JP7203706B2 - Transfer-only account management device, method, program, and system - Google Patents

Description

The present invention relates to technology for managing a bank transfer account.

2. Description of the Related Art Conventionally, financial institutions such as banks have provided services for improving the efficiency of reconciliation work for accounts receivable (Patent Document 1, etc.).

Specifically, the financial institution provides the customer with account numbers of a plurality of transfer-dedicated accounts linked to the customer's account. The customer assigns an account number of a transfer-only account to each billing party, and requests the billing party to transfer the amount to the transfer-only account (in other words, specify the account number of the transfer-only account as the account number of the transfer party). When a billing party makes a transfer to a transfer-only account, the financial institution deposits the funds transferred into the transfer-only account into the customer's account, and notifies the customer of the deposit data with the account number of the transfer-only account added. . The customer can easily identify the person who made the transfer by matching the account number of the transfer-only account in the deposit data with the account number of the transfer-only account notified to the billing party.

Japanese Patent No. 3029421

However, financial institutions provide customers with a predetermined number of accounts (for example, 1,000 accounts) for such deposit-only accounts. Therefore, even if the customer wants to stop depositing into some dedicated transfer accounts (e.g., one account out of 1,000 accounts), it is not possible to do so, and all the dedicated transfer accounts (i.e., 1,000 accounts) are canceled. I had no choice but to do it.

SUMMARY OF THE INVENTION Accordingly, an object of the present invention is to control whether or not to accept payment to a transfer-dedicated account.

According to one aspect of the present invention, a request acquisition unit that acquires a request to control whether or not to accept a deposit to at least one of a plurality of dedicated deposit accounts linked to a designated deposit account; a transfer-only account control unit that controls, in response to a request, whether or not to accept payment to at least one transfer-only account among a plurality of transfer-only accounts linked to the designated payment account.

According to the present invention, it is possible to control whether or not to accept payment to a transfer-dedicated account.

FIG. 2 is a diagram for explaining a transfer-dedicated account according to one embodiment of the present invention; FIG. 1 is an overall configuration diagram of a transfer-dedicated account management system according to an embodiment of the present invention; FIG. 1 is a functional block diagram of a transfer-dedicated account management device according to an embodiment of the present invention; FIG. It is an example of data stored in an account information storage unit according to one embodiment of the present invention. 4 is a flow chart showing transfer-dedicated account control processing according to one embodiment of the present invention. It is a flowchart which shows the transfer process which concerns on one Embodiment of this invention. FIG. 4 is a diagram for explaining a case where a customer is a collection agent company according to one embodiment of the present invention; 1 is a block diagram showing the hardware configuration of a transfer-dedicated account management device according to an embodiment of the present invention; FIG.

BEST MODE FOR CARRYING OUT THE INVENTION An embodiment of the present invention will be described below based on the drawings.

<Description of bank transfer account>
FIG. 1 is a diagram for explaining a deposit exclusive account 12 according to one embodiment of the present invention. It is assumed that the customer 14 has opened an account (hereinafter also referred to as the deposit designated account 13) at a financial institution. A financial institution provides a customer 14 with a plurality of transfer-dedicated accounts (in the example of FIG. 1, transfer-dedicated accounts 12a, 12b, 12c, . (also referred to as a transfer-only account 12).

Here, the transfer-only account 12 will be described in detail. Each transfer-only account 12 is given a branch number, an account (ordinary/current account), and an account number. The financial institution provides the customer 14 with such transfer-dedicated accounts 12 in units of a predetermined number of accounts (for example, 1000 accounts). In other words, the financial institution newly or additionally provides the customer 14 with dedicated transfer accounts 12 by a predetermined number of accounts (for example, provides 1000 accounts, 2000 accounts, and 3000 accounts), and provides the dedicated transfer accounts 12 by a predetermined number of accounts. (for example, cancel 1000 accounts, 2000 accounts, and 3000 accounts).

The customer 14 assigns the account number of the transfer-dedicated account 12 to each payer (that is, billing destination) 11 (in the example of FIG. 1, assigns the transfer-dedicated account 12a to the transferor 11a, and A special account 12b is assigned, a special transfer account 12c is assigned to a transferor 11c, etc.), and a request is made to the transferor 11 to make a transfer to the special transfer account 12.例文帳に追加

A payer 11 makes a transfer to a transfer-dedicated account 12 notified by a customer 14. - 特許庁Specifically, the transferor 11 designates the transfer-dedicated account 12 as the transfer destination account.

