JP2003271826A - Automatic payment processing system, computer, computer program, and automatic payment processing method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an automatic payment service that taker user's intention as first priority. <P>SOLUTION: In an automatic payment processing system, an automatic teller machine (ATM) 5 and a host computer 1 are connected through a network 4. The ATM 5 is provided with an ATM display device 24 for specifying payment priority order for payment destination from payment origin. The host computer 1 is provided with data base 13 capable of storing the priority order 37c specified by the ATM display device 24 and a setting processing part 31 for setting the priority order 37c as automatic payment contract information 33 by corresponding to information of payment destination. <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 an automatic withdrawal processing system, a computer, a computer program and an automatic withdrawal processing method for realizing an automatic withdrawal service in a financial institution, for example.

[0002]

2. Description of the Related Art Today, automatic withdrawal services in financial institutions have become widespread. This automatic withdrawal service
It is a service that automatically transfers the payment of monthly payments such as public services and taxes from the account of the financial institution to the account of the service provider.

In such an automatic withdrawal service, account transfer cannot be performed unless the balance of the account of the financial institution of the self is larger than the total amount of payment for automatic withdrawal.
Therefore, if the account balance on the designated day of automatic withdrawal is insufficient, payment of money to the service provider will be delayed.

In order to improve such a situation that an account cannot be withdrawn due to a shortage of account balance, for example, Japanese Patent Laid-Open No. 2000-1
A technology relating to an automatic transfer system is disclosed in Japanese Patent No. 94786. With this technology, the transfer operation can be restarted immediately when there is a deposit that can be withdrawn, so even if the scheduled automatic withdrawal date and the account deposit date are around, it is possible to perform the automatic transfer at the time of deposit. .

By the way, since payments for public services and the like are concentrated at the end of the month or the like, payments to a plurality of business owners due to automatic withdrawal may overlap on the same day. In this case, even if the user intends to secure a sufficient account balance, the total payment amount on the payment date may be larger than expected, and the account balance may unexpectedly become insufficient.

In such a case, however, in the above-mentioned conventional technique, the automatic withdrawal is performed according to the payable order among a plurality of business owners, and it is not possible to perform the payment in consideration of the user's intention. It was

[0007]

As described above, the conventional automatic withdrawal system has a problem that it is not possible to transfer an account based on the intention of the user.

The present invention has been made to solve such a problem, and is an automatic withdrawal processing system, a computer, and an automatic withdrawal processing system capable of performing automatic withdrawal in which the user's intention is prioritized.
It is intended to provide a computer program and an automatic withdrawal processing method.

[0009]

In order to achieve the above-mentioned object, the invention according to claim 1 is at least 1 in a host computer that executes a process of accepting a payment request from a payee to a payment source and deducting it from a corresponding account. Payee information storage means for storing information of one payee and information indicating a payment priority order set by an instruction from the payer in association with each payee, and an account balance storing the account balance of the payer Based on the storage means and the priority of the payee stored in the payee information storage means and the account balance of the payment source stored in the account balance storage means when a payment request is made from the payee. And a determination means for determining whether or not payment is possible.

According to a second aspect of the present invention, in the host computer that executes the process of accepting the payment request from the payee to the payer and deducting the payment request from the corresponding account, the priority order of payment is indicated in association with the information of at least one payee. Payee information storage means capable of storing information, designating means for designating a payment priority order from the payment source to the payee, and payment priority designated by the designating means in correspondence with information of the corresponding payee. And priority setting means for setting the destination information storage means.

According to a third aspect of the present invention, in the host computer that receives the payment request from the payee to the payer and withdraws the payment request from the corresponding account, the priority order of payment is indicated in association with the information of at least one payee. Payee information storage means capable of storing information, designating means for designating a payment priority order from the payment source to the payee, and payment priority designated by the designating means in correspondence with information of the corresponding payee. Priority order setting means set in the destination information storage means, account balance storage means for storing the account balance of the payment source, and when a payment request is made from the payment destination,
The payment destination information storage unit includes a determination unit that determines whether or not payment is possible based on the priority of the payment destination stored in the payment destination information storage unit and the account balance of the payment source stored in the account balance storage unit.

