JP2005202853A - Loan account withdrawal management system and method for managing withdrawal from loan account - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a loan account withdrawal management system that allows immediately withdrawing cash from a loan account through a cash dispenser such as an ATM without use of a cash card in order to provide a service that enables immediate withdrawals from a loan account while reducing the cost of introduction through the use of existing facilities such as banks. <P>SOLUTION: When a subscriber requests the opening of a loan account from a subscription terminal, a loan accepting system opens a loan account in a bank host after screening. The bank host applies a customer number to the account and registers an account master in an account file. The customer number is sent to the subscription terminal along with the account number and the subscriber inputs the account number, the customer number, an identification number, and a desired amount to be withdrawn to a dispensing terminal. When these meet requirements registered in the account file, an order to withdraw cash is sent from the bank host to the dispensing terminal. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention provides a loan account withdrawal management system and a withdrawal from a loan account that can withdraw cash from a loan withdrawal account used for borrowing funds from a cash withdrawal device such as an ATM without using a cash card. It concerns money management methods.

  For personal loans provided by financial institutions, a card loan service is widely provided in which a dedicated bank account is opened at the financial institution and cash is withdrawn from the ATM using the cash card issued for the loan account. Yes. When applying for a card loan, it is common for a user to go to a store to open an account, or to send the necessary materials by mail. A dedicated application procedure terminal is installed in the store (http://www.ufjbank.co.jp./service/atm/atm_acm_f.html) so that a new account opening procedure can be performed. When applying for a loan for individuals using the means described above, the cash card for cash withdrawal is generally sent to the contractor later by a delivery record mail etc., and the contractor received the cash card Later, he goes to an ATM to withdraw cash.

  When a financial institution such as a bank or its affiliated company implements a personal loan using a cash card, it is common to use the above method so that the bank's existing facilities such as ATMs can be utilized. Yes. On the other hand, in order to meet the needs of users who want to use borrowed funds instantly, private-sector contractors who are dedicated to personal loans are also spreading the use of unmanned contract machines that can issue cash cards. However, since a large amount of capital investment is required to install a device having a cash card issuing function, an invention relating to a credit card issuing system for issuing a cash card at low cost and safely has been disclosed ( For example, see Patent Document 1).

JP 2003-30454 A

  The method of issuing and mailing a cash card as described above has a problem that it takes a certain number of days before the contractor can actually use the funds because it takes time to issue and mail the card. In addition to this, as a method to receive borrowed funds with certainty, there is also a method in which the contractor receives funds by transfer by specifying a deposit account for borrowings, but this method also limits the transfer reception time Therefore, there is a limit that the payment will be made on the next business day or later unless the procedure is performed by a predetermined time.

  On the other hand, if an unmanned contract machine is used, the contractor can withdraw cash immediately, but as mentioned above, the introduction of the equipment requires a large amount of capital investment, and the cost constraints Is big. On the other hand, even when using the invention described in Patent Document 2, several steps by mail or the like are required until the cash card can be used (see Paragraph Nos. 0029 to 0030 of Patent Document 1), Eventually, the problem that it takes a certain number of days before cash can be withdrawn cannot be solved.

  In addition, since the method of mailing the cash card described above is surely delivered to the principal by using a delivery record mail or the like, it has an effect that the medium called the cash card also has a function of authenticating the contractor. . In other words, in order for a contractor to withdraw cash at an ATM, a medium called a cash card and a password registered in advance at the time of contract are required, so even if a third party tries to withdraw cash from a loan account, Since it is necessary to physically possess the cash card and know the password, a double safety valve is provided. Even when implementing a method that allows a contractor to withdraw cash immediately, it is also important to have safety comparable to such a method.

  In this way, considering the convenience of users and the investment burden of financial institutions, ATMs can be used even if a cash card is not issued after the opening of a loan account while controlling the introduction cost by using existing facilities such as banks. It is preferable to be able to provide a service that allows for immediate withdrawals. The present invention has been made to cope with such problems, and withdraws cash from a cash withdrawal device such as an ATM without using a cash card from a loan account used for borrowing funds. The purpose of this is to provide a loan account withdrawal management system.

  The first invention that solves the above problem is a loan account withdrawal management system capable of withdrawing cash from a cash withdrawal device without using a cash card from a loan account used for borrowing funds. A loan application receiving means for receiving application information required for borrowing application including a personal identification number of a loan account selected by the user through a communication network from an application terminal device operated by the user; For an application approved to be accepted for borrowing, a record corresponding to a newly opened loan account is provided, the account number assigned to the loan account, the PIN number received by the loan application receiving means, the loan Stores the master information about the loan account including the authentication information used for withdrawal from the account and the opening date of the loan account Loan account information storage means, withdrawal possible information transmitting means for sending withdrawal possible information including the account number and the authentication information to the application terminal device via a communication network, and cash withdrawals operated by the user From a device, withdrawal request reception means for accepting the withdrawal request information including the account number, password, and authentication information input to the cash withdrawal device by the user through a communication network, the withdrawal request information, and Withdrawal permission determination means for determining whether or not withdrawal is possible by comparing with master information recorded in a record corresponding to the account number included in the withdrawal request information of the loan account information storage means, and whether or not withdrawal is possible And a withdrawal instruction transmitting means for transmitting a withdrawal instruction to the cash dispensing apparatus when it is determined by the determining means that the withdrawal is permitted. If the PIN and authentication information included in the request information do not match the master information, withdrawal is not possible if the date when the withdrawal request information is received does not match the opening date of the loan account included in the master information It is a loan account withdrawal management system characterized by the above.

