JP2002329156A - Device and method for transfer request totalization, computer-readable recording medium with program recorded thereon, and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To reduce the labor for accounting work and to reduce the labor and cost for transfer processing in a financial institution by processing a plurality of transfer requests collectively. SOLUTION: Transfer request information inputted from a transfer request information input part 1 is stored in a transfer request management table 2, a transfer object extraction part 3 extracts transfer request information whose term expires, and a transfer request totalization part 4 sums up the transfer amounts of transfer request having the same transfer destination account an payment account, and a transfer processing part 5 performs transfer processing of the total transfer amount and a transfer request total record output part 6 outputs transfer request total records including the individual transfer amounts.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transfer request counting device for counting transfer requests, collectively processes a plurality of transfer requests, reduces the labor of accounting work, and furthermore the labor related to the transfer processing inside a financial institution. And a transfer request totaling device capable of reducing costs.

[0002]

2. Description of the Related Art In the case of a transfer using a financial institution, if there are a plurality of transfers in which the transfer requester and the receiver are common, the transfer is individually requested, so that the labor and cost of accounting work are enormous. .

[0003] In addition, since accounting is independent for each organization, if there is a business that uses a plurality of accounts as a whole, it is customary to transfer funds from each account to a specific transfer destination. , Wasteful costs.

[0004]

SUMMARY OF THE INVENTION The present invention has been made to eliminate the above-mentioned drawbacks of the prior art, and an object of the present invention is to provide a transfer request totalizing device for collecting transfer requests. It is an object to reduce the labor and cost related to the transfer processing inside the financial institution by batch processing the transfer request of the financial institution and reducing the labor of the accounting work.

[0005]

A transfer request tallying device according to the present invention is a transfer request tallying device for tallying transfer requests, and has the following elements. (1) Specifying a transfer destination account A transfer request information input unit for inputting a plurality of transfer request information including a transfer destination account information to be transferred, a withdrawal account information for specifying a withdrawal account, and a transfer amount (2) A transfer for storing a plurality of input transfer request information. Request management table (3) Among the plurality of transfer request information stored in the transfer request management table, at least a part of the transfer request information to be transferred, and the set of the transfer destination account information and the withdrawal account information is common. Regarding the transfer request information, the total transfer amount is calculated by adding up the transfer amounts in the transfer request information,
A transfer request tallying unit that generates information for a transfer process including the transfer destination account information and the set of the withdrawal account information.

[0006] A transfer request totaling device according to the present invention is a transfer request totaling device that totals transfer requests, and has the following elements: (1) transfer destination account information for specifying a transfer destination account; A transfer request information input unit for inputting a plurality of transfer request information including a transfer account information for specifying a transfer account and a transfer amount (2) a transfer request management table for storing a plurality of input transfer request information (3) A group account management table for associating a plurality of group constituent account information specifying a group constituent account constituting a group with a group representative account specifying a group representative account representative of the group. (4) A plurality of group information stored in the transfer request management table Of the transfer request information, at least a part of the transfer request information to be transferred, and the account specified by the withdrawal account information of the transfer request information is A common group is configured based on the group account management table, and for the transfer request information that shares the transfer destination account information of the transfer request information, the group configuration account information is used as information to identify the withdrawal account, and the group representative account information is transferred Generates information for the transfer process as information to specify the destination account, and transfers the transfer amount in the transfer request information, further adds up the transfer amount in the transfer request information to obtain the total transfer amount, The representative account information is used as the information for specifying the withdrawal account, the transfer destination account information in the transfer request information is used as the information for specifying the transfer destination account, and the information for the transfer process is generated with the calculated total transfer amount as the transfer amount. Transfer request aggregation section.

The transfer request totaling unit generates a transfer request totaling record including a transfer amount of the transfer request information used for the summation, and the transfer request totaling device further outputs the generated transfer request totaling record. It is characterized by having a transfer request tally record output.

[0008] The transfer request information input unit inputs a plurality of transfer request information further including a transfer processing date, and the transfer request totaling device further stores the transfer request information that has reached the transfer processing date in a transfer request management table. , And the transfer request totaling unit sets the extracted transfer request information as the transfer request information to be transferred.