According to a fourth aspect of the present invention, in the host computer according to the first aspect of the invention, the determination means confirms whether or not there is a payee whose priority is higher than the priority of the payee who has made the payment. As a result of confirmation by the confirmation means and the confirmation means, if there is a payee having a higher priority than the priority of the payee who made the payment request, the account balance of the payment source and the payment request have been made. The comparison means for comparing the payment amount to the payee and the sum of the payment amounts to the higher priority payees, and the result of the comparison by the comparison means, the sum of the payment amounts is larger than the account balance of the payment source. If the number of payments is small, the payment determination means determines that payment to the payee who made the payment request is possible.

According to a fifth aspect of the present invention, in an automatic withdrawal processing system in which an automatic cash deposit and payment apparatus and a host computer are connected via a network, the automatic cash deposit and payment apparatus is a payment priority order from a payment source to a payment recipient. And a payee information storage means capable of storing information indicating the priority order of payment in association with at least one payee information, and the host computer specifies the payee information storage means. And a priority setting means for setting the payment priority in the payee information storage means in association with the information of the payee.

According to a sixth aspect of the present invention, there is provided a computer program for causing a computer to execute a process of accepting a payment request for a payment source from a payee and deducting the payment request from a corresponding account, wherein the computer stores information on at least one payee and each Payment destination information storage means for storing information indicating the payment priority order set by an instruction from the payment source corresponding to the payment destination, account balance storage means for storing the account balance of the payment source, and the payment destination When there is a payment request, determination means for determining whether or not payment is possible based on the priority of the payee stored in the payee information storage means and the account balance of the payer stored in the account balance storage means. To function as.

According to a seventh aspect of the present invention, there is provided a computer program for causing a computer to execute a process of accepting a payment request for a payment source from a payment destination and deducting the payment request from a corresponding account, the computer corresponding to information of at least one payment destination. Payee information storage means capable of storing information indicating the priority order of payment, designating means for designating the payment priority order from the payment source to the payee, and the payment priority order designated by the designating means corresponding to the payee. The priority order setting means is set in the payee information storage means in association with the information.

The invention according to claim 8 is an automatic withdrawal processing method, wherein a computer accepts a payment request from a payee to a payment source and withdraws the payment request from a corresponding account. Information on at least one payee and each payment are provided. A computer stores information indicating the payment priority set in correspondence with the instruction from the payment source in advance, and the computer stores the account balance of the payment source,
When there is a payment request from the payee, the computer determines whether payment is possible based on the stored payment priority and the account balance.

According to a ninth aspect of the present invention, there is provided an automatic withdrawal processing method in which a computer accepts a payment request from a payee to a payer and debits the payee from the corresponding account, and the payment priority order from the payer to the payee is calculated by the computer. And a step in which the computer stores the input payment priority order in association with information of a corresponding payee.

According to a tenth aspect of the present invention, there is provided an automatic withdrawal processing method in an automatic withdrawal processing system in which an automatic teller / payment apparatus and a host computer are connected via a network. The computer has a step of inputting from the cash automatic deposit payment apparatus to a host computer, and a step of causing the computer to store the payment priority inputted from the cash automatic deposit payment apparatus in association with information of a corresponding payee.

In the present invention, the payment priority is designated from the payment source to the payment destination, and whether or not payment is possible is determined based on the payment priority and the account balance of the payment source. It enables the provision of automatic withdrawal services that give priority to intentions.

[0020]

BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. FIG. 1 is a diagram showing a hardware configuration of an automatic withdrawal processing system according to an embodiment of the present invention.

As shown in FIG. 1, this automatic withdrawal processing system includes a host computer 1, an input device 2, an output device 3, and at least one automatic cash deposit system connected to the host computer 1 via a network 4. It is composed of a payment machine (ATM) 5 and forms a financial institution network.

The host computer 1 comprises a computing device 11
And a storage device 12 and a database 13. The arithmetic unit 11 has a function of executing the processing of this automatic withdrawal processing system. The storage device 12 is, for example, a read-only memory (ROM) or a random access memory (RAM), and the storage device 12 stores a computer program that executes the automatic withdrawal processing system and temporary data related to the processing. . Database 1
3 is built in a hard disk device, for example, and stores a customer ledger 14, a business unit master 15, and the like. The customer ledger 14 is data in which information on accounts of users who use the automatic withdrawal service is arranged in units of users. The business owner unit master 15 is data in which information on business owners who receive payment by the automatic withdrawal service is organized by business owner.

