JP2006243796A - Account fund transfer support system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an account fund transfer support system or the like capable of performing fund transfer between accounts while minimizing fees of financial facilities. <P>SOLUTION: This system comprises an account fund transfer support device having an account fund transfer instruction device and a financial server responding device; and a financial server computer. The account fund transfer support device generates fund movement information for performing fund transfer between a centralized account set to one of accounts of the same bank and general accounts set to accounts other than the centralized account of the same bank, thereby concentrating funds of general accounts to the centralized account of the same bank. Fund transfer information for performing fund transfer between the centralized account centralized for each bank and a pooling account set to one of accounts owned by a user is generated. By to this, the fund transfer between accounts is performed while minimizing the fees of financial facilities. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to an account fund transfer support system that supports funds transfer between accounts established in financial institutions.

  For example, one account opened in a bank may accumulate more funds than necessary and the funds may be idle, while other accounts may have less than the amount automatically deducted. For this reason, depositors have been widely transferring funds between accounts in order to make effective use of idle funds or to allow automatic withdrawals. This transfer of funds between multiple accounts has conventionally been performed by depositors at the bank window or on the bank online screen so that funds are not transferred from an account with a small balance to another account. This is done for each account while checking the balance of each account. However, as the number of accounts increases, it takes time and effort to check the balance of each account and perform the procedure for transferring funds for each account.

For this reason, for example, a fund transfer control device having a simulation function capable of estimating the transfer of funds before the execution of the transfer of funds between accounts has been proposed. With this device, the account balance after the transfer of funds can be confirmed in advance before execution, and it is possible to prevent the transfer of funds from an account with a small balance to another account.
JP 2001-290941 A

  However, even if this funds transfer control device is used, there are many cases where there is a fee to be paid to the bank for transferring funds between accounts, so the number of accounts increases, and funds transfer between accounts frequently. And there is a problem that the fee for transferring the funds becomes enormous.

  In general, the fee required for transferring funds between accounts at different banks is higher than when transferring between accounts at the same bank, although it can be done between accounts at the same bank. In some cases, it is done between different bank accounts, and the fee may be more than necessary.

  SUMMARY OF THE INVENTION An object of the present invention is to provide an account fund transfer support system and the like that can transfer funds between accounts with a reduced fee of a financial institution.

  Another object of the present invention is to provide an automatic fund transfer support system that can automatically transfer funds in each account.

  The invention according to claim 1 of the present application is an account fund transfer support system comprising: an account fund transfer support device that supports transfer of funds between accounts opened in a financial institution; and a financial server computer that manages accounts. The above-mentioned account fund transfer support device is configured to provide an i-th account (2 ≦ i ≦) in a first account to an n-th account (3 ≦ n) in which a plurality of accounts of a user are classified so as to correspond to a concentration level of funds. n) and the (i-1) th account to which the funds of the i-th account are concentrated and associated with the (i-1) th account having a smaller number of accounts than the i-th account An account fund transfer instruction device including an account information database in which target balances and allowable balance ranges set in advance for each account are recorded in association with each account, and an account fund transfer instruction device and a financial server computer via a communication network A financial server response device connected in a reliable manner, wherein the account fund transfer instruction device compares the balance to be calculated of the i-th account with the allowable balance range of the i-th account, and When it is determined whether the balance to be calculated is within the allowable balance range of the i-th account, and when it is determined that the balance is not within the allowable balance range, the funds are concentrated in the i-th account and the i-th account. Transfer of funds corresponding to the transfer amount of the i-th account, which is the difference between the calculation target balance of the i-th account and the target balance of the i-th account, with the (i-1) -th account This is a series of operations from i = n to i = 2, in which the funds transfer information to be performed is generated and the calculation target balance of the (i-1) -th account is generated based on the generated fund transfer information. Fund transfer information generation means that repeats in order and funds transfer instruction information including the generated funds transfer information An account fund characterized by comprising: a transmission means for transmitting to the financial server response device, wherein the financial server response device comprises a transmission means for transmitting the received funds transfer instruction information to the financial server computer. It is a movement support system.

  Here, the “calculation target balance of the i-th account” means the balance of the i-th account that is the basis of calculation when generating funds transfer information from the i-th account to the (i-1) -th account. When i = n, it is the actual balance of the i-th account, and when i = n−1 to i = 2, the sum of the transfer amount of the related (i + 1) -th account and the It is the sum of the actual balance of the i-th account.

  The invention according to claim 2 of the present application is an account fund transfer instruction device for instructing transfer of funds between accounts opened in a financial institution so that a plurality of accounts possessed by a user correspond to the concentration level of funds. The (i-1) th account that is the concentration destination of funds of the i-th account (2 ≦ i ≦ n) and the i-th account in the classified primary account to n-th account (3 ≦ n) An account information database that records the associated (i-1) th account with a smaller number of accounts than the ith account, and records the target balance and allowable balance range preset for each account in association with each account. And the calculation target balance of the i-th account and the allowable balance range of the i-th account to determine whether the calculation target balance of the i-th account is within the allowable balance range of the i-th account. If it is determined that it is not within the allowable balance range, The i-th account, which is the difference between the calculation target balance of the i-th account and the target balance of the i-th account, with the (i-1) -th account where the funds of the i-th account are concentrated A series of operations for generating fund transfer information for transferring funds corresponding to the transfer amount and generating a calculation target balance of the (i-1) -th account based on the generated fund transfer information, An account fund transfer instruction device comprising: fund transfer information generation means that repeats in this order from i = n to i = 2.

  In the invention according to claim 3 of the present application, an i-th account (2 ≦ n) in a first account to an n-th account (3 ≦ n) in which a plurality of accounts of a user are classified so as to correspond to a concentration level of funds. i ≦ n) and the (i-1) th account, which is a concentration destination of funds of the i-th account, are recorded in association with each other, and a target balance and an allowable balance range set in advance for each account are associated with each account. Is a program that causes a computer having an account information database recorded in this manner to function as an account fund transfer instruction device for instructing the transfer of funds between accounts opened in a financial institution. Is compared with the allowable balance range of the i-th account, it is determined whether the calculation target balance of the i-th account is within the allowable balance range of the i-th account, and is determined not to be within the allowable balance range I-th exit I-th account, which is the difference between the calculation target balance of the i-th account and the target balance of the i-th account between the i-th account and the (i-1) -th account where the funds of the i-th account are concentrated A series of operations for generating fund transfer information for transferring funds corresponding to the transfer amount of the account and generating a calculation target balance of the (i-1) -th account based on the generated fund transfer information Are repeated in this order from i = n to i = 2.

  The invention according to claim 4 of the present application is an account fund transfer instruction method for instructing the transfer of funds between accounts opened in a financial institution using a computer, wherein a plurality of accounts of a user are brought to a concentration level of funds. The i-th account (2 ≦ i ≦ n) in the first to n-th accounts (3 ≦ n) classified so as to correspond to the i-th account (i−1) which is the concentration destination of funds of the i-th account. ) Record the next account that is associated with the (i-1) th account with a smaller number of accounts than the i-th account, and record the target balance and allowable balance range preset for each account in association with each account. A computer having the account information database prepared is prepared, the calculation target balance of the i-th account is compared with the allowable balance range of the i-th account, and the calculation target balance of the i-th account is the i-th account. Whether it is within the allowable balance range of The i-th account between the i-th account and the (i-1) -th account to which the funds of the i-th account are concentrated. The fund transfer information for transferring the funds corresponding to the transfer amount of the i-th account, which is the difference between the balance to be calculated and the target balance of the i-th account, is generated, and based on the generated fund transfer information And (i-1) an account fund transfer instruction method characterized in that a calculation target balance of the next account is generated and a series of operations are repeated in this order from i = n to i = 2. is there.

