JP2006065495A - Rental branch office management system and rental branch office management server - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To enable a financial institution such as a bank to operate a rental branch office management system in such a way as to lend its branch offices to a borrower such as a company, so that lending the branch offices benefits both the financial institution and the borrower. <P>SOLUTION: A host computer for managing accounts and a rental branch office management server are installed in the financial institution and a terminal device is installed in a branch office. The terminal device receives the input of transaction contents and sends the transaction contents to the rental branch office management server. The rental branch office management server receives the transaction contents, calculates a rental fee that the financial institution collects from the borrower on the basis of the transaction contents, and sends the calculated rental fee to the host computer. The host computer in turn deducts the rental fee from the balance of a master account that is the representative account of the borrower. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a lending branch management system and a lending branch management server, and particularly enables a financial institution such as a bank to lend a branch to a lending destination such as a company. The present invention relates to a lending branch management system and a lending branch management server capable of producing merits for both parties.

  Financial institutions such as banks often open branches at some business partners such as large corporations in order to improve customer convenience. Normally, such a branch is operated by a financial institution, and its operation form is determined solely by the financial institution.

  However, a financial institution opening a branch office is forced to bear a labor cost and a fee for securing a store opening space by operating such a branch office. Also, branch offices of companies and other branches are basically operated by financial institutions because the branches are operated by financial institutions, and the types of transactions that can be handled at the branches are selected. And the time available for dealings cannot be set freely.

  In this way, when a financial institution opens a branch at a business partner such as a company, the operation form does not necessarily satisfy the requirements of the financial institution or the store opening.

  The present invention has been made in view of such a background, and allows a financial institution such as a bank to operate in a form that lends a branch to a lender such as a company. By lending a branch, both the financial institution and the lender are provided. It is an object of the present invention to provide a rental branch management system that can bring merit to a customer.

  A main invention of the present invention for achieving the above object is a lending branch management system applied to a service in which a financial institution lends a branch to a lending destination such as a company and performs a transaction for the branch. Means for receiving from the terminal device the contents of the transaction accepted by the terminal device connected to the terminal, and means for obtaining a loan fee, which is a fee collected by the financial institution from the loan destination based on the content of the transaction; And means for storing an account balance of a parent account which is a representative account of the loan destination, and means for deducting the loan fee from the parent account of the loan destination.

  Further, the lending branch management server includes a means for obtaining a usage fee that is a fee generated when the user uses the branch, and at least one of the branch users at the lending destination. Means for storing the account balance of the child account, means for deducting the usage fee from the child account, and means for depositing the deducted usage fee into the parent account.

  ADVANTAGE OF THE INVENTION According to this invention, the management in the form which lends a branch to a lending destination, such as a company, is possible for a bank side, and a merit can be produced in both a bank and a lending destination by lending a branch.

  Hereinafter, an embodiment of the present invention will be described with reference to the drawings. FIG. 1A shows a concept of a branch lending service described as an embodiment of the present invention. Bank branch lending service is a transaction (bank transaction) in which a bank, which is an example of a financial institution, lends a branch to a borrower such as a business partner, and performs the banking business to a lending branch (hereinafter referred to as a lending branch). It is a service that is carried out in an operational form that substitutes a part.

  In a loan branch that is lent to a company B from a certain bank A by a contract or the like, a transaction that has been performed in a conventional branch (hereinafter referred to as a normal branch) that has been operated by the bank A is performed. Such transactions include deposits (current accounts, ordinary deposits, notice deposits, fixed deposits, etc.), direct debits, automatic payments, transfers, loans (bills, bills discounts, payment acceptance, etc.), other bank transfers, domestic Foreign exchange (transfer, remittance, collection, etc.), foreign exchange (purchase, collection, etc.), cash accounting, periodic preparation, check issuance, balance inquiry, etc.