The transfer request totaling device further includes a due date management table for associating a set of the transfer destination account information and the withdrawal account information with a due date for the transfer processing, and a plurality of transfer request information stored in the transfer request management table. And a transfer target extraction unit for extracting transfer request information that has reached the due date for the transfer process, which is associated with the set of the transfer destination account information and the withdrawal account information of the transfer request information on the due date management table, The transfer request tallying unit may use the extracted transfer request information as the transfer request information to be transferred.

[0010] A transfer request totaling method according to the present invention is a transfer request totaling method by a transfer request totaling device that totals transfer requests, and has the following elements. (1) Specifying a transfer destination account A transfer request information input step of inputting a plurality of transfer request information including a transfer destination account information, a withdrawal account information specifying a withdrawal account, and a transfer amount (2) a step of storing a plurality of input transfer request information ( 3) Of the plurality of transfer request information to be stored, at least a part of the transfer request information to be transferred, in which the set of the transfer destination account information and the withdrawal account information is common, the transfer request information A transfer request summarizing step of adding up the transfer amounts to obtain a total transfer amount, and generating information for a transfer process including the calculated total transfer amount and a set of the transfer destination account information and the withdrawal account information;

[0011] In the transfer request summarizing method according to the present invention, a group account management for associating a plurality of group constituent account information specifying a group constituent account constituting a group with a group representative account specifying a group representative account representative of the group. A transfer request totaling method using a transfer request totaling device that has a table and totals transfer requests, and has the following elements: (1) Transfer destination account information for specifying a transfer destination account; A transfer request information input step of inputting a plurality of transfer request information including a withdrawal account information for specifying an account and a transfer amount (2) A step of storing a plurality of input transfer request information (3) Stored in a transfer request management table Out of a plurality of transfer request information to be transferred, which is at least a part of the transfer request information, which is specified by the withdrawal account information of the transfer request information. Accounts form a common group based on the group account management table, and for transfer request information that shares the transfer destination account information of the transfer request information, the group configuration account information is used as information for specifying the withdrawal account, and the group representative account The information is used to specify the transfer destination account, the transfer amount of the transfer request information is generated as the amount to be transferred, the information for the transfer process is generated, and the transfer amount of the transfer request information is added up to obtain the total transfer amount The information for the transfer process that the requested and group representative account information is the information for specifying the withdrawal account, the transfer destination account information in the transfer request information is the information for specifying the transfer destination account, and the calculated total transfer amount is the transfer amount Transfer request aggregation process that generates

[0012] A computer-readable recording medium on which the program according to the present invention is recorded is a transfer request including transferee account information for specifying a transfer destination account, withdrawal account information for specifying a withdrawal account, and a transfer amount. A transfer request management table that stores a plurality of pieces of information is provided, and a computer that is a transfer request totaling device that totals transfer requests is a computer-readable recording medium that records a program for executing the following processing. (1) A transfer request is made for transfer request information that is at least a part of a plurality of transfer request information to be stored and that has a common set of transfer destination account information and withdrawal account information. Processing to calculate the total transfer amount by summing up the transfer amounts of information (2) Include the calculated total transfer amount and the above set of transfer destination account information and withdrawal account information The process of generating the information for the transfer process.

[0013] A computer-readable recording medium having recorded thereon a program according to the present invention includes a plurality of group constituent account information specifying a group constituent account constituting a group, and a group representative account specifying a group representative account representative of the group. A transfer account management table that stores a plurality of transfer request information including a transfer account information that specifies a transfer account, a transfer account information that specifies a transfer account, and a transfer amount. And a computer-readable recording medium that records a program for causing a computer serving as a transfer request totaling device that totals transfer requests to execute the following processing. (1) The transfer request management table Transfer request information that is at least part of the transfer request among the multiple transfer request information to be stored The account specified by the withdrawal account information of the transfer request information forms a common group based on the group account management table, and the transfer request information having the same transfer destination account information of the transfer request information is grouped. Processing for generating information for transfer processing, assuming that the constituent account information is information for specifying the withdrawal account, the group representative account information is information for specifying the transfer destination account, and the transfer amount of the transfer request information is the transfer amount 2) For the transfer request information to be processed in (1), the total transfer amount of the transfer request information is added to obtain the total transfer amount, and the group representative account information is used as information for specifying a withdrawal account. A process for generating information for a transfer process in which the transfer account information of the information is set as information for specifying the transfer destination account, and the obtained total transfer amount is set as the transfer amount.

