JP2002133128A - Drawing processing system and method, and record medium - Google Patents

Abstract

PROBLEM TO BE SOLVED: To improve convenience of a customer by using a different account including some other financial institution to realize smooth operation of a system when shortage of balance of an account occurs in drawing. SOLUTION: This drawing processing system is provided with customer information 13 including customer information of other banks and account information of another bank registered according to the above information, an other bank drawing means 12 for requesting the above other bank to make payment to the account of own bank customer with reference to the account information of the above other banks when drawing from the account of the own bank customer is impossible, and confirming the receipt by payment to execute the above drawing, a forwarding payment means 11 for processing the payment from the other banks, and a payment means 21 for checking the remainder of the concerned customer's account in the own bank according to inquiry of the customer information from the other banks and remitting the payment request sum from the own bank account to the account of the above other banks when the remainder of the account exceeds the payment request sum from the other banks.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a debit processing method, method, and recording medium, and more particularly to a debit processing method, method, and recording medium for debiting an amount exceeding a designated account balance. .

[0002]

2. Description of the Related Art Conventionally, in financial institutions such as banks,
A service is provided that automatically deducts usage fees, such as public charges, credit cards, and membership fees, from personal accounts. When a debit occurs, the debit requester notifies the customer of the debit amount in advance and urges the customer to confirm whether the account balance is sufficient or not before the debit.

[0003] The customer knows the debit amount by notifying the debit amount from the debit source, and confirms that the account balance of the account is equal to or greater than the debit amount. If you need to make a deposit. In fact, if the customer forgets to check the balance more than the withdrawn amount and forgets to deposit, the balance is insufficient and the withdrawal cannot be executed from the account.

[0004] If the debit cannot be made, the financial institution must notify the customer that the debit can be made, and the customer will be required to notify the account by the notified fixed date. You need to make a deposit.

[0005]

As described above, the conventional debit process cannot execute the debit process when the debit amount exceeds the account balance of the account concerned. It is necessary to perform complicated procedures and processing for the debit source.

By the way, a customer often has not only an account in which debit processing is registered, but also a plurality of accounts such as another account of the financial institution or an account of another financial institution. In that case, even if there is a debitable account balance in another account, it cannot be used directly.

[0007] An object of the present invention is to solve the above-mentioned drawbacks, so that if an account balance becomes insufficient at the time of withdrawal, another account including another financial institution can be used. Another object of the present invention is to provide a debit processing method, method, and recording medium that improve the convenience of customers and that facilitate the operation of the debit source and the financial institution.

[0008]

According to the present invention, there is provided a debit processing method in a financial institution system having a host computer which has transaction information of a customer's account and executes a debit from the account. When the customer information including the account information of the other bank registered and cannot be debited from the account of the customer of the own bank, transfer the account of the customer of the own bank to the other bank by referring to the account information of the other bank. Requesting a credit transfer, confirming the payment by the transfer, and executing the debit, a transfer debit means for processing the transfer from the other bank, and a transfer debit means for processing the transfer from the other bank. Transfer means for checking the account balance of the corresponding customer in the bank and, if the account balance exceeds the transfer request amount from the other bank, transferring the transfer request amount from the bank account to the account in the other bank. Characterized by including the.

Further, in the debit processing method of the present invention, when the other bank debiting means cannot debit the account of the customer of the bank, the other bank debit means refers to the account information of the bank of the other bank to refer to the other bank. When the account balance of the bank exceeds the shortage of the account balance of the own bank, a process of deducting the shortage from the account of the other bank is included.

A debit processing method according to the present invention is directed to a financial institution system having a host computer which has transaction information of a customer's account and executes a debit from said account. If the withdrawal is not possible when searching for a bank account, the account information of the other bank registered in the host computer of the bank based on the customer information of the bank is searched and registered in the host computer of the other bank. Acquiring customer information, searching for the customer's account information from the customer information and deducting a deficit that cannot be deducted from the bank's own account from the account indicated by the other bank's account information, A transfer is made from the account of the other bank to the account of the own bank, and thereafter, an initial debit is performed.

