JP2003168004A - Method for processing payment, method for processing financing certification and financial institution system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To improve customer's convenience in automatic financing and to reduce the load of a financial institution. <P>SOLUTION: A computer 11 of the financial institution is connected to a financier's computer 21 through a network. In the case of a payment transaction generating a balance shortage if an amount required for payment is paid out from a customer's account, the computer 11 transmits inquiry whether financing to the customer concerned with the customer's account is possible or not to the computer 21 of the financier trying to finance the customer. When an inquiry result received from the computer 21 indicates the possibility of financing, the computer 11 moves funds from the financier's account to the customer's account and pays the amount required for payment from the customer's account. <P>COPYRIGHT: (C)2003,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a withdrawal processing method, a loan authentication processing method and a financial institution system, and in particular,
It relates to an automatic lending scheme from a lender (lender) to a customer (lender).

[0002]

2. Description of the Related Art For example, in Japanese Patent Laid-Open No. 7-200705, when a customer makes a withdrawal from his or her savings account using an operating terminal, if a withdrawal request amount is issued, a balance shortage occurs. , An automated trading system for continuously providing cash trading is disclosed. When a customer wishes to make a cashing transaction (a transaction in which a loan is given from a bank and withdrawal is made from a loan account), the host computer accesses the loan account linked to the customer's deposit account and Present the balance to the customer as a cash limit. When the customer inputs a desired amount of money (caching required amount of money) within the range of the limit amount, cash equivalent to the amount is released from the operation terminal. Then, the host computer performs a withdrawal process of the loan account for this customer, and subtracts the balance by the cashing request amount.

[0003]

In the above-mentioned conventional technique, the financial institution sets a loan account in association with each customer's deposit account and performs cashing as its own service. However, such services are
It is preferable that a third party (including a subsidiary of a financial institution) other than a financial institution specializing in it and having specialized know-how can also be provided. This is because customer needs are diversifying, and there are many customers who receive credit from non-financial institutions and set up loan accounts, but they are not able to deal with deposit accounts, so customers can enjoy the convenience of cashing services. Not not. In addition, for financial institutions, in the process of concentration and selection, small-lot credit provision to customers is concentrated in subsidiaries, and by increasing expertise, we aim to reduce risks related to credit provision and improve efficiency. This is also possible.

Therefore, an object of the present invention is to improve the convenience of customers and reduce the risk and efficiency of financial institutions by providing a new automatic financing scheme.

[0005]

In order to solve such a problem, the first invention is that a financial institution computer connected to a lender computer via a network makes a withdrawal equivalent to a withdrawal request amount from a customer account. To provide a withdrawal processing method to be executed in a withdrawal transaction that causes a shortage of balance. According to this withdrawal processing method, the financial institution computer receives the inquiry about the customer's loan approval / disapproval regarding the customer account from the lender computer, which is the first step of transmitting the inquiry to the lender computer owned by the lender who lends to the customer. If the result of the inquiry is loanable, the financial institution computer carries out a fund transfer process from the lender account for the lender to the customer account, and a second step of carrying out a withdrawal process corresponding to the withdrawal request amount in the customer account. Have.

In the first aspect of the present invention, it is preferable that the fund transfer process is a fund transfer process corresponding to a usage amount required to eliminate a shortage of the customer account balance. This usage amount is preferably equivalent to the difference between the withdrawal request amount and the balance of the customer account, or a multiple amount of a preset loan amount unit, for example. Further, the financial institution computer may further include a third step of transmitting the result of the fund transfer processing from the lender account to the customer account to the lender computer.

