JP2002352086A - Account transfer system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an account transfer system for relieving time and labor for remittance and reception while unnecessitating remittance charge. SOLUTION: Respective slave accounts are set in a master account 25, that is, money reception only slave accounts (1) 26, (2) 27 and (3) 28 for only receiving money and disbursement only slave accounts A31, B32 and C33 for only disbursing money. When money is received in the reception slave account (1) 26 from a payer (1), the money amount is transferred to the disbursement account A31, B32 and C33 so as to be the amount of disbursable money by prescribed rate. Then receivers A-C may instantaneously disburse the money amount which is received from the payer.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an account transfer system, and more particularly, to an account transfer system for depositing and withdrawing money using an account.

[0002]

2. Description of the Related Art FIG. 13 is a block diagram showing a schematic configuration of a conventional remittance system using an account.

Referring to FIG. 1, it is assumed that a payer remits a predetermined amount to payee A, payee B and payee C. In this case, when the payer uses the account to transfer money, his or her payer account is named Payee Account A as shown by the solid line, and Payee Account B is the name of Payee B. A predetermined amount is remitted to the recipient account C, which is in the name of B and the recipient C.

[0004] Similarly, when the payer remits money to payee A and payee C, the payer account is also changed to payee account A.
And remittance to each of the recipient accounts C as shown by the broken lines.

[0005]

In the above-described remittance system, when remitting a predetermined amount, all accounts are independent, so it is necessary to take a remittance procedure for each remittance destination. Therefore, if there are many remittance destinations, it takes time and further, a remittance fee is generated for each remittance. This means that even when a fixed amount is remitted to a fixed remittance destination every month, such as when paying a rent, the same labor and fees are required.

[0006] Also, the recipient side cannot be said to be an efficient system in the case where the amount remitted to one recipient is distributed to a plurality of recipients. For example, in FIG. 13, the payer and the payer are remitted to the payee C,
In some cases, the recipient C distributes the remittance amount to the recipient X, and further distributes another portion to the recipient Y. This occurs, for example, when a real estate management company is entrusted by a plurality of landlords and collects rent from each of a plurality of lessors collectively. In this case, it is necessary to distribute a predetermined amount to the landlord once the amount remitted by the lessor to the management company. In such a case, if the distribution is delayed, the recipient receiving the distribution cannot immediately use the distribution even if the remittance from the payer is completed. In addition, the payee C takes time and labor due to confirmation of remittance from the payer and distribution work to the payees X and Y, and in some cases, recovery from the payer or distribution to the payee may be delayed. There is.

SUMMARY OF THE INVENTION The present invention has been made to solve the above-described problems, and has as its object to provide an account transfer system that reduces the trouble of remittance and receipt while eliminating a remittance fee.

[0008]

In order to achieve the above object, the invention according to claim 1 includes a parent account, a child account dedicated to deposit included in the parent account and capable of depositing only, and a parent account included in the parent account. The withdrawal-only child account that can only withdraw money and the deposit amount deposited in the deposit-only child account are allocated as the possible withdrawal amount of the withdrawal-only child account based on predetermined conditions associated with the parent account. And control means for performing control to change.

[0009] With this configuration, in the parent account,
The deposit amount is transferred from the deposit-only child account to the withdrawal-only child account.

According to a second aspect of the present invention, in the configuration of the first aspect, there is further provided a deposit-only card prepared corresponding to the deposit-only child account, and the predetermined condition is stored in the deposit-only card. Transfer information.

[0011] With this configuration, the control means controls the transfer based on the transfer information stored in the deposit-only card.

According to a third aspect of the present invention, in the configuration of the first or second aspect of the present invention, a plurality of child accounts dedicated to payment and a plurality of child accounts dedicated to withdrawal are provided. Each of the deposit amounts, which is composed of the setting conditions set for each account and is deposited in each of the deposit-only child accounts, is transferred as the withdrawable amount of at least one of the withdrawal-only child accounts based on the set conditions. Things.

[0013] With this configuration, the transfer from the plurality of deposit-only child accounts to the plurality of withdrawal-only child accounts is automatically performed.

According to a fourth aspect of the present invention, in the configuration according to any one of the first to third aspects of the present invention, there is further provided a deposit-only passbook prepared corresponding to the deposit-only account. Is recorded with the deposit amount and the name of the withdrawal-only child account transferred as the withdrawable amount.

[0015] With this configuration, in the deposit-only child account, the deposit amount and the name of the withdrawal-only child account at the transfer destination are confirmed.

