JP2006343903A - System and method for controlling dynamic transfer between multiple accounts - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a system for calculating, in burden sharing for one demand for payment in account transfer by a plurality of accounts, an appropriate expense allotted amount between the plurality of accounts, and collectively transferring the expense to the demander in the final step. <P>SOLUTION: Based on information of various databases 107-111 connected to a determination means 101, accounts which share the expense and a calculation method of the allotted amount are selected, the allotted amount is calculated by this calculation means, and the transfer is collectively executed from a demanding destination account, whereby the burden sharing by a plurality of accounts can be performed. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to an account transfer of a financial institution, one account (hereinafter referred to as a payment account) that actually pays / withdraws for a request and a plurality of accounts (hereinafter referred to as a burden) The present invention relates to automatic transfer and automatic deficiency mutual compensation, and automatic repayment thereof.

  An automatic transfer service for a bank or a credit bank or a postal savings account is a settlement service based on a one-to-one account transaction performed between one account withdrawn and one account withdrawn. Therefore, the account that pays for billing is usually only one account determined at the time of the automatic transfer service contract.

  However, in view of actual transactions, a person who pays a fee (hereinafter referred to as a payer) may be different from a person who actually pays a fee (hereinafter referred to as a payer). For example, in the case where there are multiple income earners in the family, they share the living expenses, and the householder's account is used as a living expenses management account, the payer who actually pays the fee Is the head of the household, but the bearer who is actually paying is the whole family who is paying for living.

  The problem when payers and payers of such costs are different is that the payer must pay the payer a share of the costs assigned to each person, and The payer must collect the share of the cost as many as the number of the bearers, which is very troublesome.

  From the above, it is considered that there is a need to reduce the labor of paying the share money from the bearer to the payer by automatic transfer. However, in order to realize this, different from automatic transfer transactions between one-to-one accounts, appropriate control and management in automatic transfers between a plurality of accounts is required. In relation to this, the following technologies currently exist for controlling and managing a plurality of accounts.

In Japanese Patent Laid-Open No. 2003-288492, a technique is described in which the fund status of a plurality of accounts can be easily managed by managing the fund status of the virtual account by collecting the fund status of the plurality of accounts using a virtual account. There is. As a result, it becomes possible to prevent the management of each account from being lost by holding a plurality of accounts.

  However, this known example is a means for comprehensively grasping and managing a plurality of accounts owned by one customer, and is not a technique for a plurality of accounts held by a plurality of customers. Further, this known technique does not control automatic transfer of a plurality of accounts.

Japanese Patent Laid-Open No. 2003-281458 has a technique for managing a plurality of accounts existing in a plurality of banks owned by one customer in an integrated manner. As a result, it is possible to integrate a plurality of accounts in a time series and display them to the customer, or to eliminate a withdrawal mistake at the time of withdrawal by changing the account transfer destination when the balance is insufficient.

  However, in this known technique, it is necessary to have a plurality of accounts held by one customer as a premise, and it is not intended for integrated management of a plurality of accounts by a plurality of customers. Nor is it a technique of sharing payments among multiple accounts. Furthermore, with regard to the processing in the case of shortage of balance, this known technology only changes the payment account to another account when the payment account falls short of balance, but this technology automatically compensates for any withdrawals. Has been implemented, and lending relationships cannot be ascertained.

  As described above, in the conventional technology related to expense sharing by multiple accounts of multiple burdenees, there is no method for appropriately controlling and managing multiple accounts, appropriately sharing the billing amount among multiple accounts, and accurately transferring money. It has not been realized that the burden of the burdener has to pay the payer.

  The present invention is for solving the above-mentioned problem, and there is only one account that pays expenses, whereas there are multiple accounts that substantially bear the expenses, and appropriate control of accounts and transfer transactions. -It aims at providing the control system and its method which implement | achieve management.

