JP2008276403A - Information processor, transfer support method and program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To output a transfer fee on each account capable of becoming a transfer source when a user performs transfer. <P>SOLUTION: This information processor supporting the user performing the transfer by use of an agent substitutionally performing business of a plurality of financial institutions has: an opening account storage part storing a plurality of opening account numbers; a transfer request reception part receiving a transfer request designated with a transfer destination account number and a transfer money amount; a balance storage part storing a balance associatively to the opening account number; a transfer source candidate account selection part reading a transfer source candidate account number corresponding to the balance of the transfer money amount or above from the balance storage part; a transfer fee storage part storing the transfer fee associatively to the transfer source candidate account number and the transfer destination account number; and a transfer fee output part reading the transfer fee corresponding to the transfer source candidate account number and the transfer destination account number from the transfer fee storage part, and outputting the read transfer fee associatively to the transfer source candidate account number. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to an information processing apparatus, a transfer support method, and a program.

Users with multiple accounts may transfer funds between accounts. For example, in the system described in Patent Document 1, one of a plurality of accounts is monitored, and transfer processing from another account is performed so as to keep the balance of the account constant.
Japanese Patent Laid-Open No. 2006-243796

  A fee is charged when a user makes a transfer, but the transfer fee varies depending on the financial institution and the time zone. Users often want cheaper fees, but it is cumbersome to check the fees for all accounts.

  The present invention has been made in view of such a background, and when a user makes a transfer, an information processing apparatus and a transfer support method that can output a transfer fee for each account that can be a transfer source. And to provide a program.

  A main invention of the present invention for solving the above-described problem is an information processing apparatus that supports a user who makes a transfer using an agent acting as an agent for a plurality of financial institutions, wherein the user Opening account storage unit that stores opening account numbers indicating multiple opening accounts that are accounts opened at the institution, and a transfer account number and transfer amount that indicates the transfer destination account that is the transfer destination account A transfer request receiving unit that receives a request, a balance storage unit that stores a balance of the opened account in association with the opened account number, and a transfer source candidate account that is the opened account number corresponding to the balance equal to or greater than the transferred amount A transfer source candidate account selection unit that reads a number from the balance storage unit, and a transfer source candidate that is an account indicated by the transfer source candidate account number in association with the transfer source candidate account number and the transfer destination account number Corresponding to the transfer source candidate account number and the transfer destination account number for each transfer fee storage unit for storing the transfer fee when transferring the transfer amount from the account to the transfer account, and the transfer source candidate account number A transfer fee output unit that reads out the transfer fee to be read from the transfer fee storage unit and outputs the read transfer fee in association with the transfer source candidate account number.

  According to the present invention, when a user makes a transfer, it is possible to output a transfer fee for each account that can be a transfer source.

  A transfer support system according to an embodiment of the present invention supports a transfer transaction performed in a bank agent acting on behalf of a bank (financial institution).

  In a general transfer transaction, a fee is generated for transferring a specified transfer amount from an account that is a source of funds to an account that is a transfer destination, and the amount of the fee varies depending on the financial institution.

  In the present embodiment, when the customer makes the transfer, it calculates a fee for the procedure of performing the direct transfer to the account of the fund transfer destination from the customer's account A, and for example, withdraws the transfer amount from the account A, After depositing into another account B, transfer fees from the account B to the funds transfer destination account, such as a procedure that combines various transactions. Present the procedure (hereinafter referred to as fund transfer procedure). Thereby, the customer can transfer money with a cheaper fee by moving the money according to the money transfer procedure with a lower fee.

  In the following description, the transfer process in the present embodiment is referred to as a fee-based fund transfer process in order to distinguish it from a transfer transaction in a general financial institution. Details will be described below.

FIG. 1 is a diagram illustrating an overall configuration of a transfer support system according to the present embodiment.
As shown in the figure, the transfer support system of the present embodiment includes an agent terminal 101 operated by a bank agent that performs bank agency services, and a bank agent backbone that provides various information processing services related to bank agency services. The system 103 includes a financial institution system 104 of a financial institution that has contracted with a bank agent for bank agent business.

  The agent terminal 101 is installed in a bank agency agent. In addition to the agent terminal 101, an ATM (Automated Teller Machine) 105 may be installed in the agent. In the following description, processing using the agent terminal 101 by the agent will be described, but the present invention can also be applied to cases where the customer directly operates the ATM 105.

  Agent terminal 101, bank agent backbone system 103, and financial institution system 104 are connected via communication network 102. The communication network 102 is, for example, the Internet or VAN (Value Added Network), and is constructed by Ethernet (registered trademark), a public telephone line network, a dedicated telephone line network, a frame relay, or the like. In this embodiment, for simplicity, it is assumed that TCP / IP communication is performed on the communication network 102.

  The financial institution system 104 is a computer operated by a financial institution that manages customer accounts. The financial institution system 104 receives a command (hereinafter referred to as a transaction request) for instructing various transactions such as deposit / withdrawal and transfer via the communication network 102, and performs transaction processing such as deposit / withdrawal from the account. Do. Various transaction processes according to transaction requests performed by the financial institution system 104 are the same processes as processes performed according to transaction requests from a customer's personal computer or mobile phone in, for example, Internet banking.

  The bank agent backbone system 103 (corresponding to the information processing apparatus of the present invention) is a computer that transmits a transaction request relating to bank agent business to a financial institution. The bank agent backbone system 103 transmits a transaction request to the financial institution system 104 in response to a processing request from the agent terminal 101.

  FIG. 2 is a diagram illustrating a hardware configuration example of the bank agent backbone system 103. As shown in the figure, the bank agent backbone system 103 includes a CPU 11, a memory 12, a storage device 13, a communication interface 14, an input device 15, and an output device 16.

  The storage device 13 is, for example, a hard disk drive, a CD-ROM drive, or a flash memory that stores various programs and data. The CPU 11 implements various functions by reading the program stored in the storage device 13 into the memory 12 and executing it. The communication interface 14 is an interface for connecting to the communication network 102. For example, an adapter for connecting to Ethernet (registered trademark) or a frame relay, a modem for connecting to a public telephone line network or a dedicated telephone line network, etc. It is. The input device 15 is, for example, a keyboard, a mouse, a touch panel, or the like that accepts data input from a user. The output device 16 is, for example, a display or a printer that outputs data to the user.

  FIG. 3 is a diagram illustrating a software configuration example of the bank agent backbone system 103. As shown in the figure, the bank agent backbone system 103 includes an input screen transmission unit 111, a fund transfer request reception unit 112, a balance fee acquisition request transmission unit 113, a balance fee information reception unit 114, a transfer source candidate selection unit 115, Fund transfer procedure generation unit 116, procedure-specific fee calculation unit 117, procedure selection screen transmission unit 118, fund transfer procedure designation unit 119, transaction verification request transmission unit 120, transaction availability determination unit 121, transaction request transmission unit 122, storage unit 300 It has. The storage unit 300 includes a customer registration account storage unit 310, a handling bank storage unit 320, and a cash transfer fee storage unit 330.

  The handling bank storage unit 320 stores information (hereinafter referred to as handling bank information) indicating the financial institution system of the bank with which the agent has signed a proxy contract. FIG. 4 is a diagram illustrating a configuration example of handling bank information stored in the handling bank storage unit 320. As shown in the figure, the handling bank information includes an address 322 and a daytime time zone 323 in association with the bank name 321.

