JP2008242586A - Account management system and account management method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an account management system and an account management method for defining maximum payment to a user, and paying money from a bank account according to the maximum payment, or receiving money to the bank account. <P>SOLUTION: A virtual account control server 20b is provided with a virtual account master data storage section 22 in which data about maximum payment, an amount of a cumulative use, and a head office account identifier are recorded at each virtual account. A telegram requesting for dealing containing the account identifier of the virtual account is delivered to a virtual account management server 20b. In this case, when user authentication is completed, a controller 21 of the virtual account management server 20b acquires the account balance of the virtual account and compares it with a withdrawal desired amount. When the withdrawal desired amount is smaller than the account balance of the virtual account, the controller 21 performs a payment process using the head office account in a basic server 20c. When payment is completed in the basic server 20c, the virtual account control server 20b performs the updating processing of the amount of the cumulative use. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention provides an account management system that allows a user to set a payment limit and efficiently withdraws money from or deposits into a deposit account according to the payment limit, and It relates to an account management method.

  Today, corporate funds are often managed with headquarters accounts by concentrating funds. However, cash may also be required for retail payments at sales offices or branch offices (see, for example, Patent Document 1). For example, expenses such as purchase costs for sales offices to purchase corporate goods and transportation costs for employee business trips are required. In this case, it is possible for the employee to change the cost, but ideally it is desirable for the sales office to secure cash and hand it in advance. For this reason, when securing cash at a sales office, an account may be opened at a nearby financial institution to manage funds.

In addition, funds that can be used at such sales offices are usually limited, and it is necessary to manage the amount of money used. In this case, for example, it is possible to use a deposit account management method that allows the user to use the deposit account within the limits of use of the deposit account (see, for example, Patent Document 2). In the technique described in this document, the automatic teller machine transmits a withdrawal request including a use frame, a use desired amount, a use frame password, a card password, and card information to the financial institution system. The management computer that has received this withdrawal request performs user authentication and confirms the usage frame password for the usage frame identifier. Next, the management computer determines whether or not the designated usage frame is available based on the expiration date and the remaining amount. Further, the management computer checks whether or not the desired usage amount is less than or equal to the account balance, and if the desired usage amount is less than or equal to the account balance, executes the specified transaction process. Then, the management computer updates the balance of the usage frame and the account balance with respect to the usage amount.
JP 2006-92576 A (first page) JP-A-2004-199251 (first page)

  As described above, when a business office opens an account individually and manages cash with an account for each business office, it is not possible to meet the company's needs for collecting and managing funds. In addition, it takes time to manage the account for each sales office. In addition, another mechanism must be used to transfer the sales collected from customers to the head office account.

  Moreover, in the technique of patent document 2, returning cash to an account is not assumed. In particular, when returning cash, the handling of cash differs between when returning expenses and when transferring sales. Even in such a variety of needs, there is a need to achieve them efficiently using conventional hardware resources as much as possible.

  The present invention has been made in order to solve the above-mentioned problems. The purpose of the present invention is to set a payment limit for a user, and withdraw money from a deposit account or deposit a deposit according to the payment limit. To provide an account management system and an account management method for depositing into an account.

In order to solve the above-mentioned problem, the invention described in claim 1 includes a virtual account master storage unit that records data for specifying a personal identification number, an original account identifier, and an available balance for a virtual account identifier. An account management system comprising a backbone system for managing an account and a control means connected to the automatic teller machine, wherein the control means includes the withdrawal request message received from the automatic teller machine, A withdrawal request message with the virtual account identifier recorded in the virtual account master storage means as a withdrawal account identifier is acquired, and the PIN number included in the withdrawal request message and recorded in the virtual account master storage means When the collation is completed with the PIN number, the available balance recorded in the virtual account master storage means is acquired, and the withdrawal request amount included in the withdrawal request message When the withdrawal request amount is equal to or less than the available balance, the original account identifier associated with the virtual account identifier is acquired and the withdrawal account identifier of the withdrawal request message is compared with the available balance When the withdrawal request message is originally replaced with the account identifier is transmitted to the backbone system, and the withdrawal processing in the automatic teller machine is completed for the withdrawal request message, the withdrawal request is made from the available remaining amount. The gist is to subtract the amount of money and update and record it in the virtual account master storage means.

  According to a second aspect of the present invention, in the account management system according to the first aspect, the virtual account master storage means further stores data relating to a personal identification number for the original account identifier. When sending a withdrawal request message, the gist is to replace the password recorded in the withdrawal request message received from the automatic teller machine with the password recorded in the virtual account master storage means. .

  The invention according to claim 3 is the account management system according to claim 1 or 2, wherein the withdrawal request amount included in the withdrawal request message is associated with the virtual account identifier and issued together with the withdrawal request date. The gist is to record the money history in the virtual account usage history storage means.

  According to a fourth aspect of the present invention, in the account management system according to the third aspect, the control means further receives a virtual account identifier recorded in the virtual account master storage means from an automatic teller machine. Acquire a deposit request message as an account identifier, acquire the latest withdrawal history recorded in the virtual account usage history storage means, and from the withdrawal request amount included in the withdrawal history to the deposit request message When the recorded deposit amount is low, the deposit amount is added to the available balance recorded in the virtual account master storage means, the available balance is updated and recorded, and the deposit destination account of the deposit request message The gist is to transmit a deposit request message in which the identifier is originally replaced with the account identifier to the backbone system.