The input device 2 has a function of giving instructions and information to the host computer 1 and is, for example, a keyboard, a mouse, a media reproducing device such as a CD-ROM, or the like.

The output device 3 has a function of outputting the processing result in the host computer 1 and is, for example, a display device such as a CRT or a printer.

The network 4 is a communication network connecting the head office / branch of a financial institution and another financial institution, and has a function of transmitting data by a protocol such as the Zengin procedure.

The ATM 5 is provided with an operation unit for input operation by the user, and a display unit for displaying operation contents and operation results, and is an interface for the user to deposit or transfer money to his or her own account. It is a terminal.

The host computer 1, the input device 2 and the output device 3 are installed in a financial institution or the like. A staff member of the financial institution or the like operates the input device 2. AT
M5 is installed not only in financial institutions but also in streets and shops. A user of the financial institution operates the ATM 5. Here, the "user" is an individual who has an account at the financial institution and pays money by the automatic withdrawal service,
A corporation, an organization, etc., and an "entrepreneur" means an individual, a corporation, an organization, etc. who receives payment from the automatic withdrawal service.

The ATM 5 will now be described with reference to FIG. FIG. 2 is an external view showing an example of the ATM 5. As shown in FIG. 2, an operation console operated by a user is provided on the front surface of the ATM 5. The operation console is provided with a user operation unit 21. This user operation unit 21
The banknote handling port 2 that can put a large number of banknotes in a batch
2, a bill handling port 22 is provided with a door 23 that can be opened and closed.

The user operation unit 21 has an ATM display device 2 having a transparent touch sensor panel mounted on its display surface.
4 are provided. On the display surface of the ATM display device 24, operation procedures and other information are displayed by characters, wording, illustrations or image information. The user touches the part of the touch sensor panel corresponding to the display part of characters such as numbers, katakana, alphabets, confirmation or cancellation with his / her finger, and the identification number, amount, account number, approval, confirmation or cancellation of transaction, etc. , Desired information can be input.

In the user operation section 21, personal identification information such as an account number for identifying the user is recorded on the magnetic stripe (M
A card reading device 25 into which a cash card recorded in S) and the like, and a transfer information card in which the name and account number of the transfer destination are described, and a passbook handling slot 26 into which a magnetic passbook or a transfer card is inserted are provided. , Receipt receiving port 27 from which a receipt (specification) on which transaction details are printed is discharged
And a coin slot 28 into which a large number of coins can be put together
And a coin receiving port 29 through which coins such as change are discharged.

Next, the functional configuration of the automatic withdrawal processing system will be described with reference to FIG. FIG. 3 shows a host computer 1 and an ATM 5 as an automatic withdrawal processing system.
It is a figure which shows the function of.

As shown in FIG. 3, the host computer 1
Has an automatic withdrawal processing unit 30, a setting processing unit 31, and a database 13. The database 13 stores a customer ledger 14, a business owner unit master 15, and the like.

The automatic withdrawal processing section 30 has a function of executing automatic withdrawal processing and the like, and has an arithmetic unit 11 and a storage device 1.
It is realized by 2. The setting processing unit 31 has a function of setting a priority for each business owner in the automatic withdrawal processing, and is realized by the input device 2, the network 4, the ATM 5, the arithmetic device 11, and the storage device 12.

The customer ledger 14 is composed of basic information 32, automatic withdrawal contract information 33, automatic withdrawal request information 34, etc., and is stored in the database 13. The business owner unit master 15 includes business owner information 35 and the like, and is stored in the database 13.

The basic information 32 is user account information, and has information such as an account number 36a, a name 36b, and a balance 36c. The automatic withdrawal contract information 33 is information about the automatic withdrawal that the user has delivered to the financial institution, and includes information such as the business owner number 37a of the payee, the contract type 37b, and the priority order 37c that is the payment priority order between the business owners. Have The automatic withdrawal request information 34 is information generated by the automatic withdrawal processing unit 30 prior to the monthly automatic withdrawal date, and has information such as the expected withdrawal date 38a, the business owner number 38b, and the expected withdrawal amount 38c. ing. Business owner information 3
Reference numeral 5 is business owner information to be paid by the automatic withdrawal service, which includes information such as business owner number 39a, business owner name 39b, and contractor information 39c.

