JP2002245256A - Transfer fee management system and transfer fee management method, financial institution terminal, financial institution server and control method therefor, computer-readable memory and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a transfer fee management system and a transfer fee management method, a financial institution terminal, a financial institution server and a control method therefor and a computer-readable memory, capable of optionally designating the burden on commission, at transferring to any either a transferring person or a receiving person, depending on purpose. SOLUTION: A transferring person terminal 200 or a branch ATM machine 300, i.e., a financial institution terminal, inputs a transfer information regarding a transfer including designation of a burden person assuming the burden of transfer commission. A financial institution server 100 determines the burden person assuming the burden of the transfer commission, based on the transfer information inputted. Then the amount of money required for the transferring of the transferring person is calculated, based on the determination result and the transfer information.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transfer fee management system, a financial institution terminal, a financial institution, and a financial institution server and a financial institution terminal capable of using the financial institution are connected to each other via a network. The present invention relates to a server, a control method thereof, and a computer-readable memory.

[0002]

2. Description of the Related Art Conventionally, a transferor (payer) who transfers money to a payee using a financial institution has paid the transfer cost to make the transfer.

[0003]

Since the transfer fee differs depending on the number of the bank account of the payee and the transfer time of the payer, the total burden of the payer often differs. . For this reason, the amount of money brought is less than the total payment including the transfer fee, it is not possible to transfer, or it becomes necessary to make a partial payment and transfer again, And increased the amount of clerical work, such as the transferee later requesting the company for a reimbursement amount.

[0004] However, for the purpose of payment, the transfer fee may be borne by the recipient, but it is not appropriate for the transfer person to always bear the transfer fee as in the related art. For example, a case may be considered in which the payer originally transfers the money that was originally paid irregularly to the payee's account at the request of the payee.

[0005] The present invention has been made in view of the above-mentioned problems, and a transfer fee management system capable of arbitrarily designating the burden of a transfer fee to a transferor or a receiver according to the purpose. And transfer fee management method,
It is an object to provide a financial institution terminal, a financial institution server and its control method, a computer-readable memory, and a program.

[0006]

A transfer fee management system according to the present invention for achieving the above object has the following arrangement. That is, a transfer fee management system configured by connecting a financial institution server and a financial institution terminal capable of using the financial institution to each other via a network, wherein the financial institution terminal includes at least a transfer fee bearer. Input means for inputting transfer information relating to the transfer including the designation of, and the financial institution server, based on the transfer information input by the input means, determining means for determining a bearer of the transfer fee,
Calculating means for calculating the amount of money required for the transfer by the payer based on the determination result of the determining means and the transfer information.

[0007] Preferably, the transfer information further includes a transfer amount, a transfer destination financial institution and its branch name, an account type, and an account number.

Preferably, as a result of the determination by the determining means, if the payer of the transfer fee is a payer, the calculating means sets both the transfer information and the input date and time of the transfer information, or The transfer fee of the transfer amount determined from one of the information and the input date and time of the transfer information plus the transfer amount is defined as the amount required for the transfer, and as a result of the determination by the determination means, the transfer fee When the payer is the payee, the calculating means calculates the transfer amount determined from both the transfer information and the input date and time of the transfer information, or one of the transfer information and the input date and time of the transfer information. The transfer fee of the transfer fee is subtracted from the transfer amount, and the amount is set as the amount required for the transfer.

Preferably, the calculating means calculates an amount required for the transfer by the transferor based on a result of the determination by the determining means, the transfer information, and an input date and time of the transfer information.

Preferably, the network is
It has a plurality of types of network routes including the Internet and a dedicated line, and the calculating means determines a result of the determination by the determining means, the transfer information, and a type of network route used for transferring the transfer information to the server. Based on this, the amount required for the transfer by the transferor is calculated.

[0011] Preferably, the financial institution server further comprises output means for outputting to the financial institution terminal the transfer amount calculated by the calculation means, the fee thereof, and information indicating the person who bears the transfer amount.

Preferably, the financial institution terminal comprises:
Including terminals available to payers and automatic teller machines.

A transfer fee management method according to the present invention for achieving the above object has the following configuration. That is, a transfer fee management method of a transfer fee management system configured by mutually connecting a financial institution server and a financial institution terminal capable of using the financial institution via a network, wherein at least An input step of inputting transfer information relating to the transfer including the designation, a determination step of determining a payer of the transfer fee based on the transfer information input in the input step, and a determination result of the determination step and the transfer information A calculating step of calculating the amount required for the transfer by the transferor based on the transfer amount.

