JP2006099644A - Account management method and account management program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an account management method and account management program for managing a preferential treatment of a charge imparted to a specific customer in transaction in a financial institution. <P>SOLUTION: A host system 20 is provided with a bank account data storage part 22 and a charge dedicated account data storage part 23. The charge dedicated account recorded in the charge dedicated account data storage part 23 is correlated with a user's original bank account recorded in the bank account data storage part 22. When the user is provided with the preferential treatment of the charge, a preferential amount of money is recorded in the balance of the charge dedicated account. When executing charge payment processing, a management computer 21 retrieves an account from which the charge is withdrawn. When the charge dedicated account having effective balance is specified, the management computer 21 withdraws the charge by using the balance in the charge dedicated account. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to an account management method and an account management program used for managing fee preferential treatment given to a predetermined customer in a transaction of a financial institution.

  When using various services in a financial institution, it is necessary to pay a fee for the use. For example, when requesting a transfer process to another person's deposit account, a transfer fee is required in addition to the original transfer amount. An account transfer fee is also required when using the account transfer service. In addition, an EB fee is required when using an electronic banking (EB) service.

In order to give preferential treatment to users, the fee may be exempted or reduced under certain conditions. For example, an advertisement providing method and an advertisement providing program for providing an advertisement to a user waiting for processing and reducing the fee for viewing the advertisement are disclosed (for example, refer to Patent Document 1). In this technique, while the user is executing the transfer process, the advertisement is output to the automatic teller machine, and the number of points of the advertisement is recorded in the display data storage unit. When the transfer process is completed, the management computer calculates a discount amount corresponding to the number of points recorded in the display data storage unit. Then, a fee preferential treatment is performed by deducting the amount obtained by subtracting the discount amount from the fee required for the processing from the user's account.
JP 2003-228309 A (first page)

  As described above, various user incentives are provided today. However, the services desired by each customer are different. In addition, in order to acquire new customers, it is necessary to provide preferential treatment with impact. Even in that case, it is important to manage preferential treatment efficiently.

  SUMMARY OF THE INVENTION The present invention has been made to solve the above-described problems, and an object of the present invention is account management that can efficiently and flexibly manage fee preferential treatment given to a predetermined customer in a transaction of a financial institution. It is to provide a method and an account management program.

  In order to solve the above-mentioned problems, the invention described in claim 1 includes a deposit account data storage means for recording a deposit account identifier and balance data for specifying a deposit account established in a financial institution, and the deposit An account management method for managing fee payment using a management computer and a fee-only account data storage unit that records data relating to a balance of a fee-only account associated with a deposit account via an account identifier, An account search in which the management computer specifies a deposit account identifier of a deposit account from which a fee is deducted for a user, and searches for a fee-dedicated account associated through the deposit account identifier in the fee-dedicated account data storage means When the processing stage and the fee-dedicated account can be identified, record in the fee-dedicated account data storage means A processing including a withdrawal processing stage for deducting the amount of the fee from the balance outstanding and calculating the shortage amount, and a shortage processing stage for withdrawing the shortage amount from the balance recorded in the deposit account data storage means Is the gist.

According to a second aspect of the present invention, in the account management method according to the first aspect, the fee-dedicated account data storage means further records data relating to an expiration date for which the balance of the fee-dedicated account can be used, and the withdrawal process The stage is summarized in that the fee amount is deducted from the balance of the dedicated account for fees that has not expired.

  The invention according to claim 3 is the account management method according to claim 1 or 2, wherein the fee-dedicated account data storage means further records data relating to a target type that can use a balance of the fee-dedicated account, The debit processing stage is characterized in that the type in which the fee is generated is specified, and the amount of the fee is deducted from the balance of the fee-dedicated account with this type as the target type.