  In order to achieve the above-mentioned object, the present invention provides a bill for payment of utility charges, telephone charges, taxes, insurance premiums, school fees, credits, membership fees, etc. from a financial institution or a postal savings account for each combination of payment account and billing source. A means for identifying the burden account determined in advance by the user, a means for identifying the burden sharing method determined in advance by the user for each billing source, and a burden for each burden account based on the burden sharing method. A means for calculating the amount, a means for checking the balance against the burden amount of each burden account, a means for deducting the burden amount in each burden account, and a billing source collectively to the billing source through the payment account Lending from the borrower who borrowed the supplementary loan amount, the means to automatically calculate the amount to pay for and store the shortage from another burden account automatically for the burden account that has fallen short of the balance Repay automatically to the customer Characterized in that it comprises means for calculating the amount, and means for repayment to account lent from borrowed calculated payments account, the.

  According to the present invention, it becomes possible to automatically share a bill for one payment account by a plurality of burden accounts, and the burden of payment to the payer of the bearer and the risk of receivables to the payer (the payment account is insufficient in balance) The situation in which payment is not possible is reduced.

  Embodiments of the present invention will be described below.

  The best embodiment of the present invention will be described with reference to the drawings. FIG. 1 is a block diagram showing the best embodiment of the dynamic transfer control system between multiple accounts according to the present invention. This embodiment is applied to a bank.

First, the drawings will be described in order from FIG.
101 in FIG. 1 is a determination unit for realizing this method, and includes an arithmetic device 102 and a storage device 103. Data is read from each database into the storage device 103 as necessary, and software for processing the data is held in the storage device 103, and data processing and condition judgment are performed by the arithmetic device 102 according to appropriate software. When executed, the data in the storage device 103 is updated, and the updated data is also stored in each database. The mainframe, the server, etc. have a processing mechanism corresponding to the determination means.

  Reference numeral 104 denotes an input device such as a keyboard or a mouse, 105 denotes an output device such as a monitor or printer, and 106 denotes a communication device with an intranet, the Internet, or the like, and realizes cooperation with other systems via the network. Note that data input / output to / from the determination unit 101 may be performed using the communication device 106 as well as the input device 104 and the output device 105.

Reference numerals 107 to 111 denote various databases, which will be described later, are connected to the determination unit 101 described above, and exchange data with the storage device 103.
Reference numeral 107 denotes a transaction database that manages transaction data necessary for automatic withdrawal, such as billing source, payment account number, payer name, withdrawal date, and billing amount, for each payment account. 2 is implemented.

  108, for an automatic transfer service using a multi-account dynamic transfer control system, based on a contract between a user of this service and a financial institution or a postal savings, a contract ID uniquely assigned to the contract, its billing source, This is a contract index database for managing a payment account number, a process ID indicating a sharing method, a complement ID indicating a method for performing automatic complement, and the like, and is implemented as shown in FIG. Note that, as indicated by 304 in FIG. 3, it is possible to set a process ID indicating a sharing method and change the sharing method of the amount charged for each billing source.

Reference numeral 109 denotes a contract database that manages actual contract contents based on the contract ID, and is implemented as shown in FIG. FIG. 4 is for managing contract contents data such as a burden account number 402 in the contract and presence / absence of contract 403 such as automatic supplement.
110 is an account information database that manages data such as account holders, balances, supplementary limits, and the life / death status of the account for each account number, and is implemented as shown in FIGS. . FIG. 8 shows the result of transition from FIG. 7 by the processing of this embodiment, and the format is the same.
111 is a loan information database between accounts such as a creditor account number, a debtor account number, and a balance for each account, and is implemented as shown in FIG.

  FIG. 5 and FIG. 6 respectively list the process ID indicating the calculation process for determining the burden amount and its processing contents, and the complement ID indicating the calculation process for determining the deficient supplement amount and its process contents for explanation. It is a thing.

  Next, the flow of the best example in the dynamic transfer control service between multiple accounts of this invention is demonstrated along the flowchart of FIG. FIG. 10 shows a flow from when the transfer transaction is started until automatic debiting is performed and the transfer process is completed.

  First, when an automatic transfer transaction is started, transaction content data to be executed in step S101 is extracted from the transaction database. For example, when the current day is 17th and the transaction whose withdrawal date is “17th” is to be executed, the transaction data whose withdrawal date is “17th” is extracted from the transaction database. In the example of FIG. 2, the transaction date 204 is “17th”, the billing source 201 is “A power”, the payment account number 202 is “1111111”, the payer name 203 is “D Kiichiro”, and the billing amount 205 is Extract transaction data that is "10,000".

