JP2010003111A - Account management system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an account management system for transferring funds according to the purpose of the saving of each account or the like by making it achievable to transfer funds between slave accounts. <P>SOLUTION: This account management system includes a storage part for storing money payment/reception discrimination information for discriminating the money payment or money reception of the transfer of funds whose acceptance is permitted by slave account; a storage part for storing money payment/reception validating sum information as a sum which can be paid or received by slave account; a storage part for storing slave account destination information for designating a slave account to be used when the requested sum of money payment or money reception exceeds a prescribed sum; and a control part for, when money payment or money reception is requested, controlling the money payment or money reception from a slave account on the basis of the information stored in the storage part. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention relates to an account management system, and more particularly to an account management system capable of transferring funds between accounts opened in a financial institution or the like.

  In general, a financial institution can only open one account to one account, and even if there are multiple subordinate accounts for this account, the previous holder can open this account. It will be supervised. Usually, when multiple people use this account that is managed by the general manager, use the account as it is, or assign the holder of the user to another account and assign the account of each name other than the account holder. Will be used.

  As a technique for managing such an account, in Patent Document 1, a deposit / withdrawal limit is set by a manager of a parent account, and the account is managed by allowing deposit / withdrawal to / from a child account freely. Account management system is described. Patent Document 2 and Patent Document 3 describe a transfer processing system or a fund transfer processing system that appropriately secures funds for a subordinate account by transferring or distributing subordinate account funds to a central account. Yes. Furthermore, Patent Document 4 describes a cash management system that distributes funds between accounts by calculating an optimal adjustment (transfer) amount among a plurality of accounts.

JP 2004-227467 A JP 2002-24559 A Japanese Patent Laid-Open No. 2004-199712 JP 2006-309739 A

  However, the prior art has a problem that it is not possible to have one account with different purposes for deposit and withdrawal. For example, even if you want to set up an account for paying periodic insurance premiums as an account for payment purposes, an account for paying premiums for periodic insurance can be used for payment purposes when maturity payments occur. It will be used.

  Further, in Patent Document 4, there is a problem that even if a child account for saving is set, payments such as maturity payments are distributed to child accounts other than for saving. Furthermore, even the saved funds are automatically distributed to secure the funds for the child accounts, so it is not possible to have a child account for saving purposes. Furthermore, since there can be only one parent account for a child account in the parent-child relationship of the accounts, each child account can only transfer one parent account.

  An object of the present invention is to provide an account management system that enables the transfer of funds according to the purpose of saving or the like of each account by enabling the transfer of funds between child accounts.

  In order to achieve the above object, in a preferred example, the account management system of the present invention is an account management system that manages a child account and a parent account that controls a plurality of child accounts. Alternatively, a first storage unit for storing deposit / withdrawal classification information for classifying each child account into deposit / withdrawal and a deposit / withdrawal amount information that is an amount that can be deposited / withdrawn for each child account A second storage unit, a third storage unit for storing child account designation information for designating the child account to be used when the requested deposit or withdrawal amount exceeds a predetermined amount, and the child account When a deposit or withdrawal is requested, it is determined based on the deposit / withdrawal classification information stored in the first storage unit whether the deposit or withdrawal is accepted for the child account. Stored in the second storage unit. Based on the information on the amount that can be withdrawn, it is determined whether or not the amount that can be withdrawn / withdrawn has been exceeded. Control that controls to deposit or withdraw money from another designated child account based on the child account designation information stored in the third storage unit when it is determined that the possible amount of money has been exceeded It can comprise so that it may have.

  By enabling the transfer of funds between the child accounts, it is possible to provide an account management system that enables the transfer of funds according to the purpose of saving or the like of each account.

Next, the best mode for carrying out the present invention will be described based on the following embodiments with reference to the drawings.
[Example 1]
FIG. 1 is a diagram illustrating a configuration example of an account management system according to the first embodiment.

