JP2001014387A - System and method for instructing real-time remittance, and recording medium where process for same is recorded - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a real-time remittance instructing system which can easily be actualized. SOLUTION: A remittance instructing computer 14 is provided which instructs remittance to a computer 16 of a bank in real time separately from a host computer 12 of a life insurance company. Processed which are needed to instruct the remittance to the computer 16 of the bank in real time are carried out by the remittance instructive computer 14. Consequently, while system alterations of the host computer 12 are minimized, the real-time remittance instructing system can be actualized.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a real-time remittance instruction system, a real-time remittance instruction method, and a recording medium on which a process for recording the real-time remittance instruction is recorded. The present invention relates to an instruction method and a recording medium that records processing for the instruction method.

[0002]

2. Description of the Related Art Hitherto, a host computer of a financial institution without a settlement function has not had a function of instructing remittance in real time. Here, examples of the financial institution having no settlement function include a life insurance company, a non-life insurance company, a credit company, and the like. Conversely, financial institutions having a settlement function include, for example, banks and post offices.

As described above, since a host computer of a financial institution without a settlement function does not have a function of instructing remittance in real time, a remittance request received from a customer in the daytime can be received during the night when the online function of the host computer is stopped. The data required for remittance is read out by batch processing, and remittance instructions are given to a financial institution having a settlement function such as a bank.

[0004] For this reason, a customer of a financial institution without a settlement function intends to make a loan to a customer to receive remittance to his or her own account, or draws out a reserve dividend and transfers it to his or her own account. In order to receive the funds, it takes about two to three days before the funds are remitted to the customer's own account. Accordingly, realization of a real-time remittance instructing system that processes a remittance request of a customer in real time and quickly remits the account to the customer's account has been desired.

[0005]

However, when a new function of instructing remittance in real time is newly added to the host computer, a large development period and development cost are required for adding the function and confirming consistency with the existing function. There was a problem. In addition, when the customer remits the funds transferred to the account to a third party, it is necessary to perform the remittance procedure again at a bank or the like, which is disadvantageous in that it is troublesome twice.

The present invention has been made in view of the above problems, and has as its object to provide a real-time remittance instruction system that allows a financial institution to perform a real-time remittance after confirming the identity. Further, the present invention provides a real-time remittance system which can transfer funds directly to a third party's account without having to transfer the funds to the customer's own account when the customer remits to a third party. With the goal. A further object of the present invention is to provide a real-time remittance system that can notify a recipient of the remittance from the customer.

[0007]

In order to solve the above-mentioned problems, in a real-time remittance instruction system according to the present invention, customer identification information for confirming the identity of a customer is input from an information input / output device operated by the customer. A first computer for collating whether or not the user is the principal based on the customer identification information, and outputting a remittance instruction input from the information input / output device when the collation is determined to be the principal; And the second computer, which receives the remittance instruction output from the first computer and outputs the remittance instruction in real time, and the remittance instruction output from the second computer is input. And a third computer that performs a remittance process in real time based on the third computer.

[0008] In this case, the customer is a customer of a financial institution without a settlement function, and the first computer is provided in the financial institution without the settlement function, and
The computer may be provided in a financial institution having a settlement function.

[0009] A fourth computer for converting a communication protocol may be provided between the second computer and the third computer.

Further, a fifth computer is provided between the information input / output device of the customer and the first computer, and the first computer transmits a transaction completion message having data necessary for remittance processing. And transmitting the transaction completion message to the fifth computer as the remittance instruction.
You may make it transmit to a computer.

In these cases, the customer may be able to instruct remittance to a designated account of a designated financial institution registered in advance in the first computer.

On the other hand, the customer may be able to designate a financial institution to which remittance is to be made and an account each time a remittance instruction is given.

The remittance instruction output from the first computer includes transfer requester specifying information for specifying the transfer requester, and the transfer requester specifying information is notified to the recipient. Alternatively, the recipient may be able to specify the transfer requester.

In the real-time remittance instruction method according to the present invention, customer identification information for confirming the identity of a customer is input to a first computer from an information input / output device operated by the customer, and the principal is identified based on the customer identification information. A step of outputting, from the first computer, a remittance instruction input from the information input / output device, if the identity of the user is determined, and Outputting the remittance instruction output to the second computer, outputting the remittance instruction from the second computer in real time, and inputting the remittance instruction output from the second computer to a third computer, A step in which the third computer performs a remittance process in real time based on a remittance instruction.