The ATM 5 is an ATM display device 24 having a touch panel as an operation unit and a CRT display unit as a display unit, and a card reading device 25 as a card reading unit.
Have and. Further, the ATM 5 has a function of setting a withdrawal priority in addition to a function as a normal automatic teller machine for depositing or transferring a user's account. This function is provided by the user for the ATM display device 24 and the card reading unit 2.
By designating the user's own account and the business owner targeted for automatic debit through 5 and inputting "1", "2", "3", etc. in the column of the priority of withdrawal, the setting processing unit 31 of the host computer 1 The priority order 37c of the automatic withdrawal contract information 33 is set based on the input.

The operation of this automatic withdrawal processing system will be described below. First, with reference to FIG. 4, a general operation of the automatic withdrawal processing system will be described. FIG. 4 is a flowchart showing the outline operation of the automatic withdrawal processing system.

In the host computer 1, the automatic withdrawal processing section 30 waits for the input or reception of an instruction from the input device 2 or the ATM 5, and when the instruction is input or received, it executes the corresponding processing.

When an instruction for setting the priority order by a new contract of the automatic withdrawal contract is given through the input device 2 or when the user gives an instruction for changing the priority order through the ATM 5 (Yes in step S41. The automatic withdrawal processing unit 30 includes the setting processing unit 31.
To instruct execution of priority setting processing.

The setting processing section 31 instructed to execute the priority order setting process executes the priority order setting process (S4).
2). When the priority setting process is completed, the setting processing unit 31
Returns the processing to the automatic withdrawal processing unit 30.

When the instruction for setting the priority order is not issued (S
No. 41), the automatic withdrawal processing unit 30 maintains the command waiting state.

When an instruction to input the automatic withdrawal request data is received from the input device 2 (Yes in S43), the automatic withdrawal processing section 30 executes a presetting process (S44). When the execution of the preset process is completed, the automatic withdrawal processing unit 30 returns to the command waiting state.

When there is no instruction to input the withdrawal data (S43)
No), the automatic withdrawal processing unit 30 maintains the state of waiting for a command.

When the designated date for the account transfer by automatic withdrawal comes (Yes in S45), the automatic withdrawal processing section 30 executes the automatic withdrawal process (S46). When the automatic withdrawal process is completed,
The automatic withdrawal processing unit 30 returns to the state of waiting for an instruction.

If it is not the designated date for the account transfer by automatic withdrawal (No in S45), the automatic withdrawal processing section 30 maintains the state of waiting for an instruction.

When an instruction to end the process is given from the input device 2 (Yes in S47), the automatic withdrawal processing section 30 ends the process. When the instruction to end the processing is not issued (No in S47), the automatic withdrawal processing unit 30 maintains the command waiting state (S41).

Next, the operation of the setting processor 31 of the host computer 1 will be described in detail with reference to FIG. FIG. 5 is a flowchart showing the operation (priority order setting process (S42)) of the setting processing unit 31 of the host computer 1.

When the automatic withdrawal processing unit 30 gives an instruction to execute the priority order setting process, the setting processing unit 31 asks whether the instruction is due to a new automatic withdrawal setting or the user
It is identified whether the change instruction is directly issued by TM5 (S
51).

When the instruction is based on the new automatic withdrawal setting (Yes in S51), the setting processing unit 31 prompts the input of application information through the display device 3 (S52). This application information is information necessary for setting the automatic withdrawal service, and also includes the withdrawal priority 37c between the business owners who are the subject of the automatic withdrawal.

When application information is input from the input device 2 by a staff member of a financial institution (S52), the setting processing section 31
Based on the application information, the basic information 32 is read from the customer ledger 14 of the database 13, and the application information and the basic information 3
The automatic withdrawal contract information 33 is set based on 2 (S5
3).

After setting the automatic withdrawal contract information 33, the setting processing section 31 subsequently sets the priority order 37c to the data for each business operator included in the automatic withdrawal contract information 33 (S5).
4).

When the setting of the priority order is completed, the setting processing section 31 records the automatic withdrawal contract information 33 in the customer ledger 14 stored in the database 13 and ends the priority order setting process.

When the user directs the change instruction through the ATM display device 24 of the ATM 5 (No in S51), the setting processing section 31 stores the automatic withdrawal contract information 33 of the user in the database 13 It is read from the customer ledger 14 stored in (S55).

When the automatic withdrawal contract information 33 of the user is read out, the setting processing section 31 determines that the user has an ATM of ATM5.
The priority order 37c of the automatic withdrawal contract information 33 is changed based on the priority order information set through the display device 24 (S56).

