JP2005346394A - Transfer information processing system and method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a transfer information processing system easily specifying a transfer client using a substituting account number for effectively using system resources for improvement in processing efficiency and improvement in the convenience of a receiver of transferred funds and a bank and the like executing transfer processing. <P>SOLUTION: As to a shop number and an account number of a transfer destination designated by the transfer client in transfer, the shop number is used as a key for determining whether the substitution of the account number is required or not, and the substitution processing of the account number is operated when a predetermined substituting shop number is designated. In addition to the shop number, upper four digits of the substituting account number are related to an actual account of a payee performing deposit processing by substituting the account number, and deposit processing is carried out by substituting an actual account related with the shop number and the account number. Lower three digits of the account number can be used as an area optionally usable by the payee as a client of a bank and the like performing transfer processing for an identification code specifying a payer. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a transfer information processing system and a transfer information processing method capable of providing transfer information for easily specifying a transfer requester in a transfer process to a deposit account.

  When receiving the price of goods or services, it is widely performed that a recipient designates a deposit account as a payment destination of the price and accepts the payment by transfer. In such a case, if the number of payers who transfer money to the same deposit account becomes enormous, the recipient of the price will be complicated to perform the so-called “clearing” work for checking whether there is payment for each partner. Is a problem.

  Ordinary bank transfers are made in accordance with the Zengin format, which is the standard format for settlement between banks. In the Zengin format, the transfer requester is specified by the katakana notation of the name. The transfer requester's katakana notation can be used as a key when performing. However, when there are a plurality of payers who have the same name and the same name, there is a limit that the payer cannot be specified with certainty only by the katakana notation of the transfer requester. In addition, when the payer makes a cash transfer, etc. by ATM instead of from his / her own savings account, he / she has to operate the katakana input of his / her name, and it becomes difficult to identify the person if an input error occurs. Also have.

  In addition, in the Zengin format, data of up to 20 characters can be added as additional information of transfer information as so-called EDI information for specifying a transfer requester or the like. However, it is currently rarely used due to restrictions on the number of characters and the necessity of registration for use of both, and as such EDI information, even if the transfer requester is prompted to enter an identification code at the time of transfer, for example, If a person mistakenly inputs such an identification code, it becomes difficult to specify a payer.

  In order to deal with the problem regarding the identification of the transfer requester at the time of the transfer request, the applicant replaces the transfer-dedicated account specified in the transfer request with the account in the name of the payee and performs the deposit process. It discloses an invention that can easily identify the transfer requester of each transfer request by storing the account identification information and the information related to the transfer requester (see Patent Document 1 and Patent Document 2).

  Also, prepare a related account associated with the payer, collect the transfer to the related account and concentrate it on a specific account for summarization, output the account number of the related account to which the funds were transferred, or store it as a payment statement The invention concerning the method for specifying the payer to perform is disclosed (refer to patent documents 3 and 4).

JP 2000-353200 A JP 2001-243352 A JP 2000-82101 A JP 2000-293610 A

  In each of the above inventions, the deposit number is transferred to the account number for receiving funds, and the deposit process is performed, and the identification information such as the account number of the deposit dedicated account is used to identify the transfer requester. It is used as a key. By using such a method, it is possible to easily identify the transfer requester from the account number of the dedicated transfer account attached to the transfer information by associating the account number of the dedicated transfer account with the transfer requester. Become.

  For example, in the inventions described in Patent Documents 3 and 4, a transfer-dedicated account associated with each payer is set (see paragraph numbers 0022 and 0029 of Patent Document 3), and the account number of the transfer-dedicated account is designated. In response to the transfer request, the deposit process is concentrated on the account number of the account for actually receiving funds (see paragraph numbers 0025, 0039, etc. of Patent Document 3), and the transfer is made to the respective deposit details. An account number of a dedicated account is assigned (see paragraph numbers 0023, 0037, etc. of Patent Document 3), and the payer can be easily specified.

  The above method makes it possible to identify a payer. On the other hand, in this method, the following problems arise.

  First, in this method, the account number of the recipient account that actually receives the funds is associated with the account number of the dedicated account for the transfer, but the account number of the bank deposit account that is normally used for the transfer is 7 digits. It consists of a number string. Then, in order to determine whether or not the account number specified in the transfer request received by the transfer processing system is the account number of the dedicated account for the transfer, for all seven numbers specified by the 7-digit account number, The number of the table in which the association is recorded must be collated (see paragraph number 0034 in Patent Document 3). Such collation of all 7-digit numbers places a heavy burden on the system processing, and a bank or the like that performs the transfer processing needs a large system investment burden. It is preferable that a numeric string or a character string used as a key in account number reading is simpler.

  Moreover, in the transfer request received by the transfer processing system, the transfer request to the general account that does not need to read the account number is usually normal, and all the transfer requests are read while receiving many normal transfer requests. It is considered that the verification of the account number for is lacking in efficiency as a processing procedure. In order to improve the efficiency of the system processing of the bank or the like that performs the transfer process, it is preferable to select in advance the transfer requests that require the account number to be replaced.

  Furthermore, in the above system, the account number used as the account number of the bank account dedicated to transfer is not used for opening a general account (see paragraph number 0029 of Patent Document 3). For the account number, you can use a 7-digit number string for each store specified by the store number. However, if you set a large number of account numbers for the dedicated account for transfer, the account number will be consumed more than usual. In other words, there is a possibility that a shortage of account numbers may occur at a store where there are many large-scale corporate transactions. In order to avoid such a situation, it is preferable that the account number of the account dedicated for transfer can be set in a range that is not used for a general account.

  Further, in the above-described method, the account number of the dedicated account for transfer is set for each payer who is the customer of the payee, and is associated with the account number of the payee account and registered in a transfer processing system such as a bank ( (See paragraph number 0029 of Patent Document 3). In other words, in the bank transfer processing system, the account number of the account dedicated to the transfer will be issued for each payer, but usually the management in the payer unit is a matter necessary for the payee who is the customer of the bank etc. Yes, it is not a matter that the bank that performs the transfer process needs to be directly involved with. The bank is the only customer who receives the request for the bank, etc., but the account number of the bank account for the transfer is issued by the payer, not by the payee. Therefore, it is necessary to manage a large number of account numbers, and there arises a problem that the management becomes complicated as to which recipient number is lent from which number to which number. In this regard, since management on a payer basis is an item that is essentially required only on the payee side, banks, etc., lend only the account number frame of the dedicated transfer account required on a payee basis, and payer basis The account number is preferably set on the recipient side.

  The first object of the present invention is to provide a system and method relating to processing of transfer information in which the transfer requester can be easily identified as in Patent Documents 1 to 4, and secondly. Is to provide a transfer information processing system and a transfer information processing method that improve the convenience of the recipient of the funds by transfer and the bank that executes the transfer process, by effectively utilizing system resources to improve the processing efficiency. It is the purpose.

  A first invention that solves the problem in the present application is a destination transfer message receiving unit that receives a destination transfer message that specifies the contents of a transfer process in which an account number of a payee account is specified, and is specified in the destination transfer message If the account number of the received recipient account is a replacement account number, the account number of the deposit account that executes the deposit process by replacing the account number of the recipient account is determined as a part of the account number of the recipient account. Account number reading information storage means stored in association with a certain X-digit number string, and an X-digit number string of the account number of the recipient account included in the destination transfer message received by the destination transfer message reception means The X-digit number string of the account number of the payee account detected by the number string detecting means is referred to as the account number for reading, account A deposit account number acquiring means for acquiring the account number of the deposit account associated with the X digit number string of the account number of the payee account detected by the number string detecting means, and a deposit A deposit processing means for updating the deposit balance corresponding to the account number of the deposit account stored in the account ledger database for managing the balance of the account to reflect the deposit processing of the transfer amount specified in the destination transfer message; Transfer information recording means for recording the transfer information related to the transfer process in the history information related to the transfer process executed according to the destination transfer message, in the history information storage unit that stores the history information of the deposit account ledger The transfer information recording means records, as the transfer information, at least an account number of a payee account specified in the destination transfer message. It is a processing system.

