JP2003178242A - Transaction processing method and transaction processing system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To enable a user to recognize a movement of a fund while preventing a shortage of the balance of a credit charging account by an automatic movement of the fund in a transaction processing method for moving the fund to the credit charging account in a financial institution. <P>SOLUTION: First of all, items corresponding to respective credit companies are arranged in a small amount account being the credit charging account. Small amount account control information for controlling the respective items is arranged in a small amount account database 15. When a charging notice input part 11 inputs charging notice from the credit companies, a present state balance check part 12 compares the present state balance of the corresponding item with the lowest standard balance. When the present state balance is less, a fund movement confirming part 13 transmits fund movement confirming notice to a user terminal 2. Only when there is an answer of OK of the movement of fund from the user terminal 2, a fund movement processing part 14 moves the fund by the difference between a use limit standard amount and the present state balance on the corresponding item. <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 technology for managing an account in a financial institution, and more particularly to a transaction processing method for credit debit.

[0002]

2. Description of the Related Art The following is an example of conventional technology relating to account management in financial institutions.

Prior Art (1): Japanese Patent Laid-Open No. 2000-242
No. 717 Publication This technology establishes a debit transaction account separately from a general transaction account such as a savings account and checks the balance of the debit transaction account at a predetermined timing. Is a technology that automatically transfers money to a debit trading account.

Prior art (2): Japanese Patent Laid-Open No. 06-0522
No. 11 bulletin This technology relates to account management for each customer, records the past history necessary for account management for each customer, and from that record, automatically designs transfers between various accounts according to the situation, and It is a technology that calculates interest and risk for automatically designed transfers, selects the most advantageous transfer based on the results, and automatically executes it.

Prior art (3): JP-A-10-1718
No. 99 bulletin This technology manages transfer data such as transfer date / whether transfer could be executed on the past transfer date, transfer amount, etc. for each account to be transferred, and the transfer data and the balance of the corresponding account When the requested amount of money is paid and it is determined that the scheduled transfer cannot be performed later, this is notified to the customer and attention is paid so that the balance exceeds the transferred amount.

[0006]

However, the above-mentioned conventional techniques have various problems. In the conventional technique (1), when the balance is less than a certain value, the deposit is automatically transferred, so that the funds are transferred without the user's knowledge, and the user is worried about safe operation. There is a problem of remaining. In the conventional technique (2), when the balance of the ordinary deposit account is accumulated, the funds are automatically shifted to the fixed account, and there is a problem that the user himself / herself does not agree to the prior confirmation. In the conventional technology (3), the balance of the transfer account and the withdrawal amount (card transaction) are calculated, and when the balance becomes small, it is only a technology to display an alarm to the user, and the transfer of funds is done by the user himself. There is a problem that it must be done.

Considering the problems relating to credit debit including the above-mentioned problems of the prior art, for example, when the main account is used as a credit debit account, an unexpected debit occurs due to an accident due to the stolen credit number or the like. However, there is a problem that it is hard to notice it. However, just creating a small account for credit withdrawal may result in a problem that you may not be able to withdraw due to insufficient balance. In addition, even if you use the conventional technology that automatically transfers funds from the main account to the small account so as not to run out of balance,
With conventional technology that does not ask the user to confirm the transfer of funds,
There is a problem that the funds are automatically transferred even if the user does not want to transfer the funds.

The present invention solves the above problems and automatically transfers funds from a main account so that a small amount account, which is a credit withdrawal account, will not run out of balance when a credit is debited at a financial institution. The purpose is to enable the user to confirm the transfer of funds.

[0009]

In order to solve the above-mentioned problems, the present invention first provides a main account for ordinary transactions and a small account for the purpose of using credits at a financial institution, and credits are provided in the small accounts. Create a course for each company. Then, the usage limit standard amount (upper limit of the balance of the subject) and the minimum standard balance (minimum standard of the balance of the subject) are set for each subject, and the balance is managed for each subject. When there is a request for withdrawal from the credit company, the withdrawal will be made only from the balance of the subject corresponding to that credit company.

Upon receipt of a notice of withdrawal from the credit company, the device for executing the transaction processing method of the present invention (hereinafter referred to as transaction processing device) checks whether the current balance of the subject is less than the minimum standard balance, If the number is too small, the credit contractor (user, user terminal) will receive transaction details information (detail information such as credit withdrawal) of the relevant subject and confirmation of transfer of funds (from the main account to the relevant subject of the small account, the funds will be paid). Confirmation notice of whether or not to move) is sent by e-mail or the like.