The present invention provides a debit processing method in a financial institution system having a host computer having transaction information of a customer account and executing a debit from the account.
When the customer searches for account information of his own bank with which the debit is registered and debits the account, if the debit cannot be made, the account of another bank registered in his own host computer based on his own customer information Search for information to obtain customer information registered in the host computer of another bank, search for the customer's account information from the customer information, and find the shortage that cannot be debited from the bank's own account, When the deficit can be debited from the account indicated by, the shortage amount is debited from the account of the other bank and the entire balance of the account of the own bank is debited.

Further, the present invention provides a debit processing method in a financial institution system having a host computer having transaction information of a customer account and executing a debit from the account.
When the customer searches for account information of his own bank with which the debit is registered and debits the account, if the debit cannot be made, the account of another bank registered in his own host computer based on his own customer information Search for information to obtain customer information registered in the host computer of another bank, search for the customer's account information from the customer information, and find the shortage that cannot be debited from the bank's own account, If it is not possible to withdraw from the account indicated by the customer, if the collateral equivalent property registered in the customer's bank is a collateral amount exceeding the shortfall amount, lend to the customer, and then the amount exceeding the customer's account balance Is debited.

[0013] The recording medium of the present invention is a financial institution system having a host computer which has transaction information of a customer's account and executes a debit from the account, and retrieves account information of the bank in which the customer registers the debit. When the debit cannot be made when the debit is performed, the account information of the other bank registered in the host computer of the own bank is searched based on the customer information of the own bank, and the account information is registered in the host computer of the other bank. Obtaining the customer information; and searching for the customer's account information from the customer information and deducting a deficit that cannot be debited from the account of the own bank from the account indicated by the account information of the other bank. A program comprising a step of performing a transfer from the account of the other bank to the account of the own bank, and a step of subsequently performing an initial debit. .

Further, the recording medium according to the present invention is a financial institution system having a host computer which has transaction information of a customer's account and executes a debit from said account. If the debit cannot be made when searching for and debiting, the account information of the other bank registered in the host computer of the bank based on the customer information of the bank is searched and registered in the host computer of the other bank. Acquiring the customer information, and searching for the customer's account information from the customer information and deducting a deficit that cannot be debited from the account of the own bank from the account indicated by the account information of the other bank. Debiting the amount from the other bank account and debiting the entire balance of the own bank account.

Further, the recording medium of the present invention is a financial institution system which has transaction information of a customer's account and has a host computer for executing a debit from said account. If the debit cannot be made when searching for and debiting, the account information of the other bank registered in the host computer of the bank based on the customer information of the bank is searched and registered in the host computer of the other bank. Obtaining the customer information, and searching for the customer's account information from the customer information and deducting a deficit that cannot be deducted from the account of the bank of the customer from the account indicated by the account information of the other bank. If the collateral equivalent property registered in the bank is a collateral amount exceeding the shortfall amount, lending to the customer, and thereafter, the account balance of the customer Comprise performing a direct debit of the excess amount consisting of program characterized.

[0016]

DESCRIPTION OF THE PREFERRED EMBODIMENTS The present invention will be described below with reference to the drawings.

FIG. 1 is an explanatory diagram showing an embodiment of the present invention. Referring to FIG. 1, the debit processing method according to the present invention includes a financial institution host computer 1, a financial institution host computer 2, and a communication line 3 for interconnecting the plurality of host computers.

Here, A financial institution host computer 1
Is configured to include transfer depositing means 11, other bank debiting means 12, customer information 13 having account balance and registered other bank account as information. Further, the B financial institution host computer 2 is configured to include transfer means 21, customer information 22 having information on account balance and registered other bank accounts.

In the above description, only means that operates when the financial institution A withdraws money is shown. That is, when the financial institution B also makes a withdrawal, its host computer needs to have a transfer depositing means and another bank withdrawal means, and the host computer of another bank needs to have a transfer means and customer information.

FIGS. 2 and 3 are flowcharts showing the operations of the A financial institution host computer 1 and the B financial institution host computer 2 when the A financial institution debits. The operation of the above-described debit processing method will be described with reference to FIGS.

When a request for debiting from a customer's account occurs at the financial institution A, the financial institution host computer 1 uses the account balance information in the customer information 13 of the financial institution A at debiting possibility check S101 to execute financial institution A. The institution checks whether or not the withdrawal is possible. If the withdrawal is possible, a withdrawal process S107 is performed to complete the withdrawal.

