JP2007026305A - Account transfer system, account transfer program and account transfer method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To perform automatic transfer between bank accounts such that deposit balance of a payoff target becomes a prescribed money amount. <P>SOLUTION: This account transfer system has: a customer information storage means storing a plurality of pieces of customer information wherein depositor identification information for identifying a depositor, account type information allowing identification of the type of the bank account opened by the depositor, and the deposit balance of the bank aaccount are associated; a total deposit balance calculation means adding the deposit balance of all the bank accounts of total deposit balance calculation targets, having the same depositor identification information except the bank account wherein the account type information is a settling account, in reference to the customer information storage means, so as to calculate total deposit balance; and a transfer means comparing the total deposit balance and a limit amount predetermined by the depositor, and performing the transfer of a money amount corresponding to a difference between the total deposit balance and the limit amount to the bank account wherein the account type information is the settlement account from the bank account wherein the account kind information is an ordinary account when the total deposit balance exceeds the limit amount. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to an account transfer system, an account transfer program, and an account transfer method for transferring money between deposit accounts so that a balance of a deposit subject to payoff becomes a predetermined amount.

Conventionally, as a measure for so-called payoff (a measure that guarantees the amount of guaranteed withdrawal of time deposits up to 10 million yen and interest when a bank or other financial institution fails), the depositor always monitors the deposit balance. In order to reduce the depositor's burden of always managing the balance of the deposit account so that the total amount does not exceed 10 million yen and taking the necessary measures, multiple depositors for one depositor 2. Description of the Related Art An automatic deposit balance adjustment system that automatically transfers money between a plurality of deposit accounts established in financial institutions is known (see, for example, Patent Document 1).
Table 02/095642

  However, in the deposit balance automatic adjustment system shown in Patent Document 1, a transfer is automatically performed between a plurality of deposit accounts respectively opened in a plurality of financial institutions for one depositor. For this reason, there is a problem that one depositor must open accounts at a plurality of financial institutions and manage the deposit balances of the plurality of financial institutions. There is also a problem that when the deposit balance of the transfer destination financial institution exceeds the limit, it is necessary to continue to open an account of another financial institution.

  The present invention has been made in view of such circumstances, and performs automatic transfer between deposit accounts so that the balance of deposits subject to payoff becomes a predetermined amount without opening deposit accounts at a plurality of financial institutions. It is an object to provide an account transfer system, an account transfer program, and an account transfer method.

  The present invention is an account transfer system for transferring money between a plurality of deposit accounts opened for one depositor in one financial institution, depositor identification information for identifying a depositor, and the depositor Referring to the customer information storage means for storing a plurality of customer information associated with the account type information capable of identifying the type of the deposit account opened by the customer, the deposit balance of the deposit account, and the customer information storage means The total deposit balance that calculates the total deposit balance by adding the deposit balances of all the deposit accounts for which the depositor identification information is the same and the total deposit balance calculation target, except for the deposit account whose account type information is a settlement account The calculation means compares the total deposit balance with the limit determined in advance by the depositor, and when the total deposit balance exceeds the limit, the account type information from the deposit account that is the ordinary deposit account Information is a payment account That respect account, characterized by comprising a transfer means for performing transfer of the amount equivalent to the difference between the limit and the total deposit balance.

  In the present invention, as a result of comparing the total deposit balance and the limit amount, the transfer means, when the total deposit balance is less than the limit amount, the account type information from the deposit account whose account type information is a settlement account An amount of money corresponding to the difference between the limit amount and the total deposit balance is transferred to a deposit account whose information is a savings account.

  The present invention is characterized in that the total deposit balance calculation means calculates the total deposit balance in a predetermined cycle, and the transfer means performs transfer every time the total deposit balance is calculated.

  The present invention relates to depositor identification information for identifying a depositor and deposits opened by the depositor in order to perform a transfer between a plurality of deposit accounts opened in one financial institution for one depositor. An account transfer program that operates on an account transfer system provided with customer information storage means in which a plurality of customer information associated with account type information capable of identifying an account type and the deposit balance of the deposit account is stored. Then, referring to the customer information storage means, except for the deposit account whose account type information is a settlement account, add the deposit balances of all deposit accounts whose depositor identification information is the same and whose total deposit balance is to be calculated. The total deposit balance calculation processing for calculating the total deposit balance, the total deposit balance and the limit determined in advance by the depositor, and if the total deposit balance exceeds the limit, the account type information Is a savings account A transfer process for transferring an amount corresponding to a difference between the total deposit balance and the limit amount from a deposit account to a deposit account whose account type information is a settlement account. To do.

