JP2003050909A - System and method for account management, and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To simplify account transfer processing and to shorten the processing time. SOLUTION: When an account is opened, an account opening function 11 obtain an internal account number (common to respective branches) and an external account number (unique to a branch) from internal account numbering information F102 and external account numbering information F103, generates account index information F104 according to the internal account number and external account number, and generates account information F101 for management by the internal account number which is not influenced when the account is transferred. When the account is transferred, an account transfer function 12 obtains an external account number of a transfer-destination branch from the external account numbering information F103, generates account index information F104 on the external account number of the transfer-destination branch, and adds the account index information F104 of the external account number of the transfer-destination branch to the account index information 104 of the transfer-source branch to update the information.

Description

Detailed Description of the Invention

[0001]

TECHNICAL FIELD The present invention relates to an account management system for managing an account of a financial institution such as a bank having a plurality of stores,
The present invention relates to an account management method and program.

[0002]

2. Description of the Related Art Conventionally, in an account management system for managing an account of an institution having a plurality of stores, account information is managed by an account number (external account number) assigned to each store.

[0003]

However, in the above-mentioned prior art, since the account information is managed by the external account number, there are problems as described below.

The first problem is that every time an account transfer occurs, an external account number is assigned at the transfer destination store, and the account information of the transfer destination store is copied from the transfer source store to the transfer destination store and the transfer source is transferred. At the same time as adding the account information of the store, it is necessary to add the account information of the transfer destination store to the account information of the transfer source store, etc.
This means that the account transfer process becomes complicated and it takes a lot of time.

The second problem is that since various account related information holds account number information (external account number information), every time account transfer occurs, all of the account related information is held. It is necessary to change the external account number information of (1) in synchronization with each other, which further complicates the account transfer process.

An object of the present invention is to provide an account management system capable of simplifying the account transfer processing and shortening the processing time.
To provide an account management method and program.

Another object of the present invention is to provide an account management system, an account management method and a program that eliminate the need to change the account number information even if an account transfer occurs.

[0008]

In order to achieve the above object, the present invention is an account management system for managing an account of an institution having a plurality of stores, wherein the plurality of stores are uniquely numbered. The account information of the account is managed by the internal account number.

Further, an internal account number numbering function for numbering the internal account number, an external account number numbering function for numbering an external account number assigned for each of the plurality of stores, and the internal account number And an account index information creation function of creating account index information of the external account number, an account information creation function of creating account information managed by the internal account number, and the internal account number collection function when opening an account in the store. Number function and the external account number numbering function to activate the internal account number and the external account number and activate the account index information creating function to activate the internal account number numbering function and the external account number numbering function. The account index information of the internal account number and external account number assigned by the numbering function is created, and the account information creation function is activated to enable the internal account numbering function. Characterized by comprising a account opening function of creating an account information managed by the numbered internalization account number.

Further, an account index information updating function for updating the account index information, and at the time of transferring the accounts in the plurality of stores, the external account number numbering function is activated to acquire the external account number at the transfer destination store. The account index information creation function is activated, the account index information of the external account number of the destination store is created, the account index information update function is activated, and the account index of the external account number of the transfer source store is activated. An account transfer function of updating the information by adding the account index information of the external account number of the destination store to the information.

Further, a management customer changeability check function for checking whether or not a customer of the transfer source store can be changed to another customer of the transfer destination store, and a customer of the transfer source store can be changed to another customer of the transfer destination store. A management customer change function for executing a changing process, wherein the account transfer function activates the management customer changeability check function at the time of account transfer in the plurality of stores to transfer the customer of the transfer source store to the transfer destination. It is checked whether it can be changed to another customer of the store, and if it is judged that it can be changed, the external account number numbering function, the account index information creation function and the account index information update function are sequentially The management customer change function is started after starting up and adding the account index information of the external account number of the transfer destination store to the account index information of the external account number of the transfer source store Start-up to, and changing customer transfer the original store to another customer of the transfer destination store.

[0012] Further, it is characterized in that it has an account index information search function which is activated by the account opening function and the account transfer function and searches the account index information.