When a transferor 11 makes a transfer to a transfer-dedicated account 12, the financial institution deposits the funds transferred to the transfer-dedicated account 12 into a designated deposit account 13 of a customer 14, and the account number of the transfer-dedicated account 12 is added. The customer 14 is notified of the received payment data. The deposit data is data of deposit details including the account number of the dedicated deposit account 12 into which the money is deposited (that is, the deposit is transferred from the depositor 11), the date of deposit, the amount of deposit, and the like.

The customer 14 can easily identify the person who made the transfer by matching the account number of the transfer-only account 12 in the deposit data with the account number of the transfer-only account 12 notified to the transferor 11. .

<System configuration>
FIG. 2 is a block diagram of the entire deposit account management system 100 according to one embodiment of the present invention. The transfer-only account management system 100 includes a transfer-only account management device 101 and a customer terminal 102 . Each of these will be described below.

The transfer-dedicated account management device 101 suspends or resumes acceptance of deposits to the transfer-dedicated account linked to the customer's account of the financial institution (hereinafter also referred to as activating or inactivating the dedicated transfer account). device. The transfer-dedicated account management device 101 consists of one or more computers. The transfer-dedicated account management device 101 can transmit and receive data to and from the customer terminal 102 via any network 103 . The transfer-dedicated account management device 101 will be described in detail later with reference to FIG.

The customer terminal 102 is a terminal used by a customer of a financial institution (the customer 14 having the designated deposit account 13 in FIG. 1). The customer terminal 102 is a computer such as a personal computer, tablet, or smart phone. The customer terminal 102 can transmit and receive data to and from the transfer dedicated account management apparatus 101 via any network 103 . Specifically, the customer terminal 102 receives the request to activate or deactivate the transfer-only account input to the customer terminal 102 and the information for identifying the account to be activated or deactivated. It is transmitted to the dedicated account management device 101 .

<Functional block>
FIG. 3 is a functional block diagram of the dedicated transfer account management device 101 according to one embodiment of the present invention. Transfer-only account management device 101 includes request acquisition unit 201 , transfer-only account control unit 202 , account information storage unit 203 , and transfer processing unit 204 . The transfer-only account management device 101 also functions as a request acquisition unit 201, a transfer-only account control unit 202, and a transfer processing unit 204 by executing programs. Each of these will be described below.

The request acquisition unit 201 acquires a request from the customer terminal 102 requesting control of whether or not to accept payment to a transfer-dedicated account. Specifically, the request acquisition unit 201 receives from the customer terminal 102 a request for activating or deactivating the transfer-dedicated account, and one or more accounts to be activated or deactivated (that is, the designated deposit account). Acquire information (for example, an account number) for identifying at least one transfer-only account among the linked transfer-only accounts. The request acquisition unit 201 stores the data acquired from the customer terminal 102 in an arbitrary memory so that the transfer dedicated account control unit 202 can refer to the data.

The request acquisition unit 201 acquires the customer's login ID or the like from the customer terminal 102, and determines whether the customer is active or inactive based on the correspondence relationship between the customer's login ID and the account holder of the designated deposit account. It may be determined whether the person is the account holder of the deposit-designated account linked to the transfer-dedicated account to be transferred. Further, the request acquisition unit 201 may activate or deactivate the transfer-dedicated account when the request is from the account holder of the designated deposit account.

The transfer-only account control unit 202 controls whether or not to accept payment to the transfer-only account. Specifically, based on the data acquired by the request acquisition unit 201, the transfer-dedicated account control unit 202 suspends or restarts acceptance of deposits to the dedicated transfer account. The account information storage unit 203 will be described before describing the transfer dedicated account control unit 202 in detail.

The account information storage unit 203 stores information on the customer's account (deposit designated account) and information on a plurality of transfer-dedicated accounts linked to the designated deposit account. The data stored in the account information storage unit 203 will be described in detail with reference to FIG.