  A second invention that solves the above problem is a loan account withdrawal management system that can withdraw cash from a loan account used for borrowing funds from a cash withdrawal device without using a cash card. A loan application receiving means for receiving application information required for borrowing application including a personal identification number of a loan account selected by the user through a communication network from an application terminal device operated by the user; For an application approved to be accepted for borrowing, a record corresponding to a newly opened loan account is provided, the account number assigned to the loan account, the PIN number received by the loan application accepting means, and the loan Loan account information store that stores master information about the loan account, including authentication information used for withdrawals from the account From the withdrawal possible information transmitting means for transmitting withdrawal possible information including the account number and the authentication information to the application terminal device through a communication network, and the cash withdrawal device operated by the user, the user The withdrawal request receiving means for accepting the withdrawal request information including the account number, personal identification number and authentication information input to the cash withdrawal apparatus through a communication network, the withdrawal request information, and the loan account information storage means. Withdrawal permission determination means for determining whether or not withdrawal is possible by comparing with the master information recorded in the record corresponding to the account number included in the withdrawal request information, and withdrawal is possible by the withdrawal allowance determination means A withdrawal instruction transmission means for transmitting a withdrawal instruction to the cash withdrawal apparatus, and the loan account information storage means includes a record in the loan account A field for recording a flag indicating the withdrawal status of the withdrawal request is provided, and the withdrawal decision unit determines that the withdrawal request is made when at least a password included in the withdrawal request information does not match the master information. If the authentication information included in the information does not match the master information, and if a flag indicating withdrawal has been recorded in the record corresponding to the account number included in the withdrawal request information, it is included in the withdrawal request information In the loan account withdrawal management system, it is determined that withdrawal is not possible when a flag indicating that the predetermined number of withdrawals is reached is recorded in the record corresponding to the account number.

  In these inventions, as a means for authenticating that the user who withdraws cash from the loan account is the contractor himself, instead of the cash card issued as a medium for identifying the contractor, the withdrawal is made for each loan account. The authentication information required at the time of money is given. The contractor inputs the account number, PIN, and authentication information into the cash withdrawal device, and it is possible to withdraw cash when the account number and PIN are confirmed and the account number and authentication information match. Even without using a dedicated machine such as an unmanned contract machine, the time required for issuing and mailing a cash card can be shortened, and a day-to-day payment can be made.

  In the present invention, in order to improve safety in response to the risk of authentication information leaking out, in the first invention, withdrawal using the authentication information is accepted only on the day of opening the loan account, and the second invention Is set to accept a withdrawal using authentication information only a predetermined number of times (preferably once).

  In the present invention, the cash withdrawal device corresponds to a device that can be used for cash withdrawal such as ATM or CD, and the application terminal device has a videophone function that is attached to the ATM mainly at a bank store or the like. The dedicated application procedure terminal is used. As the loan account, a checking account or the like capable of making withdrawals exceeding the deposit balance is used. The authentication information may be any information such as numbers, letters, symbols, and combinations thereof as long as it is individually given for authentication for each loan account.

  In the first invention and the second invention, the master information of the loan account information storage means includes a contract maximum amount set in the loan account, and the withdrawal request information accepted by the withdrawal request acceptance means Includes a withdrawal request amount input by the user to the cash withdrawal apparatus, and the withdrawal enable / disable judging means, when the withdrawal request amount is within the range of the contract extreme amount, It can also be characterized that it is determined that withdrawal is possible.

  In personal loans, it is common for each contractor to set a contract maximum amount that is the upper limit of the loan balance. When withdrawals from the cash withdrawal device are limited to one time as described above, the withdrawal request amount should be confirmed to be within the contract maximum amount in the determination of whether or not withdrawal is possible. Is preferred.

  In the first invention and the second invention, the master information of the loan account information storage means includes a contract maximum amount set in the loan account and a loan balance of the loan account, and the withdrawal request receiving means Is included in the withdrawal request information received by the user into the cash withdrawal apparatus, and the withdrawal allowance determining means determines that the withdrawal request amount is based on the contract maximum amount. It is also possible to determine that withdrawal is possible when the amount is within the range of possible withdrawals by reducing the borrowing balance.