  The bank name 321 is information for identifying a bank. The address 322 is an address on the communication network 102 of the financial institution system 104 corresponding to the bank indicated by the bank name 321. The bank agent backbone system 103 is the destination of the agency business contract by sending a command (hereinafter referred to as a transaction request) that instructs the address 322 to inquire about a fee and to conduct a transaction, which will be described later. You can get bank fees, customer account balances, and direct bank transactions such as transfers and withdrawals. The daytime time zone 323 indicates a time zone corresponding to “daytime”. In the present embodiment, it is assumed that the bank fee changes during the daytime or at night, and 323 indicates a time zone in which the daytime fee is applied.

  The customer registration account storage unit 310 stores information (hereinafter referred to as registration account information) relating to an account opened by the customer (hereinafter referred to as registration account). FIG. 5 is a diagram illustrating a configuration example of registered account information stored in the customer registered account storage unit 310. As shown in the figure, the registered account information stores a bank name 312, a branch name 313, and an account number 314 in association with the customer name 311. The customer name 311 is information for identifying a customer. The bank name 312 and the branch name 313 are information for identifying the bank where the customer's account is opened and its branch. The account number 314 is information for identifying an account at a bank branch specified by the bank name 312 and the branch name 313. A customer's account is specified by a combination of the bank name 312, the branch name 313, and the account number 314. In the following description, the bank name, branch name, and account number are collectively referred to as account identification information.

  The cash transfer fee storage unit 330 stores a fee for cash transfer (hereinafter simply referred to as “cash transfer”) for each bank. FIG. 6 is a diagram illustrating a configuration example of the cash transfer fee storage unit 330. As shown in the figure, the cash transfer fee storage unit 330 stores a daytime fee 332 and a nighttime fee 333 in association with the bank name 331. The daytime fee 332 is a fee that is charged when cash is transferred in the daytime time zone, and the nighttime fee 333 is a fee that is charged when cash is transferred in a time zone other than the daytime time zone.

  The input screen transmission unit 111 inputs a customer name required for the fee-based fund transfer process, account identification information for specifying an account to which funds are transferred (hereinafter referred to as a transfer destination account), an amount to be transferred, and the like. Data for displaying the screen (hereinafter referred to as input screen data) is transmitted to the agent terminal 101. The input screen data is described by, for example, HTML (HyperText Markup Language) or XML (eXtensible Markup Language).

  The fund transfer request receiving unit 112 receives a command (hereinafter referred to as a fund transfer request) that is transmitted from the agent terminal 101 and requests to perform a fee-based fund transfer. The funds transfer request includes account information (hereinafter referred to as transfer destination account information) indicating the customer name and transfer destination account, and the transfer amount. These are input in the agent terminal 101 via a screen displayed based on the above input screen data, and the fund transfer request is transmitted as, for example, an HTTP (HyperText Transfer Protocol) request.

  The balance fee acquisition request transmission unit 113 transmits a command for acquiring an account balance and a bank fee (hereinafter referred to as a balance fee acquisition request) to the financial institution system 104. Account identification information is set in the balance fee acquisition request. The balance fee acquisition request transmission unit 113 transmits a balance fee acquisition request to the financial institution system 104 for each account opened by the customer, as will be described later.

  The balance fee information receiving unit 114 receives information including the account balance and fee (hereinafter referred to as balance fee information) transmitted from the financial institution system 104 in response to the balance fee acquisition request. A configuration example of the balance fee information is shown in FIG. As shown in the figure, the balance fee information includes a bank name 401, a branch name 402, an account number 403, a balance 404, and a fee 410.

  The bank name 401, the branch name 402, and the account number 403 are account identification information set in the balance fee acquisition request. The balance 404 is an account balance indicated by the account identification information. The fee 410 includes information including a transaction type 411, a daytime fee 412, and a nighttime fee 413 (hereinafter referred to as a transaction-specific fee).

  The transaction type 411 is information indicating the contents of a transaction such as transfer, withdrawal, or deposit. In the present embodiment, it is assumed that the transaction type 411 includes a transaction condition. For example, in the example of FIG. 7, transaction-specific fees for three transfer transactions are included, transfer to an account in the same bank and the same branch, transfer to an account in the same bank but different branch , As well as transaction-specific fees for each transfer to another bank account are included in the fee 410. The daytime fee 412 is a fee when a transaction indicated by the transaction type 411 is performed during the daytime, and the nighttime fee 413 is a fee when the above transaction is performed during the nighttime.

  The transfer source candidate selection unit 115 obtains registered account information indicating that the balance of the customer's registered account is equal to or greater than the transfer amount specified in the fund transfer request (hereinafter referred to as transfer source candidate). Selected as account information (hereinafter referred to as source candidate account information).

  The fund transfer procedure generation unit 116 generates information indicating a fund transfer procedure (hereinafter referred to as transfer procedure information). In the present embodiment, the fund transfer procedure generation unit 116 applies the account established by the customer to a predetermined fund transfer procedure pattern to generate transfer procedure information. FIG. 8 shows four patterns used by the fund transfer procedure generation unit 116. FIG. 8 shows four patterns from pattern 1 to pattern 4. Each pattern includes the order in which transactions are performed (transaction order), transaction type, fund transfer source, fund transfer destination, and transaction. The bank to be instructed (hereinafter referred to as processing bank) is included. When “(cash)” is set in the transfer source or the transfer destination, it indicates that the bank agent performs the transaction using cash.

Pattern 1 is a pattern in which direct transfer is performed from a transfer source account that is a transfer source of funds to a transfer destination account that is a transfer destination of funds. That is, pattern 1 is a transaction pattern for transferring funds by so-called general transfer.
FIG. 9 is a diagram for explaining the flow of transactions performed in accordance with pattern 1.
In pattern 1, first, the bank agent 501 issues a transfer instruction to the fund transfer source bank 502 that manages the transfer source account (S511). The transfer instruction includes transfer source account information indicating an account to be transferred, transfer destination account information indicating a transfer destination account to be transferred, and a transfer amount.
In response to an instruction from the bank agent 501, the fund transfer source bank 502 updates the bank ledger 504 by subtracting the transfer amount from the balance of the transfer source candidate account (S 512), and transfers funds to manage the fund transfer destination account. A transfer request is notified to the destination bank 503 (S513). The transfer request includes the transfer source account information, the transfer destination account information, and the transfer amount.
In response to the transfer request from the fund transfer source bank 502, the fund transfer destination bank 503 updates the bank ledger 505 to add the transfer amount to the balance of the transfer destination account (S514).
The fee for the transaction according to the pattern 1 is a fee of the fund transfer source bank 502 for the transfer based on the transfer instruction (S511) from the bank agent 501.
Pattern 2 withdraws cash from the source account, deposits the withdrawn cash into another account opened by the customer, and transfers the cash from the account once deposited (hereinafter referred to as a relay account) to the destination account. It is a pattern to do.

