JP2002230295A - Management system for investment trust via communication line - Google Patents

Abstract

PROBLEM TO BE SOLVED: To solve such a problem that the working efficiency in an enterprise is low compared with other enterprise businesses, since a data are transmitted and received between the enterprise and an investment trust selling company via a dedicated communication line to conduct purchase of investment trust commodities, an inquiry of a dealing detail and the like, as to an investment trust management, and since a transfer data such as a purchase charge are transmitted separately to a bank with which the enterprise has an account via the dedicated communication line to be processed. SOLUTION: In this management system of a high working efficiency, the service for enterprise asset management such as the purchase.dealing detail inquiry is carried out on a Web screen of a computer system in the enterprise via a data center of an intermediator for conducting intermediation service between the enterprise and the investment trust selling company and the Internet, and the transfer data of the purchase charge is transmitted from the data center to the account of the bank with which the enterprise has the account via the dedicated line.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an investment trust management system through a communication line including the Internet, and more particularly, to a data center of an intermediary company that performs an intermediary business between a company and an investment trust sales company via the Internet. The present invention relates to an operation system capable of performing corporate asset management operations such as investment trust product purchase and transaction statement inquiry at a terminal of a company, and transmitting and transferring transfer data from the data center to a business bank of the company via a communication line.

[0002]

2. Description of the Related Art Conventionally, companies have managed investment trusts.
They exchanged data with investment trust sales companies via communication lines such as dedicated lines, and opened accounts, selected investment trust products, placed orders, and consulted transaction details for corporate asset management and operation.

[0003] In addition, a process of transmitting transfer data from the purchase of investment trust products to a bank or a financial institution via a dedicated line has been separately performed.

[0004] Therefore, as described above, the enterprise asset management and operation business is different from other operations in that many operations are performed via communication lines, and the work efficiency in the enterprise as a whole is not good.

[0005]

DISCLOSURE OF THE INVENTION The present invention has been made in view of the above points, and has as its object the following:
Companies such as investment trust purchase / cancellation / transaction statement inquiry / balance inquiry on the web screen of the terminal of the computer system of the enterprise via the data center of the intermediary business operator that conducts the intermediary business between the company and the investment trust sales company and the Internet. In addition to conducting asset management operations, the terminal of the company uses the terminal of the company to receive or transmit the company's deposit and withdrawal data or the transfer data for the purchase of investment trust products from the data center via the communication line. An object of the present invention is to provide an operation system with high work efficiency that can be performed.

[0006]

In order to solve the above-mentioned problems, an investment trust operation system via a communication line according to the present invention comprises a client terminal having a web browser of a plurality of companies, and a web browser of a plurality of investment trust sales companies. And a data center of an intermediary company that communicates with the client terminals via the Internet communication line and performs an investment trust operation intermediary business between the company and the investment trust sales company, and access from the data center. And a host computer of a financial institution which receives deposit / withdrawal data from the business bank account of the company via a dedicated communication line or transmits transfer data to the business bank account of the company. Wherein the client terminals of the company each have at least financial accounting software for the business of the company. Asset management that manages the asset management of the company based on the financial master and performs investment trust management processing while communicating with the data center via a communication line. At least a processing means, wherein the data center includes a user member database registered and registered with a user ID code and a password for each company at the time of enrollment request from a company, and a sales company that has made an intermediation contract with an investment trust sales company. In the member database and the corporate terminal, when executing the corporate asset management processing means, intermediary reception and transfer of corporate deposit and withdrawal data required for processing of the financial accounting software from the financial institution and transfer of transfer data to the financial institution. Electronic banking (EB) software for Responds to the access from the client terminal of the company, returns the mediation application screen, inputs and receives the ID code and password of the user of the company, and authenticates the user by the user member database. If the use application screen transmission / authentication means and the user are authenticated, at least the selection items of account opening, investment trust product purchase, investment trust product cancellation / purchase, transaction statement inquiry, and balance inquiry necessary for the corporate asset management processing are performed. A main menu selection screen transmitting means provided, and when the user selects one of the selection items on the terminal screen, the signal is received, and the selection item is information on an investment trust product list, a purchase product transaction history, and a balance. When it is necessary to obtain from the terminal of the investment trust sales company via the Internet line and add the information, the data required for the selected item A selection item screen transmitting means for returning an input screen provided with an input field to a company terminal;

