JP2003085380A - Collective money transfer system for account and its method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To solve problems in an account transfer wherein management is troublesome due to different debt transfer dates determined by each biller, a bank account is often insufficient in a debt transfer before pay day and vast expenses are necessary since bills are individually mailed by each biller. SOLUTION: In an account transfer of a financial institution or a post office, the collective money transfer system for the account is characterized by that it is provided with a money transfer request receiving means of receiving a request for an automatic debt transfer on a scheduled date of each biller, a managing means of storing and managing each piece of information of a biller, an amount billed and a money transfer date received by the money transfer request receiving means, a billing means of collectively billing the total amount of each amount billed managed by the managing means, and a debt transfer means of collectively transferring the amount billed by the billing means from the account.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an account batch transfer system and method.

[0002]

2. Description of the Related Art An automatic transfer service from an account of a financial institution such as a bank or a post office is available for billing charges for public utility charges, telephone charges, insurance fees, school fees, credit payments, taxes, etc. A service of a financial institution such as a bank or a post office that automatically deducts money from the account of the financial institution or post office on the date specified or requested by the and transfers the money to the invoicing party. Due to the financial institutions / post offices such as banks, or the prescribed procedures of each claimant, each charge is deducted from the account holder's account separately on the date specified by each claimant.
(Note that the financial institution referred to in the present invention is a bank, an internet bank, a trust bank, an insurance company, a credit union, a credit union, a labor union, the Norinchukin Bank, a commercial and industrial union central bank, a credit cooperative, an agricultural cooperative, and Securities companies, etc.)

[0003]

However, since the withdrawal dates determined by each invoicing source are different, the withdrawal is gradually made from the deposit balance of the account, and the management is troublesome.
This means that although the salary is usually once a month, the withdrawal is divided into multiple payments, so if the withdrawal is made before the payday, the deposit balance may become insufficient. It was

[0004] On the other hand, the invoices and detailed statements from each billing source for account transfer are individually mailed from each invoice source, and the billing and detailed data management / delivery documents for each customer are created. Such tasks are complicated. In addition, mailing customer-specific bills and statements requires enormous expense. It is an object of the present invention to improve the inconveniences of the conventional example, to collectively transfer and withdraw money at an arbitrary date desired by the account holder, and to simplify account management.

[0005]

[Means for Solving the Problems] In order to achieve the above object, the present invention is to pay public utility charges, telephone charges, insurance charges, school expenses, credit payments, taxes, etc. from an account of a financial institution or post office. Transfer request receiving means for receiving a request for automatic withdrawal on each designated payment date, management means for accumulating and managing each invoice information, charge amount, transfer date information received by the transfer request receiving means, The billing means collectively bills the total amount of each bill managed by the managing means to the account holder, and the debiting means for debiting the billed amount from the account. It is characterized by

[0006] Further, the withdrawing means includes a transfer date designating means capable of designating an account holder's arbitrary date as a date for collectively withdrawing the amount charged by the billing means from the account. Good.

[0007] Further, it is preferable that the management unit includes a totaling unit that totals a billing amount or a transfer amount from each billing source within an arbitrary specified period.

[0008] Further, it is preferable to include a shipping means for sending a bill and a statement to the account holder.

[0009] Further, a request for automatic withdrawal of payments for public utility charges, telephone charges, insurance fees, school fees, credit payments, taxes, etc. from the accounts of financial institutions or post offices will be accepted. The account request is the total amount of the transfer request acceptance procedure, the management procedure for accumulating and managing the information of the invoicing source / invoice amount / transfer date received by the transfer request acceptance procedure, and each invoice amount managed by the management procedure. Billing procedure to collectively bill the person, withdrawal procedure for withdrawing the amount billed by the billing procedure from the account, and
In place of the billing source accepted by the transfer request acceptance procedure, there is a shipping agent procedure for sending a bill and a statement to the account holder, and further, the withdrawal procedure uses the amount billed by the billing procedure. It includes a transfer date designation procedure that allows you to designate the date of withdrawal from the relevant account in a lump sum on any day of the account holder, and the management procedure includes the transfer date designation procedure from each billing source within any specified period. It is characterized by including a totaling procedure for totaling billed amounts or transfer amounts.

[0010]

According to the above-described batch transfer system and method for an account of the present invention, when the procedures for requesting an account transfer from each invoicing party are carried out, the bank, post office, and securities company unite the predetermined months. The combined invoice and statement will be sent to the account owner, and the total amount of money can be transferred from the account to each invoicing party on an arbitrarily designated date. This simplifies management of owned accounts and management of invoices / statements.