A second aspect of the present invention provides a loan authentication processing method executed by a lender computer, which is connected to a financial institution computer via a network and is owned by a lender for lending to a customer. This loan authentication method is
When a balance shortage occurs when a withdrawal amount equivalent to the withdrawal request amount is issued from the customer account, the lender computer provides the customer regarding the customer account and the usage amount necessary to eliminate the insufficient balance of the customer account to the financial institution computer. The first step of receiving more information and the lender computer refers to a lender management database that manages the loanable amount for each customer, and compares the loanable amount to the customer with the received usage amount. Thus, the second step of determining whether or not to lend to the customer, and in the case of lending, the lender computer asks the financial institution computer to fund the lender from the lender account to the customer account. A third step of permitting movement.

Here, in the second invention, the lender computer updates the lender's management database, and sets the amount obtained by subtracting the usage amount as a new lendable amount for the client who made the loan. A fourth step may be further provided.

A third aspect of the present invention performs a deposit account ledger database for managing the balance of each customer account with a loan option indicating whether or not a loan is provided by a lender, and an update process for the deposit account ledger database, and a lender system. And a financial institution computer connected via a network. Here, the financial institution computer has an option of providing a loan to the customer account if a balance shortage occurs when a withdrawal amount equivalent to the withdrawal request amount is issued from the customer account during the withdrawal transaction of the customer account. Then, the inquiry about the customer's loan approval / disapproval regarding the customer account is transmitted to the lender computer owned by the lender who lends to the customer. In addition, when the financial institution computer receives the result of the loan approval inquiry from the lender computer, the financial institution computer performs the fund transfer process of adding the withdrawal amount equivalent to the withdrawal amount of the lender account to the balance of the customer account. , Performs withdrawal processing equivalent to the requested withdrawal amount from the customer account.

In the third invention, it is preferable that the withdrawal amount is an amount necessary for solving the shortage of the balance of the customer account. This withdrawal amount is preferably equivalent to the difference between the withdrawal request amount and the balance of the customer account, or a multiple amount of a preset loan amount unit. Further, the financial institution computer may send the result of the fund transfer process to the lender computer.

[0011]

DESCRIPTION OF THE PREFERRED EMBODIMENTS FIG. 1 is an overall configuration diagram of an automatic financing system according to this embodiment. This automatic lending system is mainly composed of a financial institution system 10 and a lender system 20, and these systems 10 and 20 are
Connected via a wired or wireless network.

In the automatic financing scheme according to the present embodiment, the lender lends to the customer on the assumption that an automatic financing contract has been concluded with the customer in advance. In this loan scheme, it is natural that the customer has opened a deposit account (customer account)
Must be open. Where "loaner account"
Is an account that becomes a transfer source of funds (usage amount) when the lender lends money, and typically, a deposit account in the name of the lender. The “customer account” is an account to which the funds are transferred. When there are a plurality of accounts in the customer's name, a plurality of accounts may be designated as the target accounts for automatic financing. Loans are provided by transferring funds between accounts in a withdrawal transaction in which a balance shortage occurs when a withdrawal amount equivalent to the withdrawal amount is issued from a customer account. The financial institution plays a role of transferring funds between accounts and does not participate in concluding a loan contract or canceling a loan contract (these are performed by the lender).

Examples of lenders include banks (city banks, regional banks, second regional banks, trust banks) regulated by various laws, long-term credit banks, credit unions, labor unions, credit cooperatives, fisheries processing cooperatives, and agriculture. Cooperatives, fishery cooperatives,
Examples include postal savings, insurance companies, and securities companies. Also,
A nonbank (a company under the Money Lending Business Law, for example, a credit card company, a credit company, a consumer finance company, etc.), an internal loan, or the like can also be a lender.

Financial institution system 10 owned by a financial institution
Includes a single or multiple computers 11 and an interface 12 such as a communication device. Computer 11
Is a general computer mainly composed of a CPU, a ROM, a RAM and the like, and transmits / receives data to / from an external system including the lender system 20 via the interface 12. The computer 11 on the financial institution side can access a storage device such as a magnetic disk. This storage device stores various data and various databases necessary for the financial institution to carry out its own business. In relation to this embodiment, the deposit account ledger database 13 and the company information database 14 are It becomes important.

