JP2002288441A - Method, system, and program for receipts and disbursements management and recording medium - Google Patents

Abstract

PROBLEM TO BE SOLVED: To reduce labor required for remittance by giving instructions to each of banks, at which a depositor has accounts, from a PC on the depositor side via a network to automatically successively transfer money to another bank at the time of money receipt at the account of the bank. SOLUTION: The PC on the depositor side and a plurality of banks which the depositor has accounts at are connected via the network. When money is received at the account of the first bank as a main bank (S41), a receipt report is transmitted from the first bank to the PC on the depositor side via the network (S42), and a request for automatic transfer to another bank (the second bank) is transmitted from the PC on the depositor side to the first bank via the network on the basis of the transmitted receipt report (S43). A part or the whole of the amount of money received at the account of the first bank is automatically transferred from the first bank to the account of the second bank on the basis of the transmitted request for automatic transfer, and hereafter the request for automatic transfer is successively transmitted to the third bank and the fourth bank in the same manner.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a cash management method, a cash management system, a program, and a recording medium, and more particularly, to a bank account of a bank account set by a depositor in a transaction bank from a depositor PC. The present invention relates to a cash management method, a cash management system, a cash management system, a program for causing a computer to execute the cash management method, and a recording medium storing the program.

[0002]

2. Description of the Related Art With respect to the conventional accounting management, companies and the like manage the income received from a business partner by managing the accounting by dividing the revenue into a plurality of trading banks, thereby expanding the number of trading banks. However, there is a problem that it is extremely inefficient if people and time are spent to make a transfer around a bank in a limited number of people such as small and medium-sized companies. Also, when transferring the payment to the payee such as the raw material supplier, it is necessary to transfer to a different account for each payee, and if the transfer is made in the afternoon, it may not be transferred to the payee on the same day, so if the payment date If you forget to transfer and there is no transfer, there is a risk that you will be disappointed.

[0003]

SUMMARY OF THE INVENTION The present invention has been made in view of the above points, and when a deposit is made in a bank account, a depositor's PC or the like is required to make a deposit via a network. Instruct each bank to automatically transfer to another bank's account in order to reduce the trouble of the transfer process, manage the transfer date and transfer the payment to the payee This is done for the purpose of automatically performing the transaction from the bank account up to the day before.

[0004]

The invention according to claim 1 is a cash management method for managing the cash status of funds in a bank account set by a depositor in a bank from a depositor's PC via a network. When the deposit is received in the bank account of the first bank, a deposit notification is transmitted from the first bank to the depositor-side PC via a network, and the depositor side is transmitted based on the transmitted deposit notice. An automatic transfer request is transmitted from the PC to the first bank via the network, and the first bank transfers the automatic transfer request to the bank account of the first bank based on the transmitted automatic transfer request. It is characterized in that part or all of the amount is automatically transferred to a bank account of a second bank.

According to a second aspect of the present invention, in the first aspect of the present invention, when a bank account of the second bank is automatically transferred to the bank account of the second bank, a network is connected from the second bank to the PC of the depositor. Transmitting an automatic transfer request via the network from the depositor-side PC to the second bank based on the transmitted payment notification;
Automatically transfer a part or all of the amount deposited in the bank account of the second bank by the second bank based on the transmitted automatic transfer request to the bank account of the third bank. It is characterized by the following.

According to a third aspect of the present invention, in the second aspect, a bank account of the third bank is automatically transferred to a bank account of the first bank.

According to a fourth aspect of the present invention, in the second aspect of the present invention, when an automatic transfer is to be made to four or more trading banks, each of the trading banks deposited by the automatic transfer is transferred to the second claim. It is characterized in that automatic transfer similar to the described accounting management method is sequentially performed.

[0008] The invention of claim 5 is characterized in that, in the invention of claim 4, the bank account of the transaction bank to be automatically transferred last is automatically transferred to the bank account of the first bank.