  The main difference between the rental branch and the normal branch is that the normal branch is operated under the jurisdiction of bank A, while the loan branch is operated exclusively under the jurisdiction of company B. In addition, by opening such a lending branch, the burden of management such as payment of personnel expenses and securing of a business space is eliminated on the bank A side, and the scale of operations can be easily expanded. . In addition, since there is no need to pay labor costs or secure a business space, usage fees can be set cheaply, and opportunities for acquiring customers will increase. On the other hand, for borrowers such as companies, it is possible not only to reduce expenses due to low usage fees, but also to effectively utilize human resources and surplus space. Further, the borrower side can set a dealable transaction, a handling time, etc. more freely than in the case of a normal branch according to the intention of the borrower side.

  When a loan branch is opened, a representative account of Company B (hereinafter referred to as the parent account) is opened in Bank A's account for Bank A to withdraw the usage fee (hereinafter referred to as the loan fee) of the loan branch. Is done. On the other hand, users of lending branches (hereinafter referred to as “branch users”) such as the head office, branch offices, business divisions, employees, etc. of company B (hereinafter referred to as “usage fees”) for individual transactions conducted at the lending branch. An account (hereinafter referred to as a child account) is set up in Bank A. When a branch user uses a loan branch, the fee is deducted from the branch user's child account, and is once credited to the parent account (transfer from the child account to the parent account). Payment of fees to A is withdrawn from the parent account in the form of lending fees. In other words, the usage fee is not settled individually from each of the child accounts but indirectly through the parent account which is the representative account of the borrower.

  Note that the total amount of rental fees and usage fees do not necessarily match. That is, the lending fee can be determined independently according to the contract between the bank A and the company B, and the usage fee can be determined independently according to the operating policy of the lending branch of the company B. Accordingly, it is possible to cause a difference between the total usage fee and the lending fee. Then, this difference can be used for, for example, making the profit of the company B or setting the usage fee low.

  FIG. 1B shows a main hardware configuration of the lending branch management system 1 applied when the bank branch lending service shown in FIG. 1A is operated. The lending branch management system 1 includes a host computer 11 and a lending branch server 12 operated by the bank A, a terminal device 13 and an ATM (Automated Teller Machine) 14 installed on the company B side. Yes. The terminal device 13 is installed in a department in charge of the business of the rental branch in the company B and is operated by a person in charge of the department. The ATM 14 is operated by the bank A, and the ATM 14 is loaded with cash under the jurisdiction of the bank A.

  The host computer 11 and the rental branch server 12 are a mainframe, a middle range class computer, a personal computer, and the like. The host computer 11 and the rental branch server may be the same hardware. The terminal device 13 is a personal computer, for example. The ATM 14 is an automatic teller machine that provides a display, operation input buttons, a cash card reader, a mechanism for obtaining cash, and the like. The user can perform various transactions such as deposit / withdrawal, remittance, balance inquiry, etc. by using the ATM 14 by operating the operation input button while confirming the display content of the display of the ATM 14.

  The host computer 11 and the rental branch server 12 are communicably connected via a communication network 15 such as a LAN or WAN. The rental branch server 12 and the terminal device 13 are communicably connected via a communication network 16 such as a dedicated line or the Internet. The terminal device 13 and the ATM 14 are communicably connected via a communication line 17. The ATM 14 is communicably connected to the host computer 11 via a communication line 18 such as a dedicated line. Note that the communication network 15, the communication network 16, the communication line 17, and the communication line 18 are all applied with security technologies such as encryption communication technology, VPN (Virtual Private Network), and firewall, so that communication can be performed safely. A mechanism to do it has been introduced.

  FIG. 2 shows an example of a hardware configuration of a computer used as the host computer 11, the rental branch server 12, and the terminal device 13. The computer shown in FIG. 1 includes a CPU 21, a memory 22 such as a ROM / RAM, a hard disk 23, an input device 24 that accepts an operation input from a keyboard or a mouse, a display device 25 such as a display or a printer, a LAN, a WAN, A communication interface 26 for realizing communication via the Internet, a dedicated line, etc., a timer 27 for generating the current date and time, and the like are provided.