  Further, the first invention is a destination transfer message receiving means for receiving a destination transfer message specifying the content of the transfer process in which the account number of the payee account is specified, and a recipient specified in the destination transfer message. When the account number of the account is a replacement account number, the account number of the deposit account that executes the deposit process by replacing the account number of the payee account is the X digit that is part of the account number of the payee account. Account number replacement information storage means stored in association with a number string, and a number string detection for detecting an X-digit number string of the account number of the payee account included in the destination transfer message received by the destination transfer message reception means And an X-digit number string of the account number of the recipient account detected by the number string detecting means is associated with the account number of the deposit account as the replacement account number. Being The deposit account number acquisition means for acquiring the account number of the deposit account associated with the X-digit number string of the account number of the payee account detected by the number string detection means, and manages the balance of the deposit account A deposit processing means for updating the deposit balance corresponding to the account number of the deposit account stored in the account ledger database to reflect the deposit processing of the transfer amount specified in the destination transfer message, and the destination transfer A payment statement creating means for creating a payment statement recording transfer information related to the transfer process executed in accordance with the message, and the payment statement creation means is designated as at least the destination transfer message as the transfer information. It can also be configured as a transfer information processing system characterized by creating an account number of a recipient account.

  In the first invention, when making a transfer request to a payee account, a transfer account number used to identify the transfer requester is used instead of the account number of the payee's payment account that is actually processed for payment. However, if a replacement account number is designated as the transfer destination, the deposit number is replaced with the account number of the original deposit account from the replacement account number, and the deposit process is executed. In this case, instead of specifying the digit string of all the digits of the replacement account number, which is usually 7 digits, and linking it to the account number of the deposit account, some digits of the replacement account number, for example, the upper 4 digits If you specify a number string and associate it with the account number of the deposit account, when referring to the account number read information storage means whether the account number specified by the transfer requester is an account number for replacement, It becomes possible to identify only by comparing 4-digit numerical values, and the burden on system processing can be greatly reduced.

  In the first invention, the “X digit” which is a part of the account number of the payee account may have any number of digits as long as it is 6 digits or less with respect to the account number which is usually 7 digits. However, the base point for counting the number of digits, such as from the top to the bottom, is not specified. For example, if the X digit is the upper 4 digits, the remaining lower 3 digits have no effect on the replacement of the account number in the transfer processing system, so the recipient who receives the transfer can freely set, Depending on the number of reread accounts that the recipient wants to use, the number of X digits may be arbitrarily set, for example, up to 10 cases, 6 digits, up to 100 cases, 5 digits. Incidentally, the reason why the X-digit number string is used for a part of the account number is that the account number normally used in the bank deposit account is a seven-digit number string. When characters are to be used, the X-digit number string may include not only numbers but also characters.

  In the above case, if a single authentication code for replacement specifying the upper 4 digit number string is given to one recipient, the recipient designates the lower 3 digits 1,000 from 000 to 999. Thus, it is possible to set a replacement account number for identifying 1,000 payers at his / her discretion. For banks that perform transfer processing, it is only necessary to assign such an authentication code that is set on a payee basis and associate it with the payee's deposit account, and it is not necessary to set a replacement account number on a payer basis. Therefore, management of the account number for replacement can be simplified.

  A second invention for solving the problem in the present application is a destination transfer message receiving means for receiving a destination transfer message specifying the contents of a transfer process in which a store number and an account number of a recipient account are specified, and the destination transfer message. If the store number of the payee account specified in is a store number for replacement, the store number is stored in association with the store number of the payee account, which stores the store number of the payee account by replacing the store number of the payee account and executing the deposit process. Information storage means, and when the account number of the payee account specified in the destination transfer message is a read account number, the account number of the deposit account that executes the deposit process by replacing the account number of the payee, Account number replacement information storage means stored in association with an X-digit number string that is at least a part of the account number of the recipient account, and the destination transfer message received by the destination transfer message reception means A store number detecting means for detecting a store number of a payee account, and determining whether the store number of the payee account detected by the store number detecting means corresponds to a replacement store number used for specifying a replacement account number. When the replacement store number determination unit and the replacement store number determination unit determine that the store number of the recipient account detected by the store number detection unit corresponds to the replacement store number, the store number replacement information storage unit is referred to, and Acquire the store number of the deposit account corresponding to the store number of the payee account specified in the destination transfer message, and refer to the account number read information storage means, and the account of the payee account specified in the destination transfer message A deposit account number acquiring means for acquiring an account number of a deposit account corresponding to an X-digit number string which is at least a part of the number, and the deposit stored in an account ledger database for managing a balance of a deposit account History information storage for storing the deposit information corresponding to the account number of the store number of the account to reflect the deposit processing of the transfer amount specified in the destination transfer message, and history information of the deposit account ledger Transfer information recording means for recording the transfer information related to the transfer process in the history information related to the transfer process executed according to the destination transfer message, the transfer information recording means, as the transfer information, The transfer information processing system is characterized in that at least an account number of a payee account designated in the destination transfer message is recorded. The transfer information recording means may record a store number of a payee account specified in the destination transfer message as the transfer information.

  Further, the second invention is directed to a destination transfer message receiving means for receiving a destination transfer message specifying the contents of the transfer process in which the store number and the account number of the payee account are specified, and specified in the destination transfer message. Store number replacement information storage means for storing a store number of a deposit account for executing a deposit process by replacing the store number of the recipient account when the store number of the payee account is a replacement store number; , If the payee account number specified in the destination transfer message is a replacement account number, the payee account number is replaced with the payee account number to read the payee account number and execute the payment process. Account number replacement information storage means for storing in association with an X-digit number string that is at least a part of the account number, and the recipient account included in the destination transfer message received by the destination transfer message reception means A store number detecting unit for detecting a number, and a store number determining unit for replacement for determining whether the store number of the recipient account detected by the store number detecting unit corresponds to a store number for replacement used for specifying a replacement account number; When the replacement store number determination means determines that the store number of the payee account detected by the store number detection means corresponds to the replacement store number, the store number replacement information storage means is referred to and designated in the destination transfer message. The store number of the deposit account corresponding to the store number of the payee account, and referring to the account number read information storage means, at least a part of the account number of the payee account specified in the destination transfer message A deposit account number obtaining means for obtaining an account number of a deposit account corresponding to a certain X-digit number string, and an account number of the store number of the deposit account stored in an account ledger database for managing the balance of the deposit account Payment details that record the transfer information related to the transfer process executed in accordance with the received transfer message, and the deposit processing means for updating the corresponding deposit balance to reflect the transfer process of the transfer amount specified in the received transfer message Payment statement creation means, and the payment statement creation means creates at least an account number of a payee account specified in the destination transfer message as the transfer information. It can also be configured as a transfer information processing system. The deposit details creating means may record a store number of a payee account specified in the destination transfer message as the transfer information.