FIG. 4 is an example of account information stored in the account information storage unit 203 according to one embodiment of the present invention. As shown in FIG. 4, the account information 203 includes information related to the designated deposit account (specifically, the account holder, branch number, account number, account number, etc.), and multiple accounts linked to the designated deposit account. This includes data on items such as information on the bank transfer account (specifically, branch number, item, account number, active/inactive status, etc.). Each item will be described below.

As mentioned above, when a transferor makes a transfer to a transfer-only account, the financial institution deposits the funds transferred into the transfer-only account into the customer's specified deposit account, and the account number of the transfer-only account is added. Notify the customer of received deposit data.

Information on the designated deposit account is stored in the "specified deposit account information".

"Account holder" stores information (for example, the name of the account holder) for identifying the account holder of the designated deposit account.

The "branch number", "account number", and "account number" of the designated deposit account store the branch number, item (ordinary/current account), and account number for identifying the designated deposit account.

The "transfer-dedicated account information" stores information about the transfer-dedicated account linked to the designated deposit account. Deposit-only accounts are linked to designated deposit accounts in units of a predetermined number of accounts (for example, 1000 accounts).

The "branch number", "account number", and "account number" of the transfer-only account store the branch number, item (ordinary/current account), and account number for specifying the transfer-only account.

The "active/inactive state" stores information indicating whether the transfer-dedicated account is in an active state or inactive state.

Here, the activation and inactivation of the transfer-dedicated account will be explained. A transfer-dedicated account being in an active state means that the financial institution is in a state of accepting a transfer request when a transferor requests a transfer to the transfer-dedicated account. On the other hand, when a transfer account is in an inactive state, when the transferor requests the financial institution to make a transfer to the transfer account, the financial institution refuses (does not accept) the transfer request. Say things.

Returning to the description of the transfer-dedicated account control unit 202 in FIG. Deposit-only account control unit 202 changes data in account information storage unit 203 in response to a request from customer terminal 102 . If the request acquired by the request acquisition unit 201 from the customer terminal 102 is a request for deactivating the account dedicated for transfer, the account control unit 202 stores the account information storage unit 203 to deactivate it. Change the "active/inactive status" of the dedicated transfer account requested to be "inactive". Further, if the request acquired by the request acquisition unit 201 from the customer terminal 102 is a request to activate the transfer-dedicated account (that is, to restart acceptance of deposits to the transfer-dedicated account), the transfer-dedicated account is activated. In the account information storage unit 203, the control unit 202 sets the “active/inactive state” of the transfer-dedicated account requested to be activated to “active”.

The transfer processing unit 204 processes the transfer. Specifically, the transfer processing unit 204 changes the “active/inactive state” in the account information storage unit 203 when there is a request for a transfer to a transfer-only account (for example, at a counter, ATM, Internet banking, etc.). By referring to it, it is determined whether the dedicated transfer account is in an active state or in an inactive state. If it is in the active state, the transfer processing unit 204 accepts a request for transfer to the dedicated transfer account and processes the transfer. If it is in an inactive state, the transfer processing unit 204 refuses (does not accept) a request for transfer to the dedicated transfer account, and does not process the transfer.

<Processing method>
FIG. 5 is a flow chart showing a transfer-dedicated account control process according to one embodiment of the present invention.

In step 11 (S11), the request acquisition unit 201 acquires from the customer terminal 102 a request for activating or deactivating the transfer-dedicated account and information for specifying the account to be activated or deactivated. .

At step 12 (S12), the transfer-dedicated account control unit 202 determines whether the request acquired at S11 is a request to activate or a request to deactivate. If the request is for deactivation, the process proceeds to step 13; if the request is for activation, the process proceeds to step 14;

At step 13 (S13), the transfer-only account control unit 202 changes the "active/inactive state" of the transfer-only account requested at S11 to "inactive" in the account information storage unit 203. FIG.

At step 14 (S14), the transfer-dedicated account control unit 202 changes the "active/inactive state" of the transfer-dedicated account requested in S11 to "active" in the account information storage unit 203. FIG.

FIG. 6 is a flow chart showing transfer processing according to an embodiment of the present invention.

At step 21 (S21), the transfer processing unit 204 obtains a request for transfer to a dedicated account for transfer applied through a window of a financial institution, an ATM, Internet banking, or the like.