In addition, when transferring a plurality of accounts of the customer of the transfer source store to the transfer destination store, the customer information related transfer processing is executed, and the account transfer function is repeatedly activated to execute the transfer processing related to the account information. It is characterized by having a function to transfer customers.

Further, when transferring a plurality of accounts of the transfer source store to the transfer destination store, a store information-related transfer process is executed, and the customer transfer function is repeatedly activated to transfer the customer information-related and account information-related transfer. It is characterized by having a store transfer function for executing processing.

Further, it is an account management method for managing an account of an institution having a plurality of stores, wherein the account information of the account is managed by an internal account number which is uniquely numbered commonly to the plurality of stores. It is characterized by

[0016] Further, at the time of opening an account at the store, a process of assigning the internal account number and assigning an external account number assigned to each of the plurality of stores, the internal account number and the external account It is characterized by executing a process of creating account index information of a number and a process of creating account information managed by the internal account number.

Further, when transferring accounts in the plurality of stores, a process of assigning an external account number in the transfer destination store,
The process of creating the account index information of the external account number of the transfer destination store, and the process of adding the account index information of the external account number of the transfer destination store to the account index information of the external account number of the transfer source store. It is characterized by executing.

Further, at the time of transferring accounts in the plurality of stores, it is checked whether the customer of the transfer source store can be changed to another customer of the transfer destination store, and the customer of the transfer source store is transferred to the transfer destination store. If it is possible to change to another customer of the store, after updating by adding the account index information of the external account number of the transfer destination store to the account index information of the external account number of the transfer source store, And a process of changing a customer to another customer at the transfer destination store.

A program for causing a computer to execute a process of managing an account of an institution having a plurality of stores, wherein the account is defined by an internal account number uniquely assigned to the plurality of stores. Characterized in that the computer is caused to execute a process of managing the account information.

Further, when opening an account in the store, a process of assigning the internal account number and assigning an external account number assigned to each of the plurality of stores, and the internal account number and the external account The computer is made to execute a process of creating account index information of a number and a process of creating account information managed by the internal account number.

Further, when transferring accounts in the plurality of stores, a process of assigning an external account number in the transfer destination store,
The process of creating the account index information of the external account number of the transfer destination store, and the process of adding the account index information of the external account number of the transfer destination store to the account index information of the external account number of the transfer source store. It is characterized in that it is executed by the computer.

Further, at the time of transferring accounts in the plurality of stores, it is checked whether the customer of the transfer source store can be changed to another customer of the transfer destination store, and the customer of the transfer source store is transferred to the transfer destination store. If it is possible to change to another customer of the store, after updating by adding the account index information of the external account number of the transfer destination store to the account index information of the external account number of the transfer source store, A process of changing a customer to another customer of a transfer destination store is executed by the computer.

(Operation) In the present invention configured as described above, when the account is opened, the internal account number (common to each store)
And, an external account number (store unit) is numbered, account index information is created based on the internal account number and the external account number, and account information that is managed by the internal account number that is not affected when the account is transferred is created.

At the time of transferring the account, the external account number at the transfer destination store is numbered, and the account index information of the external account number of the transfer destination store is created, as well as the account index information of the external account number of the transfer source store. Update by adding the account index information of the external account number of the transfer destination store.

As described above, according to the present invention, since the account information is managed by the internal account number, the account transfer process is simplified to the above process and the processing time can be shortened.

[0026]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described below with reference to the drawings.

(First Embodiment) FIG. 1 is a block diagram showing a first embodiment of the account management system of the present invention.

As shown in FIG. 1, in this embodiment, a host computer 1 which operates under program control, and an input / output for inputting various information to the host computer 1 and outputting various information from the host computer 1. And device 2.

The host computer 1 has an account opening function 1
1, an account transfer function 12, an account information creation function 13,
Internal account number numbering function 14 and external account number numbering function 1
5, an account index information search function 16, an account index information update function 17, an account index information creation function 18, a management customer changeability check function 19,
The management customer change function 20 is provided and the account information F
101, internal account number numbering information F102, external account number numbering information F103, and account index information F10
4 and 4 are stored in the database.

The external account number is an account number assigned to each store, and the internal account number is an account number assigned uniquely to each store.

