JP2004054552A - System for dividing remittance and method for requesting divided remittance - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide techniques for reducing transfer fees for different banks and increase the added value of aggregation service. <P>SOLUTION: An application center 1 receives from a cell phone 2 electronic information on a request for main remittance from a remitter's account in bank A to a recipient's account in bank B. When the request for main remittance is received, a remittance engine 15 creates electronic information on a first request for divided remittance from the remitter's account to the recipient's account, including the identification information of the remitter's account, the identification information of the predetermined recipient's account held by a third party, and remittance, and transmits this electronic information to the net banking system 4a of bank A which has the remitter's account. Similarly, the remittance engine creates electronic information on a request for second divided remittance from the remitter's account to the recipient's account, including the identification information of a predetermined remittance account in bank C managed by the third party, the identification information of the recipient's account, and remittance, and transmits this electronic information to the net banking system 4c of bank C which has the remitter's account. <P>COPYRIGHT: (C)2004,JPO

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to online banking for online bank transfer.
[0002]
BACKGROUND OF THE INVENTION
With the spread of the Internet, there is a so-called Internet banking system that provides financial services such as bank transfer online. By using the net banking system, the user can make a transfer without going to a bank. A fee is often charged when transferring to another bank, but as a user, we want to reduce this fee burden as much as possible.
[0003]
In addition, each bank or the like provides an internet banking system with its own system. For this reason, a user who uses Internet banking at a plurality of financial institutions must manage IDs and passwords for each financial institution, which is troublesome. An aggregation service has been proposed as a service for eliminating such inconvenience. The aggregation service is a service that aggregates information of a plurality of Web sites into one Web page and provides the information. Aggregation services are very convenient for users, but adding more value will likely spur adoption.
[0004]
An object of the present invention is to provide a technique for reducing a fee for bank transfer.
[0005]
Another object of the present invention is to increase the added value of the aggregation service.
[0006]
[Means for Solving the Problems]
According to one embodiment of the present invention, a system for dividing one bank transfer into a plurality of bank transfers and executing the same includes a bank account identification information, a bank account identification information, and a transfer amount. Means for receiving electronic information of the main transfer request from the transfer source account to the transfer destination account, identification information of the transfer source account, identification information of a predetermined receiving account in the name of a third party, and the transfer amount Means for generating and transmitting electronic information of a first split transfer request from the transfer source account to the receiving account, and identification information of a predetermined remittance account managed by the third party, Means for generating and transmitting electronic information of a second split transfer request from the remittance account to the transfer account, including identification information of the transfer account and the transfer amount.
[0007]
In a preferred embodiment, the source account and the receiving account are accounts in the same branch of a first bank. Further, the transfer destination account is an account at a second bank different from the first bank, the third party is a third bank, and the remittance account is an account at a third bank. is there.
[0008]
In a preferred embodiment, the electronic information of the first split transfer request is a script for transferring the transfer amount from the transfer source account to the receiving account using an online transfer system provided by a first bank. The electronic information of the second split transfer request is a script for transferring the transfer amount from the remittance account to the transfer destination account using an online transfer system provided by a third bank. Electronic information.
[0009]
According to one embodiment of the present invention, a system for dividing one bank transfer into a plurality of bank transfers and executing the same includes a bank account identification information, a bank account identification information, and a transfer amount. Means for receiving electronic information of the main transfer request from the transfer source account to the transfer destination account, identification information of the transfer source account, identification information of a predetermined third party's receiving account, the transfer amount, Means for generating and transmitting electronic information of a first split transfer request from the transfer source account to the receiving account, and identification information of the predetermined third party remittance account; Means for generating and transmitting electronic information of a second split transfer request from the remittance account to the transfer destination account, including the identification information of the transfer destination account and the transfer amount.
[0010]
In a preferred embodiment, the transfer source account and the receiving account in the third party's name are in the same branch of a first bank, and the transfer destination account and the third party's remittance account are in the first bank. In a different second bank.
[0011]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, an aggregation system that aggregates and provides information of a plurality of Web sites according to an embodiment to which the present invention is applied will be described with reference to the drawings.