  The lending branch management system 1 includes processing related to transactions performed between the host computer 11, the lending branch management server 12 and the terminal device 13 (hereinafter referred to as transaction related processing), the host computer 11 and the lending branch management server 12. Processing related to the collection of lending fees performed between the host computer 11 and the lending branch management server 12 (hereinafter referred to as usage fee settlement) (Referred to as processing). FIG. 3 shows various functions and databases operating in the host computer 11, the rental branch management server 12, and the terminal device 13. Note that these are realized by the CPU 21 executing a program stored in the memory 22 or the hard disk 23.

  In the host computer 11, a data communication unit 1101, an account management unit 1102, and an account database 1103 are operating. Among these, the data communication unit 1101 performs communication with the rental branch management server 12 performed through the communication network 15 and communication with the ATM 14 performed through the communication line 18. Details of other functions and the account database 1103 will be described later. Although not shown in FIG. 3, the host computer 11 operates various existing applications different from the lending branch management system 1 for supporting various operations in the bank. The lending branch management system 1 according to the present embodiment is configured so as not to cause modification of these existing applications and creation of new software as much as possible.

  In the rental branch server 12, the data communication unit 1201, the authentication processing unit 1202, the handling availability determination unit 1203, the processing number update unit 1204, the rental fee calculation unit 1205, the usage fee calculation unit 1206, the user database 1207, the processing number database 1208, A managed account database 1209, a use fee database 1210, a lending fee database 1210, a handleable transaction database 1212, and an account processing number database 1213 are operating. Among these, the data communication unit 1201 performs communication with the host computer 11 and communication with the terminal device 13 performed via the communication network 16. Details of other functions and other databases will be described later.

  In the terminal device 13, a data communication unit 1301 and a transaction input unit 1302 are operating. Among these, the data communication unit 1301 performs communication with the rental branch management server 12 performed via the communication network 16. The transaction input unit 1302 accepts an input of transaction details by an operation input by a person in charge.

  Next, the transaction related process described above will be described with reference to the flowchart shown in FIG. If a branch user of company B receives a transaction request from a branch office of company B in the department in charge of the loan branch of company B (hereinafter referred to as the loan branch department), the person in charge of the loan branch department inputs the terminal device 13. The device 24 is operated to start a transaction. First, the person in charge inputs a user ID and a password to the terminal device 13 as authentication information. Then, the authentication processing unit 1202 of the terminal device 13 accesses the user database 1207 of the lending branch management server 12 and authenticates whether the authentication information is valid (S410).

  FIG. 5A shows an example of registered contents in the user database 1207. As shown in the figure, in the user database 1207, a user ID 12071 and a password 12072 assigned to a person who is permitted to use the rental branch are registered in association with each other.

  If the authentication processing unit 1202 confirms that the authentication information is valid, then the transaction input unit 1302 of the terminal device 13 displays a list of transactions that the company B can handle on the display device 25 (S411). Here, the transaction input unit 1302 accesses the handleable transaction database 1212 of the lending branch management server 12 via the communication network 16 when displaying the transaction list. FIG. 5B shows an example of registered contents of the handleable transaction database 1212. As shown in the figure, in the dealable transaction database 1212, an account number 12121, a transaction type 12122, and a handleable time 12123 are registered in association with each other. Here, the terminal device 13 stores a branch ID assigned to a rented branch opened at the company B. The transaction input unit 1302 transmits the branch ID to the rental branch management server 12 in the access.

  When the transaction input unit 1302 accesses the handleable transaction database 1212, the transaction availability determination unit 1203 of the lending branch management server 12 determines the type of transaction associated with the branch ID transmitted from the terminal device 13. With reference to 12122 and the available time 12123, a transaction list in which only the current time generated by the timer 27 is within the available time 12123 is generated and transmitted to the terminal device 25. When the transaction input unit 1302 of the terminal device 25 receives the transaction list, the transaction input unit 1302 displays a screen describing the transaction list on the display device 25.

  The available time 12123 can be set on the company B side by the function of the terminal device 25. As described above, in the lending branch management system 1 according to the present embodiment, depending on the circumstances of the company B within a range that does not contradict the operation policy of the business in the bank A or the contract concluded with the bank A. The company B can freely set transactions and handling time zones that can be handled freely. Note that the terminal device 13 can also input data related to bank consolidation operations that need to be handled directly on the bank A side, such as check issuance.