Here, the deposit account ledger database 13
Is a database that manages the deposit balances of individual depositors (customers) who have opened deposit accounts at financial institutions.
In the present embodiment, these are managed with a loan option indicating whether or not there is a loan. FIG. 2 is an explanatory diagram of the deposit account ledger database 13. This database 13 is a set of records provided for each customer, and each record has a "customer ID", "account information", "financing option", "company code", "deposit balance". , "Transaction history", etc. The “customer ID” is a unique code assigned to each customer and is used as a key item when managing the customer.
The “account information” includes a branch number corresponding to the store number of the transaction branch, a deposit type code that distinguishes the deposit type, and the account number. The "deposit balance" describes the current balance of the account and is updated at any time by depositing / withdrawing. "Trading History"
Is a history of deposits and withdrawals of the account, and the history is added every time a transaction is made.

"Financing Option" and "Company Code"
Is an important item for realizing the financing scheme according to the present embodiment. "No loan" for "financing option"
Alternatively, either "with loan" is set, and the "company code" is the code of the company (lender) that lends to the customer (lender). When an automatic loan contract is concluded between the customer and the lender, "with loan" is set as the "financing option" for the deposit account designated by the customer. At the same time, a code that identifies the lender is set as the "company code". For customer accounts for which “with loan” is set, when a withdrawal transaction that causes a balance shortage, the amount to compensate for the shortage is automatically loaned by the lender specified by the “company code”. It

The company information database 14 is a database for managing information about individual companies (financers). FIG. 3 is an explanatory diagram of the company information database 14. This database 14 is a set of records provided for each company, and each record is composed of items such as "company code", "company information", and "network address". . The “company code” is a code unique to each company and assigned to each company.
The “company information” includes a company name, address, and account information (financial institution name, store number, deposit type code, account number) and the like. The account specified by this account information becomes the lender account described above. Further, the “network address” is an address on the network regarding a computer on the company side including the lender. This "network address"
Is required when inquiring a lender who makes an automatic loan whether or not the loan can be made.

On the other hand, a lender system 20 owned by a lender who lends to a customer includes a single or a plurality of computers 21 and an interface 22 such as a communication device.
The computer 21 is a general computer mainly composed of a CPU, a ROM, a RAM, etc., and transmits / receives data to / from an external system including the financial institution system 10 via an interface 22 such as a communication device. To do. The computer 21 can also access a storage device such as a magnetic disk. Although this storage device stores various data and various databases necessary for the lender to perform his / her own business, the lender management database 23 is important in relation to this embodiment. The storage device also stores a billing database 24 that manages billing information for the lender.

Here, the borrower management database 23 is
It is a database that manages the amount of money that can be loaned for each client (lender) of the lender. FIG. 4 is an explanatory diagram of the borrower management database 23. This database 23 is a set of records provided for each customer,
Each record includes a “customer number” such as an account number, “customer information” such as a customer's name and address, usage status and account information regarding the customer (“financial institution code”, “store number”, “deposit type code”). , "Account number") and so on. Here, the usage status includes items such as “usage limit amount”, “currently used amount” and “currently unused amount”, but especially “currently unused amount” is
It represents the amount of money that can be loaned to the customer (“limit of usage” = “current usage” + “current unused usage”).

The route of the automatic financing contract is as follows.
There are two possible routes. (1) Direct application to the lender A customer who wishes to make an automatic loan directly applies to the lender by writing or on the Internet. The lender newly adds the information about the customer who has applied to the lender management database 23,
The information is also sent to financial institutions. The financial institution reflects it in the deposit account ledger database 13. (2) Acceptance by the financial institution When the financial institution accepts the application from the customer, the financial institution sends the application to the lender. The lender who received the contract concludes an automatic financing contract with this customer by the same procedure as in (1) above. The financial institution sets the above "financing option" for this customer to "with financing", provided that this contract has been concluded. It should be noted that this procedure can also be accepted on the system from ATMs of financial institutions.