[0012]
This system includes an aggregation center 1, a mobile phone 2 used by a user as a terminal, a base station 3 of the mobile phone, and a net banking system 4 (4a, 4b, 4c) provided by a bank. 1, a base station 3, and each net banking system 4 are connected via a network 9 such as the Internet.
[0013]
In the present embodiment, the mobile phone 2 is used as a user terminal that accesses the aggregation center 1 through the base station 3. Therefore, the present system can be realized by replacing the mobile phone with a general-purpose personal computer, a portable personal computer, a PDA (personal data assistant), or other communication device having the same function.
[0014]
The aggregation center 1 is configured by, for example, a general-purpose computer system, and the individual components or functions described below are realized, for example, by executing a computer program.
[0015]
The aggregation center 1 includes a scraping processing unit 11 that obtains predetermined content from another Web site or the like connected to the network 9, a normalization processing unit 12 that normalizes the content obtained by the scraping processing unit 11, A user information storage unit 13 for storing personal information and normalized contents, a plurality of Web pages 14 for providing information to the user or receiving information input from the user, and a transfer instruction to the net banking system 4 And a plurality of transfer engines 15 that perform the transfer.
[0016]
For example, as shown in FIG. 2, the user information storage unit 13 stores registration information 20 of each user registered in advance and aggregation information 30 of each user collected by scraping.
[0017]
The registration information 20 includes information necessary for accessing the acquisition source system of the data to be aggregated. The data items include, for example, a user ID 21 for uniquely identifying a user in the aggregation center 1, a password 22 in the aggregation center 1, and a plurality of registered account information 23. The registered account information 23 includes, for example, a bank code 231, a branch code 232, an account type 233, an account number 234, and a password 235 of the net banking system.
[0018]
The aggregation information 30 stores data collected from each Web site and is updated as needed. The data items include a user ID 31 and a balance 32 of each registered account.
[0019]
The scraping processing unit 11 acquires the registered account information 23 registered in the user information storage unit 13, logs in to the net banking system 4 of each bank based on this, and acquires the balance of each account. For example, the scraping processing unit 11 generates a script file for acquiring desired information such as an account balance from the net banking system 4 of each bank. In the present embodiment, the script is described in, for example, HTML (Hyper Text Markup Language). The scraping processor 11 sends the script file to each net banking system 4 and causes each net banking system 4 to execute the script. Since the net banking system 4 that has received the script file operates according to the script, the scraping processing unit 11 can obtain desired information from each net banking system 4.
[0020]
For example, the normalization processing unit 12 acquires the account balance information acquired by the scraping processing unit 11, normalizes the acquired account balance information into a predetermined format, and stores the information as aggregation information 30 in the user information storage unit 13.
[0021]
The mobile phone 2 is equipped with a Web browser and includes a display unit 2a, and can access various Web sites via the base station 3. Then, when the user operates the mobile phone 2 to access the aggregation center 1, the mobile phone 2 downloads the Web page 14 and displays it on the display unit 2a. The user can operate the mobile phone 2 to download and browse various Web pages 14.
[0022]
A transfer engine 15 corresponding to each net banking system 4 is prepared. Each transfer engine 15 generates a script for activating the corresponding net banking system 4 and executing the transfer.
[0023]
Next, an outline of a process when a bank transfer is requested using the aggregation system having the above configuration will be described.
[0024]
First, the user (Mr. X) requests a transfer from the bank A's own transfer source account 41 to the bank B's transfer destination account 42, as shown in FIG.
[0025]
When receiving the transfer request, the aggregation center 1 divides one received transfer request into two transfer requests. For example, as shown in FIG. 4B, the transfer is divided into a first transfer from the transfer source account 41 to the consolidated account 43 and a second transfer from the remittance account 44 to the transfer destination account 42. Here, the consolidated account 43 is preferably an account at the same branch of the same bank as the transfer source account 41. Further, the remittance account 44 is an account which is located in Bank C and managed by Bank C itself. It is preferable that the account holder of the collective account 43 is Bank C.
[0026]
Then, the first transfer request is sent to the bank A's net banking system 4a, and the second transfer request is sent to the bank C's net banking system 4c, so that the respective net banking systems 4a, 4c execute the transfer.