According to a sixth aspect of the present invention, in the first aspect of the present invention, the automatic transfer is performed when the sum of the amounts deposited in the bank account of the first bank reaches a predetermined amount. It is characterized by the following.

[0010] The invention of claim 7 is the invention according to any one of claims 1 to 6, wherein each time the depositor PC receives a deposit notification from the bank, the amount to be automatically transferred and the bank to be automatically transferred next. Is set by the depositor.

[0011] The invention of claim 8 is a cash management method for managing, via a network, the deposit and withdrawal status of funds in a bank account set by a depositor in a transaction bank from a depositor PC, wherein payment to a payee is performed. In the event of occurrence, the depositor's PC sends a transfer request to the bank account of the payee via the network to any house bank, and the payee's payment is made up to one day before the transfer date based on the transmitted transfer request. The transfer of the designated amount to the bank account of the above is characterized in that.

According to a ninth aspect of the present invention, in the invention of the eighth aspect, when the balance of the bank account of the arbitrary bank is insufficient, borrowing is performed up to the borrowing limit from the bank account of another bank. It is a characteristic.

According to a tenth aspect of the present invention, when a depositor's PC manages the deposit and withdrawal status of funds in a bank account set by a depositor in a transaction bank, and when asset information is input from the depositor's PC,
It is characterized in that it is connected via a network to a fund management server capable of creating a balance statement and a balance sheet every predetermined period.

According to an eleventh aspect of the present invention, in the tenth aspect of the present invention, the fund management server has a function of performing consulting based on past results and public trends, and is capable of giving advice on accounting and fund management. It is characterized by the following.

According to a twelfth aspect of the present invention, there is provided a program for causing a computer to execute the accounting control method according to any one of the first to ninth aspects.

According to a thirteenth aspect of the present invention, there is provided a computer-readable recording medium storing a program to be executed by a computer according to the twelfth aspect.

[0017]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS A depositor of a company or the like uses his / her own PC or the like to connect to a server installed in a bank online via a network, for example, to perform banking-related operations such as transfer, balance inquiry, and deposit management. Services (hereinafter referred to as farm banking services) have become available. In the present embodiment, a PC on the depositor side on which software for performing cashier management is installed is connected to a plurality of servers on the bank side via a network such as the Internet. Here, as the software for performing the above-described cash management, for example, software that executes a firm banking service may be used.

(Embodiment) FIG. 1 is a diagram showing an example of the structure of a cashier management system to which the present invention is applied. In the drawing, reference numeral 10 denotes a depositor (company) PC, and the depositor PC 10 is a cashier. It has a management program 10a, 11 is a first bank (hereinafter referred to as a main bank), 12, 13, 14, and 15 are
A house bank, 16 is a business partner (customer) side bank, 17 is a payee (supplier) side bank, and 18 is an asset management server. Each bank has a bank server (not shown) for managing bank accounts, and the depositor PC 10 and the main bank 11, the transaction banks 12, 13, 14, 15 and the asset management server 18 are connected to the Internet. And the like via a network (not shown).

First, when 10 million yen is transferred to the main bank 11 as a product price from the business partner bank 16 (S
1), a deposit notification is transmitted from the main bank 11 to the depositor-side PC 10 via the network (S2). here,
A payment notification may be sent from a business partner or a business partner bank. The depositor-side PC 10 that has received the deposit notification generates an automatic transfer request using the accounting management program 10a, and transmits the generated automatic transfer request to the main bank 11 via the network (S3). The main bank 11 receiving the automatic transfer request makes 10% of the received 10 million yen.
Deposit 100,000 yen in the account and the remaining 9 million yen to bank 12
(S4). Next, the house bank 12 similarly sends a deposit notification of 9 million yen deposited by automatic transfer to the depositor side PC 10 via the network, and the depositor side PC 10 which has received the deposit notice sends the deposit management program An automatic transfer request is generated by 10a, and the generated automatic transfer request is transmitted to the bank 12 via a network. Hereinafter, the same automatic transfer processing is performed by the house banks 13, 1
4 and 15 are performed (S5 to S7).