[0007] When the selected item is a purchase of an investment trust product, a list of investment trust products or funds is received and displayed from the investment trust sales company terminal, and a purchase selection product name input field, a transaction method and a number of units are displayed. -In addition to the data input field of the amount input field, the order data creation slip further comprises an order data creation input field to the terminal of the investment trust sales company and a transfer data creation input field to the host computer of the financial institution. And an intermediary order transmitting means for transmitting the order data to the terminal of the investment trust sales company via the Internet line when receiving the transmission instruction, and a financial account having an account when receiving the transmission instruction for the transfer data creation slip. The transfer data is placed in a connectable state by the communication environment setting program of the dedicated communication line between the institution's host computer and the data center, and the host Characterized in that it comprises a said EB soft by the communication setting / intermediary transfer transmission means for transmitting to the computer.

[0008] Further, when transferring funds for the purchase of the investment trust product, the cumulative total of the data input amount in each case of the order data creation and the transfer data creation is determined by the company administrator in advance for each user who creates the order data. A terminal lock means for locking the terminal of the user when a predetermined upper limit is exceeded is provided.

In the transfer of funds for the purchase of the investment trust product, in any case of the order data creation and the transfer data creation, after the work is completed, the transfer amount is confirmed and recorded in the database by the finalization process. It is characterized by comprising a determination processing means that cannot change data.

[0010] When the selected item is investment trust product cancellation / purchase, a list of products or funds of the company that have already been purchased is received from the terminal of the investment trust sales company and displayed. In addition to the transaction method / unit / money input fields, the investment trust sales company further includes an order data creation input field to the terminal of the investment trust sales company, and when a transmission instruction for the order data creation slip is received, the order is It is characterized by including at least an intermediary order transmitting means for transmitting to a terminal of a trust sales company via an Internet line.

[0011] In addition, when the above-mentioned company joins a use member including a head office, a branch office, a sales office, and a business office, an ID code and a password indicating the affiliation of each user are determined in advance by the manager of the company. It is characterized by having a registered member database.

[0012]

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

FIGS. 1 and 2 show an embodiment of an investment trust management system via a communication line according to the present invention.

The investment trust management system 1 according to this embodiment includes:
It is configured as follows. In other words, the Web of multiple companies
Client terminals 70, 70 having browser 70z
Client terminals 60, 60 having a web browser 60z of an investment trust sales company, a data center 10 of an intermediary company that performs an intermediary business of investment trust operation between them, and a data center 10 thereof. And a host computer 50 of a financial institution that receives deposit / withdrawal data from the bank account of the company via the dedicated communication line 80 in response to the access from the company or transmits the transfer data to the bank account of the company. Consists of

Here, the client terminal 70 of the company is W
In addition to the web browser 70z, at least financial accounting software 70x necessary for the business and a financial master table 70y generated by the business software are provided, and the asset management of the company is managed based on the financial master table 70y. In addition, at least a corporate asset management processing unit 70a that performs investment trust management processing while communicating with the data center 10 via the Internet line 90 is provided.

The data center 10 includes a Web server 11 including a firewall, an application server 12 for processing intermediary services, a database server 13, a dedicated communication line connection unit 14 having a modem, and a business processing terminal 1.
5 at least.

The database server 13 includes a user member database 13a in which an ID code and a password of each user for each company are defined and registered in advance when joining a brokerage request from a company, and a sales company that has made a brokerage contract with an investment trust sales company. It has at least a member database 13b and an intermediary order and intermediary transfer history database 13c for each company. Here, the users of the company may be the users of the head office, the branch office, the sales office, and the business office. In that case, I
The D code represents the affiliation, and the manager of the company determines and registers the password in advance.

The application server 12 is connected to a corporate client terminal 70 by a corporate asset management processing means 70.
When executing a, financial accounting software 70x
And electronic banking (EB) software 12x for intermediary reception of corporate deposit and withdrawal data, which is information data necessary for the processing of the transaction from the financial institution, and intermediary transmission of transfer data to the financial institution.

The application server 12 responds to the access from the client terminal 70 of the company, returns the intermediary use application screen, and stores the ID of the user of the company.
There is provided a use application screen transmission / authentication means 12a for inputting and receiving a code and a password, and for authenticating the user with the use member database 13a.