  In the present invention, when the total deposit balance is less than the limit as a result of comparing the total deposit balance and the limit amount, the transfer process determines whether the account type information is an account type from a deposit account whose account type information is a settlement account. An amount of money corresponding to the difference between the limit amount and the total deposit balance is transferred to a deposit account whose information is a savings account.

  The present invention is characterized in that the total deposit balance calculation process calculates the total deposit balance in a predetermined cycle, and the transfer process performs a transfer every time the total deposit balance is calculated.

  The present invention relates to depositor identification information for identifying a depositor and deposits opened by the depositor in order to perform a transfer between a plurality of deposit accounts opened in one financial institution for one depositor. An account transfer method in an account transfer system comprising customer information storage means for storing a plurality of customer information associated with account type information capable of identifying an account type and a deposit balance of the deposit account, Referring to the customer information storage means, add the deposit balances of all deposit accounts for which the depositor identification information is the same and the total deposit balance calculation target is the same, except for the deposit account whose account type information is a settlement account. Comparing the total deposit balance calculating step for calculating the deposit balance with the total deposit balance and a limit determined in advance by the depositor, and when the total deposit balance exceeds the limit, the account type information is the ordinary deposit Deposit that is an account Against account account type information is settlement account from the account, and having a transfer step of performing a transfer of the amount equivalent to the difference between the total deposit balance the limit.

  In the present invention, when the total deposit balance is less than the limit as a result of comparing the total deposit balance and the limit amount, the transfer step determines whether the account type information is an account type from a deposit account whose account type information is a settlement account. An amount of money corresponding to the difference between the limit amount and the total deposit balance is transferred to a deposit account whose information is a savings account.

  The present invention is characterized in that the total deposit balance calculation step calculates the total deposit balance at a predetermined cycle, and the transfer step performs transfer every time the total deposit balance is calculated.

  According to the present invention, the deposit balance is compared with the limit, and if the deposit balance exceeds the limit, it is automatically transferred from the savings account to the settlement deposit account that is fully guaranteed. The effect of being able to protect the deposits is obtained. In addition, when the deposit balance is less than the limit, automatic transfer is performed so that the deposit account for settlement is returned to the savings account, so that the distribution of deposits between deposit accounts can be optimized. can get.

  Hereinafter, an account transfer system according to an embodiment of the present invention will be described with reference to the drawings. FIG. 1 is a block diagram showing the configuration of the embodiment. In this figure, reference numeral 1 denotes a customer information storage unit in which balance information for each deposit account opened by a customer is stored. Reference numeral 2 denotes an account transfer system that performs automatic transfer between deposit accounts so that the deposit balance of a desired deposit account becomes a predetermined amount in one financial institution. Reference numeral 3 denotes a payment system that performs a payment process based on the deposit balance information stored in the customer information storage unit 1. Reference numeral 4 denotes another financial processing system that executes processing such as transfer from another financial institution or the like based on the deposit balance information stored in the customer information storage unit 1.

  Reference numeral 21 denotes an implementation management unit that manages the implementation date of the automatic transfer process. Reference numeral 22 denotes a timer for outputting current date and time information. Reference numeral 23 refers to the customer information storage unit 1 and stores the deposit balances of all deposit accounts for which the depositor identification information is the same and the total deposit balance calculation target, except for the deposit account whose account type information is a settlement account. It is a total deposit balance calculation part which adds and calculates the total deposit balance for every depositor. Reference numeral 24 is a comparison / determination unit that compares the value of the total deposit balance output from the total deposit balance calculation unit 23 with a limit determined in advance by the depositor and determines an automatic transfer process to be performed. When the total deposit balance exceeds the limit amount, the reference numeral 25 indicates the relationship between the total deposit balance and the limit amount from a deposit account whose account type information is a savings account to a deposit account whose account type information is a settlement account. This is a forward swing execution unit for transferring an amount corresponding to the difference (this is called a forward swing). Reference numeral 26 indicates that when the total deposit balance is less than the limit amount, the limit amount and the total deposit balance are calculated from a deposit account whose account type information is a settlement account to a deposit account whose account type information is a savings account. This is a reverse swing execution unit that performs transfer of an amount corresponding to the difference (this is called reverse swing). Reference numeral 27 denotes a transfer processing unit including a comparison determination unit 24, a forward swing execution unit 25, and a reverse swing execution unit 26. Reference numeral 28 denotes a result notification unit that outputs information indicating that automatic transfer has occurred when a forward swing or a reverse swing is executed.