  In the invention according to claims 1, 2, 3, and 4 of the present application, for example, a plurality of accounts possessed by a user are set to a primary account to a tertiary account (3 = n) so as to correspond to a concentration level of funds. To do. More specifically, when there are a plurality of accounts in a bank as the same financial institution, one of the accounts is set as a secondary account where funds of other accounts are concentrated, The account is a third account, and funds are transferred between the second and third accounts to concentrate the funds in the second account. In this way, the funds are concentrated in the secondary account for each bank. For example, funds are transferred from a plurality of secondary accounts in which funds are concentrated for each bank to / from a primary account that is a concentration destination of funds in the secondary accounts. Concentrate on the primary account.

  In this way, before transferring funds between different financial institutions, transfer funds within the same bank in advance to minimize the number of accounts that need to be done between different financial institutions, Transfer funds between different financial institutions. Therefore, the funds required for transferring funds within the same financial institution (between the head office and branches, or between branches, and within a branch) are set at a lower cost than that between different financial institutions. You can keep the fees for doing In particular, when there are a large number of accounts and funds are frequently transferred between accounts, for example, on a daily basis, the fee for the financial institution can be suppressed, which can be advantageous.

  Here, “concentration of funds” in the present invention means positive concentration of funds or negative concentration of funds. Further, “positive concentration of funds” refers to remittance of funds to a fund concentration destination, and “negative concentration of funds” refers to receiving fund distribution from the concentration destination of funds.

  FIG. 1 is a block diagram of an embodiment of an account fund transfer support system having an account fund transfer support device according to an embodiment of the present invention.

  The account fund transfer support system of this embodiment includes an account fund transfer support device 1 and a plurality of financial server computers (hereinafter referred to as financial servers) 2.

  The account fund transfer support device 1 includes an account fund transfer instruction device 3 and a financial server response device 4. The account fund transfer instruction device 3 is communicably connected to the financial server response device 4 via the first communication network 10a, for example, ISDN. As shown in FIG. 1, the account fund transfer instruction device 3 includes an account information database 11a, a balance information database 11b, a fund transfer information database 11c, a deposit / withdrawal detail information database 11d, a financial institution information database 11e, Information acquisition means 12, balance batch display means 13, fund transfer information generation means 14, deposit / withdrawal details information acquisition means 16, deposit / withdrawal details batch display means 17, server response device receiving means 18, and server response Device transmitting means 19.

  In the account information database 11a, information on accounts held by the user is recorded. Specifically, the following information is input and recorded by the user for each account.

  First, as shown in FIG. 12, the account information database 11a manages a bank code that is bank identification information as financial identification information for identifying a bank that is a financial institution that has opened an account, and an account of the bank. An account code as account identification information for identifying the account to the financial server 2 is recorded in association with each other. The account code is recorded in association with a bank branch code and an account number which are branch identification information for identifying a bank branch (including the head office). The bank code functions as financial server identification information for identifying the financial server.

  Furthermore, the account type identification information for identifying the type of the account, such as whether it is an ordinary account or the current account, the name of the account holder, and the like are recorded in association with the bank code and the account code.

  Further, the account information database 11a records the concentration account classification for each account in association with the bank code and the account code.

  The concentration account classification is set in advance by the user as to which of the first account to the nth account (3 ≦ n) in which a plurality of accounts of the user are classified so as to correspond to the concentration level of funds. Is. In this embodiment, the first account to the third account (n = 3) are set. Specifically, as a general account as a third account, a central account as a secondary account where the funds of the general account are concentrated, and a primary account where the funds of the concentrated account are concentrated With a pooling account. In this embodiment, whether to set a general account, a centralized account, or a pooling account is determined as follows. The pooling account is one selected from all accounts of the user recorded in the account information database 11a. The centralized account is one selected from accounts having the same bank code recorded in the account information database 11a, that is, one of the accounts in the bank as the same financial institution (hereinafter referred to as the bank). It is. The general account is an account other than the pooling account and the central account.

  Specifically, for example, as shown in FIG. 16, the user has XX bank, △△△ bank, □□□ bank and other banks (in FIG. 16, XX bank, △△△ bank, □ □□ Only the bank is displayed.) If you have an account in □□□, specify the □□□ Umeda account of □□□ bank as a pooling account. In addition, as a centralized account, for example, XXX Umeda account is set up at XX bank, and △△△ ... station account is set up at △△△ bank. Accounts other than those, for example, XX Osaka central account or △△△ Umeda account are determined as general accounts.

  The “same financial institution” refers to, for example, the same institutional management organization. Therefore, for example, the head office and the Umeda branch of the XX bank, or the Umeda branch and the Osaka station branch of the XX bank have the same management organization, and thus correspond to the “same financial institution”. On the other hand, XX Bank and △△△ Bank are not the same financial institution because their management organizations are not the same.

  Further, in the account information database 11a, for each account, a target balance, a target MIN balance, and a target MAX balance are recorded in association with the bank code and the account code.

  The target balance is a target balance and is set in advance by the user. The target MIN balance and the target MAX balance are the allowable balance ranges, and are set in advance by the user. For example, as shown in FIG. 12, when the target balance is set to 50,000 yen, the target MIN balance is 20,000 yen, and the target MAX balance is 80,000 yen, the balance is set to 20,000 yen by the account fund transfer instruction device 3. When it is determined whether the balance is within the allowable balance range of ~ 80,000 yen, and it is determined that the balance to be calculated is less than 20,000 yen or more than 80,000 yen and is not within the allowable balance range Compares the calculation target balance with the target balance of 50,000 yen to generate the transfer amount information. On the other hand, when it is determined that the balance to be calculated is within the allowable balance range of 20,000 yen to 80,000 yen, the account fund transfer instruction device 3 does not generate fund transfer information.

  The account information database 11a records a subscriber number as user identification information given to a user who has joined the system in order to use this system in association with the bank code and the account code.

  Further, the account information database 11a records a personal identification number as user authentication information in association with the bank code and the account code. As shown in FIG. 13, the personal identification number is composed of two types: a personal identification number 101 for inquiry and a personal identification number 102 for transferring funds.

  The inquiry PIN 101 is used when acquiring the balance information of each account or the deposit / withdrawal detailed information of each account from the financial server 2, and is used for the inquiry entered in the inquiry fixed part input field 101a. It consists of a PIN code 101. Even if the same account of the financial server 2 is accessed a plurality of times via the financial server response device 4 to obtain the above information, the inquiry personal identification fixed number 101 is input to the inquiry fixed part input field 101b. The recorded number is sent repeatedly without change.

  The money transfer PIN 102 is used when transferring funds between accounts, and the fund transfer PIN fixed number 103 input in the fund transfer fixed portion input field 103a and the variable portion input column 104a. It is composed of the inputted funds transfer password variable number 104. Even if the same account of the financial server 2 is accessed a plurality of times via the financial server response device 4 for transferring funds, the fixed number 103 for transferring funds is input and recorded in the fixed portion input field 103a for transferring funds. The number is sent repeatedly without change.

  On the other hand, when the same account of the financial server 2 is accessed a plurality of times via the financial server response device 4 for transferring funds, the variable number PIN 104 for money transfer is transmitted with a different number for each access. It has become so. Further, the money transfer password variable number 104 is changed based on a preset change condition.

  In this embodiment, the number of digits input to the variable digit number input field 105 provided below the variable part input field 104a is set to the variable number of digits. Further, an increment value input field 106 is provided below the variable digit number input field 105, and an increment value is input every time the same account of the financial server 2 is accessed via the financial server response device 4 for transferring funds. The increment value entered in the column 106, for example, “2” entered in the increment value entry column 106 as shown in FIG. 13 is automatically incremented, that is, only “2” is accessed each time the same account is accessed. It is set to increment.

  Note that when the cash transfer variable number 104 for funds transfer overflows, this account is set to return to “1”, but can be changed as appropriate, for example, for each bank. Note that the same setting is made in the financial server 2 when overflowing. Of course, it is necessary to make the personal identification number recorded in the account information database 11a and its changing condition the same as those previously reported to the bank by the user.

