JP2001243400A - Account management system using related accounts - Google Patents

Abstract

(57) [Summary] (Modified) [Problem] An issue is to flexibly manage the transfer of funds related to user accounts of financial institutions. SOLUTION: A storage means 1 stores account information of a related account 4 linked to a plurality of user accounts, and a settlement means 2 comprises:
Using the related account 4 as a contract account for the transaction, money information related to the transaction is transferred from the related account 4 to one of a plurality of user accounts. Using this account management system, the user accounts of a plurality of credit card non-member stores are linked to the related account 4, and if the total amount of sales of those non-member stores exceeds a certain amount, the related account 4 is credited. It can be used as a trading account with a card company. Therefore, even a non-credit card store can receive payment by a credit card.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an account management system for managing the transfer of funds through a contract account of a user in a financial institution or the like.

[0002]

2. Description of the Related Art At present, in a credit service provided by a credit card company, a personal store, a micro enterprise, and the like whose sales are small may not be able to become a credit card member store. Such sellers,
Not surprisingly, you pay for the products and services you provide,
It cannot be received by the buyer's credit card.
Therefore, there is a problem that the opportunity of dealing with a buyer who wishes to pay by credit card is lost, and the expansion of sales is suppressed.

[0003] Further, in the conventional bank transfer, since the transferable time period is limited to a time period in which the bank account can be accessed (for example, during the business hours of the bank), the user cannot use the business hours of the bank. The transfer must be made according to. Therefore, there is a problem that transfer cannot be performed at night or on holidays.

[0004] However, in the United States, there is already a service that accepts a transfer from a user even at night or on holidays. In this service, the contents of a transaction requested by a user are temporarily saved and then taken out when a banking operation is started, and the transaction is performed on behalf of the user.

[0005] In the conventional fund settlement by bank transfer, the destination bank of the transfer transfers funds to the transfer destination account of the destination bank every time a transfer request is made from a user. At the destination bank, as soon as the transfer funds arrive, they are deposited in the transferee account.

According to such a transfer method, the intention of the receiver who is the holder of the transfer account is not considered at all,
Funds from a large number of clients are deposited into the transfer destination account every moment, and there is a problem that payment management is troublesome for the recipient. Here, the payment management means managing who has received the payment and who has not yet received the payment, and accurately reminds the person who has not yet received the payment (transfer) again.

An object of the present invention is to allow a credit card non-member store to receive payment by a credit card, make a bank transfer even at night or on a holiday, and to simplify the deposit management of a transfer destination account. An object of the present invention is to provide an account management system that flexibly manages the transfer of funds.

[0008]

FIG. 1 is a diagram showing the principle of an account management system according to the present invention. The account management system of FIG. 1 includes a storage unit 1 and a settlement unit 2, and performs settlement using a financial institution that manages an account having money information.

[0009] The storage means 1 stores account information of a related account 4 linked to the user account 3, and the settlement means 2 transfers money information between the related account 4 and the user account 3, Settle the account 3.

The related account 4 is provided in association with the user account 3 and stores funds that should be stored in the user account 3 originally. The fund to be stored in the user account 3 means, for example, a part of the balance of the user account 3 or a fund deposited / transferred to the user account 3. The account information of the related account 4 includes, for example, identification information such as an account number, monetary information such as a balance, and link information for linking the related account 4 and the user account 3. As the link information, the account number of the user account 3 and the like are used.

The settlement means 2 uses the information stored in the storage means 1 to access the account information of the user account 3 from the related account 4 and to transfer money information from the related account 4 to the user account 3. And transfer money information from the user account 3 to the related account 4, and perform the deposit / withdrawal processing of the user account 3. In this way, by providing the related account 4 linked to the user account 3 separately from the user account 3, it is possible to flexibly manage the transfer of funds between the user account 3 and the outside.

For example, the storage unit 1 stores account information of a related account 4 linked to a plurality of user accounts, and the settlement unit 2 uses the related account 4 as a contract account for a transaction and stores monetary information related to the transaction. Transfer from the related account 4 to one of the plurality of user accounts.

Using this account management system, user accounts of a plurality of credit card non-member stores are linked to the related account 4, and if the total sales of those non-member stores exceed a certain amount, the related account 4 can be used as a transaction account with a credit card company. Therefore,
Credit card non-member stores will also be able to receive credit card payments.

Further, the settlement means 2 integrates the monetary information of the related account 4 and the user account 3 and performs the settlement for the user account 3. Even if the user account 3 cannot be used at night or on holidays, if this account management system enables settlement using the related account 4, payment / transfer to the user account 3 can be performed for the related account 4. It can be replaced by deposit / transfer. Then, when the user account 3 becomes available, the settlement history of the related account 4 may be reflected in the account information of the user account 3.

The settlement means 2 temporarily stores money information to be transferred from a plurality of payment sources to the user account 3 in the related account 4, and collects the money information of the related account 4 into the user account 3. Relocate. Using this account management system, transfer funds from a large number of transfer requesters to the user account 3
, And can be collectively paid to the user account 3 at a predetermined date and time. Therefore, payment management of the transfer destination account is simplified.

For example, the storage means 1 in FIG. 1 corresponds to the memory 82 or the external storage device 85 in FIG. 9, and the settlement means 2 in FIG. 1 includes a CPU (central processing unit) 81 and a memory 8 in FIG.
Corresponds to 2. Also, for example, the user account 3 in FIG.
The sellers 13-1, 13-2,. . . , 13-n, the real account 33 in FIG. 4, or the transfer account 53 in FIG. 6, the related account 4 in FIG. 1 is the joint account 12 in FIG. 2, the sub-account 32 in FIG. Or pool account 5 in Figure 6
Corresponds to 2.

[0017]

Embodiments of the present invention will be described below in detail with reference to the drawings. The account management system according to the present invention links accounts of a plurality of sellers to one common account, and performs transactions with a credit card company using the common account as a representative account (transaction account). Even micro-enterprises that cannot participate in the credit service can handle credit cards if two or more jointly have one common account, since the transaction amount with the credit card company becomes a certain amount or more.

Further, the account management system assigns a sub-account linked to the main account to be accessed to a FEP (front end) so that a transaction request from a user can be accepted even after the account access by the online processing is completed. pr
ocessor) or generated on an offline server or the like. Then, an off-line transaction request is received via the sub-account, and at the time of starting the on-line operation, the contents of the off-line transaction received are reflected in the main account. As a result, a 24-hour service can be provided for the main account.