The automatic transfer process of S5 to S7 causes 60
100,000 yen is automatically transferred to the account of the bank 15. The bank 15 deposits 1 million yen and automatically transfers the remaining 5 million yen to the main bank 11 (S8).
Here, the automatic transfer processing may be ended, or the same processing as the above-described S4 to S8 may be performed, judging from the state of payment with each bank.

Further, automatic transfer may be performed when the amount of money deposited in the main bank 11 by the transfer of money in the above-mentioned S1 reaches a previously set amount of money. For example, when the set amount is 20 million yen, the automatic transfer processing is sequentially performed on the bank 12 and thereafter when the sum of the received amounts reaches 20 million yen.

The PC 10 of the depositor is the main bank 1
1. Each time a deposit notification is received from the bank 12, 12, 14, 15, the amount to be automatically transferred or the bank to be automatically transferred next can be determined by the depositor each time.
For example, a depositor who has received a deposit notification of 10 million yen from the main bank 11 will automatically transfer 5 million yen to the transaction bank 14 as the next automatic transaction bank.
Request for 1.

FIG. 1 when payment is made to a supplier or the like
The transfer processing to the payee in the cashier management system shown in FIG. The transfer request is transmitted from the depositor's PC 10 to the main bank 11 via the network (S21), and the amount designated from the account of the main bank 11 to the account of the payee bank 17 based on the transmitted transfer request. Is transferred (S22). At this time, the depositor's P
Since the transfer date is managed in C10, it is possible to automatically transfer the payment to the payee bank 17 by the day before the transfer date. Here, the bank that transfers money to the account of the payee bank 17 is not limited to the main bank 11, and it is also possible to transfer money from another bank.

In the present embodiment, if the funds in the account of the main bank 11 performing the transfer are insufficient, borrow money from one or more of the accounts of the other banks 12, 13, 14, and 15. Borrow within the limit,
A transfer can be made to the payee bank 17. For example, for a payment of 20 million yen, the main bank 11
If your account balance is only 10 million yen, your bank 12
Borrows the borrowing limit of 5 million yen from the account of
23) The remaining 5 million yen can be borrowed from the bank 13 and transferred from the account of the main bank 11 to the payee bank 17 as a total of 20 million yen.

The asset management server 18 shown in FIG.
When data and asset information of deposit at each sunrise are input from the depositor's PC 10 via the network (S31), withdrawal management at predetermined intervals, for example, every month or every half year, based on the input information. Tables and balance sheets can be automatically generated. Furthermore, since it has a function of performing consulting based on past results and public trends such as stock prices, it is possible to give advice on depositing and withdrawal and fund management to depositors. Further, when this asset management server 18 is applied to an individual, it can be used as a “consumer life advisor” for preventing bankruptcy of a card or bankruptcy.

FIG. 2 is a flowchart illustrating an example of an automatic transfer process to which the present invention is applied. First, when money is deposited from the business partner bank 16 to the account of the main bank 11 as the first bank (step S41), a payment notification is transmitted from the main bank 11 to the depositor PC 10 via the network (step S41). S42). The depositor-side PC 10 that has received the deposit notification transmits an automatic transfer request to the main bank 11 via the network (step S4).
3). In this automatic transfer request, the amount of the transfer and the bank to which the transfer will be made next are set in advance, but the depositor makes the settings according to the funding status of the account of the bank at each deposit notification. Is also good.

Next, it is determined whether or not the amount automatically transferred by the main bank 11 based on the automatic transfer request is a part of the deposit amount (step S44).
In the case of ES, the designated amount is automatically transferred from the main bank 11 to the bank 12 as the second bank via the network (step S46). If it is not a part of the deposit amount in step S44 (in the case of NO), it is determined whether the amount to be automatically transferred is the full deposit amount (step S45), and if it is the full deposit amount (in the case of YES). ), The total amount of the deposit is automatically transferred from the main bank 11 to the correspondent bank 12 as a second bank via the network (step S46).