  According to a fifth aspect of the present invention, in the account management system according to any one of the first to fourth aspects, data relating to a payment limit amount and a cumulative usage amount is recorded in the virtual account master storage means, and the payment limit The gist is to calculate the available remaining amount from the amount and the accumulated usage amount.

The invention according to claim 6 is a virtual account master storage means for recording data for specifying a personal identification number, an original account identifier and an available balance with respect to a virtual account identifier, a basic system for managing an account, and cash An account management method using an account management system comprising a control means connected to an automatic teller machine, wherein the control means includes the virtual account master among withdrawal request messages received from an automatic teller machine A withdrawal request message with the virtual account identifier recorded in the storage means as a withdrawal account identifier is acquired, a PIN number included in the withdrawal request message, and a PIN number recorded in the virtual account master storage means When the collation is completed, the available remaining amount recorded in the virtual account master storage means is acquired, and the withdrawal request amount included in the withdrawal request message and the interest rate are acquired. When the withdrawal request amount is equal to or less than the available remaining amount, the original account identifier associated with the virtual account identifier is acquired, and the withdrawal account identifier of the withdrawal request message is originally When the withdrawal request message replaced with the account identifier is transmitted to the backbone system, and the withdrawal processing in the automatic teller machine is completed for the withdrawal request message, the withdrawal request amount is calculated from the available balance. The gist is to deduct and record the updated record in the virtual account master storage means.

(Function)
According to the first or sixth aspect of the present invention, the virtual account master storage means stores the code number, the original account identifier, and data for specifying the available balance in association with the virtual account identifier. And a control means acquires the withdrawal request message which uses the virtual account identifier recorded on the virtual account master memory | storage means as a withdrawal account identifier among the withdrawal request messages received from the automatic teller machine. Then, the personal identification number included in the withdrawal request message is collated with the personal identification number recorded in the virtual account master storage means. When the collation is completed, the available balance recorded in the virtual account master storage unit is acquired, and the withdrawal request amount included in the withdrawal request message is compared with the available balance. If the withdrawal request amount is less than the available balance, the withdrawal request message obtained by acquiring the original account identifier associated with the virtual account identifier and replacing the withdrawal account identifier of the withdrawal request message with the original account identifier. Is sent to the core system. Then, for the withdrawal request message, when the withdrawal process in the automatic teller machine is completed, the withdrawal request amount is subtracted from the available remaining amount and is updated and recorded in the virtual account master storage means. Thereby, it is possible to allow withdrawal from the original account associated with the virtual account while using the virtual account master storage unit to limit the payment limit set for the virtual account.

  According to the second aspect of the present invention, the virtual account master storage unit further records data related to the personal identification number for the account identifier. Then, when transmitting the withdrawal request message to the core system, the control means changes the password recorded in the withdrawal request message received from the automatic teller machine to the password recorded in the virtual account master storage means. Replace. Thereby, even when a different personal identification number is set for each virtual account, withdrawal can be permitted using the personal identification number of the account.

  According to the third aspect of the present invention, the withdrawal request amount included in the withdrawal request message is associated with the virtual account identifier and recorded in the virtual account use history storage unit as a withdrawal history together with the withdrawal request date. Thereby, it is possible to grasp the state of withdrawal using the virtual account.

  According to the fourth aspect of the present invention, when the control unit obtains the deposit request message in which the deposit destination account identifier is recorded in the virtual account master storage unit from the automatic teller machine, the control unit records in the virtual account master storage unit. Get the latest withdrawal history. And if the deposit amount recorded in the deposit request message is lower than the withdrawal request amount included in the withdrawal history, add the deposit amount to the available balance recorded in the virtual account master storage means and use The possible remaining amount is updated and recorded, and a deposit request message in which the deposit destination account identifier of the deposit request message is replaced with the original account identifier is transmitted to the backbone system. Thereby, when a part of the amount of money withdrawn (remaining amount) is refunded, the available remaining amount can be recovered.

  According to the fifth aspect of the present invention, the virtual account master storage means records data relating to the payment limit amount and the accumulated usage amount. Thereby, the available remaining amount can be calculated from the payment limit amount and the accumulated usage amount.

  According to the present invention, it is possible to set a payment limit for a user and efficiently withdraw money from a deposit account or deposit money into a deposit account according to the payment limit.

Hereinafter, an embodiment embodying the present invention will be described with reference to FIGS. In this embodiment, using an automatic teller machine as a financial institution terminal device, an account management system and an account used for providing cash related to expenses to a sales office and depositing sales collected by the sales office This will be described as a management method.

  In the present embodiment, as shown in FIG. 1, an automatic teller machine 10 and a bank host system 20 are connected to each other via a network in a financial institution. The bank host system 20 includes a network unit 20a, a virtual account management server 20b, and a backbone server 20c as a backbone system.

  The network unit 20a receives a transaction instruction message from the automatic teller machine 10. Then, a message for using a virtual account and a message for using a normal account are sorted. Specifically, the network unit 20a holds a table for identifying a virtual account, and when receiving a transaction instruction message using the virtual account, transfers the message to the virtual account management server 20b. . When a transaction instruction message using a normal account (other than a virtual account) is received, the message is transferred to the backbone server 20c. In order to identify the virtual account and the normal account, for example, it can be determined using a table listing virtual account identifiers. It is also possible to assign a specific branch code to the virtual account and make a determination using this branch code.

