JP5514995B1 - Direct debit system - Google Patents

Abstract

[PROBLEMS] To provide an account transfer system that is useful for strengthening checks and preventing mistakes by differentiating the person who registers data and the person who performs approval and withdrawal requests when implementing account transfer without constructing a system in the storage company. .
When an account transfer person inputs account transfer data with an input device 10 and an upper person in charge approves the contents, the approved account transfer data is transmitted to the transfer approval device 20. The transfer approval device 20 checks the received data and transmits it to the financial institution device 30. The financial institution apparatus 30 performs account transfer and transmits the account transfer completed data to the transfer approval apparatus 20. After being transmitted to the transfer approval device 20, the data on which the account transfer has been performed is transmitted to the input device 10, and the result of the account transfer can be confirmed on the display of the personal computer.
[Selection] Figure 1

Description

  The present invention relates to an account transfer system in which different persons in charge can register and approve account transfer data.

There is a real-time account transfer service system that makes immediate payments by bank storage companies.
There are many storage companies that encourage account transfers because account transfers require less time and effort for storage companies than invoice payments or visit collections. In addition, account transfer has the advantage of being able to collect funds automatically and safely from customers every month.
The real-time account transfer service is a service that can immediately realize the transfer process and the result of the transfer process, which took several days in the conventional account transfer, while retaining the advantages of the account transfer.

On the other hand, Patent Document 1 discloses an account transfer system that enables an application for account transfer by a simple procedure while suppressing development man-hours in a system of a storage company.
In the invention described in Patent Document 1, only a minor function addition for receiving and registering account transfer information via a network needs to be performed in the storage company's corporate system, and the burden on the storage company is relatively small. . However, the invention relates to registration of account transfer and is not a system that handles account transfer itself. In addition, the end user himself / herself registers the account transfer, and a so-called input person and responsible person are the same person. Furthermore, there is a system that collects and transfers the money transferred from the customer's account to the designated account of the storage company, but this is only done once a month.

JP 2009-129097 A

Conventionally, in order to introduce a real-time account transfer service system, it has been necessary for a storage company to construct a system and connect to a financial institution. Therefore, the storage company has incurred costs such as initial investment for system construction, a construction period until the start of use, labor and maintenance costs after the start of use.
On the other hand, depending on the storage company, the account transfer staff registers and confirms the details of the customer's transfer request, and the senior manager approves the transfer request and performs a withdrawal request for the account transfer from the customer. Exists for business purposes.

  The present invention has been made in view of the above circumstances, and it is not necessary to construct a system for account transfer on the storage company side, and in carrying out the account transfer of the storage company, the person who registers the data and approval, It is an object of the present invention to provide a real-time account transfer system that can strengthen checks and help prevent mistakes by making different withdrawal requests.

  In order to solve the above problems, the present invention is an account transfer system in which an input device of a storage company, a transfer approval device that approves account transfer, and a financial institution device that performs account transfer are connected via a network. The input device transfers the account transfer data, the screen for approving the account transfer approval data, the display unit for displaying the account transfer result, and the account transfer data received from the input unit. An account transfer data input function to be transmitted to the approval device, and an account transfer approval function to transmit the approved account transfer data input from the input unit to the transfer approval device, and the transfer approval device includes: A storage unit for storing the account transfer data and the approved account transfer data transmitted from the input device, and storing customer and account identification information; Based on the customer and account identification information, a customer confirmation function for confirming customer information and account information of the account transfer data, a transfer amount processing function for confirming a transfer amount of the account transfer data, and a transfer history table Customer registration and account information of the account transfer data, a history registration function for accumulating the account transfer approval data including the transfer amount, and for the account transfer approval data stored in the transfer history table A control unit having a transfer approval accepting function for performing approval and transmitting approved account transfer data to the financial institution device, and a history updating function for storing the account transfer completed data transmitted from the financial institution device in the transfer history table; The financial institution apparatus includes the approved account transfer data transmitted by the transfer approval apparatus and identification information of the account transfer data. A storage unit for storing, a contract confirmation function for confirming the contents of the approved account transfer data by the identification information of the account transfer data stored in the storage unit, and the approved account transfer data for which the contents have been confirmed. An account transfer system comprising: a control unit having a transfer execution function of performing account transfer based on the account transfer and transmitting the account transfer completed data to the transfer approval device.