  In the following explanation, when a financial institution such as a bank fails, the current deposit or the non-interesting savings deposit is fully protected as a “settlement deposit”, and the fixed deposit or interest saving savings deposit is 1 The explanation is based on the assumption that up to 10 million yen of principal and its interest are protected per depositary per financial institution.

  Next, the table structure of the customer information storage unit 1 shown in FIG. 1 will be described with reference to FIG. The customer information storage unit 1 stores “customer information”, “customer identification number”, “account type information”, “account number”, “balance”, “execution flag”, “target flag” for each customer (depositor). , It has a “limit” field. The customer information is information for specifying the depositor by name and address. The customer identification number is an identification number that can uniquely identify the depositor. The account type information is information that can identify the type of the deposit account opened by the depositor, and as the type information, the deposit for deposit, the ordinary deposit, the fixed deposit, the reserve deposit, the notification deposit, the extra deposit, the fixed deposit Etc. The account number is an identification number that can uniquely identify the deposit account. The balance is a balance value of each deposit account, and is expressed as a negative value in the case of an overdraft balance.

  The execution flag is a flag indicating whether or not to perform forward swing and reverse swing, and is determined in advance by the depositor. When the upper value is “1”, it means that a forward swing is performed, and when the lower value is “1”, it means that a reverse swing is performed. When the execution flag is “00”, it indicates that the forward swing and the reverse swing are not performed. When the execution flag is “10”, only the forward swing is performed. When the execution flag is “01”, only the reverse swing is performed. Show. The target flag indicates that the total deposit balance calculation unit 23 is a target deposit account when calculating the total deposit balance. When the target flag is “1”, it indicates that the total deposit balance calculation unit 23 is a target deposit account. If it is “0”, it indicates that the deposit account is not eligible. This target flag is set based on the contents previously determined by the depositor. The limit of the deposit for settlement is the lower limit of the amount left in the deposit account for settlement when the reverse swing is executed, and is determined and set in advance by the depositor. The limit of the deposit account excluding the deposit for settlement is the upper limit of the balance total value of the deposit account whose target flag is “1”.

In the example shown in FIG. 2, the depositor “Taro” is an example of opening a settlement deposit, ordinary deposit, fixed deposit, and XX deposit account, and the depositor “XX Hanako” is shown. Shows an example of opening an account only for settlement deposits, savings deposits, and funding periods.
A depositor who desires a forward swing service and a reverse swing service (the execution flag is not “00”) must open at least a settlement account and a savings account in advance.

  Next, the operation of the account transfer system 2 shown in FIG. 1 will be described with reference to FIG. First, the implementation management unit 21 refers to the date and time information output from the timer 22 to calculate the number of days that have passed since the last total deposit balance calculation process (the final implementation date). It waits until it reaches a predetermined implementation period (for example, 7 days) (steps S1, S2). This implementation period may be determined, for example, every Thursday.

  Next, the execution management unit 21 outputs an instruction to execute a total deposit balance calculation process to the total deposit balance calculation unit 23 when a predetermined execution period is reached. In response, the total deposit balance calculation unit 23 refers to the customer information storage unit 1 and calculates the total deposit balance (T) of each depositor (step S3). At this time, the total deposit balance calculation unit 23 calculates the total deposit balance (T) by adding the balances of all the deposit accounts having the target flag “1” for each depositor whose execution flag is not “00”. To do. Then, the total deposit balance calculation unit 23 outputs the calculated total deposit balance (T) for one depositor and the customer identification number of the depositor to the comparison determination unit 24.