  The virtual account management server 20b is a computer system for managing cash payment and sales collection for each business office of a company. As shown in FIG. 1, the virtual account management server 20 b includes a control unit 21, a virtual account master data storage unit 22 as a virtual account master storage unit and a virtual account usage history storage unit. The control unit 21 performs data management processing related to expenses provided to each business office. The control unit 21 includes a control unit including a CPU, a RAM, a ROM, and the like (not shown), and performs processing described later. By starting an execution program for this purpose, the control unit 21 functions as a withdrawal processing unit 211, a depositing processing unit 212, and the like.

  The withdrawal processing unit 211 executes the withdrawal processing from the management of each record recorded in the virtual account master data storage unit 22 and the head office account based on the message acquired from the automatic teller machine 10. Specifically, the withdrawal processing unit 211 has replaced the withdrawal request message including the virtual account identifier, the PIN verification stage, the comparison stage between the withdrawal request amount and the available balance, and the original account identifier. Each process of the withdrawal request message transmission stage and the available remaining amount update recording stage is executed.

  The deposit processing means 212 executes management of each record recorded in the virtual account master data storage unit 22 and deposit processing to the head office account based on the message acquired from the automatic teller machine 10. Specifically, the deposit processing means 212 includes an acquisition stage of a deposit request message including a virtual account identifier, an acquisition stage of a withdrawal history, a comparison stage between the withdrawal request amount and the deposit amount, and an update record stage of an available remaining amount Then, each process in the transmission stage of the deposit request message is executed.

  As shown in FIG. 2, the virtual account master data storage unit 22 stores virtual account master data 220 for authenticating the user of the virtual account and managing the available balance. The virtual account master data 220 is recorded when a virtual account that can be used by a sales office is registered. The virtual account master data 220 includes data relating to a virtual account identifier, a virtual account password, a payment limit, a cumulative usage amount, a head office account identifier, a head office account password, and a deposit / withdrawal history.

  In the virtual account identifier data area, data relating to an identifier for specifying a virtual account used by each sales office is recorded. In the present embodiment, the branch code, deposit item code, and account number are used as the account identifier.

In the virtual account password data area, data relating to authentication information (password) for authenticating the use authority of the virtual account is recorded.
In the payment limit data area, data relating to the upper limit of expenses to be paid to the business office using this virtual account is recorded. In this embodiment, this payment limit is the maximum amount that can be used as monthly expenses. In the present embodiment, the payment limit is acquired from a business management system such as an expense management system that records an annual expense plan or a business trip management system that manages business trip expenses. Specifically, the virtual account management server 20b acquires a business office identifier using a conversion table in which a virtual account identifier and a business office identifier are associated with each other, and a predetermined item (expense or business trip expense) in the business office identifier is obtained. ). For example, the expense plan recorded in the expense management system is accessed, and the data related to the planned expense for this month of the user (sales office) associated with the office identifier is acquired. In addition, the virtual account management server 20b acquires data relating to business trip costs approved by the user (employee at the business office) associated with the business office identifier from the business trip management system. Then, the virtual account management server 20b writes the total amount acquired from a predetermined subject (expenses and business trip expenses) related to the sales office in the virtual account master data 220 as a payment limit amount.

  In the accumulated usage amount data area, data relating to the accumulated amount of expenses used by the sales office is recorded with respect to the expense payment limit. In this case, the account balance (available balance) of the virtual account is calculated as an amount obtained by subtracting the accumulated usage amount from the payment limit amount. This accumulated usage amount is updated by withdrawing cash from the virtual account or refunding expenses (refunding the remaining amount). In the present embodiment, since the monthly payment limit is set for expenses, the accumulated usage amount is reset to the initial value (“0”) at the beginning of the month.

  In the head office account identifier data area, data relating to an account identifier for specifying an original account (here, a head office account) associated with the virtual account is recorded. In this embodiment, it is assumed that expenses are paid from this head office account, and sales are credited to this head office account.

  In the head office account code number data area, data relating to authentication information (original account code number) for authenticating authority necessary for using the head office account held by the company is recorded.

  In the deposit / withdrawal history data area, data relating to the history of use of this virtual account is recorded. In this deposit / withdrawal history, the amount is associated with the deposit / withdrawal date and time. Thereby, the virtual account master data storage unit 22 functions as a virtual account use history storage unit.

On the other hand, the cash dispenser 10 connected to the network is a device that stores cash and provides each banking service in response to a user request.
The control unit of the automatic teller machine 10 provides various banking services (such as deposit and withdrawal to a deposit account, transfer, balance inquiry, etc.) by communicating with the bank host system 20.

  The automatic teller machine 10 is provided with a touch panel display, a cash storage unit, a deposit / withdrawal unit, a card storage unit, and a usage statement output unit. Via this touch panel display, information is displayed to the user or an instruction is received from the user. The cash storage unit stores banknotes and coins. In the case of cash withdrawal, the cash stored in the cash storage unit is provided to the user via the deposit / withdrawal unit. On the other hand, in the case of deposit, the cash stored in the deposit / withdrawal unit is stored in the cash storage unit. The card storage unit accommodates the user's cash card and acquires various information from the cash card. The usage statement output unit outputs a statement in which usage details are printed.

The backbone server 20c connected to the automatic teller machine 10 is a bank computer system, and manages data related to the account holder and account balance of an account opened in the bank. The backbone server 20 c includes an account master data storage unit 23. In this account master data storage unit 23, account data relating to a deposit account opened in a bank is recorded. This account data is registered when an account is opened in a financial institution. The account data includes data relating to an account identifier, a personal identification number, account holder information, an account balance, and the like.