  The account is, for example, a deposit account provided by a financial institution and is an account capable of transactions such as deposit / withdrawal, transfer, and transfer. The account management system has an account management unit 103 and a parent account 102 opened in the financial institution 101. The account management unit 103 manages the entire parent account 102 and includes a storage unit 120 and a control unit 125. The storage unit 120 stores account management rules 104 (details will be described later with reference to FIG. 2), which are deposit / withdrawal rules of the parent account 102. The parent account 102 is provided with a plurality of sub-accounts such as a saving account 105, a living account 106, a play account 107, a settlement account 108, and an insurance account 109. When receiving the deposit / withdrawal request, the control unit 125 controls the deposit / withdrawal of each account based on the account management rules 104 (details will be described later). The control unit 125 includes a CPU, and realizes deposit / withdrawal control when a predetermined program is executed by the CPU.

  The parent account holder 110 is a holder of the parent account 102 and manages a plurality of child accounts virtually divided by using the parent account 102 as one real account, or as a plurality of real accounts other than the parent account 102. Manage child accounts. The parent account holder 110 manages the child accounts by setting the plurality of child accounts in the account management rules 104. The overall account balance of the parent account 102 can be managed by the parent account holder 110 as a unit by assigning it to an arbitrary child account. The parent account holder 110 can also check deposits, withdrawals, balances, etc. for other managed accounts. According to the account management rule 104, the account management system according to the present embodiment can perform transfer when a user deposits from an account other than the user, and transfer without paying consciousness when paying out.

  FIG. 2 is a diagram illustrating an example of the account management rule 104.

  The account management rule 104 is composed of an account name 201, a deposit / withdrawal category 202, another account usage balance 203, and a usage other account 204. The account name 201 is information on the account name of each account having a parent-child relationship managed by the parent account holder 110. The deposit / withdrawal category 202 is a combination of the account name 201 with another account used when deposit or transfer occurs, and a combination with another account used when withdrawal or transfer occurs. In order to discriminate between them, the information is classified into “deposit” and “withdrawal”.

  The other account use balance 203 is transferred to another account when the account name 201 exceeds the amount set by deposit / transfer, or falls below the amount set by withdrawal / transfer. This is the account balance information for making transfers and payments. The other account use balance 203 may not be set. In this case, the other account is used preferentially, and if the transaction is still unsuccessful, the own account is used.

  The use other account 204 is information on an account in which transfer / transfer is generated from the account name 201. The order of using the account of the use other account 204 corresponding to the account described in the account name 201 is the order from the account 1. In addition, for the use other account 204, an amount (specified amount 205) can be designated according to the account name. The designated amount 205 is information on the amount related to depositing or withdrawing. In the case of depositing or transferring, the amount that can be deposited into the account is the withdrawal or transfer until the account balance reaches the designated amount 205. In this case, the amount that can be withdrawn from the account is until the account balance reaches the designated amount 205. Note that it is possible to set no other account as the use other account 204. In this case, no transfer or payment transaction from another account is performed.

  Next, a specific usage example of the account management rule 104 will be described with reference to deposit and withdrawal. First, as an example of depositing, a case where 150,000 yen is deposited into the play account 107 with a balance of 30,000 yen will be described. The control unit 125 searches for the play account 107 from the account name 201 stored in the storage unit 120, and refers to the line in which the deposit / withdrawal category 202 is “deposit”. In this case, the other account use balance 203 is “¥ 100,000”, and if the full amount is added to the play account, the balance will be 180,000 yen, which is more than 100,000 yen of the other account use balance 203. Deposit 80,000 yen into other account 204. The first account of the use other account 204 is the daily use account 106, and since there is no other account use balance 203 set to the deposit / withdrawal classification 202 of this account, the remaining full amount is transferred to the living use account 106. . As a result, when 150,000 yen is deposited into the play account 107 with a balance of 30,000 yen, the play account 107 is credited with 70,000 yen, resulting in a balance of 100,000 yen. Ten thousand yen is deposited.