[0011] In addition, it is possible to easily aggregate the billing amount or the transfer amount from each billing source within an arbitrary specific period,
By summing up a specified period for one year, it becomes effective data such as final tax return.

[0012] Furthermore, by eliminating the invoice and statement shipment from the invoicing source, it is possible to reduce the enormous cost required for shipping,
In addition, when a financial institution, a post office, or another company sends out a bill and a statement in a lump sum, it is possible to obtain a huge increase in profit associated with the delivery agency.

[0013]

BEST MODE FOR CARRYING OUT THE INVENTION An embodiment of the present invention will be described with reference to the drawings. FIG. 1 is a block diagram showing an embodiment of a batch transfer system for accounts according to the present invention. The lump sum transfer system for accounts of the present invention is a financial institution such as a bank, an internet bank, a trust bank, an insurance company, a credit union, a credit union, a labor union, the Norinchukin Bank, a commercial and industrial union central bank, a credit cooperative, and an agricultural cooperative. This system is applicable to a post office, a securities company, other companies and organizations, but this embodiment is applied to a bank.

[0014] The batch transfer system for accounts according to the present embodiment is a company or an organization that requests payment of utility bills, telephone charges, insurance fees, school fees, credits, taxes, and the like.
1 to 10-n, a bank 20 that provides a lump sum transfer service,
A data server 21 provided in the bank and having a management means for storing and managing information of the billing source and information of customers who have subscribed to the collective transfer service, and a bank account 30-of the customer who has subscribed to the collective transfer service of the bank. 1-30-n
And customers 31-1 to 3 who have subscribed to the above-mentioned bulk transfer service
1-n.

[0015] The invoicing sources 10-1 to 10-n perform a transfer request procedure in advance to the bank in order to withdraw and collect the usage amount of the customer from the bank account of the customer. In addition, the bank requesting withdrawal must be given the date of withdrawal, customer name, account number,
It is a request for management by transmitting data such as billed amount and details to the customer.

[0016] The bank 20 provides a service of transferring a billing amount from a customer's account to each billing source in response to a request from the billing source and an account holder in advance. In addition, instead of each billing source, the bill and the statement for the billing to the customer are collectively sent at once, and the total billing amount for the month is deducted on the date of the collective transfer designated by the customer.

[0017] The data server 21 stores data of the designated withdrawal date, customer list, billing amount of each customer, details, etc., and the customers who have subscribed to the collective transfer service in the bank 20. It stores and manages data such as account numbers and designated transfer dates. In addition, the accumulated data can collect the billing and transfer data for any specific period according to the customer's request.

[0018] The bank accounts 30-1 to 30-n are accounts designated when each customer subscribes to the collective transfer service in the bank 20, and the total billing amount of the current month is collectively specified on the specified collective transfer date. Will be withdrawn at.

[0019] Next, the flow of one embodiment of the collective account transfer service of the present invention will be described with reference to the flowchart of FIG. FIG. 2 shows a flow in which a customer subscribes to a collective transfer service at a bank and the invoices from each invoice source are collectively withdrawn.

[0020] First, a customer who wants to subscribe to the collective transfer service at the bank 20 makes a request for collective transfer at a counter, mailing, or the Internet (step S101). At the time of this request, the designated account number, the designated date of transfer, the invoicing party for which the transfer is desired (all invoices requested by the bank, or only some invoice sources may be registered) are registered.
Further, the designated date for collective transfer by the customer may be any day, and it is desirable to designate it together with the payday.

[0021] After that, all the billing sources of the bank tie corresponding to the customer who has contracted for the collective transfer service are notified that the customer has switched to the collective transfer, and the automatic transfer procedure (step 102) is performed. At this time, the portion of the amount used by the customer for accepting the agency request for the delivery business such as the bill and the statement, and for an arbitrarily agreed period (for example, 1 month, hereinafter, the billing period will be described as 1 month) A data server 21 is provided in which each data such as the billing amount, the designated date of transfer, and the statement can be registered.

When there is an account transfer request (step 103) from each invoicing source 10-1 to 10-n to the bank 20, each data such as company name (invoicing source name), invoiced amount, transfer date, and statement is stored in a data server. 21 (step 104).

Next, based on the data of the data server 21, the bank 20 temporarily resets the billing amount to the customer who subscribes to the collective transfer service on the transfer date of each billing source 10-1 to 10-n. Transfer to the original (step 105). Similar to the conventional automatic transfer service provided by banks, this is to transfer money on the transfer date specified by each invoicing party, and there is no risk or demerit of each invoicing party.