FIG. 10 is a diagram illustrating the flow of transactions performed according to pattern 2.
In Pattern 2, first, the bank agent 501 instructs the fund transfer source bank 502 to withdraw cash (S521). The cash withdrawal instruction includes account information indicating a transfer source account from which cash is withdrawn and a withdrawal amount.
In response to an instruction from the bank agent 501, the fund transfer source bank 502 updates the bank ledger 504 by subtracting the withdrawal amount from the balance of the transfer source account (S 522).
Next, the bank agent 501 issues an instruction for a cash deposit transaction to the relay bank 506 that manages the relay account (S523). The instruction for the cash deposit transaction includes account information indicating a relay account as a deposit destination and the withdrawal amount as a deposit amount.
In response to an instruction from the bank agent 501, the relay bank 506 adds the deposit amount to the balance of the relay account and updates the bank ledger 507 (S 524).
The bank agent 501 further issues a transfer instruction to the relay bank 506 (S525). The transfer instruction includes account information indicating a relay account as a transfer source account, account information indicating a transfer destination account as a transfer destination, and the withdrawal amount as a transfer amount.
In response to an instruction from the bank agent 501, the relay bank 506 updates the bank ledger 507 by subtracting the transfer amount from the relay account (S 526), and notifies the fund transfer destination bank 503 of the transfer request ( S527).
In response to the transfer request from the relay bank 506, the fund transfer destination bank 503 adds the transfer amount to the balance of the transfer destination account and updates the bank ledger 505 (S528). The transfer request includes account information indicating a relay account as a transfer source, account information indicating a transfer destination account as a transfer destination, and the withdrawal amount as a transfer amount.
The fee for the transaction of the pattern 2 as described above includes the fee of the fund transfer source bank 502 for the withdrawal of cash (S521), the fee of the intermediary bank 506 for the deposit of cash (S523), and the transfer (S525). This is the total amount with the fee of the relay bank 506.

Pattern 3 is a pattern in which cash is withdrawn from the source account and the withdrawn cash is transferred by cash transfer.
FIG. 11 is a diagram for explaining the flow of transactions performed in accordance with pattern 3.
In Pattern 3, first, a cash withdrawal transaction is instructed from the bank agent 501 to the fund transfer source bank 502 (S531). The withdrawal instruction includes account information indicating an account from which cash is withdrawn and a withdrawal amount.
In response to an instruction from the bank agent 501, the fund transfer source bank 502 subtracts the withdrawal amount from the balance of the transfer source account and updates the bank ledger 504 (S 532).
Next, the bank agent 501 instructs the bank that has concluded the contract of the agency business to transfer to the transfer destination account by cash transfer (S533). The cash transfer instruction includes account information indicating a transfer destination account as a transfer destination and the withdrawal amount as a transfer amount.
The bank that has received the cash transfer instruction (hereinafter referred to as “cash transfer bank 508”) notifies the fund transfer destination bank 503 of the transfer request (S534). In response to the transfer request from the cash transfer bank 508, the fund transfer destination bank 503 adds the transfer amount to the balance of the transfer destination account and updates the bank ledger 505 (S535).
The fee for the pattern 3 transaction as described above is the total amount of the fee of the fund transfer source bank 502 for the cash withdrawal transaction (S531) and the fee of the cash transfer bank 508 for the cash transfer transaction (S533). It is.

Pattern 4 is a pattern in which cash is withdrawn from the source account and the withdrawn cash is deposited in the destination account. The transaction according to pattern 4 is performed only when the transferee candidate account and the transferee account have the same name holder.
FIG. 12 is a diagram for explaining the flow of transactions performed in accordance with pattern 4.
In the pattern 4, first, a cash withdrawal transaction is instructed from the bank agent 501 to the fund source bank 502 (S541). The withdrawal transaction instruction includes account information indicating an account from which cash is withdrawn and a withdrawal amount.
In response to the instruction from the bank agent 501, the fund transfer source bank 502 updates the bank ledger 504 by subtracting the withdrawal amount from the balance of the transfer source account (S 542).
Next, the bank agent 501 instructs the funds transfer destination bank 503 to deposit cash withdrawn (S543). The instruction for the cash deposit transaction includes account information indicating a destination account as a cash deposit destination and the withdrawal amount as a deposit amount.
In response to an instruction from the bank agent 501, the fund transfer destination bank 503 adds the deposit amount to the balance of the transfer destination account and updates the bank ledger 505 (S 544).
The fee for the transaction of the pattern 4 as described above includes the fee of the fund transfer source bank 502 for withdrawal of cash from the transfer source account (S541) and the transfer of funds for deposit of cash to the transfer destination account (S543). This is the total with the fee of the previous bank 503.

  The fund transfer procedure generation unit 116 applies the transfer source candidate account information selected by the transfer source candidate selection unit 115 to the “transfer source account” in each pattern of FIG. 8, and transfers the funds transfer request to the “transfer destination account”. The transfer destination account information included in the transfer account information is applied, and the transfer account information is generated by applying each of the registered account information corresponding to the customer name included in the funds transfer request to the “relay account”. Further, the addresses of the financial institution system 104 corresponding to the source account, the destination account, and the relay account are assigned to “source bank”, “target bank”, and “relay bank” in each pattern of FIG. The address of the financial institution system 104 corresponding to the transfer source account, the transfer destination account or the relay account handles the address 322 corresponding to the bank name included in the account information indicating the transfer source account, the transfer destination account or the relay account. It can be acquired by reading from 320. The “contract bank” is an address corresponding to the bank with which the agent has a contract. The address corresponding to the bank with which the agent has a contract can be obtained by reading the address 322 registered in the handling bank storage unit 320. Details of the transfer procedure information generation process by the fund transfer procedure generator 116 will be described later.

The procedure-specific fee calculation unit 117 calculates a fee when funds are transferred from the transfer source candidate account to the transfer destination account according to the procedure indicated by the transfer procedure information generated by the fund transfer procedure generation unit 116 based on the balance fee information. calculate.
The procedure selection screen transmission unit 118 displays a list of the transfer procedure information and the fees calculated by the procedure-specific fee calculation unit 117 in association with each other, and displays data for displaying a screen for accepting the selection of the fund transfer procedure (hereinafter, procedure). The selection screen data is transmitted to the agent terminal 101. In agent terminal 101, based on the procedure selection screen data, a list of funds transfer procedure information and fees is displayed, and one of the displayed funds transfer procedure information is selected.
The fund transfer procedure designating unit 119 receives information (hereinafter referred to as procedure ID) indicating the funds transfer procedure information selected from the screen based on the procedure selection screen data from the agent terminal 101.

  The transaction verification request transmission unit 120 is a command for inquiring whether or not the transaction type funds transfer from the transfer source to the transfer destination is possible for each of the transaction information included in the funds transfer procedure information indicated by the received procedure ID (hereinafter referred to as a transaction). Is transmitted to the financial institution system 104. In this embodiment, depending on the type of transaction, depending on the type of transaction, the transaction can be performed only in a predetermined time zone, or the upper limit of the amount that can be transacted per day is set. As described above, by transmitting the transaction verification request to the financial institution system 104, it is verified in advance whether all transactions according to the funds transfer procedure are possible. Note that this verification process may be omitted.

Based on the response from the financial institution system 104 to the transaction verification request, the transaction availability determination unit 121 confirms that all transactions according to the funds transfer procedure information can be performed.
The transaction request transmitting unit 122 determines that each transaction information included in the fund transfer procedure information from the source in the order of transaction when the transaction possibility determination unit 121 determines that all transactions according to the fund transfer procedure information can be performed. A command (hereinafter referred to as “transaction request”) instructing the transfer destination to transfer funds according to the transaction type is transmitted to the financial institution system 104 to perform an actual fund transfer transaction. For example, in transactions such as cash withdrawal and deposit, various processes are performed in addition to the transmission of transaction requests, but the description thereof is omitted here.

== Fund transfer processing by fee ==
Hereinafter, a fee-based fund transfer process in the transfer support system of the present embodiment will be described. FIG. 13 is a diagram for explaining the flow of the fee-based funds transfer process.