Further, the account management system generates a pool account linked to the transfer destination account in the destination bank, and temporarily pools the transfer funds in the pool account. And
Deposit funds in the pool account to the transfer account at regular intervals. As a result, the recipient of the transfer funds will be able to collectively receive transfers from many users,
The complexity of payment management is eliminated.

Next, the configuration and operation of such an account management system will be described more specifically. First, an account management system using a joint account as shown in FIG. 2 will be described. In FIG. 2, a plurality of sellers 13-1, 13-
2,. . . , 13-n correspond to stores and the like that do not belong to the credit service, and provide goods or services to the purchaser 14 as a customer in exchange for the price.

These sellers 13-1 and 13-
2,. . . , 13-n provide the financial institution with a joint account 12 to be used jointly so that the purchaser 14 can receive payment by credit card. The financial institution makes a transaction contract with the credit card company 11 using the joint account 12 as a transaction account, and makes a contract for guaranteeing payment to each seller.

Each seller, when receiving a payment by a credit card from the purchaser 14, indirectly bills the credit card company through the joint account 12. At this time, each seller makes a payment request for the card usage amount to the joint account 12, and the financial institution collectively requests the credit card company 11 for the payment from each seller. Then, when the payment is received from the credit card company 11, the collected money is deposited and managed in the joint account 12, and is used for payment to each seller.

FIG. 3 is a block diagram of the account management system of FIG. The account management system of FIG. 3 is configured using a computer, and includes account information 21 of a joint account 12, a link account table 22, and sellers 13-1, 13-.
2,. . . , 13-n individual account information 23-1,
23-2,. . . , 23-n.

The account information 21 includes account numbers, holder information,
It includes a pointer 24 to the link account table 22 and billing information. The account number is identification information of the account, and the holder information is identification information such as the account holder's name, address, and contact information. Here, for example, the financial institution having the joint account 12 becomes the holder and manages the funds of the joint account 12. The pointer 24 specifies the address of the storage area where the link account table 22 is stored, and the billing destination information is the credit card company 11-1, 11-
2,. . . , 11-k and the like.

The link account table 22 stores the joint account 12
The correspondence between the identifier of the individual account and the account number linked to is stored to manage each individual account. Account information 23-1,
23-2,. . . , 23-n are account numbers,
Nominee information, balance, joint account usage information, billing information,
Includes card sales management information. Here, the seller 13-
1, 13-2,. . . , 13-n are stored as holder information, and the balance represents the balance of the individual account fund.

The joint account use information includes, for example, information as shown in FIG. In FIG. 4, the account number of the joint account represents the account number of the linked joint account 12, and the identifier of the individual account represents the identifier of the corresponding individual account.
The total amount during the billing process is credit card company 1
1-1, 11-2,. . . , 11-k represents the sum of the amounts charged by the seller, and the total amount of the transfer is the credit card companies 11-1, 11-2,. . . , 11
-K represents the total amount of money transferred.

As shown in FIG. 5, the payment request information includes the number of credit card companies and management information of the first to k-th credit card companies. Each management information is, for example, as shown in FIG. Contains information. The number of credit card companies represents the number of managed credit card companies, and is set to k here.

In FIG. 6, the sales amount represents the total amount of sales, the number of sales represents the number of individual sales included in the sales amount, the sales start date represents the date when the oldest sales occurred, The last sales day indicates the date on which the most recent sales occurred.

Further, the total amount during the payment request represents the total amount charged by the seller to the corresponding credit card company, and the number of history management tables indicates the number of records in the subsequent history management table. Represent. Here, the number of payment history management tables is set to 1. No. 1
-No. Each record 1 includes information on the amount of the bill, the number of bills, the bill date, the sales start date, and the sales final date.

The total amount of money transferred indicates the total amount of money transferred from the corresponding credit card company, and the number of history management tables indicates the number of records in the following history management table. Here, the number of transferred history management tables is set to l. No. 1 to No. Each record 1 includes information on a transfer amount, an application number, and a transfer date and time. The reconciliation number is used for reconciliation management relating to the payment request made.

The card sales management information includes first to l-th sales information as shown in FIG. 7, and each sales information includes, for example, information as shown in FIG. In FIG. 8, the sales date and time represent the date and time when the corresponding sales occurred, the sales amount represents the amount of the sales,
The sales merchandise information indicates information such as merchandise included in the sales.

The credit card company information indicates the information of the credit card company corresponding to the used card, and the card number indicates the card number. Also,
The owner information indicates the name, telephone number, etc. of the owner of the card, the presence or absence of identity confirmation indicates whether or not the purchaser 14 has been confirmed as the owner, and the expiration date indicates the validity of the card. Indicates the expiration date.

The payment information is set at the time of sales,
Includes the split method and payment date confirmed at the time of sales. Of these, the split method indicates whether the sales amount is paid once or in several installments, and the payment period is paid on a regular date, paid at the bonus period, or the payment method for those. Indicates whether to use together.

The accumulated payment amount is set at the time of receiving the transfer, and the amount transferred from the credit company is added to this item. The balance represents the result of subtracting the total amount of payment from the sales amount, and in the case of one-time payment, becomes zero when the payment is made.

The payment date and time information is set at the time of receiving the transfer and includes the payment date of the first transfer and the latest payment date. Payment management status indicates the status of payment delays,
Set when a payment delay occurs and cleared when the transfer is successfully completed.

In such an account management system, first, when the purchaser 14 pays with a credit card at the store of the seller, the seller makes a payment request to the joint account 12 of the credit service managed by the financial institution. Do.
In response, the account management system refers to the account information 21 and makes a payment request to the credit card company described in the billing destination information. At this time, the billing information is generated by adding the identifier of the corresponding individual account to the billing amount for each seller, and transmitted to the credit card company.

The credit card company subtracts the commission from each billing amount included in the billing information, transfers the remaining amount to the joint account 12 as a payment amount, and pays (settles).
I do. At this time, the transfer is performed using the identifier of the individual account added to each billed amount and the account number of the joint account 12 as the transfer identifier.

The account management system uses the link account table 2 with the identifier of the individual account included in the transfer identifier as a key.
2 to obtain the account number of the corresponding individual account.
Then, the amount paid by the credit card company is added to the interest during the stagnation period, the common account usage fee is deducted, and the corresponding individual account is paid.

The account management system manages sales on behalf of each seller by using the billing information and the card sales management information of each individual account. Then, based on the information, the sales amount and the like within a certain period are calculated and notified to the seller. This eliminates the need for the seller to calculate sales through the joint account 12.