  According to a fourth aspect of the present invention, there is provided a deposit account data storage means for recording data relating to a deposit account identifier and a balance for specifying a deposit account established in a financial institution, and an account associated with the deposit account via the deposit account identifier. A deposit account management program for managing fee payment using a fee-dedicated account data storage means that records data relating to the balance of a given fee-dedicated account and a management computer, the management computer being used by a user A deposit account identifier of a deposit account from which a fee is deducted, and an account search processing unit that searches the fee-dedicated account data storage unit for a fee-dedicated account associated through the deposit account identifier; and the fee-dedicated processing unit If the account can be identified, it is calculated from the balance recorded in the fee-dedicated account data storage means. To debit the amount of charge, and withdrawal processing means for calculating the shortfall, and gist of the case in which the shortfall as withdrawal and to shortfall processing means from the recorded balance the account data storage unit.

  According to a fifth aspect of the present invention, in the account management program according to the fourth aspect of the present invention, the fee-dedicated account data storage means further records data relating to an expiration date in which the balance of the fee-dedicated account can be used, and the withdrawal process The means is to deduct the amount of the fee from the balance of the fee-dedicated account that has not expired.

  The invention according to claim 6 is the account management program according to claim 4 or 5, wherein the fee-dedicated account data storage means further records data relating to a target type that can use the balance of the fee-dedicated account, The summary of the debit processing means is to identify the type in which the fee is generated and deduct the amount of the fee from the balance of the dedicated account for the fee with this type as the target type.

(Function)
According to the invention described in claim 1 or 4, it is possible to give preferential treatment to the user by giving a fee-dedicated account to the user and providing a balance to the fee-dedicated account. In a financial institution, a computer system that correlates a plurality of accounts with each other is already used. Therefore, by applying this technology, fee preferential treatment can be managed efficiently and flexibly. That is, preferential treatment can be provided to the user by setting a fee-dedicated account as necessary.

According to the invention described in claim 2 or 5, a fee preferential treatment can be provided to the user for a limited period.
According to the invention described in claim 3 or 6, even when a financial institution conducts various transactions with a user, a fee preferential treatment for a specific transaction can be provided to the user.

  According to the present invention, it is possible to efficiently and flexibly manage fee preferential treatment provided to a predetermined customer in a transaction of a financial institution.

Hereinafter, an embodiment embodying the present invention will be described with reference to FIGS. In this embodiment, a fee required when using a service provided by a financial institution (here, a bank) will be described as an account management method and an account management program for managing preferential treatment for discounting the fee.

  In this embodiment, when a user uses a service provided by a bank, an automatic teller machine 10 is used as shown in FIG. When a user in the company requests a service from the bank, the company terminal 11 is used. Furthermore, an individual customer who uses net banking uses the individual user terminal 12. These terminals are connected to a host system 20 as an account management system via various networks.

  The host system 20 manages the user's deposit account and executes a fee management process for various services provided by the bank. As shown in FIG. 1, the host system 20 includes a management computer 21 that performs deposit / withdrawal of deposit accounts, balance management processing, and the like.

  The management computer 21 includes a CPU, a RAM, a ROM, and the like (not shown), and performs processing described later (processing including an account search processing stage, a withdrawal processing stage, and a shortage processing stage). By executing the account management program for this purpose, the management computer 21 functions as account search processing means, withdrawal processing means, shortage amount processing means, and the like.

  The host system 20 includes a deposit account data storage unit 22 as a deposit data storage unit and a fee dedicated account data storage unit 23 as a fee dedicated account data storage unit, and is connected to the management computer 21.

  As shown in FIG. 2, the deposit account data storage unit 22 stores deposit account data 220 relating to a deposit account opened in a financial institution. This deposit account data 220 is generated when a user opens a deposit account in a financial institution. The deposit account data 220 includes data related to a deposit account identifier, a user identifier, an account balance, and a fee dedicated account setting flag.

  Data relating to an identifier for identifying a deposit account is recorded in the deposit account identifier data area. In the present embodiment, this deposit account identifier includes data relating to a branch, a deposit type, and an account number.