A program according to the present invention is a transfer request management table for storing a plurality of transfer request information including transfer destination account information for specifying a transfer destination account, withdrawal account information for specifying a withdrawal account, and a transfer amount. And a program for causing a computer serving as a transfer request totaling device that totals the transfer requests to execute the following procedure. (1) At least a part of a plurality of stored transfer request information Procedure for obtaining the total transfer amount by adding up the transfer amounts of the transfer request information for the transfer request information that is the transfer request information that is the same as the transfer destination account information and the withdrawal account information. A procedure for generating information for a transfer process including the obtained total transfer amount and a set of the transfer destination account information and the withdrawal account information.

[0015] A program according to the present invention comprises a group account management table for associating a plurality of group constituent account information for specifying a group constituent account constituting a group, and a group representative account for specifying a group representative account representing the group. A transfer request management table for storing a plurality of transfer request information including transfer destination account information for specifying a transfer destination account, withdrawal account information for specifying a withdrawal account, and a transfer amount, and a transfer for counting transfer requests It is a program for causing a computer serving as a request aggregation device to execute the following procedure. (1) At least a part of a plurality of transfer request information stored in a transfer request management table is a transfer target The account specified by the withdrawal account information in the transfer request information is the transfer request information based on the group account management table. The transfer request information with the same transfer destination account information as the transfer request information is used as the group configuration account information as information for specifying the withdrawal account, and the group representative account information is specified as the transfer destination account The procedure for generating the information for the transfer process as the amount to transfer the transfer amount of the transfer request information as the information (2) For the transfer request information to be processed in (1), the transfer amount of the transfer request information The total transfer amount is calculated, the group representative account information is used as the information for specifying the withdrawal account, the transfer destination account information in the transfer request information is used as the information for specifying the transfer destination account, and the calculated total transfer amount is transferred. A procedure for generating information for the transfer process.

[0016]

DESCRIPTION OF THE PREFERRED EMBODIMENTS Embodiment 1 Hereinafter, the present invention will be described based on embodiments shown in the drawings. FIG. 1 is a diagram illustrating a configuration of the transfer request totaling device according to the first embodiment. 1
Is a transfer request information input unit, 2 is a transfer request management table, 3 is a transfer object extracting unit, 4 is a transfer request totaling unit, 5
Denotes a transfer processing unit, and 6 denotes a transfer request tally record output unit. The transfer request aggregation device is an ATM via a network
(Automated teller machine
e: automatic cash withdrawal / depositing device), a terminal for a person in charge, a printing device, a communication device, and the like.

Next, the operation will be described. FIG. 2 is a diagram showing a processing flow regarding transfer request acceptance. The transfer request information input unit 1 inputs transfer request information from an ATM or a person in charge terminal (S201). The transfer request information includes the transfer destination account information, the withdrawal account information, the name of the client, the transfer amount, the transfer method, and the due date. In this example, the transfer destination account information includes the name of the transfer destination financial institution, the name of the branch, the type of deposit, and the account number, but any information that can specify the transfer destination account is sufficient. In addition, withdrawal account information,
It is composed of the name of the withdrawal financial institution, the name of the branch, the type of deposit, and the account number, but it is sufficient if the information can specify the withdrawal account.

Subsequently, a transfer request I for this transfer request
D is determined (S202), and the transfer request information is stored in the transfer request management table in association with the transfer request ID (S20).
3). Finally, transfer request I to the ATM or the person in charge
D is output (S204). The transfer request ID may be printed on a statement or the like.

In this way, the transfer request information is registered in the transfer request management table. FIG. 3 is a diagram illustrating a configuration example of the transfer request management table. A record is provided for each transfer request. As shown in the drawing, the items include items from a reception date 301 to a due date 317. Among them, the pseudonym and kanji of the payee name can be acquired by indicating the transferee account information to the transferee financial institution name system. In this way, a transfer request with a designated date is accumulated.