In the account identifier data area, data relating to an identifier for specifying an opened account is recorded. This account includes the head office account.
In the personal identification number data area, data relating to a personal identification number for performing user authentication when this account is used is recorded.

In the account holder information data area, data for specifying an account holder related to this account is recorded.
In the account balance data area, data for specifying the balance of the account is recorded.

  In this embodiment, the user uses the cash card 100 shown in FIG. The cash card 100 is provided with two different types of magnetic stripes on the front and back. The first magnetic stripe 110 is “for expenses” and the second magnetic stripe 120 is “for sales receipts”. Then, by separately using the front and back, the processing for expenses and the processing for sales receipt can be performed separately. Specifically, data for specifying the account identifier of the virtual account is recorded in the first magnetic stripe. In this case, it can be used for withdrawal and deposit. On the other hand, data for specifying the account identifier of the head office account is recorded in the second magnetic stripe. Here, a branch number for identifying the holder is set in the second magnetic stripe, and each branch number is added to the account identifier of the head office account and recorded. Furthermore, the second magnetic stripe is recorded with data for setting the deposit only, and is set so that cash cannot be withdrawn from the head office account.

A processing procedure in the case of providing a banking service in the automatic teller machine 10 using the system configured as described above will be described with reference to FIGS.
When the user wishes to withdraw cash from the expense, the automatic teller machine 10 is used. A menu screen is displayed on the touch panel display of the automatic teller machine 10. In this menu screen, selection buttons used when using banking services such as “balance inquiry”, “cash withdrawal”, “cash deposit”, “transfer” and the like are displayed. Here, the expense withdrawal process will be described first, and then the deposit process will be described.

(About expense withdrawal processing)
First, the user presses a “cash withdrawal” selection button on the menu screen displayed on the touch panel display. In this case, the automatic teller machine 10 prompts the user to insert a cash card and outputs a password input screen on the touch panel display.

  Then, the user inserts a cash card into the card storage unit of the automatic teller machine 10. In this case, in order to read the first magnetic stripe, the card surface for “expense” is inserted so as to be read.

In this case, the automatic teller machine 10 reads the card information from the magnetic stripe of the cash card inserted in the card storage unit. In the present embodiment, data for specifying a virtual account identifier is read as card information. If the card for “sales deposit” is erroneously inserted so that it can be read, the automatic teller machine 10 reads the data recorded in the second magnetic stripe. In this case, since the 2nd magnetic stripe is set only for payment, cash withdrawal cannot be performed and the automatic teller machine 10 refuses a transaction.

  Further, the personal identification number is input using the personal identification number input screen output to the touch panel display. In this case, the password of the virtual account given to the sales office is input using the touch panel display.

  Next, the control unit of the automatic teller machine 10 displays a desired withdrawal amount input screen on the touch panel display. In this desired withdrawal amount input screen, an input column for the desired withdrawal amount is provided. Then, the control unit of the automatic teller machine 10 acquires the amount (desired withdrawal amount) set by the user in the withdrawal desired amount input field.

  Then, the automatic teller machine 10 generates a transaction request message (here, a withdrawal request message). This transaction request message is configured using the same format as the message used in normal account management processing, and corresponds to the transaction type (in this case, cash withdrawal) selected by the user. , A personal identification number designation field, and a withdrawal amount designation field. Then, the card information read in the card storage unit and the data related to the personal identification number and the desired withdrawal amount set in the touch panel display are written in the respective fields. Then, the automatic teller machine 10 transmits this transaction request message to the bank host system 20.

  The network unit 20a of the bank host system 20 that has received the transaction request message distributes the process according to the account identifier of the card information recorded in the transaction request message. Specifically, when the transaction request message includes an account identifier of a normal account other than the virtual account, the network unit 20a delivers the transaction request message to the backbone server 20c. In this case, the backbone server 20c provides a normal banking service using the data recorded in the account master data storage unit 23.

On the other hand, when the transaction request message includes the account identifier of the virtual account, the network unit 20a delivers the transaction request message to the virtual account management server 20b.
In this case, the control unit 21 of the bank host system 20 executes deposit or withdrawal identification processing (step S1-1). Specifically, the control unit 21 of the virtual account management server 20b specifies the delivery destination of this message according to the type of request message received by the network unit 20a. In the present embodiment, when a transaction request message “cash withdrawal” is acquired as the transaction type (“withdrawal” in step S <b> 1-1), the transaction request message is delivered to the withdrawal processing unit 211. When the transaction request message “cash deposit” is acquired as the transaction type (in the case of “deposit” in step S1-1), the bank host system 20 executes a deposit process described later (step S1-2). ).

  In the case of the withdrawal process, first, the control unit 21 of the bank host system 20 executes an authentication process (step S1-3). Specifically, the withdrawal processing means 211 of the control unit 21 uses the account identifier included in the transaction request message received from the automatic teller machine 10 to use the virtual account master data 220 from the virtual account master data storage unit 22. To extract. Then, it is confirmed whether or not the virtual account code number included in the virtual account master data 220 matches the code number included in the transaction request message.

  Here, when the virtual account identifier and the virtual account PIN do not match and user authentication is not possible (in the case of “NO” in step S1-4), the withdrawal processing means 211 of the control unit 21 Is output to the touch panel display of the automatic teller machine 10, and the transaction process is terminated (step S1-5).