A computer-readable recording medium on which a program for causing a computer to execute a real-time remittance instruction process according to the present invention is used for confirming that the customer is himself / herself from an information input / output device operated by the customer. Based on the input customer identification information, it is verified whether or not the user is the principal. If the result of the verification indicates that the user is the principal, the remittance instruction input from the information input / output device is output from the first computer. Causing the remittance instruction input from the first computer to be output from the second computer in real time;
Causing the third computer to perform a remittance process in real time based on the remittance instruction input from the second computer.

[0016]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS [First Embodiment] A first embodiment of the present invention is to provide a remittance instruction computer for instructing a remittance instruction to a bank computer in real time separately from a host computer of a life insurance company. It is intended to realize a real-time remittance instruction system while minimizing the system change of the host computer. This will be described in more detail below.

First, the configuration of a real-time remittance instruction system according to the first embodiment of the present invention and message exchange will be described with reference to FIG.

As shown in FIG. 1, the real-time remittance system according to the present embodiment includes an information input / output device 10,
Host computer 12 and remittance instruction computer 14
And

An information input / output device 10 is provided on the customer side. This information input / output device is composed of a telephone, a personal computer, a mobile telephone and the like. In this embodiment, this customer is a customer of a life insurance company.

On the life insurance company side, a host computer 12 and a remittance instruction computer 14 are provided.
The life insurance company shown here is an example of a financial institution without a settlement function. The host computer 12 is a computer that performs the main processing of the life insurance company.
It has a customer database 13 having a master file as main information about customers.

The remittance instruction computer 14 is a computer provided separately from the host computer 12. The remittance instruction computer 14 is separated from the host computer 12 and has a function of transmitting the remittance instruction received from the host computer 12 to the computer 16 of the bank. Also, the remittance instruction computer 14
Has a function of executing processing necessary for performing the remittance processing in real time with the computer 16 of the bank. Therefore, the influence of performing the remittance processing in real time on the host computer 12 can be minimized.

On the bank side, a bank computer 16 is provided. The computer 16 of the bank is a computer that performs the main processing of the bank, and has a customer database 17 having a master file that is main information on the customer. In this embodiment, the bank computer 16 and the remittance instruction computer 1
4 are connected, but these computers 1
Another computer such as a gateway server computer may be interposed between the computer 6 and the remittance instruction computer 14.

The bank computer 16 is connected to another bank computer 20 via a network 18. The computer 20 of the other bank is a computer that performs the main processing of the other bank, and has a customer database 21 that is the main information of the customer in the other bank.

The computer 16 of the above-mentioned bank, the computer 20 of another bank, and the network 1 connecting these computers
No. 8 is already in practical use as a total silver system.

The operation of the real-time remittance instruction system shown in FIG. 1 when a customer of a life insurance company lends a contractor will be schematically described. Here, policyholder lending refers to a mode in which a customer of a life insurance company borrows funds from a life insurance company with its own life insurance as collateral.

The customer of the life insurance company has the information input / output device 1
From 0, the customer ID number, personal identification number, and desired loan amount are input. These input data are transmitted to the host computer 12.

The host computer 12 receiving these data refers to the customer database 13 to determine whether or not the customer ID number registered in advance matches the personal identification number. If the two match as a result of the collation, it is determined that the user is the principal. Subsequently, the host computer 12 transmits the information input / output device 1 of the customer.
Send a message to confirm the contents to 0.

The information input / output device 10 which has received this message transmits the content to the customer and requests a response as to whether the content is correct. The customer who has confirmed the contents inputs the confirmation to the information input / output device 10. In response to this input, the information input / output device 10 transmits a content confirmation response to the host computer 12.

The host computer 12 having received the content confirmation response searches the bank and the deposit account designated by the customer registered in the customer database 13. Subsequently, the host computer 12 transmits a remittance instruction including the bank, the deposit account, and the loan amount to the remittance instruction computer 14 based on the result of the search. At the same time, the host computer 12 transmits a transaction completion message to the customer information input / output device 10 and updates the contents of the customer database 13.

The remittance instruction computer 14 that has received the remittance instruction transmits a transmission instruction including the bank, the deposit account, and the loan amount to the computer 16 of the bank. The computer 16 of the bank that has received the remittance instruction performs the remittance processing if the remittance is to be sent to the head office or branch of the bank, and performs another remittance via the network 18 if the remittance is to be sent to another bank. Transfer the remittance instruction to the computer 20 of the bank.