In order to match the data regarding the automatic financing contract between the financial institution side and the lender side,
The “financing option” and the “company code” in the deposit account ledger database 13 on the financial institution side are updated regularly (for example, monthly).

FIG. 5 is a flow chart showing the procedure of the withdrawal process executed by the computer 11 on the financial institution side. The series of processing shown in this flowchart is
It is executed in real time in all withdrawal transactions including the case where the customer applies for the withdrawal transaction by ATM (Automatic Teller Machine) or when the company requests the withdrawal of the fee.

First, in step 1, it is judged whether or not the withdrawal amount (withdrawal request amount) in this withdrawal transaction is less than or equal to the deposit balance of the customer account to be withdrawn. Specifically, the computer 11 accesses the deposit account ledger database 13 and extracts a record relating to this customer account. Then, it is determined whether or not the current deposit balance described in the extracted record is equal to or more than the withdrawal request amount. If a fee is charged for this withdrawal transaction, the withdrawal request amount is the sum of the original withdrawal amount and the fee.

If the affirmative determination is made in step 1, that is, if there is a deposit balance corresponding to the amount for which the withdrawal transaction is possible, the withdrawal processing of the customer account is performed (step 2). The computer 11 updates the balance of the record related to the customer account, subtracts the withdrawal request amount from the current balance, and adds the current withdrawal history as the transaction history.

On the other hand, when the deposit balance does not exist enough to allow the withdrawal transaction (when the balance is insufficient), step 1
From the negative determination of No., the process proceeds to step 3, and it is further determined whether or not the loan option is set in the account to be withdrawn. Whether or not the loan option is set can be determined from the item “financing option” in the customer account record. If the balance is insufficient and the loan option is not set, the process proceeds from the negative determination in step 3 to step 4, and the withdrawal prohibition process is performed. The computer 11 transmits to the ATM or the like that the withdrawal request amount cannot be withdrawn without updating the balance of the record relating to the customer account or the transaction history.

On the other hand, when the balance is insufficient but the loan option is set, the process proceeds from the affirmative judgment in step 3 to step 5, where the loan process, that is, the fund transfer process involving the transfer of funds to the customer account is performed. Be seen. FIG. 6 is a flowchart showing a detailed procedure of this loan processing. First, in step 10, the usage amount (financing amount) for the current loan is calculated. The usage amount is a loan amount necessary for conducting the withdrawal transaction this time, and the fee is also taken into consideration when a fee is incurred during the withdrawal transaction. In the present embodiment, emphasis is placed on reducing the interest burden on the person who receives the loan, and the minimum amount necessary to eliminate the shortage of the customer account balance is calculated as the usage amount.

The usage amount (withdrawal amount when viewed from the loaner account) is basically equivalent to the difference amount obtained by subtracting the deposit balance from the withdrawal request amount. However, when a loan amount unit (for example, a unit of 1,000 yen) is set in advance, a usage amount is a multiple amount of this loan amount unit. For example, the difference above is 8,258
In yen, if the loan amount unit is 1,000 yen, the usage amount will be 9,000 yen, which is increased by this loan amount unit. As another method of calculating the usage amount, the withdrawal request amount may be used as it is as the usage amount without touching the insufficient balance. There are various methods of calculating the usage amount other than these, but any of the calculating methods can be arbitrarily adopted.

In the following step 11, the computer 11 refers to the "company code" written in the record relating to the customer account in order to identify the lender who makes the loan.
Then, the company information database 14 is searched by using this "company code" as a key, and the "network address" of this company is specified. This address is the address of the lender's computer 21 on the lender's side on the network, and corresponds to the reference destination of the loan this time.