  First, the agent terminal 101 displays a menu screen 601 including various menus, and accepts a menu selection from the menu screen 601. When the agent terminal 101 accepts the selection of “cash transfer by fee”, the agent terminal 101 transmits a message indicating that the transaction of the fund transfer is started to the bank agent backbone system 103 (S611).

  In response to the message from the agent terminal 101, the bank agent backbone system 103 transmits screen data for displaying an input screen 602 for inputting information necessary for the fee-based funds transfer process (S612). The agent terminal 101 displays an input screen 602 and receives input of a customer name, a destination account, and a transfer amount via the displayed input screen 602.

  In addition, for the input of the transfer destination account, for example, accounts that are candidates for funds transfer destinations are registered in advance for each customer, the accounts are displayed in a list on the input screen 602, and selected from the displayed accounts. Alternatively, the account information indicating the destination account may be read from a recording medium such as a magnetic card or IC card that records the account information, or input from a keyboard, touch panel, mouse, or the like. Also good. Alternatively, a plurality of account information may be recorded on a magnetic card or an IC card, the account information may be read and displayed in a list on the input screen 602, and one of the displayed account information may be selected.

When the transfer destination account and transfer amount are input on the input screen 602, the agent terminal 101 transmits a fund transfer request including the input customer name, transfer destination account, and transfer amount to the bank agent backbone system 103.
Upon receipt of the fund transfer request transmitted from the agent terminal 101, the bank agent backbone system 103 performs transfer procedure information generation processing described later (S614). In the movement procedure information generation process, a process of acquiring balance fee information from the financial institution system 104 is performed (S615).
An example of the movement procedure information generated in S614 is shown in FIG. As shown in the figure, the movement procedure information includes transaction information indicating one or more transaction procedures in association with a procedure ID for identifying the movement procedure information, and a transaction fee indicating the total fee for each transaction. And are included. The transaction information includes transaction order, transaction type, account information indicating the transfer source of funds, account information indicating the transfer destination of funds, and a processing bank indicating the address of the financial institution system 104 to which a command instructing the transaction is transmitted. Is included.

The agent terminal 101 displays a fund transfer route selection screen 603 based on the screen data received from the bank agent backbone system 103. When one piece of travel route information is selected from the selection screen 603, a procedure ID for identifying the selected travel route information is transmitted to the bank agent backbone system 103 (S616).
The bank agent backbone system 103 verifies whether or not a transaction according to the funds transfer procedure is possible (S617). In the verification process of the funds transfer transaction, an inquiry is made as to whether or not the financial institution system 104 can perform the transaction (S618).
If the transaction according to the funds transfer procedure is possible, the bank agent backbone system 103 transmits a transaction request to the financial institution system 104 by a funds transfer process described later (S619), and the financial institution system 104 receives the transaction request. The process according to is performed (S620).
The bank agent backbone system 103 transmits screen data for displaying the transaction processing result to the agent terminal 101 (S621), and the agent terminal 101 displays the screen 604. The screen 604 displays the registered account of the customer who has transferred the funds, the transfer destination account, the transfer amount, and the fee.
Hereinafter, each process will be described.

== Procedure fee calculation processing ==
FIG. 15 is a diagram illustrating the flow of the procedure fee calculation process.
First, the bank agent backbone system 103 performs a transfer source candidate account selection process to be described later (S701).
When there is one or more registered account information selected as the transfer source candidate account (S702: YES), the bank agent backbone system 103 performs a transfer procedure information generation process described later (S703).
The bank agent backbone system 103 sorts the movement procedure information in ascending order of fees (S704), and generates screen data for displaying an input screen using the sorted movement procedure information as an option (S705).
On the other hand, when there is no registered course information selected as the transfer source candidate account (S702: NO), the bank agent backbone system 103 has no account as the transfer source of funds of the transfer amount included in the transfer request. The screen data for displaying the message indicating is generated (S706).

== Selection process of source candidate account ==
FIG. 16 is a diagram showing a flow of a transfer source candidate account selection process in S701 of the procedure fee calculation process of FIG.
The transfer source candidate selection unit 115 reads the registered account information corresponding to the customer registration included in the fund transfer request from the customer registered account storage unit 310 (S721). The following processing is performed for each of the read registered account information.
The balance fee acquisition request transmission unit 113 acquires the address 322 corresponding to the bank name 312 of the registered account information from the handling bank storage unit 320 (S722), and sends the branch to the financial institution system 104 indicated by the acquired address 322. The balance fee acquisition request in which the name 313 and the account number 314 are set is transmitted (S723). The financial institution system 104 responds with the balance fee information in response to the balance fee acquisition request (S724). The balance fee information receiving unit 114 receives the balance fee information transmitted from the financial institution system 104 (S725), and if the balance 404 included in the received balance fee information is greater than or equal to the transfer amount included in the fund transfer request. (S726: YES), the registered account information is selected as a source candidate account (S727).
By repeating the above processing, zero or one or more registered account information is selected as a transfer source candidate account.

== Movement procedure information generation process ==
The flow of the movement procedure information generation process is shown in FIG.
First, the fund transfer procedure generation unit 116 generates transfer procedure information for the pattern 1 for direct transfer from the transfer source account to the transfer destination account (S741). The flow of the movement procedure information generation process for pattern 1 is shown in FIG.
The fund transfer procedure generation unit 116 performs the following processing for each transfer source candidate account.

The fund transfer procedure generation unit 116 reads an address 322 (hereinafter referred to as a transfer source address) and a daytime time zone 323 corresponding to the bank name included in the transfer source candidate account information from the handling bank storage unit 320 (S761).
The fund transfer procedure generation unit 116 applies the transfer source candidate account information to the “transfer source account” for the pattern 1 shown in FIG. 8 (S762), and sets the transfer destination account information included in the transfer request to the “transfer destination”. It is applied to “account” (S763), the transfer source address is applied to “transfer source bank” (S764), and transfer procedure information is generated (S765).
The fund transfer procedure generation unit 116 assigns a new procedure ID to the generated transfer procedure information (S766).

Next, the procedure fee calculation unit 117 acquires a transfer fee when the transfer amount included in the fund transfer request is transferred from the transfer source candidate account to the transfer destination account at the current date and time (S767). For example, the procedure-specific fee calculation unit 117 determines whether the current date and time is within the daytime time zone based on the current date and time and the daytime time zone 323, and is included in the balance fee information corresponding to the transfer source candidate account. The daytime fee 412 or the nighttime fee 413 corresponding to the transfer transaction and the transfer destination account is acquired as the transfer fee.
FIG. 19 shows how fees are charged for the funds transfer procedure according to pattern 1 in S767 to S768. As shown in the figure, for each transfer source candidate account, the per-procedure fee calculation unit 117 displays a transfer fee for transferring the transfer amount from the transfer source candidate account to the transfer destination account, and a transfer fee 901 for transfer procedure information. Calculate as
The procedure fee calculation unit 117 sets the transfer fee as a fee for the generated transfer procedure information (S768).
By repeating the above processing, transfer procedure information related to pattern 1 is generated for each transfer source candidate account selected by the transfer source candidate selection unit 115.
When the transfer procedure information for the pattern 1 is generated in this way (FIG. 17: S742), the fund transfer procedure generation unit 116 generates the transfer procedure information for the pattern 2 (S743). FIG. 20 is a diagram illustrating a flow of the generation process of the movement procedure information for the pattern 2.