  In the second invention as well, when making a transfer request to a payee account, the account number for replacement used to specify the transfer requester is used instead of the account number of the payee's payment account where the payment process is actually performed. If the transfer account number is used as the transfer destination, the account number for the deposit process is replaced with the account number of the original deposit account from the read account number, This is similar to the first invention. When specifying a bank account at the time of transfer request, in addition to the account number, usually the store number of the department in charge of the account (in the transfer request operation from ATM etc., the store number is selected by selecting the branch name etc. In the second invention, a replacement store number different from the store number of the existing store is set as the store number, which is a key indicating that the replacement account number is specified. When the account number for replacement is used, by designating the store number for replacement as the store number, it is possible to quickly identify whether or not the account number needs to be replaced at the stage of confirming the store number. With this setting, normal transfer processing that does not require account number re-reading can be selected in advance at the store number check stage and excluded from the account number comparison process with reference to the account number re-read information storage means. The system processing is remarkably streamlined, and the burden on the system processing can be greatly reduced.

  Further, by using a replacement store number different from the store number of the existing store as in the second invention, a large amount of account numbers are consumed by setting the replacement account number in the store number of the existing store. It is also possible to avoid a situation where a shortage of account numbers occurs.

  In the second invention, the account number for replacement and the account number of the deposit account may be linked using the entire account number described in the prior art as a key, or the account number as in the first invention. A number string of some digits of the number may be linked as a key. In addition, the account number recorded as part of the transfer information used to identify the transfer requester may use only the account number designated by the transfer requester as the recipient account, It may include the store number of the replacement store number used specifically.

  A third invention for solving the problems in the present application is a destination transfer message receiving means for receiving a destination transfer message specifying the contents of a transfer process in which a store number and an account number of a recipient account are specified, and the destination transfer message. If the store number and account number of the payee account specified in the above are the account numbers for replacement, the store number and account number of the deposit account that executes the deposit process by replacing the store number and account number of the payee account, Account number replacement information storage means for storing in association with the store number of the account and an X-digit number string which is a part of the account number, and the recipient account included in the destination transfer message received by the destination transfer message reception means A store number detecting unit for detecting a store number, and a store number determining unit for reading to determine whether the store number of the payee account detected by the store number detecting unit corresponds to a store number for replacement used for specifying the account number for replacement. And when the store number determining means for re-reading determines that the store number of the recipient account detected by the store number detecting means corresponds to the store number for re-reading, referring to the account number re-reading information storage means, the destination transfer message The account number acquisition means for acquiring the store number and account number of the deposit account corresponding to the store number of the payee account and the X-digit number string that is part of the account number, and the account that manages the balance of the deposit account A deposit processing means for updating the deposit balance corresponding to the store number of the deposit account stored in the ledger database to reflect the deposit processing of the transfer amount specified in the destination transfer message, and a deposit account ledger Transfer information recording means for recording transfer information related to the transfer process in history information related to the transfer process executed in accordance with the destination transfer message in a history information storage unit that stores history information. There are, the transfer information recording means, as the transfer information, a transfer processing system characterized by recording at least the account number of the designated payee account the destination transfer message. The transfer information recording means may record a store number of a payee account specified in the destination transfer message as the transfer information.

  Further, the third invention is directed to a destination transfer message receiving means for receiving a destination transfer message specifying the contents of the transfer process in which the store number and the account number of the payee account are specified, and specified in the destination transfer message. When the store number and the account number of the payee account are the account numbers for replacement, the store number and the account number of the deposit account for performing the deposit process by replacing the store number and the account number of the payee account, and the store number of the payee account Account number replacement information storage means for storing in association with an X-digit number string that is a part of the account number, and a store number of the payee account included in the destination transfer message received by the destination transfer message reception means. A store number detecting unit; a store number determining unit for determining whether a store number of a recipient account detected by the store number detecting unit corresponds to a store number for replacement used to identify the account number for replacement; and the replacement for When the number determination means determines that the store number of the recipient account detected by the store number detection means corresponds to the store number for replacement, the recipient specified in the destination transfer message with reference to the account number replacement information storage means Stored in an account ledger database that manages the balance of the deposit account and the deposit account number acquisition means for acquiring the store number and account number of the deposit account corresponding to the X-digit number string that is part of the account store number and account number Deposit processing means for updating the deposit balance corresponding to the account number of the store number of the deposit account to reflect the deposit processing of the transfer amount specified in the destination transfer message, and the transfer executed according to the destination transfer message A payment statement creation means for creating a payment statement that records transfer information relating to processing, and the payment statement creation means includes at least the destination transfer message as the transfer information. It can be configured as a transfer information processing system, characterized by creating an account number of the constant has been the recipient account. The deposit details creating means may record a store number of a payee account specified in the destination transfer message as the transfer information.

  In the third invention as well, when making a transfer request to a payee account, the account number for replacement used to specify the transfer requester is used instead of the account number of the payee's payment account where the payment process is actually performed. If the transfer account number is used as the transfer destination, the account number for the deposit process is replaced with the account number of the original deposit account from the read account number, This is the same as the first invention and the second invention. In the third invention, similarly to the second invention, the account number from the store number is set by setting a replacement store number different from the store number of the existing store which is a key indicating that the replacement account number is designated as the store number. Transfer request by identifying the necessity of rereading the number promptly and specifying a digit string of some digits of the replacement account number and linking it with the account number of the deposit account, as in the first invention When referring to the account number reading information storage means whether or not the account number specified by the person is a reading account number, the system processing is remarkably identified by quickly comparing only some digits. It is possible to improve efficiency and greatly reduce the burden on system processing.

  The “X digit” which is a part of the account number of the recipient account may be any number of digits as long as it is 6 digits or less with respect to the account number which is usually 7 digits. As in the case of the first invention, the base point for counting the number of digits such as from the lower order is not specified. In addition, the account number recorded as part of the transfer information used to identify the transfer requester may use only the account number designated by the transfer requester as the recipient account, It is the same as in the case of the second invention that the store number of the replacement store number used specifically may be included.

  Furthermore, the transfer information processing system of each structure in this invention can also be grasped | ascertained as a transfer information processing method using the transfer information processing system concerning each structure.

  According to the present invention, in a transfer information processing system that makes it easy to identify a transfer requester using an account number for rewriting, system resources are effectively used to make system processing more efficient, and the recipient and transfer process of funds by transfer are executed. It is possible to improve the convenience of the bank.

  Specifically, all of the account numbers specified by the transfer requester at the time of the account number replacement are used by using a digit string of some digits of the account number as an authentication code linked to the account number of the recipient's deposit account. Even if the number of digits is not verified, the account number of the payee's deposit account can be specified by verifying some digits, so that the burden on the system processing is significantly reduced. Further, the recipient can arbitrarily manage the lower digits of the authentication code, thereby reducing the burden of managing the account number of the bank or the like that executes the transfer process.

  In addition, by setting a replacement store number in the store number specified at the time of transfer request, if it is necessary to replace the account number of the payee account, a rule is given to specify the replacement store number, so that It is possible to significantly reduce the burden on the system processing for checking the account number in order to determine the necessity of rereading the account number by selecting the transfer process in advance at the store number check stage. By using the replacement store number, it is not necessary to set the replacement account number in the store number of the existing store, so it is possible to avoid the situation that the account number for the general account is insufficient due to the setting of the replacement account number become.

  The best mode for carrying out the present invention will be described below in detail with reference to the drawings. In the following, an existing store that designates a part of the digit number of the account number for replacement and associates it with the account number of the deposit account and serves as a key indicating that the account number for replacement is specified. An embodiment of the third invention that uses a replacement store number different from the store number will be described. However, the present invention is not limited to such an embodiment, and a digit string of a part of the replacement account number is designated. 1st invention that adopts only the configuration linked to the account number of the deposit account, only the configuration using a replacement store number different from the store number of the existing store that is a key indicating that the replacement account number is specified It is good also as adopting and implementing only any one structure of 2nd invention which employ | adopts.