A computer-readable memory according to the present invention for achieving the above object has the following configuration. That is,
A computer-readable memory storing a control program of a transfer fee management system configured by connecting a financial institution server and a financial institution terminal capable of using the financial institution via a network, at least a transfer fee A program for an input step of inputting transfer information relating to a transfer including designation of a payer, a program for a determining step of determining a payer of a transfer fee based on the transfer information input in the input step, and the determining step And a calculation process program for calculating the amount required for the transfer by the transferor based on the determination result of the transfer and the transfer information.

A financial institution terminal according to the present invention for achieving the above object has the following configuration. That is, a financial institution terminal connected to a financial institution server via a network, the financial institution terminal comprising: input means for inputting transfer information relating to a transfer including at least a designation of a transfer fee bearer. .

A financial institution server according to the present invention for achieving the above object has the following configuration. That is, a financial institution server connected via a network to a financial institution terminal that can use the financial institution, and a determination unit that determines a person who bears the transfer fee based on the transfer information input at the financial institution terminal. And calculating means for calculating the amount of money required for the transfer by the transferor based on the determination result of the determining means and the transfer information.

A method for controlling a financial institution terminal according to the present invention for achieving the above object has the following configuration. That is,
A method for controlling a financial institution terminal connected to a financial institution server via a network, comprising: an input step of inputting transfer information relating to a transfer including at least designation of a payer of a transfer fee.

A method for controlling a financial institution server according to the present invention for achieving the above object has the following configuration. That is, a method of controlling a financial institution server connected to a financial institution terminal capable of using the financial institution via a network,
Based on the transfer information input at the financial institution terminal, a determining step of determining a person who bears the transfer fee, and calculating the amount required for the transfer person's transfer based on the determination result of the determining step and the transfer information. Calculation step.

A computer readable memory according to the present invention for achieving the above object has the following configuration. That is,
A computer-readable memory storing a program for controlling a financial institution terminal connected to a server of a financial institution via a network, wherein the input step includes inputting transfer information relating to a transfer including at least a designation of a bearer of a transfer fee. And a program.

A computer readable memory according to the present invention for achieving the above object has the following configuration. That is,
A computer-readable memory storing a control program of a financial institution server connected via a network to a financial institution terminal capable of using a financial institution, and a transfer fee based on the transfer information input at the financial institution terminal. And a program for a calculation step for calculating the amount of money required for the transfer of the transferor based on the determination result of the determination step and the transfer information.

[0021] Preferably, the calculating means is required for the transfer of the transfer person based on a result of the determination by the determining means, the transfer information, and whether or not personal information is registered in the financial institution server. Calculate the amount of money.

Preferably, the calculating means is required for the transfer of the transfer person based on a result of the determination by the determining means, the transfer information, and whether or not a bank account is opened in the financial institution server. Calculate the amount of money.

Preferably, the transfer information further includes a transfer amount, a transfer destination financial institution and its branch name, an account type, and an account number.

Preferably, as a result of the determination by the determination means, if the payer of the transfer fee is a payer, the calculating means sets both the transfer information and the input date and time of the transfer information, or The transfer fee of the transfer amount determined from one of the information and the input date and time of the transfer information plus the transfer amount is defined as the amount required for the transfer, and as a result of the determination by the determination means, the transfer fee When the payer is the payee, the calculating means calculates the transfer amount determined from both the transfer information and the input date and time of the transfer information, or one of the transfer information and the input date and time of the transfer information. The transfer fee of the transfer fee is subtracted from the transfer amount, and the amount is set as the amount required for the transfer.

Preferably, the calculating means calculates an amount required for the transfer by the transferor based on a result of the determination by the determining means, the transfer information, and an input date and time of the transfer information.

Also, preferably, the network is
It has a plurality of types of network routes including the Internet and a dedicated line, wherein the calculating means determines a result of the determination by the determining means, the transfer information, and a type of the network path used for transferring the transfer information to the server. On the basis of the,
Calculate the amount required for the transfer by the transferor.

[0027] Preferably, the financial institution server further comprises output means for outputting to the financial institution terminal the transfer amount calculated by the calculation means, the commission thereof, and information indicating the person who bears the transfer amount.

