JP2004227467A - Account management system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an account management system which is easy to manage an account when the same account is shared by a plurality of users. <P>SOLUTION: An account managing part 102 divides an account 101 into a plurality of sub accounts to each of which the users are assigned. The account managing part 102 updates a balance corresponding to the sub account via a network 105 and a Web server 103 when a fund transfer request between the sub accounts is received from a manager (user A). The account managing part 102 also updates the balance corresponding to the sub account when a user B requests deposit/withdrawal processing for own sub account using an ATM device 106. <P>COPYRIGHT: (C)2004,JPO&NCIPI

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to an account management system, and more particularly, to an account management system that manages one account opened in a financial institution or the like in a unit of a plurality of child accounts each of which can deposit and withdraw money.
[0002]
[Prior art]
In general, one account set up at a financial institution is set with one holder, and the financial institution manages the deposit / withdrawal processing and balance of the holder on an account basis. Usually, the account holder allows others to freely deposit money into his / her own account, but does not allow money to be freely withdrawn from his / her own account. For this reason, for example, when money is transferred between accounts of two different holders, it is necessary for the holder of the account before transfer to make a transfer to the destination account. The same applies to a case where the relationship of the nominal person is a family that runs the same household. Also, in the case where the same holder manages the account for credit card payment and the account for salary transfer separately and transfers money from the account for salary transfer to the account for credit card payment, Procedures such as transfer between accounts are required.
[0003]
For example, when transferring money from an account in the parent's name to an account in the child's name due to remittance, the parent needs to perform procedures such as transfer between accounts, etc. Nevertheless, the labor and costs of the procedure are incurred. If the amount of money transferred per transaction is increased and the number of movements is reduced in order to reduce the labor and cost, there is a problem that convenience is lacking. In addition, even if money is transferred within the family, there is also a problem that the parent cannot freely move money from the child's account to the parent's account. When one account is shared by family members, these problems do not occur. However, the deposit and withdrawal status of the shared account falls short of all the family members, and another problem that privacy cannot be protected occurs.
[0004]
As a technique for sharing an account with family members while protecting privacy, Japanese Patent Application Laid-Open No. 2000-251147 discloses a technique for managing an account in units of a deposit and withdrawal expense item. According to this technology, for example, a deposit / withdrawal item such as a pay-in item “salary” or a pay-out item “parking fee” or “pocket money” is designated, and a withdrawal from or payment to the account is performed. Each person sharing the account is set with a level of access authority according to each person. In this case, with respect to the account deposit and withdrawal expenses, the deposit and withdrawal status of the expenses within the access authority is displayed, but the deposit and withdrawal status is not displayed for the expenses without the access authority, so each person has his own unique deposit and withdrawal. You can browse the money situation efficiently. For example, by setting the parent to display all expenses and withdrawals, the child can be set to have access rights to display only the "pocket money" expenses for himself, and the child can receive " Deposit and withdrawal status other than "pocket money" is not displayed, and the privacy of parents is maintained.
[0005]
Further, as another technique for sharing the same account by a plurality of persons, Japanese Patent Application Laid-Open No. 2001-243400 (Patent Document 2) discloses a technique of performing settlement using a related account linked to a plurality of user accounts. Has been described. In this technology, the related account has a function of representing the plurality of user accounts and distributing the settlement processing to the plurality of linked user accounts. For example, when a plurality of companies use one related account jointly to make a transaction with a credit card company, the card company performs settlement for the related account, which is a representative account. Money deposited in the related account by the card company is distributed from the related account to the user account of each company linked to the related account.
[0006]
[Patent Document 1]
Japanese Patent Application Laid-Open No. 2000-251147 [Patent Document 2]
JP 2001-243400 A
[Problems to be solved by the invention]
By the way, the technology described in Patent Literature 1 only limits the deposit and withdrawal items to be displayed according to the access authority. Therefore, with this technology, it is not possible to manage the withdrawal amount by each person, and the account is shared. Each person who does is free to withdraw money within the balance of the account. Thus, for example, parents cannot prevent excessive spending by children.
[0008]
Further, in the technology described in Patent Literature 2, the related account is a settlement account representing a plurality of user accounts, and therefore, only the money deposited in the related account is distributed to the plurality of user accounts. For this reason, money cannot be transferred between a plurality of user accounts linked to the same related account without performing a transfer process to the related account or the user account. When transferring money between user accounts linked to the related account, procedures such as transfer between accounts are required as in the case of normal transfer of money between accounts. It takes.
[0009]
SUMMARY OF THE INVENTION It is an object of the present invention to solve the above-mentioned problems and to provide an account management system that can easily manage the use of an account even when one account is shared among family members.
