receivable. Case, be recorded is the original debtor as the transfer requester, recipient that the transferor is the final transfer request people it is possible to grasp.

It is a block diagram which shows the whole system of this embodiment. It is a figure which shows the typical example of this embodiment. It is a figure which shows the typical example of this embodiment. It is a figure which shows the table which matches the transfer requester and transfer account of this embodiment. It is a figure which shows the flow of the whole process of this embodiment. It is a flowchart of the transfer process of this embodiment. It is a figure which shows the table which links | relates the electronic record receivable and transfer account of this embodiment. It is a flowchart of the transfer process of this embodiment.

  Hereinafter, an embodiment of the present invention will be described in detail with reference to the drawings.

[First Embodiment]
FIG. 1 is a block diagram showing the entire system of this embodiment. Referring to FIG. 1, a customer terminal (not shown) is connected to a server or the like via a network such as the Internet, and the customer receives various services provided by the system through the customer terminal. Specific examples include, but are not limited to, normal information provision, account-related processing such as remittance instructions, management of electronic record receivables, business processing requests, and the like.

  In the present embodiment, the exchange processing system 102 receives requests from the customer terminal via the network for various processes related to the customer's account that has been accessed mainly through the customer terminal. The related processing is executed while accessing various databases via Zengin-Net, and the processing results and necessary information are transmitted to the customer terminal. Details of these databases and networks can be understood by those skilled in the art. Therefore, only the scope necessary for the description of the present embodiment is mentioned here. In the present embodiment, the Densai net 111 is connected via the Densai net linkage system 103.

  Further, the exchange processing server 102 instructs the account server 104 to perform account related processing. At that time, information related to the customer requesting the processing in the linking table 106 and the contract master 105 is obtained and used when executing the exchange processing. These databases, data managed in the database, and Details of the processing can be understood by those skilled in the art, and will be omitted here except for the details of linking described later. As described above, in the present embodiment, conventional cash management is performed for customer accounts in association with electronic record receivables.

  The customer terminal and various servers of the present embodiment are ordinary computers provided with a processor, a memory, etc., in addition to a function for connecting to a network, a storage device, a display device such as an LCD, if necessary, Alternatively, input devices such as a keyboard and a mouse are provided, but the present invention is not limited thereto, and various hardware known in the technical field can be built in or connected. In addition, an OS and various drivers or applications are installed in the customer terminals and various servers as described above, and various processes described later in the present embodiment are executed as a whole.

(Process of this embodiment)
Next, referring to FIG. 2 and FIG. 3, the exchange process of the present embodiment, specifically, the transfer process when the financial institution requests the remittance S from the customer A to the payee S by the electronic record receivable This will be outlined and then described in detail with reference to FIGS.

  The processing of the present embodiment will be described with reference to FIG. 2. In the conventional system, remittance is made to the payee S using electronically recorded receivables generated by the business partner A using the Densai Net inter-account remittance settlement. In this case, since the record number of the electronically recorded receivable is set in the EDI information column shown in FIG. 2 and the information of the business partner A is set in the transfer requester name column, the recipient S is the transfer requester name column where the remittance is from. It can only be specified by so-called “erasing”. In the present embodiment, by a specific process as will be described later, the transfer requester code is set in advance with the account information dedicated to the transfer, which is associated with the transaction number and the record number of the target electronic record receivable. The person S can recognize where the remittance is from, or which electronic record receivable is used, and can easily perform the application operation.

  Here, in this embodiment, the recipient S is informed of the source of remittance by using an account dedicated for transfer, but this account dedicated for transfer is a single account including a plurality of accounts (hereinafter referred to as related accounts). Recipients can be identified by the related account information in relation to the transfer person and the transfer occurrence event, and if the transfer is made, the transfer is made by assigning to the related account in some way. Can recognize from the related account information transferred, how the remittance is related. In this embodiment, since only such an account for transfer is used, the details of the technology itself will not be described, but specific processing and management are all known in this technical field. Can be used. In addition, the method of the present embodiment is known in the technical field, such as acquiring information on a business partner or information on an electronic record loan from a remittance record and notifying the recipient separately without using a dedicated account for transfer. Can be implemented by other techniques, and other techniques can also be used.