FIG. 3 is a flowchart illustrating an example of an automatic transfer process to which the present invention is applied. First, when the main bank 11 transfers money to the account of the correspondent bank 12 as a second bank by automatic transfer (step S51), the correspondent bank 12 sends a deposit notice to the depositor PC 10 via the network (step S51). Step S52). The depositor-side PC 10 that has received the deposit notification transmits an automatic transfer request to the bank 12 via the network (step S53). In this automatic transfer request, the amount of the transfer and the bank to which the transfer will be made next are set in advance, but the depositor makes the settings according to the funding status of the account of the bank at each deposit notification. Is also good.

Next, based on the automatic transfer request, the bank 1
In step S54, it is determined whether or not the amount to be automatically transferred is part of the deposit amount (step S54).
In the case of S), the designated amount is automatically transferred from the house bank 12 to the house bank 13 as the third bank or the main bank 11 as the first bank via the network (step S56). If it is not a part of the deposit amount in step S54 (in the case of NO), it is determined whether or not the amount to be automatically transferred is the full deposit amount (step S55), and if it is the full deposit amount (in the case of YES). ), The full amount of the deposit is automatically transferred from the house bank 12 to the house bank 13 or the main bank 11 via the network (step S56).

FIG. 4 is a flowchart illustrating an example of an automatic transfer process to which the present invention is applied. The process shown in FIG. 4 shows a case where there are four or more banks, and in this example, the number of banks is n, and the automatic transfer process is sequentially performed for each bank up to the n-th bank. First, by automatic transfer, n-1
(Step S61), the n-th bank
The bank-1 sends a deposit notification to the depositor-side PC 10 via the network (step S62). The depositor-side PC 10 that has received the deposit notification transmits an automatic transfer request to the (n-1) th bank via the network (step S63). In this automatic transfer request, the transfer amount and the bank that will make the next transfer are set in advance.
Depending on the funding status of your bank account,
The setting may be made by the depositor.

Next, it is determined whether or not the amount to be automatically transferred at the (n-1) th bank based on the automatic transfer request is a part of the deposit amount (step S64).
In the case of ES), the amount specified from the (n-1) th bank to the nth bank or the main bank 11 as the first bank via the network is automatically transferred (step S66). If it is not a part of the deposit amount in step S64 (NO), it is determined whether or not the amount to be automatically transferred is the full amount of the deposit amount (step S6).
5) If the total amount of the deposit is full (in the case of YES), the full amount of the deposit is automatically transferred from the (n-1) th bank to the nth bank or the main bank 11 via the network (step S66). .

As described above, when the number of banks is n = 2, the automatic transfer processing shown in FIG. 2 is performed, and when the number of banks is n = 3, the automatic transfer processing shown in FIGS. 2 and 3 is performed. In the case where automatic transfer is performed for four or more banks, the automatic transfer process shown in FIG. 2 is performed for the main bank 11, and then the automatic transfer process shown in FIG. Go to the nth bank. At this time,
It is also possible to return to the main bank 11 as a transaction bank of the above and make an automatic transfer to the main bank 11.

FIG. 5 is a flowchart showing an example of an automatic transfer process to which the present invention is applied. First, a deposit request is transmitted from the depositor's PC 10 to an arbitrary bank via a network (step S71), and it is determined whether or not the date is before the transfer date (step S72). ), It is determined whether or not the account balance of the house bank is insufficient for the transfer amount (step S73). If the account balance is sufficient (case of NO), the house bank sends the account to the payee bank. Transfer the designated amount to the 17 accounts (step S
76). If the account balance is insufficient (in the case of YES), borrow from another bank (step S7)
4) It is determined whether or not the borrowing amount is within the borrowing limit (step S75).
Transfer the specified amount to the account (step S7)
6).