[0024] At the end of the month, the bank 20 totals the invoicing source and the invoiced amount for which the transfer request was made within one month (step 106),
Create and send a batch transfer invoice and statement (step 1
07) (FIG. 3 shows an example of a batch transfer invoice) The invoice and the statement may be sent not only by mail but also by various sending means such as e-mail. The beginning of the next month after the end of the month is desirable.

Then, when the date of collective transfer designated by the customer (for example, 25 days of payday) comes, the bank sums up and notifies the account of the total billing amount totaled from step 106 to step 107 from the customer's account. It is confirmed whether or not there is a balance (step 108), and if the account balance is less than the invoiced amount, the transfer money balance shortage is notified (step 109).
To do. After that, bulk transfer will be performed as soon as the account balance above the notified billing amount is confirmed. In addition, when the account balance for collective transfer is insufficient, if there are a plurality of billing sources, only part of the transfer may be set.

[0026] On the other hand, if the amount of money in the account balance is equal to or more than the billed amount on the day of the lump sum transfer, the utility charge, telephone charge, and
The total amount charged such as insurance, school fees, credits, taxes, etc. is withdrawn at once and transferred (step 110).
At that time, the bank advances the transfer money (step 105).
You will be billed with the added fee. This lump sum transfer fee is arbitrarily set by the bank 20 and may be an appropriate rate for corporate operation. For example, if a lump sum transfer fee of 0.5% is set, the lump sum transfer amount for one account is 100,000 yen. If 500
It becomes a batch transfer fee of yen.

[0027] The customer cancels the collective transfer service (step 11).
1) If not, the batch transfer service is performed in the same manner every month as in steps 103 to 110. When the contract is cancelled, the batch transfer service is canceled.

[0028] Next, an example of transfer from the account to each invoicing source shown in FIGS. 4 and 5 will be described. FIG. 4 is an example of a conventional transfer service, and FIG. 5 is an example of a batch transfer service. As shown in FIG. 4, in the past, the transfer due date from each billing source was different, and there was no compatibility with the payday of the customer. Therefore, the transfer immediately before the payday may cause a balance shortage, and management is troublesome. is there. Further, depending on the billing source, the invoice or the statement may be sent late, and the inconvenience may be further increased if the transfer is made immediately before the payday.

[0029] In the present embodiment, as shown in FIG. 5, the transfer date can be set to the payday of the customer, etc., and the transfer is also performed collectively, so management is easy and there is little risk of causing a shortage of the account balance. . Furthermore, the billing source is represented by a list as shown in FIG.
The bank temporarily transfers the transfer money, and the transfer is done about a month later, and there is still room for payment. In addition, since the bill and the statement can be tabulated in any period, the tabulation for one year (January to December) can be easily tabulated for final tax return.

[0030] Although the present embodiment described above is limited to the invoicing source that can perform the account transfer procedure, the present invention is
It can also be applied to an automatic remittance service in which a customer who owns an account other than this example remits a specified amount of money to an arbitrarily designated account every month, and the collective transfer system is a conventional automatic transfer service and an automatic remittance service. It is a service that includes.

[0031] Further, although the present embodiment is applied and described to a bank which is a financial institution, the collective transfer service from an account is a service provided by a third party other than the financial institution and the post office. Can also be applied as. Furthermore,
The account can be an account owned by an individual or a corporation such as a company.
Alternatively, it may be an account owned by a group or the like.

[0032] Further, in the business of acting as a proxy for sending out invoices and specifications when performing a collective transfer service from a predetermined account, it is not limited to providing and managing accounts of financial institutions, post offices, etc. It may be done by a person's company or an individual.

[0033] Next, practical effects of the present embodiment will be described below. 1. Benefits of using this system for customers who own an account (1) For customers who own an account, the transfer from the invoicing source was different for each customer, and managing the account balance etc. was troublesome. Eliminating the trouble of account management by adjusting the day to the payday.

[0034] (2) The bank can act on behalf of the invoice and statement for collective account transfer, so that the invoice and statement can be put together on one sheet for easy management, and the invoice from each invoicer for any period By summing up the amount, it can be applied to materials for final tax return for one year. (3) In case of collective account transfer rather than conventional account transfer,
Approximately one month debit will be delayed, and by setting the transfer date according to the payday of the customer, there will be no shortage of account balance.