  Returning to FIG. 12, when transferring the funds of this account, the account information database 11a stores the destination account specifying information for specifying the destination account that becomes the account on the side of sending the funds of this account, the bank code and Recorded in association with the account code. The destination account specifying information includes information such as a payee number and a central account classification, a bank code (bank CD), an account code (account CD), an account name, etc. recorded in association with the payee number. .

  In this embodiment, in the case of a general account, a centralized account of the same bank as the bank in which the general account is opened is recorded in association with the general account as a destination account for the general account. Although not shown in the figure, in the case of a centralized account, the bank's general account is recorded as a destination account for the centralized account in association with the centralized account, and a pooling account is recorded as a destination account for the centralized account. Recorded in association with a centralized account. In the case of a pooling account, a centralized account is recorded as the pooling account and the destination account as the destination account for the pooling account.

  The balance information database 11b records account balance information (actual balance) acquired from the financial server 2 of each bank. In this embodiment, as shown in FIG. 14, the balance information for each account acquired from the financial server 2 of each bank is recorded in association with the bank code, the account code, etc. together with the acquired date and time. As shown in FIG. 15, the balance information database 11b records the balance information for each bank in association with the bank code and the number of accounts.

  As shown in FIG. 17, the fund transfer information database 11c records the fund transfer information generated by the later-described fund transfer information generating means 14.

  The deposit / withdrawal detail information database 11d records the deposit / withdrawal detail information of the account acquired from the financial server 2 of each bank. In this embodiment, as shown in FIG. 18, the number of deposit / withdrawal details for each account acquired from the financial server 2 of each bank is recorded in association with the bank code, the account code, etc. together with the acquired date and time. Yes. Further, as shown in FIG. 19, the deposit / withdrawal detail information database 11d has a handling date, a check classification, an amount of money when the deposit / withdrawal is made, for example, when the amount has been transferred, The name of the transfer person is recorded in association with the bank code, account code, branch code, and account number. When the portion displaying the number of deposit / withdrawal details in the account deposit / withdrawal item count list 117 shown in FIG. 18 is clicked, the account deposit / withdrawal detailed list 118 shown in FIG. 19 can be generated and displayed. ing.

  As shown in FIG. 20, the financial institution information database 11e records the name for collation for each financial institution ("collation bank" field) in association with the bank code. In addition, the account type name for verification, the account withdrawal limit frame, etc. are recorded in association with the bank code.

  Also, the financial institution information database 11e records the name of the branch for verification (“the branch name for verification (1)” and “the branch name for verification (2)”) in association with the bank code and the branch code. . In this way, by recording the collation name, collation branch name, etc. for the financial institution in the financial institution information database 11e, for example, when there are a plurality of financial institution names or for each bank, the account type Even when the names are different, accurate information can be exchanged with the financial server 2.

  The balance information acquisition means 12 is for acquiring the balance information of all accounts recorded in the account information database 11a. The balance information acquisition means 12 of this embodiment automatically accesses the financial server response device 4 at a preset time, generates balance acquisition instruction information for instructing acquisition of the balance, and transmits it to the financial server response device 4. . The balance acquisition instruction information includes account specifying information for specifying each account extracted from the account information database 11a, an inquiry PIN, and a subscriber number. The account identification information includes a bank code, a branch code, an account number, and an account type.

  The balance batch display means 13 generates a balance list for each account 110 as shown in FIG. 14 in which the balance for each account acquired by the balance information acquisition means 12 is listed. The information can be displayed collectively on a later-described CRT 52 (shown in FIG. 2) provided in the fund transfer support apparatus 3. Also, the balance batch display means 13 generates a balance list for each bank 111 as shown in FIG. 15 which lists the balance for each bank acquired by the balance information acquisition means 12, and for each bank that opened an account. The balance can be displayed collectively on the CRT 52.

  The fund transfer information generating unit 14 generates fund transfer information necessary for transferring funds between accounts. In this embodiment, a fund transfer simulation executing means 15, an intra-bank fund transfer information generating means 14a, and an inter-bank fund transfer information generating means 14b are provided. The intra-bank fund transfer information generated by the above and the inter-bank fund transfer information generated by the inter-bank fund transfer information generating means 14b.

  The fund transfer simulation execution means 15 performs a simulation when funds are appropriately transferred between accounts. The fund transfer simulation execution means 15 of this embodiment generates a simulation screen 120 as shown in FIG. 16 and displays it on the CRT 52 (shown in FIG. 2) of this account fund transfer support device 3.

  The simulation screen 120 includes transfer amount information display fields 121 and 121 in the bank corresponding to the general account, transfer amount information display fields 122 and 122 in the bank corresponding to the concentrated account, and a scheduled balance display field corresponding to the concentrated account. 123, 123, the inter-bank transfer amount information display fields 124, 124 corresponding to the concentrated account, the inter-bank transfer amount information display field 125 corresponding to the pooling account, and the final balance information display field 126 corresponding to the pooling account, respectively. Is provided. Then, the account fund transfer instruction device 3 displays the transfer amount information in the bank of the general account, the transfer amount information in the bank of the concentrated account, and the planned balance of the concentrated account to be displayed in these display fields 121. Information, transfer amount information between banks of the centralized account, transfer amount information between banks of the pooling account, and final balance information of the pooling account are generated and displayed in the display columns 121. Is generated.

  The bank transfer information generating means 14a generates bank transfer information for transferring funds in the bank between the general account and the bank that opens the general account and the bank's centralized account. The bank transfer information includes destination account identification information that identifies the destination account (transfer source account) that will be the account sending the funds, and target account (transfer destination account) that is the destination account that will receive the funds. The destination account specifying information, the transfer amount information, and each information of the cash transfer PIN 102 extracted from the account information database 11a and recorded in association with the bank code of the account to be the destination account are included. In this embodiment, in addition to the above information, the bank transfer information in the bank is associated with the bank code and account code of the account that is the subscriber number extracted from the account information database 11a of the account that is the destination account and is the destination account. And those recorded in the account information database 11a.

  The destination account specifying information includes a bank code, a branch code, and an account number extracted from the account information database 11a of the account that is the destination account. In this embodiment, the destination account specifying information includes information such as the type of account extracted from the account information database 11a in addition to the above information.

  The destination account specifying information includes a bank code, a branch code, and an account number of an account that is a destination account. This destination account specifying information is extracted from the information recorded as the destination account in the account information database 11a of the account to be the destination account in association with the account. In this embodiment, the destination account specifying information includes a recipient number corresponding to the destination account extracted from the account information database 11a in addition to the above information.

  The interbank fund transfer information generating unit 14b generates interbank fund transfer information for transferring funds between banks between the centralized account and the pooling account. The interbank fund transfer information is the destination account specifying information, the destination account specifying information, the transfer amount information, and the fund transfer secret code 102 extracted from the account information database 11a as in the bank transfer information. Each information of what is recorded in association with the bank code of the account to be the account is included, and the bank code of the account to be the destination account, which is the subscriber number extracted from the account information database 11a of the account to be the destination account, and Those recorded in the account information database 11a in association with the account code are included.

  The destination account specifying information and the destination account specifying information in the interbank fund transfer information are the same as those in the bank transfer information.

  The deposit / withdrawal detail information acquisition means 16 is for acquiring the deposit / withdrawal detail information of each account from the financial server 2. The deposit / withdrawal detail information acquisition means 16 of this embodiment generates deposit / withdrawal detail acquisition instruction information for instructing acquisition of deposit / withdrawal detail information according to the user's request, and the financial server 2 via the financial server response device 4. And the generated deposit / withdrawal statement acquisition instruction information is transmitted to the financial server 2 via the financial server response device 4. The deposit / withdrawal statement acquisition instruction information includes the account identification information of each account extracted from the account information database 11a, a reference password, and a subscriber number.