At step 22 (S22), the transfer processing unit 204 refers to the "active/inactive state" in the account information storage unit 203 to determine whether the dedicated transfer account requested at S21 is in an active state, or Determine if it is in an inactive state. If it is inactive, go to step 24; if it is active, go to step 25;

At step 24 (S24), the transfer processing unit 204 rejects (does not accept) the request for transfer to the dedicated transfer account requested at S21, and does not process the transfer.

At step 25 (S25), the transfer processing unit 204 accepts the request for transfer to the dedicated transfer account requested at S21, and processes the transfer.

In this way, in one embodiment of the present invention, at least of transfer-only accounts that are managed in units of a predetermined number of accounts (that is, are provided to customers or canceled in units of a predetermined number of accounts) It is possible to suspend acceptance of deposits to a single bank transfer account. In other words, it is possible to perform individual control so as to stop accepting deposits into the transfer-dedicated account without canceling a predetermined number of accounts (all accounts in one unit). Furthermore, according to one embodiment of the present invention, it is possible to restart acceptance of deposits to the transfer-dedicated account once suspended.

<Application example>
FIG. 7 is a diagram for explaining a case where the customer (customer 14 in FIG. 1) according to one embodiment of the present invention is a collection agent company. A collection agent requester (for example, an e-commerce site owner) 17 entrusts a customer (acceptance agent company) 14 with the work of collecting money from a payer (for example, a consumer on an e-commerce site) 11. shall be

If the customer 14 is a collection agent company, the funds transferred to the transfer account 12 are transferred to the designated deposit account 13 of the customer 14, and then transferred to the account of the collection agent 17 (collection agent account 16). ). For example, when a customer (receiving agency) 14 finds a store (that is, a collection agency requestor 17) that handles illegal products on an EC site, a consumer (that is, a transfer person 11) transfers the money and conducts a commercial transaction. It is possible to suspend acceptance of payment to the account dedicated for transfer so that the above is not established.

Furthermore, in the example of FIG. 7, in cross-border EC, etc., the customer (receiving agency) 14 transfers the funds transferred to the transfer-only account 12 to the receiving agency requester in a foreign currency (the currency of the location of the receiving agency requester 17). 17 may be paid.

<Hardware configuration>
FIG. 8 is a block diagram showing the hardware configuration of the dedicated transfer account management device 101 according to one embodiment of the present invention. The transfer-dedicated account management device 101 has a CPU (Central Processing Unit) 1 , a ROM (Read Only Memory) 2 and a RAM (Random Access Memory) 3 . CPU1, ROM2, and RAM3 form a so-called computer.

The deposit account management device 101 also has an auxiliary storage device 4 , a display device 5 , an operation device 6 , an I/F (Interface) device 7 and a drive device 8 . Each piece of hardware of the transfer-only account management device 101 is interconnected via a bus 9 .

The CPU 1 is an arithmetic device that executes various programs installed in the auxiliary storage device 4 .

ROM2 is a non-volatile memory. The ROM 2 functions as a main storage device for storing various programs, data, etc. necessary for the CPU 1 to execute various programs installed in the auxiliary storage device 4 . Specifically, the ROM 2 functions as a main storage device that stores boot programs such as BIOS (Basic Input/Output System) and EFI (Extensible Firmware Interface).

The RAM 3 is a volatile memory such as a DRAM (Dynamic Random Access Memory) or an SRAM (Static Random Access Memory). The RAM 3 functions as a main storage device that provides a work area to be expanded when various programs installed in the auxiliary storage device 4 are executed by the CPU 1 .

The auxiliary storage device 4 is an auxiliary storage device that stores various programs and information used when various programs are executed.

The display device 5 is a display device that displays the internal state of the transfer-dedicated account management device 101 and the like.

The operation device 6 is an input device for inputting various instructions to the transfer-dedicated account management device 101 by the manager of the transfer-dedicated account management device 101 .

The I/F device 7 is a communication device for connecting to the network 103 and communicating with the customer terminal 102 .

A drive device 8 is a device for setting the storage medium 10 . The storage medium 10 here includes media such as CD-ROMs, flexible disks, magneto-optical disks, etc., which record information optically, electrically or magnetically. The storage medium 10 may also include a semiconductor memory that electrically records information such as an EPROM (Erasable Programmable Read Only Memory), a flash memory, or the like.