  Next, as an example of withdrawal, the balance for the settlement account 108 is 60,000 yen, the balance for the play account 107 is 20,000 yen, the balance for the living account 106 is 40,000 yen, The case of withdrawing money will be explained. The control unit 125 searches for the settlement account 104 from the account name 201 stored in the storage unit 120, and refers to the row in which the deposit / withdrawal category 202 is “withdrawal”. In this case, the other account use balance 203 is “¥ 50,000”, and if the entire amount is withdrawn from the settlement account 108, the balance becomes minus 20,000 yen. Withdraw less than 70,000 yen from the other account 204. The first account of the use other account 204 is the play account 107, and since there is no other account use balance 203 of “withdrawal” as the deposit / withdrawal category 202 of this account, the maximum full amount is withdrawn from this account. Since the balance of the play account 107 is 20,000 yen, 20,000 yen is withdrawn, but since it does not reach 70,000 yen, the withdrawal is made from the daily account 106, which is the next account of the use other account 204. Plan. Since the deposit / withdrawal category 202 of the living account 106 is “withdrawal” and the account usage balance is 0 yen, the maximum total amount is withdrawn from this account. The balance of the living account 106 is 40,000 yen, and even if 20,000 yen, which is the withdrawal amount of the play account 107, is combined, it does not reach 70,000 yen withdrawing from the use other account 204. Further, since there are no other registered accounts, the shortage is additionally drawn out from the settlement account 108 which is the own account. As a result, when 80,000 yen is withdrawn from the settlement account 108, the settlement account 108 withdraws 20,000 yen, the balance is 40,000 yen, and the play account 107 withdraws 20,000 yen. The balance is 0 yen, and the account 106 for daily use is paid 40,000 yen, and the balance becomes 0 yen.

  Next, as an example of depositing when the designated amount 205 is set, a case where 150,000 yen is deposited in the parent account will be described. The control unit 125 searches the parent account 102 from the account name 201 stored in the storage unit 120, and refers to the line where the deposit / withdrawal category 202 is “deposit”. In this case, since the other account usage balance 203 is not set, the full amount usage other account 204 is deposited. Since the first account of the use other account 204 is the saving account 105 and the designated amount 205 is “¥ 50,000”, 50,000 yen is deposited into the saving account 105. When this 50,000 yen is deposited, the remaining deposit amount is 100,000 yen, and the next use other account 204 is referred to. The next use other account 204 is the settlement account 108. Since the designated amount 205 of the settlement account 108 is “¥ 50,000”, 50,000 yen is deposited into the settlement account 108. The remaining deposit amount is 50,000 yen, and the next use other account 204 is referred to. The next use other account 204 is a living account 106, and the designated amount 205 of this living account 106 is “¥ 100,000”, but the remaining deposit amount is only 50,000 yen, and the parent account 102 In addition, 50,000 yen is credited to the daily account 106 because it is not credited in this transaction. As a result, when 150,000 yen is deposited in the parent account 102, 50,000 yen is deposited in the savings account 105, 50,000 yen is deposited in the settlement account 108, and 50,000 yen is deposited in the living account 106.

  FIG. 3 is a diagram showing the relationship between deposit and withdrawal requests to other accounts generated by deposit, transfer, withdrawal and transfer to each account based on the account management rules 104. In this way, a relationship of deposit / withdrawal requests that is not possible with a tree structure is possible.

  FIG. 4 is a flowchart for explaining a deposit process when deposit is generated for each account.

  First, terms used in the flowchart will be described. The own account deposit amount is an amount scheduled to be deposited into the account specified by the insurance company 111 and each account user 114. The other account deposit amount is an amount deposited into the use other account 204. All other account deposit amounts are amounts that are scheduled to be deposited in all other accounts, and the deposit amount is reduced each time the deposit is made to another account. The remaining amount is the remaining amount obtained by reducing the deposit amount every time it is deposited into another account. There are two purposes for the remaining amount, and if your own account deposit amount is 1 yen or more and the other account 204 has the specified amount 205, and you cannot deposit the amount specified by the specified amount 205, this shortage amount is removed from your account. This is for judging whether or not the deposit is possible, and for depositing the remaining amount into the own account when the deposited amount remains even if the other account is used.

  Next, a process when depositing in the parent account 102 will be described.