Then, the computer 11 creates, for each inquiry item, inquiry data including at least a customer regarding the customer account and a usage amount required to eliminate the insufficient balance of the customer account (step 12). Specifically, the inquiry data is a company code, a customer number that is a management key on the loaner side (an account number when the loaner manages the customer by the account number), a usage amount, a financial institution code, a store number, and a deposit. It consists of data such as type code and account number. Then, the inquiry data is transmitted to the lender system 20 specified in the previous step 11 to inquire whether or not the loan to the customer regarding the customer account is possible (step 13).

In step 14, the loaner-side computer 21, which has received the inquiry data, compares the amount of money that can be loaned to this customer with the previously received amount of money, and this loan to this customer Whether or not it is possible is determined (step 15). That is, this computer 21
Accesses the lender management database 23 that manages the amount of money that can be loaned to each customer, and indicates the "financing status" of the customer regarding this withdrawal transaction, in particular, the amount of money that can be loaned, using the customer number as a key. Refer to "Currently unused amount". Then, if the usage amount received from the financial institution side is less than or equal to the “currently unused amount”, inquiry result data for permitting this loan is created (step 16). If the received amount of use is larger than the “currently unused amount”, inquiry result data indicating that the current loan is not permitted is created (step 16). The inquiry result data includes company code, customer number, usage amount, financial institution code, store number, deposit type code,
Account number, inquiry result (“financing available” or “loan not available”)
Including data such as.

Then, in step 17, the computer 21 on the lender side is the computer 11 on the financial institution side.
Inquiry result data is sent to each inquiry item. Sending inquiry result data that the inquiry result is "loanable"
It means that the computer 21 on the lender side permits the computer 11 on the financial institution side to transfer the amount of money equivalent to the usage amount from the lender account to the customer account. On the other hand, transmitting the inquiry result data whose inquiry result is “loan not possible” means that the computer 11 on the financial institution side is not permitted to transfer the funds equivalent to the usage amount from the lender account to the customer account. means.

In step 18, the computer 11 on the financial institution side judges whether or not the loan from the lender is possible based on the received inquiry result data (step 19). If the result of the inquiry is "loan not possible", the process proceeds to step 20 and the withdrawal prohibition process is performed. The withdrawal prohibition process in this step is similar to the withdrawal prohibition process in step 4 described above, but by transmitting to the ATM or the like that the reason for the withdrawal prohibition is that financing is not possible,
It is preferable to notify the customer of it.

On the other hand, when the result of the inquiry is "financing allowed", the process proceeds to step 21, and the money transfer process corresponding to the usage amount is performed from the lender account to the customer account. When realizing this transfer of funds by transfer, first, the computer 1
1 performs withdrawal processing equivalent to the usage amount from the loaner account. As a result, the balance of the record relating to the lender account in the deposit account ledger database 13 is updated, and the usage amount is subtracted from the current balance. At the same time, the withdrawal history of this time is added as the transaction history of this lender account. The lender account is linked to the customer account,
It is uniquely specified by the company information database 14 using the "company code" associated with the customer account as a key. Then, the computer 11 performs a deposit process corresponding to the usage amount to the customer account. As a result, the balance of the record relating to the customer account in the deposit account ledger database 13 is updated, and the usage amount is added to the current balance. At the same time, the deposit history of this time is added as the transaction history of this customer account.

For example, as shown in FIG. 7, let us consider a case where the loaner account has a balance of A yen and the customer account has a usage amount of b yen to solve the shortage of the balance. In this case, b yen equivalent to the usage amount is withdrawn from the loaner account, and the deposit balance of this account is updated to (Ab) yen. Then, the withdrawal amount b yen withdrawn from the loaner account is deposited into the customer account.
As a result, the balance of the customer account changes from a yen, which was in a state of insufficient balance, to (a + b) yen, which is equivalent to the withdrawal request amount.