Each of the above-mentioned functions operates roughly as follows.

When opening an account, the account opening function 11 first activates the internal account number numbering function 14 to number the internal account number, and then activates the external account number numbering function 15 to activate the external account number. The number is assigned, and the account index information creation function 18 is activated to create the account index information of the external account number and the internal account number assigned above, and finally the account information creation function 13 is activated. Then, the account information managed by the internal account number assigned above is created.

When transferring an account, the account transfer function 12 first activates the management customer changeability check function 19 to check whether or not the management customer can be changed. The external account number numbering function 15 is activated to number the external account number at the transfer destination store, and the account index information creation function 18 is activated to confirm the external account number of the transfer destination store assigned above. Create the account index information (the account index information of the internal account number is the same as the transfer source store), and activate the account index information update function 17 to transfer the account index information of the transfer source store to the external account number to the transfer destination store. It is updated by adding the account index information of the external account number, and finally, the management customer changing function 20 is activated to perform the management customer changing process.

The account information creation function 13 is the account opening function 1
1, the account information F101 is created based on the instruction from the account opening function 11 and stored in the database.

The internal account number numbering function 14 is activated by the account opening function 11 to number the internal account number from the internal account number numbering information F102 and return it to the account opening function 11.

The external account number numbering function 15 is activated by the account opening function 11 and the account transfer function 12, and sets the external account number of the designated store to the external account number numbering information F103.
The number is assigned from and returned to the account opening function 11 and the account transfer function 12.

The account index information creation function 18 is activated by the account opening function 11 and the account transfer function 12,
Based on the instructions from the account opening function 11 and the account transfer function 12, the account index information F104 is created and stored in the database.

The account index information search function 16 is activated by the account opening function 11 and the account transfer function 12,
Based on the instructions from the account opening function 11 and the account transfer function 12, the store index of the corresponding store and the account index information of the external account number are searched from the account index information F104, and the account index of the corresponding internal account number. Search for information.

The account index information update function 17 is activated by the account transfer function 12 and updates the contents of the account index information F104 based on an instruction from the account transfer function 12.

The managed customer changeability check function 19 is activated by the account transfer function 12, and checks whether or not the customer of the corresponding account can be changed to another customer of the designated transfer destination store.

The management customer change function 20 is the account transfer function 1
2 is executed, and the process of changing the customer of the corresponding account to another customer of the designated transfer destination store is executed.

The operation of the account management system configured as above will be described below.

First, the operation at the time of opening an account will be described with reference to the flowchart of FIG.

FIG. 2 is a flow chart for explaining the operation at the time of opening an account in the account management system shown in FIG.

At the time of opening an account, input information including the store number of the store where the account is opened is input to the input / output device 2. Then, the account opening function 11 is activated by the input information.

The account opening function 11 includes the input / output device 2 first.
It is determined whether or not the necessary input information has been input to, and if the necessary input information has been input, the internal account number numbering function 14 is activated and the internal account number numbering information F102 is stored. Internal account number counter 31 of existing database
The internal account number is assigned from A (see FIG. 3) (step 201).

Next, the account opening function 11 activates the external account number numbering function 15 to make the external account number numbering information F10.
The corresponding external account number is numbered from the external account number counter 41B (see FIG. 4) of the database storing 3 (step 202).

Next, the account opening function 11 executes step 20.
The account index creation function 18 is activated based on the internal account number and external account number assigned in 1,202 to create account index information F104 as shown in FIG. 5 (step 203).

Specifically, the account opening function 11 sets the store number of the input information in the store number 51A, and the external account number 5
1B is set to the external account number assigned in step 202, internal account number 51C is set to the internal account number assigned in step 201, and transfer display 51D is set to "0" (valid information). , Transfer destination store number 51E, transfer destination external account number 51F, transfer destination internal account number 51G, and transfer date 51H are set to initial values.

Next, the account opening function 11 executes step 20.
The account information creation function 13 is activated based on the internal account number assigned in 1 and the input information and other acquired information to create account information F101 as shown in FIG. 6 (step 204).

Specifically, the account opening function 11 sets the internal account number 61A to the internal account number assigned in step 201, and the account status 61B and other information 61D include input information and other acquired information. Set balance information 6
The amount of input information is set in 1.