  If there is a deposit in the parent account 102, the control unit 125 searches the account 201 stored in the storage unit 120 for data in which the parent account 102 and the deposit / withdrawal category 202 are deposits, and whether the other account 204 is set. It is determined whether or not (S401). When the use other account 204 is set, the control unit 125 determines whether or not the other account use balance 203 is set (S403). When the setting of the other account usage balance 203 is 0 yen, the control unit 125 determines whether the sum of the deposit balance and the deposit amount of the parent account 102 exceeds 0 yen (S405). As a result of the determination, if it does not exceed 0 yen, the deposit amount of the own account is set as the deposit amount (S402), the deposit is made to the parent account 102 (S426), and the transaction ends.

  In S405, if it exceeds 0 yen, the scheduled amount to be deposited into the own account (own account deposit amount) is set to an amount obtained by subtracting the deposit balance from 0 yen. If there is no other account usage balance setting, it means that there is no own account deposit amount, and therefore, after the determination in S403, the own account deposit amount is set to 0 yen (S404). The deposit amount is set as the remaining amount as the depositable amount, and the amount obtained by subtracting the own account deposit amount from the deposit amount is set as the amount scheduled to be deposited into another account (S407).

  In order to refer to the account of the use other account 204, the control unit 125 first refers to the account 1 (S408), and determines whether or not there is an amount designation for the amount or the deposit amount for this account (S409). Here, since there is “saving account (¥ 50,000)” and amount designation 205, the control unit 125 determines whether or not the amount designated by the remaining amount can be deposited (S414). As a result of the determination, when it is determined that the deposit is possible, the control unit 125 determines whether or not the amount specified in the deposit amount of all other accounts can be deposited (S416). As a result of the determination, when it is determined that the deposit is impossible, the control unit 125 sets the deposit amount of the own account as the amount obtained by subtracting the specified amount from the remaining amount (S417), and sets the specified amount as the deposit amount of other accounts (S418). Then, deposit the other account deposit amount to the account 1 (saving account 102) (S419). If it is determined in S415 that depositing is possible, the deposit amount of another account is set as the designated amount (S418), and depositing into the account 1 (S419). If it is determined in S414 that the deposit is not possible, the control unit 125 sets the remaining amount in the other account deposit amount with the deposit amount of the own account as 0 yen in order to deposit the entire amount not deposited (S415), and the account 1 (S419).

  When the deposit to the account 1 is completed, the deposit amount is deducted from all other account deposit amounts and the remaining amount (S420, S421). As a result, the control unit 125 determines whether or not the deposit amount of all other accounts is 0 yen (S422). If the deposit amount is 0 yen, the deposit amount of the own account is deposited in the own account in order to deposit the remaining account. (S426), and the transaction is terminated.

  If the deposit amount of all other accounts is 0 yen in S422, the control unit 125 determines whether or not there is a next usage other account setting (S423). Since the next other usage account (account 2) has a setting of “account for settlement (¥ 50,000)”, the usage other account is returned to S409 as account 2 (account for settlement 108), and the other account is deposited. Repeat until the planned amount (all other accounts) is 0 yen or the next other account is gone.

  In S409, when the other account is not specified as a percentage for the amount or the deposit amount as in the case of “account for play” of the account 3, the control unit 125 determines that the balance of the other account is the other account balance of the other account. It is determined whether or not (S410). As a result of the determination, if it exceeds, it is determined that payment to the other account for use is impossible, and it is determined whether there is a next other account for use (S423).

  In S410, when the balance of the use other account does not exceed the other account use balance of the use other account, the control unit 125 deposits all other account deposits into the use other account, and the other account of the use other account. It is determined whether or not the usage balance is exceeded (S411). As a result of the determination, if not exceeding, the control unit 125 sets the other account deposit amount to the all other account deposit amount (S412), and deposits the other account deposit amount to the use other account (S419). In S411, as a result of the determination, when the other account usage balance exceeds the other account usage balance, the control unit 125 sets the amount not exceeding the other account usage balance of the usage other account as the other account deposit amount (S413), etc. Deposit money into the account (S419).