  In the user identifier data area, data relating to an identifier for identifying a customer who is the holder of the deposit account is recorded. By using this user identifier, customer attribute information such as the customer's name can be acquired from a customer information storage unit (not shown).

Data relating to the balance of the deposit account is recorded in the account balance data area.
In the fee-dedicated account setting flag data area, a flag for determining whether or not a fee-dedicated account is set for this deposit account is recorded. In the present embodiment, this fee-dedicated account setting flag is recorded when a bank provides a fee discount service to a user. Simultaneously with the recording of this flag, data related to the fee-dedicated account is recorded in the fee-dedicated account data storage unit 23 described later. Specifically, a flag of “present” is recorded when a fee-dedicated account is set for this deposit account, and is blank when a fee-dedicated account is not set.

As shown in FIG. 3, fee-dedicated account data 230 relating to a fee-dedicated account is recorded in the fee-dedicated account data storage unit 23. In the present embodiment, as shown in FIG. 5, a plurality of fee-dedicated accounts 510 are associated with the user's original deposit account 500. This fee-dedicated account 510 includes a transfer fee-dedicated account 511, an account transfer fee-dedicated account 512, an EB fee-dedicated account 513, etc., and this fee-dedicated account 510 allows users to use bank services as will be described later. However, it can be used to pay a fee for this use. This fee-dedicated account data 230 is generated when a “present” flag is recorded as a fee-dedicated account setting flag in the above-described deposit account data 220. This fee-dedicated account data 230 includes data relating to a fee-dedicated account identifier, a deposit account identifier, a target type, an account balance, and an expiration date.

In the fee-dedicated account identifier data area, data relating to an identifier for identifying the fee-dedicated account is recorded.
In the deposit account identifier data area, data relating to an identifier for specifying the original deposit account of the user to whom the fee-dedicated account is assigned is recorded. The deposit account identifier is associated with the deposit account recorded in the deposit account data storage unit 22.

  In the target type data area, data for specifying the type of fee that can use the balance of the fee-dedicated account is recorded. For example, "transfer" is allowed when using the transfer fee, and "account transfer" is allowed when using the account transfer fee. In such a case, an identifier for specifying each fee, such as “EB”, is recorded. In addition, when it is possible to use all fees, the target type data area is blank.

  In the account balance data area, data relating to the balance of the fee-dedicated account is recorded. In the present embodiment, this account balance is given so that the bank preferentially treats the user, and is updated when this fee-dedicated account is used.

  In the expiration date data area, data related to the expiration date of the balance of the fee-dedicated account is recorded. In this embodiment, each fee-dedicated account 510 has an expiration date, and the account balance of this fee-dedicated account can be used for fee payment until this date.

  A processing procedure related to the management of the fee-dedicated account using the system configured as described above will be described below. Here, the fee-dedicated account setting process and the fee payment process will be described in this order.

(Processing for setting up a dedicated account for fees)
First, the bank grants a fee-only account to customers who want to offer preferential treatment for fees. For example, a fee-dedicated account is granted to a customer who newly opens a deposit account and newly starts a transaction such as a transfer with a bank. Moreover, you may give the account only for a fee as a preferential service according to the amount of transaction to the customer who has dealings with a bank continuously.

  When granting a fee-only account, the fee-dedicated account identifier is determined, and the fee-dedicated account identifier is associated with the deposit account identifier of the user's original deposit account (newly opened account for new customers). The fee-dedicated account data 230 is recorded in the fee-dedicated account data storage unit 23. Further, a target type that gives preferential treatment to the user is determined. For example, when giving preferential treatment for the transfer fee, an identifier for specifying “transfer” is recorded in the target type data area. In the case where preferential treatment is given for all fees, the target type data area is blank.

  Further, the preferential amount provided by the user and the expiration date are determined and recorded in the account balance data area and the expiration date data area, respectively. For example, when providing preferential treatment for “100,000 yen” to a new customer until “December 31, 2004”, the account balance is “100,000 yen” and the expiration date is “12, 2004”. “Month 31” is recorded in each data area. Thus, the set fee-dedicated account can be used.