Next, a description will be given of a transfer process performed every working day. This is a process of executing the accumulated transfer request with a designated date. FIG. 4 is a diagram showing a processing flow for a transfer request specifying a due date. Transfer target extraction processing (S401) by the transfer target extracting unit 3 and the transfer request totaling unit 4
The transfer request tallying record is output by the transfer request tallying record output unit 6 (S403). Hereinafter, the details of the processing will be described.

FIG. 5 is a diagram showing a transfer object extraction processing flow. The transfer object extraction unit 3 includes a transfer request management table 2
, The transfer request information is sequentially read out, and the following processing is repeated (S501). If the transfer method is due date designation (S5
02) If the date falls (S503), a transfer request ID is output (S504). The process ends when all the transfer request information has been processed (S505).

FIG. 6 is a diagram showing a transfer request totaling processing flow. The transfer request totaling unit 4 sequentially reads the transfer request ID output from the transfer target extracting unit, and repeats the following processing (S601). The transfer destination account information, the withdrawal account information, and the transfer amount corresponding to the transfer request ID are read from the transfer request management table (S602). Regarding the transfer request where the transfer account information and the withdrawal account information match,
The transfer request ID and the transfer amount are stored (S603). The processing is performed for all the transfer request IDs, and when the transfer request IDs are divided into groups, the processing proceeds to the next processing (S604). The following process is repeated for each transfer request group in which the transfer destination account information and the withdrawal account information match (S605). The transfer amounts included in the group are summed to obtain a total transfer amount (S606). The transfer destination account information, the withdrawal account information, and the total transfer amount are generated as information for the transfer process (S607). It requests the transfer processing unit 5 to perform a transfer process (S608). Note that it is also effective to transfer information for the transfer processing by a network, a storage medium, or an operation without including the transfer processing unit 5 in the transfer request totaling device. Finally, the transfer destination account information, the withdrawal account information, the transfer date, the transfer request ID,
A transfer totaling record including each set of transfer amount (transfer details) and the total transfer amount is generated (S609). These processes,
Performed for a group of all transfer requests (S61
0).

FIG. 7 is a diagram showing an example of information for the transfer process. In this example, records 351 and 361 in FIG.
371 shows that three transfer requests are collectively processed as one transfer request.

The transfer request tallying record output unit 6 can lay out and print the information obtained from the transfer request tallying unit 4. FIG. 8 is a diagram illustrating an example of the transfer request totaling record. With this record, even if the transfer is made collectively, the details can be easily grasped. The output by the transfer request tallying record output unit 6 is not limited to printing, but display of information acquired from the transfer request tallying unit 4 and transmission of the same information are also effective.

Embodiment 2 In the present embodiment, a description will be given of a form in which a due date is specified in advance in association with a set of a transfer destination account and a collection account, and the input of the due date when accepting a transfer request is omitted. FIG. 9 is a diagram illustrating a configuration of a transfer request totaling device according to the second embodiment. 7 is a due date management table.

FIG. 10 is a diagram showing a configuration example of the due date management table. For each set of transfer account information and withdrawal account information,
The due date is set. In this example, a specific date is stored as the due date, but it is also effective to set conditions such as the end of each month. In that case, whether or not the date falls is determined based on whether or not the condition is met.

The processing in the transfer request information input section 1 operates in the same manner as in the first embodiment except that the input of the due date is omitted. The transfer request management table 2 is the date 31 in FIG.
Item 7 becomes unnecessary.

The transfer object extracting unit 3 includes a due date management table 7
To perform the transfer object extraction processing. FIG. 11 is a diagram showing a transfer target extraction processing flow according to the second embodiment. The transfer target extracting unit 3 sequentially reads out the transfer request information from the transfer request management table 2 and repeats the following processing (S1101). If the payment method is due date designation (S
1102), searching the date management table 7 for a record that matches the transfer destination account information and the withdrawal account information included in the transfer request information, and reads the corresponding date (S110).
3). Then, when the date falls (S1104),
The transfer request ID is output (S1105). These processes are all performed on the transfer request information (S1106).

By configuring and operating in this manner, time and effort for date entry can be saved, date entry errors can be prevented, and batch payment can be ensured.

Embodiment 3 In the present embodiment, a plurality of withdrawal accounts (group-constituting accounts) is defined as one group,
Transfer the transfer from the withdrawal account to the group representative account,
A description will be given of a mode of collectively transferring a group transfer from a group representative account to a transfer destination account.