  Further, as shown in FIG. 3, when the payee S has received the transfer of the electronic record receivable generated by another business partner X, when the business partner X is notified, the payee S will be the original remittance source. Therefore, it is necessary to be able to notify the customer A who is the transferor with reference to the database of electronic record receivables.

  The processing of this embodiment will be described with reference to FIGS. In the present embodiment, the account dedicated for transfer is associated with the customer A who is the debtor of the electronic record receivable, that is, the transfer requester. Therefore, basically, when remittance is made using Densai Net's inter-account remittance settlement, the information will be transferred with different payee-dedicated account information for each obligor. If they are the same, electronically recorded receivables generated for different reasons will be transferred with the same information on the same account for transfer. As a result, the payee can recognize from which business partner the payment is made by confirming which bank account is to be transferred.

  There are various methods for associating the payee-dedicated account with the debtor and can be implemented by any of the methods known in this technical field. In this embodiment, a linking table as shown in FIG. 4 is prepared in advance. When the remittance is executed, the transfer number is executed with reference to the transfer-dedicated account with reference to the association table of FIG. 4 using the record number set in the EDI information field as a key. As a result, the payee can specify the remittance source from the bank account dedicated to the transfer, which has been transferred.

  Further, the processing of the present embodiment will be specifically described with reference to the flowchart of FIG. 6. As a premise of the present embodiment, the recipient S uses a densai net inter-account remittance settlement. We will conclude a bank transfer dedicated account contract. When this contract is concluded, the contract master 105 is generated, and based on this database, first, one of the accounts dedicated for transfer is assigned to the customer A who is the debtor (S601). This assignment can be made by any technique known in the art. For example, the assignments may be made in the order in which the contracts are concluded, or the assignments may be made within a certain range according to some type such as the obligor's business type. Next, an inquiry is made to the Densai Net to acquire the name of the debtor and set it in the linking table 106 (S602).

  Next, when the electronic record receivable of the business partner A is generated, the debtor of the generated electronic record receivable is searched with reference to the association table 106, and when there is a corresponding obligor, the association table 106 is further updated. The recording number is set in association with the debtor (S603). Thus, the linking table of this embodiment shown in FIG. 4 is completed. In the linking table of FIG. 4, only one record number is linked to each obligor, that is, each transfer-dedicated account. However, in this embodiment, the transfer-dedicated account and the obligor are associated one-to-one. Therefore, in practice, a plurality of record numbers may be associated with each account for transfer.

  In this way, when a transfer instruction is received in a state where the linking table 106 is generated based on the contract master 105, first, the contract master account 105 is referred to and the Densai transfer-dedicated account contract of this embodiment is concluded. It is determined whether or not the remittance is to a business partner (S604). When it is confirmed that the remittance is made by the business partner A, the linked table 106 is searched using the record number of the electronically recorded receivable set in the transfer instruction as a key, and the linked transfer dedicated account is identified and transferred. Processing is executed (S605). When the remittance is executed, the name of the debtor may be searched and displayed using the account dedicated for transfer. Here, the details of the transfer processing by transfer between accounts on Densai Net are omitted, but in reality, the processing with Densai Net related to the designated electronic record receivables and the exchange related to the dedicated account for transfer The processing of the system 102, the account system 104, etc. is executed appropriately, and the deposit is executed with the information of the account dedicated to the transfer associated with the debtor of the electronic record receivable with the record number designated by the remittance. . In general, such a deposit process can be executed on the due date specified in the electronic record receivable.

  As described above, in the present embodiment, when there is a remittance instruction, it is credited with information on a dedicated account for transfer associated with the debtor of the electronically recorded receivable of the record number designated by remittance. The recipient can identify which business partner has sent the money and facilitate the application process. Moreover, no matter who the initial debtor is, the debt can be specified by the record number of the electronically recorded receivable, and it will not be difficult to perform the retirement process, including those that have been transferred.

[Second Embodiment]
In the first embodiment described above, an electronically recorded credit debtor with a record number designated by remittance is linked to a bank account dedicated for transfer, and from which business partner the remittance is specified, , Tie the dedicated account for transfer to the record number of the electronic record receivable specified by remittance. That is, although different from the first embodiment in that a dedicated account for transfer is assigned to each electronically recorded bond, the same system configuration, block configuration, and the like can be used.