  The deposit / withdrawal statement collective display unit 17 generates a deposit / withdrawal item count list 117 for each account as shown in FIG. 18 which lists the number of deposits / withdrawals of each account acquired by the deposit / withdrawal information acquisition unit 16. The number of deposit / withdrawal details of all accounts held by the user can be collectively displayed on the CRT 52. Also, the deposit / withdrawal details collective display means 17 lists the detailed information of the deposit / withdrawal details for each account acquired by the deposit / withdrawal details information acquisition means 16 as shown in FIG. The detailed information of the deposit / withdrawal details for each account can be collectively displayed on the CRT 52.

  The server response device receiving means 18 receives balance information or deposit / withdrawal details information from the financial server response device 4, for example.

  The server response device transmission means 19 transmits, for example, account balance acquisition instruction information for instructing acquisition of account balance information to the financial server response device 4, or transmits funds between accounts to the financial server response device 4. Fund transfer instruction information for instructing transfer is transmitted. This fund transfer instruction information includes intra-bank fund transfer information or inter-bank fund transfer information. Furthermore, the server response device transmission means 19 transmits, for example, the deposit / withdrawal details acquisition instruction information for instructing the financial server response device 4 to acquire the deposit / withdrawal details information.

  Next, the financial server response device 4 will be described.

  The financial server response device 4 is communicably connected to the financial servers 2... 2 via a second communication network, for example, a dedicated line 10b. The financial server response device 4 of this embodiment includes an account fund transfer instruction device receiving unit 41, an account fund transfer instruction device transmitting unit 42, a financial server receiving unit 43, and a financial server transmitting unit 44. ing.

  The account fund transfer instruction device receiving means 41 receives, for example, account balance acquisition instruction information from the account fund transfer instruction device 3, or receives fund transfer instruction information from the account fund transfer instruction device 3. Furthermore, for example, the deposit / withdrawal statement acquisition instruction information is received from the financial server response device 4.

  The account fund transfer instruction device transmission means 42 transmits balance information or deposit / withdrawal details information acquired from the financial server 2 to the account fund transfer instruction device 3, for example.

  The financial server receiving means 43 receives, for example, account balance information or deposit / withdrawal detail information from the financial server 2.

  The transmission means for financial server 44 transmits, for example, the account balance acquisition instruction information received from the account fund transfer instruction apparatus 3 to the financial server 2 or transmits the fund transfer instruction information received from the account fund transfer instruction apparatus 3. . Further, for example, the deposit / withdrawal statement acquisition instruction information received from the account fund transfer instruction device 3 is transmitted to the financial server 2.

  Next, the financial servers 2 ... 2 will be described.

  In this embodiment, the financial servers 2... 2 are composed of a plurality of servers that are operated and managed for each bank by a bank as a financial institution. Each financial server 2 includes response device reception means 21 and response device transmission means 22.

  The response device receiving means 21 receives, for example, the account balance acquisition instruction information from the financial server response device 4 or receives the funds transfer instruction information. Furthermore, for example, the deposit / withdrawal statement acquisition instruction information is received from the financial server response device 4.

  The response device transmitting means 22 transmits account balance information or deposit / withdrawal detailed information to the financial server response device 4, for example.

  Each financial server 2 includes a financial server database (not shown) in which the balance information and deposit / withdrawal information of the user's account are recorded in association with the branch code, the account number, and the reference password. In addition, the financial server database records the inquiry password 101 as the user authentication information and the fund transfer password 102 in association with the account identification information including the bank branch code and the account number, respectively.

  In addition, when each financial server 2 receives the funds transfer instruction information from the financial server response device 4, the financial server 2 authenticates based on the fund transfer personal identification number included in the funds transfer instruction information, and then sends a destination based on the funds transfer information. Transfer funds from the account to the destination account. In addition, each financial server 2 can change the fund transfer password recorded in the financial server database in association with the account identification information based on the account identification information included in the fund transfer instruction information. Change and record again with the same change conditions.

  2 is a diagram showing an example of the hardware configuration of the account fund transfer instruction device 3, the financial server response device 4, and the financial servers 2... 2 used in the account fund transfer support system shown in FIG.

  The account fund transfer instruction device 3 is a recording device, a hard disk 50 that is a recording medium that records the program of this system, a CPU 51 that is a device that executes and controls the program recorded on the hard disk 50, a CRT 52 that is a display device, an input A keyboard 54 and a mouse 55, which are devices, and a response device communication interface 53 for communicating with the financial server response device 4 are provided.

  In addition to the above programs, the hard disk 50 of the account fund transfer instruction device 3 stores data constituting the databases 11a, 11b, 11c, 11d, and 11e. That is, the hard disk 50 corresponds to the account information database 11a, balance information database 11b, fund transfer information database 11c, deposit / withdrawal detail information database 11d, and financial institution information database 11e shown in FIG.

  Further, the CPU 51 of the account fund transfer instruction device 3 performs the balance information acquisition unit 12, the balance batch display unit 13, the fund transfer information generation unit 14, the deposit / withdrawal details information acquisition unit 16, the deposit / withdrawal details batch display unit 17 in FIG. This corresponds to the server response device reception means 18 and the server response device transmission means 19.

  The financial server response device 4 in FIG. 2 includes a hard disk 60, a CPU 61, a CRT 62 as a display device, a keyboard 64 and a mouse 65 as input devices, and an account fund transfer instruction device communication interface for communicating with the account fund transfer instruction device 3. 63, a financial server communication interface 66 for communicating with the financial servers 2.

  The CPU 61 of the financial server response apparatus 4 corresponds to the account fund transfer instruction device receiving means 41, the account fund transfer instruction device transmitting means 42, the financial server receiving means 43, and the financial server transmitting means 44 of FIG.

  The financial server 2 of FIG. 2 includes a hard disk 70, a CPU 71, a CRT 72 as a display device, a keyboard 74 and a mouse 75 as input devices, and a response device communication interface 73 for communicating with the financial server response device 4.

  The CPU 71 of the financial server 2 in FIG. 2 corresponds to the response device reception means 21 and the response device transmission means 22 in FIG.

  Next, the operation of this embodiment will be described. 3 to 5 are flowcharts showing the flow of processing for transferring funds.

  The account fund transfer instruction device 3 of the account fund transfer support device 1 automatically accesses the financial server response device 4 at a preset time, and from the account information database 11a, for example, the first recorded at the head thereof. The bank code, branch code, and account number account identification information, balance inquiry PIN, and subscriber number information corresponding to the second account are extracted, and the account balance acquisition instruction information including the extracted information is financed. It transmits to the server response device 4 (FIG. 3, step S1).

  The received financial server response device 4 performs authentication based on the subscriber number included in the account balance acquisition instruction information, and then, based on the bank code included in the account balance acquisition instruction information, The server 2 is accessed, and the account balance acquisition instruction information is transmitted to the financial server 2 (FIG. 3, step S2).

  The received financial server 2 performs authentication based on the balance reference personal identification number included in the account balance acquisition instruction information, and then stores the balance information of the corresponding account on the financial server database (not shown) based on the account specifying information. 3) and transmitted to the financial server response device 4 (FIG. 3, step S3).

  The financial server response device 4 receives the account balance information (corresponding to the actual balance), transmits it to the account fund transfer instruction device 3, and records it in the balance information database 11b (FIG. 3, step S4).

  The account fund transfer instruction device 3 receives account balance information from the financial server response device 4 (FIG. 3, step S5). Further, the account fund transfer instruction device 3 that has received this determines whether or not the above steps S1 to S5 have been performed for all the accounts recorded in the account information database 11a (FIG. 3, step S6). If not, the above steps S1 to S5 are repeated, and if so, the process proceeds to the next step S7. Steps S1 to S6 correspond to the balance information acquisition unit 12 in FIG.