  Next, step S <b> 102 is executed to determine whether or not the payment account is an account that has concluded the multi-account dynamic transfer control service. The determination is made based on criteria such as whether or not the contract ID 301 can be found from the combination of the billing source 302 and the payment account number 303 from the contract index database of FIG. For example, when a transaction with a withdrawal date of “17th” is performed, the contract ID (301) “0001” having the same set as the set of the billing source “A power” and the payment account number “1111111” of the transaction is shown in FIG. In this case, the withdrawal is determined to be an account with which the service is concluded. If a transaction in which the billing source is “A power” and the payment account number is “9999999” is executed, the combination of the billing source and the payment account number is “A power” in the contract index database of FIG. A contract ID that matches “9999999” is searched for, but it cannot be found from the example of FIG. 3, so it is determined that the contract is not concluded.

  If the determination result in step S102 is negative, the account is determined to be an account for which the service is not contracted, and the process proceeds to step S109, which is a normal, that is, automatic transfer process to which the dynamic transfer control service of the present invention is not applied. After the automatic transfer is completed, the transaction process is terminated.

  On the other hand, if the result of the determination S102 is affirmative, the process proceeds to the next step S103. In S103, it is determined whether or not all of the accounts to be shared are unavailable. In the above example, it can be seen from FIG. 4 that there are three burden account numbers 402 with “0001” as the contract ID, “1111111”, “2222222”, and “3333333”. Further, it is determined from FIG. 7 that all the accounts exist and are available from the numbers “1111111”, “2222222”, and “3333333” and their state 705. Incidentally, the account number “4444444” indicates that the account is blocked and cannot be used, and this account cannot be used as a burden account.

If the determination in step S103 is affirmative, that is, if the transaction is not possible in all accounts that are the account of the burden account, the process proceeds to step S108 for canceling the transaction.
If the determination in S103 is negative, that is, if at least one burden account can be traded, the process proceeds to step S104 for determining how to share the burden amount between accounts.
In step S104, the sharing method is determined by specifying the process ID 304 from the contract ID 301 based on the contract index database. Based on FIG. 3, for example, when the contract ID 301 is “0001”, it is determined that the process ID 304 that is a calculation method of the burden amount is “P01”. Calculation of the burden amount of each account can be performed by any algorithm or calculation condition that satisfies the condition that the total amount of the burden amount is the same as the billing amount. However, by specifying one processing ID 304 The method of calculating the burden amount is determined by determining only one of a plurality of algorithms and calculation formula candidates determined in advance.

  In step S105, an actual process is performed based on the process ID 304 determined in S104. First, a burden account that bears the bill from the billing source is specified from the contract database. In the above example, since the contract ID 301 is “0001”, based on FIG. 4, the burden account 402 sharing the billed amount is determined as “1111111”, “2222222”, and “3333333”. When data necessary for executing the process ID 304 is used as an argument, a weight 404, a basic burden 405, a minimum burden 406 in the contract database of the dynamic transfer control service between multiple accounts, Data associated with the contract such as the maximum burden 407 may be used. Depending on the contents of the processing, necessary data can be obtained from a database such as the account information database of FIG. 8 or the loan information database of FIG. You may utilize suitably. The basic burden 405 is an amount that is most preferentially determined in the determination of the burden amount, and the minimum burden 406 is an amount that must always exceed the share of the transaction. The burden amount 407 is an amount that the share of the transaction must never exceed.

  When the process ID 304 is “P01”, from the process ID 501 in the example of FIG. 5, “processing to apportion the charged amount in the proportion according to a predetermined weight” is executed from the process content 502 and the respective burden amounts are determined. To do. Assuming that there are no conditions between the accounts (in the description to be described later, there is no monetary balance between the accounts), in the example of FIGS. 2 and 3, the billing source 301 is “A power”. , There are three burden accounts, “1111111”, “2222222”, “3333333”, and their weights are “5”, “3”, “2”. Calculate 5,000, 3,000, and 2,000, respectively.