(Fee payment processing)
Next, fee payment processing when a user uses a bank service to pay the fee will be described with reference to FIG. Fees may be withdrawn each time the service is used or on a monthly basis. When the fee is withdrawn each time, the fee is calculated for each use, and the amount including the fee and the amount related to the original transaction (for example, in the case of transfer) is withdrawn. In this case, the user's deposit account is specified based on the deposit account identifier included in the transaction instruction such as transfer. On the other hand, in the case of lump sum (for example, monthly), the amount related to the original transaction is deducted each time, and the fee is deducted collectively for one month. Here, the case where the fee is paid monthly will be described. In this case, the management computer 21 of the host system 20 stores a fee management data storage unit (not shown) that stores information on fees generated each time the service is provided for each type of account identifier of the user. Keep a record.

  Then, when it is time to deduct the fee, the management computer 21 of the host system 20 calculates the fee for the user (step S1-1). Here, the total amount is calculated for each transaction type regarding unpaid fees. For example, a transfer fee, an account transfer fee, an EB fee, etc. are calculated.

  Next, the management computer 21 searches for an account for withdrawing this fee (step S1-2). Specifically, first, the management computer 21 extracts the deposit account data 220 related to the user's original deposit account from the deposit account data storage unit 22. Then, the management computer 21 determines whether or not there is a fee-dedicated account associated with this deposit account. In the present embodiment, the management computer 21 makes a determination based on a fee-dedicated account setting flag included in the deposit account data 220.

  When the fee-dedicated account setting flag is blank and no fee-dedicated account is set (in the case of “NO” in step S1-3), the management computer 21 deducts the fee using the user's original deposit account ( Step S1-8). Specifically, the amount of the fee is subtracted from the account balance of the deposit account data 220, and the deposit account data 220 is updated with this as a new account balance.

  On the other hand, when the “exist” flag is recorded as the fee dedicated account setting flag and the fee dedicated account is set (in the case of “YES” in step S1-3), as shown in FIG. 21 searches the fee-dedicated account data storage unit 23 and extracts fee-dedicated account data 230 recorded in association with the deposit account identifier. Furthermore, the management computer 21 confirms whether or not there is the fee-dedicated account data 230 including the target type corresponding to each fee type (for example, “transfer” or “account transfer”). Then, the management computer 21 distributes each fee to be debited to each fee-dedicated account.

  Here, even if the fee-dedicated account 510 corresponding to each fee is not set, processing is performed as “NO” in step S1-3. Then, the following processing is executed for each specified fee-dedicated account 510.

  Next, the management computer 21 checks whether or not there is a balance in the fee-dedicated account 510 using the fee-dedicated account data 230 (step S1-4). Here, the fee-dedicated account data 230 including the target type corresponding to the fee is specified, and the presence or absence of the balance is confirmed.

When there is no balance in the fee-dedicated account 510 corresponding to the target type (in the case of “NO” in step S1-4), the management computer 21 deducts the fee using the user's original deposit account 500 (step S1- 8).

  On the other hand, when the account balance remains in the fee-dedicated account 510 corresponding to the type of fee (in the case of “YES” in step S1-4), the management computer 21 sets the expiration date of the balance of the fee-dedicated account 510. Confirm (step S1-5). Specifically, it is compared whether or not the current date has passed the expiration date of the fee-dedicated account data 230 recorded in the fee-dedicated account data storage unit 23.

  When the expiration date has passed (in the case of “NO” in step S1-5), the management computer 21 deducts the fee using the user's original deposit account 500 (step S1-8).

  On the other hand, if the expiration date has not passed (“YES” in step S1-5), the management computer 21 deducts the fee amount from the balance of the fee-dedicated account 510 and updates the account balance (step S1-5). S1-6). Specifically, the management computer 21 calculates an account balance obtained by subtracting the fee amount from the account balance of the fee-dedicated account data 230 recorded in the fee-dedicated account data storage unit 23, and uses it as the account balance of the fee-dedicated account data 230. Update.