According to a fifth aspect of the present invention, in the configuration of the fourth aspect, there is further provided a withdrawal-only passbook prepared corresponding to the withdrawal-only child account, and the withdrawal-only passbook can withdraw money. The amount and the name of the child account dedicated to payment to which the amount of money transferred to the possible withdrawal amount has been paid are recorded.

[0017] With this configuration, the payable amount and the name of the payment-dedicated child account of the payment source are confirmed in the payment-dedicated child account.

According to a sixth aspect of the present invention, in the configuration according to any one of the first to fifth aspects, the control means sets the amount of money deposited in the parent account in accordance with a predetermined instruction as a payment-only amount. It is controlled so that it is transferred as the deposit amount of the child account.

With this configuration, it is possible to transfer from the parent account to a desired deposit-only child account.

[0020]

As described above, according to the first aspect of the present invention, since the deposit amount is transferred from the deposit-only child account to the withdrawal-only child account, the deposit can be made without performing a remittance procedure.
In addition, the withdrawal can be made immediately after the deposit, which is convenient.

According to a second aspect of the present invention, in addition to the effect of the first aspect, the control means controls the transfer based on the transfer information stored in the deposit-only card. Since the storage capacity relating to the conditions can be reduced, the load on the system is reduced.

According to the third aspect of the invention, in addition to the effects of the first or second aspect, the transfer from a plurality of input-only child accounts to a plurality of output-only child accounts is automatically performed. Thus, efficient and accurate transfer processing can be performed.

According to the invention described in claim 4, in addition to the effect of the invention described in any one of claims 1 to 3, the deposit amount and the name of the bank account dedicated to withdrawal are confirmed. The reliability of the deposit processing is improved.

According to the fifth aspect of the present invention, in addition to the effect of the fourth aspect of the present invention, since the withdrawable amount and the name of the deposit-only child account of the deposit source are confirmed, the reliability of the withdrawal process is improved. improves.

According to the invention described in claim 6, in addition to the effect of the invention described in any one of claims 1 to 5, the transfer from the parent account to the child account dedicated to depositing becomes possible, so that the usability is further improved. improves.

[0026]

FIG. 1 is a block diagram showing a schematic configuration of a financial institution system according to a first embodiment of the present invention.

Referring to the figure, a financial institution system 15 in a financial institution such as a bank is provided with a computer center 17.
It is composed mainly of. Computer center 17
Is a host computer 18 functioning as control means for controlling various transfer operations, and the host computer 1
8 and various databases 19 for storing various data tables and the like related to a transfer operation to be described later.

On the other hand, terminal devices 21a to 21c such as ATM operated by a payer or a payee are provided.
These are electrically connected to a host computer 18 of a computer center 17 via a communication circuit 23.

To use the account transfer system of the present invention, for example, the payer operates the terminal device 21a to deposit a predetermined amount, while the payee operates the terminal device 21c to deposit the terminal device 21a. It is possible to receive the amount paid from. As described for the terminal device 21b, the payer and the payee may operate the same terminal device 21b to deposit and withdraw money using the same terminal device 21b.

FIG. 2 is a diagram conceptually illustrating an account in the fund transfer system according to the first embodiment of the present invention.

Referring to the drawings, in this embodiment, an example is shown in which the amount paid from three payers is paid out by three payees A to C.
More specifically, the parent account 25 is provided with a payment-only child account 26 that can only receive payment in the name of the payer. Similarly, a pay-only child account 27 is provided to the payer, and a pay-only child account 28 is provided to the payer.
5.

On the other hand, a withdrawal-only child account A31 capable of withdrawing only in the name of the recipient A is provided in the parent account 25. Similarly, a withdrawal-only child account B32 in the name of the recipient B
However, a withdrawal-only child account C33 in the name of the recipient C is similarly provided in the parent account 25.

In this example, the amount paid by the payer to the deposit-only child account 26 is distributed at a predetermined ratio in the parent account 25, and the distributed amount is the withdrawal-only child account A31, the withdrawal-only child account. Account B32 and child account C3 for withdrawal only
3 will be transferred as a withdrawable amount.
Similarly, the amount paid by the payer to the deposit-only child account 27 is transferred to the withdrawal-only child account A31 and the withdrawal-only child account C33 as a withdrawable amount. Further, the amount paid by the payer to the deposit-only child account 28 is transferred to each of the withdrawal-only child account A31, the withdrawal-only child account B32, and the withdrawal-only child account C33 as a withdrawable amount at a predetermined distribution ratio. Can be

FIG. 3 is a block diagram showing a flow of opening an account of the account transfer system according to the first embodiment of the present invention.