The user (user terminal) who has received the e-mail or the like confirms the transaction statement information and responds to the fund transfer confirmation notification with "OK" when transferring the fund,
Reply "NG" when the money is not transferred.

The transaction processing device receives a reply from the user (user terminal), transfers the funds from the main account to the small account in the case of "OK", and transfers the funds in the case of "NG". Do not move. The amount of money transfer when "OK" is the difference between the usage limit standard amount and the current balance of the subject. As a result, when the transfer of funds is completed, the usage limit standard amount of the balance of the subject is always full.

The amount of money to be transferred may be set in advance, and the amount of money to be transferred may be transferred instead of the difference between the usage limit reference amount and the current balance. The amount of money to be transferred may be specified in response from the terminal, and the amount of money to be transferred may be transferred instead of the difference between the usage limit reference amount and the current balance.

Further, even if the transaction processing device monitors the timer and the credit company does not notify the withdrawal,
The transaction processing relating to the transfer of funds may be executed periodically.

Even if there is no notice of withdrawal from the credit company, if there is an e-mail requesting the transfer of funds from the user (user terminal), the subject immediately designated by the user (user terminal). You may be able to transfer funds to.

Further, in the above transaction processing, when the funds are transferred with the agreement of the user's e-mail or the like, points are given to the user every time the funds are transferred, and some service using the points is provided. You may be able to do it. Every time the above funds are transferred, points are given to the user, and by introducing a system that allows the user to receive the service at the accumulated points, the advantages such as the increase in the number of users and the number of trading accounts can be obtained. Occurs on the engine side,
The user has the advantage of receiving some kind of supplementary service.

[0017] Further, the user and the financial institution make an agreement on the subject category in advance, and determine the usage limit standard amount and the minimum standard balance amount for each subject, and set them as small account management information. Upon receiving the withdrawal notification from the credit company, obtain transaction detail information from the credit company, select the relevant subject according to the content of the transaction detail information, and transfer funds with the user's agreement from the relevant subject. You can also

[0018]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is a diagram showing a configuration example of a transaction processing apparatus for implementing the transaction processing method of the present invention. In a financial institution system 1 equipped with various processing devices in a financial institution,
A transaction processing device 10 for implementing the present invention is installed.
The transaction processing device 10 is a computer or a group of computers including a CPU and a memory, and a withdrawal notification input unit 11, a current balance check unit 12, a fund transfer confirmation unit 13, a fund transfer processing unit 14, and a timer, which are configured by software programs and the like. The monitoring unit 17 is provided. It also has a small account database 15 for managing accounts and a main account database 16. The fund transfer confirmation unit 13 has a function of communicating with the user terminal 2 by e-mail or the like via the network 3 such as the Internet.

[First Embodiment] In the small account database 15, small account management information is provided in addition to the information related to a user's normal small account. FIG. 2 is a diagram showing an example of small account management information. In the figure, all the units of numbers are "yen". Within a single small account, subjects are classified by credit company with which the user has a contract.
For each subject, the credit company corresponding to that subject, the current balance that is the actual balance of that subject, the predetermined usage limit standard amount of that subject, and the minimum standard balance that is the minimum standard of the balance of that subject Information is recorded. If there is a withdrawal from each subject of the small account, the small account management information is also updated. The main account database 16 records information about the user's normal main account.

Upon receipt of a withdrawal notification from the credit company, the withdrawal notification input unit 11 issues an instruction to the current balance check unit 12 to check the current balance of the relevant credit company. Here, the withdrawal notification from the credit company includes transaction detail information which is credit transaction information of the user.

Upon receiving an instruction from the withdrawal notification input unit 11, the current balance check unit 12 refers to the retail account management information in the retail account database 15 and compares the current balance of the subject of the corresponding credit company with the minimum standard balance. To do.
If the current balance is below the minimum standard balance as a result of the comparison, the fact is notified to the fund transfer confirmation unit 13.

If the current balance of the applicable subject is below the minimum standard balance, the fund transfer confirmation unit 13 transfers the funds from the main account to the relevant account of the small account together with the transaction statement information entered in the withdrawal notification input unit 11. A fund transfer confirmation notification, which is a confirmation notification of whether or not to transfer, is transmitted to the user terminal 2 by e-mail or the like. When a reply of “Moving fund” is received from the user terminal 2, the fact is notified to the money transfer processing unit 14.