  FIG. 1 is a diagram showing the structure of a replacement store number / account number used in the transfer information processing system according to the present invention. FIG. 2 is a block diagram showing the configuration of the transfer information processing system according to the present invention. FIG. 3 is a diagram showing an outline of a flow of transfer information processing by the transfer information processing system according to the present invention. FIG. 4 is a flowchart showing the processing flow of the exchange system in the transfer information processing system according to the present invention. FIG. 5 is a flowchart showing the processing flow of the deposit system in the transfer information processing system according to the present invention. FIG. 6 is a diagram showing a correspondence relationship between a destination transfer message and a deposit account ledger in the transfer information processing system according to the present invention. FIG. 7 is a diagram showing an example of a destination transfer message received in the transfer information processing system according to the present invention. FIG. 8 is a diagram showing an example of a conversion table between a reading account number and a depositing account number in the transfer information processing system according to the present invention. FIG. 9 is a diagram showing an example of summary information for specifying a transfer requester created from a destination transfer telegram in the transfer information processing system according to the present invention. FIG. 10 is a diagram showing an example of transfer information including information for specifying a transfer requester to be transferred from the exchange system to the deposit system in the transfer information processing system according to the present invention. FIG. 11 is a diagram showing an example of history information recorded in the deposit account ledger in the transfer information processing system according to the present invention. FIG. 12 is a diagram showing an example of a transfer message stored in the exchange date management database in the transfer information processing system according to the present invention. FIG. 13 is a diagram showing an example of a method of using a replacement account number used in the transfer information processing system according to the present invention.

  FIG. 1 shows a basic structure of a replacement store number / account number used in the transfer information processing system according to the present invention. Normally, a bank deposit account consists of a 3-digit store number and a 7-digit account number. Of the store number / account number of the transfer destination designated by the transfer requester, the store number needs to be replaced. Used as a key when determining If the store number of the store that actually exists is specified in the store number, normal transfer processing is executed for the deposit account of the store number, and if the store number for replacement that is set in advance is specified in the store number, specify in the transfer message Execute the replacement process of the account number.

  In the account number re-reading process, not the entire account number, but a total 7-digit number string consisting of the store number and the upper 4 digits of the account number is the authentication code linked to the recipient's real account for re-reading and depositing. ing. Referring to the conversion table for replacement, obtain the store number and account number of the recipient's real account corresponding to the total 7-digit number string of the upper 4 digits of the store number and account number, and transfer the account to the store number Read the number and execute the deposit process to the corresponding account ledger. On the other hand, the lower three digits of the account number can be used as an identification code for the payee to identify the payer as an area that can be arbitrarily used by the payee who is a customer such as a bank performing the transfer process. The transfer processing system does not make any determination using this identification code as a key, and the identification code and the payer are collated in the recipient's system.

  In FIG. 2, the transfer information processing system according to the present invention is included in the destination bank host 61 of the destination bank system 60. A transfer requester who transfers funds to the payee by transfer determines the request details of the transfer from a transaction terminal such as the PC 10, ATM 20, EB system 30, and transmits it to the destination bank system 40. The destination bank system 40 transmits the details of the transfer request to the inter-bank settlement system 50 such as the Zengin System, and the destination bank host 61 of the destination bank system 60 designated as the transfer destination receives the transfer from the settlement system 50. Receives a destination transfer message in which the request content is specified.

  In the destination bank host 61 that has received the destination transfer message, the exchange system 611 detects the store number of the transfer destination specified in the destination transfer message, and if the store number corresponds to the replacement store number, the account number conversion is performed. Obtain the store number and account number of the deposit account corresponding to the store number and account number of the transfer destination specified in the destination transfer message from the table 612, read it, and instruct the deposit system to read the deposit account. I do. Payment processing instructions are performed by selecting the required information from the destination transfer message, but also specified in the destination transfer message before replacement as transfer information that identifies the transfer requester for recording history information The transferred store number and account number are sent to the deposit system 613.

  Upon receiving the deposit processing instruction, the deposit system 613 updates the balance by adding the transfer amount specified in the destination transfer message to the account ledger file of the store number specified as the deposit account in the account ledger database 614. Execute the deposit process. In the history information of the account ledger file, transfer information including the store number and account number of the transfer destination specified in the destination transfer message before the replacement is recorded. Completion of the transfer process is also notified to the exchange system 611, and transfer information is also held in the exchange date management database 615 for a certain period.

  In this way, when the transfer process is executed in the bank bank host 61, payment information by transfer is notified to the transfer recipient through the EB system. That is, the EB system 62 on the destination bank system 60 side acquires the payment history information by the transfer to the deposit account from the account ledger file of the deposit account of the deposit recipient in the account ledger database 614, and receives the receipt history information before the replacement. The payment details in which the transfer information including the store number and the account number of the transfer destination specified in the destination transfer message is recorded is transmitted to the EB system 70 operated by the transfer recipient. Since the store number and account number included in the transfer information are linked one-to-one with the transfer requester, the transfer recipient who received the payment details in the EB system 70 will receive the store number and account number included in the transfer information. The person can be identified and the payment can be applied.

  Next, an outline of a flow of transfer information processing by the transfer information processing system according to the present invention will be described with reference to FIG. First, the bank executing the transfer process gives an authentication code consisting of the store number “102” associated with the deposit account and the first four digits “1000” of the account number to the customer X who has the deposit account at the bank. Loan for use as a replacement account number used exclusively for transfers.

  Here, the store number “102” is a store number that is not used as a store number of an existing store, and is used as a key indicating that the account number specified at the time of transfer is a read-out account number used exclusively for transfer. It is a store number. Only the first four digits “1000” are specified in the account number, and the customer X can arbitrarily use 1,000 items from 000 to 999 for the last three digits. Customer X designates up to the last 3 digits of the transfer account number that is used exclusively for the transfer to the other party receiving payment by transfer, and sends the transfer account number dedicated to the transfer to each transfer destination To notify the payment request by transfer. The replacement store number notified to each partner and the replacement account number specified up to the last three digits are linked to each payer as an authentication code used for application cancellation at customer X. Managed.

  In addition, the number of digits of the account number designated in advance by the bank in the account number for replacement lent to the customer X is not limited to the upper four digits as in the example of FIG. According to the number of account numbers, for example, up to 100 cases, by specifying the upper 5 digits, the customer X can arbitrarily use 100 cases from 00 to 99 in the lower 2 digits. In addition, the number of digits of the account number designated in advance by the bank may be designated by several digits from the lower order, but it is preferable to set several digits from the upper order according to the reading procedure in terms of system processing.

  In this way, when the transfer account number dedicated for transfer is set, among the store number and the account number, the first four digits of the store number and the account number are used as an authentication code for identifying the customer X. A total of 10 digits of the store number and account number is used as an identification code for identifying the payer who pays the customer X. The account number of the real account that actually performs the deposit process is associated with the authentication code that is designated by the payee, not by the identification code that is designated by the payer.

  The payer who has received the notification of the payment request designates the store number and account number of the transfer destination notified from the PC, mobile phone, ATM, EB system, etc., and transmits the transfer request. When the transfer request is accepted by the destination bank system, it is transmitted from the settlement system such as the Zengin System to the computer system of the destination bank in the form of a destination transfer message. The store number and account number of the transfer destination specified in this destination transfer message are the first 4 digits of the store number and account number that the bank lent to customer X, and customer X arbitrarily specified for each payer. A combination of 3 digits is specified.

  When the destination bank's computer system accepts the destination transfer message, it first detects the store number of the transfer destination specified in the destination transfer message and uses that store number as the store number of the actual store or for the replacement of the account number. Check if it is a replacement store number. In the former case, a normal deposit process is executed for the designated bank account. In the latter case, the store number and account number rereading process is started.