  In S423, when there is no setting for the next usage other account, the control unit 125 sets the remaining amount in the own account deposit amount in order to deposit the remaining amount into the own account (S425), and performs a deposit process (S426). ) End the transaction.

  FIG. 5 is a flowchart for explaining a withdrawal process when a withdrawal occurs for each account.

  First, terms used in the flowchart will be described. The amount that can be withdrawn is an amount that can be withdrawn using the own account or another account. The own account withdrawal amount is an amount scheduled to be withdrawn from an account designated by the insurance company 111, the transfer settlement destination 112, or each account user 114. The account a withdrawal amount is a scheduled withdrawal amount for the use other account 204. The reason for setting individually is to withdraw money from an individual account when a withdrawal transaction is established with a possible withdrawal amount.

  Next, processing when the payment account 108 is debited from the transfer settlement destination 112 will be described.

  In the case of withdrawing from the settlement account 108, the control unit 125 searches the account name 201 stored in the storage unit 120 for data in which the settlement account 108 and the deposit / withdrawal category 203 are withdrawals, and the other account 204 is used. It is determined whether it is set (S501). When the use other account 204 is set, the control unit 125 determines whether or not another account use balance 203 is set (S503). Since the setting of the other account use balance 203 is “¥ 50,000”, the control unit 125 determines whether or not the balance of the settlement account 108 is less than the other account use balance 203 (S504). If the result of determination is below, the control unit 125 determines whether or not the other account usage balance 203 is below the withdrawal result (S506). As a result of the determination, if the withdrawal result does not fall below 50,000 yen, the control unit 125 withdraws from the settlement account 108 (S502, S519, S525).

  If the withdrawal result in S506 is less than the other account usage balance 203, the control unit 125 sets a possible withdrawal amount so that the balance of the settlement account 108 becomes the other account usage balance (50,000 yen) (S507). . The control unit 125 sets the account 1 (playing account 107), which is the first use other account, as the use account (S508), and determines whether the use other account has a ratio designation for the amount or the balance (S509). Here, since there is no “playing account” amount and designated ratio, the control unit 125 next determines whether or not the full amount can be withdrawn by withdrawing from the use other account (S510). As a result of the determination, if the total amount cannot be withdrawn, the control unit 125 sets the amount of the withdrawal amount of the account 1 by subtracting the other account usage balance of the account 1 from the balance of the account 1 (S511). If all withdrawals are possible in S510, an amount obtained by subtracting the withdrawal possible amount from the withdrawal amount is set to the withdrawal amount of the account 1 (S512). In order to withdraw from the account 1, the control unit 125 adds the withdrawal amount of the account 1 to the possible withdrawal amount (S518), and determines whether or not the possible withdrawal amount reaches the withdrawal amount (S519). .

  As a result of the determination, when the amount reaches the withdrawal amount, the control unit 125 transfers the withdrawal amount of the account 1 from the play account 107 to the settlement account 108 and withdraws the withdrawal amount from the settlement account 108 ( S525). If the withdrawal amount has not been reached in S519, the control unit 125 determines whether or not there is an account that can be withdrawn next (S521). Since the account 2 has a “living account”, the control unit 125 sets the use other account as the living account 105 and repeats from S509.

  After the repetition, if the withdrawal amount does not reach in S520 even if the household account 105 set in the account 2 is used, the control unit 125 does not have the next available account in S521, and therefore withdraws. It is determined whether or not it reaches the withdrawal amount by adding the possible amount and the balance of the own account (S523). Since the balance of the settlement account 108 is 50,000 yen, if it is possible to withdraw money using this 50,000 yen, it is decided to further withdraw from 50,000 yen (S524), and a withdrawal process is performed (S524). S525). If the withdrawal amount is not reached even if the remaining amount of 50,000 yen in the settlement account 108 is used in S523, the transfer from the other account to the settlement account 108 is not performed, and an error occurs due to insufficient balance (S526).

  Although it does not occur in the example of the withdrawal of the settlement account 108, if there is no other use account in S501, it is deducted from the account. In this case, the deposit balance of the account is set as a possible withdrawal amount (S502), and the control unit 125 compares the possible withdrawal amount with the withdrawal amount (S519). A withdrawal process is performed (S525), and if withdrawal is impossible, an error occurs due to insufficient balance (S526).