The money transfer processing unit 14 is a money transfer confirmation unit 1.
When receiving the notification of fund transfer “OK” from 3, the difference between the current balance of the relevant subject and the reference amount of use limit is calculated with reference to the small account management information of the small account database 15, and the difference is calculated from the main account. An instruction is issued to the management unit (not shown) of the small account database 15 and the main account database 16 to transfer the funds to the corresponding subject of the account. afterwards,
The small account management information of the small account database 15 is updated.

In the present embodiment, the processing relating to the actual withdrawal from the small account to the account of the credit company in response to the withdrawal request from the credit company is performed in the same manner as in the conventional art, and therefore the description of the deduction processing will be given here. Omit it.

FIG. 3 is a transaction processing flowchart in the present invention. First, the debit notice input unit 11 inputs a debit notice from the credit company (step S
10), the current balance check unit 12 compares the minimum standard balance of the subject corresponding to the credit company in the small account management information with the current balance (step S11), and if the current balance is not smaller (step S12), The process ends.

If the current balance is smaller (step S
12), the fund transfer confirmation unit 13 transmits the transaction statement information of the subject and the fund transfer confirmation notification to the user terminal 2 (step S13), receives a reply from the user terminal 2 (step S14), and the reply is " If it is "NG (no good)" (step S15), the processing is ended without moving the funds (step S16).

When the user's reply is "OK" (step S15), the fund transfer processing unit 14 transfers the fund of the difference between the usage limit reference amount and the current balance from the main account to the corresponding account of the small account. (Step S17), the small account management information is updated accordingly (step S18), and the process ends.

In the present embodiment, the transaction processing may be executed by the debit notification from the portion of the financial institution system that actually performs the debit processing, instead of directly receiving the debit notification from the credit company.

FIG. 4 is a diagram showing an example of small account management information before and after transaction processing. Here, an example in which the transaction processing is performed by a debit notice from the credit company will be described. In addition, the units of the numbers in the figure are all "yen". FIG. 4A is an example of small account management information before transaction processing. When the withdrawal notification input unit 11 inputs a withdrawal notification from the a credit company, the current balance check unit 12 causes the A account company corresponding to the a credit company of the small account management information (the portion surrounded by a thick frame in the figure). ), The current balance 12,000 yen and the minimum standard balance 20,
Confirm that the current balance is below the minimum standard balance by comparing with 000 yen.

The fund transfer confirmation unit 13 sends transaction detail information of the credit company a and a transfer notification of fund transfer to the user terminal 2 and receives a reply thereto. In this example, it is assumed that the reply is "OK". Fund transfer processing unit 14
Transfers the difference of 188,000 yen from the main limit of 200,000 yen of the A subject and the current balance of 12,000 yen to the A account of the small account from the main account, and the balance of the A subject is 200,000. Let it be a circle. In line with this, the current balance of the A account of the small account management information is updated to 200,000 yen. FIG. 4B is an example of the retail account management information after the transaction processing.

[Second Embodiment] It is also possible to execute the transaction processing periodically even without the withdrawal notification from the credit company. In FIG. 1, the timer monitoring unit 1
7 issues an instruction to the current balance check unit 12 to compare the current balance with the minimum reference balance for each set fixed period. In this case, the current balance check unit 12 compares the current balance and the minimum standard balance for all the subjects. In addition, the fund transfer confirmation unit 13 transmits a fund transfer confirmation notification for all the subjects whose current balance is below the minimum reference balance, and the fund transfer processing unit 14 transfers funds for all the subjects for which “OK” is answered. Moving. Other processes are the same as those in the first embodiment.

[Third Embodiment] FIG. 5 is a transaction processing flowchart when a request is made from a user terminal. Even if there is no debit notice from the credit company,
It is also possible to execute transaction processing at the request of the user. In this case, whether or not the current balance is below the minimum standard balance is not taken into consideration.

First, the fund transfer confirmation unit 13 sets the user terminal 2
Upon receipt of a request for fund transfer specifying a subject in a small account from the main account (step S20), the fund transfer processing unit 14 transfers the funds of the difference between the usage limit reference amount and the current balance from the main account to the corresponding subject of the small account. (Step S21), and the small account management information is updated accordingly (step S2).
2). Finally, the fund transfer confirmation unit 13 notifies the user terminal 2 that the transfer of funds has been executed (step S23), and the process ends. Other processes are the same as those in the first embodiment.