  In the transfer processing system, in order to read the transfer account number dedicated to the transfer loaned to the customer X with the account number of the real account for payment, the account number in which the account number for the transfer and the account number of the real account are associated A conversion table is provided. When the replacement process is started, the account number conversion table is referenced and the store number and account number of the real account corresponding to the first four digits of the replacement store number and the replacement account number specified in the destination transfer message are acquired. Then, the store number and account number of the transfer destination are replaced with the store number and account number of the actual account.

  When the account number is replaced, the account file corresponding to the account number of the store number replaced in the account ledger database is specified, and the deposit process for the transfer amount is executed. In addition, for each transfer process, in addition to the name of the transfer requester, the transfer amount, etc., transfer information including a 10-digit number string consisting of the replacement store number and the replacement account number specified as the transfer destination, Recorded as history information of the account.

  The transfer information recorded in the account file of the deposit account of the customer X in this way is notified to the customer X by the EB service or the like as the deposit details. In addition to the EB service, the method for notifying the customer may be by other means such as e-mail or mailing of the output payment details. In the payment details to be notified, as the data included in the transfer information, in addition to the name of the transfer requester, the transfer amount, etc., 10 digits consisting of the transfer store number and transfer account number specified by the transfer requester as the transfer destination Is included. When the customer X receives the payment details, the payer and each of the payer and each of the ten-digit number string (or the last three-digit number string arbitrarily set by the customer X) consisting of the replacement store number and the replacement account number as a key A payer can be easily identified by referring to a table associated with a designated bank account.

  Next, the processing flow of the transfer information processing system according to the present invention will be described in more detail with reference to FIGS. 4 and 5 with reference to examples of records and the like shown in FIGS. FIG. 4 shows the processing flow of the destination transfer processing in the exchange system, and FIG. 5 shows the processing flow of the deposit processing in the deposit system. The data exemplified in the record or the like corresponds to the outline of the transfer information processing flow exemplified in FIG.

  The destination transfer process in the exchange system is performed as shown in the flow of FIG. First, the exchange system receives a destination transfer message from the Zengin System (S11). FIG. 7 is an example of a record of a destination transfer message received by the currency exchange system, but shows that a replacement account number is specified as a destination store number as a transfer destination, not a store number of an existing store. “102” which is the replacement store number is recorded. In addition, “1000001”, which is the account number for replacement, is recorded in the payee account number of the destination as the transfer destination. In addition to this, the destination bank name, the branch office name, and the name of the transfer person are designated in kana, and information such as the transfer amount is also recorded in the destination transfer message.

  Next, the destination store number designated as the transfer destination is detected from the received destination transfer telegram record, and it is determined whether or not the store number corresponds to the replacement store number (S12). Whether the store number for the replacement corresponds to the store number for replacement recorded with the account number for replacement by referring to the account number conversion table that defines the correspondence between the account number for replacement and the actual account for deposit It is also possible to perform confirmation, or to provide a store number dedicated table such as a store number list table, define a store number for replacement, and refer to the store number dedicated table. In addition, a normal store number is defined by a 3-digit number string, and since the number of store numbers is 1,000 at most compared to an account number consisting of a 7-digit number string, the store number is obtained from the destination transfer message. It is also possible to specify the replacement store number as a part of the program for determining whether the store number corresponds to the replacement store number, and perform the determination as part of the program.

  If the account number for replacement is specified in the payee account number of the recipient, and the account number needs to be replaced in the account number of the actual account for deposit, the store number of the existing store is Use no replacement store number. Therefore, by determining whether or not it is necessary to replace the store number with the store number as a key, it is only necessary to verify the store number without checking the account number for normal transfer requests that do not require replacement of the intended recipient account number. It is possible to exclude the number from the target of rereading processing.

  In other words, if it is determined in the step of determining whether or not it corresponds to the replacement store number, it is determined that it does not correspond to the replacement store number, the target transfer message is a normal transfer that does not require replacement of the destination payee account number. Since it can be determined that this is a request, normal transfer processing is executed according to the contents specified in the destination transfer message (S17). In this way, normal transfer requests can be excluded from the target of rereading processing at the stage prior to the verification of the account number, so compared with the method of determining whether rereading is necessary only by verifying the account number It is possible to significantly reduce the number of objects to be verified and to make the transfer process more efficient.

  On the other hand, if it is determined that the store number does not correspond to the replacement store number, it is determined that the destination transfer message is a transfer request that requires the recipient's account number to be replaced. In order to read the account number of the real account, the account number of the real account for depositing is acquired with reference to the account number for conversion by referring to the account number conversion table (S13).

  FIG. 8 shows an example of the account number conversion table referred to in this step. In this example, the first four digits of the replacement store number and the replacement account number are designated as the authentication code, and the store number and the account number of the real account for which each is read and the deposit process is performed are linked. The account number for replacement is specified by the first 4 digits of the account number, and the deposit process is executed on the account number of the store number of the linked real account regardless of what the last 3 digits are. Is done. Therefore, when the replacement store number is fixed to one number, only the first four digits of the replacement account number need to be verified for the replacement of the account number, greatly increasing the system processing burden for the verification of the account number. Can be reduced. Referring to the account number conversion table of FIG. 8, the store number “321” of the real account and the account number “1234567” are linked to the replacement store number “102” and the first four digits “1000” of the replacement account number. The store number and account number of the actual account are acquired.

  Regarding the two methods for improving the efficiency of the system processing described so far, the determination of the necessity of rereading the account number by the store number for replacement and the replacement of the account number using only a part of the account number. It is not restricted to the flow shown in FIG. 4 which uses two methods together, A fixed effect can be exhibited also by using any one method. In other words, after excluding transfer requests that do not require re-reading by determining whether or not re-reading the account number with the re-reading store number, the re-reading of the account number may be performed for the entire account number as in the prior art. As in the technology, the replacement account number specified after the normal store number may be specified by a numeric string of some digits, not the entire account number.

  When the account number of the real account for deposit is acquired from the account number conversion table, the store number and account number of the recipient who is the transfer destination specified in the destination transfer message are converted from the store number for replacement and the account number for replacement. Each of them is read as a store number and an account number of a real account possessed by the recipient (S14). When the store number and account number are replaced, in order to use it for the transfer information recorded in the payment processing history information, the store number for replacement, the account number for replacement and the name of the transfer requester Kana in the destination transfer message are collected together, It is set as summary data (S15).

  FIG. 9 is an example of summary data set as described above. The number string “1021000001” made up of the replacement store number and the replacement account number used here is one-to-one associated with the payer by the payee, and the payee uses the number string to pay the payer. Can be easily identified. The set summary data is included in a part of the transfer information sent to the deposit system together with the deposit processing data.

  When the account number replacement process is performed as the destination transfer process by the exchange system explained so far, in order to perform the deposit process to the specified real account, the store number and account number of the transfer destination, the transfer amount The deposit processing data for deposit processing to the account file is sent to the deposit system (S16). In addition, a part of the transfer information such as the set summary data is also transmitted to the deposit system as transfer information for specifying the transfer request content as in the example of FIG.

  The deposit process in the deposit system is performed as shown in the flow of FIG. First, the deposit system receives deposit processing data and transfer information from the exchange system (S21). Subsequently, it is confirmed whether or not a real account designated by the deposit processing data exists or has not been canceled (S22). If the actual account does not exist due to cancellation, etc., error processing is performed (S27), and the deposit processing is terminated. When the real account is alive, the payee name specified in the deposit processing data is compared with the payee name recorded in the account file of the specified account to check whether the payee name matches (S23). . If the recipient names do not match, an error process is performed (S27), and the deposit process is terminated.