Referring to the figure, for example, when the management company 36 tries to introduce the account transfer system of the present invention, first, the relationship between the payer and the payee is organized, and the deposit amount,
Adjust the payment timing, payee details, etc. specifically. When the adjustment is completed, the management company 36 requests the financial institution 35 such as a bank to open an account of the present system.
The financial institution 35 receiving the request first sets the parent account to the management company 3
6 and issue a card and passbook corresponding to the parent account.

Next, the financial institution 35 notifies the payer of the deposit-only child account and issues a deposit-only card and a deposit-only passbook for the account. Similarly, it notifies the payer and the payer of the account name and issues a card and a passbook.

Further, the financial institution 35 notifies the payee A of the withdrawal-only child account A and issues a withdrawal-only card and a withdrawal-dedicated passbook corresponding thereto. Similarly, the receiver B and the receiver C are notified of the account name and issue a card and a passbook.

FIG. 4 is a diagram showing the specific contents of the account table in the account transfer system according to the first embodiment of the present invention.

When the account opening process shown in FIG. 3 is completed, the financial institution 35 stores the account table shown in FIG. Specifically, the account number and the holder of the parent account are written in the account table.
The account number and the holder are written for the deposit-only child account, and the expected deposit amount is further written. In this example, the payment schedule of 50,000 yen for the payee A, 20,000 yen for the payee B, and 30,000 yen for the payee C is written. That is, the set amount deposited from the deposit-only child account is written in the account table as 100,000 yen.

Similarly, the account number, the holder, the set amount, and the set payment amount scheduled for the payee are written from the dedicated deposit child account to the dedicated deposit child account. In this example, the payer pays the payee A and payee C but does not pay the payee B.

On the other hand, the account number and the holder are written in the withdrawal-only child account A, and furthermore, the amount paid by each of the payers is written from the payer. In this example, since the total amount of money paid by the payers from each of the payers is 180,000 yen, this is written as the withdrawable limit of the child account A dedicated to withdrawal.

Similarly, the same information is written in the withdrawal-only child account B and the withdrawal-only child account C.

FIG. 5 is a flow chart showing the contents of the transfer control in the case of using the deposit-only child account in the account transfer system according to the first embodiment of the present invention.

Referring to the figure, it is assumed that a terminal device such as an ATM is operated by using a deposit-only card to make a deposit. In this case, in step S61, it is determined whether or not the card corresponds to a deposit-only account. If it is not for the deposit-only account, another process is performed in step S63, and the control ends.

On the other hand, if the card corresponds to a deposit-only account, the account number is read from the card, and the corresponding account table is read from the various databases 19 based on the account number (S62).

Next, payment processing is performed from the terminal device (S64). It is determined whether or not the paid amount matches the set amount corresponding to each of the dedicated child accounts written in the account table (S65). If the deposited amount is smaller than the set amount, the shortage of the deposited amount is notified in step S66, and the payment is prompted again.

On the other hand, when the deposit amount matches the set amount, the deposit date and the deposit amount for each payee are written in the deposit table corresponding to each payer. FIG. 6 is a diagram showing the specific contents of the deposit table.

Referring to the figure, for example, in the payer's payment table, the payment date is April 20, and 50,000 yen for recipient A and 50,000 yen for recipient B. 20,000 yen,
30,000 yen is written for the recipient C. With respect to the deposit amount for each of the payees, the deposit amount for each of the payees previously allocated in the account table shown in FIG. 4 is read out and written in the deposit table.

Similarly, in the payer's deposit table, the deposit date and the deposit amount for payee A and payee C are written, and in the payer's deposit table, the deposit date and payee A, receive The deposit amount for each of the person B and the payee C is written. The payment table written in this way is stored in various databases 19 under the control of the host computer 18 each time.

Returning to FIG. 5, when the writing to the deposit table in step S67 is completed and the deposit dedicated passbook is set in the terminal device, the receipt details as shown in FIG. 7 are recorded (S68). Specifically, the contents of the deposit table shown in FIG. 6 are printed as they are on the deposit bankbook. As a result, for example, on the payer, only the deposit of 100,000 yen, which is the set amount, is received on April 2, and the contents of the payment for the payees A, B, and C of the payee can be confirmed by the passbook. Become.