  Next, the person in charge selects a corresponding transaction from the transaction list displayed on the terminal device 13 (S412). When the transaction is selected, the transaction input unit 1302 displays a screen for inputting the content of the selected transaction on the display device 25. The person in charge operates the input device 24 to input transaction details (S413). After the user inputs the transaction details, when the person in charge performs a predetermined operation, the transaction input unit 1302 transmits the input transaction details to the lending branch management server 12 via the communication network 16 (S414).

  When the lending branch management server 12 receives the transaction content transmitted in S414 (S415), it transfers this to the host computer 11 (S416), and the processing number update unit 1204 updates the processing number database 1208. (S417).

  FIG. 5C shows an example of registration contents of the processing number database 1208. As shown in the figure, in the processing number database 1208, a branch branch branch ID 12081, a transaction type 12082, and a processing number 12083 are registered in association with each other. Here, the transaction content transmitted in S414 includes the branch ID of the loan branch of the company B and information for specifying the type of transaction. In the process of S417, the content of the processing number 12083 corresponding to the type of transaction included in the transaction content transmitted from the terminal device 13 is updated. Upon receiving the transaction content transmitted in S416 (S418), the host computer 11 executes processing related to the transaction corresponding to the transaction content (S419).

  FIG. 5D shows an example of registered contents in the account database 1103. As shown in the figure, a branch ID 11031, an account number 11032, and an account balance 11033 are registered in the account database 1103 in association with each other. In addition, execution of the process regarding the transaction in S419 is, for example, increasing / decreasing the account balance 11033 according to the transaction content. For example, if the transaction is deposit / withdrawal, the contents of the corresponding account balance 11033 are adjusted. If the transaction is a transfer, the transfer amount is subtracted from the transfer source account balance 11033 and the transfer amount is added to the transfer destination account balance 11033. If the transaction is remittance, the remittance amount is subtracted from the account balance 11033 of the remittance source, and data indicating the remittance amount is delivered to a system related to remittance processing that operates on the host computer 11, for example. As described above, the host computer 11 operates existing applications for performing various operations in the bank. The registered contents of the account database 1103 are also referred to by these existing applications as appropriate.

  By the way, when performing the transaction using ATM14, ATM14 and the terminal device 13 operate | move in cooperation. For example, in a transaction such as domestic remittance using cash as a substitute, when the terminal device 13 accepts the content of the transaction, a message indicating that is sent to the ATM 14. When the ATM 14 receives the message, the ATM 14 waits for the deposit of cash corresponding to the transaction content, and when there is a deposit of cash, the ATM 14 transmits a message indicating that to the terminal device 13. Upon receiving the message, the terminal device 13 transmits the transaction content to the lending branch management server 12 in the process of S416 in the transaction related process shown in FIG.

  Next, the lending fee collection process will be described with reference to the flowchart shown in FIG. Lending fees are collected on a monthly basis, for example. The lending fee is calculated based on the number of transactions for each type of transaction registered in the transaction number database 1208 and the rate registered in the lending fee database 1210 (hereinafter referred to as the lending fee rate).

  When the timing for collecting the lending fee for the company A comes, the lending fee calculating unit 1205 uses the branch ID assigned to the lending branch of the company A as a search key from the processing number database 1208 at the lending branch of the company A. The number of transactions performed for each transaction type is read (S611). The lending fee calculation unit 1205 reads the lending fee rate for each transaction type from the lending fee database 1210 (S612).

  FIG. 7 shows an example of registered contents in the lending fee database 1210. As shown in the figure, a lending fee rate 12102 is registered in the lending fee database 1210 in association with the transaction type 12101. The contents of the lending fee database 1210 are updated by the bank side.