In the above description, it is assumed that payment by credit card is performed using the joint account 12, but generally, the joint account 12 transfers funds from a payer to a plurality of payees. It can be used in such cases. In this case, the account management system bills the corresponding payer on behalf of the credit card company.

Next, an account management system using a sub-account as shown in FIG. 9 will be described. In FIG. 9, a user 31 makes a transaction with the main account 33 via a sub-account 32 linked to the main account 33, and the account management system integrates the funds of the sub-account 32 and the main account 33, The settlement for the account 33 is performed. Once created, the sub-account 32 is operated for 24 hours until it is deleted.

For example, when the user 31 makes a deposit / transfer to the main account 33, the user 31 makes a deposit / transfer to the sub-account 32 and receives a deposit / transfer statement from the sub-account 32. Thereafter, payment is made from the sub-account 32 to the main account 33. When the user 31 withdraws from the main account 33, the user 31 makes a payment request to the sub-account 32 and receives payment and payment details from the sub-account 32. Then, if necessary, sub account 3
2 is withdrawn.

FIG. 10 is a block diagram of the account management system of FIG. The account management system of FIG. 10 is configured using a computer, and includes account information 41 of a sub account 32 and account information 42 of a main account 33.

The account information 41 includes account numbers, holder information,
Includes balance, account number of the account, account management status, and schedule information. Further, the account information 42 includes an account number, a holder information, a balance, an account number of the sub-account 32, an account management status, and schedule information. Normally, the holder information of the account information 42 is set as the holder information of the account information 41, and the amount added to the balance of the account information 41 is automatically deducted from the balance of the account information 42.

The account management status of the account information 41, 42 includes, for example, binary (0/1) flags 45-1, 45-2, and 45-3 as shown in FIG. The flag 45-1 indicates whether the corresponding account is usable, the flag 45-3 indicates whether the corresponding account is the real account 33 or the sub-account 32, and the flag 45-2 indicates whether the corresponding account is real. In the case of the account 33, it indicates whether or not it has the sub account 32.

When the flag 45-1 indicates that the account cannot be used, the unusable account is switched to the other account, and the account to be switched is used.
That is, if the main account 33 cannot be used, the sub account 32 is switched to the sub account 32. If the sub account 32 cannot be used, the sub account 32 is switched to the main account 33.

The schedule information of the account information 41 indicates a schedule of processing for integrating the money information of the sub-account 32 into the money information of the main account 33, and the schedule information of the account information 42 indicates the money information of the main account 33. Sub account 3
2 represents the schedule of the process of moving to the second process. These schedule information describes the date and time or cycle at which the money information is integrated / transferred to the transfer destination account.

When the account information 42 cannot be accessed online and the main account 33 cannot be used, the account management system uses the account information 41 of the sub-account 32 generated in the FEP or the offline server or the like. , ATM
(Automatic teller machine) or a transaction request sent from a terminal such as a personal computer, and performs necessary settlement. When the main account 33 is usable, the account management system performs necessary settlement using the account information 42 of the main account 33, and suppresses settlement using the sub-account 32.

First, it is assumed that the account information 41 has already been generated, and the user 31 has made a request to deposit cash into the main account 33. In this case, the account management system adds the amount corresponding to the cash deposited to the balance of the account information 41 and deposits the same in the sub-account 32. And user 3
Transaction information 43 including identification information, transaction type (payment), transaction amount, etc. is generated, and is issued to the user 31 via the terminal as a payment receipt.

When the account information 41 has already been generated and the user 31 requests an account transfer to the real account 33, the account management system sets the amount of the transfer to the account information 41.
, And deposit it in the sub-account 32 at a future date. Then, it generates transaction details information 43 including the identification information of the user 31, the type of transaction (transfer), the transaction amount, the account number of the account of the user 31 as the transfer source, and the like, and uses the terminal device as the payment details. It is issued to the user 31 via. Thereafter, when the main account 33 becomes usable, the transfer amount is withdrawn from the account of the user 31 based on the transaction statement information 43.

Instead of depositing the sub-account 32 at a future date,
There is also a method of storing the transaction statement information 43 together with the account information 41. In this case, when the main account 33 becomes available, the account management system withdraws the transfer amount from the account of the user 31 based on the transaction statement information 43, and adds it to the balance of the account information 42. , And deposit it in the main account 33.

If the account information 41 has not been generated, the account management system temporarily generates the account information 41,
A similar deposit / transfer process is performed. Then, the main account 33 becomes usable, and after the funds of the sub-account 32 are transferred to the main account 33, the account information 41 is deleted.

When the account information 41 has already been generated and the user 31 requests cash withdrawal (payment) from the real account 33, the account management system deducts the withdrawal amount from the balance of the account information 41. And sub-account 3
Withdraw from 2. Then, transaction details information 4 including identification information of the user 31, transaction type (withdrawal), transaction amount, and the like.
3 is generated and issued to the user 31 via the terminal as a payment statement. When the balance of the account information 41 is insufficient, the loan is performed within the range of the credit of the user 31 in the balance of the main account 33 set in the account information 41.

When the main account 33 becomes usable, the account management system transfers funds from the sub-account 32 to the main account 33 in accordance with the above-mentioned deposit / transfer processing. First,
If the sub-account 32 is temporarily generated, the balance of the account information 41 and the transaction statement information 43 are transferred to the main account 33, and the amount is added to the balance of the account information 42. Then, when the transfer of funds is normally completed, the account information 41 is deleted, and a payment notice is issued to the receiver 44 who is the holder of the main account 33. The recipient 44 may or may not be the user 31 itself.

When the sub-account 32 is to be operated continuously thereafter, the account management system transfers the fund of the sub-account 32 and the transaction details information 43 to the main account 33 based on the schedule information of the account information 41. . The recipient 44 can specify the schedule information. For example, the recipient 44 can specify the date and time of the payment to the main account 42, or can perform the periodic information every fixed period (hourly, daily, weekly, monthly, etc.). Or specify a deposit.

Further, when the main account 33 is usable, the account management system performs a deposit / withdrawal process of the main account 33 in response to a deposit / transfer / withdrawal request from the user 31. At the time of withdrawal, if the balance of the main account 33 is insufficient, the funds of the sub account 32 which is continuously operated are automatically transferred. If the sub-account 32 is not operated continuously, payment is made with the balance of the main account 33 as an upper limit.