[0027]
Even if one transfer is divided into a plurality of transfers in this manner, funds are transferred indirectly from the transfer source account 41 to the transfer destination account 42.
[0028]
Next, a specific processing procedure performed when the aggregation center 1 performs the transfer processing will be described with reference to FIG.
[0029]
FIG. 4B is a diagram showing a procedure for requesting a transfer process in the present embodiment, and FIG. 4A is displayed on the display unit 2a of the mobile phone 2 during the process shown in FIG. 4B. Screen transition.
[0030]
(1) First, a user accesses the aggregation center 1, downloads a login Web page to the mobile phone 2, and logs in. When the login is completed, the scraping processing unit 11 acquires the balance of the registered account based on the registered information 20 of the logged-in user.
[0031]
(2) Next, the mobile phone 2 downloads the Web page of the menu screen, and the menu screen is presented on the display unit 2a. When the user selects “transfer” on this menu screen, the Web page of the transfer request screen is downloaded, and the transfer request screen is presented on the display unit 2a. The user inputs a transfer request having the contents shown in FIG. 4A from this transfer request screen.
[0032]
(3) When the input of the transfer request is completed, a transfer confirmation screen is displayed on the mobile phone 2. Here, when the user confirms the contents of the transfer and instructs execution of the transfer, a transfer request is transmitted to the aggregation center 1 via the network. Here, the transfer request transmitted to the aggregation center 1 includes an account such as a bank name (or a bank code), a branch name (or a branch code), an account type, an account number, and an account holder regarding the transfer source account and the transfer destination account. This is electronic information including information for identification and a transfer amount.
[0033]
In the aggregation center 1, upon receiving the transfer request, the transfer engine 15 corresponding to each of the transfer source account 41 and the transfer destination account 42 executes the first and second transfer requests shown in FIG. Generate. That is, the transfer engine 15 for the net banking system of the bank where the transfer source account is located generates a first transfer request script. Similarly, the transfer engine 15 for the banking system of Bank C generates a second transfer request script. Then, the first transfer request is transmitted to the bank A's net banking system 4a, and the second transfer request is transmitted to the bank C's net banking system 4c. Here, the first transfer request includes information for identifying the transfer source account 41, information for identifying the collective account 43, and the transfer amount, and is used to operate the bank A's net banking system 4a. The second transfer request includes the information for identifying the transfer destination account 42, the information for identifying the remittance account 44, and the transfer amount. This is electronic information including a script for operating the net banking system 4c.
[0034]
It should be noted that the second transfer request may be made after confirming that the completion notification for the first transfer request has been received.
[0035]
Each net banking system 4 executes the transfer specified in the script sent from the aggregation center 1. Thus, a single transfer request can be divided into a plurality of transfers and performed.
[0036]
(4) When each divided transfer is completed, the aggregation center 1 notifies the mobile phone 2 of the completion of the transfer. As a result, the transfer requested by the user is indirectly executed.
[0037]
Incidentally, the transfer request from the user may be divided differently from the above. For example, the transfer request in FIG. 3A can be divided and executed as shown in FIG. That is, the collective account 43 in the same branch of the same bank as the transfer source account 41 is an account in the name of a third party other than the transfer party. Further, the remittance account 44 is in the name of the same person as the holder of the group account, and the remittance account 44 is an account of the same bank as the transfer destination account 42. Further, the remittance account 44 may be an account at the same branch as the transfer destination account 42. Then, the aggregation center 1 can make each split transfer request in the same procedure as described above, regardless of how the transfer request is split.
[0038]
As described above, according to the present embodiment, when a request for one bank transfer is received from a user, the bank transfer is substantially the same as the requested transfer in a form of bypassing to the account of a third party who is not a party to the transfer. The transfer is executed. At this time, it appears to the user as if the requested transfer was made.
[0039]
In the case of another bank transfer from Bank A to Bank B as in the example described above, a transfer account is not charged to a consolidated account or a remittance account when dividing into a plurality of transfers, or a relatively low fee is applied. By selecting an account, you can reduce (and in some cases, get free) the bank's commission on the transfer.
[0040]
The embodiments of the present invention described above are exemplifications for describing the present invention, and are not intended to limit the scope of the present invention only to those embodiments. Those skilled in the art can implement the present invention in various other modes without departing from the gist of the present invention.