  Then, the account fund transfer instruction device 3 that has received the balance information of the accounts sequentially from the financial server response device 4 generates a balance table 110 for each account as shown in FIG. 14 listing the balances for each account. 15 generates a balance list for each bank 111 shown in FIG. 15 in which the balance for each bank is listed, and displays the balance for each account on the CRT 52 of the account fund transfer instruction device 3 at the same time, and stores it in the account balance database 11b. Recording is performed (FIG. 4, step S7). This step S7 corresponds to the balance batch display means 13 of FIG. Note that step S7 can be skipped. In this case, step S7 can be appropriately executed.

  Thereafter, the account fund transfer instruction device 3 generates fund transfer information (FIG. 4, step S8). Hereinafter, the generation of the funds transfer information will be described in detail. 6 to 9 show operations in generating funds transfer information.

  First, for a general account, based on the calculation target balance and the target MIN balance and target MAX balance recorded in the account information database 11a, it is determined whether the calculation target balance of the general account is within the allowable balance range. (FIG. 6, step S81). The calculation target balance of the general account corresponds to the balance (actual balance) acquired from the financial server 2 as described above.

  For example, as shown in FIG. 16, for the account of the XX Bank Osaka Central Store, the acquired balance of 120,000 yen, the target MIN balance of 20,000 yen recorded in the account information database 11a, and the target MAX balance of 80, Compared to 000 yen (shown in FIG. 12), it is determined that the balance is not within the allowable balance range.

  Next, the account fund transfer instruction device 3 compares the acquired balance as the calculation target balance with the target balance recorded in the account information database 11a for the general account that is determined not to be within the allowable balance range. From the difference, it is generated as movement amount information in the bank (FIG. 6, step S82).

  For example, with regard to the account of the above-mentioned Bank of Osaka Central Store, compare the acquired balance of 120,000 yen with the target balance of 50,000 yen recorded in the account information database 11a, and accompany the difference of -70000 yen. Is generated as transfer amount information. Here, the transfer amount is negative. This means that the funds are transferred to another account (concentrated account) where the funds are concentrated, and the funds between the general account and the concentrated account are positive. It shows that it is concentration of. Although not shown in the figure, if the transfer amount is positive as opposed to the above, it indicates that the funds are deposited (received fund distribution) from another account where the funds are concentrated. Indicates a negative concentration of funds between the concentration account.

  On the other hand, no funds transfer information is generated for a general account for which it has been determined that the balance is within the allowable balance range (FIG. 6, step S82a). As in this embodiment, for the general account for which it is determined that the balance is within the allowable balance range, if the funds transfer information is not generated, the transfer amount information is not generated, or the acquired balance and The transfer amount information may be generated as “0” immediately without comparing with the target balance. Moreover, you may generate | occur | produce the fund transfer information to the effect of not performing a fund transfer about the general account which determined that the balance was in the allowable balance range.

  Then, for all the general accounts recorded in the account information database 11a, it is determined whether or not the above steps S81 and S82 have been performed (FIG. 6, step S83). The above steps S81, S82, and S82a are repeated, and if it is determined that there is nothing that has not passed, the process proceeds to the next step S84.

  Thereafter, a destination account, which is a concentrated account for a general account that is determined not to be within the allowable balance range, is extracted from the account information database 11a (FIG. 6, step S84). For example, XX Umeda, which is a centralized account recorded in association with the XX Osaka Central account, is extracted from the account information database 11a shown in FIG. .

  Then, transfer amount information in the bank of the extracted concentrated account is generated (FIG. 6, step S85). The movement amount information in the bank of the concentrated account is generated by summing the movement amounts corresponding to the movement amount information in the bank of the general account. For example, in the example of XX Bank above, the general account is only for the Osaka Chuo store, so the bank's central account, the XX Bank Umeda store account, is 70,000 yen from the Osaka Chuo store account. Therefore, the amount of 70,000 yen is generated as the transfer amount information in the bank of the centralized account. Here, the transfer amount within the bank of the centralized account is positive, but this means that it is deposited from the general account, and it is a positive concentration of funds between the general account and the centralized account Indicates. Although not shown in the figure, if the transfer amount in the bank of the central account is negative as opposed to the above, it means that funds are distributed to the general account, and between the general account and the central account Indicates a negative concentration of funds.

  Further, for each centralized account, based on the balance (actual balance) of the centralized account acquired by the balance information acquisition unit 12 and the transfer amount information in the bank of the generated centralized account, Scheduled balance information after the funds transfer is generated (FIG. 7, step S86). For example, as shown in FIG. 16, for the bank account of XX Bank, the generated transfer amount information 70,000 yen and the acquired balance (actual balance) 100,000 yen are totaled to 170,000 yen. Is generated as scheduled balance information. The planned balance corresponding to the planned balance information of the concentrated account is obtained as the sum of the transfer amount of the general account and the actual balance as described above, and the funds are transferred between the pooling account described below. This is the balance to be calculated for the centralized account when the simulation is performed.

  Next, for each concentrated account, based on the scheduled balance as the calculation target balance and the target MIN balance and target MAX balance recorded in the account information database 11a, the schedule of the concentrated account is the same as in the case of the general account described above. It is determined whether or not the balance is within the allowable balance range (FIG. 7, step S87).

  Then, with respect to the concentrated account for which it has been determined that the funds will be transferred, the planned balance is compared with the target balance recorded in the account information database 11a to generate transfer amount information between banks (FIG. 7, step S88). ). For example, for the above bank account of XX Bank, the planned balance of 170,000 yen is compared with the target balance of 70,000 yen recorded in the account information database 11a, and the difference of -100,000 yen is banked. Generated as information on the amount of movement between

  On the other hand, no funds transfer information is generated for the concentrated account for which it is determined that the planned balance is within the allowable balance range (FIG. 6, step S88a). In this case, as in the case of the general account, the transfer amount information is not generated when the funds transfer information is not generated for the concentrated account for which it is determined that the planned balance is within the allowable balance range. Alternatively, the transfer amount information may be generated as “0” immediately without comparing the acquired balance with the target balance. Moreover, you may generate | occur | produce the fund transfer information that a fund transfer is not performed about the concentration account which determined with a plan balance being in the allowable balance range.

  Then, for all the concentrated accounts extracted, it is determined whether or not the steps S85 to S88 have been performed (FIG. 7, step S89), and if it is determined that there is a concentrated account that has not passed the steps S85 to S88, the concentration is performed. The steps S85 to S88 are repeated for the account, and if it is determined that there is no centralized account that has not passed the steps S85 to S88, the process proceeds to the next step S90.

  Thereafter, a pooling account to be a destination account for each concentrated account for which transfer amount information has been generated is extracted from an account information database 11a (not shown) (FIG. 7, step S90). Then, transfer amount information between banks of the pooling account is generated for the extracted pooling account (step S91 in FIG. 8). This inter-bank transfer amount information of the pooling account is generated by summing the transfer amounts corresponding to the inter-bank transfer amount information of the concentrated account.

  For example, as shown in FIG. 16, the transfer amount between Umeda store accounts, which is a central bank account of XX bank, is -100,000 yen, and the central bank account of the bank is the central bank account. The transfer amount information between the banks of the pooling account is generated as the transfer amount information between the banks of the pooling account. Here, the transfer amount between banks of the centralized account is negative, which means that funds are transferred to the pooling account where the funds are concentrated. Indicates that there is a positive concentration of funds between. Although not shown in the figure, if the transfer amount between banks of the centralized account is positive in the opposite direction, the deposit is made from the pulling account where the funds are concentrated (received fund distribution). ) To indicate a negative concentration of funds between the centralized account and the pulling account.

  Further, based on the generated transfer amount information of the pooling account between banks and the balance of the pooling account acquired by the balance information acquisition means 12, final balance information after the transfer of funds to the concentrated account of the pooling account is generated ( FIG. 8, step S92). For example, as shown in FIG. 16, for the account of the Umeda store of □□□ bank, the generated transfer amount information between banks of 420,000 yen and the acquired actual balance of −48,000 yen are summed up to 372,000. Yen is generated as final balance information.