Next, an account management system (application management system) using a pool account as shown in FIG. 12 will be described. In FIG. 12, a plurality of payers 51-1,
51-2,. . . , 51-n make a transfer (remittance) from the destination bank to the destination account 53 of the destination bank, the transfer funds are transferred to the pool account 52 linked to the destination account 53.
Is once pooled. At this time, a notice of the completion of the transfer is sent to payers 51-1, 51-2,. . . , 51-n. And when the predetermined deadline comes,
The money information of the pool account 52 is transferred to the transfer account 53,
A payment notice is issued to the receiver 54 as the holder.

For example, the payee 54 is a seller of goods or services, and payers 51-1, 51-2,. . . ,
If 51-n is a purchaser, each payer must transfer money within the time specified by payee 54. In this case, the money transferred is once pool account 5
2 and pooled until the seller's designated payment date.
Then, on the designated payment date, the funds transferred between the previous designated date and the current designated date are collectively transferred and designated to the designated account 53 of the seller.

At this time, funds from an unspecified number of purchasers are collectively paid to the designated account on the designated date, and the receivable clearing management is automatically performed by the account management system. For this reason, the burden on the seller is reduced, and the money management becomes simple, clear, and efficient as compared with the case where the money is individually paid from each purchaser.

FIG. 13 is a block diagram of the account management system of FIG. The account management system of FIG. 13 is configured using a computer, and uses u1,. . . , Ui, the transfer details information group 61-1,. . . , 61-i, pool account 52
Account information 63, a transfer management table 66-1,. . . ,
66-i, and account information 67 of the transfer destination account 53.

The transfer details information group 61-1 of the use u1 is composed of the control unit 62-0 and the transfer details information 62-1, 62-.
2,. . . , 62-k, and payers 51-1, 51
−2,. . . , 51-k. The control unit 62-0 includes information such as the number of transfer statement information, the number of applied transfer statement information, the number of unapplied transfer statement information, and the number of transfer pending transfer statement information. The application pending indicates a case where confirmation processing is required because the transfer details information does not match the information in the transfer management table.

The transfer details information 62-1 and 62-
2,. . . , 62-k are payers 51-1, 51-
2,. . . , 51-k is generated when a transfer request is made to the transfer destination account 53, and information (name, address, telephone number, etc.) of the transferor (payer), transfer amount, transfer destination account 5
3, account number, usage (information on purchased products / services), transfer date and time, transfer mode (account transfer, cash transfer, check transfer, etc.), fund transfer mode (whether or not funds have been transferred to the transfer destination account 53) ), Application mode (applied, unapplied, or application pending).

Here, for the use u1, the payer 51
-1, requesting an account transfer using the individual account 60-1 as a transfer source, the payer 51-2 requesting a cash transfer, and the payer 51-k transferring the individual account 60-k. You have requested an account transfer as the source.

The same transfer statement information group 61-i is generated for the application ui. Here, payer 51
-K requests an account transfer using the individual account 60-k as a transfer source, and the payer 51-l requests an account transfer using the individual account 60-l as a transfer source, and the payer 51-n
Has requested a cash transfer. In this way, each payer can make a transfer request for a plurality of different uses.

The account information 63 includes account numbers, holder information,
Balance, account number of transfer destination account 53, pointer 64 to transfer details information, pointer 65 to transfer management table 66,
And schedule information. The pointer 64 indicates the transfer details information group 61-1,. . . , 61-i are specified, and the pointer 65 points to the transfer management tables 66-1,. . . , 66-i are designated.

The schedule information is stored in the pool account 5
2 represents a schedule for transferring funds from the second transfer account to the transfer destination account 53, and includes date management information for specifying a time for transferring the transferred funds collectively. For example, every month on the 10th, every month 20
When the date is designated as the end of each month, funds transferred up to the day before the designated date are collected together with interest on the designated date and added to the balance of the account information 67. As described above, the transfer of funds corresponds to the processing of transferring money information.

The transfer management tables 66-1,. . . , 66
−i is the estimated amount of money to be transferred based on the sales information, the information of the transferee, the transfer term (date), the transfer purpose (product / sales
, And manages a transfer schedule to the transfer destination account 53 for each application.

Account information 67 includes account number, holder information,
Including the balance and the account number of the pool account 52. Normal,
The holder information of the account information 67 is set as the holder information of the account information 63, and the amount deducted from the balance of the account information 63 is automatically added to the balance of the account information 67.

When a transfer request is made from the payer, the account management system sets the transfer details information group 61-
1,. . . , 61-i, the pointer 64 is set to the account information 63, and the transfer amount is added to the balance of the account information 63. As the pointer 64, for example, the transfer details information group 61-1,. . . , 61-i.

Next, the account management system sets the pointer 65
, The transfer management tables 66-1,. . . , 66-i
Refer to, and perform the application process of the transfer schedule. At this time,
The transfer amount of each transfer detail information is stored in the transfer management table 66-
1,. . . , 66-i, and if they match, write the applied information to the transfer details information. If there is no transfer schedule corresponding to the transfer details information, the information of the application pending is written in the transfer details information.

Next, with reference to the schedule information in the account information 63, it is determined whether or not the current date corresponds to a designated date on which funds are to be transferred. If the current date corresponds to the designated date, the balance of the account information 63 is set to 0, the interest during the pool period is added to the amount, and the pool account usage fee is deducted. Then, the obtained amount is added to the balance of the account information 67, and the funds are transferred to the transfer destination account 53.

At this time, the transfer details information group 61-
1,. . . , 61-i, the reconciliation results 68-1,. . . , 68
Generate i and issue them to the recipient 54 as a payment notification.

The recipient 54 can designate schedule information of fund transfer, for example, designates the date and time of deposit to the transfer destination account 53, or designates periodic deposit at regular intervals. In addition, the recipient 54 sets the reconciliation result 68
-1,. . . , 68-i can be specified separately from the schedule information.

Next, an account management system (fund transfer management system) using a pool account as shown in FIG. 14 will be described. In FIG. 14, a plurality of payers 71-1,
71-2,. . . , 71-n are transferred from the destination bank to the destination account 73-1,. . . , 73-j, the transfer funds are temporarily pooled in a pool account 72 linked to these transfer destination accounts. At this time, a notice of the result of the transfer completion is sent to payers 71-1 and 71-
2,. . . , 71-n.

Then, when a predetermined time limit is reached, the money information of the pool account 72 is transferred to the transfer destination account 73-
1,. . . , 73-j and their holders, recipients 74-1,. . . , 74-j.