When the change of the priority order 37c of the automatic withdrawal contract information 33 is completed, the setting processing section 31 records the automatic withdrawal contract information 33 in the customer ledger 14 of the database 13,
The priority setting process ends.

The priority order of automatic withdrawal by the user is 3
The change instruction of 7c may be issued through the ATM display device 24 of the ATM 5, or through the card reading device 25 using an automatic withdrawal card or the like.

In this embodiment, the priority 37c is set only when a new automatic withdrawal contract is set, and the user uses ATM5.
It is supposed that only the priority order 37c can be changed through, but the present invention is not limited to this. For example, the user may set a new priority order through the counter or the ATM 5 for the existing automatic withdrawal contract for which the priority order is not set.

Next, the operation of the automatic withdrawal processing section 30 of the host computer 1 will be described in detail with reference to FIG. FIG. 6 shows the automatic withdrawal processing unit 3 of the host computer 1.
It is a flow chart which shows operation of 0 (pre-setting processing (S44)).

The financial institution or the like receives the automatic withdrawal request data from the business operator through the form or the recording medium, and the staff of the financial institution or the like instructs the automatic withdrawal processing unit 30 to input the automatic withdrawal request data through the input device 2. If there is, the automatic withdrawal processing unit 30 displays a message through the output device 3 to prompt the user to input the automatic withdrawal request data (S61).

When the automatic withdrawal request data is input by the staff member, the automatic withdrawal processing section 30 generates the automatic withdrawal request information 34 based on the input automatic withdrawal request data (S62).

When the automatic withdrawal request information 34 is generated, the automatic withdrawal processing section 30 records the automatic withdrawal request information 34 in the customer account book 14 of the database 13 and ends the presetting process (S63).

Next, with reference to FIG. 7, the operation of the automatic withdrawal processing section 30 of the host computer 1 will be described in detail. FIG. 7 shows the automatic withdrawal processing unit 3 of the host computer 1.
It is a flowchart which shows operation | movement of 0 (automatic withdrawal process (S46)).

When the automatic withdrawal process is started, the automatic withdrawal processing section 30 sets one of the business owners on the same withdrawal date as the business operator to be processed and the automatic withdrawal request information 34 of the business operator to be processed as a database. It is checked whether or not there is the automatic withdrawal request information 34 to be extracted and extracted from the customer ledger 14 of 13 (S71).

As a result of the confirmation, if all the business owners on the same withdrawal date have been processed and there is no automatic withdrawal request information to be processed (No in S72), the automatic withdrawal processing section 30 still leaves the remaining automatic The withdrawal request information 34 is deleted from the customer ledger 14 and the process ends (S73).

As a result of the confirmation, when there is the automatic withdrawal request information 34 of the business owner to be processed (Yes in S72), the automatic withdrawal processing unit 30 determines that the business owners other than the business owners to be processed have the same withdrawal date. All automatic withdrawal request information 34 is extracted (S74).

Automatic withdrawal request information other than the business owner to be processed 3
When 4 is extracted, the automatic withdrawal processing unit 30 refers to the automatic withdrawal contract information 33 and re-extracts the extracted business owners whose priority order 37c is higher than the priority order 37c of the business operator to be processed. , The sum of the withdrawn planned amount of money 38c relating to the re-extracted business owner is calculated (S75). By this operation, the total amount of payment to the business owner having a higher priority 37c than the business operator to be processed is calculated.

When the total amount of payment to the business owner with the high priority 37c is calculated, the automatic withdrawal processing section 30 adds the planned withdrawal amount 38c of the business operator to be processed to the result and the balance of the user. Are compared (S76).

As a result of this comparison, when the calculation result is less than the balance of the user (Yes in S77), the automatic withdrawal processing unit 30 determines that payment can be made to the business operator to be processed, and the account of the user is paid. Is transferred to the account of the business owner to be processed (S78).

When the account is transferred, the automatic debit processing unit 30
Deletes the automatic withdrawal request information 34 related to the business operator to be processed from the customer ledger 14 (S79), and performs the next business operator's processing (S71).

As a result of the balance comparison, if the calculation result is larger than the user's balance (No in S77), the automatic withdrawal processing unit 30 determines that payment to the business operator to be processed is impossible, and other The processing of the processing target business owner is performed (S71).