  The processing of this embodiment will be described with reference to FIGS. FIG. 7 is a linking table used in the present embodiment, which is different from the linking table shown in FIG. 4 of the first embodiment in that a bank account dedicated for transfer is linked to a record number of an electronically recorded bond. That is, as can be understood with reference to FIG. 7, each transfer-dedicated account is associated with only a record number, and in the association table of the first embodiment, each transfer-dedicated account has a plurality of record numbers. Although there is a possibility of being assigned, in the linking table of the present embodiment, the account dedicated for transfer and the recording number are linked on a one-to-one basis.

  In this embodiment as well, as in the first embodiment, it is assumed that the recipient S concludes a dedicated account transfer account for the transfer of Densai in order to use the account transfer on the Densai Net. When this contract is concluded, a contract master 105 is generated. This generation can be performed by any method known in the art. For example, assignments may be made in the order in which contracts are concluded, or assignments may be made in a unit that matches some type, such as the obligor's business type.

  Next, when an electronic record receivable with the recipient S as the recipient is generated, the record number of the generated electronic record receivable is set in association with the transfer-dedicated account generated in the association table 106 (S802). Thus, the linking table of this embodiment shown in FIG. 7 is created. As can be understood by referring to the association table in FIG. 7, only one record number can be associated with each account for transfer.

  In this way, when a transfer instruction is received in a state where the linking table 106 is generated based on the contract master 105, first, the contract master account 105 is referred to and the Densai transfer-dedicated account contract of this embodiment is concluded. It is determined whether the remittance is to the recipient (S803). If it is confirmed that the remittance is to the payee S, the linked table 106 is searched using the record number of the electronically recorded receivable set in the transfer instruction as a key, and the linked transfer-dedicated account is specified. Then, the transfer process is executed (S804). When the remittance is executed, the record number can be searched using the account for exclusive use of the transfer as a key, and the electronic receivable based on which electronic receivable can be displayed can be displayed. Here, the details of the transfer processing by transfer between accounts on Densai Net are omitted, but in reality, the processing with Densai Net related to the designated electronic record receivables and the exchange related to the dedicated account for transfer Processes such as the system 102 and the account system 104 are appropriately executed, and payment is performed with information on a dedicated account for transfer associated with a record number designated by remittance. In general, such a deposit process can be executed on the due date specified in the electronic record receivable.

  As described above, according to the present embodiment, when a remittance instruction is given, the deposit is made to the account dedicated for transfer associated with the record number designated by the remittance. It is possible to make the erase process easier by specifying whether or not it has been received. In addition, no matter who the initial debtor is, the debt can be specified by the record number of the electronic record receivable, and even if it is transferred, the revocation process will not be difficult.

Claims (13)