FIG. 15 is a block diagram of the account management system of FIG. The account management system of FIG. 15 is configured using a computer, and includes the transfer destination accounts 73-1,. . . , 7
3-j corresponding to the transfer details information group 81-1,. . . , 8
1-j, account information 83 of the pool account 72, funds transfer statements 86-1,. . . , 86-j and the transfer destination account 73
-1,. . . , 73-j account information 87-1,. . . ,
87-j.

Transfer account information group 8 for transfer account 73-1
1-1 is the control unit 82-0 and the transfer statement information 82-1, 8
2-2. . . , 82-k, and payers 71-1,
71-2,. . . , 71-k. The control unit 82-0 includes information such as the number of transfer details information.

Further, the transfer details information 82-1 and 82-
2,. . . , 82-k are payers 71-1 and 71-
2,. . . , 71-k is generated when a transfer request is made to the transfer destination account 73-1 and information (name, address, telephone number, etc.) of the transferor (payer), transfer amount, transfer destination account 73-k. 1 includes information such as account number, transfer reason, transfer date and time, transfer mode (account transfer, cash transfer, check transfer, etc.).

Here, the transfer destination account 73-1 is
The payer 71-1 requests an account transfer using the individual account 80-1 as a transfer source, the payer 71-2 requests a cash transfer, and the payer 71-k selects the individual account 80- Requesting an account transfer with k as the transfer source.

The same transfer details information group 81-j is generated for the transfer destination account 73-j. here,
The payer 71-k requests an account transfer by using the individual account 80-k as a transfer source.
The account transfer is requested by using 0-1 as the transfer source, and the payer 71-n requests the check transfer. in this way,
Each payer can make a transfer request to a plurality of different transfer destination accounts.

The account information 83 includes account numbers, holder information,
Includes transferee account management information and transfer details management information.
The transferee account management information includes transferee accounts 73-1,. . . ,
Each of the management information includes information such as the account number of the transfer destination account, balance, schedule information of fund transfer, transferred balance, transfer date and time, and the like. The transfer details management information includes a transfer details information group 81-1,. . . , 81-j
Pointers 84-1,. . . , 84-j.

The transfer statement 86-1,. . . , 86-
j includes information such as the amount of money to be transferred, the information of the person who made the transfer, the date and time of the transfer, the reason for the transfer, and the like.
1,. . . , 73-j is managed for each transfer destination account. Account information 87-1,. . . , 87-j
Is the account number, holder information, balance, and pool account 7
2 account number.

When a transfer request is made from the payer, the account management system sets the transfer details information group 81-
1,. . . , 81-j, and pointers 84-1,. . . , 84-j, and adds the transfer amount to the balance of the account information 83.

Further, the account management system uses the account information 83
, The transfer destination accounts 73-1,. . . , 73-j. Then, the fund transfer statements 86-1,. . . , 86-
j and generate them as a payment notification.
1,. . . , 74-j.

The account management system of the embodiment described above is configured by combining financial processing devices, ATMs, personal computers of financial institution users, telephones, and the like provided in financial institutions such as banks. If all parties to a transaction have accounts in one financial institution, one financial processing device can integrate the main processing of the account management system.

FIG. 16 is a configuration diagram of an account management system including a financial processing device that performs processing in such a case in an integrated manner. In FIG. 16, the financial processing device 91 includes the above-described joint account 12, sub-account 32, real account 33, pool account 5
2, 72, and transfer destination account 53, 73-1 to 73-j
And the information of the individual account 15 are stored in the account management database 92, and processing relating to them is performed. Here, the information of the individual account 15 is the account information 23-1, 23-23 of FIG.
2,. . . , 23-n.

The financial processing device 91 includes a financial processing device 93 of another financial institution, a teller's machine 94, and an ATM 9.
5. It communicates with the personal computer 96 and the telephone 97 to exchange information necessary for processing.

The teller's machine 94 is a device for a full-time person in charge of a financial institution to perform all transactions necessary for business. Using the Terra's Machine 94, the person in charge can deposit and withdraw money, open an unlimited amount of money, open a new account (open an entirely new account at a financial institution), check / print bills, accept lost reports, passbooks -Processing such as reissuing cards can be performed. On the other hand, the ATM 95 is used by an unspecified number of people to perform limited transactions such as ordinary deposits and withdrawals, opening of new accounts, and inquiries.

As shown in FIG. 3, the financial processing device 91 includes the account information 21, the link account table 22, and the account information 23-1, 23-2,. . . , 23-n and credit card companies 11-1, 11-
2,. . . , 11-k to the joint account 12
Process of distributing to a plurality of sellers via. Also,
Automatically manage sales and report to each seller.

The financial processing device 91 manages the account information 41 and 42 and the transaction statement information 43 as shown in FIG. 10, and the transaction input from the external devices 93, 94, 95, 96 and 97. In response to the request, a deposit / transfer process for the sub-account 32 or a withdrawal process from the sub-account 32 is performed.
Further, the due date management of the transfer of funds from the sub account 32 to the main account 33 is automatically performed.

Further, as shown in FIG. 13, the financial processing device 91 includes the account information 63, 67, the transfer statement information group 61-
1,. . . , 61-i, and the transfer management table 66-
1,. . . , 66-i and external devices 93, 9
In accordance with the transfer request inputted from 4, 95, 96, 97, the transfer processing to the pool account 52 is performed. In addition, it automatically manages the date of transfer of funds from the pool account 52 to the transfer destination account 53 and manages the remittance of the scheduled transfer, and reports it to the recipient.

[0092] Further, as shown in FIG. 15, the financial processing apparatus 91 outputs the account information 83, 87-1,. . . , 87-
j, transfer details information group 81-1,. . . , 81-j, and funds transfer statements 86-1,. . . , 86-j, and performs a transfer process to the pool account 72 in response to a transfer request input from an external device 93, 94, 95, 96, 97. In addition, transfer account 73 from pool account 72
-1,. . . , 73-j is automatically managed and reported to the recipient.

Further, the payee can use the ATM 95, the personal computer 96, and the telephone 97 to input schedule information for fund transfer. If all parties to a transaction do not have accounts in one financial institution, a plurality of financial processing devices of different financial institutions share the processing. Also, even within the same financial institution, if the branch is different, a plurality of financial processing devices may share the processing.

FIG. 17 is a configuration diagram of an account management system including two financial processing devices that perform processing in such a case in a shared manner. In FIG. 16, the financial processing apparatus 101 includes the above-described joint account 12, sub-account 32, pool account 52,
The 72 information is stored in the account management database 102, and processing related thereto is performed. The financial processing device 101
Communicates with the financial processing device 93, the teller's machine 94, the ATM 95, the personal computer 96, the telephone 97, and the financial processing device 103 of another financial institution to exchange information necessary for processing.