[0010]
[Means for Solving the Problems]
In order to achieve the above object, an account management system of the present invention provides, as a parent account, one account opened at a financial institution, and one or more children assigned to corresponding users in the parent account. Child account setting means for setting an account; and child account management means for performing deposit / withdrawal processing of the child account in response to a deposit / withdrawal designation input for the child account from the parent account manager and the user of the child account. It is characterized by having.
[0011]
In the account management system of the present invention, the parent account is opened in the financial institution, for example, as an account in the name of a manager (representative), and the manager of the parent account allocates at least one of the parent accounts in which the balance of the parent account is allocated. Set up child accounts and assign users to each child account to manage parent accounts and child accounts. The user of the child account can deposit or withdraw from the child account assigned to the child account, update the balance of the child account for himself, and manage the child account. The administrator of the parent account can designate any child account in the parent account and deposit money into the child account or withdraw money from the child account.
Even if money is transferred between child accounts to which different users have been assigned, the administrator of the parent account does not need to perform a procedure such as transfer between accounts and can transfer one of the two accounts between the two child accounts. Money can be transferred from the child account to the other child account to adjust the balance between the child accounts, which facilitates the management of the child accounts.
[0012]
It is preferable that the account management system of the present invention further includes a child account use condition setting means for setting use conditions for a user of the child account for each child account. In this case, the administrator sets the child account by setting, for example, an upper limit balance, a lower limit balance allowed for the child account, and an upper limit value of a withdrawal amount within a predetermined period as usage conditions of the child account. The management of the use of the child account by the account user becomes easy.
[0013]
In the account management system of the present invention, a card for authenticating the user is issued to the user of the child account, and the account management means is provided to the user authenticated using the card. It is preferable to permit a deposit / withdrawal process for the child account. In this case, the user of the child account can use the card for authenticating the user of the child account to perform the deposit / withdrawal processing of the child account.
[0014]
In the account management system according to the present invention, the child account setting means may set one or more different child accounts to which a specific expenditure item is allocated. In this case, when a deposit / withdrawal process with a designated deposit / withdrawal cost item occurs for the parent account, the deposit / withdrawal process is assigned to a deposit / withdrawal process with another child account corresponding to the deposit / withdrawal cost item, and the child account is The balance is updated.
[0015]
In the account management system of the present invention, the parent account can be divided into all child accounts, and the depositing / withdrawing operation for the parent account can be automatically performed for a specific child account. The deposit / withdrawal operation for the account may be performed on a part of the parent account other than the child account. If the deposit / withdrawal processing of the parent account is performed, for example, without specifying a child account, the deposit / withdrawal processing is performed for a specific child account, and the parent account is assigned to any child account. If there is a portion that does not belong, the process is performed on the portion of the parent account other than the child account.
[0016]
In the account management system of the present invention, the manager of the parent account can obtain the deposit / withdrawal history information of all the child accounts, and each user receives the deposit / withdrawal history information of the child account assigned to him / her. Preferably, it is available. In this case, the manager can obtain the history information of all the deposits and withdrawals for the parent account including the deposit and withdrawal histories of all the child accounts, and the management of the parent account and the child accounts becomes easy. In addition, the user of the child account can easily manage the child account for the child account by obtaining the past deposit / withdrawal history information of the child account assigned to the child account.
[0017]
In an account management system according to another aspect of the present invention, one account opened in a financial institution is set as a parent account, and one or more child accounts respectively assigned to corresponding deposit / withdrawal expenses are set in the parent account. And an expenditure allocating means for assigning a deposit / withdrawal process to the corresponding child account when a deposit / withdrawal designation input is generated for the deposit / withdrawal cost item.
[0018]
In an account management system according to another aspect of the present invention, a parent account is opened at a financial institution as an account in the name of a manager (representative), for example, and one or more child accounts to which the balance of the parent account has been allocated include child accounts. Assign deposit and withdrawal expenses for each account. When a deposit / withdrawal process specifying a deposit / withdrawal cost item occurs for the parent account, the deposit / withdrawal process is assigned to a deposit / withdrawal process of a child account corresponding to the deposit / withdrawal cost item, and the balance of the child account is updated. . Thereby, for example, it is possible to separate expenses in which the expenditure amount is determined in advance, and to avoid a situation in which the account balance of the parent account falls below the expense in which the expenditure amount is determined.
[0019]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, the present invention will be described in more detail based on embodiments of the present invention with reference to the drawings. FIG. 1 shows a configuration of an account management system according to a first embodiment of the present invention. The account management system 100 is provided in a financial institution, and includes an account management unit 102 that manages an account 101, and a Web server 103 that provides a user with a user interface via a network 105 and a user terminal 104.