According to the above operation, when the user's account balance is larger than the sum of the planned withdrawal amount for the business owner having a higher priority than the processing target business owner and the planned withdrawal amount for the processing target business owner, the automatic withdrawal is performed. Is carried out. If the account balance is less than the total, the automatic withdrawal of the business operator to be processed is not performed in order to give priority to the withdrawal to the high priority business operator.

In the present embodiment, the automatic withdrawal request information 34 is deleted for the business owner who has not been automatically withdrawn and payment becomes impossible (S73), but the present invention is not limited to this. In other words, even after the processing of all business owners is completed, the automatic withdrawal processing is continued during the same withdrawal date,
If the balance exceeds the planned withdrawal amount during the withdrawal date due to the user's deposit into the account, automatic withdrawal may be performed at that time.

Next, with reference to FIGS. 7 and 8, the automatic withdrawal process will be specifically described. FIG. 8 shows basic information 3
2. Automatic withdrawal contract information 33 and automatic withdrawal request information 34
Is an example.

As shown in FIG. 8 (a), the user has an account balance 36c of 1,000 yen (81).
As shown in (b), the automatic withdrawal contract is
a), the telephone company (83a) and the waterworks (84a), and the gas company is ranked first (82b), the telephone company is third (83b), and the waterworks is second (84b). ).

As shown in FIG. 8 (c), the planned withdrawal date 38
a is January 25, and the planned withdrawal amounts 38c for gas companies, telephone companies, and waterworks are 500 yen and 1 respectively.
It is 000 yen and 500 yen.

The automatic withdrawal processing section 30 first sets the gas company 82a as the business operator, and extracts the automatic withdrawal request information 34 (S71).

The gas company has not yet processed (S
Yes of 72), the automatic withdrawal processing unit 30 extracts the automatic withdrawal request information 34 of the telephone company 83a and the water supply station 84a, which are other business owners scheduled to be withdrawn on January 25 (S74).

Next, the automatic withdrawal processing unit 30 determines that the telephone company 8
Among 3a and the Waterworks Bureau 84a, the business owner having a higher priority than the priority 37c of the gas company 82a which is the business operator to be treated is re-extracted. Since the priority of the gas company 82a is first (82b), the sum of the high priority withdrawal amount 0 and the planned withdrawal amount 500 (85) of the gas company 82a is 500 (S75).

The automatic withdrawal processing unit 30 has a sum 500 of the planned withdrawal amounts and a balance 36c of 1000 (81).
And are compared (S76). As a result, the balance of 36c is larger and it is possible to withdraw from the gas company (Yes in S77).
s), the payment amount of 500 yen (85) of the gas company is withdrawn from the user's account (S78), and the automatic withdrawal request information 34 for the gas company is deleted (S79). At this time, the balance 36c of the user's account becomes 500 yen.

Subsequently, the automatic withdrawal processing section 30 sets the telephone company 83a as the business operator to be processed and the automatic withdrawal request information 34.
Is extracted (S71).

Since the telephone company 83a has not been processed yet (Yes in S72), the automatic withdrawal processing unit 30 determines that it is January 2
The automatic withdrawal request information 34 of the water supply station 84a, which is another business operator scheduled to be withdrawn on the 5th, is extracted (S74).

Next, the automatic withdrawal processing section 30 re-extracts the business owner with the highest priority. Since the water department 84a has the second highest priority (84b), which is higher than the priority of the telephone company 83a, the planned withdrawal amount of high priority 500 (87) and the planned withdrawal amount of the telephone company 83a of 1000 (86). The sum is 1500 (S75).

The automatic withdrawal processing section 30 compares 1500, which is the sum of the withdrawal amounts, with 500, which is the balance 36c (S76). As a result, since the balance 36c is smaller and it is impossible to withdraw the telephone company (No in S77), the withdrawal is not performed and the process returns to the process of the next business operator (S7).
1).

Thereafter, similar processing is executed. Waterworks Bureau 8
As for 4a, since the automatic withdrawal request information 34 of the gas company 82a having the high priority has already been deleted, the automatic withdrawal processing unit 30 causes the water withdrawal amount 500 (8) of the water department 84a.
7) is compared with the balance 500 (S76). as a result,
Withdrawal is possible (Yes in S77).
The withdrawal for a is carried out (S78).