If the user is authenticated, the user terminal 7
"Account opening" required for corporate asset management processing at 0
There is provided a main menu selection screen transmitting means 12b having at least selection items of "purchase of investment trust products", "cancellation / purchase of investment trust products", "transaction statement inquiry", and "balance inquiry".

When the user selects one of the selection items on the main menu selection screen on the terminal screen, the signal is received, and the selection item relates to the investment trust product list, the purchase product transaction history, the balance thereof, and the like. When the information is required, the information is obtained from the terminal 60 of the investment trust sales company via the Internet line 90, the information is added, and an input screen having a data input field required for the selected item is returned to the terminal 70 of the company. And a selection item screen transmitting unit 12c.

If the selection item on the main menu selection screen is "purchase of investment trust products", a list of investment trust products or funds of the company is received and displayed from the investment trust sales company terminal 60, and the name of the purchase selection product is displayed. In addition to the input fields, the data input fields of the transaction method, the number of units, and the amount of money input field, an input data creation input field to the terminal 60 of the investment trust sales company and a transfer data creation input field to the host computer 50 of the financial institution are further provided. When an order data creation slip transmission instruction is received, the order data is transferred to the terminal 6 of the investment trust sales company.
And an intermediary order transmitting means 12d for transmitting the data to the Internet via the Internet line 90.

When a transmission command of a transfer data creation slip is received, the transfer environment is set to a connectable state by a communication environment setting program of a dedicated communication line 80 between the host computer 50 of the financial institution having the account and the data center 10, and the transfer is made. A communication setting / mediation transfer transmission unit 12e using EB software 12x for transmitting data to the host computer 50 is provided.

When transferring funds for the purchase of investment trust products, in either case of order data creation or transfer data creation, the user in charge of the creation makes the accumulated total of the data input amounts on the terminal 70 the created and used amount. When a user exceeds an upper limit determined in advance by a company administrator, a terminal lock unit that locks the terminal 70 of the user is provided.

When transferring funds for the purchase of investment trust products, in either case of order data creation or transfer data creation, if the work is completed and the transfer amount is confirmed to be correct and accurate, it is confirmed. By pressing the button,
After the data is recorded in the database 13c, the data processing unit 12g is provided with a determination processing unit 12g that cannot change or correct the data, so that the data is not changed by mistake.

When the selection item is “cancellation / purchase of investment trust products”, a list of products or funds of the company already purchased is received and displayed from the terminal 60 of the investment trust sales company, and a cancellation product selection input field, a transaction In addition to the method / unit / money input fields, the system further includes an order data generation input field to the terminal 60 of the investment trust sales company. When a transmission instruction for the order data generation slip is received, the order is sold to the investment trust sales company. An intermediary order transmitting means 12d for transmitting the data to the company terminal 60 via the Internet line 90 is provided.

When the selected item is "inquiry of transaction details", list data such as purchase / cancellation of investment trust products of the company with which the transaction has been made up to now is received and displayed from the terminal 60 of the investment trust sales company.

When the selected item is "balance inquiry", the balance list data of the investment trust purchase product of the company at the present time is received and displayed from the terminal 60 of the investment trust sales company.

Next, the operation flow of the investment trust management system 1 via the communication line of the present invention will be described.

FIGS. 3 and 4 show flowcharts of the operation of the investment trust management system 1 via the communication line. FIG. 3 shows the overall flow of the operation system 1, and FIG. 4 shows the flow when the item "purchase of investment trust products" is selected on the main menu selection screen.

The data center 10 determines a user ID code and a password for each company and registers the user ID code and password in the user member database 13a in advance when joining the intermediation request from the company. In addition, a sales company member database 13b that has contracted with the investment trust sales company is created (S31).

In response to the access from the client terminal 70 of the company, the data center 10 transmits an intermediary use application screen to the terminal 70 (S32).

The data center 10 allows the company user to input the ID code and the password at the terminal 70, receives the data, collates the data with the user member database 13a, and authenticates the user if they match. If they do not match, stop there. If not, a screen for notification of membership is transmitted (S33).

If the user is authenticated, a main menu selection screen is transmitted to the terminal 70 (S34).

The data center 10 receives a signal indicating that the user has selected one of the items on the main menu selection screen of the terminal 70, and if the information of the selected item is required by the investment trust sales company, the terminal 70 The information data is received from the terminal 60, and the information is added thereto, and an input screen having a data input field required for the selected item is sent to the terminal 70 (S35).