The computer 20 of another bank which has received the remittance instruction performs the remittance processing if it is a remittance addressed to the head office or branch of the bank. For this reason, the customer of the life insurance company can quickly receive the funds by going to the ATM or the teller of the nearest bank.

Next, based on FIG. 2, the operation when the customer lends a contractor using the real-time remittance instruction system shown in FIG. 1 will be described in detail. FIG. 2 is a diagram showing a time chart for explaining the operation of the real-time remittance instruction system in FIG.

As shown in FIG. 2, the customer of the life insurance company connects the information input / output device 10 to the host computer 12 by making a telephone call from a telephone or a portable telephone or by accessing from a personal computer. In response, the host computer 12 transmits a task selection request to the information input / output device 10 (step S
10). That is, it requests the customer to select which of the plurality of operations to perform. The customer who receives this request selects his / her desired job from the job selection menu. In this example, the customer selects an operation for lending a contractor.

The host computer 12 that has received the job selection requests the information input / output device 10 to transmit a customer ID number (step S11). Then, the customer inputs his / her customer ID number from the information input / output device 10. The information input / output device 10 transmits the input customer ID number to the host computer 12.

Next, the host computer 12 requests the information input / output device 10 to transmit a password (step S).
12). Then, the customer inputs his / her personal identification number from the information input / output device 10. The information input / output device 10 transmits the input personal identification number to the host computer 12.

Next, the host computer 12 requests the information input / output device 10 to transmit the amount that the customer wants to lend (step S13). Then, the customer inputs the desired loan amount from the information input / output device 10. The information input / output device 10 transmits the input desired loan amount to the host computer 12.

Next, the host computer 12 refers to the customer database 13 and determines whether or not these customer ID numbers and passwords match those registered in the customer database 13 (see FIG. 1) in advance. It is checked whether there is (step S14). When the customer ID number and the password do not match (step S14: NG)
The host computer 12 executes the above-described step S1
The processing from the request for the customer ID number in Step 1 is repeated.

If the customer ID number and the password match (step S14: OK), the customer's desired loan amount is
It is checked whether the loan limit for the customer has been exceeded (step S15). This loan limit is also registered in the customer database 13 (see FIG. 1). If the loan limit for the customer has been exceeded (step S15: NG), the process is repeated from the process of requesting the business selection in step S10 described above.

If the customer's desired loan amount does not exceed the loan limit for the customer (step S15: O
K), the host computer 12 transmits a content confirmation request as to whether or not the content is acceptable to the information input / output device 10 (step S16). That is, the client transmits the desired loan amount entered by the customer and the customer's bank and deposit account registered in the customer database 13 to the information input / output device 10. The content of the content confirmation request is transmitted to the information input / output device 10.
If the mobile phone is a telephone or a mobile phone in a mode of transmitting and receiving voice, the customer is notified by voice, and if the mobile phone is a mobile phone in a mode of transmitting and receiving data, the mobile phone is notified by a screen display of the mobile phone and is a personal computer. In this case, the customer is notified by the screen display of the personal computer. The customer who confirms the contents inputs the confirmation to the information input / output device 10. The information input / output device 10 to which the confirmation has been input transmits a confirmation message to the host computer 12.

Next, the host computer 12 updates the customer master file in the customer database 13 (step S17), and sends a transaction completion notification to the information input / output device 10. This transaction completion notification includes the name of the customer, the main branch of the bank to be transferred, the deposit account to be transferred, and the like. The host computer 12 transmits the transaction completion notification to the remittance instruction computer 14 as a remittance instruction.

The remittance instruction computer 14 receiving the remittance instruction transmits the remittance instruction to the computer 16 of the bank (step S20). The computer 16 of the bank that has received the remittance instruction performs the remittance processing if the bank of the remittance is destined for the head office and branch of the bank, and connects the network 18 if the remittance is to another bank. The remittance instruction is transferred to the computer 20 of another bank via the computer.

Based on the remittance instruction, the computer 16 of the bank transfers the loan amount desired by the customer to the designated deposit account at the head office of the bank designated by the customer. Then, the computer 16 of the bank creates a remittance report (step S21) and sends it to the remittance instruction computer 14.

The remittance instruction computer 14 having received the transmission report transmits the confirmation code to the computer 16 of the bank. Computer 16 of the bank that has received the verification code
Then, a confirmation report is created and transmitted to the remittance instruction computer 14 (step S23). Upon receiving this confirmation report, the remittance processing in the remittance instruction computer 14 is completed (step S24).