  The fund transfer procedure generation unit 116 reads account information (hereinafter referred to as registration account information) corresponding to the customer name included in the fund transfer request from the customer registration account storage unit 310 (S781), and transfers source candidate account information and registration. The following processing is performed for each combination of account information.

The fund transfer procedure generation unit 116 reads an address 322 (hereinafter referred to as “source address”) and daytime time zone 323 (hereinafter referred to as “source intermediate time zone”) corresponding to the source candidate account (S782), and a registered account. The address (hereinafter referred to as a relay address) 322 and the daytime time zone 323 (hereinafter referred to as the relay daytime zone) corresponding to the bank name included in is read (S783).
The fund transfer procedure generation unit 116 applies the transfer source candidate account information to the “transfer source bank” for the pattern 2 shown in FIG. 8 (S784), applies the registered account to the “relay account” (S785), and requests the transfer of funds. The transfer destination account information included in is applied to the “transfer account” (S786), the transfer source address is applied to the “relay account” (S787), the relay address is applied to the “relay bank” (S788), and transfer procedure information Is generated (S789).
The fund transfer procedure generation unit 116 assigns a new procedure ID to the generated transfer procedure information (S790).
The fund transfer procedure generation unit 116 obtains a withdrawal fee required when withdrawing cash of the transfer amount included in the fund transfer request from the transfer source candidate account at the current date and time (S791). For example, based on the current date and the transfer source intermediate time zone, the fund transfer procedure generation unit 116 determines whether the current date and time is the daytime fee 412 or the nighttime fee 413 corresponding to the withdrawal transaction from the fee 410 corresponding to the fund transfer source bank. As a withdrawal fee.

Next, the procedure fee calculation unit 117 acquires a deposit fee for a cash deposit transaction to the registered account at the current date and time (S792). For example, the procedure fee calculation unit 117 determines whether or not the current date and time is a daytime time zone corresponding to the relay bank based on the current date and time and the relay daytime time zone, and balance fee information corresponding to the relay account is determined. The daytime fee 412 or the nighttime fee 413 corresponding to the deposit transaction is acquired as the deposit fee from the fee 410 included in the transaction.
The procedure fee calculation unit 117 acquires the transfer fee from the registered account to the destination account at the current date and time (S793). The fund transfer procedure generation unit 116 acquires the daytime fee 412 or the nighttime fee 413 corresponding to the transfer transaction and the transfer destination account as the transfer fee from the fee 410 included in the balance fee information corresponding to the relay bank.
The procedure fee calculation unit 117 adds up the withdrawal fee, deposit fee, and transfer fee to obtain the fee for the generated transfer procedure information (S794).

FIG. 21 shows a state in which the fee for the funds transfer procedure according to pattern 2 is calculated in S791 to S794. As shown in the figure, the procedure fee calculation unit 117 acquires a withdrawal fee 911 for each of the transfer source candidate accounts, acquires a deposit fee 912 and a transfer fee 913 for each of the registered accounts, and transfers the transfer source candidate account. For each combination of the registered account, the withdrawal fee 911 from the transfer source candidate account, the deposit fee 912 to the registered account, and the transfer fee 913 from the registered account to the transfer destination account are totaled, and a transfer fee 914 for the transfer procedure information Is calculated.
By repeating the above processing, transfer procedure information related to the transaction according to pattern 2 is generated for each transfer source candidate account selected by the transfer source candidate selection unit 115.

  When the transfer procedure information for the pattern 2 is generated as described above (FIG. 17: S743), the fund transfer procedure generation unit 116 generates the transfer procedure information for the pattern 3 (S744). The flow of the movement procedure information generation process for pattern 3 is shown in FIG.

  The fund transfer procedure generation unit 116 reads the bank name 321, address 322, and daytime time zone 323 stored in the handling bank storage unit 320 as the contracted bank name, contract bank address, and contract daytime time zone (S801). The fund transfer procedure generation unit 116 performs the following processing for each combination of the transfer source candidate account and the contracted bank address.

The fund transfer procedure generation unit 116 reads the address 322 and the daytime time zone 323 corresponding to the bank name included in the transfer source candidate account as the source address and the source daytime time zone (S802).
The fund transfer procedure generation unit 116 transmits a balance fee acquisition request to the contracted bank address (S803), and receives balance fee information transmitted from the financial institution system 104 in response to the balance fee acquisition request (S804).
The fund transfer procedure generation unit 116 applies the transfer source candidate account to the “transfer source bank” for the pattern 3 shown in FIG. 8 (S805), and applies the transfer destination account included in the fund transfer request to the “transfer destination account”. (S806) The transfer source address is applied to the “transfer source address” (S807), the contract bank address is applied to the “contract bank” (S808), and transfer procedure information is generated (S809).
The fund transfer procedure generation unit 116 assigns a new procedure ID to the generated transfer procedure information (S810).

Next, the procedure fee calculation unit 117 acquires a withdrawal fee when the transfer amount cash included in the fund transfer request is withdrawn from the transfer source candidate account on the current date and time (S811). The fee calculation unit 117 by procedure determines, for example, whether the current date and time is within the daytime time zone corresponding to the source candidate account based on the current date and source intermediate time zone, and corresponds to the source candidate account. The daytime fee 412 or nighttime fee 413 corresponding to the withdrawal transaction is acquired as the withdrawal fee from the fee 410 included in the balance fee information.
The procedure fee calculation unit 117 acquires a daytime fee or a nighttime fee corresponding to the contracted bank name as a cash transfer fee from the cash transfer fee storage unit 330 according to the current date and time (S812). The sum with the transfer fee is calculated as a fee for the movement procedure information (S813).
By repeating the above processing, for each of the transfer source candidate accounts selected by the transfer source candidate selection unit 115, transfer procedure information related to the transaction according to the pattern 3 is generated and the fee is calculated.

  FIG. 23 shows a state in which the fee for the funds transfer procedure according to pattern 3 is calculated in S811 to S813. As shown in the figure, the procedure-specific fee calculation unit 117 acquires a withdrawal fee 921 for each transfer source candidate account, acquires a cash transfer fee 922 for each contract bank, and transfers the transfer source candidate account and the contract. For each combination of banks, the withdrawal fee 921 from the transfer source candidate account and the cash transfer fee from the contracted bank are totaled to calculate a fee 923 for the transfer procedure information.

  When the transfer procedure information for the pattern 3 is generated as described above (FIG. 17: S744), the fund transfer procedure generation unit 116 then includes the customer name and transfer destination account information included in the fund transfer request. It is determined whether or not a record corresponding to is stored in the customer registration account storage unit 310 (S745). If registered, that is, if the destination account is also an account opened by the customer (S745: YES), movement procedure information for the pattern 4 is generated (S746). FIG. 24 is a diagram showing a flow of the movement procedure information generation process for the pattern 4.

  First, the fund transfer procedure generation unit 116 uses the address 322 and the daytime time zone 323 corresponding to the bank name of the destination account included in the fund transfer request as the destination address and the destination daytime time zone from the handling bank storage unit 320. Obtain (S821). The procedure fee calculation unit 117 acquires the deposit fee when depositing the transfer amount of cash included in the fund transfer request at the current date and time in the transfer destination candidate account (S822). The fee calculation unit 117 by procedure determines, for example, whether or not the current date and time is a daytime time zone corresponding to the fund transfer destination bank based on the current date and the transfer destination daytime time zone, and corresponds to the destination account information. The daytime fee 412 or the nighttime fee 413 corresponding to the deposit transaction is acquired as the deposit fee from the fee 410 included in the balance fee information.