  Next, the lending fee calculation unit 1205 calculates a lending fee for each type of transaction based on the read information (S613). The lending fee is obtained as follows, for example. First, for each type of transaction, a value obtained by multiplying the lending rate and the number of transactions is obtained and added up. Then, calculate the value obtained by multiplying the total sum by the pay-as-you-go fee determined according to the total number of transactions for all types of transactions. Ask as a fee. The usage fee is determined in stages according to the number of processing cases, for example. Pay-as-you-go charges and basic charges are set by Bank A in principle. In addition, in consideration of the effect of reducing labor costs on the bank side by employees of the borrower company doing business related work on behalf of Bank A employees, the fee structure of the lending fee is based on the case where a normal branch is used. The fee is set lower than the fee collected.

  The lending fee calculated by the lending fee calculating unit 1205 is transmitted to the host computer 11 by the data communication unit 1201 (S614). The loan fee transmitted at this time is accompanied by the account number of the parent account that is the debit destination of the loan fee stored in the terminal device 13. The lending fee transmitted from the lending branch management server 12 is received by the data communication unit 1101 of the host computer 11 and further delivered to the account management unit 1102 (S615). Then, the account management unit 1102 deducts the delivered lending fee from the parent account specified by the account number sent along with the lending fee (S616).

  Thus, the payment of the lending fee from the company B to the bank A is not directly debited from the child account but indirectly through the parent account. For this reason, the bank A can collect lending fees from the company B in a lump without causing cash transfer compared to the case where the lending fee is individually collected for each branch user in the company B. .

  Next, the usage fee settlement process will be described with reference to the flowchart shown in FIG. The usage fee is settled on a monthly basis, for example. The usage fee is calculated based on the number of transactions for each type of transaction registered in the processing number database 1208 and a rate registered in the usage fee database 1211 (hereinafter referred to as a usage fee rate). In this way, the usage fee rate can be set separately from the rental fee rate. For this reason, the company B can individually set the fee structure of the usage fee to be collected for each branch user according to their own circumstances and circumstances.

  As shown in FIG. 8, when the timing for settlement of the usage fee arrives, the usage fee calculation unit 1206 reads out the number of transactions for each type of transaction for each child account from the account-by-account processing count database 1213 (S811), and the usage fee. The usage fee rate corresponding to the type of transaction is read from the database 1211 (S812). FIG. 9 shows an example of registered contents of the account-specific processing number database 1213. As shown in the figure, in the account-by-account processing number database 1213, an account number 12131 of a child account, a transaction type 12132, and a processing number 12133 are registered in association with each other. FIG. 10 shows an example of registration contents of the usage fee database 1211. As shown in the figure, in the usage fee database 1211, an account number 12111 of a child account, a transaction type 12112, a usage fee rate 12113, and an account number 12114 of a parent account are registered in association with each other.

  Next, the usage fee calculation unit 1206 obtains a usage fee for each child account based on the read information (S813). Here, the usage fee is obtained as follows. First, the usage fee rate and the number of transactions are multiplied for each type of transaction, and these are totaled for each child account. Then, a value obtained by multiplying the totaled value by a metered fee determined according to the number of processing for each child account is obtained, and an amount obtained by adding the basic fee to this value is defined as a usage fee. The pay-as-you-go fee in this case is determined in stages according to the number of processing cases, for example. Note that the pay-as-you-go charges and the basic charges are set by the company B, which is a branch lender in principle.

  The usage fee calculated by the usage fee calculation unit 1206 is transmitted to the host computer 11 by the data communication unit 1201 (S814). The usage fee transmitted at this time includes the account number of the child account to which the usage fee is deducted and the account number of the parent account associated with the child account in the account-specific processing count database 1213. Accompanying.

  The usage fee transmitted from the lending branch management server 12 is received by the data communication unit 1101 of the host computer 11 and further passed to the account management unit 1102 (S815). Then, the account management unit 1102 deducts the passed usage fee from the account specified by the account number of the child account that is sent accompanying it (S816), and deposits the deducted usage fee to the parent account. (S817). As described above, the usage fee is transferred without transferring cash from the child account to the parent account.