[0020]
The account 101 is opened in a financial institution as a real account in the name of the user A (administrator), for example. The administrator manages the account 101 and a plurality of child accounts obtained by virtually dividing one real account. The account balance of the entire account 101 is distributed to an arbitrary child account by a desired amount, and is managed in units of the child account balance. A user who uses the child account is assigned to each child account as a virtual account holder. The administrator can also set himself / herself as a user of the child account of the account 101 in his / her own name. The user B of the child account uses the ATM device (automatic teller machine) 106 to perform deposit / withdrawal processing on the child account in the account 101 assigned to the user B. User B can obtain the history of the deposit and withdrawal status of the child account assigned to the user B, and the administrator can obtain the history of the deposit and withdrawal status of all the child accounts in the account 101. .
[0021]
The administrator can set, for each child account, the upper limit balance and the lower limit balance allowed for the child account and the upper limit of the withdrawal amount for one month or one week as the usage conditions of the child account. The usage conditions of the child account can be set differently for each child account, and the administrator sets the usage conditions of the child account according to the user of the child account. To each user of the child account, a magnetic card (or IC card) dedicated to the child account for use in the ATM device 106 to authenticate the user of the child account is issued by the financial institution, and the user of the child account is issued. The user can use the issued magnetic card to perform deposit / withdrawal operations on the child account assigned to the child account within the usage conditions set for the child account. The administrator can perform deposit and withdrawal operations on all the child accounts in the account 101 irrespective of the usage conditions of the child accounts.
[0022]
The account management unit 102 has a function of creating / deleting a child account in the account 101, a function of setting, for each created child account, a correspondence between a child account and a user who uses the child account, And a function for setting account use conditions. The administrator of the account 101 uses these functions of the account management unit 102 via a user interface provided by the Web server 103 to maintain account management information of the account 101. The account management information includes information on the creation status of the child account, the correspondence between the child account and the user, and the usage conditions of the child account. In addition, the account management unit 102 manages the account balance of the account 101 on a sub-account basis, and receives a deposit or withdrawal request for the account 101 from the ATM device 106 and is subjected to a deposit and withdrawal process in the account 101. It has a function of selecting a child account and updating the account balance (child account balance).
[0023]
FIG. 2 shows an example of a procedure for updating account management information by a manager. The administrator of the account 101 uses a user terminal 104 configured as an information processing device such as a personal computer or a mobile device, and a Web server on a network 105 that is a communication network such as a mobile communication network or the Internet network. 103 (step S1). The Web server 103 that has been accessed by the administrator transmits a screen for inputting authentication information to the user terminal 104 (step S2). The user terminal 104 displays an authentication information input screen on the terminal screen (step S3), and the administrator inputs authentication information according to the screen (step S4), and transmits information for authentication to the Web server 103. (Step S5).
[0024]
The Web server 103 receives the information for authentication from the user terminal 104 and performs an authentication process of the administrator (Step S6). When the authentication of the administrator is normally completed, the Web server 103 accesses the account management unit 102 (step S7), and the account management unit 102 checks the account balance for each child account of the authenticated administrator account 101, The history of the deposit / withdrawal status of the child account and the account management information are transmitted to the Web server 103 as account information (step S8). The Web server 103 that has received the account information transmits the received account information and a management menu for performing account management to the user terminal 104 (Step S9). Account information and an account management menu are displayed on the terminal screen of the user terminal 104 (step S10).
[0025]
The administrator selects a desired process from a management menu on the terminal screen of the user terminal 104 and inputs a change in account information (step S11). The change of the account information includes a transfer (move) of money between child accounts and a change of account management information. The user terminal 104 transmits update information for changing the input account information to the Web server 103 (Step S12), and the Web server 103 transmits the received update information to the account management unit 102 (Step S12). Step S13). The account management unit 102 updates the account information based on the received update information (Step S14), and transmits the updated account information to the Web server 103 (Step S15).
[0026]
The Web server 103 transmits the updated account information and the management menu to the user terminal 104 (step S16), and displays the updated account information and account management on the terminal screen of the user terminal 104. A menu is displayed (step S17). The administrator repeats steps S11 to S17 until the changed account information becomes the desired account information. Thereby, the account information of the account 101 is updated. When a new child account is created in the account 101 by the administrator, the financial institution that opens the account 101 issues a magnetic card to a virtual holder corresponding to the child account.