As described above, according to the real-time remittance instruction system according to the present embodiment, the customer database 13
A remittance instruction computer 14 is provided separately from the host computer 12 which manages the remittance instruction computer 14.
Is used to process the request of the customer who wants to lend in real time, so that remodeling of the host computer 12 can be minimized and real-time remittance can be realized.

That is, the conventional host computer is:
Since the customer's request for a loan was processed in a nightly batch process, it took two to three days for the loan amount to be transferred to a deposit account designated by the customer. To process this customer request in real time, the host computer 12
However, if the system of the host computer 12 is directly changed, a great deal of labor and cost are required. However, in the real-time remittance instructing system according to the present embodiment, the remittance instructing computer 14 for processing the customer's request in real time is separately provided. Can be processed immediately. Therefore, the life insurance company can enhance the customer service.

[Second Embodiment] The second embodiment of the present invention is an example in which the above-described real-time remittance instruction system of the first embodiment is configured more specifically. This will be described in more detail below. Note that, in the following, the first
The same reference numerals are used for the same parts as those in the embodiment, and the detailed description is omitted.

First, the configuration of a real-time remittance instruction system according to a second embodiment of the present invention will be described with reference to FIG. As shown in FIG. 3, the real-time remittance instruction system according to the present embodiment is configured such that the voice response device 30
, A web server computer 32 and a teletouch gateway server computer 34, a host computer 36 and a remittance instruction computer 38 at a point Q, and a gateway server computer 40 at a point R.

The voice response device 30 includes a customer telephone,
A voice or a dial tone of a touch phone is input from a mobile phone in a mode of transmitting and receiving voice. The voice response device 30 transmits voice for transmitting necessary information to a customer to a telephone or a mobile phone in a mode for transmitting and receiving voice. The customer can operate the real-time remittance instruction system by inputting a corresponding number or an amount in response to the inquiry from the voice response device 30.

The web server computer 32 receives data from a customer's personal computer and data from a mobile phone in a mode for transmitting and receiving data. In the present embodiment, the input of data from the personal computer is performed via the Internet.
Further, the web server computer 32 transmits data for transmitting necessary information to a customer to a personal computer or a mobile phone in a mode for transmitting and receiving data. The customer can operate the real-time remittance instruction system by inputting a necessary response or an amount in response to the inquiry from the web server computer 32.

These telephones, portable telephones, and personal computers constitute the information input / output device 10 according to the present embodiment.

The voice response device 30 and the web server computer 32 transmit data from the customer to the teletouch gateway server computer 34. And this teletouch gateway server computer 3
4 transfers the data to the host computer 36. The host computer 36 is a computer having the same function as the host computer 12 in the first embodiment described above.

[0052] Teletouch gateway server computer 34 is also connected to remittance instructing computer 38. The remittance instruction computer 38 is a computer having the same function as the remittance instruction computer 14 in the above-described first embodiment. That is, the remittance instruction computer 38 receives the transaction completion message transmitted from the host computer 36 to the teletouch gateway server computer 34 from the teletouch gateway server computer 34 as a remittance instruction. The remittance instruction computer 38 that has received the remittance instruction transmits the remittance instruction to the gateway server computer 40. The gateway server computer 40 converts the remittance instruction into a communication protocol, and then transmits the instruction to the computer 50 of Bank A.

If the remittance instruction is for the head office of Bank A, the computer 50 of Bank A performs necessary remittance processing. On the other hand, if the remittance instruction is not addressed to the branch office of Bank A, the computer 50 of Bank A transmits the computer 52 of Bank B, the computer 54 of Bank C, the computer 56 of Bank D, or the computer E of Bank E via the network 60. The remittance instruction is transferred to the computer 58 of the bank. That is, the remittance instruction is transferred to the bank specified by the customer. After the remittance has been made to the designated deposit account of the bank designated by the customer, the customer can withdraw the remitted funds from the nearest ATM or counter.

Next, the operation of the real-time remittance instruction system shown in FIG. 3 will be described with reference to FIG. FIG.
It is a figure showing the data flow of this real-time remittance instruction system. Here, as in the first embodiment described above, a case where a customer lends a contractor will be described as an example.