A program according to the present invention for achieving the above object has the following configuration. That is, a program of a transfer fee management system configured by mutually connecting a financial institution server and a financial institution terminal capable of using the financial institution via a network, wherein the financial institution terminal has at least a transfer fee. Input means for inputting transfer information relating to a transfer including designation of a payer, the financial institution server determining means for determining a payer of the transfer fee based on the transfer information input by the input means, Based on the determination result of the means and the transfer information, the information processing apparatus is caused to function as a calculating means for calculating the amount of money required for the transfer by the transferor.

A program according to the present invention for achieving the above object has the following configuration. That is, a program of a financial institution server connected via a network to a financial institution terminal capable of using the financial institution, which determines the payer of the transfer fee based on the transfer information input at the financial institution terminal. Means, the amount required for the transfer person's transfer, based on both the determination result of the determination means and the input date and time of the transfer information and the transfer information, or one of the transfer information and the input date and time of the transfer information And work with the calculation means to calculate.

Preferably, the calculation means is based on either the determination result of the determination means and the input date and time of the transfer information and the transfer information, or any one of the input information and the transfer date of the transfer information. Calculate the amount required for the transfer by the transferor.

[0031]

Embodiments of the present invention will be described below in detail with reference to the drawings.

FIG. 1 is a diagram showing the configuration of the transfer fee management system of the present embodiment.

The main server 100 for own bank is a server of a bank (own bank) where the transferor has an account. The own-bank server 100 includes at least the own-bank account data 101 relating to the account of each transferor, the transfer transaction data 102 relating to the transfer by the transferor, and the transfer fee for determining the transfer fee when the transfer is performed based on the transfer transaction data. It has a fee table 103 and a program for managing various data necessary for performing other banking operations and executing various processes such as transfer and remittance. In addition, the transferor terminal 200, each branch ATM machine 30
It is connected to a financial institution terminal that can use a financial institution including “0” via a network.

Further, the main server 100 for own bank is connected to a LAN.
600, and is connected to an internet banking dedicated server 104 for internet banking.
ATM machine (automatic cash dispenser) 300 at each branch via 00
Is connected to

The Internet bank dedicated server 104 is connected via the network 104 to the transferee terminal 200 of the transferee who has made a contract for net banking, and has various programs for executing net banking.

The network 400 is composed of the Internet or the like.

The transferor terminal 200 has various components such as a keyboard, a mouse, a display, a CPU, a RAM, a ROM and the like, which are not shown, that constitute a general-purpose computer such as a personal computer and a workstation. Further, the backbone server 100 and the Internet bank server 104 may be integrated into one. In addition, the transferor terminal 200 and each branch ATM machine 300 include:
It has a program for executing the flowchart of FIG. 5 to be described later, and in particular, inputs transfer information relating to the transfer (transfer amount, transfer destination financial institution, branch name and account type and account number, fee bearer, etc.). It is possible to

Next, own bank account data 101, transfer transaction data 102, transfer fee table 103
Will be described in order.

FIG. 2 is a diagram showing a detailed configuration of the bank account data of the present embodiment.

As shown in FIG. 2, the account data for own bank is
It is composed of the branch number of the transferor's account, account classification, account number, holder's name, holder's address, telephone number, account balance, and Internet transaction classification. This Internet transaction category is set to, for example, "1" if the transferee has contracted for Internet transaction, and "0" if not.

FIG. 3 is a diagram showing a detailed configuration of the transfer transaction data of the present embodiment.

As shown in FIG. 3, the transfer transaction data includes a management number for managing the transfer by the transferor, a transfer source bank, a transfer source branch, and, if the transfer is made using an ATM machine, the ATM machine number and transfer. It consists of the destination bank, transfer destination branch, account type, transfer amount, fee, burden type, transfer date, transfer name, transfer person's phone number, and payment type. still,
In the burden category, for example, “0” is set when the transferor bears the commission, and “1” is set when the payee bears the commission. The deposit category is, for example, AT
"0" for transfer from machine M, "1" for transfer from bank counter, "2" for transfer from internet, transfer from own bank account Is set to "3". In the case of transfer from the Internet, the transfer may be made from the bank account, the transferee may be made from another bank account, or the transferor may use a credit card. In the case of a transfer from the Internet, which method is used for the transfer is specified at the time of application, and can be changed during the transfer.

FIG. 4 is a diagram showing a detailed configuration of the transfer fee table of the present embodiment.