  Further, the present invention is characterized in that the account transfer data includes a customer ID and a transfer amount.

  The approved account transfer data includes a customer ID, a transfer amount, transfer person information, and transfer approver information.

  That is, according to the account transfer system of the present invention, it is not necessary to construct a system for account transfer on the storage company side because ASP is used. By making the withdrawal request different, the check is strengthened and can help prevent mistakes.

  In the present invention, since the account transfer data includes a customer ID and a transfer amount, a matching process can be performed using a master such as a customer master and a customer ID as a key. Therefore, it is possible to confirm customer information, account information, etc. of the account transfer data. Furthermore, the only items that the account transfer person must enter are the customer ID and the transfer amount. Therefore, since it is not necessary to input personal information such as a customer name on the keyboard, for example, there is an effect of preventing spyware by a key logger that records an input signal of the keyboard, and the security is protected.

  In the present invention, since the approved account transfer data includes a customer ID, transfer amount, transfer person information, and transfer approver information, matching processing is performed using a master such as a bank transfer master and an account number as a key. be able to. Therefore, it is possible to check the account information of the approved account transfer data.

It is a figure which shows the structure of the account transfer system of this invention. It is a block diagram which shows the structure of the account transfer system of this invention. It is a figure which shows the function of the control part of the input device of this invention. It is a figure which shows the function of the control part of the transfer approval apparatus of this invention. It is a figure which shows the function of the control part of the financial institution apparatus of this invention. It is a screen figure for demonstrating the account transfer data input function of the control part of the input device of this invention. It is a screen figure for demonstrating the account transfer data input function of the control part of the input device of this invention. It is a screen figure for demonstrating the transfer amount processing function of the control part of the transfer approval apparatus of this invention. It is a screen figure for demonstrating the account transfer data input function of the control part of the input device of this invention, and the log | history registration function of the control part of a transfer approval apparatus. It is a screen figure for demonstrating the account transfer approval input function of the control part of the input device of this invention, and the transfer approval reception function of the control part of a transfer approval apparatus. It is a screen figure for demonstrating the account transfer approval input function of the control part of the input device of this invention, and the transfer approval reception function and log | history update function of the control part of a transfer approval apparatus. It is a screen figure for demonstrating the account transfer approval input function of the control part of the input device of this invention, and the transfer approval reception function of the control part of a transfer approval apparatus. It is a screen figure for demonstrating the transfer approval reception function of the control part of the transfer approval apparatus of this invention. It is a screen figure for demonstrating the log | history update function of the control part of the transfer approval apparatus of this invention. It is a flowchart for demonstrating the customer confirmation function of the control part of the transfer approval apparatus of this invention. It is a flowchart for demonstrating the transfer amount processing function of the control part of the transfer approval apparatus of this invention. It is a flowchart for demonstrating the log | history registration function of the control part of the transfer approval apparatus of this invention. It is a flowchart for demonstrating the transfer approval reception function of the control part of the transfer approval apparatus of this invention.

  Embodiments of the present invention will be described below with reference to the drawings.