  Here, when there is an account balance equal to or greater than the fee amount in the fee-dedicated account (in the case of “YES” in step S1-7), the management computer 21 sets the fee for the fee-dedicated account 510 as “insufficient amount = 0”. End payment processing.

  On the other hand, when the account balance of the fee-dedicated account 510 is not sufficient with respect to the fee amount (in the case of “NO” in step S1-7), the management computer 21 calculates the shortage amount and calculates the shortage amount. A process of deducting from the original deposit account 500 is executed (step S1-8). As described above, the customer can pay each fee using the fee-dedicated account 510.

According to this embodiment, the following effects can be obtained.
In the present embodiment, the fee-dedicated account data 230 relating to the fee-dedicated account associated with the deposit account is recorded in the fee-dedicated account data storage unit 23. The user's original deposit account 500 and the fee-dedicated account 510 are associated with each other. If there is a valid balance in this fee-dedicated account 510, the user can pay a fee using this balance. Accordingly, the bank can efficiently provide a fee preferential service to the user by using the balance of the fee-dedicated account 510.

  In this embodiment, the fee-dedicated account data 230 recorded in the fee-dedicated account data storage unit 23 includes data related to a fee-dedicated account identifier, a deposit account identifier, a target type, an account balance, and an expiration date. . Here, in the target type data area, data for specifying the type of fee that can use the balance of the fee-dedicated account is recorded. Then, the management computer 21 uses the fee-dedicated account data 230 to perform fee deduction. As a result, the bank can flexibly provide preferential treatment for a specific fee.

In this embodiment, the fee-dedicated account data 230 recorded in the fee-dedicated account data storage unit 23 includes data related to a fee-dedicated account identifier, a deposit account identifier, a target type, an account balance, and an expiration date. . Here, data relating to the expiration date of the balance of the fee-dedicated account is recorded in the expiration date data area. Then, the management computer 21 confirms the expiration date of the balance of the fee dedicated account 510 when the fee is deducted (step S1-5). If the expiration date has not elapsed, the management computer 21 deducts the fee amount from the balance of the fee-dedicated account 510 (step S1-6). Thereby, the bank can provide a preferential period for the fee by providing a preferential period for the fee.

In addition, you may change each said embodiment as follows.
In the above embodiment, when there is a balance of the fee-dedicated account 510 before the expiration date, the management computer 21 deducts the fee amount from this balance and updates the account balance (step S1-6). Instead, an upper limit may be set for a fee preferential amount (amount discounted by using a fee-dedicated account). In this case, data relating to the upper limit of use is recorded in the fee dedicated account data 230. The management computer 21 compares the generated fee with the upper limit, and withdraws the lower one from the account balance of the fee-dedicated account 510. Then, the difference between the deducted amount and the fee amount is calculated as an insufficient amount, and this insufficient amount is subtracted from the account balance of the deposit account data 220 recorded in the deposit account data storage unit 22. Thereby, the bank can provide preferential treatment to the user while providing discount conditions for preferential treatment of fees.

  In the above embodiment, it is assumed that fees are withdrawn in a lump. Instead of this, it is also applicable when the fee is withdrawn each time. This will be described with reference to FIG. For example, when making a transfer request using the deposit account 600, a fee is calculated based on this transfer amount. Then, this fee is deducted from the fee-dedicated account 610. Then, the shortage amount that could not be paid with the balance of the fee account 610 is calculated, the shortage amount is returned to the user's original deposit account 600, and the transfer amount and the fee shortage amount using the balance of the deposit account 600 are calculated. And withdraw. Thereby, it is applicable also when the fee is deducted each time.