  If withdrawals from the cash withdrawal device are not restricted at one time as described above, the withdrawal request amount is within the allowable withdrawal amount by subtracting the borrowing balance from the contractual maximum amount in the determination of whether or not withdrawal is possible. It is preferable to configure so that it is confirmed.

  1st invention and 2nd invention are the authentication which produces | generates authentication information by applying a predetermined algorithm to the said account number, when providing the record corresponding to the newly opened loan account in the said loan account information storage means And an authentication information verification unit that verifies the authentication information included in the withdrawal-possible information transmitted by the withdrawal-possible information transmission unit by performing return conversion of the algorithm. You can also.

  The identification information used in the present invention may be arbitrary, but it is important that the registered identification information is accurately notified to the contractor as information used for personal authentication. If there is a risk of erroneous input, for example, through operator's manual input before notification to the contractor, the authentication information is generated by a predetermined algorithm as described above, and the process until notification to the contractor is made. It is ensured that the authentication information is accurately notified to the contractor by verifying the authentication information by back conversion and checking for erroneous input or the like.

  Moreover, the account withdrawal management system concerning this invention can also be grasped | ascertained as a withdrawal management method from the loan account using each structure of the account withdrawal management system concerning this invention.

  In other words, the withdrawal management method from the loan account using the first invention is based on the withdrawal from the loan account used for borrowing funds from the loan account that withdraws cash from the cash withdrawal device without using a cash card. A money management method in which a loan account acceptance system accepts application information necessary for borrowing an application including a personal identification number of a loan account selected by the user through a communication network from an application terminal device operated by the user. And a step in which the host computer provides a record corresponding to the newly opened loan account for the application approved to accept the borrowing of funds from the application information, and the account number assigned to the loan account, The PIN number received by the loan account acceptance system, the authentication information used for withdrawal from the loan account, and the Storing the master information on the loan account including the opening date of the bank account in the loan account information storage unit, and the loan account accepting system sends the withdrawal information including the account number and the authentication information through the communication network. A step of transmitting to the application terminal device, and a withdrawal including an account number, a personal identification number and authentication information entered by the user into the cash withdrawal device from the cash withdrawal device operated by the user. Receiving request information through a communication network; and master information recorded in a record corresponding to the account number included in the withdrawal request information and the withdrawal request information of the loan account information storage unit by the host computer. And determining whether or not withdrawal is possible, and the host computer accepts the withdrawal. If the step of determining whether or not withdrawal is possible, the step of transmitting a withdrawal instruction to the cash dispensing apparatus, and the step of determining whether or not withdrawal is possible includes at least the withdrawal If the PIN and authentication information included in the request information do not match the master information, withdrawal is not possible if the date when the withdrawal request information is received does not match the opening date of the loan account included in the master information This is a method of managing withdrawal from a loan account.

  Withdrawal management from a loan account using the second invention is a withdrawal management from a loan account that withdraws cash from a cash withdrawal device without using a cash card from a loan account used for borrowing funds. A method in which a loan account acceptance system receives application information necessary for an application for borrowing funds including a personal identification number of a loan account selected by a user through a communication network from an application terminal device operated by the user; The host computer provides a record corresponding to the newly opened loan account for the application approved to accept the borrowing of funds from the application information, the account number assigned to the loan account, the loan account Loan account containing the PIN number accepted by the acceptance system and authentication information used for withdrawal from the loan account Storing the master information related to the loan account information storage unit, and the loan account reception system transmitting the withdrawal information including the account number and the authentication information to the application terminal device through a communication network; The host computer accepts, via a communication network, withdrawal request information including an account number, a personal identification number, and authentication information input by the user to the cash withdrawal apparatus from a cash withdrawal apparatus operated by the user. And the host computer compares the withdrawal request information with the master information recorded in the record corresponding to the account number included in the withdrawal request information in the loan account information storage unit, It is determined that the withdrawal is possible in the step of judging whether the withdrawal is possible and the step in which the host computer judges whether the withdrawal is possible. And a step of transmitting a withdrawal instruction to the cash withdrawal apparatus, and a record provided in the loan account information storage unit includes a flag indicating a withdrawal status from the loan account. In the step of determining whether or not withdrawal is possible, a field for recording is provided, and if at least a personal identification number included in the withdrawal request information does not match the master information, authentication information included in the withdrawal request information Corresponds to the account number included in the withdrawal request information when the flag indicating withdrawal has been recorded in the record corresponding to the account number included in the withdrawal request information. When a flag indicating that the predetermined number of withdrawals has been recorded is recorded in the record, it is determined that withdrawal is impossible. is there.

  According to the present invention, cash can be safely and immediately withdrawn from a cash withdrawal apparatus such as an ATM without using a cash card from a loan account used for borrowing funds. Since the present invention can be easily introduced by using existing facilities such as banks, the financial institution immediately suppresses the introduction cost, and immediately from the ATM even if a cash card is not issued after opening a loan account. It becomes possible to provide services that allow withdrawals.