  On the other hand, in the virtual account master data 220, when the virtual account identifier and the virtual account PIN match and the user authentication is completed (in the case of “YES” in step S1-4), the control unit of the bank host system 20 21 executes an acquisition process of the account balance of the virtual account (step S1-6). Specifically, the withdrawal processing unit 211 of the control unit 21 extracts the virtual account master data 220 of the virtual account that has been authenticated by the user from the virtual account master data storage unit 22, and pays from the virtual account master data 220. Get limits and cumulative usage. Then, the withdrawal processing unit 211 calculates the account balance (available balance) of the virtual account by subtracting the accumulated usage amount from the payment limit amount.

  Next, the bank host system 20 executes an acquisition process for the desired withdrawal amount (step S1-7). Specifically, the withdrawal processing unit 211 of the control unit 21 extracts the desired withdrawal amount from the transaction request message received from the automatic teller machine 10.

  And the control part 21 of the bank host system 20 performs the confirmation process whether a withdrawal desired amount is below the account balance of a virtual account (step S1-8). Specifically, the withdrawal processing unit 211 of the control unit 21 performs confirmation processing by comparing the account balance of the virtual account with the desired withdrawal amount.

  When the withdrawal desired amount exceeds the account balance of the virtual account (in the case of “NO” in step S1-8), the withdrawal processing means 211 of the control unit 21 informs that of the touch panel of the automatic teller machine 10. It outputs to a display and transaction processing is complete | finished (step S1-5).

  On the other hand, if the desired withdrawal amount is equal to or less than the account balance of the virtual account (“YES” in step S1-8), the control unit 21 of the bank host system 20 executes a withdrawal process using the head office account. (Step S1-9). Specifically, the withdrawal processing unit 211 of the control unit 21 acquires the head office account identifier and the head office account PIN recorded in the virtual account master data 220. Then, the withdrawal processing unit 211 sets the head office account identifier and the head office account password in the transaction account specification field and the password specification field of the transaction request message received from the automatic teller machine 10. Then, the withdrawal processing unit 211 transmits the generated transaction request message to the backbone server 20c.

The backbone server 20c that has received the transaction request message executes the same processing as the account management processing in normal use of a cash card.
In this case, the core server 20c stores the account identifier (here, the head office account identifier) and the personal identification number (here, the head office account personal identification number) set in the transaction account designation field and personal identification number designation field of the transaction request message. It is confirmed whether or not it is registered in the master data storage unit 23. In this embodiment, whether or not a company account can be used is authenticated.

Here, when the head office account identifier and the head office account PIN are not registered and authentication is not possible, the transaction is rejected and this is notified to the cash dispenser 10.
On the other hand, if the head office account identifier and the head office account password are registered in the account master data storage unit 23 and authentication is successful, the core server 20c executes balance check processing. Specifically, the core server 20 c acquires data related to the account balance of the deposit account with the authenticated account identifier from the account master data storage unit 23. Then, the backbone server 20c compares the desired withdrawal amount included in the transaction request message with the account balance.

If the desired withdrawal amount is higher than the account balance, the core server 20c stops the transaction process and notifies the cash dispenser 10 of this.
On the other hand, if there is an account balance that is equal to or greater than the desired withdrawal amount, the core server 20c sends a payment permission message to the automated teller machine 10, and the automated teller machine 10 takes out the desired withdrawal amount of cash from the cash storage unit. Provide cash from the deposit / withdrawal department.

  Then, the core server 20c notifies the virtual account management server 20b of the result of the withdrawal process. In the result of the withdrawal process, a flag indicating “withdrawal completed” indicating that the withdrawal process has been completed, or a flag indicating “withdrawal incomplete” indicating that the withdrawal process could not be performed is recorded. The

  Then, the virtual account management server 20b receives the result of the withdrawal process (step S1-10). Here, when the withdrawal processing result including the flag indicating “withdrawal incomplete” is received (in the case of “NO” in step S1-10), the virtual account management server 20b of the bank host system 20 performs the withdrawal. The process ends without performing it. In this case, it is notified that the main server 20c cannot withdraw money to the automatic teller machine 10.

  On the other hand, when the withdrawal processing result including the flag indicating “withdrawal completion” is received (in the case of “YES” in step S1-10), the virtual account management server 20b of the bank host system 20 updates the accumulated usage amount. Processing is executed (step S1-11). Specifically, the withdrawal processing unit 211 of the virtual account management server 20 b adds the current withdrawal desired amount to the accumulated usage amount recorded in the virtual account master data 220. Then, the newly calculated accumulated usage amount is recorded in the virtual account master data 220. Furthermore, the withdrawal processing unit 211 acquires the current date and time from the system timer, and records data relating to the current date and withdrawal amount as a withdrawal history in the virtual account master data 220. Thus, the withdrawal process is completed.

(About deposit processing)
Next, the cash deposit process will be described using the automatic teller machine 10. Here, the user presses the “cash deposit” selection button on the menu screen displayed on the touch panel display. In this case, the automatic teller machine 10 outputs a screen prompting insertion of a cash card on the touch panel display.

  Then, the user inserts a cash card into the card storage unit of the automatic teller machine 10. Here, in the case of refunding cash for expenses, in order to read the first magnetic stripe, the card surface for “expense” is inserted so that it can be read. On the other hand, in the case of depositing sales, in order to read the second magnetic stripe, the card surface for “sales depositing” is inserted so that it can be read.

  In this case, the automatic teller machine 10 reads the card information from the magnetic stripe of the cash card inserted in the card storage unit. In the present embodiment, when the first magnetic stripe is read, data related to the account identifier of the virtual account is acquired, and when the second magnetic stripe is read, the account identifier of the head office account and the account identifier are obtained. Acquire data on the added branch number.