In step S106, the burden amount of each account calculated in S105 is compared with the balance of each account, and it is determined whether payment is possible in all accounts. If this determination is affirmative, the balance is insufficient in one or more accounts, so the process proceeds to the transaction cancellation process in step S108, and this process is terminated. On the other hand, in the case of negative determination, since payment can be made in all burden accounts, the process proceeds to step S107, transfer from each account to the payment account is performed, and from the payment account to the billing source account in a lump To complete the automatic transfer control service between multiple accounts. In the above example, the burden amounts of the burden accounts “1111111”, “2222222”, and “3333333” are “5,000”, “3,000”, and “2,000”, but the balance of the burden accounts is “9,000” from FIG. ”,“ 7,000 ”,“ 7,000 ”, and payment is possible in all burden accounts, so after transferring the burden amount to the payment account, the bill amount is transferred from the payment account to the billing account in a lump. . Further, the account information database in FIG. 7 is updated, and the process of setting the balance 703 of each burden account to “4,000”, “4,000”, and “5,000” as in the balance 803 in FIG. 8 is performed. After the above processing is completed, this transaction is terminated.
In addition, when one or more burden accounts are insufficient with respect to a burden amount by the said judgment S106, withdrawing cannot be completed but it will complete | finish a transaction. Since this causes disadvantages such as payer's interest rate burden and social credit deterioration, means for avoiding this may be provided.

  Next, automatic complement means will be described below with reference to FIG. FIG. 11 is a flowchart in which a means for automatically lending a shortage amount between burden accounts and complementing the burden account with a shortage of balance is provided. For convenience of explanation, it is assumed that the account information database is in the state shown in FIG. 8 and the transaction is “A power” as in the above example.

If the determination in step S106 of FIG. 11 is affirmative, the process proceeds to step S110 instead of step S108. When the billing source 201 is “A power” in the determination S106, the burden of the burden accounts “1111111”, “2222222”, “3333333” is billed “5,000”, “3,000”, “2,000” as in the above description. It becomes distribution. Here, unlike the above example, since the precondition of the account state is FIG. 8, the account balance 803 with the account number 801 “1111111” is “4,000”, and the burden amount is “5,000”, so only “1,000”. Out of balance. Therefore, it progresses to step S110.
In the determination S110, if the result is negative, that is, the automatic supplementary service is not contracted for all burden accounts, even if the service is contracted and automatic supplementation is performed, it is unlikely that the balance shortage will be compensated (each If the automatic complement cannot be performed due to reasons such as the deposit balance in the burden account or the shortage balance exceeding the sum of the one with the smallest maximum burden), the process proceeds to step S108 where the transaction is stopped.

On the other hand, if the result of the determination S110 is affirmative, the process proceeds to step S111 in order to recalculate the burden amount based on the automatic supplement contract. In the case where the billing source in the above example is “A power”, from FIG. 4, the service is contracted with at least one account in the burden account with the contract ID 401 being “0001”, and the deposit of each burden account is Since the shortage balance does not exceed the balance or the total amount of the smaller maximum burden, the shortage of the balance can be complemented by automatic complementation. Therefore, the determination at S110 is affirmative and the process proceeds to step S111. Note that the condition of the determination S110 is set so that the loop of S105 to S106 to S110 to S110 to S111 does not become an infinite loop.
In step S111 in which the process is returned by the automatic complement setting, the shortage complement method is determined based on the complement ID 305 for the shortage of balance with respect to the burden amount. In the example of FIG. 3, it is determined that the complementary ID 305 is “C01” for the transaction whose contract ID 301 is “0001”. The shortage compensation amount of each account can be calculated by any algorithm or calculation formula that satisfies the condition that the total balance shortage amount of each burden account is the same as the sum of the supplementary amounts. By specifying one, a calculation method is determined by determining only one of a plurality of algorithms and calculation formula candidates prepared in advance.
After the calculation method is determined, the process proceeds to step S105. Since the burden account that can be deficient complemented in S110 is known, the burden amount for each burden account is determined in S105 based on the complement method determined in step S111. As in S105 of the above example, the data necessary for the supplement ID 305 may be appropriately read from the contract database or the account information database and used.