  The best mode for carrying out the present invention will be described below in detail with reference to the drawings. In the following embodiment, an example will be mainly described in which a savings account is opened for automatic transfer of repayment funds, a checking account is opened as a loan account, and cash is withdrawn using an ATM installed in a bank. However, this embodiment is an example of the present invention, and the present invention is not limited to such an embodiment.

  FIG. 1 is a block diagram showing the configuration of a loan account withdrawal management system according to the present invention. FIG. 2 is a diagram showing an example of a record of the ordinary deposit account master provided in the account file of the host computer in the loan account withdrawal management system according to the present invention. FIG. 3 is a diagram showing a first example of a record of a loan deposit account master provided in an account file of a host computer in the loan account withdrawal management system according to the present invention. FIG. 4 is a diagram showing a second example of a loan deposit account master record provided in an account file of a host computer in the loan account withdrawal management system according to the present invention. FIG. 5 is a flowchart showing a flow for accepting establishment of a loan account in the method for managing withdrawal from a loan account according to the present invention. FIG. 6 is a flowchart showing a flow of examination for opening a loan account in the method for managing withdrawal from a loan account according to the present invention. FIG. 7 is a flowchart showing a flow for notifying the opening of a loan account in the method for managing withdrawals from the loan account according to the present invention. FIG. 8 is a flowchart showing a flow of accepting a withdrawal request from a loan account in the withdrawal management method from a loan account according to the present invention. FIG. 9 is a diagram showing the relationship between a loan account and a savings account.

  In FIG. 1, the loan account withdrawal management system according to the present invention is configured as a part of a bank account 20 having a loan account reception system 10 having an operator terminal 11, a business support terminal 12 and a bookkeeping terminal 13, and an account file 21. Has been. The application terminal 30 is connected to the operator terminal 11 via a dedicated line, and the withdrawal terminal 40 is connected to the bank host 20 via a dedicated line.

  When applying for a personal loan (card loan) using a cash card, it is judged that applications can be made by telephone, fax, Internet, mail, mobile terminal, dedicated terminals installed in stores, etc. Then, it is necessary to carry out procedures at the financial institution's window in order to conduct the main examination such as identity verification. Recently, the procedure at this window can be performed by an application terminal 30 having a videophone function.

  The application terminal 30 is connected to the operator terminal 11 through a dedicated line, and an applicant who applies for a card loan can communicate with the operator using the videophone function and perform procedures necessary for the contract. The specific flow is as shown in the flowchart of the processing flow on the loan account acceptance system 10 side in FIG.

  First, the applicant reads an identification document such as a license or insurance card with the scanner of the application terminal 30 and transmits it to the operator terminal 11. The operator terminal 11 accepts data related to these confirmation documents (S01) and confirms whether or not the applicant has selected to use the same-day withdrawal of borrowings by card loan (S02).

  If the use of withdrawal on the same day is not selected, the loan by card loan is transferred to the deposit account designated by the applicant, and a transfer designation screen is displayed on the application terminal 30 (S03). The applicant inputs transfer designation information such as the account number of the transfer designated account from the application terminal 30, and the operator terminal 11 receives the entered data (S04). Subsequently, a contract with the details of the transfer is created from the received transfer designation information (S05). The contract may be created automatically by software provided in the terminal, or may be created individually by an operator inputting necessary items. The created contract is transmitted to the application terminal 30 and output (S06). In addition, about the withdrawal method when not withdrawing on the same day, it is good also as issuing a cash card and receiving by mail instead of transfer as mentioned above.

  The applicant who has output the contract document at the application terminal 30 puts the name and seal on the contract document and causes the scanner of the application terminal 30 to read the signed and stamped contract document. The contract data read by the scanner is taken into the application terminal 30 and transmitted to the operator terminal 11. In addition, the applicant inputs a loan account (usually a checking account is used) opened for withdrawal of card loans and a personal identification number used for a savings account for withdrawal of repayment funds. Send. When the acceptance at the operator terminal 11 is completed, a customer copy is output to the application terminal 30, and the subsequent flow is the same as a normal card loan by transfer.

  On the other hand, when the same-day withdrawal is selected, a contract in a predetermined format is output to the application terminal 30 without inputting the transfer designation information as described above (S07). The applicant writes predetermined information such as the name and seal to the contractor, and then reads the contract with the scanner of the application terminal 30. In addition to the contract, a special agreement for withdrawals may be requested on the same day. Data of the contract documents read by these scanners is taken into the application terminal 30 and transmitted to the operator terminal 11. A password used for a loan account opened for withdrawal of a card loan and a savings account for withdrawal of repayment funds are also input to the application terminal 30 and transmitted to the operator terminal 11. The operator terminal 11 accepts the completed contract (S08), adds other information necessary for the main examination if necessary, and sends it to the business support terminal 12 operated by the person in charge of the examination (S09). Or output this information and forward it to the examiner. The examiner will also be sent a PIN for the loan account and savings account.