[0027]
Depositing and withdrawing from a child account is performed as follows. When the user B associated with the child account in the account 101 by the administrator inserts the magnetic card issued by the financial institution into the ATM device 106, the ATM device 106 identifies the user from the magnetic card. Get information. The ATM device 106 transmits the acquired information for identifying the user to the account management unit 102, and the account management unit 102 performs authentication processing of the user B, and authenticates the user B. The account management unit 102 specifies the child account in the account 101 assigned to the user B according to the child account and the user assignment set by the administrator of the account 101.
[0028]
When the user B operates the ATM device 106 and requests a deposit or withdrawal for the child account assigned to the user B, the account management unit 102 determines that the request is based on the usage conditions of the child account assigned to the user B. It is determined whether or not is satisfied. If the account management unit 102 determines that the request from the user B does not satisfy the usage conditions set for the child account, the account management unit 102 informs the user B via the ATM device 106 that the deposit and withdrawal for the child account cannot be made. Notice. When the usage condition of the child account is satisfied, the account management unit 102 updates the balance of the child account allocated to the user B in the account 101 according to the request of the user B. In this way, the user B can use the ATM device 106 to deposit money into the child account and withdraw cash from the child account. Further, the history of the deposit and withdrawal status of the child account assigned to the user B is displayed for the user B.
[0029]
For example, the account balance of the entire account 101 is 1,000,000 yen, the account 101 is divided into two child accounts, and the administrator himself is set as a user of the child account in one child account, and is set in the other child account. Consider a case where user B is set as a user of a child account and the balance of the child account is 500,000 yen each. When the user B deposits 100,000 yen into the child account for himself using the ATM device 106, the account management unit 102 updates the child account for user B from 500,000 yen to 600,000 yen. At this time, the account balance of the entire account 101 is 1.1 million yen. In addition, the administrator can freely move the money in the account 101 without requiring a procedure such as transfer between accounts, and can increase the account balance of the child account for the user B from 600,000 yen to 500,000 yen. Then, the account balance of the child account for the manager can be reduced from 500,000 yen to 600,000 yen.
[0030]
In the present embodiment, the account 101 is managed in units of a plurality of virtually divided child accounts, and a user sharing the account 101 is assigned to each child account. Since the account 101 is an account in the name of the administrator, the administrator of the account 101 can perform deposit / withdrawal operations on any child accounts in the account 101, and does not require procedures such as transfer between accounts. Money can be freely transferred from any child account in the account 101 to another child account in the account 101. Thereby, the administrator can allocate the desired account balance of the entire account 101 to an arbitrary child account by a desired amount, adjust the balance between the child accounts, and improve the convenience of the management of the account 101. .
[0031]
For example, when the account 101 is used by a family, the parent opens the account 101 at a financial institution as a manager on behalf of the family, and the parent assigns each member of the family a virtual account of a child account. Account holder. When the parent sends the child, the parent, who is the administrator, adjusts the balance between the child accounts without changing the account balance of the entire account 101, thereby changing the child account for the parent from the child account for the parent. Money can be transferred to a child account. In this case, it is not necessary to perform a procedure such as transfer between accounts for transferring money, and the transfer and the like can be reduced, and the remittance can be easily performed.
[0032]
The user of each child account deposits and withdraws the child account assigned to the child account, and updates the child account balance. The administrator can set, for each child account, usage conditions of the child account that restricts depositing and withdrawing from the child account. For example, when the administrator sets the usage conditions of the child account so as to set the upper limit of the withdrawal amount for one month in the child account, the withdrawal operation by the user of the child account is performed according to the set usage conditions. If not, no withdrawal will be made from the child account. By doing so, the administrator can restrict the use of the child account by the child account user even within the balance of the child account balance, manage the usage status of the child account, It is possible to prevent a child account from being used by a user.
[0033]
The user of the child account can obtain and view the history of the deposit and withdrawal of the child account assigned to the user from the deposit and withdrawal history of the entire account 101, but can view the account by the user of another child account. It is not possible to obtain the history of deposits and withdrawals of 101. Therefore, the user of the child account can easily manage the child account assigned to the child account, and the privacy of the child accounts sharing the account 101 can be maintained. In addition, the administrator can obtain the history of deposits and withdrawals of the entire account 101, that is, the deposit and withdrawal status of all the child accounts, manage the balance of the entire account 101, and use the child account by the child account user. Understand the situation.
[0034]
FIG. 3 shows the configuration of an account management system according to the second embodiment of the present invention. In the present embodiment, instead of assigning a user to each child account, a use purpose configured as, for example, a withdrawal expense item is assigned to each child account. In the account management system 110, the account management unit 102 has a function of associating a child account with a use of the child account. The administrator operates the account management unit 102 via the Web server 103 to maintain the account management information, and sets the usage for each child account.