[Brief description of the drawings]
FIG. 1 is a configuration diagram of an aggregation system according to an embodiment to which the present invention is applied.
FIG. 2 is an example of data stored in a user information storage unit 13;
FIG. 3 is a diagram for explaining a relationship between one transfer request and a plurality of transfer requests obtained by dividing the transfer request.
FIG. 4 is a diagram showing a screen transition image and a processing procedure in the embodiment.
FIG. 5 is a diagram showing another example of a divided transfer request.
[Explanation of symbols]
DESCRIPTION OF SYMBOLS 1 ... Aggregation center, 2 ... Mobile telephone, 3 ... Base station, 4 ... Net banking system, 9 ... Network, 41 ... Transfer source account, 42 ... Transfer destination account, 43 ... Consolidated account, 44 ... Remittance account, 11 ... Scraping Processing unit, 12: Normalization processing unit, 13: User information storage unit, 14: Web page, 15: Transfer engine.

Claims (7)

A system for splitting one bank transfer into a plurality of bank transfers to be executed,
A means for receiving electronic information of the transfer request from the transfer source account to the transfer destination account, including the transfer source account identification information, the transfer destination account identification information, and the transfer amount,
The electronic payment of the first split transfer request from the transfer source account to the reception account, including the transfer source account identification information, the predetermined reception account identification information in the name of a third party, and the transfer amount. Means for generating and transmitting information;
A second split transfer request from the remittance account to the remittance account, including the predetermined remittance account identification information managed by the third party, the remittance account identification information, and the remittance amount; Means for generating and transmitting the electronic information of the present invention. The source account and the receiving account are accounts in the same branch of a first bank;
The transfer destination account is an account at a second bank different from the first bank,
The system of claim 1, wherein the third party is a third bank and the remittance account is at a third bank. The electronic information of the first split transfer request is electronic information of a script for transferring the transfer amount from the transfer source account to the receiving account using an online transfer system provided by a first bank,
The electronic information of the second split transfer request is electronic information of a script for transferring the transfer amount from the remittance account to the transfer destination account using an online transfer system provided by a third bank. Item 3. The system according to Item 2. A system for splitting one bank transfer into a plurality of bank transfers to be executed,
A means for receiving electronic information of the transfer request from the transfer source account to the transfer destination account, including the transfer source account identification information, the transfer destination account identification information, and the transfer amount,
The electronic payment of the first split transfer request from the transfer source account to the reception account, including the identification information of the transfer source account, the identification information of the reception account in the name of a third party previously determined, and the transfer amount. Means for generating and transmitting information;
A second split transfer request from the remittance account to the remittance account, including the predetermined identification information of the remittance account in the name of the third party, the identification information of the remittance account, and the remittance amount. Means for generating and transmitting electronic information. The source account and the receiving account in the name of the third party are at the same branch of the first bank;
The system according to claim 4, wherein the transfer account and the third party remittance account are located in a second bank different from the first bank. An operation method of a system for dividing one bank transfer into a plurality of bank transfers to be executed,
Receiving the electronic information of the transfer request from the transfer source account to the transfer destination account, including the transfer source account identification information, the transfer destination account identification information and the transfer amount,
The electronic payment of the first split transfer request from the transfer source account to the reception account, including the transfer source account identification information, the predetermined reception account identification information in the name of a third party, and the transfer amount. Generating and transmitting information;
A second split transfer request from the remittance account to the remittance account, including the predetermined remittance account identification information managed by the third party, the remittance account identification information, and the remittance amount; Generating and transmitting the electronic information of (1). When executed on a computer,
Receiving the electronic information of the transfer request from the transfer source account to the transfer destination account, including the transfer source account identification information, the transfer destination account identification information and the transfer amount,
The electronic payment of the first split transfer request from the transfer source account to the reception account, including the transfer source account identification information, the predetermined reception account identification information in the name of a third party, and the transfer amount. Generating and transmitting information;
A second split transfer request from the remittance account to the remittance account, including the predetermined remittance account identification information managed by the third party, the remittance account identification information, and the remittance amount; Generating and transmitting the electronic information of the above, and a computer program for requesting a split transfer.

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