A deposit instruction receiving means for receiving a deposit instruction for a predetermined account having the record number information transmitted based on the electronic record receivable;
When a deposit instruction for the predetermined account is received by the deposit instruction receiving means, an inquiry is made to a management server that manages the electronic record receivable based on the record number information, and it is determined that the deposit by the deposit instruction is possible Is a deposit processing means for executing the deposit based on the deposit instruction to the predetermined account , and is a debtor of an electronically recorded receivable associated with the record number information, and dedicated for a transfer associated with the obligor A deposit processing means in which an account number is stored as information of the predetermined account ;
A deposit information output unit that outputs that the deposit requester, who is a debtor of the electronically recorded receivable , has received a deposit when depositing to the predetermined account is executed by the deposit processing unit; Account management system. Wherein the transfer-only account number, with cord to the predetermined account is information for identifying the debtor,
The account management system associates, in advance, the record number information, a debtor of an electronic record receivable associated with the record number information, and the account number dedicated to the transfer , with respect to the predetermined account as a deposit destination according to the deposit instruction. It further has a pegging table to identify,
When the deposit processing means receives the deposit instruction for the predetermined account, the debtor and the payee-dedicated account number associated with the record number information included in the deposit instruction by the association table are stored in the predetermined account. The account management system according to claim 1, wherein the information is stored as information and the deposit is executed to a predetermined account . The account management system according to claim 1 , wherein the account management system is executed on a due date managed by a management server.   When the electronic record receivable is transferred from the original creditor to another, the transfer requester who obtains and outputs the transferor of the electronic record receivable from the management server is replaced with the transferor. The account management system according to claim 1. The deposit information output means records in the database that there was a deposit with the original debtor of the electronically recorded receivable as the transfer requester as the account information of the predetermined account,
When the electronic record receivable is transferred from the original creditor to others, the transfer person of the electronic record receivable is acquired from the management server and the transfer requester of the database is rewritten to the transferor. The account management system according to claim 4 . The deposit information output means transmits, as account information of the predetermined account, to the owner of the predetermined account that there was a deposit with the initial debtor of the electronic record receivable as a transfer requester,
When the electronic record receivable is transferred from the original creditor to the other, the transfer requester who obtains the transfer person of the electronic record receivable from the management server and transmits it is replaced with the transferor. The account management system according to claim 4 . A deposit instruction receiving step for receiving a deposit instruction for a predetermined account having the record number information transmitted based on the electronically recorded bond;
When a deposit instruction for the predetermined account is received in the deposit instruction receiving step, an inquiry is made to a management server that manages the electronic record receivable based on the record number information, and it is determined that deposit according to the deposit instruction is possible Is a deposit processing step of executing the deposit based on the deposit instruction to the predetermined account , and is a debtor of an electronically recorded receivable associated with the record number information, and a dedicated for transfer associated with the obligor An account number is stored as information of the predetermined account ;
A deposit information output step for outputting that the deposit was made by a transfer requester who is a debtor of the electronically recorded claim when depositing to the predetermined account is performed in the deposit processing step. Account management method. Wherein the transfer-only account number, with cord to the predetermined account is information for identifying the debtor,
In the deposit processing step, when receiving a deposit instruction for the predetermined account, the predetermined account as a deposit destination by the deposit instruction is changed to the record number information and the debtor of the electronic record receivable associated with the record number information. The obligor associated with the record number information included in the deposit instruction and the deposit dedicated account number are stored as information on the predetermined account by an association table that associates and specifies the dedicated account number for the transfer in advance. The account management method according to claim 7 , wherein depositing is executed to a predetermined account . 9. The account management method according to claim 7 , wherein the deposit processing step is executed on a payment date managed by a management server. When the electronic record receivable is transferred from the original creditor to another, the transfer requester who obtains and outputs the transfer person of the electronic record receivable from the management server is replaced with the transferor. The account management method according to claim 7 . The deposit information output step records, as account information of the predetermined account, in the database that there was a deposit with the initial debtor of the electronically recorded receivable as a transfer requester,
When the electronic record receivable is transferred from the original creditor to others, the transfer person of the electronic record receivable is acquired from the management server and the transfer requester of the database is rewritten to the transferor. The account management method according to claim 10 . The deposit information output step transmits, as account information of the predetermined account, to the owner of the predetermined account that there was a deposit with the initial debtor of the electronically recorded receivable as a transfer requester,
When the electronic record receivable is transferred from the original creditor to the other, the transfer requester who obtains the transfer person of the electronic record receivable from the management server and transmits it is replaced with the transferor. The account management method according to claim 10 . A program for causing a computer to execute an account management method, the method comprising:
A deposit instruction receiving step for receiving a deposit instruction for a predetermined account having the record number information transmitted based on the electronically recorded bond;
When a deposit instruction for the predetermined account is received in the deposit instruction receiving step, an inquiry is made to a management server that manages the electronic record receivable based on the record number information, and it is determined that deposit according to the deposit instruction is possible Is a deposit processing step of executing the deposit based on the deposit instruction to the predetermined account , and is a debtor of an electronically recorded receivable associated with the record number information, and a dedicated for transfer associated with the obligor An account number is stored as information of the predetermined account ;
A deposit information output step for outputting that the deposit was made by a transfer requester who is a debtor of the electronically recorded claim when depositing to the predetermined account is performed in the deposit processing step. Program to do.

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