  When the billing source 201 is “A power”, as described above, the balance account “1111111” has a shortage of “1,000”. In this embodiment, a supplement amount determination process is performed for all burden accounts that can be supplemented by a supplement process in which the shortage 1000 is “C01”. When the complement ID 601 is “C01”, based on FIG. 6, “processing to apportion the amount charged according to a predetermined weight according to a predetermined weight” is executed according to the processing content 602. In the above example, the accounts that can be complemented are “2222222” and “3333333”, but the ratio of the weight “2” of “2222222” and the weight “2” of “3333333” that can be seen from FIG. The shortage “1,000” is apportioned to “600” and “400”, and each is assigned to each. Considering the burden amount in the above example, the actual billing amounts are “4,000”, “3,600”, and “2,400”, respectively.

In step S106, since the sharing is not a shortage of balance, the determination is negative, and therefore automatic transfer is performed based on the burden after the automatic supplement. Note that the automatic supplement amount at this time is managed by updating a database relating to a rental relationship between accounts at the time of transfer. In the example of FIG. 9, for the creditor account number 901 and the debtor account number 902, the loan balance 903 is “600” for the set “2222222” and “1111111”, and similarly “3333333” and “1111111” For each group, "400" is added and managed.
In addition, the cancellation of monetary loan between accounts for automatic completion may be carried out once a month on the closing date, etc., but the loan amount will be borne in the next automatic transfer transaction by applying the automatic completion. You may repay substantially by reflecting in the amount.

The automatic repayment for the automatic supplement will be described with reference to FIG. In step S105 in the above example, it is assumed that there is no monetary loan relationship between the accounts, but the description will be made assuming that there is a rental relationship. Assuming that the withdrawal from the account number “1111111” of the billing source “A Electric Power” has already been carried out and the balance of each account is as shown in FIG. For example, the withdrawal to the account number “2222222” by “Waterworks Bureau” is taken as an example.
First, whether or not there is automatic completion, the same processing as that in FIGS. 10 and 11 is performed until S103. In S104, it is understood that the billing from the billing source “B Waterworks Bureau” is borne at “fixed rate” because the processing ID is P1. Referring to the contract ID “0002” in FIG. 4, in step S105, it is determined that the two accounts of account numbers “1111111” and “3333333” execute the sharing method at a fixed rate, and the charged amount “6,000” is set to “ Calculate the amount of sharing so that the ratio is 1: 2. That is, it is calculated that each share is “2,000” and “4,000”, and the process proceeds to step S106.

In step 106, as in the above description, if the determination is affirmative, that is, if the balance of each burden account is compared with the burden amount, and if there is even one burden account that is insufficient in balance, the process proceeds to step S110. . On the other hand, if the determination is negative, that is, if there is no balance account with insufficient balance, the process proceeds to step S112. In the above example, the balances of the burden accounts “1111111” and “3333333” are “4,000” and “5,000”, respectively, and the burden amounts are “2,000” and “4,000”, respectively. Proceed to step S112.
In step S112, it is determined whether or not there is a borrowing relationship in all combinations of burden accounts. If the result is affirmative, the process proceeds to step S107 via step S113. If the result is negative, the process proceeds directly to step S107. Whether or not there is a loan relationship is determined based on whether or not the combination of creditor account number 901 and debtor account number 902 in the loan relationship database is the same as the combination of burden accounts. In the case of the above example, since the combination of burden accounts “11111111” and “3333333” exists in the example of the rental relationship database in FIG. 9, the determination is affirmative and the process proceeds to step S113.

  In step S113, the burden amount is corrected so as to eliminate the loan between burden accounts. A loan balance in the combination of the burden accounts is specified from the loan-related database, and a value reflecting the burden amount and the loan balance is set as a new burden amount. In the above example, there is a rental relationship of “400” in the loan balance 903 between the account “3333333” of the creditor account number 901 and the account “1111111” of the debtor account number 902 of FIG. Calculate the burden amount in consideration. The burden calculation including the repayment amount may be determined in any way as long as it falls below the loan balance 903. Here, assuming that the entire amount is to be repaid in a lump sum, the sum “2,400” of the burden amount “2,000” of the debtor account “1111111” and the rental balance (debt amount) “400” in the above example is Since the balance is smaller than “4,000”, the sum “2,400” is determined as the new burden amount after correction. (If the balance is smaller than the sum of the burden amount and the debt amount, the balance is the burden amount.) The burden amount “4,000” of the creditor account “3333333” in the above example and the rental balance (Receivable amount) The difference between “400” and “3,600” will be the new burden.