FIG. 1 is a diagram showing an outline of an account transfer system according to an embodiment of the present invention.
In the input device 10, for example, when data related to an account transfer request is input from the WEB screen of a personal computer of a storage company, the data is transmitted to the transfer approval device 20 that is an ASP through an Internet network using SSL. In the present invention, as shown at 10a, first, the account transfer person inputs account transfer data such as customer ID and transfer amount from the account transfer person screen on the WEB screen. After that, as shown in 10b, the senior manager confirms the contents of the account transfer approval data to which the customer information, account information and transfer amount are given on the screen for the senior manager, and approves the account transfer after confirmation Etc., the approved account transfer data is transmitted to the transfer approval device 20. When the transfer approval device 20 receives the approved account transfer data from the input device 10, it transmits it to the financial institution device 30. The financial institution apparatus 30 that has received the data performs the account transfer, and transmits the account transfer completed data, which is the data for which the account transfer has been performed, to the transfer approval apparatus 20. After the account transfer completed data is transmitted to the transfer approval device 20, it is transmitted to the input device 10, and the result of the account transfer can be confirmed on the display of the personal computer.

FIG. 2 is a diagram showing the configuration of the account transfer system according to the embodiment of the present invention.
The input device 10 includes a communication unit 11, a control unit 12, a display unit 13, and an input unit 14. The communication unit 11 transmits and receives information via a network including the Internet and VPN. The control unit 12 performs control such as transmission of information and display of received information on the display unit 13. The display unit 13 indicates a display screen such as a personal computer display. The input unit 14 indicates input means such as a keyboard of a personal computer. With the input device 10, for example, the account transfer manager of the storage company and the senior manager can input and approve data to be transferred from the personal computer based on the display on the display, respectively. The account transfer data is transmitted to the transfer approval device 20 through the Internet.

  The transfer approval device 20 includes a communication unit 21, a control unit 22, a screen control unit 23, a storage unit 24, a customer master 25, an account master 26, and a transfer history table 27. The communication unit 21 transmits and receives information via a network such as the Internet. The control unit 22 controls output / reception of information to / from the storage unit 24 and input / output of information to / from other devices. The screen control unit 23 transmits screen data to the input device 10. The storage unit 24 stores received account transfer data, information related to approved account transfer data, information such as a master, and the like. The customer master 25 describes customer information such as a customer ID, a customer name, and the last update date and time. In the account master 26, transfer account information such as a branch number, a subject, and an account number is described. In the transfer history table 27, information relating to account transfer such as a customer ID, transfer amount, bank code, branch number, and account number is described. The transfer approval device 20 confirms the customer information and the account information for the account transfer data input by the person in charge of transfer, and the approved account transfer data approved by the senior manager is transmitted to the financial institution device 30. On the other hand, the contents of the transfer history table 27 are updated based on the account transfer completed data transmitted from the financial institution apparatus 30 and received by the transfer approval apparatus 20.

  The financial institution apparatus 30 includes a communication unit 31, a control unit 32, a storage unit 33, and an oral oscillation master 34. The communication unit 31 transmits and receives information via a network such as the Internet. The control unit 32 controls the output and reception of information to the storage unit 33 and the input / output of information to other devices. The storage unit 33 stores information related to the received approved account transfer data and information of the bank transfer master 34. The diversion master 34 describes information related to a bank account transfer request contract such as an account number. The financial institution apparatus 30 performs a withdrawal process from the account based on the approved account transfer data.

  FIG. 3 describes the functions of the control unit 12 of the input device 10. Here, a description will be given with reference to the screen diagrams of FIGS.