Finally, the account opening function 11 receives the return result from each function, outputs the account opening information to the input / output device 2, and the processing ends.

Next, the operation when transferring an account will be described with reference to the flowchart of FIG.

FIG. 7 is a flow chart for explaining the operation at the time of transferring an account in the account management system shown in FIG.

At the time of transferring the account, the input including the transfer source store information (transfer source store number + transfer source external account number + transfer source customer number) and transfer destination store information (transfer destination store number + transfer destination customer number), etc. Information is input to the input / output device 2. Then, the account transfer function 12 is activated by the input information.

The account transfer function 12 includes the input / output device 2 first.
It is determined whether or not the necessary input information has been input to, and if the necessary input information has been input, the management customer changeability check function 19 is activated, and the corresponding customer is transferred to another customer at the transfer destination store. A check is made to see if it can be changed (step 701).

When the account transfer function 12 determines in step 701 that the customer can be changed, it activates the account index search function 16 and the internal account number numbering information F102.
The internal account number corresponding to the transfer source store number and the transfer source external account number of the input information is acquired from the internal account number counter 31A (see FIG. 3) of the database storing (step 702).

Next, the account transfer function 12 activates the external account number numbering function 15 to make the external account number numbering information F10.
The external account number counter 41B (see FIG. 4) of the database storing 3 stores the external account number of the transfer destination store (step 703).

Next, the account transfer function 12 executes step 70.
The account index information creation function 18 is activated based on the internal account number acquired in 2 and the external account number assigned in step 703 to create the account index information F104 of the external account number of the transfer destination store (step). 70
4).

Specifically, the account transfer function 12 sets the store number 51A to the store number of the transfer destination store of the input information, and sets the external account number 51B to the external account number assigned in step 703. Step 702 for internal account number 51C
Set the internal account number acquired in step 1, set “0” (valid information) in the transfer display 51D, transfer destination store number 51E, transfer destination external account number 51F, transfer destination internal account number 51G, and transfer date An initial value is set to 51H.

Further, the account transfer function 12 activates the account index information update function 17, and in the account index information F104 of the external account number of the transfer source store, the transfer destination store number 51E and the transfer destination shown in FIG. External account number 51
F, the contents of the transfer destination internal account number 51G and the transfer date 51H are updated (step 705).

Specifically, the account transfer function 12 sets "1" (transferred) in the transfer display 51D, sets the transfer destination store number of the input information in the transfer destination store number 51E, The external account number assigned in step 703 is set in the transfer destination external account number 51F, and the transfer destination internal account number 51 is set.
The internal account number acquired in step 702 is set in G, and the account transfer processing date is set in the transfer date 51H.

Next, the account transfer function 12 activates the customer management change function 20 to execute the process of changing the customer of the corresponding account to another customer of the transfer destination store (step 70).
6).

Finally, the account transfer function 12 receives the return result from each function, outputs the account transfer information to the input / output device 2, and the process is completed.

(Second Embodiment) FIG. 8 is a block diagram showing a second embodiment of the account management system of the present invention.

As shown in FIG. 8, in this embodiment, the host computer 3 which operates under program control, and the input / output for inputting various information to the host computer 3 and outputting various information from the host computer 1. And device 2.

The host computer 3 is different from the host computer 1 shown in FIG. 1 in that a store transfer function 21 and a customer transfer function 22 are added. In FIG. 8, the account information creation function 13 and the internal account number numbering function 1 under the account opening function 11 and the account transfer function 12 are included.
4, the external account number numbering function 15, the account index information search function 16, the account index information update function 17, the account index information creation function 18, the management customer changeability check function 19, and the management customer change function 20 are omitted. Also, the account information F101 and the internal account number numbering information F
The database storing 102, external account number numbering information F103, and account index information F104 is also omitted.

The above-mentioned functions operate as follows.

The store transfer function 21 is a function for transferring a plurality of accounts of abolished stores that have been abolished due to consolidation or the like to a new store or another existing store, and stores store-related information, customer-related information, and account-related information. Transfer to another store.