  In the above embodiment, the fee-dedicated account data 230 includes data related to the expiration date. If the account balance remains in the fee dedicated account 510 corresponding to the fee type, the management computer 21 checks the expiration date of the balance of the fee dedicated account 510 (step S1-5). Alternatively, the management computer 21 may periodically check the expiration date of the fee-dedicated account and delete the fee-dedicated account 510 after the expiration date. In this case, the management computer 21 deletes the fee dedicated account data 230 regarding the fee dedicated account 510. When all fee-dedicated accounts 510 associated with the deposit account are deleted, the fee-dedicated account setting flag in the deposit account data 220 is deleted. As a result, the management computer 21 can reduce the confirmation load of the fee-dedicated account 510 and further reduce the storage capacity of the fee-dedicated account data storage unit 23.

The system schematic of embodiment of this invention. Explanatory drawing of the data recorded on the deposit account data storage part. Explanatory drawing of the data recorded on the commission account data storage part. Explanatory drawing of the process sequence of this embodiment. Explanatory drawing of the relationship between a deposit account and a fee-only account. Explanatory drawing of the relationship between the deposit account of this embodiment, and a fee exclusive account. Explanatory drawing of the relationship between the deposit account of other embodiment, and a fee exclusive account.

Explanation of symbols

  DESCRIPTION OF SYMBOLS 20 ... Host system, 21 ... Management computer, 22 ... Deposit account data storage part as deposit account data storage means, 23 ... Fee-dedicated account data storage part as fee-dedicated account data storage means, 500, 600 ... Deposit account, 510 610 ... A dedicated account for fees.

Claims (6)

Deposit account data storage means for recording data relating to a deposit account identifier and balance for identifying a deposit account opened in a financial institution, and data relating to the balance of a dedicated account associated with the deposit account via this deposit account identifier An account management method for managing payment of fees using a fee-dedicated account data storage means and a management computer,
The management computer is
An account search processing step of identifying a deposit account identifier of a deposit account from which a fee is deducted for a user, and searching a fee-dedicated account associated through the deposit account identifier in the fee-dedicated account data storage means;
If the fee-dedicated account can be identified, a debit processing step of deducting the amount of the fee from the balance recorded in the fee-dedicated account data storage means and calculating the shortage amount;
An account management method comprising: executing a process including a shortage amount processing step of deducting a shortage amount from a balance recorded in the deposit account data storage means. The fee-dedicated account data storage means further records data relating to an expiration date for using the balance of the fee-dedicated account,
The account management method according to claim 1, wherein in the withdrawal process step, the amount of the commission is withdrawn from a balance of the commission dedicated account that has not expired. The fee-dedicated account data storage means further records data related to the target type that can use the balance of the fee-dedicated account,
3. The account management method according to claim 1, wherein the debit processing step specifies a type in which the fee is generated and deducts the amount of the fee from a balance of the fee-dedicated account having the type as a target type. . Deposit account data storage means for recording data relating to a deposit account identifier and balance for identifying a deposit account established in a financial institution, and data relating to a balance of a dedicated account associated with the deposit account via this deposit account identifier A deposit account management program for managing fee payments using a fee-dedicated account data storage means and a management computer,
The management computer,
An account search processing means for specifying a deposit account identifier of a deposit account from which a fee is deducted for a user, and searching for a fee-dedicated account associated through the deposit account identifier in the fee-dedicated account data storage means;
When the fee-dedicated account can be identified, a debit processing unit that deducts the amount of the fee from the balance recorded in the fee-dedicated account data storage unit and calculates the shortage amount;
An account management program that functions as a deficiency processing means for deducting a deficiency from a balance recorded in the deposit account data storage means. The fee-dedicated account data storage means further records data relating to an expiration date for using the balance of the fee-dedicated account,
5. The account management program according to claim 4, wherein the withdrawal processing means withdraws the amount of the fee from the balance of the fee-dedicated account that has not expired. The fee-dedicated account data storage means further records data related to the target type that can use the balance of the fee-dedicated account,
6. The account management program according to claim 4 or 5, wherein the withdrawal processing means identifies the type in which the fee is generated and deducts the amount of the fee from the balance of the fee-dedicated account with this type as the target type. .

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