The data center 10 receives the input data and processes the item (S36).

In step S35, the user sets the terminal 7
If the item "purchase of investment trust products" is selected on the main menu selection screen 0, the data center 10 receives the signal and transmits an input screen of the item to the terminal 70 (S4).
1).

When transmitting, the data center 10 receives a list of investment trust products or funds from the sales company database 13b via the Internet, and, together with the data, a purchase selection product name input field, a transaction method, a number of units, and an amount input field. Is transmitted (S42).

When the user wants to place an order at the terminal 70, he or she inputs it into the order data creation input field, presses the confirm button, and transmits the data.
c, and transmits the mediation to the terminal 60 of the investment trust sales company (S43).

When the user wishes to make a transfer at the terminal 70, he or she inputs it into the transfer data creation input field, presses the confirm button, and transmits the data.
a host computer 5 of a financial institution having an account recorded in c
The communication environment of the dedicated line 80 between the data center 10 and the data center 10 is set, and the transfer data is transmitted to the host computer 50 by the EB software 12x (S44).

It should be noted that the order / transfer data cannot be changed after the enter button is selected in steps S43 and S44 and recorded in the database 13c. (Confirmation processing means 1
2g)

In steps S43 and S44, when the cumulative total during the creation of the order / transfer data is sequentially counted to the data center 10 and exceeds the predetermined upper limit of the user, the terminal 70 is automatically locked. (Terminal lock means 12f)

The confirmation processing means 12g provides a field indicating the state of the data in the field on the database, and indicates a state indicating whether the transfer destination data is being created, confirmed, or transmitted. The finalized flag and the transmitted flag are written, and the database server 13 writes the brokering order and the brokerage transfer history database 1 according to this state.
3c may be operated and controlled.

The terminal lock means 12f records the upper limit amount for each user in the user member database 13a, and compares it with the amount. The system may perform the check with the total amount when the order / transfer data creation is completed or transmitted, or may be performed via the Internet line for each line up to the item column. When the upper limit has been exceeded, the input processing screen of the terminal 70 is locked via the Internet line, and "exceeding the handling upper limit" is displayed on the screen.

The system receives the ID code and password of the manager of the creator from the terminal 70, and releases the lock if there is a lock release request signal.
The password is recorded in the database 13a in advance.

[0046]

The investment trust management system via the communication line of the present invention has the following effects.

That is, corporate assets such as purchase of investment trust products and inquiry of transaction details from the terminal screen of a corporate computer system via the Internet and the data center of the brokerage company that performs brokerage between the company and the investment trust sales company. Operational work can be performed, and transfer data by purchase can be transmitted from the data center to the bank account of the corporate financial institution via the dedicated line, so that more efficient work than before can be performed.

In addition, since the transfer of funds to the transfer account is provided with means such as confirmation processing and terminal lock, the operation system is safe but reliable despite its efficiency.

[Brief description of the drawings]

FIG. 1 is a diagram showing a configuration of an investment trust management system via a communication line of the present invention.

FIG. 2 is a diagram showing details of a configuration of a data center of an investment trust management system via a communication line of the present invention.

FIG. 3 is a flowchart of the operation of the investment trust management system of the present invention.

FIG. 4 is a flowchart of the operation of the investment trust management system of the present invention.

[Explanation of symbols]

REFERENCE SIGNS LIST 1 Investment trust operation system via communication line 10 Data center of brokerage company 11 Firewall, Web server 12 Application server 12a Usage application screen transmission / authentication means 12b Main menu selection screen transmission means 12c Selection item screen transmission means 12d Intermediation order transmission means 12e Communication setting / mediation transfer transmission means 12f Terminal lock means 12g Confirmation processing means 12x EB software 13 Database server 13a User member database 13b Sales company member database 13c Intermediation order and intermediary transfer history database for each company 14 Communication line connection unit including modem 50,50 Host computer of financial institution 60,60 Client terminal of investment trust sales company 60z Web browser 70,70 Client of company (including head office, branch office, sales office, etc.) Cement terminal 70a enterprise asset management processing means 70x Financial Accounting software 70y financial master table 70z Web browser 80 dedicated communication line 90 communication line of the Internet line or the like

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/60 318 G06F 17/60 318G (72) Inventor Kuroi Seiichi 2-chome Nishishinjuku, Shinjuku-ku, Tokyo No. 1-1 Inside the Obic Business Consultant Co., Ltd. (72) Inventor Tomohisa Takahashi 2-1-1 Nishi Shinjuku, Shinjuku-ku, Tokyo Inside the Obic Business Consultant Co., Ltd.