  If the payee name matches, the account ledger database is accessed and the balance of the account file corresponding to the account number of the store number specified in the deposit processing data is reflected in the deposit amount specified in the deposit processing data. And update (S24). Further, the history information of the deposit process is recorded in the deposit account ledger history information table corresponding to the account number of the store number in the account ledger database (S25). This history information includes transfer information specifying the transfer request content received from the exchange system in addition to the deposit amount. When the history information is recorded, the deposit process ends.

  FIG. 11 shows an example of history information recorded in the deposit account ledger of history information. A numeric string “1021000001” composed of a replacement store number and a replacement account number set in the exchange system as a summary content. Is recorded. The destination bank name and store name included in the transfer information are also recorded. Note that there is no account file for the corresponding account number in the account ledger database for the account number for replacement that was initially specified as the transfer destination in the destination transfer message. That is, the replacement account number does not have an account ledger and can be regarded as a number used as an identification key that does not correspond to a so-called deposit account.

  FIG. 6 shows a correspondence relationship between the destination transfer message received first by the destination bank and the history information recorded in the deposit account ledger. The reading store number and the reading account number of the payee account specified in the destination transfer message are replaced with the store number and account number of the real account for payment, and history information is recorded in the payment account ledger of the real account. The The reading store number and the reading account number of the payee account specified in the destination transfer message are set in the description contents column together with the name of the payer Kana as an identification code for identifying the payer.

  When the deposit process is completed in the deposit system, the end of the deposit process is transmitted to the exchange system. In the exchange system, in order to record the execution of the transfer process specified in the destination transfer message, the destination transfer as shown in the example of FIG. 12 is stored in the exchange date management database held for a certain period by the processed exchange message. Stores the contents of the message. When the storage in the exchange date management database is completed, the processing of the exchange system is also completed.

  When the transfer process from each payer is performed in this way, history information about the payment from each payer is recorded in the deposit account ledger of the payee's real account. In this history information, since the identification code consisting of the replacement store number and the replacement account number associated with the payer is recorded, the payee creates a correspondence table of the payer and the identification code that he / she creates (of the identification code) By using the last three digits of the account number arbitrarily set by the payee), it is possible to easily identify the payer who made the deposit. In order to provide history information related to the recipient, the bank system creates a payment statement in which an identification code consisting of a replacement store number and a replacement account number is recorded, and outputs it to the recipient through the output from the printer or the EB system. It is preferable that the transmission is possible.

  FIG. 13 shows an example of a method of using the replacement account number in the present invention. A bank handling the transfer process lends a reading account number specifying the first four digits of the account number to a recipient who has a receiving account at the bank. The payee lent the replacement account number arbitrarily sets the last three digits and associates the payer with each account number on a one-to-one basis. When receiving a payment statement such as the one above from the bank that accepted the payment from the payer, the payee easily identifies from which payer the payment was made based on the replacement account number specified in the payment statement. be able to.

  In other words, in the present invention, the replacement store number is a key for identifying that the account is an account number that needs to be replaced, and the first four digits of the replacement account number are used as a key for identifying the recipient account. The last three digits of the replacement account number are used to identify the payer, but what is managed by the bank is the first four digits of the replacement account number that identifies the payee account. The last three digits of the business account number are used arbitrarily by the payee, and do not function as any identification key in the bank transfer processing system.

It is a figure which shows the structure of the shop number and account number for replacement used in the transfer information processing system concerning this invention. It is a block diagram which shows the structure of the transfer information processing system concerning this invention. It is a figure which shows the outline | summary of the flow of the transfer information processing by the transfer information processing system concerning this invention. It is a flowchart which shows the processing flow of the exchange system in the transfer information processing system concerning this invention. It is a flowchart which shows the processing flow of the deposit system in the transfer information processing system concerning this invention. It is a figure which shows the corresponding | compatible relationship between the destination transfer message and the deposit account ledger in the transfer information processing system concerning this invention. It is a figure which shows an example of the intended transfer message | telegram received in the transfer information processing system concerning this invention. It is a figure which shows an example of the conversion table of the account number for a replacement and the account number of a deposit account in the transfer information processing system concerning this invention. In the transfer information processing system concerning this invention, it is a figure which shows an example of the summary information which specifies the transfer requester produced from a destination transfer message. In the transfer information processing system concerning this invention, it is a figure which shows an example of the transfer information containing the information which identifies the transfer requester handed over to the deposit system from an exchange system. In a transfer information processing system concerning the present invention, it is a figure showing an example of history information recorded on a deposit account ledger. In the transfer information processing system concerning this invention, it is a figure which shows an example of the transfer message | telegram stored in an exchange date management database. It is a figure which shows an example of the utilization method of the account number for replacement used in the transfer information processing system concerning this invention.

Explanation of symbols

10 PC
20 ATM
30 EB System 40 Destination Bank System 50 Settlement System 60 Destination Bank System 61 Destination Bank Host 611 Exchange System 612 Account Number Conversion Table 613 Deposit System 614 Account Ledger Database 615 Exchange Date Management Database 62 EB System 70 EB System

Claims (14)