This is a list of so-called transfer fees prescribed by ordinary financial institutions. However, the Internet discount shall be applied when the transfer fee is other than 0 yen. The transfer fee table is an example, and it goes without saying that the contents can be freely defined by the financial institution.

Next, the processing executed by the transfer fee management system will be described with reference to FIG.

FIG. 5 is a flowchart showing processing executed by the transfer fee management system of the present embodiment, which is executed by a program stored in the main server 100 for own bank.

The operation of various operation screens displayed on the display screen of the transferor terminal 200 or the branch ATM machine 300 described below is performed using a keyboard or a mouse when the transferor terminal 200 is used. When the operation is performed in step 300, the operation is performed using a touch panel, prepared buttons, or the like.

First, in step S101, the main server 100 for own bank uses the transferee designation screen (FIG. 6) displayed on the transferor terminal 200 or the branch ATM machine 300 (FIG. 6) to specify the transferee financial institution designated by the transferor. , Transfer destination account, account classification, account number.

Here, the transfer destination designation screen of FIG. 6 will be described.

In FIG. 6, reference numeral 601 denotes an area for designating the type of a financial institution to be transferred (city bank, regional bank, shinkin bank, etc.), and 602 and 603 designate areas for specifying the name and branch name, respectively. Reference numeral 601 denotes a ten-key group for designating a transfer destination account. The contents are displayed as an account number in an account number display area 606 by key input. Reference numeral 606 denotes an area for designating an account type (normal, current, etc.).

Reference numeral 607 denotes a correction button.
When the correction button 607 is pressed to correct the contents specified in 01 to 606, the respective areas 601 to 606
Is initialized. Reference numeral 608 denotes a holder confirmation button. When the holder confirmation button 608 is pressed, the account holder identified from the contents of the above-mentioned areas 601 to 606 is displayed in the account holder display area 610. 609 is OK
When the OK button 609 is pressed, the contents of the respective areas 601 to 606 and 609 are determined, and the screen is switched to the next screen.

Returning to the description of FIG.

Next, in step S102, the main server 100 for own bank specifies the account holder from the various kinds of input information, and displays the account holder in the account holder display area of the transfer destination designation screen. When the transferee confirms the contents of various information displayed on the transferee designation screen and presses the OK button, the transferee designation screen (FIG. 7) is displayed on the display screen of the transferee terminal 200 or the branch ATM machine 300. .

Here, the fee burden destination designation screen of FIG. 7 will be described.

In FIG. 7, reference numeral 701 denotes a ten-key group for designating a transfer amount, and the contents thereof are displayed in the transfer amount display area 702 as a transfer amount by key input. Reference numeral 703 denotes a correction button.
When the correction button 703 is pressed to change the content of No. 2, the content of the transfer amount display area 702 is initialized.

Reference numerals 703 and 704 denote a payer's share button and a payee's share button, respectively, and by pressing any of the buttons, the payer of the transfer fee can be designated as either the payer or the payee. . Also, the pressed button can be distinguished from the other button,
For example, the display mode such as color display and gray display is changed. Reference numeral 705 denotes a confirmation button.
When is pressed, the transfer amount and the payer of the transfer fee displayed in the transfer amount display area 702 are determined, and the screen is switched to the next screen.

Returning to the description of FIG.

Next, in step S103, the main server 100 for own bank executes the transfer amount entered by the transferor using the transferee designation screen displayed on the transferee terminal 200 or the branch ATM machine 300, Is read (step S103).

Next, in step S104, the main server 100 for own bank determines whether or not the read fee bearer is paid by the payee. If it is not the recipient burden (NO in step S104), that is, if it is the transferor burden,
Proceeding to step S105, the main server for own bank 100
The transfer fee is determined with reference to the transfer fee table based on the transfer amount of the transferor. This calculation is currently
Since the processing is normally performed in a financial institution, the details will not be described here.

On the other hand, when the burden is on the recipient (step S
(YES in 104), the process proceeds to step S106, and the own main server 100 calculates the fee borne by the payee by referring to the transfer fee table based on the transfer amount of the transferee, and deducts the fee from the transfer amount. Calculate the net transfer amount. The calculation of the net transfer amount will be described later in detail.

Next, in step S107, when the calculation of the fee based on the transfer amount is completed, the main server for own bank 100 completes the transferor terminal 200 or the branch ATM machine 3.
A confirmation screen (FIG. 8 or FIG. 9) for the transfer amount and the transfer fee is displayed on the display screen 00.