When the entry of the payment details is completed, the contents of the payment are written into a payment table prepared for each recipient as shown in FIG. 8 (S69). In this example, the payer, the payer, and the date of payment and the amount of money paid for each of the payers are written in the payout table of the payee A. In other words, 5
10,000 yen was paid, 60,000 yen was received from the payer on April 25, and 70,000 yen was received from the payer on May 1.

In the right column of the payout table, the total of these deposits is calculated and written. In this example, the total is 180,000 yen as of May 1. In the margin of the payment table, the amount paid by the receiver A is written together with the date. This example shows that 100,000 yen was paid out on May 5th.

Similarly, in each of the payout tables of the payees B and C, the information of the payer and the information of the total and the payout amount are written.

When the writing in the payout table is completed in this way, the processing relating to the deposit-only account is completed.

FIG. 9 is a flow chart showing the contents of control using a withdrawal-only account in the account transfer system according to the first embodiment of the present invention.

Referring to the figure, when the receiver operates the terminal device using the withdrawal-only card, it is determined in step S71 whether or not the card is related to a withdrawal-only account. If it is not related to the withdrawal-only account, another process is performed in step S72, and the control ends.

On the other hand, if the card is related to a withdrawal-only account, the recipient is specified from the card, and the withdrawal table of the recipient is stored in various databases 19.
Is read from. Then, the withdrawal amount is subtracted from the total amount written in the table (S74), and the subtraction result is presented as a payable amount (S75). The receiver checks the presented payable amount and makes a payment within the range (S76). Then, the payout amount is written and stored in the payout table of the payee as shown in FIG. 8 (S77).

Next, the receiver sets the withdrawal-only passbook in the terminal device, and records the withdrawal details as shown in FIG. 10 (S78). FIG. 10 shows the payment details of the payee A as an example. Specifically, 50,000 yen was paid from the payer on April 20, 60,000 yen was received from the payer on April 25, and 70,000 yen was received from the payer on May 1. , And the right column shows the total amount. Then, it is described that 100,000 yen has been withdrawn by Payee A on May 5, and as a result, it is shown that the total amount in the right column, that is, the payable amount is 80,000 yen at that time. ing.

As a result, it is possible for the payee to clearly understand what and when the amount has been paid from which payer, and also to clearly know the payable amount.

When the dispensing details are recorded in the dispensing-dedicated passbook in this way, the processing relating to the dispensing-dedicated account ends.

FIG. 11 is a diagram showing the specific contents of the deposit / withdrawal table of the management company in the account transfer system according to the first embodiment of the present invention.

Referring to the figure, in this table,
The payment status of each payer is written based on the payer's payment table. Then, by using a card and a passbook corresponding to the parent account held by the management company, the contents of the deposit / withdrawal table can be recorded in the passbook at any time. As a result, the management company can accurately grasp the status of the payer from the payer.

FIG. 12 is a diagram showing the specific contents of the account table of the account transfer system according to the second embodiment of the present invention.

Referring to the figure, in this embodiment, unlike the previous embodiment, a fixed amount is not written to payee C in the deposit-only account, and variables X and Y are used instead. And Z are written. On the other hand, the set amount is a fixed amount as in the previous embodiment. That is, in this embodiment, the amount of money to be deposited from the dedicated child account is not assumed only to match the set amount, and it is configured to be able to process even if there is a larger amount of money. ing.

This is based on the assumption that, for example, the payment to the payee C is like an electricity bill and does not become a fixed amount every month. Correspondingly, the limit in the withdrawal-only child account C of the receiver C is not a fixed amount but "X +
Y + Z ". X is written as the payer's payment amount, Y is written as the payer's payment amount, and the payer's payment amount Z is written.
When the withdrawal statement is recorded in the withdrawal passbook, these X,
The amounts corresponding to Y and Z are printed.

In each of the above embodiments, the set amount and the information of the payee are written in the account table.
The information is stored in a card dedicated to payment, and the information is read from the terminal device and written into a payment table of the payer, a payment table of the payee, and a payment table of the management company, and the payment is performed. If it is configured to control the transfer to the dedicated child account, the load on the system is reduced. For certain payers, the transfer information is written in the account table, and for other payers, the transfer information is stored in the payment-only card. May be configured to control the transfer.

Further, in each of the above embodiments, the transfer from the dedicated child account for payment is premised on the transfer to the dedicated child account for withdrawal. If the system is controlled so as to transfer to an account and the subsequent transfer process to a withdrawal-only child account is performed, usability is further improved.