  As described above, the payment of the usage fee from the branch user to the company B is performed by manipulating the account balance in the account database 1103 such as withdrawal from the child account and payment to the parent account. Therefore, the bank A can easily realize a mechanism for paying the usage fee from the branch user to the company B without providing a special mechanism for operating the registered contents of the account database 1103. Also, the company B and the branch user can open a child account in the bank A, or can use the lending branch using their own account already opened in the bank A as a child account.

  By the way, the above description is for facilitating the understanding of the present invention, and does not limit the present invention. It goes without saying that the present invention can be changed and improved without departing from the gist thereof, and the present invention includes equivalents thereof.

It is a figure which shows the notional structure of the bank branch rental service demonstrated as one Example of this invention. The main hardware constitutions of the lending branch management system 1 demonstrated as one Example of this invention are shown. It is a figure which shows an example of the hardware constitutions of the computer used as the host computer 11, the rental branch server 12, and the terminal device 13 demonstrated as one Example of this invention. It is a figure which shows the various functions and database which operate | move in the host computer 11, the rental branch management server 12, and the terminal device 13 demonstrated as one Example of this invention. It is a flowchart explaining the transaction relevant process demonstrated as one Example of this invention. It is a figure which shows an example of the registration content of the user database 1207 demonstrated as one Example of this invention. It is a figure which shows an example of the registration content of the handleable transaction database 1212 demonstrated as one Example of this invention. It is a figure which shows an example of the registration content of the processing number database 1208 demonstrated as one Example of this invention. It is a figure which shows an example of the registration content of the account database 1103 demonstrated as one Example of this invention. It is a flowchart explaining the rental fee collection process demonstrated as one Example of this invention. It is a figure which shows an example of the registration content of the rental fee database 1210 demonstrated as one Example of this invention. It is a flowchart explaining the use fee payment process demonstrated as one Example of this invention. It is a figure which shows an example of the registration content of the processing number database 1213 classified by account demonstrated as one Example of this invention. It is a figure which shows an example of the registration content of the usage fee database 1211 demonstrated as one Example of this invention.

Explanation of symbols

11 Host computer 12 Lending branch management server 13 Terminal device 14 ATM
DESCRIPTION OF SYMBOLS 15 Communication network 16 Communication network 17 Communication line 18 Communication line 1202 Authentication process part 1203 Process number update part 1204 Process number update part 1205 Lending fee calculation part 1206 Use fee calculation part 1207 User database 1208 Process number database 1209 Management object database 1210 Lending fee database 1211 Usage fee database 1212 Available transaction database 1213 Account count database

Claims (11)