Here, the confirmation screen of FIGS. 8 and 9 will be described.

FIG. 8 is a confirmation screen in the case where the transferor bears the fee burden, and the fee paid by the payer and the transfer amount determined based on the transfer amount specified on the fee bearer designation screen. The relationship is specified. Reference numeral 800 denotes a confirmation button. When the confirmation button 800 is pressed, an actual transfer process is executed.

FIG. 9 shows a confirmation screen when the fee is paid by the payee. The fee paid by the payee, which is determined based on the transfer amount specified on the fee payee designation screen, and the actual transfer. The relationship of the net transfer amount transferred by a person is specified. Reference numeral 900 denotes a confirmation button. When the confirmation button 900 is pressed, an actual transfer process is executed.

Returning to the description of FIG.

Next, in step S108, the transfer amount and transfer fee displayed on the confirmation screen by the transferor are confirmed, and the money is transferred to the transferor terminal 200 or the branch ATM machine 30.
When the payment is made to 0 and the confirmation button on the confirmation screen is pressed, the main server 100 for own bank confirms the payment amount.

Next, in step S109, the main bank server for own bank 100 determines whether or not the amount actually required for the transfer by the transferor matches the amount of the deposit. If they do not match (NO in step S109), the flow proceeds to step S110, and the own main server 100 displays an error message on the display screen of the transferor terminal 200 or the branch ATM machine 300, and returns to step S108.

On the other hand, if they match (YES in step S109), the flow proceeds to step S111, and the main server 100 for own bank uses the transferor information input screen (not shown) to input the transferor name and telephone number entered by the transferor. Read the number.

Next, in step S112, the main server 100 for own bank creates the above-described transfer transaction data from the information regarding the transfer read in the above-described series of processing.

Then, in step S113, the main server 100 for own bank records the created transfer transaction data in a memory in its own device, and performs an actual transfer process based on the transfer transaction data.

By the above-described processing, the receiver can receive the transfer amount, the fee, and the details including the fee bearer. In addition, the transfer amount, the fee, and the fee burden are recorded in the passbook as shown in FIG. 10, for example.

Next, details of the calculation of the net transfer amount (S in FIG. 5)
106) will be described with reference to FIGS.

FIG. 11 is a flowchart of the calculation of the transfer fee / net transfer amount. FIG. 12 is a diagram showing a detailed structure of a transfer fee table in consideration of a transfer amount range.

First, in step S1101, the transfer amount input in step S103 of FIG. 5 is read. next,
In step S1102, it is determined from the current system time whether the transfer timing is a weekday or a holiday, and whether it is daytime or nighttime. Further, in step S1103, the payment category is determined from the transfer timing. For example, the deposit category is determined to be a transfer from another bank during the daytime on weekdays. Then, step S1
At 104, the net transfer amount in the transfer charge table of FIG. 12 is set as a key. Next, step S110
At 6, the transfer fee table is read using the transfer amount as a key. For example, if the transfer amount is 30,200 yen,
Since the net transfer amount of the range No. 1 exceeds 30,000 yen, the line of the range No. 2 is read. Next, in step S1107, the bank account data is read, and it is determined whether the Internet transaction is possible and the Internet is paid.

Next, in the case of Internet payment (Yes in step S1108), the process proceeds to step S1110, where the Internet discount amount and the transfer fee are compared.
If the transfer fee is larger than the internet discount amount (Yes in step S1110), the process proceeds to step S1112, where net transfer amount = transfer amount- (transfer fee-internet discount amount). If the transfer fee is smaller than or equal to the internet discount (N in step S1110)
o), the process proceeds to step S1111 and the net transfer amount = the transfer amount. On the other hand, if it is not possible to make an Internet transaction or to make an Internet deposit (No in step S1108), the processing proceeds to step S1109
, And the net transfer amount = transfer amount-transfer fee.

Next, in step S1113, the net transfer amount is compared with the transfer amount (From) of the line currently being read in the transfer fee table, and if the net transfer amount is equal to or larger than the transfer amount (From) (step S111).
(No in 3), the currently calculated net transfer amount and transfer fee are correct, and thus the process ends. On the other hand, if the net transfer amount is smaller than the transfer amount (From) (Yes in step S1113), the currently calculated net transfer amount and transfer fee are incorrect, and it is necessary to return to the immediately preceding charge range. Therefore, in step S1114, the range No.
Is decremented and the decremented range No. is used as a key, and the process returns to step S1106 to read the transfer fee table.