FIG. 12 is a diagram showing a configuration of a transfer request totaling device according to the third embodiment. 8 is a group account management table, and 9 is a transfer processing unit.

FIG. 13 is a diagram showing a configuration example of the group account management table. As shown in the figure, one group representative account information and a plurality of group constituent account information 1351
To 1353 are stored in association with each other. For example, in the case of having an account for each department of one company, it is effective to specify an account for each department based on group constituent account information and to specify a representative account as a company based on group representative account information. . Therefore, in the case of the above example, the company name is used as the client name which is the name of the group representative account.

FIG. 14 is a diagram showing a configuration example of a transfer request management table according to the third embodiment. In this example, as shown in records 1451, 1461, and 1471, transfer requests from a plurality of group constituent accounts to the same transfer destination account are accumulated.

Transfer request information input unit 1 and transfer target extraction unit 3
Is the same as in the first embodiment. The processing of the transfer request tallying unit 4 which is a feature of the present embodiment will be described.
FIG. 15 is a diagram illustrating a flow of a transfer request totaling process according to the third embodiment. The transfer request totaling unit 4 sequentially reads the transfer request ID output from the transfer target extracting unit 3, and repeats the following processing (S1501). The transfer destination account information, the withdrawal account information, and the transfer amount corresponding to the transfer request ID are read from the transfer request management table 2 (S1502). It is determined whether the withdrawal account information is registered as a group constituent account on the group account management table 8 (S150).
3). If not registered, the process of S603 in FIG. 6 is performed. On the other hand, if registered, a group representative account associated with the group constituent account is requested,
Regarding the transfer request in which the set of the transfer destination account information and the group representative account information match, the transfer request ID and the transfer amount are stored as a unit (S1504). All transfer requests I
After completing the above-described processing for D, the processing shifts to the next processing (S1505). The following process is repeated for each transfer request group in which the group of the transfer destination account information and the group representative account match (S1506). The transfer amount corresponding to the transfer request ID is summed up for each group constituent account (S1507).
The information for the transfer process from the group constituent account to the group representative account is generated using the total of the transfer amounts as the transfer amount (S1508). As a result, a transfer process is requested to the transfer processing unit 9 (S1509). Further, the transfer amounts included in the set are summed up to obtain a total transfer amount (S
1510), transfer destination account information, group representative account information, and total transfer amount are generated as information for transfer processing (S1511). Thereby, a transfer process is requested (S
1512). Lastly, the transfer destination account information, the group representative account information, the transfer date, the set of the transfer request ID, the group constituent account and the transfer amount, the total transfer amount for each group constituent account, and the total transfer amount are included. A transfer totaling record is generated (S1513). The processing is completed for all the transfer requests and the processing is terminated (S1514).

FIG. 16 is a diagram showing an example of information for the transfer process. A record is provided for each set of the transfer destination account information and the group representative account information, and the transfer amount is associated with the record. The transfer amount 1609 of the record 1651 in this example is
The transfer amount 1609 of the record 1652 corresponds to the sum of the transfer amount 1415 of 1461 and 1471 in FIG.

FIG. 17 is a diagram showing an example of information for the transfer processing in the third embodiment. Transfer account information, payout account information indicating a group representative account, and a transfer amount are stored in association with each other. The transfer amount in this example is the transfer amount 141 of 1451, 1461, and 1471 in FIG.
5 equivalent.

FIG. 18 is a diagram showing an example of a transfer request totaling record according to the third embodiment. As shown in the figure, the details of the transfer can be easily confirmed by referring to the details of the transfer.

Embodiment 4 FIG. In the present embodiment, a case will be described in which both the handling of the due date in the second embodiment and the handling of the group in the third embodiment are performed. FIG.
9 is a diagram showing a configuration of a transfer request totaling device according to Embodiment 4. FIG. The due date management table 7 sets a due date in advance for a set of transfer destination account information and group representative account information. FIG. 20 is a diagram illustrating a configuration example of a due date management table according to the fourth embodiment.