In the following step 22, withdrawal processing of the required withdrawal amount is performed for the customer account. That is, the computer 11 updates the balance of the record relating to the customer account in the deposit account ledger database 13 and subtracts the withdrawal request amount from the current balance. Then, this withdrawal history is added as the transaction history of this customer account. For example, in the case of FIG. 7, the balance of the customer account is (a + b) yen due to the deposit in the previous step 21, and the withdrawal request amount (a + b) yen is subtracted from this balance, and the deposit balance is 0 yen. Becomes

Finally, in step 23, the computer 11 notifies the lender system 20 of the transfer result data indicating the result of the fund transfer process from the lender account to the customer account, and ends the series of processes. . This transfer result data includes a company code, a customer number that is a management key on the lender side (an account number when the lender manages the customer by the account number), a usage amount, a financial institution code, a store number, a deposit type code, Includes data such as account numbers. In addition, when the transfer to the customer account cannot be performed due to lack of balance of the lender account or the like, the transfer result data indicating that is notified to the lender system 20.

Upon receipt of this notification, the loaner-side computer 21 updates the loan recipient management database 23 when the transfer process is completed, and subtracts the amount equivalent to the usage amount for the customer who made the loan. Is a new loanable amount. Specifically, the "currently used amount" is added to the used amount that has been loaned this time, and the "currently unused amount" is subtracted from the used amount. Then, after newly adding a billing item relating to the loan this time to the billing database 24, the invoice in which interest, repayment schedule, etc. are specified is sent to the customer who is the lender. The update of the loan status and the sending of the bill may be performed when the lender system 20 receives the inquiry data from the financial institution system 10.

As described above, according to the present embodiment, when the customer himself / herself makes a withdrawal transaction or when the company requests the withdrawal of the charge, the withdrawal request amount is too large to cause a balance shortage. Is loaned from the lender to the customer by an amount equivalent to the usage amount (financing amount). This loan is realized by a transfer process from the lender account to the customer account, provided that the result of the inquiry from the lender is that the loan is available. In other words, after the withdrawal amount equivalent to the withdrawal amount from the lender account is added to the balance of the customer account (in other words, after the lack of balance is resolved), the withdrawal process equivalent to the withdrawal request amount from the customer account is performed. Done. Therefore, at the time of withdrawal transaction with insufficient balance, loans for insufficient balance are automatically provided as a part of withdrawal transaction, so that withdrawal transaction can be completed quickly and customer convenience can be improved. it can. In particular, if a specialized third party with abundant know-how makes such a loan, it may be possible to present the customer with a more favorable loan condition than that provided by a financial institution, further improving customer convenience. Can be expected.

On the other hand, for a financial institution, by concentrating small-lot credit provision to subsidiaries and increasing know-how, it becomes possible to reduce the risk relating to credit provision and to improve efficiency. Also, when small-lot credit is concentrated on subsidiaries, it is not necessary to set up a loan account to manage the cashing amount of each customer as in the conventional technology, so resources in the financial institution system can be used efficiently. .

In the above-described embodiment, the customer account and the lender account are linked via the company information database 14. However, these accounts may be directly linked in the deposit account ledger database 13. For example, the loan source account is described in the record related to the customer account.

In the above-described embodiment, the transfer of funds from the lender account to the customer account is realized by transfer. However, this method of transferring funds is not limited to transfer, and other methods may be used.
For example, a bank may make an advance payment corresponding to the usage amount to each customer and collectively withdraw the total amount of money for one day from the lender.

[0042]

In the automatic lending scheme according to the present invention, a loan is made in the form of transferring funds from a lender account to a customer account, assuming that the customer and the lender have signed an automatic lending contract. . Therefore, even when a withdrawal transaction with a shortage of balance is possible, withdrawal can be performed quickly, and customer convenience can be improved. On the other hand, the financial institution does not need to provide credit to the customer as the loan recipient and manage the loan for each customer, so that the burden on the financial institution can be reduced.

[Brief description of drawings]

[Figure 1] Overall configuration of the automatic financing system

[Figure 2] Explanatory diagram of deposit account ledger database

[Figure 3] Illustration of the corporate information database

[Figure 4] Explanatory diagram of the borrower management database

FIG. 5 is a flowchart showing a procedure of withdrawal processing.