As described above, according to the present embodiment, it is possible to perform the transfer processing by designating the person who bears the transfer fee as either the transferor or the payee, so that the transfer fee is not included for the purpose of payment. Can be flexibly dealt with even when the recipient bears the cost. In addition, the transfer fee can be set to a flexible fee structure according to a transaction form such as an Internet transaction.

An object of the present invention is to supply a storage medium storing a program code of software for realizing the functions of the above-described embodiments to a system or an apparatus, and to provide a computer (or CPU or MPU) of the system or the apparatus. Can also be achieved by reading and executing the program code stored in the storage medium.

In this case, the program code itself read from the storage medium realizes the functions of the above-described embodiment, and the storage medium storing the program code constitutes the present invention.

As a storage medium for supplying the program code, for example, a floppy disk, hard disk, optical disk, magneto-optical disk, CD-ROM, CD
-R, CD-R / W, magnetic tape, non-volatile memory card, ROM and the like can be used.

When the computer executes the readout program code, not only the functions of the above-described embodiment are realized, but also the OS (Operating System) running on the computer based on the instruction of the program code. ) May perform some or all of the actual processing, and the processing may realize the functions of the above-described embodiments.

Further, after the program code read from the storage medium is written into a memory provided on a function expansion board inserted into the computer or a function expansion unit connected to the computer, based on the instruction of the program code, It goes without saying that the CPU included in the function expansion board or the function expansion unit performs part or all of the actual processing, and the processing realizes the functions of the above-described embodiments. When the present invention is applied to the storage medium, the storage medium stores program codes corresponding to the flowchart shown in FIG. 5 described above.

An object of the present invention is to provide a storage medium such as a hard disk or a memory of a system or a device or a CD-RW by distributing software program codes for realizing the functions of the above-described embodiments via a network. Or a storage medium such as a CD-R, and the computer (or CPU or M
Needless to say, this can also be achieved by the PU) reading out and executing the program code stored in the storage means or the storage medium.

[0084]

As described above, according to the present invention,
Transfer fee management system and transfer fee management method capable of arbitrarily designating the burden of the transfer fee to the transferor or payee in accordance with the purpose, financial institution terminal, financial institution server and its control method, computer A readable memory and a program can be provided.

[Brief description of the drawings]

FIG. 1 is a diagram illustrating a configuration of a transfer fee management system according to an embodiment.

FIG. 2 is a diagram showing a detailed configuration of own bank account data of the present embodiment.

FIG. 3 is a diagram illustrating a detailed configuration of transfer transaction data according to the embodiment;

FIG. 4 is a diagram illustrating a detailed configuration of a transfer fee table in the case of a transfer fee transferor burden of the present embodiment.

FIG. 5 is a flowchart illustrating a process executed by the transfer fee management system according to the embodiment;

FIG. 6 is a diagram illustrating an example of a transfer destination designation screen according to the embodiment.

FIG. 7 is a diagram illustrating an example of a commission burden destination designation screen according to the embodiment;

FIG. 8 is a diagram showing a confirmation screen according to the embodiment.

FIG. 9 is a diagram showing a confirmation screen according to the embodiment.

FIG. 10 is a diagram showing an example of bookkeeping of the embodiment.

FIG. 11 is a flowchart of a transfer fee / net transfer amount calculation of the present embodiment.

FIG. 12 is a diagram showing a detailed configuration of a transfer fee table in the case of a transfer fee payee burden of the present embodiment.

[Explanation of symbols]

 REFERENCE SIGNS LIST 100 Bank server for own bank 101 Account data for own bank 102 Transfer transaction data 103 Transfer fee table 104 Net bank dedicated server 200 Transfer person terminal 300 Branch ATM machine 400 Network 500 Private line 600 LAN

Claims (31)