  Next, the account fund transfer instructing device 3 moves the general account transfer amount information generated in this way, the transfer amount information within the bank of the concentrated account, the scheduled balance information and the transfer amount information between banks, the pooling account The transfer amount information and final balance information between banks of the general account, the transfer amount information display fields 121 and 121 for the general account provided on the simulation screen 120 as shown in FIG. 122, 122, scheduled balance display fields 123, 123, interbank transfer amount information display columns 124, 124, pooling account interbank transfer amount information display column 125, and final balance information display column 126. A screen 120 is generated and displayed on the CRT 52 of the account fund transfer instruction device 3 (FIG. 8, step S93).

  The content displayed on the simulation screen 120 can be corrected when the user wants to correct it. For example, correct the numerical values displayed in the intra-bank transfer amount information display fields 121 and 121 of the general account, the inter-bank transfer amount information display fields 124 and 124 of the concentrated account, and the inter-bank transfer amount information display column 125 of the pooling account. Can do. Then, for example, when the user corrects the value in the transfer amount information display fields 121 and 121 in the accompanying account of the general account, a “change” button (not shown) provided on the simulation screen 12 is clicked. Thereby, the account fund transfer instruction device 3 corrects the numerical values in the interbank transfer amount information display fields 124 and 124 of the concentrated account and the interbank transfer amount information display field 125 of the pooling account based on the corrected numerical values. Is displayed. This correction can be repeated any number of times.

  When the user determines that the original content displayed on the simulation screen 120 or the corrected content is acceptable, an “approval” button (not shown) provided on the simulation screen 120 is displayed by the user. It will be clicked.

  The account fund transfer instruction apparatus 3 determines whether or not the “approval” button (not shown) is clicked by the user (FIG. 9, step S94). Steps S81 to S94 correspond to the fund transfer simulation execution means 15 in FIG.

  When it is determined that the “approval” button has been clicked by the user, based on the content displayed on the simulation screen 120, the funds transfer information including the bank fund transfer information and the inter-bank fund transfer information is generated and generated. The bank transfer information and interbank transfer information are recorded in the transfer information database 11c (FIG. 9, step S95).

  More specifically, the transfer amount corresponding to the transfer amount information in the bank of the general account generated and displayed on the simulation screen 120 is within the bank for performing the transfer amount between the general account and the central account of the bank with the general account. Generate funds transfer information. Further, interbank fund transfer information is generated between the concentrated account and the pooling account for the transfer amount corresponding to the transfer amount information between banks of the concentrated account displayed on the simulation screen 120. Further, the generated intra-bank fund transfer information and inter-bank fund transfer information are recorded in the fund transfer information database 11c (FIG. 9, step S95).

  The generation of the bank transfer information in step S95 corresponds to the bank transfer information generation unit 14a in FIG. Further, the generation of interbank fund transfer information in step S95 corresponds to the interbank fund transfer information generation means 14b of FIG.

  Returning to FIG. 4, the account fund transfer instruction device 3 determines whether or not the fund transfer information has been generated (FIG. 4, step S8a). If it is determined that the funds transfer information has not been generated, the process ends.

  On the other hand, if it is determined that the fund transfer information has been generated, the account fund transfer instruction device 3 financially transmits one of the generated fund transfer information, for example, the fund transfer instruction information including the No. 1 fund transfer information shown in FIG. It transmits to the server response device 4 (FIG. 4, step S9). When transmitting the fund transfer instruction information, the account fund transfer instruction device 3 extracts the fund transfer password corresponding to the destination account from the account information database, and uses the extracted funds transfer password for the funds transfer instruction. When it is included in the information and transmitted to the financial server responding device 4 and the password for transferring funds is extracted and transmitted, the funds transfer password variable number 104 in the funds transfer password is incremented by "2" to the account information database. (Step S9 in FIG. 4).

  The received financial server response device 4 accesses the corresponding financial server 2 based on the destination account specifying information included in the funds transfer instruction information, and transmits the funds transfer instruction information (FIG. 4, step S10).

  The received financial server 2 authenticates based on the personal identification number for funds transfer included in the funds transfer instruction information, and then executes the funds transfer from the corresponding destination account to the destination account and completes the transfer of funds. Is sent to the financial server response device 4, and the funds transfer password variable number in the funds transfer password recorded in the financial server database is incremented by "2" and recorded again in the financial server database ( FIG. 4, step S11).

  Further, the financial server response device 4 that has received the execution end information transmits a message to that effect to the account fund transfer instruction device 3 (step S12 in FIG. 5).

  The account fund transfer instruction device 3 that has received the execution end information receives the execution end information from the financial server response device 4 (FIG. 5, step S13). Further, the account fund transfer instruction device 3 determines whether or not all of the generated funds transfer information has undergone the above steps S9 to S13 (FIG. 5, step S14). When it is determined that all of the funds transfer information has undergone the above steps S9 to S13, the process ends. On the other hand, when it is determined that all of the money transfer information has not undergone the steps S9 to S13, the process returns to step S9, and the steps S9 to S13 are repeated for those that have not.

  Next, the case where the user acquires deposit / withdrawal detail information of each account recorded in the account information database and generates a deposit / withdrawal detail list will be described. FIG. 10 to FIG. 12 are flowcharts showing a processing flow in the case where the deposit / withdrawal detail information of each account is acquired and the deposit / withdrawal list is generated.

  In response to the user's request, for example, the account fund transfer instructing device 3 may display an account information database when the user clicks on a “deposit / withdrawal details reference” button (not shown) displayed on the CRT of the account fund transfer instructing device 3. From 11a, the bank identification code of the account recorded at the head, the branch code, and account identification information of the account number, balance inquiry PIN 101, and subscriber number information are extracted and entry / exit including these extracted information The gold statement acquisition instruction information is transmitted to the financial server response device 4 (FIG. 10, step S31).

  The received financial server response device 4 performs authentication based on the subscriber number, and then accesses the corresponding financial server based on the bank code included in the deposit / withdrawal statement acquisition instruction information, and receives the deposit / withdrawal statement acquisition instruction. Information is transmitted to the financial server 2 (FIG. 10, step S32).

  The received financial server 2 performs authentication based on the balance reference personal identification number 101, and then, based on the branch code and account number included in the deposit / withdrawal details acquisition instruction information, provides the deposit / withdrawal details information of the corresponding account. Extracted from the financial server database (not shown) and transmitted to the financial server response device 4 (FIG. 10, step S33).

  The financial server response device 4 receives the account deposit / withdrawal detail information and transmits it to the account fund transfer instruction device 3 (FIG. 10, step S34).

  The account fund transfer instruction device 3 receives account deposit / withdrawal details information from the financial server response device 4 (FIG. 10, step S35). In addition, the account fund transfer instruction device 3 that has received this determines whether or not all the accounts recorded in the account information database 11a have undergone the above steps S31 to S35 (FIG. 10, step S36). If it is determined that there is not, the process returns to step S31, and steps S31 to S35 are repeated for those that have not passed. On the other hand, if it is determined that there is nothing that has not passed, the process proceeds to the next step S37.

  Then, the account fund transfer instruction device 3 that has received the deposit / withdrawal details information of the accounts sequentially from the financial server response device 4 shows the deposit / withdrawal details for each account as shown in FIG. The number-of-cases list 117 is generated, and the deposit / withdrawal details of all the accounts are collectively displayed on the CRT 52 of the account fund transfer instruction device 3 (FIG. 11, step S37). In addition, when the user clicks on the number entry field 117a... 117a provided in the deposit / withdrawal account count list 117 for each account, the deposit / withdrawal detailed list 118 for each account is generated and the deposit / withdrawal for each account is performed. Detailed information of the gold details is displayed in a lump (FIG. 11, step S37).