Claims (6)

[Claims] 1. A client terminal having a web browser of a plurality of companies, a client terminal having a web browser of a plurality of investment trust sales companies, and communicating with the client terminals via an Internet communication line to make an investment with the company. A data center of an intermediary company that performs investment trust management intermediary business between trust sales companies, and receives deposit / withdrawal data from a bank account of the company via a dedicated communication line in response to access from the data center, or Is an investment trust management system that comprises a host computer of a financial institution that transmits transfer data to a bank account of a company, wherein the client terminals of the company are at least financial accounting software for business operations and business software thereof. With a generated financial master table, based on that financial master, At least corporate asset management processing means for managing investment management while performing investment trust management processing while communicating with the data center via a communication line, wherein the data center is provided for each company at the time of enrollment request from a company. A user member database in which a user ID code and a password are defined and registered; a sales company member database in which an intermediary contract is made with an investment trust sales company; and Electronic banking (EB) software for intermediary reception and transfer of business deposit and withdrawal data required for software processing from the financial institution and intermediary transmission of transfer data to the financial institution. In response to the access from the terminal, return the mediation application screen,
A user application database transmission / authentication means for inputting and receiving an ID code and a password of a user of the company, and authenticating the user by the user member database; Open necessary accounts, purchase investment trust products, cancel investment trust products
Main menu selection screen transmission means having at least selection items for purchase, transaction statement inquiry, and balance inquiry; and when the user selects one of the selection items on the terminal screen, the signal is received and the selection item is received. Is a list of investment trust products,
When information on the purchase transaction history and balance is required, the information is obtained from the terminal of the investment trust sales company via the Internet line, the information is added, and an input screen provided with a data input field required for the selected item is displayed. An investment trust management system via a communication line, comprising at least a selection item screen transmitting means for replying to a company terminal. 2. If the selected item is an investment trust product purchase, a list of investment trust products or funds is received from the investment trust sales company terminal and displayed, and a purchase selection product name input field, a transaction method and a number of units are displayed. -In addition to the data input field of the amount input field, the order data creation slip further includes an order data creation input field to the terminal of the investment trust sales company and a transfer data creation input field to the host computer of the financial institution. And an intermediary order transmitting means for transmitting the order data to the terminal of the investment trust sales company via the Internet line when receiving the transmission instruction for the transfer of the transfer data creating slip. The transfer data is set as connectable by the communication environment setting program of the dedicated communication line between the institution host computer and the data center Investment Trust Management system through a communication line according to claim 1, characterized in that it comprises a said EB soft by the communication setting / intermediary transfer transmission means for transmitting to the computer. 3. In the transfer of funds for the purchase of the investment trust product, the cumulative total of the data input amount in each of the order data creation and the transfer data creation is determined by the company administrator in advance for each creation user. 3. The investment trust management system via a communication line according to claim 1, further comprising terminal lock means for locking a terminal of the user when a predetermined upper limit is exceeded. 4. When transferring funds for the purchase of the investment trust product, the work is completed in any of the order data creation and the transfer data creation, and after the transfer amount is confirmed and recorded in the database by the finalization process, 4. The investment trust management system via a communication line according to claim 1, further comprising a determination processing unit that cannot change data. 5. If the selected item is a cancellation or purchase of an investment trust product, a list of products or funds of the company that have already been purchased is received and displayed from a terminal of the investment trust sales company, and a cancellation product selection input field is provided. In addition to the transaction method / unit / money input columns, the investment trust sales company further includes an order data generation input column to the terminal of the investment trust sales company.
2. The investment trust management system via a communication line according to claim 1, further comprising at least an intermediary order transmitting means for transmitting the order to a terminal of the investment trust sales company via an Internet line. 6. When a member joins a user including a head office, a branch office, a sales office, and a business office, an ID code and a password indicating the affiliation of each user are determined in advance by a manager of the company. 6. The investment trust management system via a communication line according to claim 1, further comprising a registered member database.