[Claims] 1. A transfer fee management system comprising a financial institution server and a financial institution terminal capable of using the financial institution connected to each other via a network, wherein the financial institution terminal includes at least a transfer fee Input means for inputting transfer information relating to the transfer including designation of the payer, the financial institution server determining a payer of the transfer fee based on the transfer information input by the input means, A transfer fee management system, comprising: a calculating unit that calculates an amount required for a transfer by a transferor based on a determination result of a determining unit and the transfer information. 2. The transfer fee management system according to claim 1, wherein the transfer information further includes a transfer amount, a transfer destination financial institution and its branch name, an account type and an account number. 3. If the result of the determination by the determining means is that the payer of the transfer fee is the payer, the calculating means determines both the transfer information and the input date and time of the transfer information, or the transfer information and the transfer information. An amount obtained by adding the transfer amount to the transfer fee of the transfer amount determined from any one of the input date and time of the transfer information is defined as an amount necessary for the transfer, and as a result of the determination by the determination means, a bearer of the transfer fee Is the payee, the calculating means calculates the transfer fee of the transfer amount determined from both the transfer information and the input date and time of the transfer information, or one of the transfer information and the input date and time of the transfer information. 3. The transfer fee management system according to claim 1, wherein an amount obtained by subtracting from the transfer amount is an amount necessary for the transfer. 4. The method according to claim 1, wherein said calculating means calculates an amount of money required for the transfer by the transferor based on a result of the determination by the determining means, the transfer information, and an input date and time of the transfer information. The transfer fee management system according to claim 1 or 2. 5. The network has a plurality of types of network routes including the Internet and a dedicated line, and the calculating means sends the determination result of the determining means, the transfer information, and the transfer information to the server. 3. The transfer fee management system according to claim 1, wherein the amount required for the transfer of the transferee is calculated based on the type of the network route used for the transfer. 6. The financial institution server further comprises output means for outputting to the financial institution terminal a transfer amount calculated by the calculation means, a fee thereof, and information indicating a bearer thereof. The transfer fee management system according to claim 1. 7. The transfer fee management system according to claim 1, wherein the financial institution terminal includes a terminal usable by a transfer person and an automatic cash dispenser. 8. A transfer fee management method for a transfer fee management system comprising a financial institution server and a financial institution terminal capable of using said financial institution connected to each other via a network, comprising: An input step of inputting transfer information relating to a transfer including designation of a payer, a determining step of determining a payer of the transfer fee based on the transfer information input in the input step, a determination result of the determining step, and A calculating step of calculating the amount of money required for the transfer by the transferor based on the transfer information. 9. The transfer fee management method according to claim 8, wherein the transfer information further includes a transfer amount, a transfer destination financial institution and its branch name, an account type and an account number. 10. When the payer of the transfer fee is a payer as a result of the determination in the determining step, the calculating step includes:
An amount obtained by adding the transfer amount to the transfer fee of the transfer amount determined from both the transfer information and the input date and time of the transfer information, or one of the input date and time of the transfer information and the transfer information is used for the transfer. The required amount, the result of the determination in the determination step, if the payer of the transfer fee is the payee, the calculation step, the transfer information and both the input date and time of the transfer information, or the transfer information and the 10. The amount required for the transfer, wherein an amount obtained by subtracting the transfer fee of the transfer amount determined from one of the input dates and times of the transfer information from the transfer amount is set as the amount required for the transfer. Transfer fee management method. 11. The method according to claim 11, wherein the calculating step calculates an amount of money required for the transferor's transfer based on a result of the determination step, the transfer information, and an input date and time of the transfer information. The transfer fee management method according to claim 8 or 9. 12. The network has a plurality of types of network routes including the Internet and a dedicated line, and the calculating step includes transmitting a result of the determining step, the transfer information, and the transfer information to the server. 10. The transfer fee management method according to claim 8, wherein an amount required for the transfer of the transferee is calculated based on a type of the network route used for the transfer. 13. The method according to claim 8, further comprising an output step of outputting, to the financial institution terminal, the transfer amount calculated in the calculation step, the fee thereof, and information indicating the bearer thereof. Transfer fee management method. 14. The transfer fee management method according to claim 8, wherein the financial institution terminal includes a terminal usable by a transfer person and an automatic cash dispenser. 15. A computer-readable memory storing a control program for a transfer fee management system configured by mutually connecting a financial institution server and a financial institution terminal capable of using the financial institution via a network. A program of an input step of inputting transfer information relating to a transfer including at least a designation of a transfer fee bearer, and a program of a determination step of determining a transfer charge bearer based on the transfer information input in the input step. A computer-readable memory, comprising: a program for calculating an amount required for a transfer by a transferor based on a result of the determination step and the transfer information. 