Various programs to be installed in the auxiliary storage device 4 are installed by, for example, setting the distributed storage medium 10 in the drive device 8 and reading out the various programs recorded in the storage medium 10 by the drive device 8. be done. Alternatively, various programs to be installed in the auxiliary storage device 4 may be installed by being downloaded from another network different from the network 103 via the I/F device 7 .

Although the embodiments of the present invention have been described in detail above, the present invention is not limited to the specific embodiments described above, and various modifications can be made within the scope of the gist of the present invention described in the claims.・Changes are possible.

11 transfer person 12 transfer account 13 transfer designated account 14 customer 100 transfer transfer account management system 101 transfer transfer account management device 102 customer terminal 103 network 201 request acquisition unit 202 transfer transfer account control unit 203 account information storage unit 204 transfer processing unit 15 Receipt agent company 16 Receipt agent requester account 17 Receipt agent requester

Claims (9)

Acquire a request to control whether or not a financial institution accepts deposits to at least one of a plurality of transfer-only accounts that are linked to a designated deposit account and managed in units of a predetermined number of accounts . a request acquisition unit;
Deposit-dedicated account for changing, in response to the request, information on whether or not the financial institution accepts deposits to at least one debit-dedicated account among a plurality of debit-dedicated accounts linked to the deposit-designated account. A transfer-dedicated account management device comprising a control unit. if the request is a request to deactivate the transfer-only account;
The transfer-dedicated account control unit puts the transfer-dedicated account in an inactive state, and the inactive state is set when the transferor requests the financial institution to make a transfer to the transfer-dedicated account. 2. The transfer-dedicated account management apparatus according to claim 1, wherein the transfer request is rejected. if the request is a request to activate the transfer-only account;
The transfer-dedicated account control unit puts the transfer-dedicated account into an active state. 3. The transfer-dedicated account management device according to claim 1, which is in a state of accepting a request. When there is a request for transfer to the transfer-dedicated account, it is determined whether the transfer-dedicated account is in an active state or in an inactive state, and if it is in an active state, the transfer is performed. 4. The transfer-dedicated account management apparatus according to claim 1, further comprising a transfer processing unit that processes the transfer and does not process the transfer when the transfer is in the inactive state. 5. The transfer-only account management apparatus according to claim 1, wherein said plurality of transfer-only accounts are provided to the customer or canceled in units of a predetermined number of accounts. The customer who has the designated deposit account is a payment collection company,
The request acquisition unit receives a request from the customer to control whether or not the financial institution accepts a deposit into at least one of a plurality of dedicated deposit accounts linked to the designated deposit account. 6. The transfer-dedicated account management device according to any one of claims 1 to 5, which acquires A computer implemented method comprising:
Acquire a request to control whether or not a financial institution accepts deposits to at least one of a plurality of transfer-only accounts that are linked to a designated deposit account and managed in units of a predetermined number of accounts . a step;
changing, in response to the request, information on whether or not the financial institution accepts deposits to at least one dedicated deposit account among a plurality of deposit-dedicated accounts linked to the designated deposit account ; How to include . A request to control whether or not a financial institution can accept deposits into at least one of a plurality of deposit-only accounts linked to a designated deposit account and managed in units of a predetermined number of accounts . a request acquisition unit to acquire;
Deposit-dedicated account for changing, in response to the request, information on whether or not the financial institution accepts deposits to at least one debit-dedicated account among a plurality of debit-dedicated accounts linked to the deposit-designated account. A program that functions as a controller. including a transfer-dedicated account management device and a customer terminal,
The transfer-dedicated account management device
Controlling whether or not the financial institution accepts deposits from the customer terminal to at least one dedicated deposit account among a plurality of dedicated deposit accounts linked to the designated deposit account and managed in units of a predetermined number of accounts . a request acquisition unit that acquires a desired request;
Deposit-dedicated account for changing, in response to the request, information on whether or not the financial institution accepts deposits to at least one debit-dedicated account among a plurality of debit-dedicated accounts linked to the deposit-designated account. A transfer-dedicated account management system comprising: a control unit;

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