Further, in each of the above-described embodiments, both the deposit-only child account and the withdrawal-only child account are described as being included in the parent account. However, these child accounts are associated with the parent account. If it is set, a similar effect is achieved. That is, in the present invention, the concept of being included in the parent account includes a child account associated with the parent account.

Furthermore, in each of the above-described embodiments, the account transfer system is accessed from a terminal device such as an ATM using a card or a passbook. Instead, the account transfer system is accessed using a portable terminal or the like. Needless to say, it may be configured to be accessible.

Further, in each of the above-described embodiments, a case where a plurality of payers make deposits and withdrawals to a plurality of payees is taken as an example. However, a single payer can send a single payer to a single payee. The present invention can be similarly applied to a case where payment and withdrawal are made to a plurality of payees from, or from a plurality of payers to a single payee.

Further, in each of the above-described embodiments, the transfer information is fixedly stored in advance in the account table or the dedicated payment card. However, if the transfer information can be changed at any time, the usability is further improved.

[Brief description of the drawings]

FIG. 1 is a schematic block diagram of a financial institution system which is a premise of an account transfer system according to a first embodiment of the present invention.

FIG. 2 is a diagram showing a conceptual configuration of a parent account and a child account of the fund transfer system according to the first embodiment of the present invention.

FIG. 3 is a block diagram showing processing contents when opening the account shown in FIG. 2;

FIG. 4 is a diagram showing specific contents of an account table in the account transfer system according to the first embodiment of the present invention.

FIG. 5 is a flow chart showing control contents relating to a deposit-only course in the fund transfer system according to the first embodiment of the present invention.

FIG. 6 is a diagram showing specific contents of a payer's payment table described in FIG. 5;

FIG. 7 is a diagram showing the specific contents of the payment details of the payer described in FIG. 5;

8 is a diagram showing specific contents of a payee withdrawal table described in FIG. 5;

FIG. 9 is a flowchart showing the control contents relating to a withdrawal-only account in the fund transfer system according to the first embodiment of the present invention.

FIG. 10 is a diagram showing specific contents of a payee's withdrawal statement described in FIG. 9;

FIG. 11 is a diagram showing specific contents of a deposit / withdrawal table of a management company in the fund transfer system according to the first embodiment of the present invention.

FIG. 12 is a diagram showing specific contents of an account table of an account transfer system according to a second embodiment of the present invention.

FIG. 13 is a block diagram schematically showing a conventional remittance system using an account.

[Explanation of symbols]

 18 Host Computer 19 Various Databases 25 Parent Account 26 Deposit Only Child Account 27 Deposit Only Child Account 28 ... Deposit Only Child Account 31 ... Deposit Only Child Account A 32 ... Deposit Only Child Account B 33 ... Deposit Dedicated child account C Note that the same reference numerals in each figure indicate the same or corresponding parts.

Claims (6)

[Claims] 1. A parent account, a child account dedicated to payment included in the parent account and capable of only receiving money, a child account dedicated to payment included in the parent account and capable of only withdrawing, and a child account dedicated to payment And a control means for controlling the transfer of the deposit amount to the withdrawal-only child account based on predetermined conditions associated with the parent account. . 2. The account transfer according to claim 1, further comprising a deposit-only card prepared for the deposit-only child account, wherein the predetermined condition includes transfer information stored in the deposit-only card. system. 3. The deposit-only child account and the withdrawal-only child account are each provided in a plurality, and the predetermined condition is a set condition set for each of the deposit-only child account. 3. The account transfer system according to claim 1, wherein each of the deposited amounts is transferred as a withdrawable amount of at least one of the withdrawal-dedicated child accounts based on the set conditions. 4. . 4. A deposit-only passbook prepared corresponding to the deposit-only child account, wherein the deposit-only passbook includes a deposit amount and a withdrawal-only child account name transferred as a withdrawable amount. The fund transfer system according to any one of claims 1 to 3, which is recorded. 5. A withdrawal-dedicated passbook prepared for the withdrawal-dedicated child account, wherein the withdrawal-dedicated passbook includes a withdrawable amount and a deposit amount transferred to the withdrawable amount. The account transfer system according to claim 4, wherein the name of the deposit-only sub-account that has been paid is recorded. 6. The control means according to a predetermined instruction,
The account transfer system according to any one of claims 1 to 5, wherein control is performed such that an amount of money deposited in the parent account is transferred to a deposited amount of the child account dedicated to payment.