  The account fund transfer instruction device 3 records the account deposit / withdrawal item count list 117 and the account deposit / withdrawal detailed list 118 in the deposit / withdrawal item information database 11d.

  The above is the description of the embodiment, and the invention of this embodiment can be grasped as follows.

  That is, the account information database of the account fund transfer support apparatus records the financial server identification information for identifying the financial server computer in association with the account identification information for identifying the financial server computer for managing the account, and authenticates the user. The user transfer information is recorded in association with the account identification information, and the fund transfer information includes destination account specifying information for specifying a destination account to be a fund sending account, and an account for receiving funds from the destination account. The destination account specifying information for specifying the destination account and the transfer amount information, and the destination account specifying information includes user authentication information and financial server identification information of the account. Based on the financial server identification information included in the destination account identification information received from the movement instruction device, the financial server that manages the destination account. Each time the fund transfer instruction device transmits the fund transfer instruction information to the financial server computer that manages the destination account via the financial server response device, based on a predetermined change condition. The financial server computer is provided with a financial server database in which user authentication information and account identification information are recorded in association with each other, and the transfer of funds from the financial server responding device is performed. When the instruction information is received, it is determined whether or not it matches the user authentication information recorded in the financial server database, based on the account identification information and the user authentication information included in the fund transfer instruction information. In the case, the transfer of funds of the corresponding account is executed based on the funds transfer instruction information, and the financial server database The recorded user authentication information, but re-recorded by changing based on the same conditions as the change condition of the account funds transfer instruction device.

  For example, when transferring funds between accounts in a bank, the bank's financial server is used so that it cannot be executed unless a different PIN is used as user authentication information in order to increase security. Is often set. Therefore, as described above, whenever the money transfer instruction information including the generated money transfer information is transmitted to the financial server computer via the financial server response device, the user authentication information recorded in the account information database is changed and recorded. In this case, different user authentication information can be used every time the money transfer information is transmitted to the financial server computer. Therefore, each time funds are transferred between accounts, a plurality of funds transfer instruction information can be changed to different user authentication information by the account fund transfer instruction device even for a bank financial server that cannot be executed without using a different personal identification number. Can be sent automatically and continuously.

  The account information database records the financial server identification information for identifying the financial server computer that manages each account in association with the account identification information for the account that is identified by the financial server computer that manages the account. The computer includes a financial server database in which account balance information is recorded in association with account identification information of each account, and the account fund transfer instruction device stores the financial server identification information and account identification information of each account from the account information database. The balance acquisition instruction information including the extracted financial server identification information is transmitted to the financial server response device, and the financial server response device is applicable based on the financial server identification information included in the received balance acquisition instruction information. The balance acquisition instruction information is transmitted to the financial server computer, and the financial server computer Based on the account identification information included in the received balance acquisition instruction information, the balance information of the corresponding account is extracted from the financial server database and transmitted to the financial server response device. The financial server response device receives the balance of the received account. The information is transmitted to the account fund transfer instruction device, and the account fund transfer instruction device generates transfer amount information of each account based on the received balance information of the account.

  By doing so, the account fund transfer instruction device automatically acquires the balance information of each account from the financial server via the financial server response device, and uses the acquired balance information to obtain the funds transfer information of each account. Can be generated. As a result, the generation of funds transfer information can be performed in a short time, and a large amount of funds can be transferred. Accordingly, for example, the balance information of each account can be acquired every day at the end of the bank transaction, and the funds transfer processing of each account can be performed using the acquired balance information.

  Further, the account fund transfer instruction device generates a balance list that lists the received account balance information. By doing so, the balance of the account can be immediately viewed at once.

  Further, the account information database records the financial server identification information for identifying the financial server computer that manages each account in association with the account identification information for identifying the account managed by each financial server computer to each financial server computer. The financial server computer includes a financial server database that records the account deposit / withdrawal details information in association with the account identification information of each account, and the account fund transfer instruction device stores the financial server identification information and account identification information of each account. Extracted from the account information database, and sends the deposit / withdrawal statement acquisition instruction information including the extracted financial server identification information and account identification information to the financial server response device, and the financial server response device receives the received deposit / withdrawal statement acquisition instruction information. Deposit / withdrawal details to the corresponding financial server computer based on the included financial server identification information The financial server computer extracts the deposit / withdrawal detail information of the corresponding account from the financial server database based on the account identification information included in the received deposit / withdrawal detail acquisition instruction information, and transmits a financial server response. The financial server response device transmits the received deposit / withdrawal details information of the account to the account fund transfer instruction device. By doing so, it is possible to acquire the deposit / withdrawal details information of all accounts owned by the user.

  Also, the account fund transfer instruction device generates a deposit / withdrawal detail list that lists the received account deposit / withdrawal detail information. By doing so, it is possible to immediately view the deposit / withdrawal details of the account at once.

  In the above embodiment, the account is opened in a bank, but is not limited to a bank. For example, it is opened in a financial institution such as a post office, an agricultural cooperative, a fishery cooperative, an insurance company, a securities company, or a non-bank. Can be carried out on the account. Banks naturally include credit unions and credit unions.

  Moreover, in the said embodiment, although the concentration account relevant to a general account is comprised from one, it should just be a number smaller than a general account. Further, the pooling account related to the centralized account is not limited to one composed of one, but may be a number smaller than that of the centralized account and can be changed as appropriate.

  In the above embodiment, the allowable range is set by making the target MIN balance and the target MAX balance different. For example, the allowable balance range is set so that the target MIN balance and the target MAX balance are the same. The allowable balance range may be substantially not provided.

  In the above embodiment, the target balance is set to the median value of the target MIN balance and the target MAX balance. For example, the target balance may be set near the target MIN balance value or near the target MAX balance value. It can be changed as appropriate. The target balance is not limited to one, but is composed of, for example, the vicinity of the target MIN balance value and the vicinity of the target MAX balance value, and the calculation target balance of the account is smaller than the target MIN balance. In this case, a target balance near the target MIN balance value may be used, and if the calculation target balance is larger than the target MAX balance, a target balance near the target MAX balance value may be used.

  Further, in the above embodiment, the fund transfer information is generated using the balance information of the account acquired by the balance information acquisition means 12 of the account fund transfer instruction device. The balance information of the account may be acquired by a separate method, the acquired balance information of the account may be input to the account fund transfer instruction device, and the transfer information may be generated using the input balance information.

  In the above embodiment, the first account to the third account (n = 3) of the general account as the third account, the centralized account as the second account, and the pooling account as the first account. ), But can be changed as appropriate. For example, one of all accounts recorded by the user recorded in the account information database 11a is set as a pooling account as a primary account, and the same bank code recorded in the seat information database 11a is used. One of the accounts that is selected, that is, one of the accounts in the bank as the same financial institution is set as the central account as the second account. In addition, one of the accounts opened in the same store (head office or branch) in the same bank is a general account as the third account, and all or a part of other accounts other than the general account of the same store is the first It is assumed that it is a sub general account as 3 accounts. Then, the funds are transferred between the general account and the sub general account, whereby the funds of a plurality of accounts opened in the same store in the same financial institution can be once concentrated in the general account. Then, the funds are transferred between the concentrated general account and the concentrated account, and then the funds are transferred between the concentrated account and the pooling account as described above. In this way, there is normally no fee for transferring (transfer) funds between accounts opened in the same store, so if there are many accounts in the same store in the same financial institution, the funds of the account are cheaper This is more preferable.

  In the above embodiment, the fee required for transferring funds between accounts is the lowest when it is performed between accounts of the same store, and when it is performed between accounts of the same financial institution than when it is performed between accounts of different financial institutions. For example, the account group opened in the same store as described above is classified as a fourth account, and the account group opened in the same financial institution is classified as a third account. It can classify | categorize by an appropriate method and can change suitably.

  Moreover, the account used by this invention is not specifically limited, For example, a general account, a normal account, a current account, and other various accounts can be applied.