  The control unit 12 of the input device 10 implements an account transfer data input function 12a and an account transfer approval input function 12b. In the account transfer data input function 12 a, first, the data of the “account transfer customer selection screen” of FIG. 6 is transmitted to the input device 10 by the screen control unit 23 based on the control of the control unit 22 and displayed on the display unit 13. From the “account transfer customer selection screen” in FIG. 6, the account transfer person enters the customer ID of the customer who wants to perform the account transfer. When the selection button is clicked, the data of the customer ID is transmitted to the transfer approval device 20 by the control unit 22. The transmitted data is added with a customer name, an account number, and the like by the transfer approval device 20 (described later), and the data of the “account transfer transfer amount input screen” in FIG. Is transmitted to the input device 10 and displayed on the display unit 13. In this screen, the person in charge of account transfer inputs the transfer amount. When the person in charge of the account transfer confirms the contents of the account transfer data shown on the “account transfer transfer amount input screen” in FIG. 7, the data content is transmitted to the transfer approval device 20 by the control unit 22 when the confirmation button is clicked. The In the transmitted data, the transfer approval device 20 checks a transfer amount input item (described later). The checked data is transmitted from the transfer approval device 20 to the input device 10 by the screen control unit 23 based on the control of the control unit 22, and the “account transfer transfer amount confirmation screen” of FIG. 8 is displayed. When the person in charge of account transfer confirms the transfer amount and clicks the approval request button after confirmation, the data content displayed in the “account transfer transfer amount confirmation screen” in FIG. 8 is transmitted to the transfer approval device 20 by the control unit 22. The The transmitted data is accumulated in the transfer history table 27 by the transfer approval device 20 (described later), and the data of the “account transfer approval request completion screen” in FIG. 9 is input by the screen control unit 23 based on the control of the control unit 22. 10, and the “account transfer approval request completion screen” of FIG. 9 is displayed on the display unit 13. On this screen, customer ID, customer name, transfer account information (financial institution name, financial institution code, branch code, account code, account number), transfer amount, and approval request items are displayed. As described above, the input of the account transfer data of the account transfer person in charge and the approval request for the account transfer are completed.

  On the other hand, in the account transfer approval input function 12 b, first, the data of the “transfer approval history search condition input screen” of FIG. 10 is transmitted to the input device 10 by the screen control unit 23 based on the control of the control unit 22 and displayed on the display unit 13. Is done. Then, in the “transfer approval history search condition input screen” in FIG. 10, the senior manager inputs items such as the customer ID of the customer who wants to approve the account transfer. When the search button of the “transfer approval history search condition input screen” in FIG. 10 is clicked, the data is transmitted to the transfer approval device 20 by the control unit 22. Data such as the customer ID received by the transfer approval device 20 is added with account transfer request information such as transfer amount, transfer person name, and approval status (described later), and the data of the “transfer approval history list screen” in FIG. Is transmitted to the input device 10 by the screen controller 23 based on the control of the controller 22. When the detailed display button of the data whose approval status is “waiting for approval” in the “transfer approval history list screen” of FIG. 11 is clicked, the screen control unit 23 controls the “transfer approval history” of FIG. The data of “detail screen” is transmitted to the input device 10. In the “transfer approval history detail screen” of FIG. 12, customer ID, customer name, transfer account information (financial institution name, financial institution code, branch code, item code, account number), transfer person information (transfer person) ID, transfer person in charge), transfer approver information (transfer approver ID, transfer approver name), approval status, transfer request information such as transfer amount, and details of customer transfer request contents such as the reason for approval by senior manager Is displayed. After confirming the details of the transfer request contents displayed by the senior manager, the approval button of the “transfer approval history detail screen” in FIG. 12 can be clicked. When this approval button is clicked, the data of the transfer request content is transmitted as approved account transfer data from the input device 10 to the transfer approval device 20 by the control unit 22 and further transmitted to the financial institution device 30 and transferred to the financial institution device 30. Will be executed (described later). In addition, after the financial institution apparatus 30 performs the transfer execution, the “transfer approval history transfer execution completion” of FIG. 13 is performed based on the account transfer completed data transmitted from the transfer approval apparatus 20 to the input unit 10 via the transfer approval apparatus 20. The “screen” data is transmitted to the input unit 10 by the screen control unit 23 based on the control of the control unit 22 and displayed on the display unit 13. This “Transfer Approval History Transfer Execution Completion Screen” has a transfer result indicating customer ID, customer name, financial institution name, financial institution code, branch code, account code, account number, transfer amount, transfer response date, transfer result, etc. Each item such as information is displayed.