A lending branch management system applied to a service in which a financial institution lends a branch to a lender such as a company and performs a transaction on behalf of the branch,
Means for receiving from the terminal device the contents of a transaction accepted by a terminal device connected to be communicable; and means for obtaining a lending fee that is a fee collected by the financial institution from the lender based on the contents of the transaction; A loan branch management system comprising: means for storing an account balance of a parent account which is a representative account of the loan destination; and means for deducting the loan fee from the parent account of the loan destination. The lending branch management system according to claim 1,
Means for obtaining a usage fee, which is a fee generated when the user uses the branch, and means for storing an account balance of one or more child accounts opened by a user of the branch at the loan destination And a means for debiting the usage fee from the child account, and a means for depositing the deducted usage fee to the parent account. The lending branch management system according to claim 1,
The financial institution is obtained on the basis of the contents of the received transaction and means for storing a rental fee rate that is a rate for each type of transaction, which is referred to when a loan fee that is a fee collected from the lender is obtained. Means for storing a cumulative value of the number of transactions for each type of transaction,
The lending branch management system, wherein the means for obtaining the lending fee is a means for obtaining the lending fee based on the lending fee rate and the accumulated value. The lending branch management system according to claim 2,
Means for storing a usage fee that is a fee for each type of transaction, which is referred to when obtaining a usage fee that is a fee collected from the holder of the child account, and a transaction obtained based on the contents of the received transaction Means for storing a cumulative value of the number of processing cases for each type of
The lending branch management system characterized in that the means for obtaining the usage fee is a means for obtaining the usage fee based on the usage fee rate and the accumulated value. A lending branch management system applied to a service in which a financial institution lends a branch to a lender such as a company and performs a transaction on behalf of the branch,
A host computer installed on the financial institution side, a lending branch management server communicatively connected to the host computer, and the lending branch management server installed on the lending side,
The lending branch management server receives from the terminal device the contents of the transaction accepted by the terminal device connected so as to be communicable, and the financial institution collects from the lending destination based on the received content of the transaction. Means for determining a lending fee which is a fee; and means for transmitting the lending fee to the host computer,
The host computer stores means for storing an account balance of a parent account that is a representative account of the loan destination, means for receiving the loan fee, and means for deducting the received loan fee from the parent account of the loan destination A lending branch management system characterized by comprising: The lending branch management system according to claim 5,
The lending branch management server has means for obtaining a usage fee, which is a fee generated when the user uses the branch, and means for transmitting the lending fee to the host computer,
The host computer stores means for storing an account balance of one or more child accounts opened by a user of the branch at the loan destination, means for withdrawing the use fee from the child account, and the use withdrawn And a means for depositing a fee to the parent account. The lending branch management system according to any one of claims 1 to 6,
Including a terminal device communicably connected to the lending branch management server,
The lending branch management server has means for storing information for identifying the lending destination and information for identifying a transaction that can be handled at each lending destination in association with each other,
The terminal device includes means for transmitting a message inquiring about the available transaction together with information for identifying the lending destination to the lending branch management server,
The lending branch management server has means for transmitting to the terminal device information specifying the dealable transaction associated with information specifying the lending destination when receiving the message,
The lending branch management system, characterized in that the terminal device has means for receiving and displaying information specifying the transaction that can be handled. The lending branch management system according to any one of claims 1 to 7,
Including a terminal device communicably connected to the lending branch management server,
The lending branch management server has means for storing information for identifying the lending destination, information for identifying the transaction, and time available for the transaction in association with each other,
The terminal device has means for transmitting to the lending branch management server a message for inquiring an available time of the transaction accompanied by information identifying the lending destination and information identifying the transaction,
When the lending branch management server receives the message, the lending branch management server has means for transmitting the available time corresponding to the information identifying the lending destination and the information identifying the transaction to the terminal device,
The terminal device has means for controlling means for accepting an input of the contents of the transaction so that the transaction corresponding to the information specifying the transaction can be used only when the current time is within the available time. Lending branch management system characterized by having. The lending branch management system according to any one of claims 1 to 8,
A terminal device that is communicably connected to the lending branch management server, and an ATM that is installed on the branch side and is communicably connected to the terminal device,
The terminal device has means for accepting the contents of the transaction for handling cash, and means for notifying the ATM of a message indicating that when the contents of the transaction are accepted,
The ATM includes means for receiving the message, means for waiting for cash deposit corresponding to the content of the transaction when the message is received, and a message indicating the cash deposit when there is the cash deposit. Means for transmitting to the device,
The terminal device includes means for receiving the message that the cash has been received, and means for transmitting the transaction content to the lending branch management server when the message is received. Lending branch management system characterized by this. The lending branch management server used in the lending branch management system according to claim 5,
In the lending branch management system, a means for receiving the contents of the transaction and a lending rate that is a rate for each type of transaction that is referred to when the bank obtains a lending fee that is a fee collected from the lending destination are stored. Means for storing, a means for storing the cumulative value of the number of transactions for each type of transaction obtained based on the contents of the received transaction, a means for obtaining the loan fee based on the loan fee rate and the cumulative value, And a means for transmitting the lending fee to the host computer. The lending branch management server used in the lending branch management system according to claim 6,
In the lending branch management system, a means for receiving the contents of the transaction and a usage fee that is a fee for each type of transaction referred to when obtaining a usage fee that is a fee collected from a holder of the child account is stored. Means for storing, a means for storing a cumulative value of the number of transactions for each type of transaction obtained based on the content of the received transaction, a means for obtaining the usage fee based on the usage fee rate and the cumulative value, And a means for transmitting the usage fee to the host computer.

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