The customer transfer function 22 is a function for transferring a plurality of accounts of a corresponding customer to a new store or another existing store, and transfers customer related information and account related information to another store.

The operation of the account management system configured as described above will be described below.

First, the operation when the customer is transferred will be described.

At the time of customer transfer, input information such as corresponding customer information and transfer destination store information is input to the input / output device 2. Then, the customer transfer function 22 is activated by the input information.

The customer transfer function 22 first executes the transfer processing related to the customer information, and thereafter executes the transfer processing related to the corresponding account information. Regarding the transfer processing relating to the account information, the account transfer function 12 is sequentially and repeatedly activated to execute the processing described in the first embodiment.

Finally, the customer transfer function 22 receives the return results from each function and outputs the customer transfer information and the account transfer information under it to the input / output device 2.

Next, the operation when the store is transferred will be described.

When the store is transferred, the input information such as the transfer source store information and the transfer destination store information are input to the input / output device 2. Then, according to the input information, the store transfer function 21
Is started.

The store transfer function 21 first executes the transfer process related to the store information, and thereafter executes the transfer process related to the customer information and the account information. Regarding the customer information-related transfer processing, the customer transfer function 22 is sequentially and repeatedly executed to execute the above-mentioned processing, and regarding the account information-related transfer processing, the customer transfer function 22 is transferred to the account transfer function 1.
2 is sequentially and repeatedly activated to execute the processing described in the first embodiment.

Finally, the store transfer function 21 receives the return result from each function and outputs the store transfer information, the customer transfer information under it, and the account transfer information to the input / output device 2.

[0080]

As described above, in the present invention,
Since the management of the account information is changed from the management by the external account number (store unit) to the management by the internal account number (common to the stores), it is not affected by the change of the account number.

Therefore, as a first effect, the account transfer process is a simple process such as an account index information update process and an account index information creation process, so that the account transfer process is simplified and the processing time is shortened. The effect that it becomes possible is obtained.

As a second effect, by changing the account number information held in various account related information from the external account number information to the internal account number information, the account related information is changed every time the account transfer occurs. The effect that it is not necessary to synchronize and change all the account number information held in the information is obtained.

[Brief description of drawings]

FIG. 1 is a block diagram showing a first embodiment of an account management system of the present invention.

FIG. 2 is a flow chart for explaining an operation at the time of opening an account in the account management system shown in FIG.

FIG. 3 is a diagram for explaining items of internal account number numbering information.

FIG. 4 is a diagram for explaining items of external account number numbering information.

FIG. 5 is a diagram for explaining items of account index information.

FIG. 6 is a diagram for explaining items of account information.

FIG. 7 is a flowchart for explaining an operation at the time of transferring an account in the account management system shown in FIG.

FIG. 8 is a block diagram showing a second embodiment of the account management system of the present invention.

[Explanation of symbols]

1,3 Host and computer 2 I / O device 11 Account opening function 12 Account transfer function 13 Account information creation function 14 Internal account number numbering function 15 External account number numbering function 16 Account Index Search Function 17 Account Index Update Function 18 Account Index Creation Function 19 Management customer change availability check function 20 Management customer change function F101 account information F102 Internal account number numbering information F103 External account number numbering information F104 Account index information 21 Store transfer function 22 Customer transfer function

Claims (15)