As shown in FIGS. 3 and 4, the customer inputs a “loan request” from the information input / output device 10. This “loan request” includes a customer ID number, a password, a desired loan amount, and the like. This "lending request" is input to the teletouch gateway server computer 34 via the voice response device 30 or the web server computer 32. The teletouch gateway server computer 34 to which the “lending request” has been input transmits a “lending request command” to the host computer 36.

The host computer 36 which has received the "loan request command" compares the customer ID number with the personal identification number, checks the loan limit, and then transmits the "loan request report" to the teletouch gateway server computer. 34
Send to The teletouch gateway server computer 34 that has received the “lending request report” transmits a “request response” to the voice response device 30 or the web server computer 32.

The voice response device 30 or the web server computer 32 which has received the "request response" transmits the content of the response to the information input / output device 10 and requests confirmation of the customer. The customer inputs “loan confirmation” from the information input / output device 10. This “lending confirmation” is transmitted to the teletouch gateway server computer 34 via the voice response device 30 or the web server computer 32.

The teletouch gateway server computer 34 that has received the “lending confirmation” transmits a “lending request confirmation command” to the host computer 36. The host computer 36 that has received the “loan request confirmation command”
Performs a loan process in the host computer 36 and updates the customer master file. Subsequently, the host computer 36 transmits a “lending request confirmation report” to the teletouch gateway server computer 34. This “loan request confirmation report” includes the customer ’s name, the bank designated by the customer,
Includes deposit accounts specified by the customer.

The teletouch gateway server computer 34 that has received the “loan request confirmation report” transmits the “confirmation response” to the voice response device 30 or the web server computer 32, and transmits the “fund transfer request”.
Is transmitted to the remittance instruction computer 38. "Acknowledgment"
Is received by the voice response device 30 or the web server computer 32 to notify the customer that the customer master file has been updated.
And a “confirmation request” is transmitted to the teletouch gateway server computer 34. The teletouch gateway server computer 34 that has received the “confirmation request” transmits a “confirmation command” to the host computer 36 in order to inform that the series of processes has been completed normally. The host computer 36 that has received the "confirmation command" transmits a "confirmation report" to the teletouch gateway server computer 34.

On the other hand, the remittance instructing computer 38 that has received the “fund transfer request” temporarily stores the “fund transfer request” and transmits a “confirmation response” to the teletouch gateway server computer 34.

The remittance instruction computer 38 transmits a “remittance instruction” to the computer 50 of Bank A via the gateway server computer 40. Here, it is assumed that the bank designated by the customer is Bank A.

The computer 50 of Bank A transmits the “remittance report” to the remittance instructing computer 38 via the gateway server computer 40. The remittance instruction computer 38 transmits the “confirmation code” to the computer 50 of Bank A via the gateway server computer 40. The computer 50 of Bank A that has received the “confirmation code” performs a fund transfer process, whereby the fund transfer is completed.

Next, the computer 50 of Bank A transmits a “confirmation report” to the remittance instructing computer 38 via the gateway server computer 40. Above,
A series of processes in the case where the customer of the life insurance company makes a policyholder loan is completed.

As described above, according to the real-time remittance instruction system according to the present embodiment, similarly to the first embodiment described above, the remittance instruction computer 38 is provided separately from the host computer 36 that manages the customer master table. Since the remittance instructing computer 38 is used to process the request of the customer who wants to lend in real time, the real-time remittance can be realized while minimizing the modification of the host computer 36.

In addition, since the “lending request confirmation report” transmitted by the host computer 36 is transmitted from the teletouch gateway server computer 34 to the remittance instructing computer 38 as a “fund transfer request”, the system change of the host computer 36 can be performed. Can be kept to a minimum. That is, since the “loan request confirmation report” includes data such as the name of the customer, the bank to which the customer has designated remittance, and the deposit account thereof, the data is transmitted to the remittance instruction computer 38 as a “fund transfer request”. It was decided to. For this reason, the host computer 36 only needs to transmit the "lending request confirmation report" to the teletouch gateway server computer 34 as in the past, so that even if the system is changed so that the remittance instruction can be made in real time, the host computer 36 is changed. Can be minimized.

In addition to the system change in the teletouch gateway server computer 34, in addition to transmitting the “lending request confirmation report” as the “acknowledgment” to the voice response device 30 or the web server computer 32,
It is only necessary to change the “loan request confirmation report” to be transmitted to the remittance instruction computer 38 as the “fund transfer request”. For this reason, the system change in the teletouch gateway server computer 34 can be minimized.