The transfer object extraction unit 3 determines whether the withdrawal account information obtained from the transfer request management table 2 matches the group constituent account information on the group account management table 8.
Read the corresponding group representative account information. Then, the date corresponding to the pair of the acquired transfer destination account information and the group representative account information is read from the date management table 7, and the determination of S503 in FIG. 5 is performed based on the date.

The transfer request totaling device is a computer, and each element can execute processing by a program. Further, the program can be stored in a storage medium, and can be read by the computer from the storage medium.

In the processing related to the acceptance of the transfer request shown in FIG. 2, if only the transfer method designated by the due date is stored in the table, the transfer method extraction processing shown in FIG. (S502) becomes unnecessary.

The transfer processing unit 9 has been described as the transfer processing because the transfer of funds within the group is performed on the premise that the accounts of the same financial institution in the same branch of the same financial institution are grouped.
When accounts of different financial institutions, accounts of different branches, or accounts of different names are included in a group, the transfer of funds between them can be treated as a transfer process. In this case, the transfer is replaced with a transfer, the transfer destination account becomes a transfer destination account, and the transfer processing unit becomes a transfer processing unit.

It is also effective that the transfer request ID can be designated and canceled before the due date. In that case,
Transfer request ID specified on transfer request management table 2
Delete the record corresponding to.

[0044]

According to the present invention, since a plurality of transfer requests are processed collectively, the labor of the accounting office requesting the transfer is reduced, and the labor and cost related to the transfer processing inside the financial institution are reduced.

Since the withdrawals from the group constituent accounts are collected and transferred by the group representative account, when there is an entity utilizing a plurality of accounts, the transfer from each account to a specific transfer destination can be collectively transferred. As a result, while supporting various accounting systems, the labor of the accounting clerk requesting the transfer is reduced, and the labor and cost related to the transfer processing inside the financial institution are reduced.

It becomes possible to specify the details of the transfer processed collectively. Therefore, it becomes easier to deal with actual transactions.

A transfer is requested by designating a due date, and the remittance is made on the designated due date, so that the transfer request can be made without being restricted by the transfer time and irrespective of the fund status at the time of the transfer. Become. This simplifies the procedure and facilitates fund management.

Since the payment is made on a preset date, in addition to the above-described effects, the labor for inputting the date can be reduced, and the date input error can be prevented.

[Brief description of the drawings]

FIG. 1 is a diagram showing a configuration of a transfer request totaling device according to a first embodiment.

FIG. 2 is a diagram showing a processing flow concerning transfer request acceptance.

FIG. 3 is a diagram illustrating a configuration example of a transfer request management table.

FIG. 4 is a diagram showing a processing flow for a transfer request specifying a due date.

FIG. 5 is a diagram showing a transfer target extraction processing flow.

FIG. 6 is a diagram showing a transfer request totaling processing flow.

FIG. 7 is a diagram illustrating an example of information for a transfer process.

FIG. 8 is a diagram showing an example of a transfer request tally record.

FIG. 9 is a diagram showing a configuration of a transfer request totaling device according to a second embodiment.

FIG. 10 is a diagram illustrating a configuration example of a due date management table.

FIG. 11 is a diagram showing a transfer target extraction processing flow according to the second embodiment.

FIG. 12 is a diagram showing a configuration of a transfer request totaling device according to a third embodiment.

FIG. 13 is a diagram showing a configuration example of a group account management table.

FIG. 14 is a diagram showing a configuration example of a transfer request management table according to the third embodiment.

FIG. 15 is a diagram showing a transfer request totaling processing flow in the third embodiment.

FIG. 16 is a diagram illustrating an example of output data to a transfer processing unit.

FIG. 17 is a diagram illustrating an example of information for a transfer process according to the third embodiment.

FIG. 18 is a diagram illustrating an example of a transfer request tally record according to the third embodiment.

FIG. 19 is a diagram showing a configuration of a transfer request totaling device according to a fourth embodiment.

FIG. 20 is a diagram showing a configuration example of a due date management table according to the fourth embodiment.

[Explanation of symbols]

1 transfer request information input section, 2 transfer request management table,
3. Transfer object extraction unit, 4 transfer request totaling unit, 5 transfer processing unit, 6 transfer request totaling record output unit, 7 date management table, 8 group account management table, 9 transfer processing unit.