  In the business support terminal 12, the person in charge of the examination performs the main examination to determine whether or not the loan can be accepted, and the operation is executed in the following flow based on the result. FIG. 5 is a flowchart of the processing flow of the business support terminal 12 in the loan account acceptance system 10.

  When the business support terminal 12 receives data relating to the main examination information such as a contract written by the applicant (S11), the examination person in charge executes examination as to whether to accept the loan (S12). The examination may be judged individually by the person in charge of reviewing these pieces of information, or an automatic examination by a computer may be performed for those that can be processed mechanically. If the same day withdrawal is not possible as a result of the examination, the flow returns to the flow where no withdrawal is made on the same day, and the transfer terminal 30 is displayed on the application terminal 30 (S03). If the withdrawal can be made on the same day, processing for requesting an account opening procedure from the host computer is executed.

  When opening a card loan account, normally, as shown in the example of FIG. 9, two accounts are opened: a savings account and a checking account (loan account) dedicated to the loan. Cash cards for card loans are issued for loan accounts, and overdraft is possible by contract in this account, so it is possible to withdraw cash to the maximum amount, and the negative balance of the loan account Will be subject to a predetermined borrowing rate. Repayment of the borrowing is done by depositing into the loan account, but for example, if the contract is a fixed amount contract payment on the monthly response date, the fixed amount is automatically transferred from the savings account on the response date . In addition to the promised repayment, if you want to prepay the repayment, payment is made directly to the loan account as payment at any time.

  In addition, it is good also as accepting the contract repayment of a borrowing by another method by opening only a checking account without distinguishing the savings account for automatic repayment of loan repayment and the checking account for a loan account. For example, it is possible to make a setting such that if the deposit amount to the current account is equal to or greater than a certain amount, it is regarded as a promised payment. As described above, when it is not necessary to open a savings account, the flow (S21 to S22) for opening a savings account is not necessary in the above account opening flow.

  If it is determined in this examination that a loan can be made with the same day withdrawal, the loan account acceptance system 10 requests the bank host 20 to open an account as shown in the flowchart of FIG. First, in order to open a savings account for automatic transfer, the business support terminal 12 transmits a request for opening a savings account to the bank host 20, and a password specified by the applicant as a password for the account ( S21). The bank host 20 receives these data, opens a savings account, and registers the master information of the account in the account file 21 with a new record.

  FIG. 2 shows an example of the master information of the savings account provided in the account file 21. As shown in FIG. 2, the account file 21 is attached with a CIF, which is a number for identifying a contractor to a newly contracted contractor, an account number of a newly opened account, and a personal identification number designated by the applicant at the time of application. Etc. are registered as master information of the savings account.

  The opening of the savings account is notified from the bank host 20 to the business support terminal 12, and the business support terminal 12 accepts this (S22). Next, the person in charge of examination of the business support terminal 12 notifies the person in charge of opening a loan account who operates the bookkeeping terminal 13 to open a savings account, and the person in charge of opening a loan account opens the bank host from the bookkeeping terminal 13. A request for opening a loan deposit account and a password specified by the applicant as a password for the account are transmitted to S20 (S23). The bank host 20 accepts these data, opens a checking account for the loan, and registers the master information of the account in the account file 21 with a new record. The bank host 20 stores a program for setting a new record corresponding to the loan account, and executes processing as described below.

  3 and 4 show an example of the master information of the loan account provided in the account file 21. FIG. The account file 21 is provided with a record corresponding to the newly opened loan account. As shown in FIGS. 3 and 4, the CIF, which is a number for identifying the contractor, is recorded, and the account file 21 is opened first with the CIF as a key. Associated with savings account. Moreover, it is good also as recording the account number of a related savings account. The personal identification number specified by the applicant at the time of application is also registered as the loan account master information.

  In addition to the master account information of the loan account, the maximum amount of the contract that is the limit amount of the loan, the account opening date when the loan account is opened, and the contract term of the loan are registered. These data are used for the judgment at the time of withdrawal of borrowings from the account. For example, withdrawal requests exceeding the maximum contract amount, withdrawal requests exceeding the contract deadline, etc. are referred to the data. Money is rejected. With regard to the account opening date, when providing the same day withdrawal service limited to the account opening date to ensure safety, the date of accepting the withdrawal request is compared with the date to determine whether or not withdrawal is possible. To do. In the example of FIG. 4, in addition to this, a withdrawal flag is provided. For example, when the number of withdrawals is limited to one, when the withdrawal is performed once, the flag is changed to withdrawal, and the number of withdrawals is limited to a certain amount. Is set, a flag indicating the total number of withdrawals is set, and whether or not withdrawal is possible is determined based on whether or not the next withdrawal request is received and whether or not it is within the limit range.