[Third Embodiment] A third embodiment of the present invention is different from the first embodiment in that a customer of a life insurance company can withdraw a reserve dividend and purchase an investment trust product of the same life insurance company. It was made. This will be described in more detail below.

FIG. 5 is a diagram showing a configuration of a real-time remittance instruction system according to a third embodiment of the present invention. As shown in FIG. 5, the configuration of the real-time remittance instruction system according to the third embodiment of the present invention is the same as that of the above-described first embodiment.

The operation of the real-time remittance instruction system shown in FIG. 5 when the customer of the A-life insurance company withdraws the reserve dividend and purchases the investment trust product of the same A-life insurance company will be described.

The customer of the life insurance company has the information input / output device 1
From 0, a customer ID number, a password and a desired withdrawal amount are input. These input data are transmitted to the host computer 12.

The host computer 12 having received these data refers to the customer database 13 and determines whether or not the customer ID number registered in advance matches the personal identification number. If the two match as a result of the collation, it is determined that the user is the principal. Subsequently, the host computer 12 transmits the information input / output device 1 of the customer.
Send a message to confirm the contents to 0.

The information input / output device 10 that has received this message transmits the content to the customer and requests a response as to whether the content is correct. The customer who has confirmed the contents inputs the confirmation to the information input / output device 10. In response to this input, the information input / output device 10 transmits a content confirmation response to the host computer 12.

The host computer 12 having received the content confirmation response searches the customer's bank and deposit account registered in the customer database 13. Subsequently, the host computer 12 transmits a remittance instruction including the bank, the deposit account, and the withdrawal amount to the remittance instruction computer 14 based on the result of the search. At the same time, the host computer 12 transmits a transaction completion message to the customer information input / output device 10 and updates the contents of the customer database 13.

The remittance instruction computer 14 that has received the remittance instruction transmits a transmission instruction including the bank, the deposit account, and the withdrawal amount to the computer 16 of the bank. The computer 16 of the bank that has received the remittance instruction performs the remittance processing if the remittance is to be sent to the head office or branch of the bank, and performs another remittance via the network 18 if the remittance is to be sent to another bank. Transfer the remittance instruction to the computer 20 of the bank.

The computer 20 of another bank which has received the remittance instruction performs the remittance processing if it is a remittance to the head office or branch of the bank. For this reason, the A-life insurance company can promptly receive the price of the investment trust product by going to the ATM or the teller of the nearest bank.

As described above, according to the real-time remittance instruction system according to the present embodiment, similar to the first embodiment described above, the remittance instruction computer 14 is provided separately from the host computer 12 that manages the customer database 13. Since the remittance instructing computer 14 is used to process the request of the customer who wishes to withdraw in real time, real-time remittance can be realized with minimal modification of the host computer 12.

[Fourth Embodiment] The fourth embodiment of the present invention is the same as the first embodiment, except that the customer of the life insurance company lends a contractor and transfers the funds to a third-party deposit account. Is made possible. This will be described in more detail below.

FIG. 6 is a diagram showing a configuration of a real-time remittance instruction system according to a fourth embodiment of the present invention. As shown in FIG. 6, the configuration of the real-time remittance instruction system according to the fourth embodiment of the present invention is the same as that of the above-described first embodiment. However, in this embodiment,
Bank computer 16 or other bank computer 2
At 0, funds are transferred to a third-party deposit account.

FIG. 7 shows the data format of the remittance data included in the remittance instruction transmitted from the remittance instruction computer 14 to the bank computer 16, the data format of the transfer message generated by the bank computer 16,
It is a figure which shows the bankbook image of the transfer person at the time of transfer using this.

As shown in FIG. 7, the transmission data transmitted from the remittance instructing computer 14 to the bank computer 16 includes destination bank information 70 as a transfer source, destination bank information 72 as a transfer destination, A remittance amount 74 and an optional item 76 are included. The destination bank information 70 includes the bank code 70a of the transfer source and the branch code 70b of the transfer source.
Transfer source deposit type 70c and transfer source account number 70
d. The destination bank information 72 includes a bank code 72a of the transfer destination, a branch code 72b of the transfer destination,
Deposit type 72c of transferee and account number 72d of transferee
And the transferee's account name 72e. The remittance amount 74 stores the amount to be transferred to the transfer destination. The optional item 76 stores the name and the like of the transfer client.