A destination transfer message accepting means for accepting a destination transfer message specifying the content of the transfer process in which the account number of the payee account is specified;
When the account number of the payee account specified in the destination transfer message is an account number for replacement, the account number of the deposit account that executes the deposit process by replacing the account number of the payee account is set as the payee account. An account number replacement information storage means for storing in association with an X-digit number string that is a part of the account number;
Number string detection means for detecting an X-digit number string of the account number of the payee account included in the destination transfer message received by the destination transfer message reception means;
Referring to the account number replacement information storage means, the X-digit number string of the account number of the recipient account detected by the number string detection means is associated with the account number of the deposit account as the replacement account number. In this case, a deposit account number acquisition unit that acquires an account number of a deposit account associated with an X-digit number string of an account number of a payee account detected by the number string detection unit;
Deposit processing means for updating the deposit balance corresponding to the account number of the deposit account stored in the account ledger database for managing the balance of the deposit account by reflecting the deposit processing of the transfer amount specified in the destination transfer message When,
Transfer information recording means for recording the transfer information related to the transfer process in the history information related to the transfer process executed according to the destination transfer message in the history information storage unit that stores the history information of the deposit account ledger,
The transfer information recording system records at least an account number of a payee account specified in the destination transfer message as the transfer information. A destination transfer message accepting means for accepting a destination transfer message specifying the content of the transfer process in which the account number of the payee account is specified;
When the account number of the payee account specified in the destination transfer message is an account number for replacement, the account number of the deposit account that executes the deposit process by replacing the account number of the payee account is set as the payee account. An account number replacement information storage means for storing in association with an X-digit number string that is a part of the account number;
Number string detection means for detecting an X-digit number string of the account number of the payee account included in the destination transfer message received by the destination transfer message reception means;
Referring to the account number replacement information storage means, the X-digit number string of the account number of the recipient account detected by the number string detection means is associated with the account number of the deposit account as the replacement account number. In this case, a deposit account number acquisition unit that acquires an account number of a deposit account associated with an X-digit number string of an account number of a payee account detected by the number string detection unit;
Deposit processing means for updating the deposit balance corresponding to the account number of the deposit account stored in the account ledger database for managing the balance of the deposit account by reflecting the deposit processing of the transfer amount specified in the destination transfer message When,
A payment statement creation means for creating a payment statement that records transfer information related to the transfer process executed in accordance with the destination transfer message,
The deposit information creating means creates at least an account number of a payee account specified in the destination transfer message as the transfer information. A destination transfer message accepting means for accepting a destination transfer message specifying the contents of the transfer process in which the store number of the payee account and the account number are specified;
When the store number of the payee account specified in the destination transfer message is a replacement store number, associate the store number of the payment account to replace the store number of the payee account and execute the deposit process with the store number of the payee account Store number reading information storage means for storing,
If the account number of the payee account specified in the destination transfer message is a replacement account number, the account number of the payment account that executes the payment process by replacing the payee's account number is set to the payee account number. Account number replacement information storage means for storing in association with an X-digit number string that is at least part of the account number;
Store number detecting means for detecting a store number of a payee account included in the destination transfer message received by the destination transfer message receiving means;
A store number determination unit for replacement, which determines whether the store number of the payee account detected by the store number detection unit corresponds to a replacement store number used for specifying a replacement account number;
When the replacement store number determination means determines that the store number of the payee account detected by the store number detection means corresponds to the replacement store number, the store number replacement information storage means is referred to and designated in the destination transfer message. The store number of the deposit account corresponding to the store number of the payee account is acquired, and is at least a part of the account number of the payee account specified in the destination transfer message with reference to the account number read information storage means A deposit account number obtaining means for obtaining an account number of a deposit account corresponding to an X-digit number string;
Deposit that updates the deposit balance corresponding to the store number of the deposit account stored in the account ledger database that manages the balance of the deposit account, reflecting the deposit processing of the transfer amount specified in the destination transfer message Processing means;
Transfer information recording means for recording the transfer information related to the transfer process in the history information related to the transfer process executed according to the destination transfer message in the history information storage unit that stores the history information of the deposit account ledger,
The transfer information recording system records at least an account number of a payee account specified in the destination transfer message as the transfer information. A destination transfer message accepting means for accepting a destination transfer message specifying the contents of the transfer process in which the store number of the payee account and the account number are specified;
When the store number of the payee account specified in the destination transfer message is a replacement store number, associate the store number of the payment account to replace the store number of the payee account and execute the deposit process with the store number of the payee account Store number reading information storage means for storing
If the account number of the payee account specified in the destination transfer message is a replacement account number, the account number of the payment account that executes the payment process by replacing the payee's account number is set to the payee account number. Account number replacement information storage means for storing in association with an X-digit number string that is at least part of the account number;
Store number detecting means for detecting a store number of a payee account included in the destination transfer message received by the destination transfer message receiving means;
A store number determination unit for replacement, which determines whether the store number of the payee account detected by the store number detection unit corresponds to a replacement store number used for specifying a replacement account number;
When the replacement store number determination means determines that the store number of the payee account detected by the store number detection means corresponds to the replacement store number, the store number replacement information storage means is referred to and designated in the destination transfer message. The store number of the deposit account corresponding to the store number of the payee account is acquired, and is at least a part of the account number of the payee account specified in the destination transfer message with reference to the account number read information storage means A deposit account number obtaining means for obtaining an account number of a deposit account corresponding to an X-digit number string;
Deposit that updates the deposit balance corresponding to the account number of the store number of the deposit account stored in the account ledger database that manages the balance of the deposit account, reflecting the deposit processing of the transfer amount specified in the destination transfer message Processing means;
A payment statement creation means for creating a payment statement that records transfer information related to the transfer process executed in accordance with the destination transfer message,
The deposit information creating means creates at least an account number of a payee account specified in the destination transfer message as the transfer information. A destination transfer message accepting means for accepting a destination transfer message specifying the contents of the transfer process in which the store number of the payee account and the account number are specified;
The store number and account number of the deposit account that executes the deposit process by replacing the store number and account number of the payee account when the store number and account number of the payee account specified in the destination transfer message is a replacement account number An account number replacement information storage means for storing the store number in association with the store number of the recipient account and an X-digit number string that is a part of the account number;
Store number detecting means for detecting a store number of a payee account included in the destination transfer message received by the destination transfer message receiving means;
A store number determination unit for replacement, which determines whether the store number of the payee account detected by the store number detection unit corresponds to a replacement store number used for specifying a replacement account number;
When the replacement store number determination means determines that the store number of the recipient account detected by the store number detection means corresponds to the replacement store number, it is designated in the destination transfer message with reference to the account number replacement information storage means A deposit account number acquisition means for acquiring a store number and an account number of a deposit account corresponding to an X-digit number string that is a part of the account number of the received recipient account, and an account number;
Deposit that updates the deposit balance corresponding to the store number of the deposit account stored in the account ledger database that manages the balance of the deposit account, reflecting the deposit processing of the transfer amount specified in the destination transfer message Processing means;
Transfer information recording means for recording the transfer information related to the transfer process in the history information related to the transfer process executed according to the destination transfer message in the history information storage unit that stores the history information of the deposit account ledger,
The transfer information recording system records at least an account number of a payee account specified in the destination transfer message as the transfer information. 6. The transfer information processing system according to claim 3, wherein the transfer information recording unit records a store number of a payee account specified in the destination transfer message as the transfer information. A destination transfer message accepting means for accepting a destination transfer message specifying the contents of the transfer process in which the store number of the payee account and the account number are specified;
The store number and account number of the deposit account that executes the deposit process by replacing the store number and account number of the payee account when the store number and account number of the payee account specified in the destination transfer message is a replacement account number An account number replacement information storage means for storing the store number in association with the store number of the recipient account and an X-digit number string that is a part of the account number;
Store number detecting means for detecting a store number of a payee account included in the destination transfer message received by the destination transfer message receiving means;
A store number determination unit for replacement, which determines whether the store number of the payee account detected by the store number detection unit corresponds to a replacement store number used to identify the replacement account number;
When the replacement store number determination means determines that the store number of the payee account detected by the store number detection means corresponds to the replacement store number, it is designated in the destination transfer message by referring to the account number replacement information storage means. A deposit account number obtaining means for obtaining a store number and an account number of a deposit account corresponding to an X digit number string which is a part of the account number of the recipient account,
Deposit that updates the deposit balance corresponding to the store number of the deposit account stored in the account ledger database that manages the balance of the deposit account, reflecting the deposit processing of the transfer amount specified in the destination transfer message Processing means;
A payment statement creation means for creating a payment statement that records transfer information related to the transfer process executed in accordance with the destination transfer message,