After calculating a new burden amount, the process proceeds to step S107. Then, in step S107, as in step S107 in the above example, after the transfer is actually performed, the transaction is terminated after reflecting the repayment amount in the rental database.
Although the payment account here has been described as an account that somebody has, it may be handled as a “virtual account”. The virtual account mentioned here is not an account where a bank and a depositor actually perform a deposit contract etc. to establish a balance and a balance is generated, but has an account number for account transfer without a balance dedicated to this service Pointing to an account. The reason why the payment account may be a virtual account is that the payment account in the present invention does not necessarily need to be a burden account at the same time and does not need to have a balance.
The advantage of using a payment account as a virtual account is that when multiple depositors bear payments, it is necessary to use one person's account as the payment account, and bear transaction details without worrying about privacy. It can be viewed by all persons.

  As described above, according to the present invention, it is possible to appropriately distribute the billing amount to the burden account, and automatically compensate for the shortage amount and automatically transfer it to the payment account. It is possible to reduce the burden of transferring the burden and the unpaid risk of the payer. Banks can also set an arbitrary fee for this service and earn fee income.

The block diagram of the Example of the dynamic transfer control system between multiple accounts which concerns on this invention. The figure which shows the format of the transaction database classified by billing origin. The figure which shows the format of the contract index database classified by billing origin. The figure which shows the format of a contract database. The figure explaining the example of the correspondence of process ID and process content. The figure explaining the example of the aspect relationship of complementation ID and complementation content. The figure which shows the format of an account information database. The figure which shows the format of an account information database. The figure which shows the format of the loan relation database between accounts. The flowchart which shows the multiple account dynamic transfer control system. The flowchart of the dynamic transfer control system between multiple accounts with a burden account automatic complement function. The flowchart of the multiple account dynamic transfer control system with a burden account automatic complement function and an automatic repayment function.

Explanation of symbols

DESCRIPTION OF SYMBOLS 101 Determination apparatus 102 Arithmetic apparatus 103 Storage apparatus 104 Input apparatus 105 Output apparatus 106 Communication apparatus 107 Transaction database 108 Contract index database 109 Contract database 110 Account information database 111 Lending information database

Claims (4)

Means for storing a plurality of payment accounts as a transfer source of the consideration and payment information including a payment ratio of the plurality of payment accounts with respect to the consideration in a multiple account transfer control system when paying the consideration by account transfer And a means for calculating a payment amount for each of the plurality of accounts according to the payment information set in the plurality of payment accounts, when there is a payment request for the consideration, and each of the calculated payment amounts The balance of each of the plurality of accounts is compared to detect whether there is an account that cannot be transferred in the plurality of accounts, and if there is an account that cannot be transferred, the shortage amount is calculated and calculated. A plurality of accounts for substituting the account for substituting the deficient amount, and executing the payment of the consideration from the accounts included in the plurality of accounts. System. 2. The multiple account transfer control system according to claim 1, wherein the payment information is information on a payment ratio of the plurality of payment accounts or prioritization of payments of the plurality of payment accounts, and means for calculating the payment amount Calculates the amount to be transferred from the specified account based on the payment information. In the multiple account transfer control method when paying the consideration by account transfer, storing a plurality of payment accounts as a transfer source of the consideration and payment information including a payment ratio of the plurality of payment accounts with respect to the consideration In addition, when there is a payment request for the consideration, the payment amount of each of the plurality of accounts is calculated according to the payment information set in the plurality of payment accounts, and each of the calculated payment amounts and the plurality of payment amounts are calculated. The balance of each of the accounts is compared to detect whether there is an account that cannot be transferred in the plurality of accounts, and if there is an account that cannot be transferred, the shortage amount is calculated, and the calculated shortage amount A multiple account transfer control method for executing payment of the consideration from an account included in the plurality of accounts by specifying an account substituting for the plurality of accounts. 4. The multiple account transfer control method according to claim 3, wherein the payment information is information on a payment ratio of the plurality of payment accounts or prioritization of payments of the plurality of payment accounts, and the payment amount is specified. A multi-account transfer control method, wherein an amount to be transferred from an account is calculated based on the payment information.

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