As described above, according to the automatic withdrawal processing system of this embodiment, the user can set the priorities of withdrawal for a plurality of automatic withdrawal contracts, and bill the same user on the same withdrawal date. When a plurality of requests for different persons are generated, the automatic withdrawal process can be performed based on the priority order based on the intention of the user. That is, it is possible to perform payment based on the priority order that the user intends.

The present invention is not limited to the above embodiment.

In the above embodiment, the change of the priority order 37c by the user is realized by the ATM 5, but the present invention is not limited to this. That is, it may be realized by Web access from the computer connected to the network 4 and installed in the user's home to the host computer. In this case, the user can change and set the priority order of the automatic withdrawal from home.

The software in the above embodiments may be stored in a computer-readable storage medium such as a flexible disk, or may be transmitted as software (program) alone.
In this case, the processing in each embodiment can be performed by the computer reading the software (program) stored in the storage medium or by downloading and installing the software from a site (server) on the LAN or the Internet.

That is, the software (program) in the present invention is not limited to the one stored in the storage medium independent of the computer, but may be the one distributed through a transmission medium such as LAN or Internet.

As the storage medium, in addition to the above flexible disk, for example, a magnetic disk, an optical disk (C
If the storage medium is a computer-readable storage medium capable of storing a program, such as a D-ROM, a CD-R, a DVD), a magneto-optical disk (MO, etc.), a semiconductor memory, etc., the storage format is in any form. May be.

An OS (operating system) running on the computer based on the instructions of the program installed in the computer from the storage medium.
Alternatively, database management software, MW (middleware) such as network software, or the like may execute a part of each processing for realizing the present embodiment.

Further, the storage medium is not limited to a medium independent of the computer, but includes a storage medium in which a program transmitted via a LAN or the Internet is downloaded and stored or temporarily stored. Further, the number of storage media is not limited to one, and a case in which the processing in this embodiment is executed from a plurality of media is also included in the recording medium in the present invention, and the media configuration may be any configuration.

The computer executes each processing in the present embodiment based on the program stored in the storage medium, and is a device such as a personal computer or a system in which a plurality of devices are network-connected. Any configuration such as

Further, the computer is not limited to a personal computer, but also includes an arithmetic processing unit, a microcomputer, etc. included in an information processing apparatus, and is a general term for an apparatus or apparatus capable of realizing the functions of the present invention by a program. .

[0095]

As described above, according to the present invention, since automatic withdrawal is realized based on the priority set and changed by the user, it is possible to provide an automatic withdrawal service that reflects the user's intention. it can.

[Brief description of drawings]

FIG. 1 is a diagram showing a hardware configuration of an automatic withdrawal processing system according to an embodiment of the present invention.

FIG. 2 is an external view showing an example of an ATM in this automatic withdrawal processing system.

FIG. 3 is a diagram showing functions of a host computer and an ATM as the automatic withdrawal processing system.

FIG. 4 is a flowchart showing a schematic operation of this automatic withdrawal processing system.

FIG. 5 is a flowchart showing an operation of a setting processing unit of a host computer in this automatic withdrawal processing system.

FIG. 6 is a flowchart showing an operation of an automatic withdrawal processing section of a host computer in this automatic withdrawal processing system.

FIG. 7 is a flowchart showing an operation of an automatic withdrawal processing unit of a host computer in this automatic withdrawal processing system.

FIG. 8 is a diagram showing an example of basic information, automatic withdrawal contract information, and automatic withdrawal request information stored in a database of this automatic withdrawal processing system.

[Explanation of symbols]

1 ... Host computer, 2 ... Input device, 3 ... Output device, 4 ... Network, 5 ... Automatic teller machine (AT)
M), 11 ... Arithmetic device, 12 ... Storage device, 13 ... Database, 14 ... Customer ledger, 15 ... Business unit master, 2
4 ... ATM display device, 25 ... Card reading device, 30 ... Automatic withdrawal processing unit, 31 ... Setting processing unit, 32 ... Basic information, 3
3 ... Automatic withdrawal contract information, 34 ... Automatic withdrawal request information, 35
… Business owner information.