The financial processing device 103 includes the above-described individual account 15, main account 33, and transfer destination accounts 53, 73-1 to 73-3.
The information of 73-j is stored in the account management database 104, and processing related thereto is performed.

[0096] The financial processing apparatus 101 is configured to execute the account information 2 shown in FIG.
1 and the link account table 22 are managed, and processing for distributing the transfer funds from the credit card company 11 to a plurality of sellers via the joint account 12 is performed. Then, the financial information is transmitted to the financial processing device 103 that manages the individual account of each seller. In addition, sales management is automatically performed and reported to each seller.

The financial processing device 101 manages the account information 41 and the transaction statement information 43 shown in FIG.
In accordance with the transaction request inputted from 3, 94, 95, 96, 97, payment / transfer processing for the sub-account 32 or withdrawal processing from the sub-account 32 is performed. And this account 33
Financial information is transmitted to and received from the financial processing device 103 that manages the financial information. Further, the due date management of the transfer of funds from the sub account 32 to the main account 33 is automatically performed.

[0098] Further, the financial processing apparatus 101 includes the account information 63, the transfer details information group 61-1,. . . , 61-
i, and the transfer management tables 66-1,. . . , 66-
i, external devices 93, 94, 95, 96, 97
In accordance with the transfer request input from the, the transfer processing for the pool account 52 is performed. Then, the money information is transmitted to the financial processing device 103 that manages the transfer destination account 53. In addition, it automatically manages the date of transfer of funds from the pool account 52 to the transfer destination account 53 and manages the remittance of the scheduled transfer, and reports it to the recipient.

[0099] Further, the financial processing apparatus 101 transmits the account information 83, the transfer details information group 81-1,. . . , 81-
j, and funds transfer statements 86-1,. . . , 86-j
And performs a transfer process to the pool account 72 in response to a transfer request input from an external device 93, 94, 95, 96, 97. And the transfer account 73-
1,. . . , 73-j is transmitted to the financial processing apparatus 103 which manages the financial information. Further, the transfer destination accounts 73-1,. . . , 73-j is automatically managed and reported to the recipient.

Next, the processing of the account management system having various related accounts described above will be described with reference to FIGS. FIG. 18 is a flowchart of the account information storing process. First, the account management system
It is determined whether or not the process to be executed is a process for a joint account (step S1). If it is a joint account process, the account information of the joint account is stored (step S2), the link information (account number, etc.) to the joint account is stored in the account information of the individual account (step S3), and the process is performed. To end.

If it is determined in step S1 that the process to be executed is not a process for a joint account, it is next determined whether or not the process is for a sub-account (step S4). If it is the processing of the sub account, the account information of the sub account is stored (step S5), the link information to the sub account is stored in the account information of the main account (step S6), and the processing is ended.

If it is determined in step S4 that the processing to be executed is not the processing for the sub-account, it is next determined whether or not the processing is for the pool account (step S7). If it is a pool account process, the account information of the pool account is stored (step S8), the link information to the pool account is stored in the account information of the transfer destination account (step S9), and the process ends.

In step S7, if the processing to be executed is not the processing of the pool account, it is determined that the processing is not the account information storage processing, and the processing is ended as it is. FIG.
20 and 21 are flowcharts of the transfer receiving process. When the transfer request is entered, the account management system will
First, it is determined whether or not the transfer destination is a transfer destination account linked to the pool account (step S11 in FIG. 19).

If the transfer destination is such an account, then
It is determined whether or not this is the account of the clearing user (step S12). If it is a clearing user account, the balance of the corresponding pool account is updated (step S
13) The transfer details information is stored in the corresponding transfer details information group according to the use of the transfer (step S14).

Next, it is determined whether or not the erasing process is possible (step S15). If it is possible to apply, apply the transfer details information based on the transfer management table,
The transfer management table and the transfer details information group are updated (step S16). Then, the processing result is output (step S
17), end the process. If it is determined in step S15 that the erasure is not possible, the process ends.

In step S12, if the transfer destination is not the account of the application user, the balance of the transfer destination account is updated based on the account number (step S18), and the transfer details information of the account is stored (step S19). ).

Next, it is determined whether or not fund transfer processing is possible (step S20). If the funds can be transferred, the money information is transferred from the pool account to the transfer destination account, and the balances of those accounts are updated (step S21). Then, the processing result is output (step S17), and the processing ends. If it is determined in step S20 that the funds cannot be transferred, the process ends.

If it is determined in step S11 that the transfer destination is not a transfer destination account linked to the pool account, it is next determined whether or not the transfer destination is a joint account (step S2 in FIG. 20).
2). If the transfer destination is a joint account, the linked account table is searched based on the transfer identifier (step S2).
3) It is determined whether a corresponding individual account exists (step S24).

If the individual account exists, the corresponding account number is obtained from the linked account table, and the account information of the account is accessed. Then, the payment request information is searched, and the management information of the corresponding credit card company is obtained (step S25), and it is determined whether or not the information is normal (step S26).

If the management information of the credit card company is normal, it is updated (step S27), the joint account use information of the individual account is updated (step S28), and the corresponding sales of the card sales management information of the individual account are updated. The information is updated (step S29). Then, the balance of the individual account is updated (step S30), and the process ends.

If the corresponding individual account does not exist in step S24, and if the management information of the credit card company is not normal in step S26, an error process is performed (step S31), and the process ends.

In step S22, if the transfer destination is not a joint account, it is next determined whether or not it is a real account (step S32 in FIG. 21). If the transfer destination is the main account, it is next determined whether or not it is linked to the sub-account (step S33). If it is linked to the sub-account, then the account management status is referred to. Then, it is determined whether the account is usable (step S34).

If the main account can be used, the transfer account information of the main account is stored (step S35), the balance of the main account is updated (step S36), and the process ends. If the transfer destination is not linked to the sub-account in step S33, the processing from step S35 is performed.

In step S34, if the main account is not usable, the account information of the corresponding sub-account is accessed (step S37), and it is determined whether the sub-account is usable by referring to the account management status. (Step S
38).

If the sub-account is usable, the transfer account information (transaction statement information) of the sub-account is stored (step S3).
9) Update the balance of the sub-account (step S40),
The process ends. If the sub-account is not usable, an error process is performed (step S41), and the process ends.
In step S32, if the transfer destination is not a real account,
Assuming that it is a sub account, step S38
The following processing is performed.