[Fourth Embodiment] FIG. 6 is a diagram for explaining the point giving process in the present invention. The point granting unit 18 is connected to the fund transfer processing unit 14 in the transaction processing apparatus 10 of FIG. 1, and the point granting unit 18 accesses the point information storage unit 19 to collect points for service to users. Update. The point information storage unit 19 stores point information that records points for each user.

When there is a transfer of funds due to transaction processing,
The fund transfer processing unit 14 notifies the point granting unit 18 to that effect. The point giving unit 18 reads the point information from the point information storage unit 19, adds the point value defined in advance to the corresponding user to update the point information, and updates the point information to the point information storage unit 19, Remember by overwriting.

This point information is used when the financial institution provides the user with some service (discount service, prize, user present, etc.) according to the accumulated points. As a result, the use of the transaction processing method can be promoted, and the service can be improved and the processing can be facilitated when the credit is withdrawn. Other processes are the same as those in the first embodiment.

[Fifth Embodiment] In the above-described embodiment, the small accounts are classified by each contract credit company into subjects that can be withdrawn only by the corresponding credit company. It is also possible to assign a plurality of small account subjects according to the contents of the transaction details. FIG. 7 shows an example of the retail account management information in the present embodiment. There may be only one credit company.

In this case, the user and the financial institution make an agreement on the subject category in advance, and also determine the use limit reference amount and the minimum reference balance amount for each subject, and manage the small account as shown in FIG. As information, the usage limit standard amount and the minimum standard balance amount are set for each subject. At the time of the withdrawal notification from the credit company, the transaction detail information is obtained from the credit company, the corresponding subject is selected according to the contents of the transaction detail information, and the withdrawal is performed from the subject. Others perform transaction processing equivalent to that of the first embodiment.

The processing according to the above embodiments can be realized by a computer and a software program, and the program is stored in an appropriate recording medium such as a computer-readable portable medium memory, a semiconductor memory, a hard disk. Can be stored. The present invention is a technique relating to the transfer of funds from a main account to a small account, and since the credit withdrawal process itself is well known, a detailed description of that part is omitted.

The features of the present embodiment are listed below.

(Supplementary Note 1) A transaction processing method for credit withdrawal in a financial institution, in which an item corresponding to a credit company is provided in a small account prepared for credit withdrawal, and is determined in advance for each item. If the current limit is less than the minimum standard balance amount in the transaction processing, the credit limit is transacted to the account contractor from the financial institution. We will send detailed information and inquiry information as to whether or not to transfer funds from the main account to the relevant account of the small account, and with the agreement of the account contractor,
A transaction processing method characterized in that funds are transferred from a main account to a corresponding subject in a small account.

(Supplementary Note 2) In the transaction processing method according to Supplementary Note 1, when performing the transfer of funds, a difference between the usage limit reference amount of the subject and the current balance of the subject is calculated, and the difference is the main amount. A transaction processing method characterized by transferring from an account to a corresponding subject in a small account.

(Supplementary Note 3) In the transaction processing method described in Supplementary Note 1, when a credit company issues a debit notice, the financial institution automatically associates the subject of the small account of the account contractor. A transaction processing method characterized by extracting.

(Supplementary note 4) In the transaction processing method according to supplementary note 1, when the account contractor refuses to send the inquiry information from the financial institution to the account contractor, the funds are not transferred and a separate account is set up. When a notice of request for transfer of funds from the contractor is received, the difference between the usage limit standard amount of the specified applicable item and the current balance of the item is calculated, and the difference is calculated from the main account to the small account. A transaction processing method characterized in that the transaction is transferred to.

(Supplementary note 5) In the transaction processing method described in supplementary note 1, when the financial institution system regularly monitors the timer and the current balance of the subject is below the usage limit standard amount, the account contractor Inquiry information about whether to transfer funds from the main account to the corresponding subject of the small account is sent to the main account, and after obtaining the agreement of the account contractor, the funds are transferred from the main account to the corresponding subject of the small account. Transaction processing method.