Claims (10)

[Claims] 1. A host computer that executes a process of accepting a payment request from a payee to a payer and debiting the account from a corresponding account, and setting information of at least one payee and an instruction from the payer corresponding to each payee. Payee information storage means for storing the information indicating the payment priority order, an account balance storage means for storing the account balance of the payment source, and the payee information storage means when a payment is requested from the payee 2. A host computer, comprising: a determination means for determining whether or not payment is possible based on the priority of the payee stored in the account balance and the account balance of the payment source stored in the account balance storage means. 2. A payment capable of storing information indicating a priority of payment in association with information of at least one payee in a host computer that executes a process of accepting a payment request from the payee to the payer and deducting from the corresponding account. Destination information storage means, designation means for designating the payment priority order from the payment source to the payment destination, and the payment priority order designated by the designation means is set in the payment destination information storage means in association with the information of the corresponding payee. And a priority setting means for controlling the host computer. 3. A payment capable of storing information indicating a priority order of payment in association with information of at least one payee in a host computer that executes a process of accepting a payment request from the payee to the payer and deducting from the corresponding account. Destination information storage means, designation means for designating the payment priority order from the payment source to the payment destination, and the payment priority order designated by the designation means is set in the payment destination information storage means in association with the information of the corresponding payee. Priority setting means, account balance storage means that stores the account balance of the payment source, and when the payment destination makes a payment request, the priority order of the payment destination stored in the payment destination information storage means and the A host computer, comprising: a determination unit that determines whether or not payment is possible based on the account balance of the payment source stored in the account balance storage unit. Computer. 4. The host computer according to claim 1, wherein the determination means confirms whether or not there is a payee whose priority is higher than the priority of the payee who made the payment request, As a result of the confirmation by the confirmation means, when there is a payee with a higher priority than the payee with the payment request, the account balance of the payment source and the payment amount for the payee with the payment request If the sum of the payment amounts is smaller than the account balance of the payment source as a result of the comparison by the comparing unit that compares the sum of the payment amounts to the higher priority payees, the payment request A host computer, comprising: a payment determination unit that determines that payment to the payee who has the payment is possible. 5. An automatic withdrawal processing system in which an automatic teller payment apparatus and a host computer are connected via a network, wherein the automatic teller payment apparatus includes a designation means for designating a payment priority order from a payment source to a payment recipient. The host computer is provided with a payment destination information storage unit capable of storing information indicating a payment priority order in association with at least one payment destination information, and the payment priority order designated by the designating unit. An automatic withdrawal processing system, comprising: priority setting means for setting the payment destination information storage means in association with the above information. 6. A computer program for causing a computer to execute a process of accepting a payment request from a payee to a payment source and debiting the account from the corresponding account, wherein the computer is associated with at least one payee information and each payee. A payment destination information storage unit that stores information indicating the payment priority order set by an instruction from the payment source, an account balance storage unit that stores the account balance of the payment source, and a payment request from the payment destination A computer program that functions as a determination unit that determines whether or not payment is possible based on the priority of the payee stored in the payee information storage unit and the account balance of the payer stored in the account balance storage unit. 7. A computer program for causing a computer to execute a process of accepting a payment request for a payment source from a payee and debiting the account from the corresponding account, wherein the computer is associated with information of at least one payee, and the priority order of payment. Payee information storage means capable of storing information indicating, a designation means for designating a payment priority order from the payment source to the payee, and a payment priority order designated by the designating means in association with the information of the corresponding payee. A computer program that functions as priority order setting means set in the payee information storage means. 8. An automatic withdrawal processing method in which a computer accepts a payment request from a payee to a payment source and debits the corresponding account, wherein at least one payee information and payment corresponding to each payee are performed. The computer stores the information indicating the payment priority order set by the instruction from the source, the computer stores the account balance of the payment source, and the payment is stored when the payment is requested by the payee. The method of claim 1, wherein the computer determines whether payment is possible based on the payment priority order and the account balance. 9. An automatic withdrawal processing method, wherein a computer accepts a payment request from a payee to a payer and debits the account from the corresponding account, and a step of inputting a payment priority order from the payer to the payee to the computer. The computer stores the input payment priority in association with information of a corresponding payee, the automatic withdrawal processing method. 10. An automatic withdrawal processing method in an automatic withdrawal processing system in which a cash automatic deposit payment apparatus and a host computer are connected to each other via a network, wherein the payment priority order from a payment source to a payee is the cash automatic deposit payment apparatus. From the host computer to the host computer, and the computer stores the payment priority order input from the automatic teller payment device in association with information of a corresponding payee. .