The following processing is repeated for each source candidate account.
The fund transfer procedure generation unit 116 acquires the handling bank storage unit 320 using the address 322 and the daytime time zone 323 corresponding to the bank name of the source candidate account as the source address and source intermediate time zone (S822).
The fund transfer procedure generation unit 116 applies the transfer source candidate account information to the “transfer source bank” (S823), applies the transfer destination account information included in the transfer request to the “transfer destination account” (S824), and the transfer source address. Is applied to the “source bank” (S825), the destination address is applied to the “target bank” (S826), and transfer procedure information based on the pattern 4 is generated (S827).
The fund transfer procedure generation unit 116 assigns a new procedure ID to the generated transfer procedure information (S828).

Next, the procedure fee calculation unit 117 acquires a withdrawal fee when the transfer amount of cash included in the fund transfer request is withdrawn from the transfer source candidate account at the current date and time (S829). The fee calculation unit 117 by procedure determines, for example, whether or not the current date and time is within the daytime time zone corresponding to the fund source bank based on the current date and time and the source daytime zone, and corresponds to the source candidate account The daytime fee 412 or the nighttime fee 413 corresponding to the withdrawal transaction is acquired as the withdrawal fee from the fee 410 included in the balance fee information.
The procedure fee calculation unit 117 adds the deposit fee to the acquired withdrawal fee to obtain a fee for the transfer procedure information (S830).

FIG. 25 shows how fees are charged for the funds transfer procedure according to pattern 4 in S830, S829, and S830. As shown in the figure, the procedure fee calculation unit 117 acquires a deposit fee 931 for the transfer destination account, acquires a withdrawal fee 932 for each of the transfer source candidate accounts, and stores the transfer source account and transfer destination account. For each combination, the withdrawal fee 932 from the migration source candidate account and the deposit fee 931 to the migration destination account are totaled to calculate a fee 933 for the migration procedure information.
By repeating the above processing, transfer procedure information about the funds transfer procedure according to the pattern 4 is generated.

== Verification process ==
FIG. 26 is a diagram showing a flow of processing for verifying whether or not a transaction can be performed according to the funds transfer procedure designated by the customer. 26 is executed when the fund transfer procedure designating unit 119 receives a procedure ID from the agent terminal 101.

  The transaction verification request transmitting unit 120 includes, for each transaction information included in the transfer procedure information indicated by the procedure ID received by the fund transfer procedure specifying unit 119 from the agent terminal 101, a transaction type, a transfer source, and a transfer source included in the transaction information. A transaction verification request in which the transfer destination and the transfer amount included in the fund transfer request are set is transmitted to the financial institution system 104 (S841), and the transaction transmitted from the financial institution system 104 in response to the transaction verification request is possible. Is received (S842). Based on the response received from the financial institution system 104, the transaction availability determination unit 121 determines whether or not the transaction indicated by the transaction information is possible (S843), and if it is determined that the transaction is not possible (S843: NO) ), It is determined that the transaction according to the money transfer procedure designated by the customer is not possible (S844), and the process is terminated.

== Transaction processing ==
FIG. 27 is a diagram illustrating a flow of processing for performing a transaction according to the funds transfer procedure.
The transaction request transmission unit 122 sends a message including the fee included in the transfer procedure information specified by the customer, the transfer source of the first transaction information, the transfer destination account and the transfer amount included in the fund transfer request. (S861), for each transaction information included in the transfer procedure information, a transaction request in which the transaction type of the transaction information, the transfer source and transfer destination, and the transfer amount included in the fund transfer request are set The information processing bank transmits the information to the financial institution system 104 (S862). The transaction request transmission unit 122 receives a transaction result corresponding to the transaction information from the financial institution system 104, and adds the received transaction result to the message.
The transaction request transmission unit 122 generates screen data for displaying the message created as described above (S864).

  As described above, the transfer support system according to the present embodiment can select an account with a balance equal to or greater than the transfer amount from among the accounts opened by the customer as the transfer source candidate account when the customer makes the transfer. it can. Therefore, it is possible to issue a transfer instruction without specifying the transfer source account. Therefore, the customer can instruct the transfer without confirming the balance of his / her account.

  In addition, the transfer support system of the present embodiment generates a plurality of transfer procedure information including a procedure for transferring the money of the transfer amount from the transfer source candidate account to the transfer destination account and the fee according to the patterns 1 to 4, and Can be presented. The amount of the transfer fee varies depending on the financial institution, and the amount varies depending on the balance of the account, the time zone of the transaction, the destination of the transfer source account and the transfer destination account. Therefore, the customer or the agent can check whether there is a procedure with a lower fee by referring to the output of the transfer support system, and if there is a cheap procedure, the funds can be transferred accordingly.

  For example, the transfer support system according to the present embodiment is not limited to the transfer fee according to the procedure of direct transfer from the transfer source candidate account to the transfer destination account (Pattern 1), but once the cash is withdrawn from the transfer source candidate account, Deposits into a bank account and transfers from the account to the bank transfer (Pattern 2), withdrawals from the transfer source candidate account for cash transfer (Pattern 3), transfer from the transfer source candidate account The fee according to the procedure (Pattern 4) for depositing cash into the bank account can also be output.

  Generally, withdrawal fees and deposit fees are often cheaper than transfer fees, so if there is a large difference in transfer fees between accounts, funds are transferred once to another account, even via withdrawal or deposit. It may be cheaper to make a transfer or cash transfer afterwards. Moreover, when cash can be deposited in the bank account, the fee can be further reduced.

  It is also possible to deposit cash withdrawn from one financial institution's account in another financial institution at the same place by conducting transactions using agents that represent the operations of multiple banks. is there.

  In the present embodiment, the transaction according to the pattern 4 is possible only when the name of the transfer source candidate account is the same as that of the transfer destination account. However, if the holder of the destination account is given a proxy right for depositing cash into the destination account, even if the holder is different, the transaction should be made according to pattern 4. Also good.

  Although the present embodiment has been described above, the above embodiment is intended to facilitate understanding of the present invention and is not intended to limit the present invention. The present invention can be changed and improved without departing from the gist thereof, and the present invention includes equivalents thereof.

It is a figure which shows the whole structure of the transfer assistance system which concerns on this embodiment. It is a figure which shows the hardware structural example of the bank agent core system 103. It is a figure which shows the example of a software structure of the bank agent core system 103. It is a figure which shows the structural example of handling bank information. It is a figure which shows the structural example of registration account information. It is a figure which shows the structural example of the cash transfer commission memory | storage part 330. FIG. It is a figure which shows the structural example of balance commission information. It is a figure which shows four patterns which the fund transfer procedure production | generation part 116 uses. It is a figure explaining the flow of dealings performed according to pattern 1. FIG. It is a figure explaining the flow of the transaction performed according to the pattern 2. FIG. It is a figure explaining the flow of the transaction performed according to the pattern 3. FIG. It is a figure explaining the flow of the transaction performed according to the pattern 4. FIG. It is a figure for demonstrating the flow of the money transfer process according to a fee. It is a figure which shows an example of movement procedure information. It is a figure which shows the flow of the fee calculation process according to a procedure. It is a figure which shows the flow of a selection process of a transfer origin candidate account. It is a figure which shows the flow of a production | generation process of movement procedure information. It is a figure which shows the flow of the movement procedure information generation process about the pattern 1. FIG. It is a figure which shows a mode that the fee concerning a money transfer procedure according to the pattern 1 is calculated. FIG. 10 is a diagram showing a flow of generation processing of movement procedure information for pattern 2. It is a figure which shows a mode that the fee concerning a money transfer procedure according to the pattern 2 is calculated. FIG. 10 is a diagram illustrating a flow of generation processing of movement procedure information for pattern 3. It is a figure which shows a mode that the fee concerning a money transfer procedure according to the pattern 3 is calculated. FIG. 10 is a diagram showing a flow of generation processing of movement procedure information for pattern 4. It is a figure which shows a mode that the fee concerning a money transfer procedure according to the pattern 4 is calculated. It is a figure which shows the flow of the process which verifies the propriety of the transaction according to the money transfer procedure designated by the customer. It is a figure which shows the flow of the process which performs the transaction according to the fund transfer procedure.