FIGS. 22 and 23 are flowcharts of the fund transfer process. The account management system first accesses the account information of one managed account and determines whether there is fund transfer schedule information (step S51 in FIG. 22).

If there is schedule information, the current date and time are compared with the fund transfer date and time included in the schedule information.
It is determined whether it is time to transfer funds (step S5).
2). If it is time to transfer funds, it is next determined whether there is money information (fund transfer information) to be transferred (step S53).

If there is such money information, the fund transfer information in the account is searched and one piece of information is obtained (step S).
54) Next, it is determined whether the account is a sub-account (step S56 in FIG. 23). If it is not a sub-account, the account is regarded as the user's account (transfer destination account), and the amount to be transferred is added to the account balance (step S
57), the amount is subtracted from the balance of the pool account linked to the account (step S58).

Next, the next fund transfer information in the account is searched (step S59), fund transfer statement information (fund transfer statement) is created (step S60), and there is unprocessed fund transfer information. Is determined (step S61). If unprocessed fund transfer information remains, step S
The processing after 56 is repeated.

In step S61, when the processing of all the fund transfer information in the account is completed, the fund transfer statement information is output (step S62), and the next account information is searched (step S63). It is determined whether there is account information (step S64). If unprocessed account information remains, the processing from step S51 onward in FIG. 22 is repeated, and if processing of all account information ends, the processing ends.

If there is no schedule information in step S51 in FIG. 22, the processing from step S63 in FIG. 23 is performed. If it is not time to transfer funds in step S52 of FIG. 22, and step S53
If there is no fund transfer information in step S55, a message to that effect is output (step S55), and step S55 in FIG.
The processing after 62 is performed.

In step S56 of FIG.
If the account is a sub-account, the monetary information of the sub-account is transferred to the corresponding main account (step S65), fund transfer statement information is created (step S66), and the processing from step S62 is performed.

By the way, the financial processing devices 91, 93, 101, 103 and the teller's machine 94 in FIGS.
The ATM 95 and the personal computer 96 are, for example,
It is configured using an information processing device (computer) as shown in FIG. The information processing apparatus of FIG.
1, memory 112, input device 113, output device 114,
An external storage device 115, a medium drive device 116, and a network connection device 117 are provided, which are connected to each other by a bus 118.

The memory 112 has a ROM (read only memo).
ry), RAM (random access memory), etc., and stores programs and data used for processing. CPU1
11 performs each process of the account management system as described above by executing a program using the memory 112.

The input device 113 is, for example, a keyboard,
A pointing device, a touch panel, or the like is used for inputting necessary instructions and information. The output device 114 is
For example, a display, a printer, a speaker, etc.
Outputs the processing results and inquiries to the user.

The external storage device 115 is, for example, a magnetic disk device, an optical disk device, a magneto-optical disk (magneto-disk).
optical disk) device. The information processing apparatus stores the above-described programs and data in the external storage device 115, and uses them by loading them into the memory 112 as needed. The external storage device 115 is also used as a database for storing the above-described account information.

[0127] The medium drive device 116 is a portable recording medium 11.
9 to access the recorded contents. Examples of the portable recording medium 119 include a memory card, a floppy disk, and a CD-ROM (compact disk read only memory).
), An optical disk, a magneto-optical disk, or any other computer-readable recording medium. The operator stores the above-described program and data in the portable recording medium 119 and stores them in the memory 11 as necessary.
Load to 2 and use.

The network connection device 117 is a LAN
(Local area network) or any other network (line) to communicate with external devices. The information processing device
If necessary, the above program and data are received from an external device via the network connection device 117, and are loaded into the memory 112 and used.

FIG. 25 shows a computer-readable recording medium capable of supplying a program and data to the information processing apparatus shown in FIG. Portable recording medium 119
The programs and data stored in the external database 120 are loaded into the memory 112. And CP
U111 executes the program using the data, and performs necessary processing.

[0130]

According to the present invention, it is possible to flexibly manage the transfer of funds by providing a related account linked to a user's contract account. For example, a seller who is not a member store of the credit service can cope with payment by a credit card. By operating the related account for 24 hours, services such as home banking and farm banking can be provided for 24 hours. Further, the transfer from an unspecified number of payers can be efficiently managed, and the management of the receivable application can be simplified.

[Brief description of the drawings]

FIG. 1 is a principle diagram of an account management system of the present invention.

FIG. 2 is an explanatory diagram of a first account management system.

FIG. 3 is a configuration diagram of a first account management system.

FIG. 4 is a diagram showing joint account use information.

FIG. 5 is a diagram showing payment request information.

FIG. 6 is a diagram showing management information of a credit card company.

FIG. 7 is a diagram showing card sales management information.

FIG. 8 is a diagram showing sales information.

FIG. 9 is an explanatory diagram of a second account management system.

FIG. 10 is a configuration diagram of a second account management system.

FIG. 11 is a diagram showing an account management status.

FIG. 12 is an explanatory diagram of a third account management system.

FIG. 13 is a configuration diagram of a third account management system.

FIG. 14 is a configuration diagram of a fourth account management system.

FIG. 15 is a configuration diagram of a fourth account management system.

FIG. 16 is a configuration diagram of a fifth account management system.

FIG. 17 is a configuration diagram of a sixth account management system.

FIG. 18 is a flowchart of account information storage processing.

FIG. 19 is a flowchart (part 1) of a transfer acceptance process.

FIG. 20 is a flowchart (part 2) of a transfer acceptance process.

FIG. 21 is a flowchart (part 3) of a transfer acceptance process.

FIG. 22 is a flowchart (part 1) of a fund transfer process.

FIG. 23 is a flowchart (part 2) of a fund transfer process.

FIG. 24 is a configuration diagram of an information processing apparatus.

FIG. 25 is a diagram showing a recording medium.