Claims (11)

[Claims] A transfer request tallying device for tallying transfer requests, wherein the transfer request tallying device has the following elements: (1) transfer destination account information for specifying a transfer destination account; Request information input unit for inputting a plurality of transfer request information including withdrawal account information for specifying the transfer amount and the transfer amount (2) a transfer request management table for storing a plurality of input transfer request information (3) a transfer request management table Of the transfer request information to be transferred, which is at least part of the transfer request information to be stored, and which has a common set of the transfer destination account information and the withdrawal account information. By adding the amounts, the total transfer amount is obtained, and the obtained total transfer amount,
A transfer request tallying unit that generates information for a transfer process including the transfer destination account information and the set of the withdrawal account information. 2. A transfer request tallying device for tallying transfer requests, the transfer request tallying device having the following elements: (1) transfer destination account information for specifying a transfer destination account; Transfer request information input unit for inputting a plurality of transfer request information including withdrawal account information specifying the transfer amount and a transfer amount (2) a transfer request management table for storing a plurality of input transfer request information (3) forming a group A group account management table that associates a plurality of group constituent account information specifying a group constituent account with a group representative account specifying a group representative account representative of the group. (4) A plurality of transfer request information stored in the transfer request management table Of these, at least a portion of the transfer request information to be transferred, and the account specified by the withdrawal account information in the transfer request information is a group account A common group is configured based on the table, and for the transfer request information with the same transfer destination account information of the transfer request information, the group configuration account information is used as information to specify the withdrawal account, and the group representative account information is used as the transfer destination account Generates information for the transfer process as the information to be specified and the amount to transfer the transfer amount in the transfer request information, further adds up the transfer amount in the transfer request information, obtains the total transfer amount, and obtains the group representative account information Is the information to specify the withdrawal account, the transfer destination account information in the transfer request information is the information to specify the transfer destination account, and the total transfer amount obtained is the transfer amount. Department. 3. The transfer request tallying unit generates a transfer request tally record including a transfer amount of the transfer request information used for the summation, and the transfer request tallying device further stores the generated transfer request tally record. 3. The transfer request totaling device according to claim 1, further comprising a transfer request totaling record output to be output. 4. The transfer request information input section inputs a plurality of transfer request information further including a transfer processing date, and the transfer request totaling device further transfers the transfer request information reaching the transfer processing date. 3. The transfer request extracting unit for extracting from a management table, wherein the transfer request totaling unit sets the extracted transfer request information as the transfer request information to be transferred. Transfer request tallying device described in. 5. The transfer request totaling device further includes a due date management table for associating a set of the transfer destination account information and the withdrawal account information with a due date for the transfer processing, and a plurality of transfer requests stored in the transfer request management table. It has a transfer target extraction unit that extracts transfer request information that reaches the due date for transfer processing, which is associated with the transfer destination account information and the withdrawal account information set of the transfer request information on the due date management table. The transfer request totaling device according to claim 1, wherein the transfer request totaling unit uses the extracted transfer request information as the transfer request information to be transferred. 6. A transfer request tallying method by a transfer request tallying device for tallying transfer requests, the transfer request tallying method having the following elements: (1) Transferee account information for specifying a transferee account And a transfer request information input step of inputting a plurality of transfer request information including payout account information for specifying a payout account and a transfer amount (2) a step of storing a plurality of input transfer request information (3) storing The transfer amount of the transfer request information is summed up for the transfer request information that is at least part of the transfer request information and is the same as the transfer destination account information and the withdrawal account information. A transfer request summarizing step of obtaining a total transfer amount and generating information for a transfer process including the calculated total transfer amount and a set of the transfer destination account information and the withdrawal account information. 7. A group account management table for associating a plurality of group constituent account information for specifying a group constituent account constituting a group with a group representative account for specifying a group representative account representing the group. A transfer request tallying method by a transfer request tallying device for tallying, comprising the following elements: (1) Transferee account information for specifying a transferee account and a withdrawal account A transfer request information input step of inputting a plurality of transfer request information including payout account information and a transfer amount (2) A step of storing a plurality of input transfer request information (3) A plurality of transfers stored in a transfer request management table Of the request information, at least a portion of the transfer request information to be transferred, and the account specified by the withdrawal account information of the transfer request information is a group. Based on the account management table, a common group is configured, and for the transfer request information that shares the transfer destination account information of the transfer request information, the group configuration account information is used as information to specify the withdrawal account, and the group representative account information is transferred Generates information for the transfer process as information to specify the destination account, and transfers the transfer amount in the transfer request information, further adds up the transfer amount in the transfer request information to obtain the total transfer amount, The representative account information is used as the information for specifying the withdrawal account, the transfer destination account information in the transfer request information is used as the information for specifying the transfer destination account, and the information for the transfer process is generated with the calculated total transfer amount as the transfer amount. Transfer request aggregation process. 