Explanation of symbols

11 CPU 12 Memory 13 Storage device 14 Communication interface 15 Input device 16 Output device 101 Agent terminal 102 Communication network 103 Bank agent core system 104 Financial institution system 105 ATM 111 Input screen transmitter 112 Fund transfer request receiver 113 Balance fee acquisition Request transmission unit 114 Balance fee information reception unit 115 Source candidate selection unit 116 Fund transfer procedure generation unit 117 Procedure-specific fee calculation unit 118 Procedure selection screen transmission unit 119 Fund transfer procedure specification unit 120 Transaction verification request transmission unit 121 Transaction availability determination unit 122 Transaction Request Transmission Unit 300 Storage Unit 310 Customer Registered Account Storage Unit 320 Handling Bank Storage Unit 330 Cash Transfer Fee Storage Unit 311 Customer Name 312 Bank Name 313 Branch Name 314 Account Number 321 Bank Name 322 Address 323 Daytime During period 331 the bank name 332 day fee 333 night fee 401 bank name 402 branch name 403 account number 404 balance 410 fee 411 transaction type 412 day fee 413 night fee

Claims (17)

An information processing device that supports a user who makes a transfer using an agent that represents the business of a plurality of financial institutions,
An opening account storage unit that stores opening account numbers indicating a plurality of opening accounts that are accounts opened by the user in the financial institution;
A transfer request reception unit that receives a transfer request in which a transfer destination account number indicating a transfer destination account and a transfer amount are specified,
A balance storage unit for storing a balance of the opening account in association with the opening account number;
A transfer source candidate account selection unit that reads from the balance storage unit a transfer source candidate account number that is the opening account number corresponding to the balance equal to or greater than the transfer amount;
In association with the transfer source candidate account number and the transfer destination account number, stores a transfer fee when transferring the transfer amount from the transfer source candidate account which is an account indicated by the transfer source candidate account number to the transfer destination account A transfer fee storage section to
For each of the transfer source candidate account numbers, the transfer fee corresponding to the transfer source candidate account number and the transfer destination account number is read from the transfer fee storage unit, and the read transfer fee is set as the transfer source candidate account number. A transfer fee output section to output in correspondence;
An information processing apparatus comprising: The information processing apparatus according to claim 1,
It is connected to a financial institution system that manages an account opened in the financial institution so as to be able to communicate,
A balance acquisition request transmission unit that transmits a balance acquisition request that is a command for requesting a balance, including the transfer source candidate account number, to the financial institution system;
A balance receiving unit that receives the balance transmitted from the financial institution system in response to the balance acquisition request, and stores the received balance in the balance storage unit in association with the transfer source candidate account number;
An information processing apparatus comprising: The information processing apparatus according to claim 1,
It is connected to a financial institution system that manages an account opened in the financial institution so as to be able to communicate,
A transfer fee acquisition request transmission unit that transmits a transfer fee acquisition request for acquiring the transfer fee to the financial institution system, including the transfer source candidate account number, the transfer destination account number, and the transfer amount;
The transfer fee storage unit that receives the transfer fee transmitted from the financial institution system in response to the transfer fee acquisition request and associates the received transfer fee with the transfer source candidate account number and the transfer destination account number. The transfer fee receiving part memorized in
An information processing apparatus comprising: The information processing apparatus according to claim 1,
The transfer fee storage unit stores the transfer fee in the case of transferring the transfer amount from the established account to the transfer destination account in association with the established account number and the transfer destination account number,
A withdrawal fee storage unit for storing a withdrawal fee in the case of withdrawing the transfer amount from the deposit source candidate account in association with the deposit source candidate account number;
A deposit fee storage unit that stores a deposit fee associated with depositing the transfer amount in the established account in association with the established account number;
For each of the transfer source candidate account number and the opened account number, first procedure information including a transaction type indicating the transfer source candidate account number and a withdrawal transaction, and the transaction type indicating the opened account number and a deposit transaction. Second procedure information including, third procedure information including the opened account number, the transfer destination account number and the transaction type indicating the transfer transaction, the withdrawal fee from the transfer source candidate account, to the opened account A transaction fee output unit that outputs the deposit fee and a transaction fee that is a total of the transfer fee from the opening account to the transfer destination account,
An information processing apparatus comprising: The information processing apparatus according to claim 4,
It is connected to a financial institution system that manages an account opened in the financial institution so as to be able to communicate,
A use account number input unit that accepts input of the transfer source candidate account number and the opening account number;
A withdrawal request, which is a command for instructing to conduct a withdrawal transaction, including the first procedure information corresponding to the inputted transfer source candidate account and the opened account number and the transfer amount is transmitted to the financial institution system. A withdrawal request transmission unit;
Sending a deposit request, which is a command instructing to perform a deposit transaction, including the second procedure information and the transfer amount corresponding to the inputted transfer source candidate account and the opened account number to the financial institution system A deposit request transmitter,
A transfer request, which is a command for instructing to perform a transfer transaction, including the third procedure information and the transfer amount corresponding to the input candidate bank account and the opened account number is transmitted to the financial institution system. A transfer request transmitter,
An information processing apparatus comprising: The information processing apparatus according to claim 5,
A first transaction verification request that is a command for inquiring whether a transaction is possible, including the transaction type indicating the transfer source candidate account number, the transfer amount and a cash withdrawal transaction; and the opening account number, the transfer amount, and The third transaction verification including the second transaction verification request including the transaction type indicating a cash deposit transaction, and the transaction type indicating the opening account number, the transfer destination account number, the transfer amount, and the transfer transaction. A transaction verification request transmitter for transmitting a request to the financial institution system;
Based on a response from the financial institution system to the first to third transaction verification requests, a cash withdrawal transaction from the transfer source candidate account, a cash deposit transaction to the opening account, and the opening account from the opening account A transaction availability determination unit that determines whether a transfer transaction to a transfer account is possible;
An information processing apparatus comprising: The information processing apparatus according to claim 1,
A financial institution storage unit for storing each of the financial institution specifying information for specifying each of the financial institutions;
A withdrawal fee storage unit for storing a withdrawal fee in the case of withdrawing the transfer amount from the deposit source candidate account in association with the deposit source candidate account number;
In association with the financial institution specific information, a cash transfer fee storage unit that stores a cash transfer fee when performing cash transfer of the transfer amount to the transfer destination account using the financial institution,
For each of the transfer source candidate account number and the financial institution specifying information, the first procedure information including a transaction type indicating the transfer source candidate account number and a withdrawal transaction, and the financial institution specifying information and the cash transfer transaction A transaction fee output unit that outputs a second procedure information including a transaction type, a transaction fee obtained by totaling the withdrawal fee from the transfer source candidate account and a transaction fee obtained by totaling the cash transfer fee for the financial institution,
An information processing apparatus comprising: The information processing apparatus according to claim 1,
A withdrawal fee storage unit for storing a withdrawal fee in the case of withdrawing the transfer amount from the deposit source candidate account in association with the deposit source candidate account number;
A deposit fee storage unit for storing a deposit fee associated with depositing the transfer amount in the deposit account in association with the deposit account number;