16. A financial institution terminal connected to a financial institution server via a network, comprising input means for inputting transfer information relating to a transfer including at least a designation of a payer of a transfer fee. Financial institution terminal. 17. A financial institution server connected via a network to a financial institution terminal capable of using the financial institution, wherein a payer of the transfer fee is determined based on the transfer information input at the financial institution terminal. A financial institution server comprising: a determination unit; and a calculation unit that calculates an amount of money required for a transfer by a transferor based on a determination result of the determination unit and the transfer information. 18. A method for controlling a financial institution terminal connected to a financial institution server via a network, comprising: an input step of inputting transfer information relating to a transfer including at least designation of a bearer of a transfer fee. Characteristic financial institution terminal control method. 19. A method for controlling a financial institution server connected to a financial institution terminal capable of using a financial institution via a network, the method comprising: a payer of a transfer fee based on the transfer information input at the financial institution terminal. And a calculating step of calculating the amount of money required for the transfer by the transferor based on the determination result of the determining step and the transfer information. 20. A computer-readable memory storing a program for controlling a financial institution terminal connected to a server of a financial institution via a network, wherein the computer-readable memory stores at least transfer information relating to a transfer including a designation of a payer of a transfer fee. A computer-readable memory comprising: a program for an input step of inputting. 21. A computer-readable memory storing a control program of a financial institution server connected via a network to a financial institution terminal capable of using a financial institution, the computer-readable memory comprising: A program of a determining step of determining a payer of the transfer fee based on the result of the determining step and the transfer information, and a program of a calculating step of calculating an amount necessary for the transfer of the transferor based on the transfer information. A computer readable memory characterized by the following. 22. The calculating means calculates the amount required for the transferor's transfer based on the result of the determination by the determining means, the transfer information, and whether or not personal information is registered in the financial institution server. The transfer fee management system according to claim 1, wherein the calculation is performed. 23. The calculating means calculates an amount required for the transferor's transfer based on a result of the determination by the determining means, the transfer information, and whether or not a bank account has been opened in the financial institution server. The transfer fee management system according to claim 1, wherein the calculation is performed. 24. The financial institution server according to claim 17, wherein the transfer information further includes a transfer amount, a transfer destination financial institution and its branch name, an account type, and an account number. 25. When the payer of the transfer fee is a payer as a result of the determination by the determining means, the calculating means:
An amount obtained by adding the transfer amount to the transfer fee of the transfer amount determined from both the transfer information and the input date and time of the transfer information, or one of the input date and time of the transfer information and the transfer information is used for the transfer. If the payer is the payee of the transfer fee as a result of the determination by the determination unit, the calculation unit determines both the transfer information and the input date and time of the transfer information, or the transfer information and 18. The financial institution server according to claim 17, wherein an amount obtained by subtracting a transfer fee of the transfer amount determined from one of the input dates and times of the transfer information from the transfer amount is an amount necessary for the transfer. . 26. The method according to claim 26, wherein the calculating unit calculates an amount of money required for the transfer by the transferor based on a determination result of the determination unit, the transfer information, and an input date and time of the transfer information. Item 18. The financial institution server according to item 17. 27. The network has a plurality of types of network routes including the Internet and a dedicated line, and the calculating means sends the result of the judgment by the judging means, the transfer information, and the transfer information to the server. 18. The financial institution server according to claim 17, wherein the amount required for the transfer of the transferor is calculated based on the type of the network route used for the transfer. 28. The financial institution server, further comprising: output means for outputting, to the financial institution terminal, the transfer amount calculated by the calculation means, the fee thereof, and information indicating the bearer thereof. The financial institution server according to claim 17, wherein 29. A transfer fee management system program comprising a financial institution server and a financial institution terminal capable of using the financial institution connected to each other via a network, wherein the financial institution terminal comprises: Input means for inputting transfer information relating to transfer including designation of a transfer fee bearer, the financial institution server, based on the transfer information input by the input means, determining means for determining a transfer charge bearer; A program for functioning as a calculating means for calculating the amount of money required for a transfer by a transferor based on the determination result of the determining means and the transfer information. 30. A program of a financial institution server connected via a network to a financial institution terminal capable of using the financial institution, wherein a transfer fee bearer is determined based on the transfer information input at the financial institution terminal. Based on either the determination result of the determination unit and the input date and time of the transfer information and the transfer information, or the transfer information and the input date and time of the transfer information, A program of the financial institution server for functioning as a calculating means for calculating a required amount. 31. The transfer unit, based on either the determination result of the determination unit and the input date and time of the transfer information and the transfer information, or any one of the input date and time of the transfer information and the transfer information. 18. The financial institution server according to claim 17, wherein an amount of money required for a person's transfer is calculated.