  Furthermore, the cash to be deposited is put into the deposit / withdrawal unit of the automatic teller machine 10. In this case, the deposit / withdrawal unit of the automatic teller machine 10 calculates the amount of the inserted cash and outputs a confirmation screen of the amount on the touch panel display.

When the confirmation input of the amount is performed on the touch panel display, the control unit of the automatic teller machine 10 generates a transaction request message. This transaction request message has the same format as the message used in normal account management processing, and corresponds to the transaction type selected by the user (in this case, cash deposit), the transaction account designation field, the input Includes an amount specification field. Then, the card information read in the card storage unit and the data relating to the deposit amount inserted into the automatic teller machine 10 are written in the respective fields. Further, when the data of the second magnetic stripe is read, the data regarding the branch number is recorded together with the account identifier of the head office account. Then, the automatic teller machine 10 transmits this transaction request message to the bank host system 20.

  The control unit 21 of the bank host system 20 that has received the transaction request message executes a determination process for handling the deposited cash (expense return or sales deposit) (step S2-1). Specifically, the network unit 20a of the bank host system 20 that has received the transaction request message distributes the process according to the account identifier recorded in the transaction account designation field of the card information. Specifically, when the account identifier of a normal account (an account other than a virtual account) is included, the network unit 20a delivers the transaction request message to the backbone server 20c. In the present embodiment, when the account identifier of the head office account is recorded in the transaction account designation field (in the case of “sales receipt” in step S2-1), normal account management processing is executed (step S2). -8). Specifically, the backbone server 20c of the bank host system 20 executes normal deposit processing using data recorded in the account master data storage unit 23. In this deposit history, the branch number of the cash card 100 used for deposit is recorded.

  When the account identifier of the virtual account is recorded in the transaction account designation field, it is determined as “expense return”. In this case (in the case of “expense return” in step S2-1), the network unit 20a of the bank host system 20 delivers the transaction request message to the virtual account management server 20b.

  And the control part 21 of the bank host system 20 performs the acquisition process of a deposit amount (step S2-2). Specifically, the deposit processing means 212 of the control unit 21 extracts the deposit amount from the deposit amount designation field of the received transaction request message.

  Next, the control unit 21 of the bank host system 20 executes a withdrawal history acquisition process (step S2-3). Specifically, the deposit processing unit 212 of the control unit 21 acquires the virtual account master data 220 for the virtual account identifier of the transaction request message received from the automatic teller machine 10 from the virtual account master data storage unit 22. Then, the deposit processing unit 212 acquires the deposit / withdrawal history recorded in the virtual account master data 220. In this case, the deposit processing unit 212 uses the deposit / withdrawal date / time recorded in the deposit / withdrawal history to identify the most recent withdrawal history and acquires the amount.

  Next, the control part 21 of the bank host system 20 performs the confirmation process of the presence or absence of the withdrawal history corresponding to the deposit amount (step S2-4). Specifically, the deposit processing means 212 of the control unit 21 checks whether or not the amount of the acquired withdrawal history is larger than the deposit amount of the transaction request message.

  When it is determined that the withdrawal history amount is smaller than the deposit amount of the transaction request message and there is no withdrawal history corresponding to the deposit amount (in the case of “NO” in step S2-4), control of the bank host system 20 The unit 21 executes a confirmation display process in the automatic teller machine 10 (step S2-5). Specifically, the deposit processing means 212 of the control unit 21 outputs an alarm that the deposited cash is handled as sales because there is no withdrawal history corresponding to the deposited amount on the display of the automatic teller machine 10.

On the other hand, when it is determined that the withdrawal history amount is larger than the deposit amount of the transaction request message and there is a withdrawal history corresponding to the deposit amount (in the case of “YES” in step S2-4), the bank host system 20 The control unit 21 executes an update process of the accumulated usage amount (step S2-6). Specifically, the deposit processing means 212 of the control unit 21 subtracts the deposit amount from the accumulated usage amount of the virtual account master data 220 in order to treat this deposit as a refund of expenses. Then, the deposit processing means 212 records and updates the calculated accumulated usage amount in the virtual account master data 220. Furthermore,
The deposit processing means 212 of the virtual account management server 20b acquires the current date and time from the system timer, and records data regarding the current date and deposit amount as a deposit history in the virtual account master data 220.

  Next, the control unit 21 of the bank host system 20 executes a deposit request process (step S2-7). Specifically, the deposit processing means 212 of the control unit 21 acquires the head office account identifier recorded in the virtual account master data 220. Next, the deposit processing means 212 sets the head office account identifier in the transaction account designation field of the transaction request message. Then, the deposit processing means 212 transmits the generated transaction request message to the backbone server 20c.

  Next, the bank host system 20 executes a deposit process for the head office account (step S2-8). Specifically, the core server 20c that has received the transaction request message executes the same processing as the account management processing in normal use of a cash card. In this case, the core server 20c confirms whether or not the account identifier (here, the head office account identifier) set in the transaction account designation field of the transaction request message is registered in the account master data storage unit 23. Then, the deposit amount is added to the account balance of the specified account (here, the head office account). Thus, the deposit process is finished.