[0035] 2. Effects of using the system by the bank (1) As a collective transfer fee, a new income source is secured by collecting an arbitrary fee from the customer, and the profit is expected to expand. (For example, it is assumed that a batch transfer of 100,000 yen on average will be made with a 0.5% commission, and
If we estimate with 10,000 contracts, we will earn 30 billion yen annually. )

(2) The information for each customer such as the billing amount is gathered at the bank even in the conventional automatic transfer service, and the information is collectively managed and the bill and the statement are sent on behalf of the customer. By reducing the original expenses and business processes to collect shipping agency expenses, a new source of income will be secured and profits are expected to grow. (For example, one company can carry out shipping services for 7 companies per account for 20 yen per company.
If we make a trial calculation with 0,000 contracts, we will earn 8.4 billion yen annually. )

(3) The public opinion on the current banking business is rigorously evaluated, and each bank aims to improve service and acquire new customers by differentiating from other banks, but this system is a new source of income. It is possible to improve the service to the customer and the service to the invoicing party as well as to secure the above, and to differentiate from other banks and improve the image.

[0038] 3. Effect of using this system by each invoicing source (1) Since the invoice and the statement on behalf of the bank are reduced, the enormous cost conventionally used for the invoice and statement shipping business is reduced, Further, by sending the data of the invoice and the statement to the bank, it is possible to greatly reduce the labor involved in the business. (2) Each invoicing party does not need to make any capital investment to use this system to obtain the effect, and can reduce costs and work processes by the same procedure as the conventional transfer request, but it is the same as before. Payment can be confirmed on the transfer date.

[0039]

As described above, according to the present invention, it is possible to collectively perform automatic account transfer on the due date arbitrarily set by the customer, even if the withdrawal dates determined by the respective billing sources are different. This will save you the hassle of withdrawing your deposit balance little by little, and it will be easier to manage. Also, by setting an arbitrarily designated date as a payday, it is possible to prevent a shortage of the deposit balance due to withdrawal before the payday.

[0040] Furthermore, by substituting the business of sending the bill and the statement, it is possible to reduce the cost and the work process related to the sending of the bill and the statement from each invoicing source, and further, the agency business. It is intended to increase the profit. In addition, the revenue from commissions from customers due to collective account transfer will be a new source of revenue and will have a great effect on corporate management.

[Brief description of drawings]

FIG. 1 is a configuration diagram showing an embodiment of a batch transfer system for accounts according to the present invention.

FIG. 2 is a flow chart showing an account collective transfer system according to an embodiment of the present invention.

FIG. 3 is an example of a consolidated bill according to an embodiment of the present invention.

FIG. 4 is an example of an account book of a conventional automatic transfer service.

FIG. 5 is an example of an account book for collective transfer in the embodiment of the present invention.

[Explanation of symbols]

10-1 to 10-n ... Billing source 20 ... Bank 21 ... Data server 30-1 to 30-n ... Bank account 31-1 to 31-n ... Customer

Claims (5)

[Claims] [Claim 1] Payment of utility charges, telephone charges, insurance fees, school fees, credit payments, taxes, etc. from a savings account of a financial institution or a savings account of a post office (hereinafter referred to as a savings account and savings account) Transfer request receiving means for accepting a request to perform automatic withdrawal on each designated payment date, and the name of the billing company or organization (hereinafter referred to as the invoicing source), the amount charged, and the transfer date received by the transfer request receiving means Management means for accumulating and managing information, billing means for collectively billing the account holder for the total amount of each billing amount managed by the management means, and withdrawing the amount billed by the billing means from the account A collective transfer system for an account, comprising: 2. The account collective transfer system according to claim 1, wherein the debiting means collectively debits the amount claimed by the claiming means from the account on any day of the account holder. A collective transfer system for an account, comprising transfer means for specifying a transfer date. 3. The batch transfer system for an account according to claim 1, wherein the management means includes an aggregating means for aggregating an amount charged or a transfer amount from each invoicer within an arbitrary specified period. Bulk transfer system for accounts. 4. A collective transfer system for an account according to any one of claims 1 to 3, further comprising a shipping means for sending a bill and a statement to an account holder. [Claim 5] Utility charges from an account of a financial institution or post office
Transfer request acceptance procedure for accepting requests for automatic withdrawal of payments for telephone charges, insurance fees, school fees, credit payments, taxes, etc., and the invoicing source accepted by the transfer request acceptance procedure -A management procedure for accumulating and managing each information of the billing amount and transfer date, and a billing procedure for collectively billing the account holder for the total amount of each billing amount managed by the management procedure, and the billing procedure A withdrawal procedure for withdrawing the specified amount from the account, and a shipping procedure for billing and sending the statement to the account holder, and the withdrawing procedure was requested by the billing procedure. It includes a transfer date specification procedure that allows the account holder to specify the date for which the amount will be collectively deducted from the relevant account, and the management procedure will include each contract within any specified period. Bulk transfer method of account which is characterized in that it comprises a summary procedure to aggregate the like, or transfer example the amount of the invoice amount from the original.