(Supplementary Note 6) A transaction processing method for credit withdrawal at a financial institution, in which a small account prepared for credit withdrawal is classified by subject, and a predetermined limit of usage limit and The minimum standard balance amount, which is the minimum standard of the balance, is set, and at the time when the credit company gives a notice of withdrawal, transaction detail information is obtained from the credit company, a subject is selected according to the content of the transaction detail information, and the subject If the current balance of the account is less than the minimum standard balance, inquiry information from the financial institution to the account contractor whether to transfer the funds from the main account to the corresponding item of the small account together with the credit statement details information. Transaction processing, which transfers the funds, obtains the agreement of the account contractor, and transfers funds from the main account to the relevant subject of the small account. Law.

(Supplementary Note 7) In the transaction processing method according to any one of Supplementary Notes 1 to 6, point information that can be converted into a service provided by a financial institution for each account contractor is accumulated, and A transaction processing method characterized in that a predetermined point value is automatically added to the point information of the account contractor to whom the funds are transferred, each time the transfer is performed.

(Supplementary Note 8) A transaction processing system for credit withdrawal in a financial institution, wherein a small bank account prepared for credit withdrawal is provided with a subject corresponding to a credit company, and each subject is predetermined in advance. A storage means for small account management information in which the minimum reference balance amount, which is the minimum reference amount and the minimum reference balance amount set, a means for inputting a credit withdrawal notification, and the current balance is lower than the minimum reference balance If the current balance is below the minimum standard balance amount, the financial institution will ask the account contractor
Along with the credit statement details information, it sends inquiry information about whether or not to transfer funds from the main account to the relevant subject of the small account, and a method of obtaining agreement from the account contractor, and when obtaining the agreement of the account contractor. A transaction processing system comprising means for transferring funds from a main account to a corresponding subject of a small account.

(Supplementary Note 9) A transaction processing system for credit withdrawal in a financial institution, in which a small account prepared for credit withdrawal is classified by subject, and a predetermined limit of use limit and A means for storing small account management information in which the minimum standard balance amount, which is the minimum standard for the balance, is set, a means for inputting a credit withdrawal notification, and a means for confirming whether or not the current balance is lower than the minimum standard balance. If the current balance is less than the minimum standard balance, whether the financial institution will transfer to the account contractor from the main account to the relevant account of the small account together with the credit transaction details information. A means of sending inquiry information and obtaining agreement from the account contractor, and from the main account to the small account when the agreement of the account contractor is obtained. Transaction processing system characterized in that it comprises means for transfer money to the appropriate item.

(Supplementary Note 10) A transaction processing program for causing a computer to execute the steps for realizing the transaction processing method described in any one of Supplementary Notes 1 to 7.

(Supplementary note 11) A transaction processing program recording, characterized in that a program for causing a computer to execute the steps for realizing the transaction processing method described in any one of supplementary notes 1 to 7 is recorded. Medium.

[0052]

As described above, according to the present invention, regarding the transfer of funds between the credit debit small account and the main account which are in credit alliance, the current balance of the small account is less than the minimum standard balance that has been agreed in advance. In such a case, the financial institution inquires from the financial institution side to the user by e-mail or the like by transaction detail information and the fund transfer confirmation notification whether or not to transfer the funds, and the user's e-mail reply is OK. Only, the funds are transferred from the main account to the small account up to the predetermined limit of usage limit, and if the reply from the user's e-mail etc. is NG, the users are relieved by not transferring the funds. Account maintenance can be left to the financial institution side.

Further, the notification from the financial institution side is not a notification of whether or not the funds are transferred due to a mere lack of balance, and transaction detail information is also sent together, so that the user can confirm the details of the transaction detail information. You can check whether or not you are the one who made the transaction, which enables quick response on the spot.

Further, since the small account is divided into subjects for each credit company and managed, even if the credit number is stolen and debited without the knowledge of the credit contractor, the use of each subject It is possible to stop the damage within the limit standard amount, and to easily know which credit company's number was stolen. For this reason, the stolen credit number will never go unnoticed.

Further, since the usage limit standard amount is arranged in advance for each subject, the user can easily keep track of the amount of money to be transferred, which brings about an effect that transactions can be carried out with peace of mind.

[Brief description of drawings]

FIG. 1 is a diagram showing a configuration example of a transaction processing apparatus for carrying out the method of the present invention.

FIG. 2 is a diagram showing an example of small account management information.

FIG. 3 is a transaction processing flowchart in the present invention.

FIG. 4 is a diagram showing an example of small account management information before and after transaction processing.

FIG. 5 is a transaction processing flowchart when a request is made from a user terminal.