The transfer message in the computer 16 of the bank includes transfer requester information 80, payee information 82, and a remittance amount 84. The transfer requester information 80 includes
The bank code 80a of the transfer source and the branch code 80 of the transfer source
b, deposit type 80c of the transfer source, and account number 8 of the transfer source
0d and the transfer requester 80e. The payee information 82 includes a bank code 82a of the transfer destination, a branch code 82b of the transfer destination, a deposit type 82c of the transfer destination, an account number 82d of the transfer destination, and an account name 82e of the transfer destination. I have. The remittance amount 84 stores the amount to be transferred to the transfer destination.

Each item of the destination bank information 70 in the remittance data basically corresponds to each item of the transfer requester information 80 in the transfer message, but the transfer requester 80e in the transfer message is optional in the transfer data. Item 7
6 is supported. That is, optional item 7 of remittance data
The name of the transfer requester stored in No. 6 is inserted into the transfer requester 80e of the transfer message.

Each item of the destination bank information 72 in the remittance data and each item of the recipient information 82 in the transfer message are
Each corresponds. Remittance amount 7 in remittance data
4 corresponds to the remittance amount 84 in the transfer message.

When a transfer is made to a third-party deposit account in such a data format, the transfer requester 80e
Is recorded in the recipient's passbook. In this example, the first 10 to 15 bytes of the data stored in the transfer requester 80e are printed in the "refund amount" column of the passbook.
That is, information that can identify the transfer requester is printed on the passbook.

As described above, according to the present embodiment, a customer of a life insurance company can borrow a policy from a life insurance company and transfer the funds to a third-party deposit account. For this reason, a financial institution such as a life insurance company that does not have a settlement function can obtain substantially the same effect as having a settlement function for customers.

Further, the name of the transfer requester is stored in the optional item 76 in the remittance data, and this data is taken in as the transfer requester 80e in the computer 16 of the bank. A person's name can be printed. This makes it easy for the recipient to know from whom the funds were transferred.

The present invention is not limited to the above embodiment, but can be variously modified. For example, in the above-described second embodiment, as shown in FIG. 8, the function of the transmission instruction computer 38 (see FIG. 3) is provided to the teletouch gateway server computer 34A, and the transmission instruction computer 38 is omitted. It is also possible. FIG.
As shown in FIG.
The function of (see FIG. 3) may be provided in the remittance instruction computer 38A, and the gateway server computer 40 may be omitted.

Further, in each of the above-described embodiments, FIG.
As shown in FIG. 0, the host computer 12A may have the function of the remittance instruction computer 14 (for example, see FIG. 1), and the remittance instruction computer 14 may be omitted.

Further, in each of the above-described embodiments,
A life insurance company is an example of a financial institution without a settlement function, and is not limited to this. A bank is an example of a financial institution having a settlement function, and is not limited to this. Further, the present invention can be applied between financial institutions having no settlement function or between financial institutions having a settlement function. Further, the real time in the present invention means that the processing is normally performed instantaneously or in a matter of seconds to several minutes, for example, and is not a batch processing.

Further, in the above-described embodiment, a case where a customer of a life insurance company lends a contractor or a case where a customer of a life insurance company withdraws a reserve dividend and purchases an investment trust product has been described. However, the present invention is not limited to this, and the present invention can be applied to any remittance processing. Further, in the above-described embodiment, the case where remittance is performed to a bank account is described. However, in the case of a post office, remittance is performed to a savings account. However, this is not essentially different for realizing the present invention.

Further, with respect to each processing described in the above embodiment, a program for executing each processing is stored in a floppy disk or CD-ROM (Compact Disc-R).
It can be recorded on a recording medium such as an eadOnly Memory and distributed in the form of a recording medium. In this case, the above-described embodiment can be realized by causing a computer to read and execute a recording medium on which the program is recorded.

The computer may include another program such as an operation system or another application program. In this case, another program included in the computer may be used, and an instruction may be recorded on the recording medium to call a program that realizes processing equivalent to that of the present embodiment from among the programs included in the computer. .

Further, such a program can be distributed not as a recording medium but as a carrier through a network. A program transmitted in the form of a carrier wave over a network is taken into a computer, and the above-described embodiment can be realized by executing the program.

[0094] When a program is recorded on a recording medium or transmitted as a carrier over a network, the program may be encrypted or compressed.
In this case, the computer which has read the program from the recording medium or the carrier wave needs to execute the program after decoding and decompressing the program.

[0095]

As described above, according to the present invention,
Since the first computer serving as the host computer and the second computer for outputting the remittance instruction in real time are separately provided, the remittance of the customer in real time can be performed while minimizing the system change of the existing first computer. It can be changed to perform processing.