According to this embodiment, the following effects can be obtained.
In the present embodiment, the virtual account master data storage unit 22 stores virtual account master data 220 for authenticating the user of the virtual account and managing the available balance as shown in FIG. Has been. The virtual account master data 220 includes data relating to a virtual account identifier, a virtual account password, a payment limit, a cumulative usage amount, a head office account identifier, a head office account password, and a deposit / withdrawal history. And the control part 21 of the bank host system 20 acquires the account balance of a virtual account (step S1-6), and acquires the withdrawal desired amount (step S1-7). Here, the control unit 21 confirms whether or not the withdrawal desired amount is equal to or less than the account balance of the virtual account (step S1-8), and if the withdrawal desired amount exceeds the account balance of the virtual account, the withdrawal is performed. Not performed (step S1-5). On the other hand, when the desired withdrawal amount is equal to or less than the account balance of the virtual account, the control unit 21 of the bank host system 20 executes a withdrawal process using the head office account. Thereby, withdrawal restrictions for every user can be performed using a virtual account. In particular, since funds for withdrawal are withdrawn from the head office account, the funds can be centrally managed.
Furthermore, since the accumulated usage amount is recorded for each user of the virtual account, the head office can grasp the fund status in real time.

  -In this embodiment, the control part 21 of the bank host system 20 performs an authentication process (step S1-2). Thereby, security can be improved for the use of the virtual account.

  In the present embodiment, when a withdrawal process result including a flag indicating “withdrawal incomplete” is received from the core server 20c, the virtual account management server 20b of the bank host system 20 ends the withdrawal process as it is. . On the other hand, when the withdrawal process result including the flag indicating “withdrawal completion” is received, the virtual account management server 20b of the bank host system 20 executes the process of updating the accumulated usage amount (step S1-11). As a result, when the withdrawal cannot be made due to a shortage of the account balance at the head office, the account balance (available balance) in the virtual account can be maintained as it is.

-In this embodiment, the control part 21 of the bank host system 20 performs the confirmation process of the presence or absence of the withdrawal history corresponding to a deposit amount (step S2-4). If it is determined that the withdrawal history amount is larger than the deposit amount of the transaction request message and there is a withdrawal history corresponding to the deposit amount, the control unit 21 of the bank host system 20 updates the accumulated usage amount. Is executed (step S2-6). As a result, it is possible to manage the original expense as the accumulated use amount of the virtual account and return the expense that has been withdrawn excessively, thereby enabling efficient operation of funds.

  Further, when it is determined that the withdrawal history amount is smaller than the deposit amount of the transaction request message and there is no withdrawal history corresponding to the deposit amount, the control unit 21 of the bank host system 20 uses the automatic teller machine 10. A confirmation display process is executed (step S2-5). In this case, it is not treated as a refund of expenses, and the accumulated usage amount is not reduced. As a result, even when the sales are mistakenly received as a refund of expenses, the withdrawal history can be used to indicate an error and correct it.

  In the present embodiment, the cash card 100 is provided with two different types of magnetic stripes on the front and back sides. Data for specifying the account identifier of the virtual account is recorded in the first magnetic stripe. On the other hand, data for specifying the account identifier of the head office account is recorded in the second magnetic stripe. Here, a branch number for identifying the holder is set in the second magnetic stripe, and each branch number is added to the account identifier of the head office account and recorded. This makes it possible to deposit and withdraw expenses and deposit sales using a single cash card. Therefore, it is possible to improve the convenience for the user and to effectively use the hardware resources.

  In this embodiment, the virtual account management server 20b accesses a business management system such as an expense management system that records an annual expense plan or a business trip management system that manages a business trip expense, and performs predetermined subjects ( Get the amount related to expenses and travel expenses. Then, these amounts are written in the virtual account master data 220 as payment limit amounts. By linking with the business management system in this way, it is possible to manage the payment limit amount in a flexible manner.

In addition, you may change each said embodiment as follows.
In the above embodiment, the withdrawal management is used to provide cash related to expenses to the sales office, but the application is not limited to this. For example, the present invention can be applied to a loan with a limit amount set.

  In addition, this cash card can be limited to use of a debit card service. In this case, the use membership store in the debit card information makes it possible to clarify the purpose of payment and manage the expenses more accurately.

  In the above embodiment, the withdrawal processing unit 211 calculates the account balance (usable remaining amount) of the virtual account by subtracting the accumulated usage amount from the payment limit amount. The method for calculating the available balance is not limited to this, and data relating to the available balance may be recorded in the virtual account master data 220. In this case, the amount obtained by subtracting or adding the available remaining amount to the withdrawal or refund is updated and recorded.

  In the above embodiment, the cash card 100 is provided with two different types of magnetic stripes on the front and back. The first magnetic stripe is “for expenses” and the second magnetic stripe is “for sales receipts”. The form of the cash card to be used is not limited to this, and the “expense” cash card and the “sales deposit” cash card may be separated.

In the above embodiment, data for specifying the account identifier of the virtual account is recorded in the first magnetic stripe, and data for specifying the account identifier of the head office account is recorded in the second magnetic stripe. did. The data recording medium is not limited to a magnetic stripe, and an IC chip can also be used. Thereby, the security of the cash card can be improved. In this case, a magnetic stripe may be used for “sales deposit” data used exclusively for deposit.

  In the above embodiment, the control unit 21 of the bank host system 20 executes a withdrawal history acquisition process (step S2-3). In this case, the deposit processing unit 212 uses the deposit / withdrawal date / time recorded in the deposit / withdrawal history to identify the most recent withdrawal history and acquires the amount. Furthermore, the control unit 21 of the bank host system 20 may be configured to store data related to the refund reference period, and specify the withdrawal history within the refund reference period immediately in step S2-3. Since it is difficult to think about refunding the remaining expenses after the withdrawal, it can be treated as a sales deposit.