  FIG. 4 describes the function of the control unit 22 of the transfer approval device 20. Here, description will be made with reference to the flowcharts of FIGS. 15 to 18 and the screens of FIGS.

The controller 22 of the transfer approval device 20 implements a customer confirmation function 22a, transfer amount processing function 22b, customer registration function 22c, transfer approval reception function 22d, and history update function 22e. First, in the customer confirmation function 22a, as described in the account transfer data input function 12a, the person in charge of account transfer inputs the customer ID of the customer who wants to perform the account transfer from FIG. When clicked, the control unit 22 transmits the customer ID data as account transfer data from the input device 10 to the transfer approval device 20. According to the flowchart of FIG. 15, when customer ID data as account transfer data is transmitted to the transfer approval device 20, a formal check such as whether a numerical value has been input is performed by the control unit 22 (step S1). . Subsequently, it is determined whether or not there is an error in the input item (step S2). If there is no error, the control unit 22 searches the customer master 25 and the account master 26 based on the received customer ID data (step S3). On the other hand, when there is an error in the input item, the screen control unit 23 transmits the data of the “account transfer customer selection screen” in FIG. Step S6).
Next, it is examined whether there is a mismatch between the account transfer data based on the customer ID and the contents of the customer master 25 and the account master 26 (step S4). If there is no discrepancy between the account transfer data based on the customer ID and the contents of each master, control is performed to display the “account transfer transfer amount input screen” of FIG. 7 for inputting the transfer amount (step S5). On the other hand, if there is a mismatch, the screen control unit 23 transmits the data of the “account transfer customer selection screen” in FIG. 6 to the input device 10 based on the control of the control unit 22, and the “account transfer customer selection screen” in FIG. Is displayed (step S6).

  In the transfer amount processing function 22b, first, as described above, the screen control unit 23 transmits the data of the “account transfer transfer amount input screen” of FIG. 7 to the input device 10 based on the control of the control unit 22, and “ “Account Transfer Transfer Amount Input Screen” is displayed on the display unit 13. When the account transfer person inputs the transfer amount from the input unit 14, the data is transmitted to the transfer approval device 20 by the control unit 22. According to the flowchart of FIG. 16, when the transfer approval device 20 receives the transfer amount data, a formal check such as whether a numerical value has been input is performed by the control unit 22 (step S11). Subsequently, it is determined whether or not there is an error in the input item (step S12). If there is no error, the screen control unit 23 transmits the data of the “account transfer transfer amount confirmation screen” of FIG. 8 to the input device 10 based on the control of the control unit 22, and the “account transfer transfer amount confirmation screen” of FIG. Is displayed (step S13). On the other hand, if there is an error, the screen control unit 23 transmits the data of the “account transfer transfer amount input screen” of FIG. 7 to the input device 10 based on the control of the control unit 22, and the “account transfer transfer amount input screen of FIG. Is displayed (step S14).

  In the history registration function 22c, first, as described in step S13 above, the screen control unit 23 transmits the data of the “account transfer transfer amount confirmation screen” of FIG. 8 to the input device 10 based on the control of the control unit 22, The “account transfer transfer amount confirmation screen” of FIG. 8 is displayed on the display unit 13. When the account transfer person confirms that the amount is correct and clicks the approval request button, the account transfer approval data, which is the request data for the approval request to the senior manager, is transferred from the input device 10 by the control unit 22. Transmitted to the device 20. According to the flowchart of FIG. 17, when the transfer approval device 20 receives the account transfer approval data, the customer ID, customer name, financial institution code, branch code, account code, account number, and the contents of the account transfer approval data The transfer amount and the like are accumulated in the transfer history table (step S21). Next, it is determined whether there is any error in the attributes of these data (step S22). When there is no error, the screen control unit 23 transmits the data of the “account transfer approval request completion screen” of FIG. 9 to the input device 10 based on the control of the control unit 22, and the “account transfer transfer approval request completion screen of FIG. Is displayed on the display unit 13 (step S23). On the other hand, if there is an error, the screen control unit 23 controls to display the error message on the display unit 13 by transmitting the screen data of the error message to the input device 10 based on the control of the control unit 22 (step S24).