For each of the transfer source candidate account numbers, a first procedure information including a transaction type indicating the transfer source candidate account number and a withdrawal transaction, and a second type including the transaction type indicating the transfer destination account number and a deposit transaction. Transaction fee output unit for outputting the procedure information, the withdrawal fee from the transfer source candidate account, and the transaction fee obtained by totaling the deposit fee to the transfer destination account,
An information processing apparatus characterized by the above. The information processing apparatus according to claim 8,
An information processing apparatus comprising: a transaction availability determination unit that determines whether or not cash can be deposited in the bank account according to whether or not the established account number is registered in the established account storage unit. A method of supporting a user who makes a transfer using an agent that represents the business of multiple financial institutions,
Information processing device
Storing opening account numbers indicating a plurality of opening accounts that are accounts opened by the user in the financial institution;
Accepts a transfer request with a transfer account number and transfer amount indicating the transfer account that is the transfer account,
Store each balance of the opening account in association with the comment account number,
Read the transfer source candidate account number that is the opening account number corresponding to the balance of the transfer amount or more from the balance storage unit,
In association with the transfer source candidate account number and the transfer destination account number, store the transfer fee when transferring the transfer amount from the transfer source candidate account to the transfer destination account,
For each of the transfer source candidate account numbers, the transfer fee corresponding to the transfer source candidate account number and the transfer destination account number is read, and the read transfer fee is output in association with the transfer source candidate account number. ,
The transfer support method characterized by this. It is the transfer assistance method of Claim 10, Comprising:
The information processing apparatus includes:
In association with the opening account number, storing the transfer fee when transferring the transfer amount from the opening account to the transfer destination account,
In association with the transfer source candidate account number, memorize the withdrawal fee required when withdrawing the transfer amount from the transfer source candidate account,
In association with the opening account number, memorize the deposit fee when depositing the transfer amount into the opening account,
For each of the transfer source candidate account number and the opened account number, first procedure information including the transaction type indicating the transfer source candidate account number and withdrawal transaction, and the transaction type indicating the opened account number and deposit transaction , Second procedure information including the opening account number, the transfer account number and the transaction type indicating the transfer transaction, the withdrawal fee from the transfer source candidate account, the opening account Output in association with the deposit fee to and the transaction fee that is the sum of the transfer fee from the opening account to the transfer destination account,
The transfer support method characterized by this. It is the transfer assistance method of Claim 10, Comprising:
The information processing apparatus includes:
Storing each of the financial institution specifying information for specifying each of the financial institutions,
In association with the transfer source candidate account number, memorize the withdrawal fee required when withdrawing the transfer amount from the transfer source candidate account,
In association with the financial institution specific information, memorize the cash transfer fee incurred when cash transfer of the transfer amount to the transfer destination account using the financial institution,
For each of the transfer source candidate account number and the financial institution specifying information, the first procedure information including the transaction type indicating the transfer source candidate account number and the withdrawal transaction, and the financial institution specifying information and the cash transfer transaction are shown. Outputting the second procedure information including the transaction type in association with the transaction fee that is the sum of the withdrawal fee from the transfer source candidate account and the cash transfer fee for the financial institution;
The transfer support method characterized by this. It is the transfer assistance method of Claim 10, Comprising:
The information processing apparatus includes:
In association with the transfer source candidate account number, memorize the withdrawal fee required when withdrawing the transfer amount from the transfer source candidate account,
In association with the transfer account number, memorize the deposit fee when depositing the transfer amount into the transfer account,
For each of the transfer source candidate account numbers, a first procedure information including a transaction type indicating the transfer source candidate account number and a withdrawal transaction, and a second type including the transaction type indicating the transfer destination account number and a deposit transaction. Outputting the procedure information in association with the transaction fee that is the sum of the withdrawal fee from the transfer source candidate account and the deposit fee to the transfer destination account;
The transfer support method characterized by this. A program for supporting users who make transfers using agents that represent the operations of multiple financial institutions,
On the computer,
Storing opening account numbers indicating a plurality of opening accounts that are accounts opened by the user in the financial institution;
Receiving a transfer request in which a transfer account number indicating a transfer account that is a transfer destination account and a transfer amount are specified;
Storing the balance of the opening account in association with the opening account number;
Reading a transfer source candidate account number that is the opening account number corresponding to the balance equal to or greater than the transfer amount;
Storing the transfer fee incurred when transferring the transfer amount from the transfer source candidate account to the transfer destination account in association with the transfer source candidate account number and the transfer destination account number;
Reading the transfer fee corresponding to the transfer source candidate account number and the transfer destination account number for each of the transfer source candidate account numbers, and outputting the read transfer fee in association with the transfer source candidate account number When,
A program for running The program according to claim 14, wherein
In the computer,
Storing the transfer fee when transferring the transfer amount from the open account to the transfer account in association with the open account number and the transfer account number;
Storing a withdrawal fee associated with withdrawing the transfer amount from the transfer source candidate account in association with the transfer source candidate account number;
Storing the deposit fee associated with depositing the transfer amount in the established account in association with the established account number;
For each of the transfer source candidate account number and the opened account number, first procedure information including the transaction type indicating the transfer source candidate account number and withdrawal transaction, and the transaction type indicating the opened account number and deposit transaction , Second procedure information including the opening account number, the transfer account number and the transaction type indicating the transfer transaction, the withdrawal fee from the transfer source candidate account, the opening account Outputting the deposit fee to and the transaction fee that is the sum of the transfer fee from the opening account to the transfer destination account,
A program for further execution. It is the transfer assistance method of Claim 14, Comprising:
In the computer,
Storing each of the financial institution specifying information for specifying each of the financial institutions;
Storing the withdrawal fee associated with withdrawing the transfer amount from the source candidate account in association with the source candidate account;
A step of storing a cash transfer fee in association with the financial institution specific information when performing a cash transfer of the transfer amount to the transfer destination account using the financial institution;
For each of the transfer source candidate account number and the financial institution specifying information, the first procedure information including the transaction type indicating the transfer source candidate account number and the withdrawal transaction, and the financial institution specifying information and the cash transfer transaction are shown. Outputting the second procedure information including the transaction type in association with the transaction fee obtained by totaling the withdrawal fee from the transfer source candidate account and the cash transfer fee for the financial institution;
A program for further execution. The program according to claim 14, wherein
In the computer,
Storing a withdrawal fee associated with withdrawing the transfer amount from the transfer source candidate account in association with the transfer source candidate account number;
Storing a deposit fee associated with depositing the transfer amount in the transfer account in association with the transfer account number;
For each of the transfer source candidate account numbers, first procedure information including the transfer source candidate account number and the transaction type indicating a withdrawal transaction, and a second type including the transfer destination account number and the transaction type indicating a deposit transaction. A step of outputting the transaction information, the transaction fee that is the sum of the withdrawal fee from the transfer source candidate account, and the deposit fee to the transfer destination account in association with each other;
A program for further execution.

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