FIG. 6 is a diagram illustrating a point giving process according to the present invention.

FIG. 7 is a diagram showing another example of small account management information.

[Explanation of symbols]

1 financial institution system 10 Transaction processing device (CPU / memory) 11 Withdrawal notification input section 12 Current balance check section 13 Fund transfer confirmation department 14 Funds Transfer Processing Department 15 small account database 16 Main Account Database 17 Timer monitoring unit 18 points 19 point information storage 2 user terminals 3 network

   ─────────────────────────────────────────────────── ─── Continued front page    (72) Inventor Yasunao Izaki             4-1, Kamiodanaka, Nakahara-ku, Kawasaki-shi, Kanagawa             No. 1 within Fujitsu Limited (72) Inventor Shunji Sakane             4-1, Kamiodanaka, Nakahara-ku, Kawasaki-shi, Kanagawa             No. 1 within Fujitsu Limited (72) Inventor Katsumi Ide             4-1, Kamiodanaka, Nakahara-ku, Kawasaki-shi, Kanagawa             No. 1 within Fujitsu Limited F-term (reference) 3E040 CA14 EA01

Claims (5)

[Claims] 1. A transaction processing method for credit debiting in a financial institution, wherein a credit card company is provided with a subject corresponding to a credit company in a small account prepared for credit debiting, and a predetermined use is made for each subject. If the minimum standard balance amount that is the minimum standard amount and the minimum standard amount of balances is set and the current balance becomes less than the minimum standard balance amount in transaction processing, the financial institution informs the account contractor of the transaction details of the credit. At the same time, it sends inquiry information as to whether or not to transfer funds from the main account to the corresponding subject of the small account, and after obtaining the agreement of the account contractor, transfers the funds from the main account to the corresponding subject of the small account. Transaction processing method. 2. The transaction processing method according to claim 1, wherein
If the account contractor refuses to send the inquiry information from the financial institution to the account contractor, the funds are not transferred, and if the notification of the request for fund transfer from the account contractor is received separately, the designation is made. A transaction processing method characterized by calculating the difference between the usage limit standard amount of the applicable subject and the current balance of the subject, and transferring the difference amount from the main account to the relevant subject of the small account. 3. A transaction processing method for credit debiting in a financial institution, wherein a small account prepared for credit debiting is classified by subject, and a usage limit standard amount and a balance determined in advance for each subject are classified. The minimum standard balance amount, which is the minimum standard, is set, and at the time of notification of withdrawal from the credit company, the transaction detail information is obtained from the credit company, the subject is selected according to the content of the transaction detail information, and the current state of the subject. If the balance becomes less than the minimum standard balance, the financial institution
Send inquiry information as to whether or not to transfer funds from the main account to the relevant item of the small account together with the credit transaction details information, obtain the agreement of the account contractor, and transfer the fund from the main account to the relevant item of the small account. A transaction processing method characterized by carrying out. 4. A transaction processing system for credit debit in a financial institution, wherein a credit card company has a subject corresponding to a credit company in a small account prepared for credit debit, and each subject is predetermined. Storage means for small-lot account management information in which the minimum limit balance amount and the minimum standard balance amount that is the minimum standard amount of balance are set, a means for inputting a credit withdrawal notification, and whether the current balance is lower than the minimum standard balance If the current balance is below the minimum standard balance, the financial institution will transfer the account details to the account contractor from the main account to the corresponding item in the small account together with the credit transaction details information. A method of sending inquiry information as to whether or not to do so and obtaining the agreement from the account contractor, and the method for obtaining the agreement from the account A transaction processing system comprising means for transferring funds from an in-account to a corresponding subject in a small account. 5. A transaction processing system for credit withdrawal in a financial institution, wherein a small account prepared for credit withdrawal is classified by subject, and a usage limit standard amount and balance predetermined for each subject are set. A storage means of small account management information in which the minimum standard balance amount which is the minimum standard is set, a means for inputting a credit withdrawal notification, a means for confirming whether or not the current balance is lower than the minimum standard balance, If the current balance is less than the minimum standard balance, inquiry information from the financial institution to the account contractor regarding whether or not to transfer funds from the main account to the relevant account of the small account together with the credit statement details information. To obtain agreement from the account contractor and, if the agreement of the account contractor is obtained, the corresponding course from the main account to the small account And a means for transferring funds to the transaction processing system.