  In the transfer approval acceptance function 22d, first, the screen control unit 23 transmits the data of the “transfer approval history search condition input screen” in FIG. 10 to the input device 10 based on the control of the control unit 22, and the “transfer approval history search in FIG. The “condition input screen” is displayed on the display unit 13. When the supervisor in charge inputs a customer ID or the like to be approved for transfer in this “transfer approval history search condition input screen”, data such as the customer ID is transmitted from the input device 10 to the transfer approval device 20 by the control unit 22. . According to the flowchart of FIG. 18, the control unit 22 performs a formal check, such as whether a numerical value is input to the data such as the customer ID received by the transfer approval device 20 (step S31). Subsequently, in the formal check in step S31, the control unit 22 determines whether there is an error in the input item (step S32). If there is no error, the control unit 22 acquires data from the transfer history table 27 in which the above-described account transfer approval data is accumulated (step S33). On the other hand, if there is an error in the data, the screen control unit 23 transmits the data of the “transfer approval history search condition input screen” of FIG. 10 to the input device 10 based on the control of the control unit 22, and the “transfer” of FIG. Control for displaying the “approval history search condition input screen” is performed (step S37). Next, it is determined whether there is an error in the data acquired from the transfer history table 27 in step S33 (step S34). If there is no error, the screen control unit 23 transmits the data of the “transfer approval history list screen” of FIG. 11 to the input device 10 based on the control of the control unit 22 and is displayed as the “transfer approval history list screen” of FIG. Control is performed (step S35). The items of the “transfer approval history list screen” in FIG. 11 include customer ID, customer name, transfer request date, transfer request time, transfer amount, approval status, transfer result, transfer manager name, transfer approver name, batch There is a transfer acceptance ID. On the other hand, if there is an error, the screen control unit 23 transmits the data of the “transfer approval history search condition input screen” in FIG. 10 to the input device 10 based on the control of the control unit 22, and the “transfer approval history search in FIG. Control to display the “condition input screen” is performed (step S37). Here, when the detailed display button of the “transfer approval history list screen” in FIG. 11 is clicked, the screen control unit 23 sends data to the “transfer approval history detailed screen” in FIG. Is transmitted and the “transfer approval history detail screen” of FIG. 12 is displayed (step S36). The “transfer approval history detail screen” in FIG. 12 includes account transfer approvals such as customer ID, customer name, financial institution name, financial institution code, branch code, account code, account number, name of person in charge of transfer, reason for approval result, etc. Details of the data are output. On the other hand, when the senior manager approves the data, as described above, the approval button of the “transfer approval history detailed screen” in FIG. 12 is clicked (step S38). When the approval button is clicked, the data of the “transfer approval history detailed screen” in FIG. 12 is transmitted to the financial institution apparatus 30 by the control unit 22 as approved account transfer data, and the account transfer is performed. (Step S39). When the account transfer is performed by the financial institution device 30, the screen control unit 23 transmits the data of the “transfer approval history transfer execution completion screen” of FIG. 13 to the input device 10 based on the control of the control unit 22, Control to display as “Transfer Approval History Transfer Execution Complete Screen”. In this "transfer approval history transfer execution completion screen", in addition to the customer ID, transfer account information such as account number, transfer person information, transfer approver information, etc., the transfer response date and whether the transfer was successful The result of the transfer is displayed. (Step S40).