  In addition to this, “customer number” as identification information is automatically assigned for each loan account as a means for authenticating the person in place of the cash card at the time of withdrawal from the loan account. Any number or symbol may be used for the customer number, but if there is a risk of incorrect input, such as via operator's manual input, the authentication information will be given It is preferable that authentication information is returned in the process until it is generated by an algorithm and notified to the contractor, and verified by conversion to check for erroneous input or the like. In FIG. 3 and FIG. 4, as an example of applying a predetermined algorithm to an account number, a customer number is generated by arranging a number in which the last 3 digits are arranged in reverse from the upper 3 digits of the account number. The original data for generating the customer number is not limited to the account number, and other data such as CIF, store number, telephone number, or a combination thereof may be used.

  As described above, when a loan account is opened and predetermined data is registered in the account file 21, the account number and customer number of the loan account are notified from the bank host 20 to the bookkeeping terminal 13, and the bookkeeping terminal 13 Is received (S24). The person in charge of opening the loan account who operates the bookkeeping terminal 13 notifies the account number and customer number of the accepted loan account to the operator, and the operator inputs these data to the operator terminal 11 (S25). The entered customer number is returned and converted by the operator terminal 11 using a predetermined algorithm (S26), it is determined whether or not it matches the account number (S27), and it is confirmed whether or not there is an error in the customer number.

  If the account number does not match as a result of the confirmation, input to the operator terminal 11 is performed again (S25). If it matches the account number, data relating to the loan account number and the customer number is transmitted to the application terminal 30 (S28). The applicant outputs a customer account containing the loan account number and customer number from the application terminal 30 and moves to a withdrawal terminal 40 such as an ATM to withdraw from the loan account.

  In the description so far, operations such as input / output in the loan account acceptance system 10 are performed separately for the operator terminal 11, the business support terminal 12, and the bookkeeping terminal 13, but these are the current banking operations. It has been described along the processing procedure on the premise of sharing, and these processes may be shared by terminals different from the above, for example, executed in one terminal device, Automatic processing may be performed by a computer without human intervention. In other words, transmission of the main examination information from the operator to the examiner, transmission of the savings account opening from the examiner to the loan account opening person, transmission of the loan account and customer number from the loan account opening person to the operator These may be automatically transmitted / received using a computer and a communication network, or may be configured to be continuously processed by the same computer.

  Subsequently, the applicant operates a withdrawal terminal 40 such as an ATM to request withdrawal from a loan account. A menu such as “same day cashing” is provided on the operation screen of the withdrawal terminal 40, and the applicant selects this and inputs a loan account number, a personal identification number, and a customer number according to the instructions on the screen. Since the customer number is notified only to the person who applied for the application at the application terminal 30, it is used for ensuring safety in place of the cash card functioning as the user authentication medium at the time of normal withdrawal.

  The flowchart of FIG. 8 shows a flow in which a withdrawal request is accepted from the withdrawal terminal 40 and the bank host 20 determines whether or not withdrawal is possible. When the bank host 20 receives the data specifying the loan account number, personal identification number, customer number and withdrawal amount input from the withdrawal terminal 40 by the applicant (S31), the bank file 21 corresponding to the loan account number. The record is identified and the registered data is referred to (S32). The bank host 20 stores a program for determining whether or not withdrawal is possible from the above data, and executes a process for determining whether or not withdrawal is described below.

  First, the account file 21 is searched for a record corresponding to the accepted loan account number, and the presence of the designated loan account is confirmed (S33). If the loan account does not exist, data for instructing the withdrawal terminal 40 to display an error is transmitted (S38). If a loan account exists, proceed to the next step.

  Next, a customer number is acquired from the record corresponding to the accepted loan account number, and it is confirmed whether or not it matches the accepted customer number (S34). If they do not match, data for instructing the withdrawal terminal 40 to display an error is transmitted (S38). If they match, go to the next step.

  Next, a personal identification number is obtained from the record corresponding to the accepted loan account number, and it is confirmed whether or not it matches the accepted personal identification number (S35). If they do not match, data for instructing the withdrawal terminal 40 to display an error is transmitted (S38). If they match, go to the next step.

  Next, an account opening date is acquired from the record corresponding to the accepted loan account number, and it is confirmed whether or not it matches the date on which the withdrawal request is accepted (S36). If they do not match, data for instructing the withdrawal terminal 40 to display an error is transmitted (S38). Withdrawal requests cannot be accepted if a withdrawal request is made beyond the account opening date, withdrawals with customer numbers are valid only on that day, and safety in case a customer number is illegally obtained at a later date Can be secured. Here, as described with reference to FIG. 4, the number of withdrawals may be limited with reference to the withdrawal flag. If the dates match, go to the next step.

  Finally, the contract maximum amount is acquired from the record corresponding to the accepted loan account number, and it is confirmed whether or not the accepted withdrawal amount is exceeded (S37). In this step, it is preferable to refer to whether or not the account has already been withdrawn or whether there is a borrowing balance and to determine that an error has occurred when there is a balance. If the withdrawal amount is exceeded, data for instructing the withdrawal terminal 40 to display an error is transmitted (S38). If the number of withdrawals is limited with reference to the withdrawal flag as shown in FIG. 4, it is not the contract maximum amount that is compared with the desired withdrawal amount. The amount of money that can be withdrawn is reduced by reducing the borrowing balance. In this case, the maximum contract amount and the borrowing balance may be recorded in the account file 21, and the withdrawal amount may be calculated by a program stored in the bank host 20. You may comprise so that the withdrawable amount calculated from the extreme amount and the borrowing balance may be recorded.