[0034]

According to the present invention, when a deposit is made in a bank account, the depositor's PC or the like sends the deposit to another bank account via a network from a PC or the like on the depositor side. By instructing the automatic transfer to be performed sequentially, the trouble of transferring to multiple house banks can be reduced.In addition, the transfer date can be managed and the transfer to the payee can be made by the day before the transfer date. Can be done automatically from

[Brief description of the drawings]

FIG. 1 is a diagram illustrating a configuration example of a cashier management system to which the present invention is applied.

FIG. 2 is a flowchart illustrating an example of an automatic transfer process to which the present invention is applied.

FIG. 3 is a flowchart illustrating an example of an automatic transfer process to which the present invention is applied.

FIG. 4 is a flowchart illustrating an example of an automatic transfer process to which the present invention is applied.

FIG. 5 is a flowchart illustrating an example of an automatic transfer process to which the present invention is applied.

[Explanation of symbols]

10 PC on depositor's side, 10a Cash management program, 1
1 ... first bank (main bank), 12, 13, 1
Reference numerals 4, 15: correspondent bank, 16: correspondent bank, 17: payee bank, 18: asset management server.

Claims (13)

[Claims] Claims: 1. A deposit and withdrawal management method for managing the deposit and withdrawal status of funds in a bank account set by a depositor in a transaction bank from a depositor's PC via a network. Then, a deposit notification is transmitted from the first bank to the depositor-side PC via a network, and a network is transmitted from the depositor-side PC to the first bank based on the transmitted deposit notice. Transmitting a part or all of the amount deposited in the bank account of the first bank by the first bank based on the transmitted automatic bank transfer request; A cash management method characterized by automatic transfer to a bank account of a house bank. 2. The method according to claim 1, wherein when a deposit is made to the bank account of the second bank by automatic transfer, a deposit notification is transmitted from the second bank to the depositor-side PC via a network. Transmitting an automatic transfer request via the network from the depositor-side PC to the second bank based on the transmitted deposit notification, and transmitting the second bank based on the transmitted automatic transfer request. A part or all of the amount of money deposited in the bank account of the second bank by the method according to claim 1, wherein the bank account is automatically transferred to the bank account of the third bank. 3. The account management method according to claim 2, wherein the bank account of the third bank is automatically transferred to the bank account of the first bank. 4. In the case where automatic transfer is to be performed to four or more bank banks in claim 2, the same as the accounting management method according to claim 2, for each bank that has been deposited by the automatic transfer. A cashier management method characterized by sequentially performing automatic transfer of items. 5. The method according to claim 4, wherein the bank account of the first bank is automatically transferred to the bank account of the first bank as the bank account of the bank to be automatically transferred last. 6. The cash management system according to claim 1, wherein said automatic transfer is performed when a total amount of money deposited in a bank account of said first bank reaches a predetermined amount. Method. 7. The method according to claim 1, wherein
Each time the depositor's PC receives a deposit notice from a bank, the depositor sets the amount to be automatically transferred and the bank to be automatically transferred next by the depositor. 8. A cash management method for managing the balance of funds in a bank account set by a depositor in a bank by a depositor's PC via a network, wherein the method includes the steps of: A transfer request to the payee's bank account is transmitted from the depositor's PC to an arbitrary house bank via a network, and designated to the payee's bank account by the day before the transfer date based on the transmitted transfer request. Payment management method characterized by performing the transfer of the amount of money. 9. The accounting management method according to claim 8, wherein when the balance of the bank account of the arbitrary bank is insufficient, the bank account of another bank is borrowed up to the borrowing limit. 10. A depositor-side PC for managing the depositing / dispensing status of funds in a bank account set by a depositor in a bank, and when asset information is input from the depositor-side PC, a balance statement is issued at predetermined intervals. Management system that is connected via a network to a fund management server that can create a balance sheet and a balance sheet. 11. The cash management system according to claim 10, wherein the cash management server has a function of performing consulting based on past results and public trends, and is capable of giving advice on cash payment and money management. system. 12. A program for causing a computer to execute the cashier management method according to claim 1. 13. A computer-readable recording medium on which a program for causing a computer to execute according to claim 12 is recorded.