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 1 Storage means 2 Payment means 3 User account 4 Related account 11, 11-1, 11-2, 11-k Credit card company 12 Joint account 13-1, 13-2, 13-n Seller 14 Buyer 21, 23-1, 23-2, 23-n, 41, 42, 6
3, 67, 83, 87-1, 87-j Account information 22 Link account table 24, 64, 65, 84-1, 84-j Pointer 31 User 32 Sub-account 33 Real account 43 Transaction details information 44, 54, 74-1, 74-j Recipients 45-1, 45-2, 45-3 Flags 51-1, 51-2, 51-k, 51-1, 51-n,
71-1, 71-2, 71-k, 71-l, 71-n
Payers 52, 72 Pool accounts 53, 73-1, 73-j Transfer account 60-1, 60-k, 60-1, 80-1, 80-k,
80-1 Individual account 61-1, 61-i, 81-1, 81-j Transfer account information group 62-0, 82-0 Control unit 62-1, 62-2, 62-k, 82-1, 82 -2,
82-k Transfer Statement Information 66-1, 66-i Transfer Management Table 68-1, 68-i Clearing Result 86-1, 86-j Fund Transfer Statements 91, 93, 101, 103 Financial Processing Devices 92, 102 , 104 Account management database 94 Tellers machine 95 ATM 96 Personal computer 97 Telephone 111 CPU 112 Memory 113 Input device 114 Output device 115 External storage device 116 Medium drive device 117 Network connection device 118 Bus 119 Portable recording medium 120 Database

Continued on front page F-term (reference)

Claims (24)

[Claims] 1. An account management system for performing settlement using a financial institution that manages an account having money information, comprising: storage means for storing account information of a related account linked to a user account; Transfer monetary information between and the user account,
An account management system comprising: a settlement unit that performs settlement for the user account. 2. The storage means stores account information of the related account linked to a plurality of user accounts, and the settlement means uses the related account as a contract account of a transaction, and uses the related account as a financial information relating to the transaction. Transferring from the associated account to one of the plurality of user accounts.
Account management system described. 3. The account management system according to claim 1, wherein the settlement means integrates the monetary information of the related account and a user account to perform settlement for the user account. 4. The settlement means temporarily stores money information to be transferred from a plurality of payment sources to the user account in the related account, and collects the money information of the related account into the user account. The account management system according to claim 1, wherein the account management system is relocated. 5. An account management system for performing settlement using a financial institution that manages an account having money information, comprising: storage means for storing account information of a joint account linked to a plurality of individual accounts; An account management system comprising: a registration unit that registers an account as a contract account for a transaction; and a settlement unit that transfers money information related to the transaction from the joint account to one of the plurality of individual accounts. . 6. A search means for searching for a transfer destination individual account from among the plurality of individual accounts based on a transfer identifier of the transfer when the transfer is made to the joint account for the transaction. The account management system according to claim 5, wherein the settlement means transfers the money information transferred to the joint account to the individual account of the transfer destination. 7. A storage unit for storing a correspondence relationship between an individual account identifier included in the transfer identifier and the plurality of individual accounts, wherein the search unit determines an individual account of the transfer destination from the transfer identifier. 7. The account management system according to claim 6, wherein an account identifier is extracted, and the correspondence is searched using the extracted individual account identifier to obtain account information of the individual account of the transfer destination. 8. The account management system according to claim 5, further comprising management means for managing sales of at least one of the plurality of individual accounts based on the money information of the joint account. . 9. An account management system for performing settlement using a financial institution that manages an account having money information, comprising: storage means for storing account information of a sub-account linked to a main account of a user; An account management system, comprising: a settlement unit that integrates money information of a sub-account and a real account and performs settlement for the real account. 10. The account management system according to claim 9, wherein the settlement means performs necessary settlement using the account information of the sub-account when the account information of the main account cannot be used. 11. The method according to claim 9, wherein the settlement means transfers a part or all of the money information of the main account to the money information of the sub-account based on money information transfer schedule information. Account management system. 12. The account management system according to claim 9, wherein the settlement means suppresses settlement using the account information of the sub-account when the account information of the main account can be used. 13. The system further comprises management means for managing date and time information for integrating the monetary information of the sub-account and the real account, wherein the settlement means performs the monetization of the sub-account and the real account based on the date and time information. The account management system according to claim 9, wherein the information is integrated. 14. The account management system according to claim 13, wherein the settlement means transfers detailed information relating to settlement using the sub-account to the main account based on the date and time information. 15. An account management system for performing settlement using a financial institution that manages an account having monetary information, comprising: storage means for storing account information of a pool account linked to a user account; A pool means for temporarily storing money information to be transferred from the original to the user account in the pool account; and a settlement means for collectively transferring the money information of the pool account to the user account. Characteristic account management system. 16. A system further comprising management means for managing date and time information for transferring the money information of the pool account to the user account, wherein the settlement means includes:
16. The account management system according to claim 15, wherein the money information of the pool account is transferred to the user account. 17. The management means includes means for designating the date and time information, and the settlement means transfers money information of the pool account to the user account based on the designated date and time information. The account management system according to claim 16, wherein: 18. A management means for managing payment schedules from the plurality of payment sources to the user account and applying the payment schedules based on payments from the plurality of payment sources to the pool account. The account management system according to claim 15, further comprising: 19. A financial processing apparatus provided in a financial institution that manages an account having money information, a storage unit that stores link information for linking a plurality of individual accounts and a joint account, and the link information. And accessing the account information of one of the plurality of individual accounts from the joint account and using the joint account to obtain one of the plurality of individual accounts from the joint account. And a settlement means for transferring to the financial processing apparatus. 20. A financial processing device provided in a financial institution that manages an account having money information, a storage means for storing link information for linking a main account and a sub-account of a user, and the link And settlement means for accessing the account information of the main account from the sub-account using the information, integrating the sub-account and the monetary information of the main account, and performing settlement regarding the main account. Financial processing equipment. 21. A financial processing device provided in a financial institution that manages an account having money information, comprising: storage means for storing link information for linking a user account and a pool account; Using the pool account to access account information of the user account and collectively use the monetary information temporarily stored in the pool account to transfer from a plurality of payment sources to the user account. A financial processing device comprising: a settlement means for transferring to a user account. 22. A recording medium recording a program for a computer provided in a financial institution, wherein the program generates link information for linking a plurality of individual accounts and a joint account, and the link information And accessing the account information of one of the plurality of individual accounts from the joint account, using one of the plurality of individual accounts from the joint account. A computer-readable recording medium characterized by causing the computer to execute processing for transferring to a computer. 23. A recording medium recording a program for a computer provided in a financial institution, wherein the program generates link information for linking a user's real account and a sub-account, Using the information to access the account information of the main account from the sub-account, integrating the monetary information of the sub-account and the main account, and causing the computer to execute a process of performing settlement regarding the main account. Computer-readable recording medium. 24. A recording medium recording a program for a computer provided in a financial institution, wherein the program generates link information for linking a user account and a pool account, and generates the link information. Using the pool account to access the account information of the user account, collectively use the monetary information temporarily stored in the pool account to transfer from a plurality of payment sources to the user account. A computer-readable recording medium for causing the computer to execute a process of transferring to a user account.