  Next, the comparison determination unit 24 inputs the total deposit balance (T) and the customer identification number from the total deposit balance calculation unit 23. The comparison determination unit 24 reads from the customer information storage unit 1 the limit (R) of the deposit account and the execution flag excluding the settlement deposit associated with the input customer identification number (step S4). Then, the comparison / determination unit 24 compares the input total deposit balance (T) and the limit (R) of the deposit account excluding the read settlement deposit (step S5). As a result of comparing the total deposit balance (T) and the limit amount (R), if the amount is the same (T = R), the transfer process is not necessary, so the process proceeds to step S10 without executing the automatic transfer process. To do.

  As a result of comparing the total deposit balance (T) and the limit amount (R), the total deposit balance (T) exceeds the limit amount (R) (T> R), but the top of the implementation flag is “0” In some cases, since the forward swing is not subject to execution, the process proceeds to step S10 without executing the automatic transfer process. On the other hand, when the total deposit balance (T) exceeds the limit (R) (T> R) and the execution flag is “1”, the comparison determination unit 24 determines whether the total deposit balance (T) The limit amount (R) is subtracted (S = TR) to obtain the difference amount (S). Then, the comparison determination unit 24 outputs the obtained difference (S) and the customer identification number to the forward swing execution unit 25, and instructs the execution of the forward swing. In response to this, the forward swing execution unit 25 updates the balance in the customer information storage unit 1 based on the difference (S) input from the comparison determination unit 24 and the customer identification number, and performs automatic transfer (forward swing). Implement (step S6). At this time, the forward swing execution unit 25 reads the balance (TF) of the depositor's savings account specified by the customer identification number input from the comparison determination unit 24, and the difference (TF) from the balance (TF) of the savings account (TF) S) is subtracted (TF-S), and this balance is written in the customer information storage unit 1 as the balance (TF) of the new savings account. Further, the forward swing execution unit 25 reads the balance (TK) of the depositor's settlement account specified by the customer identification number input from the comparison determination unit 24, and with respect to the balance (TK) of the settlement account for settlement. The difference (S) is added (TK + S), and this balance is written in the customer information storage unit 1 as the balance (TK) of the new settlement account. As a result, the forward swing is executed.

  Next, the forward swing execution unit 25 sends a forward swing execution message including the balance of the new savings account, the balance of the new settlement account, the difference (S), and the customer identification number to the result notification unit 28. Notification is made (step S7). In response to this, the result notification unit 28 reads the customer information associated with the customer identification number included in this message from the customer information storage unit 1. Then, the result notifying unit 28 automatically determines from the read customer information (customer name and address) and the new ordinary deposit account balance, the new settlement account balance and the difference (S) included in the forward swing execution message. The transfer amount is printed out by the printing device. This printed matter is sent to the depositor using mail or the like.

  Further, as a result of comparing the total deposit balance (T) and the limit amount (R), the total deposit balance (T) is less than the limit amount (R) (T <R), but the lower level of the execution flag is “0”. If it is, since the reverse swing is not subject to execution, the process proceeds to step S10 without executing the automatic transfer process. On the other hand, as a result of comparing the total deposit balance (T) with the limit (R), the total deposit balance (T) is less than the limit (R), and the lower level of the execution flag is “1”. In the case (T <R), the comparison / determination unit 24 subtracts the total deposit balance (T) from the limit (R) (S = R−T) to obtain the difference (S). Then, the comparison determination unit 24 outputs the obtained difference (S) and the customer identification number to the reverse swing execution unit 26 and instructs execution of the reverse swing. In response to this, the reverse swing execution unit 26 updates the balance in the customer information storage unit 1 based on the difference (S) input from the comparison determination unit 24 and the customer identification number, and performs automatic transfer (reverse swing). Implement (step S8). At this time, the reverse swing execution unit 26 sets the balance (TK) of the depositor's settlement account specified by the customer identification number input from the comparison determination unit 24 and the lower limit (R2) of the settlement account. Read and subtract the lower limit (R2) from the balance (TK) of the deposit account for settlement (TK2 = TK−R2) to calculate the actual deposit account balance (TK2) for settlement. When the actual deposit account balance for settlement (TK2) is already a negative value or zero, since the transfer is not possible, the process is terminated without performing the automatic transfer.