8. A transfer request management table for storing a plurality of transfer request information including transfer destination account information for specifying a transfer destination account, withdrawal account information for specifying a withdrawal account, and a transfer amount. A computer-readable recording medium storing a program for causing a computer serving as a transfer request totaling device to execute the following processing: (1) At least a part of a plurality of transfer request information For the transfer request information that is the same as the transfer destination account information and the withdrawal account information, the transfer amount of the transfer request information is added up to obtain the total transfer amount. A process for generating information for a transfer process including a transfer amount and a set of the transfer destination account information and the withdrawal account information. 9. A group account management table for associating a plurality of group constituent account information specifying a group constituent account constituting a group, a group representative account specifying a group representative account representative of the group, and specifying a transfer destination account A transfer request management table for storing a plurality of transfer request information including transfer destination account information to be transferred, withdrawal account information for specifying a withdrawal account, and a transfer amount, thereby providing a transfer request counting device for counting transfer requests. On the computer,
A computer-readable recording medium on which a program for executing the following processing is recorded. (1) Transfer request information to be transferred at least partially among a plurality of transfer request information stored in a transfer request management table. The account specified by the withdrawal account information in the transfer request information forms a common group based on the group account management table, and the transfer request information in which the transfer destination account information in the transfer request information is common is group-structured account information. Is the information for specifying the withdrawal account, the group representative account information is the information for specifying the transfer destination account, and the transfer amount of the transfer request information is the amount to be transferred, and the information for transfer processing is generated (2) ( For the transfer request information to be processed in 1), the total transfer amount is calculated by adding up the transfer amounts of the transfer request information, and the group representative account is calculated. Processing and information to identify the information the withdrawal account, and bank account information to identify the bank account information of the transfer request information, to generate information for the transfer process to the amount of money to transfer money the total transfer amount was determined. 10. A transfer request management table for storing a plurality of transfer request information including transfer destination account information for specifying a transfer destination account, withdrawal account information for specifying a withdrawal account, and a transfer amount is provided. A program for causing a computer serving as a transfer request totaling device to perform the following procedure: (1) Transfer request information to be transferred at least partially among a plurality of stored transfer request information, For the transfer request information in which the set of the destination account information and the withdrawal account information are common, the total amount of the transfer request information is summed up to obtain the total transfer amount. (2) The total transfer amount obtained and the transfer destination account information A procedure for generating information for a transfer process that includes a set of payment account information. 11. A group account management table for associating a plurality of group constituent account information specifying a group constituent account constituting a group, a group representative account specifying a group representative account representative of the group, and specifying a transfer destination account A transfer request management table for storing a plurality of transfer request information including transfer destination account information to be transferred, withdrawal account information for specifying a withdrawal account, and a transfer amount, thereby providing a transfer request counting device for counting transfer requests. A program for causing a computer to execute the following procedure. (1) Out of a plurality of transfer request information stored in the transfer request management table, at least a part of the transfer request information to be transferred, and output of the transfer request information The account specified by the money account information forms a common group based on the group account management table, and the transfer request information For transfer request information that shares the same transfer destination account information, the amount of the transfer of the transfer amount in the transfer request information, the group constituent account information as the information for specifying the withdrawal account, the group representative account information as the information for specifying the transfer destination account (2) For the transfer request information to be processed in (1), add up the transfer amounts in the transfer request information to obtain the total transfer amount, and obtain the group representative account. A procedure for generating information for a transfer process in which the information is information for specifying a withdrawal account, the transfer destination account information in the transfer request information is information for specifying a transfer destination account, and the obtained total transfer amount is a transfer amount.