[0035]
For example, the administrator sets the child account 1 as a child account used for credit card payment, and sets the child account 2 as a child account used for automatic debit of electricity bills. When a request for payment of a credit card or automatic debit of an electric bill is sent to a financial institution, the account management unit 102 sets a child card set for credit card payment based on the account management information set by the administrator. Withdraw money from an account or a child account set for debiting electricity bills, and update the balance of the child account.
[0036]
In the present embodiment, the administrator assigns usages to the child accounts, and assigns a desired amount to the account balance of the entire account 101 for each child account. As a result, for example, expenses for which the expenditure has been determined in advance can be separated from other child accounts, and the use of the account causes the account balance of the entire account 101 to be lower than the expense for which the expenditure has been determined. Can be avoided. When a child account is designated as an account for card settlement such as a debit card, the amount used for card settlement is limited by the balance of the child account of the child account, and waste can be prevented.
[0037]
Note that the account 101 may not be entirely divided into child accounts, and may have a balance that does not belong to any child accounts. If there is a deposit or withdrawal that does not specify a child account for the account 101 due to a transfer or the like, the deposit or withdrawal may be made to the balance portion of the account 101 that does not belong to any child account. Alternatively, payment or withdrawal may be made to a predetermined child account preset by the administrator. Further, the first embodiment and the second embodiment can be combined. In the account 101, a child account to which a virtual holder is assigned and a child account to which a use purpose is assigned are mixed. May be.
[0038]
In the above-described second embodiment, an example is described in which payment is made from a child account to which a use purpose is assigned. However, a deposit expense item is assigned to a child account as a use purpose, and even if payment is made to that child account. Good. For example, the administrator assigns payroll usage to a desired child account in account 101. When the financial institution receives a request for paying a salary for the account 101, the account management unit 102 specifies a child account for paying a salary, and pays the child account. In this case, it becomes easy to manage the payment expenses.
[0039]
As described above, the present invention has been described based on the preferred embodiment. However, the account management system of the present invention is not limited to only the above-described embodiment, and various modifications and changes can be made from the configuration of the above-described embodiment. A modified account management system is also included in the scope of the present invention. For example, an administrator can use an ATM device to deposit and withdraw any child account within an account in his / her own name.
[0040]
【The invention's effect】
As described above, in the account management system of the present invention, the manager of the parent account can designate an arbitrary child account in the parent account, and can deposit and withdraw the child account. For this reason, even when money is transferred between child accounts to which different users have been assigned, there is no need for procedures such as transfer between accounts and the like. Money can be transferred to the child account to adjust the balance between the child accounts.
[Brief description of the drawings]
FIG. 1 is a block diagram showing a configuration of an account management system according to a first embodiment of the present invention.
FIG. 2 is a flowchart showing a flow of processing of the account management system of FIG. 1;
FIG. 3 is a block diagram showing a configuration of an account management system according to a second embodiment of the present invention.
[Explanation of symbols]
100: Account management system 101: Account 102: Account management unit 103: Web server 104: User terminal 106: ATM device

Claims (8)

Child account setting means for setting one account opened at a financial institution as a parent account and setting one or more child accounts assigned to corresponding users in the parent account,
An account management system comprising: a child account management unit that performs deposit / withdrawal processing for the child account in response to a deposit / withdrawal designation input for the child account from a manager of the parent account and a user of the child account. . The account management system according to claim 1, further comprising a child account use condition setting unit configured to set use conditions for a user of the child account for each child account. A card for authenticating the user is issued to the user of the child account, and the account management means permits the user authenticated using the card to perform a deposit / withdrawal process on the child account. The account management system according to claim 1, wherein 4. The account management system according to claim 1, wherein all the parent accounts are divided into child accounts, and depositing and withdrawing operations for the parent account are automatically performed for a specific child account. 4. The account management system according to claim 1, wherein the depositing and withdrawing operation for the parent account is performed on a part of the parent account other than the child account. 2. The manager of the parent account can obtain the history information of deposit and withdrawal of all the child accounts, and each user can obtain the history information of deposit and withdrawal of the child account assigned to itself. 6. The account management system according to any one of claims 1 to 5. The account management system according to claim 1, wherein the child account setting unit further sets one or more different child accounts to which a specific expenditure item is allocated. Child account setting means for setting one account opened at the financial institution as a parent account, and setting one or more child accounts assigned to the corresponding deposit / withdrawal expenses in the parent account,
An account management system comprising: an expenditure allocating unit that allocates, when a deposit / withdrawal designation input occurs for the deposit / withdrawal item, to a deposit / withdrawal process of a corresponding child account.

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