[Claims] 1. An account management method for managing an account of an institution having a plurality of stores, wherein the account information of the account is managed by an internal account number uniquely numbered commonly to the plurality of stores. A unique account management method. 2. An internal account number numbering function for numbering the internal account number, an external account number numbering function for numbering an external account number assigned for each of the plurality of stores, and the internal account number. And an account index information creation function of creating account index information of the external account number, an account information creation function of creating account information managed by the internal account number, and the internal account number collection function when opening an account in the store. Number function and the external account number numbering function to activate the internal account number and the external account number and activate the account index information creating function to activate the internal account number numbering function and the external account number numbering function. Create the account index information of the internal account number and external account number assigned by the number function,
2. An account opening function for activating the account information creating function to create account information managed by the internal account number assigned by the internal account number assigning function. Account management method described in. 3. An account index information updating function for updating the account index information, and at the time of transferring the accounts in the plurality of stores, the external account number numbering function is activated to acquire the external account number at the transfer destination store. The account index information creation function is activated, the account index information of the external account number of the destination store is created, the account index information update function is activated, and the account index of the external account number of the transfer source store is activated. The account management system according to claim 2, further comprising an account transfer function for adding and updating the account index information of the external account number of the destination store to the information. 4. A management customer change availability check function for checking whether or not a customer of the transfer source store can be changed to another customer of the transfer destination store, and a customer of the transfer source store to another customer of the transfer destination store. And a management customer change function for executing a changing process, wherein the account transfer function activates the management customer changeability check function at the time of account transfer in the plurality of stores to transfer the customer of the transfer source store to the transfer destination. It is checked whether it can be changed to another customer of the store, and if it is judged that it can be changed, the external account number numbering function, the account index information creating function, and the account index information updating function are sequentially performed. After starting and updating by adding the account index information of the external account number of the transfer destination store to the account index information of the external account number of the transfer source store, the management customer change function is activated. To, account management system according to claim 3, characterized in that to change the customer's transfer source store to another customer transferee store. 5. The account management system according to claim 4, further comprising an account index information search function which is activated by the account opening function and the account transfer function and searches the account index information. 6. A transfer process related to customer information is executed when transferring a plurality of accounts of a transfer source store customer to a transfer destination store, and the transfer process related to account information is executed by repeatedly activating the account transfer function. The account management system according to claim 5, further comprising a customer transfer function to be executed. 7. Transfer of a plurality of accounts of a transfer source store to a transfer destination store, at the time of store transfer, a store information-related transfer process is executed, and the customer transfer function is repeatedly activated to transfer a customer information-related and account information-related transfer. The account management system according to claim 6, further comprising a store transfer function for executing processing. 8. An account management method for managing an account of an institution having a plurality of stores, wherein the account information of the account is managed by an internal account number uniquely numbered commonly to the plurality of stores. An account management method characterized by the above. 9. A process of numbering the internal account number when opening an account in the store and assigning an external account number assigned to each of the plurality of stores, the internal account number and the external account 9. The account management method according to claim 8, wherein a process of creating account index information of a number and a process of creating account information managed by the internal account number are executed. 10. When transferring accounts in the plurality of stores, a process of assigning an external account number at the transfer destination store, a process of creating account index information of the external account number of the transfer destination store, and a transfer source. 10. The account management method according to claim 9, further comprising: adding the account index information of the external account number of the transfer destination store to the account index information of the external account number of the store and updating the account index information. 11. A process of checking whether or not a customer of a transfer source store can be changed to another customer of a transfer destination store when transferring accounts in the plurality of stores, and a customer of the transfer source store is transferred to the transfer destination store. If it is possible to change to another customer of the store, after updating by adding the account index information of the external account number of the transfer destination store to the account index information of the external account number of the transfer source store, The account management method according to claim 10, further comprising: performing a process of changing the customer to another customer of the transfer destination store. 12. A program for causing a computer to execute a process of managing an account of an institution having a plurality of stores, wherein the account is assigned by an internal account number uniquely assigned to the plurality of stores. A program for causing the computer to execute a process of managing the account information of. 13. A process of numbering the internal account number and opening an external account number assigned to each of the plurality of stores when opening an account in the store, the internal account number and the external account 13. The program according to claim 12, which causes the computer to execute a process of creating account index information of a number and a process of creating account information managed by the internal account number. 14. A process of assigning an external account number at a transfer destination store when transferring accounts in the plurality of stores, a process of creating account index information of the external account number of the transfer destination store, and a transfer source. The program according to claim 13, which causes the computer to execute a process of adding the account index information of the external account number of the store to the account index information of the external account number of the transfer destination store to update the computer. 15. A process of checking whether or not a customer of a transfer source store can be changed to another customer of a transfer destination store when transferring accounts in the plurality of stores, and a transfer destination customer of the transfer source store. If it is determined that it can be changed to another customer of the store, after updating by adding the account index information of the external account number of the transfer destination store to the account index information of the external account number of the transfer source store, The program according to claim 14, which causes the computer to execute a process of changing a customer to another customer of a transfer destination store.