The deposit information creating means creates at least an account number of a payee account specified in the destination transfer message as the transfer information. The transfer information processing system according to claim 4 or 7, wherein the deposit details creating means records a store number of a payee account specified in the destination transfer message as the transfer information. A transfer processing system that executes the transfer process, receiving a destination transfer message specifying the content of the transfer process in which the account number of the payee account is specified; and
The transfer processing system detecting an X-digit number string of an account number of a payee account included in the destination transfer message received in the step of receiving the destination transfer message;
Account number of the deposit account that the deposit processing system executes the deposit processing by replacing the account number of the payee account when the account number of the payee account specified in the destination transfer message is a read account number The account number of the payee account detected in the step of detecting the number string with reference to the account number replacement information storage unit that stores the password in association with the X digit number string that is a part of the account number of the payee account If the X digit number string is associated with the account number of the deposit account as the replacement account number, the X digit number string of the account number of the recipient account detected in the step of detecting the number string Obtaining an account number for the deposit account associated with,
The transfer processing system reflects the deposit amount corresponding to the account number of the deposit account stored in the account ledger database that manages the balance of the deposit account, reflecting the deposit processing of the transfer amount specified in the destination transfer message. Update step,
The transfer processing system has a step of recording the transfer information related to the transfer process in the history information related to the transfer process executed according to the destination transfer message in the history information storage unit that stores the history information of the deposit account ledger. And
In the step of recording the transfer information, at least an account number of a payee account specified in the destination transfer message is recorded as the transfer information. A transfer processing system that executes the transfer process, receiving a destination transfer message specifying the content of the transfer process in which the account number of the payee account is specified; and
The transfer processing system detecting an X-digit number string of an account number of a payee account included in the destination transfer message received in the step of receiving the destination transfer message;
Account number of the deposit account that the deposit processing system executes the deposit processing by replacing the account number of the payee account when the account number of the payee account specified in the destination transfer message is a read account number The account number of the payee account detected in the step of detecting the number string with reference to the account number replacement information storage unit that stores the password in association with the X digit number string that is a part of the account number of the payee account If the X digit number string is associated with the account number of the deposit account as the replacement account number, the X digit number string of the account number of the recipient account detected in the step of detecting the number string Obtaining the account number of the deposit account associated with,
The transfer processing system reflects the deposit amount corresponding to the deposit account account number stored in the account ledger database for managing the balance of the deposit account, with the deposit amount specified in the destination transfer message. Update step,
The transfer processing system has a step of creating a payment statement that records transfer information related to a transfer process executed according to the destination transfer message,
In the step of creating the payment details, at least an account number of a payee account designated in the destination transfer message is created as the transfer information. A transfer processing system that executes the transfer process receives a destination transfer message that specifies the details of the transfer process in which the store number and the account number of the payee account are specified; and
The transfer processing system detecting a store number of a payee account included in the destination transfer message received in the step of receiving the destination transfer message;
Determining whether the store number of the payee account detected in the step of detecting the store number corresponds to the replacement store number used for specifying the replacement account number;
When the transfer processing system determines that the store number of the payee account detected in the step of detecting the store number corresponds to the store number for replacement in the step of determining the store number for replacement, it is specified in the destination transfer message. If the store number of the payee account is a store number for replacement, refer to the store number replacement information storage unit that stores the store number of the deposit account in association with the store number of the payee account to replace the store number of the payee account and execute the deposit process And acquiring the store number of the deposit account corresponding to the store number of the payee account specified in the destination transfer message,
When the transfer processing system determines that the store number of the payee account detected in the step of detecting the store number corresponds to the store number for replacement in the step of determining the store number for replacement, it is specified in the destination transfer message. When the account number of the payee account is a replacement account number, the account number of the deposit account that executes the deposit process by replacing the account number of the payee account is at least part of the account number of the payee account X Payment corresponding to an X-digit number string that is at least a part of the account number of the payee account specified in the destination transfer message with reference to the account number replacement information storage unit stored in association with the digit number string Obtaining an account number for the account;
The transfer processing system performs deposit processing of the transfer amount specified in the destination transfer message, with the deposit balance corresponding to the store number of the deposit account stored in the account ledger database managing the balance of the deposit account. Reflecting and updating, and
The transfer processing system has a step of recording the transfer information related to the transfer process in the history information related to the transfer process executed according to the destination transfer message in the history information storage unit that stores the history information of the deposit account ledger. And
In the step of recording the transfer information, at least an account number of a payee account specified in the destination transfer message is recorded as the transfer information. A transfer processing system that executes the transfer process receives a destination transfer message that specifies the details of the transfer process in which the store number and the account number of the payee account are specified; and
The transfer processing system detecting a store number of a payee account included in the destination transfer message received in the step of receiving the destination transfer message;
Determining whether the store number of the payee account detected in the step of detecting the store number corresponds to the replacement store number used for specifying the replacement account number;
When the transfer processing system determines that the store number of the payee account detected in the step of detecting the store number corresponds to the store number for replacement in the step of determining the store number for replacement, it is specified in the destination transfer message. If the store number of the payee account is a store number for replacement, refer to the store number replacement information storage unit that stores the store number of the deposit account in association with the store number of the payee account to replace the store number of the payee account and execute the deposit process And acquiring the store number of the deposit account corresponding to the store number of the payee account specified in the destination transfer message,
When the transfer processing system determines that the store number of the payee account detected in the step of detecting the store number corresponds to the store number for replacement in the step of determining the store number for replacement, it is specified in the destination transfer message. When the account number of the payee account is a replacement account number, the account number of the deposit account that executes the deposit process by replacing the account number of the payee account is at least part of the account number of the payee account X Payment corresponding to an X-digit number string that is at least a part of the account number of the payee account specified in the destination transfer message with reference to the account number replacement information storage unit stored in association with the digit number string Obtaining an account number for the account;
The transfer processing system performs deposit processing of the transfer amount specified in the destination transfer message, with the deposit balance corresponding to the store number of the deposit account stored in the account ledger database managing the balance of the deposit account. Reflecting and updating, and
The transfer processing system has a step of creating a payment statement that records transfer information related to a transfer process executed according to the destination transfer message,
In the step of creating the payment details, at least an account number of a payee account designated in the destination transfer message is created as the transfer information. A transfer processing system that executes the transfer process receives a destination transfer message that specifies the details of the transfer process in which the store number and the account number of the payee account are specified; and
The transfer processing system detecting a store number of a payee account included in the destination transfer message received in the step of receiving the destination transfer message;
Determining whether the store number of the payee account detected in the step of detecting the store number corresponds to the replacement store number used for specifying the replacement account number;
When the transfer processing system determines that the store number of the payee account detected in the step of detecting the store number corresponds to the store number for replacement in the step of determining the store number for replacement, it is specified in the destination transfer message. When the store number and the account number of the payee account are the account numbers for replacement, the store number and the account number of the payee account that executes the payment process by replacing the store number and the account number of the payee account are changed to the store number and the account of the payee account Referring to the account number replacement information storage unit stored in association with the X-digit number string that is a part of the number, the store number and the part of the account number of the payee account specified in the destination transfer message Obtaining the store account number and account number of the deposit account corresponding to the digit string;
The transfer processing system performs deposit processing of the transfer amount specified in the destination transfer message, with the deposit balance corresponding to the store number of the deposit account stored in the account ledger database managing the balance of the deposit account. Reflecting and updating, and
The transfer processing system has a step of recording the transfer information related to the transfer process in the history information related to the transfer process executed according to the destination transfer message in the history information storage unit that stores the history information of the deposit account ledger. And
In the step of recording the transfer information, at least an account number of a payee account specified in the destination transfer message is recorded as the transfer information. A transfer processing system that executes the transfer process receives a destination transfer message that specifies the details of the transfer process in which the store number and the account number of the payee account are specified; and
The transfer processing system detecting a store number of a payee account included in the destination transfer message received in the step of receiving the destination transfer message;
Determining whether the store number of the payee account detected in the step of detecting the store number corresponds to the replacement store number used for specifying the replacement account number;
When the transfer processing system determines that the store number of the payee account detected in the step of detecting the store number corresponds to the store number for replacement in the step of determining the store number for replacement, it is specified in the destination transfer message. When the store number and the account number of the payee account are the account numbers for replacement, the store number and the account number of the payee account that executes the payment process by replacing the store number and the account number of the payee account are changed to the store number and the account of the payee account Referring to the account number replacement information storage unit stored in association with the X-digit number string that is a part of the number, the store number and the part of the account number of the payee account specified in the destination transfer message Obtaining the store account number and account number of the deposit account corresponding to the digit string;
The transfer processing system performs deposit processing of the transfer amount specified in the destination transfer message, with the deposit balance corresponding to the store number of the deposit account stored in the account ledger database managing the balance of the deposit account. Reflecting and updating, and
The transfer processing system has a step of creating a payment statement that records transfer information related to a transfer process executed according to the destination transfer message,
In the step of creating the payment details, at least an account number of a payee account designated in the destination transfer message is created as the transfer information.

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