  In this embodiment, the system program installed in the hard disk is executed. However, the program holding form is not limited to this. For example, the system program may be recorded on a CD-ROM, flexible disk, magnetic tape, or the like.

  Furthermore, the system program may be distributed via a wired or wireless communication line. Alternatively, the system program may be installed in the main server computer, and the local server computer may execute the system program via a communication line such as the Internet.

  Further, the recording mode of the program and data is not particularly limited. Besides being recorded on the recording medium in a form that can be directly executed, it may be recorded on the recording medium in a compressed form so as to be decompressed and used.

  In the above-described embodiment, the case where each function of FIG. 1 is realized using a computer has been described as an example. However, part of the function of FIG. 1 may be configured using hardware logic. .

It is a block diagram for demonstrating the structure of the account fund transfer assistance system which has the account fund transfer assistance apparatus of one embodiment of this invention. It is a block diagram which shows an example of the hardware constitutions of the account fund transfer instruction | indication apparatus used for the account fund transfer support system of one Embodiment shown in FIG. 1, a financial server response apparatus, and a financial server computer. It is a part of flowchart which shows the flow of the process which performs the fund transfer of an account. It is another part of the flowchart which shows the flow of the process which performs the fund transfer of an account. It is another part of the flowchart which shows the flow of the process which performs the fund transfer of an account. It is a part of flowchart which shows the flow of a process in the case of producing | generating fund transfer information. It is another one part of the flowchart which shows the flow of a process in the case of producing | generating fund transfer information. It is another part of the flowchart which shows the flow of a process in the case of producing | generating fund transfer information. It is another part of the flowchart which shows the flow of a process in the case of producing | generating fund transfer information. It is a part of flowchart which shows the flow of a process in the case of acquiring deposit / withdrawal statement information and producing | generating a deposit / withdrawal statement list. It is another one part of the flowchart which shows the flow of a process in the case of acquiring deposit / withdrawal details information and producing | generating a deposit / withdrawal statement list. It is a part of drawing which represented the data structure of the account information database typically. It is another part of drawing which represented the data structure of the account information database typically. It is a part of drawing which represented the data structure of the balance information database typically. It is another one part figure which represented the data structure of the balance information database typically. Part of the simulation screen. 2 is a part of a drawing schematically showing a data structure of a fund transfer information database. It is a part of drawing which represented the data structure of the deposit / withdrawal description information database typically. It is another part of drawing which represented the data structure of the deposit / withdrawal description information database typically. It is a part of drawing which represented the data structure of the bank information database typically.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Account fund transfer support apparatus 2 Financial server computer 3 Account fund transfer instruction apparatus 4 Financial server response apparatus 12 Balance information acquisition means 13 Balance batch display means 14 Fund transfer information generation means 16 Deposit / withdrawal details information acquisition means 17 Deposit / withdrawal details batch display Means Patent Applicant Addone Co., Ltd. Applicant Agent Patent Attorney Koichi Tagawa

Claims (4)

An account fund transfer support device that supports the transfer of funds between accounts opened in financial institutions;
A financial server computer for managing accounts;
In the account fund transfer support system with
The above account fund transfer support device
I-th account (2 ≦ i ≦ n) in the first to n-th accounts (3 ≦ n) and the i-th account in which a plurality of accounts of users are classified so as to correspond to the concentration level of funds The (i-1) -th account to which the funds are concentrated and the number of (i-1) -th accounts with a smaller number of accounts than the i-th account are recorded in association with each other, and a preset target for each account An account fund transfer instruction device comprising an account information database in which a balance and an allowable balance range are recorded in association with each account;
A financial server response device communicably connected to the account fund transfer instruction device and the financial server computer via a communication network;
With
The account fund transfer instruction device
Comparing the calculation target balance of the i-th account with the allowable balance range of the i-th account, and determining whether the calculation target balance of the i-th account is within the allowable balance range of the i-th account; If it is determined that the balance is not within the allowable balance range, the calculation target balance of the i-th account between the i-th account and the (i-1) -th account where the funds of the i-th account are concentrated And a transfer of funds corresponding to the transfer amount of the i-th account, which is the difference between the target balance of the i-th account and the i-th account, and the (i) based on the generated funds transfer information. -1) Fund transfer information generating means for generating a calculation target balance for the next account and repeating a series of operations in this order from i = n to i = 2;
Transmitting means for transmitting the funds transfer instruction information including the generated money transfer information to the financial server response device;
With
The financial server response device
A transmission means for transmitting the received funds transfer instruction information to the financial server computer;
An account fund transfer support system. An account fund transfer instruction device for instructing transfer of funds between accounts opened in a financial institution,
I-th account (2 ≦ i ≦ n) in the first to n-th accounts (3 ≦ n) and the i-th account in which a plurality of accounts of users are classified so as to correspond to the concentration level of funds The (i-1) -th account to which the funds are concentrated and the (i-1) -th account with a smaller number of accounts than the i-th account are recorded in association with each other, and a preset target for each account An account information database that records the balance and allowable balance range in association with each account;
Comparing the calculation target balance of the i-th account with the allowable balance range of the i-th account, and determining whether the calculation target balance of the i-th account is within the allowable balance range of the i-th account; If it is determined that the balance is not within the allowable balance range, the calculation target balance of the i-th account between the i-th account and the (i-1) -th account where the funds of the i-th account are concentrated And the transfer amount of funds corresponding to the transfer amount of the i-th account, which is the difference between the target balance of the i-th account and the i-th account, and the (i) based on the generated transfer information. -1) Fund transfer information generating means for generating a calculation target balance for the next account and repeating a series of operations in this order from i = n to i = 2;
With
An account fund transfer instruction device. I-th account (2 ≦ i ≦ n) in the first to n-th accounts (3 ≦ n) and the i-th account in which a plurality of accounts of users are classified so as to correspond to the concentration level of funds The (i-1) -th account to which the funds are concentrated and the (i-1) -th account with a smaller number of accounts than the i-th account are recorded in association with each other, and a preset target for each account A program that causes a computer having an account information database that records a balance and an allowable balance range in association with each account to function as an account fund transfer instruction device that instructs funds transfer between accounts opened in a financial institution,
On the computer,
Comparing the calculation target balance of the i-th account with the allowable balance range of the i-th account, and determining whether the calculation target balance of the i-th account is within the allowable balance range of the i-th account; If it is determined that the balance is not within the allowable balance range, the calculation target balance of the i-th account between the i-th account and the (i-1) -th account where the funds of the i-th account are concentrated And the transfer amount of funds corresponding to the transfer amount of the i-th account, which is the difference between the target balance of the i-th account and the i-th account, and the (i) based on the generated transfer information. -1) Generate a calculation target balance of the next account, and repeat a series of operations in this order from i = n to i = 2.
A program characterized by that. An account fund transfer instruction method for instructing funds transfer between accounts opened in a financial institution using a computer,
I-th account (2 ≦ i ≦ n) in the first to n-th accounts (3 ≦ n) and the i-th account in which a plurality of accounts of users are classified so as to correspond to the concentration level of funds The (i-1) -th account to which the funds are concentrated and the (i-1) -th account with a smaller number of accounts than the i-th account are recorded in association with each other, and a preset target for each account Prepare a computer with an account information database that records the balance and allowable balance range associated with each account,
On the computer,
Comparing the calculation target balance of the i-th account with the allowable balance range of the i-th account, and determining whether the calculation target balance of the i-th account is within the allowable balance range of the i-th account; If it is determined that the balance is not within the allowable balance range, the calculation target balance of the i-th account between the i-th account and the (i-1) -th account where the funds of the i-th account are concentrated And the transfer amount of funds corresponding to the transfer amount of the i-th account, which is the difference between the target balance of the i-th account and the i-th account, and the (i) based on the generated transfer information. -1) Generate a calculation target balance of the next account, and repeat a series of operations in this order from i = n to i = 2.
An account fund transfer instruction method.

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