  When the actual settlement account balance (TK2) is a positive value, the reverse swing execution unit 26 compares the actual settlement account balance (TK2) with the difference (S) input from the comparison determination unit 24. The transfer amount (either S2 = TK2 or S2 = S) is determined by selecting the smaller value. The reverse swing execution unit 26 subtracts (TK-S2) the transfer amount (S2) determined from the balance (TK) of the deposit account for settlement, and uses this balance as the balance (TK) of the new settlement account. Write to the storage unit 1. Further, the reverse swing execution unit 26 reads the balance (TF) of the depositor's saving account specified by the customer identification number input from the comparison determination unit 24, and with respect to the balance (TF) of the savings account, The transfer amount (S2) is added (TF + S2), and this balance is written in the customer information storage unit 1 as a balance (TF) of a new ordinary deposit account. As a result, the reverse swing is executed.

  Next, the reverse swing execution unit 26 sends a reverse swing execution message including the balance of the new savings account, the balance of the new settlement account, the transfer amount (S2), and the customer identification number to the result notification unit 28. Is notified (step S9). In response to this, the result notification unit 28 reads the customer information associated with the customer identification number included in this message from the customer information storage unit 1. Then, the result notification unit 28 prints out the new customer account balance, the new account balance and the transfer amount, which are included in the read customer information (customer name and address) and the reverse swing execution message, using the printing device. Output. This printed matter is sent to the depositor using mail or the like.

  Next, the transfer processing unit 27 determines whether or not processing has been performed for all target depositors (depositors whose execution flag is not “00”) (step S10), and until the processing is completed for all target depositors. The above-described processing (steps S3 to S9) is repeatedly executed. And when all the processes are complete | finished, the implementation management part 21 updates the last implementation date (step S11).

  In this way, the deposit balance is compared with the limit amount, and if the deposit balance exceeds the limit amount, it is automatically transferred from the savings account to the deposit account for payment that is fully guaranteed. If set to 10 million yen, all deposits subject to payoff can be protected. Further, when the deposit balance is less than the limit amount, automatic transfer is performed so that the deposit account for settlement is returned to the ordinary deposit account, so that the distribution of deposits between the deposit accounts can be optimized.

  When a lower limit is set for the savings account and the forward swing execution unit 25 transfers from the savings account to the settlement account, automatic transfer is performed so that the balance of the lower limit remains. You may do it.

  Further, the program for realizing the function of the processing unit in FIG. 1 is recorded on a computer-readable recording medium, and the program recorded on the recording medium is read into the computer system and executed to execute the account transfer process. You may go. The “computer system” here includes an OS and hardware such as peripheral devices. The “computer system” includes a WWW system having a homepage providing environment (or display environment). The “computer-readable recording medium” refers to a storage device such as a flexible medium, a magneto-optical disk, a portable medium such as a ROM and a CD-ROM, and a hard disk incorporated in a computer system. Further, the “computer-readable recording medium” refers to a volatile memory (RAM) in a computer system that becomes a server or a client when a program is transmitted via a network such as the Internet or a communication line such as a telephone line. In addition, those holding programs for a certain period of time are also included.

  The program may be transmitted from a computer system storing the program in a storage device or the like to another computer system via a transmission medium or by a transmission wave in the transmission medium. Here, the “transmission medium” for transmitting the program refers to a medium having a function of transmitting information, such as a network (communication network) such as the Internet or a communication line (communication line) such as a telephone line. The program may be for realizing a part of the functions described above. Furthermore, what can implement | achieve the function mentioned above in combination with the program already recorded on the computer system, and what is called a difference file (difference program) may be sufficient.