As a result of the check at the debit possibility check S101, if it is determined from the account balance information in the customer information 13 of the financial institution A that the customer of the financial institution A cannot be debited due to insufficient balance, the other bank The processing of the withdrawal means 12 is reached.

In bank A, the other bank debited and registered check S102 checks whether there is any registered bank account information in the customer information 13 of bank A. If the account information of the other bank is registered, the client information 13 of the financial institution A is transmitted from the host computer 1 of the financial institution A to the host computer 2 of the financial institution A using the communication line 3 in the other bank inquiry processing S103.
Make an inquiry about the existence of a registered other bank account registered in.

If the other-bank account information is not registered in S102, a withdrawal impossible S108 is executed, and the process ends.

When the host computer 1 of the financial institution A makes an inquiry to the host computer 2 of the financial institution B via the communication line 3 for registering the customer information 23 of the financial institution B, the host computer 2 of the financial institution B becomes inactive. In the row inquiry check S201, a check is made of the registered other bank account of the customer information 23, and if there is no registered other bank account of the financial institution A registered in the customer information 23 of the financial institution B,
Unprocessed notification S that notifies A financial institution host computer that processing cannot be performed because A financial institution cannot be debited.
Step 205 is executed, and the process ends.

In S201, if there is a registered other bank account of the financial institution A registered in the customer information 23 of the financial institution B, the balance is checked in an account balance check S202 for checking the account balance of the customer information 23 of the financial institution B. Check for the presence of

If the balance is less than the amount indicated by the financial institution A (including the commission), the financial institution A cannot be debited, so the unfinished notification S205 for notifying the host computer of the financial institution A that processing is not possible is performed. To end.

The account balance of the customer information 23 of the financial institution B is
When the value indicated by the financial institution A is satisfied including the fee, the transfer from the customer account of the financial institution B to the customer account of the financial institution A is executed by the transfer processing S203, and the notification of the completion of the transfer processing is sent to the host computer 1 of the financial institution A. Through the communication line 3.

Then, after the transfer to the customer account of the financial institution A, the balance update processing S204 for reducing the transfer amount and the transfer fee from the account balance of the customer information of the financial institution B is executed, and the processing is ended.

In the other bank debit possibility check S104, the financial institution host computer 1 checks whether there is an unprocessed notification or a processed notification of the financial institution B. If the notification is unprocessed, the process proceeds to the debit impossible process S108, and the customer is notified that the debit cannot be performed.

If it is a notification of the completion of the treatment by the financial institution B, the transfer payment means 11 performs transfer payment processing S105. Then, the payment check S106 confirms that the amount transferred from the customer account of the financial institution B to the customer account of the financial institution A is received.
The withdrawal processing after payment S107 is performed, and the processing is terminated.

In the above-described debit processing method, a case is shown in which the debit shortage of the account of the customer of the financial institution A is transferred from the account of the financial institution B to the account of the financial institution A. The amount can be debited from the account of the financial institution B. When the customer has another account or collateral at the financial institution A, a substantial loan can be executed to compensate for the shortage and a debit can be executed.

Note that the above debit processing system operates by executing a program stored in the main memory of the host computer of each financial institution.

[0034]

As described in detail above, according to the present invention, a mechanism is provided in which a customer account of another banking financial institution can be used at the time of withdrawal processing, so that the balance of the account of the own banking customer is insufficient. In this case, it is possible to suppress the case where debits cannot be made due to insufficient balance at the time of actual debits, improve the convenience of customers, and reduce the costs by smoothing the operation of the debit source and financial institutions. is there.

[Brief description of the drawings]

FIG. 1 is an explanatory diagram showing one embodiment of the present invention.

FIG. 2 is a flowchart showing the operation of the financial institution host computer A;

FIG. 3 is a flowchart showing the operation of the B financial institution host computer.