  In the above step, if the desired withdrawal amount does not exceed the contract maximum amount, it is determined that withdrawal is possible, and the bank host 20 transmits a withdrawal instruction to the withdrawal terminal 40 (S39). In addition, the withdrawal balance is recorded as the loan balance of the loan, and the negative balance of the loan account is recorded in the account file 21 (S40). Thus, the processing of the bank host 20 is completed, and the applicant can withdraw cash from the withdrawal terminal 40.

It is a block diagram which shows the structure of the loan account withdrawal management system concerning this invention. It is a figure which shows an example of the record of the ordinary deposit account master provided in the account file of a host computer in the loan account withdrawal management system concerning this invention. It is a figure which shows the 1st example of the record of the loan deposit account master provided in the account file of a host computer in the loan account withdrawal management system concerning this invention. It is a figure which shows the 2nd example of the record of the loan deposit account master provided in the account file of a host computer in the loan account withdrawal management system concerning this invention. It is a flowchart which shows the flow which receives loan account opening among the withdrawal management methods from the loan account concerning this invention. It is a flowchart which shows the flow of examination of loan account opening among the withdrawal management methods from a loan account concerning the present invention. It is a flowchart which shows the flow which notifies loan account opening among the withdrawal management methods from the loan account concerning this invention. It is a flowchart which shows the flow which receives the payment request | requirement from a loan account among the payment management methods from the loan account concerning this invention. It is a figure which shows the relationship between a loan account and a savings account.

Explanation of symbols

10 loan account acceptance system 11 operator terminal 12 business support terminal 13 bookkeeping terminal 20 bank host 21 account file 30 application terminal 40 withdrawal terminal

Claims (7)