FIG. 6 is a flowchart showing a detailed procedure of a loan process.

[Figure 7] Explanatory diagram of deposit / withdrawal processing in automatic financing

[Explanation of symbols]

10 financial institution system 11 computer 12 interfaces 13 Deposit account ledger database 14 Corporate Information Database 20 Lender system 21 computer 22 Interface 23 loan recipient management database 24 Billing Database

Claims (12)

[Claims] 1. A withdrawal process executed in a withdrawal transaction in which a financial institution computer, which is connected to a lender computer via a network, makes a withdrawal amount equivalent to a withdrawal request amount from a customer account, resulting in insufficient balance. In the method, the financial institution computer transmits, to the lender computer possessed by a lender who lends to the customer, an inquiry as to whether or not the customer's loan regarding the customer account is received; If the result of the inquiry is a loan, the financial institution computer carries out a fund transfer process from the lender account for the lender to the customer account, and also carries out a withdrawal process corresponding to the withdrawal request amount in the customer account. A withdrawal processing method comprising: a second step. 2. The withdrawal processing method according to claim 1, wherein the fund transfer process is a fund transfer process corresponding to a usage amount necessary for solving a lack of balance of the customer account. 3. The withdrawal processing method according to claim 2, wherein the usage amount is equivalent to a difference between the withdrawal request amount and the balance of the customer account. 4. The withdrawal processing method according to claim 2, wherein the usage amount is a multiple amount of a preset loan amount unit. 5. The financial institution computer further comprises a third step of transmitting a result of a fund transfer process from the lender account to the customer account to the lender computer. The withdrawal processing method described in any one of 4 to 4. 6. A loan authentication processing method executed by a lender computer, which is connected to a financial institution computer via a network and has a lender for lending to a customer, wherein a withdrawal request is made from a customer account during a withdrawal transaction. When the amount equivalent to the withdrawal causes a balance shortage, the lender computer receives from the financial institution computer the customer relating to the customer account and the usage amount necessary to eliminate the shortage of the balance of the customer account. And the lender computer refers to a lender management database that manages the loanable amount for each customer, and compares the loanable amount to the customer with the received usage amount. The second step of determining whether or not to lend to the customer, and, in the case of lending, the lender computer Against Yuta, loan authentication method characterized by a third step to allow the transfer of funds equivalent to spend from lenders account relating to the lenders to the customer account. 7. A fourth step in which the lender computer updates the lender management database and sets an amount obtained by subtracting the usage amount as a new lendable amount for a customer who has made a loan. The loan authentication processing method according to claim 6, further comprising: 8. In a financial institution system, a deposit account ledger database that manages the balance of each customer account with a loan option indicating whether or not a loan is provided by a lender; Person system and a financial institution computer connected via a network, the financial institution computer, when performing a withdrawal transaction of a customer account, performs a withdrawal equivalent to the withdrawal request amount from the customer account, If there is a shortage, and if the option with financing is set in the customer account,
When a customer's loan approval / disapproval inquiry relating to the customer account is transmitted to a lender computer owned by a lender who makes a loan to the customer, and a loan approval inquiry result is received from the lender computer, the lender related to the lender. A financial institution system characterized by performing a withdrawal process corresponding to the requested withdrawal amount from the customer account after performing a fund transfer process of adding an withdrawal amount equivalent to the withdrawal amount from the account to the balance of the customer account. . 9. The financial institution system according to claim 8, wherein the withdrawal amount is an amount required to eliminate a shortage of the balance of the customer account. 10. The financial institution system according to claim 9, wherein the withdrawal amount is equivalent to a difference between the withdrawal request amount and the balance of the customer account. 11. The withdrawal processing method according to claim 9, wherein the usage amount is a multiple amount of a preset loan amount unit. 12. The financial institution system according to claim 8, wherein the financial institution computer transmits the result of the fund transfer process to the lender computer.