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 1 A financial institution host computer 2 B financial institution host computer 3 communication line 11 transfer payment means 12 other bank debit means 13,22 customer information 21 transfer means S101-S108, S201-S205 Processing steps

Claims (8)

[Claims] 1. A financial institution system having a host computer which has transaction information of a customer's account and executes a debit from said account, the customer including customer information of his own bank and account information of another bank registered based on it. Information and, when it cannot be debited from the account of the customer of the bank, requests the other bank to transfer the account of the customer of the bank by referring to the account information of the other bank. Checking the account balance of the relevant bank customer based on another bank withdrawal means for executing withdrawal, transfer receiving means for processing the transfer from the other bank, and inquiry of customer information from the other bank, When the account balance exceeds the transfer request amount from the other bank, a transfer means for transferring the transfer request amount from the own bank account to the other bank account is provided. . 2. The debit processing method according to claim 1, wherein the other bank debiting means refers to the other bank account information when the debit from the account of the customer of the own bank is impossible. When the account balance of the other bank exceeds the shortage of the account balance of the own bank, the debit processing method includes a process of deducting the shortage from the account of the other bank. 3. In a financial institution system having a host computer which has transaction information of a customer's account and executes a debit from said account, the customer searches for account information of his / her bank in which the debit is registered and performs the debit. If the debit cannot be made, the account information of the other bank registered in the host computer of the own bank is searched based on the customer information of the own bank to obtain the customer information registered in the host computer of the other bank. When the shortage amount that cannot be debited from the account of the customer's bank by searching the account information of the customer from the customer information can be deducted from the account indicated by the account information of the other bank, the shortage amount can be calculated from the account of the other bank. A debit processing method characterized by making a transfer to your bank account and then performing the initial debit. 4. In a financial institution system having transaction information of a customer's account and having a host computer for executing a debit from said account, the customer searches for account information of his / her bank in which the debit is registered and performs the debit. If the debit cannot be made, the account information of the other bank registered in the host computer of the own bank is searched based on the customer information of the own bank to obtain the customer information registered in the host computer of the other bank. When the shortage that cannot be debited from the account of the customer's bank can be deducted from the account indicated by the account information of the other bank by searching the account information of the customer from the customer information, the shortage can be debited from the account of the other bank. And a method for withdrawing the entire balance of the bank account. 5. In a financial institution system having transaction information of a customer's account and having a host computer for executing a debit from said account, the customer searches for account information of his / her bank in which the debit is registered and performs the debit. If the debit cannot be made, the account information of the other bank registered in the host computer of the own bank is searched based on the customer information of the own bank to acquire the customer information registered in the host computer of the other bank. When the shortage amount that cannot be debited from the account of the bank by searching the account information of the customer from the customer information cannot be debited from the account indicated by the account information of the other bank, the security equivalent to the security registered by the customer in the bank If the property is a collateral amount exceeding the shortfall amount, a loan is made to the customer, and thereafter, an amount exceeding the account balance of the customer is debited. Method. 6. In a financial institution system having transaction information of a customer's account and having a host computer for executing a debit from said account, the customer searches for account information of his / her bank in which the debit is registered and performs the debit. If the debit cannot be made, the account information of the other bank registered in the host computer of the own bank is searched based on the customer information of the own bank to obtain the customer information registered in the host computer of the other bank. And searching the account information of the customer from the customer information and deducting a deficit that cannot be deducted from the account of the own bank from the account indicated by the account information of the other bank. A step of making a transfer to the bank account of the bank, and a step of making an initial debit thereafter. 7. In a financial institution system having a host computer which has transaction information of a customer's account and executes a debit from said account, the customer searches for account information of his / her bank in which the debit is registered and performs the debit. If the debit cannot be made, the account information of the other bank registered in the host computer of the own bank is searched based on the customer information of the own bank to obtain the customer information registered in the host computer of the other bank. And searching the account information of the customer from the customer information and deducting a deficit that cannot be deducted from the account of the own bank from the account indicated by the account information of the other bank. And debiting the total balance of the bank account of the bank. 8. In a financial institution system having a host computer which has transaction information of a customer's account and executes a debit from said account, the customer searches for account information of his / her bank in which the debit is registered and performs debit. If the debit cannot be made, the account information of the other bank registered in the host computer of the own bank is searched based on the customer information of the own bank to obtain the customer information registered in the host computer of the other bank. Step: searching the account information of the customer from the customer information, and if the shortage that cannot be debited from the account of the bank cannot be debited from the account indicated by the account information of the other bank, the customer has registered in the bank. If the security-equivalent property is a collateral amount exceeding the shortfall amount, a loan is made to the customer, and thereafter, a debit is made to deduct an amount exceeding the account balance of the customer. A recording medium comprising a program characterized by including a step.