It is a block diagram which shows the structure of one Embodiment of this invention. It is a flowchart which shows the table structure of the customer information storage part 1 shown in FIG. It is a flowchart which shows operation | movement of the account transfer system 2 shown in FIG.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 ... Customer information storage part, 2 ... Account transfer system, 21 ... Execution management part, 22 ... Timer, 23 ... Total deposit balance calculation part, 24 ... Comparison determination part, 25 ... forward swing execution unit, 26 ... reverse swing execution unit, 27 ... transfer processing unit, 28 ... results notification unit, 3 ... settlement system, 4 ... other systems

Claims (9)

An account transfer system for transferring money between a plurality of deposit accounts opened in one financial institution for one depositor,
Customer storing a plurality of customer information in which depositor identification information for identifying a depositor, account type information for identifying the type of a deposit account opened by the depositor, and a deposit balance of the deposit account Information storage means;
With reference to the customer information storage means, except for the deposit account whose account type information is a settlement account, the depositor identification information is the same, and the deposit balances of all the deposit accounts subject to the total deposit balance calculation are added, A total deposit balance calculating means for calculating a total deposit balance;
The total deposit balance is compared with the limit determined in advance by the depositor, and when the total deposit balance exceeds the limit, the account type information is used for settlement from a deposit account whose account type information is a savings account. An account transfer system comprising: transfer means for transferring an amount corresponding to the difference between the total deposit balance and the limit amount to a deposit account which is an account.   When the total deposit balance is less than the limit as a result of comparing the total deposit balance and the limit amount, the transfer means has the account type information as a savings account from a deposit account whose account type information is a settlement account. 2. The account transfer system according to claim 1, wherein an amount corresponding to a difference between the limit amount and the total deposit balance is transferred to a deposit account that is an account.   3. The total deposit balance calculation unit calculates the total deposit balance at a predetermined cycle, and the transfer unit performs transfer each time the total deposit balance is calculated. The direct debit system described in Crab. Depositor identification information for identifying a depositor and the type of deposit account opened by the depositor in order to perform transfer between a plurality of deposit accounts opened in one financial institution for one depositor. An account transfer program that operates on an account transfer system including customer information storage means in which a plurality of customer information related to identifiable account type information and the deposit balance of the deposit account is stored,
With reference to the customer information storage means, except for the deposit account whose account type information is a settlement account, the depositor identification information is the same, and the deposit balances of all the deposit accounts subject to the total deposit balance calculation are added, A total deposit balance calculation process for calculating the total deposit balance;
The total deposit balance is compared with the limit determined in advance by the depositor, and when the total deposit balance exceeds the limit, the account type information is used for settlement from a deposit account whose account type information is a savings account. An account transfer program that causes a computer to perform a transfer process for transferring an amount corresponding to the difference between the total deposit balance and the limit amount to a deposit account that is an account.   When the total deposit balance is less than the limit as a result of comparing the total deposit balance and the limit amount, the transfer processing is performed when the account type information is a savings account from a deposit account whose account type information is a settlement account. 5. The account transfer program according to claim 4, wherein an amount corresponding to a difference between the limit amount and the total deposit balance is transferred to a deposit account which is an account.   6. The total deposit balance calculation process calculates the total deposit balance in a predetermined cycle, and the transfer process performs a transfer every time the total deposit balance is calculated. The fund transfer program described in Crab. Depositor identification information for identifying a depositor and the type of deposit account opened by the depositor in order to perform transfer between a plurality of deposit accounts opened in one financial institution for one depositor. An account transfer method in an account transfer system comprising customer information storage means in which a plurality of customer information related to identifiable account type information and the deposit balance of the deposit account is stored,
With reference to the customer information storage means, except for the deposit account whose account type information is a settlement account, the depositor identification information is the same, and the deposit balances of all deposit accounts subject to total deposit balance calculation are added, A total deposit balance calculating step for calculating a total deposit balance;
The total deposit balance is compared with the limit determined in advance by the depositor, and when the total deposit balance exceeds the limit, the account type information is used for settlement from a deposit account whose account type information is a savings account. And a transfer step of transferring an amount corresponding to a difference between the total deposit balance and the limit amount to a deposit account which is an account.   If the total deposit balance is less than the limit as a result of comparing the total deposit balance and the limit amount, the transfer step determines that the account type information is an ordinary deposit from a deposit account whose account type information is a settlement account. 8. The account transfer method according to claim 7, wherein an amount corresponding to a difference between the limit amount and the total deposit balance is transferred to a deposit account that is an account. 9. The total deposit balance calculating step calculates the total deposit balance in a predetermined cycle, and the transfer step performs transfer each time the total deposit balance is calculated. The direct debit method described in Crab.

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