A loan account withdrawal management system capable of withdrawing cash from a cash withdrawal device without using a cash card from a loan account used for borrowing funds,
A loan application receiving means for receiving application information necessary for borrowing application including a personal identification number of a loan account selected by the user through a communication network from an application terminal device operated by the user;
For an application approved to accept the borrowing of funds from the application information, a record corresponding to the newly opened loan account is provided, and the account number assigned to the loan account, the loan application receiving means has received Loan account information storage means for storing master information regarding a loan account including a personal identification number, authentication information used for withdrawal from the loan account, and an opening date of the loan account;
Withdrawable information including the account number and the authentication information, withdrawable information transmitting means for transmitting to the application terminal device through a communication network;
Withdrawing request accepting means for accepting, via a communication network, withdrawal request information including an account number, personal identification number and authentication information input by the user to the cash withdrawal apparatus from the cash withdrawal apparatus operated by the user; ,
Whether to withdraw or not is determined by comparing the withdrawal request information with the master information recorded in the record corresponding to the account number included in the withdrawal request information of the loan account information storage means. A determination means;
A withdrawal instruction transmitting means for transmitting a withdrawal instruction to the cash dispensing apparatus when it is determined that the withdrawal is possible by the withdrawal enable / disable judging means;
The withdrawal determination unit determines whether the withdrawal request information is included in the master information when at least the PIN and authentication information included in the withdrawal request information do not match the master information. A loan account withdrawal management system, characterized in that it is determined that withdrawal is not possible if it does not match the opening date. A loan account withdrawal management system capable of withdrawing cash from a cash withdrawal device without using a cash card from a loan account used for borrowing funds,
A loan application receiving means for receiving application information necessary for borrowing application including a personal identification number of a loan account selected by the user through a communication network from an application terminal device operated by the user;
For an application approved to accept the borrowing of funds from the application information, a record corresponding to the newly opened loan account is provided, and the account number assigned to the loan account, the loan application receiving means has received Loan account information storage means for storing master information regarding a loan account including a personal identification number and authentication information used for withdrawal from the loan account;
From the withdrawal possible information transmitting means for sending withdrawal possible information including the account number and the authentication information to the application terminal device through a communication network, and the cash withdrawal device operated by the user, the user Withdrawal request acceptance means for accepting withdrawal request information including the account number, password, and authentication information input to the cash withdrawal apparatus through a communication network;
Whether to withdraw or not is determined by comparing the withdrawal request information with the master information recorded in the record corresponding to the account number included in the withdrawal request information of the loan account information storage means. A determination means;
A withdrawal instruction transmitting means for transmitting a withdrawal instruction to the cash dispensing apparatus when it is determined that the withdrawal is possible by the withdrawal enable / disable judging means;
The record provided in the loan account information storage means is provided with a field for recording a flag indicating a withdrawal status from the loan account,
The withdrawal enable / disable judging means determines the withdrawal when at least a password included in the withdrawal request information does not match the master information, and when authentication information contained in the withdrawal request information does not match the master information. When a flag indicating withdrawal has been recorded in the record corresponding to the account number included in the request information, the record corresponding to the account number included in the withdrawal request information has reached the predetermined number of possible withdrawals When the flag which shows is recorded, it determines withdrawing impossible, The loan account withdrawal management system characterized by the above-mentioned. The master information of the loan account information storage means includes a contract maximum amount set in the loan account,
The withdrawal request information received by the withdrawal request acceptance means includes the withdrawal request amount input by the user to the cash withdrawal apparatus,
The loan account withdrawal management system according to claim 1 or 2, wherein the withdrawal allowance determination means determines that withdrawal is permitted when the withdrawal request amount is within the range of the contract maximum amount. . The master information of the loan account information storage means includes a contract maximum amount set in the loan account and a loan balance of the loan account,
The withdrawal request information received by the withdrawal request acceptance means includes the withdrawal request amount input by the user to the cash withdrawal apparatus,
The withdrawal determination unit determines that the withdrawal is possible when the withdrawal request amount is within a possible withdrawal amount obtained by subtracting the borrowing balance from the contract maximum amount. The loan account withdrawal management system according to 1 or 2. When providing a record corresponding to a newly opened loan account in the loan account information storage means, an authentication information generation means for generating authentication information by applying a predetermined algorithm to the account number;
Authentication information verification means for verifying authentication information included in the withdrawal possible information transmitted by the withdrawal possible information transmission means by performing a back conversion of the algorithm;
The loan account withdrawal management system according to any one of claims 1 to 4, further comprising: It is a withdrawal management method from a loan account that uses a cash withdrawal device without using a cash card from a loan account used for borrowing funds,
A loan account reception system receiving application information necessary for an application for borrowing money including a personal identification number of a loan account selected by a user through a communication network from an application terminal device operated by the user;
A host computer provides a record corresponding to a newly opened loan account for an application approved to accept the borrowing of funds from the application information, the account number assigned to the loan account, and the acceptance of the loan account Storing in the loan account information storage unit the master information related to the loan account, including a personal identification number accepted by the system, authentication information used for withdrawal from the loan account, and an opening date of the loan account;
The loan account reception system transmitting withdrawal information including the account number and the authentication information to the application terminal device through a communication network;
The host computer accepts, via a communication network, withdrawal request information including an account number, a personal identification number, and authentication information input by the user to the cash withdrawal apparatus from a cash withdrawal apparatus operated by the user. When,
The host computer compares the withdrawal request information with the master information recorded in the record corresponding to the account number included in the withdrawal request information in the loan account information storage unit, and determines whether or not withdrawal is possible. A determining step;
The host computer has a step of sending a withdrawal instruction to the cash withdrawal device when it is judged that withdrawal is possible in the step of judging whether or not the withdrawal is possible;
In the step of determining whether or not withdrawal is possible, the master information includes a date when the withdrawal request information is accepted if at least a password and authentication information included in the withdrawal request information do not match the master information. A method for managing withdrawals from a loan account, characterized in that if the date does not match the opening date of the loan account, it is determined that withdrawal is not possible. It is a withdrawal management method from a loan account that uses a cash withdrawal device without using a cash card from a loan account used for borrowing funds,
A loan account reception system receiving application information necessary for an application for borrowing money including a personal identification number of a loan account selected by a user through a communication network from an application terminal device operated by the user;
A host computer provides a record corresponding to a newly opened loan account for an application approved to accept the borrowing of funds from the application information, the account number assigned to the loan account, and the acceptance of the loan account Storing in the loan account information storage unit master information relating to the loan account including a password received by the system and authentication information used for withdrawal from the loan account;
The loan account reception system transmits the withdrawal information including the account number and the authentication information to the application terminal device through a communication network, and the cash withdrawal device operated by the user by the host computer. From the step of accepting withdrawing request information including the account number, password, and authentication information input to the cash withdrawal apparatus by the user through a communication network;
The host computer compares the withdrawal request information with the master information recorded in the record corresponding to the account number included in the withdrawal request information in the loan account information storage unit, and determines whether or not withdrawal is possible. A determining step;
The host computer has a step of sending a withdrawal instruction to the cash withdrawal device when it is judged that withdrawal is possible in the step of judging whether or not the withdrawal is possible;
The record provided in the loan account information storage unit is provided with a field for recording a flag indicating a withdrawal status from the loan account,
In the step of determining whether or not withdrawal is possible, if at least a PIN included in the withdrawal request information does not match the master information, if authentication information contained in the withdrawal request information does not match the master information, When a flag indicating withdrawal has been recorded in the record corresponding to the account number included in the withdrawal request information, the record corresponding to the account number included in the withdrawal request information has a predetermined number of possible withdrawals. A method for managing withdrawals from a loan account, characterized in that, when a flag indicating arrival has been recorded, it is determined that withdrawal is impossible.