  ○ In the above embodiment, the remaining balance (payment limit and cumulative usage amount) is managed for each sales office, but the virtual account grant target is not limited to this, for example, management for each employee It is also possible to do. In this case, a virtual account is assigned to each employee and registered in the virtual account master data 220, and a cash card is provided for each employee. Thereby, the payment limit amount can be managed individually.

  In the above-described embodiment, the payment limit is acquired from a business management system such as an expense management system that records an annual expense plan or a business trip management system that manages travel expenses. Then, the virtual account management server 20b writes these amounts in the virtual account master data 220 as payment limit amounts. Instead of this, when the transfer is made from the head office account to the virtual account, this transfer amount may be added to the payment limit amount. Specifically, when the deposit processing means 212 of the control unit 21 of the bank host system 20 detects the deposit to the virtual account, the virtual account master data storage unit 22 stores the head office account associated with the deposit destination virtual account. Get an identifier. Further, the deposit processing means 212 of the control unit 21 specifies the account identifier of the remittance source account, and collates the remittance source account identifier with the head office account identifier. If the remittance source account identifier is the head office account identifier, the deposit processing means 212 of the control unit 21 adds the transfer amount to the payment limit amount of the virtual account master data 220. Then, the deposit processing unit 212 of the control unit 21 deposits the head office account without updating the accumulated usage amount of the virtual account master data 220. As a result, the funds transferred from the head office account are returned to the head office account via the virtual account, and there is no substantial money transfer, but the payment limit can be changed by this processing.

The system schematic of embodiment of this invention. Explanatory drawing of the data recorded on the virtual account master data storage part. Explanatory drawing of a cash card. Explanatory drawing of the process sequence of this embodiment. Explanatory drawing of the process sequence of this embodiment.

Explanation of symbols

  DESCRIPTION OF SYMBOLS 10 ... Automatic teller machine, 20 ... Bank host system, 20a ... Network part, 20b ... Virtual account management server, 20c ... Core server, 21 ... Control part, 211 ... Deposit processing means, 212 ... Withdrawal processing means, 22 ... Virtual account master data storage unit, 23 ... Account master data storage unit, 100 ... Cash card.

Claims (6)

Control connected to the virtual account master storage means for recording the data for specifying the personal identification number, the original account identifier and the available balance with respect to the virtual account identifier, the backbone system for managing the account, and the automatic teller machine An account management system comprising means,
The control means is
Among the withdrawal request messages received from the automatic teller machine, obtain a withdrawal request message with the virtual account identifier recorded in the virtual account master storage means as the withdrawal account identifier,
Collating the password included in the withdrawal request message with the password recorded in the virtual account master storage means;
If the verification is completed, obtain the available balance recorded in the virtual account master storage means, compare the withdrawal request amount included in the withdrawal request message with the available balance,
If the withdrawal request amount is less than or equal to the available balance, obtain the original account identifier associated with the virtual account identifier;
Send the withdrawal request message in which the withdrawal account identifier of the withdrawal request message is replaced with the original account identifier to the backbone system,
When the withdrawal process in the automatic teller machine is completed with respect to the withdrawal request message, the withdrawal request amount is subtracted from the available remaining amount, and is updated and recorded in the virtual account master storage unit. Account management system. In the virtual account master storage means, data relating to a personal identification number for the original account identifier is further recorded,
When sending a withdrawal request message to the backbone system, the PIN recorded in the withdrawal request message received from the automatic teller machine is replaced with the PIN recorded in the virtual account master storage means. The account management system according to claim 1.   3. The withdrawal request amount included in the withdrawal request message is associated with the virtual account identifier and recorded in a virtual account use history storage unit as a withdrawal history together with a withdrawal request date. Account management system described in. The control means further comprises:
From the automatic teller machine, obtain a deposit request message using the virtual account identifier recorded in the virtual account master storage means as the deposit destination account identifier,
Get the latest withdrawal history recorded in the virtual account usage history storage means,
When the deposit amount recorded in the deposit request message is lower than the withdrawal request amount included in the withdrawal history, the deposit amount is added to the available balance recorded in the virtual account master storage means. , Update the available balance,
4. The account management system according to claim 3, wherein a deposit request message in which the deposit destination account identifier of the deposit request message is replaced with an original account identifier is transmitted to the backbone system.   5. The virtual account master storage means stores data relating to a payment limit amount and an accumulated usage amount, and calculates an available remaining amount from the payment limit amount and the accumulated usage amount. Account management system described in Crab. Control connected to the virtual account master storage means for recording the data for specifying the personal identification number, the original account identifier and the available balance with respect to the virtual account identifier, the backbone system for managing the account, and the automatic teller machine An account management method using an account management system comprising means,
The control means is
Among the withdrawal request messages received from the automatic teller machine, obtain a withdrawal request message with the virtual account identifier recorded in the virtual account master storage means as the withdrawal account identifier,
Collating the password included in the withdrawal request message with the password recorded in the virtual account master storage means;
If the verification is completed, obtain the available balance recorded in the virtual account master storage means, compare the withdrawal request amount included in the withdrawal request message with the available balance,
If the withdrawal request amount is less than or equal to the available balance, obtain the original account identifier associated with the virtual account identifier;
Send the withdrawal request message in which the withdrawal account identifier of the withdrawal request message is replaced with the original account identifier to the backbone system,
When the withdrawal process in the automatic teller machine is completed with respect to the withdrawal request message, the withdrawal request amount is subtracted from the available remaining amount, and is updated and recorded in the virtual account master storage unit. Account management method.

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