[Brief description of the drawings]

FIG. 1 is a diagram showing a hardware configuration of a real-time remittance instruction system according to a first embodiment of the present invention.

FIG. 2 is a flowchart showing the operation of the real-time remittance instruction system in FIG. 1;

FIG. 3 is a diagram showing a hardware configuration of a real-time remittance instruction system according to a second embodiment of the present invention.

FIG. 4 is a diagram showing a time chart for explaining the operation of the real-time remittance instruction system in FIG. 2;

FIG. 5 is a diagram showing a hardware configuration of a real-time remittance instruction system according to a third embodiment of the present invention.

FIG. 6 is a diagram showing a hardware configuration of a real-time remittance instruction system according to a fourth embodiment of the present invention.

FIG. 7 shows a data format of a remittance instruction output by a remittance instruction computer in the fourth embodiment, a data format of a transfer message generated by a bank computer,
The figure which shows the passbook image of a payee.

FIG. 8 is a diagram showing a modification of the real-time remittance instruction system according to the second embodiment of the present invention.

FIG. 9 is a diagram showing another modification of the real-time remittance instruction system according to the second embodiment of the present invention.

FIG. 10 is a diagram showing a modification of the real-time remittance instruction system according to the first to fourth embodiments of the present invention.

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 10 Information input / output device 12 Host computer (1st computer) 13 Customer database 14 Remittance instruction computer (2nd computer) 16 Bank computer (3rd computer) 17 Customer database 18 Network 20 Computers of other banks 21 Customer database 34 Tele Touch gateway server computer (fifth computer) 40 gateway server computer (fourth computer)

Claims (9)

[Claims] 1. An information input / output device operated by a customer inputs customer identification information for confirming that the customer is an identity, collation is performed based on the customer identification information to determine whether or not the customer is an identity, and the collation result is obtained. Output a remittance instruction input from the information input / output device when it is determined that the user is the principal;
A first computer, the remittance instruction output from the first computer being input, and outputting the remittance instruction in real time;
A real-time remittance instruction system, comprising: a computer; and a third computer to which the remittance instruction output from the second computer is input and which performs a real-time remittance process based on the remittance instruction. 2. The customer is a customer of a financial institution without a settlement function, the first computer is provided at the financial institution without the settlement function, and the third computer is a financial institution with a settlement function The real-time remittance instruction system according to claim 1, wherein the system is provided in a real-time remittance instruction system. 3. The real-time remittance according to claim 1, wherein a fourth computer that performs communication protocol conversion is provided between the second computer and the third computer. Instruction system. 4. The information input / output device of the customer and the first
A fifth computer is provided between the computer and the fifth computer. The first computer transmits a transaction completion message having data necessary for remittance processing to the fifth computer. The real-time remittance instruction system according to any one of claims 1 to 3, wherein a message is transmitted to the second computer as the remittance instruction. 5. The method according to claim 1, wherein the customer can issue a remittance instruction to a designated account of a designated financial institution registered in advance on the first computer. Real-time remittance instruction system described in Crab. 6. The real-time remittance instruction according to claim 1, wherein the customer can designate a remittance institution and an account each time the remittance instruction is issued. system. 7. The remittance instruction output from the first computer includes transfer requester identification information for specifying the transfer requester, and the transfer requester identification information is notified to the recipient. 7. The real-time remittance instruction system according to claim 5, wherein the receiver can specify the transfer requester. 8. The first computer inputs customer identification information for confirming the identity of the customer from an information input / output device operated by the customer, and checks whether or not the customer is the identity based on the customer identification information. Outputting the remittance instruction input from the information input / output device from the first computer if the collation is determined as the result of the collation; and transmitting the remittance instruction output from the first computer to the A step of inputting the remittance instruction to the second computer and outputting the remittance instruction from the second computer in real time. The remittance instruction output from the second computer is input to a third computer, and based on the remittance instruction,
A step in which the third computer performs a remittance process in real time. 9. A method according to claim 1, wherein the information input / output device operated by the customer checks whether or not the customer is himself / herself based on the customer identification information input thereto. If it is determined that there is, the first computer outputs a remittance instruction input from the information input / output device, and the second computer outputs the remittance instruction input from the first computer in real time. And a step of causing a third computer to perform a real-time remittance process based on the remittance instruction input from the second computer. Possible recording medium.