  On the other hand, in the history update function 22e, there is an error in the input item for the account transfer completed data represented by the “transfer approval history transfer execution completion screen” of FIG. 13 transmitted from the financial institution device 30 to the transfer approval device 20. The control unit 22 determines whether or not. If there is no error, the control unit 22 accumulates the account transfer completed data in the transfer history table 27 and updates the transfer history table 27. Note that even if the senior manager clicks the approval rejection button on the “transfer approval history detail screen” in FIG. 12, the transfer history table 27 is updated based on the rejected contents. Further, the transfer history table 27 can be accessed by inputting a customer ID, a browsing period, and the like on the “account transfer history search condition input screen” of FIG. 14, and the screen control unit 23 controls the input device 10 based on control of the control unit 22. The data of the “transfer approval history list screen” in FIG. 11 is transmitted, and the “transfer approval history list screen” in FIG. 11 is displayed. Therefore, the account transfer result (customer ID, transfer request date, transfer request time, transfer amount, transfer result, etc.) can be viewed on the display unit 13.

  FIG. 5 describes the functions of the control unit 32 of the financial institution apparatus 30. The control unit 32 of the financial institution apparatus 30 implements a contract confirmation function 32a and a transfer execution function 32b. The contract confirmation function 32a refers to the contents of the bank transfer master 34 and confirms whether or not there is an account transfer request contract at the bank for the approved account transfer data received from the transfer approval device 20, and there is an account transfer request contract. If it is, the data is sent to the transfer execution function 32b. In the transfer execution function 32b, an account transfer debit process is performed based on the approved account transfer data transmitted from the contract confirmation function 32a, and the account transfer completed data after the debit process is transmitted to the transfer approval device 20.

DESCRIPTION OF SYMBOLS 10 Input device 11, 21, 31 Communication part 12, 22, 32 Control part 12a Account transfer data input function 12b Account transfer approval input function 13 Display part 14 Input part 20 Transfer approval apparatus 22a Customer confirmation function 22b Transfer amount processing function 22c History Registration function 22d Transfer approval acceptance function 22e History update function 23 Screen control unit 24, 33 Storage unit 25 Customer master 26 Account master 27 Transfer history table 32a Contract confirmation function 32b Transfer execution function 34 Oral transfer master

Claims (3)

An account transfer system in which an input device of a storage company, a transfer approval device that approves account transfer, and a financial institution device that performs account transfer are connected via a network,
The input device is:
A screen for entering account transfer data, a screen for approving account transfer approval data, and a display for displaying the account transfer result,
It has an account transfer data input function for transmitting the account transfer data received from the input unit to the transfer approval device, and an account transfer approval function for transmitting the approved account transfer data input from the input unit to the transfer approval device. A control unit;
With
The transfer approval device
A storage unit for storing the account transfer data and the approved account transfer data transmitted from the input device, and storing customer and account identification information;
A customer confirmation function for confirming customer information and account information of the account transfer data based on identification information of the customer and account stored in a storage unit;
A transfer amount processing function for confirming the transfer amount of the account transfer data;
A history registration function for accumulating the account transfer approval data including customer information and account information of the account transfer data and the transfer amount in a transfer history table;
A transfer approval acceptance function that approves the account transfer for the account transfer approval data stored in the transfer history table, and transmits the approved account transfer data to the financial institution device;
A history update function for accumulating the account transfer completed data transmitted from the financial institution device in the transfer history table;
With
The financial institution apparatus is
A storage unit for storing the approved account transfer data transmitted by the transfer approval device, and identification information of the account transfer data;
A contract confirmation function for confirming the contents of the approved account transfer data by the identification information of the account transfer data stored in the storage unit;
An account transfer system comprising: a control unit having a transfer execution function for performing an account transfer based on the approved account transfer data whose contents have been confirmed and transmitting the account transfer completed data to the transfer approval device.   The account transfer system according to claim 1, wherein the account transfer data includes a customer ID and a transfer amount.   The account transfer system according to claim 1, wherein the approved account transfer data includes a customer ID, a transfer amount, transfer person information, and transfer approver information.

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