  In addition, when there is a designation for the amount or balance in the use other account in S509, the control unit 125 determines whether or not the designated amount can be withdrawn with the balance of the use other account (S513), and withdrawal is possible. If not, the designated amount is set as the withdrawal target (S514), and if the withdrawal is impossible, the balance of the account is set as the withdrawal target (S515). As a result, the control unit 125 determines whether or not the possible withdrawal amount from all accounts exceeds the withdrawal amount (S516). Perform (S517). As described above, by performing deposit and withdrawal processing based on the account management rules 104, distribution by deposit and withdrawal request by withdrawal can be made.

  In addition, an example will be described in which two purposes of saving at the time of deposit and settlement at the time of withdrawal are realized by one account. First, an insurance account 109 is opened, an account management rule 104 as shown in FIG. 2 is set, and the insurance account 109 is informed to the insurance company 111. When the insurance company 111 withdraws insurance premiums for the insurance account 109, the account name 201 is “insurance account”, the deposit / withdrawal category 202 is “withdrawal”, and the other account usage balance 203 is not set, Since the use other account is a “settlement account”, the insurance company 111 is withdrawn from the balance of the settlement account 108. Further, when the insurance company 111 transfers the maturity payment to the insurance account 109, the account name 201 is “insurance account”, the deposit / withdrawal category 202 is “payment”, the other account usage balance 203 is not set, and is used Since the other account is a “savings account”, the savings account 105 is deposited from the insurance company 111. As described above, the insurance account 109 can realize the two purposes of saving at the time of deposit and settlement at the time of withdrawal with one account.

  Further, since the savings account 105 is not set as a use other account 204 in which the deposit / withdrawal category 202 in the account management rule 104 is “withdrawal”, no withdrawal request is made from another child account to the savings account 105. It becomes a child account, and this child account can be used for saving purposes.

In addition, there is an account other than the user that the user can use for this withdrawal transaction purpose at the time of withdrawal transaction, and withdrawal is possible if the balance with the user account meets the withdrawal amount. It is possible to prevent bad effects such as arrears due to the inability to make money and interest on loans.
[Example 2]
In the second embodiment, as an example of having a plurality of parent accounts for a child account, a case will be described in which the account manager of the entire account is transferred from the mother to the newly joined father by remarriage.

  FIG. 6 is a diagram illustrating a configuration example of an account management system according to the second embodiment. As in the first embodiment, the account management system includes an account management unit 603 that manages the entire account. The account management unit 603 includes a storage unit 620 and a control unit 625, and an account management rule 604 is stored in the storage unit 620. Has been. The mother account 602 is opened in the financial institution 601 as a real account in the name of the parent account holder (mother), and a plurality of child accounts of a daughter account 605 and a son account 606 are provided as subordinates.

  A parent account holder (mother) 608 is a holder of the mother account 602 and manages a plurality of child accounts virtually divided by using the mother account 602 as one real account, or other than the mother account 602. Manage child accounts as multiple real accounts. The parent account holder (mother) 608 manages the deposit and withdrawal of the child account by setting the plurality of child accounts in the account management rules 604. The parent account holder (mother) 608 can distribute the entire account balance of the mother account 602 to any child account and manage the child account balance. The parent account holder (mother) 608 can confirm the deposit, withdrawal, balance, and the like with respect to the daughter account 605 and the son account 606 which are child accounts.

  According to the account management rule 604, the account management system according to the present embodiment transfers money to another account when the usage balance exceeds the deposit amount, and other cases when the withdrawal amount falls below the minimum balance. The user can perform the transfer from the account without being aware of it. An example in which the father's account 607 has already been established in the financial institution 601 and the parent account holder (father) 609 becomes the entire parent account holder by remarriage will be described.

  FIG. 7 is a diagram illustrating an example of the account management rule 604. The account management rule 604A in the case where the mother before remarriage is an account manager, and the account management rule 604B in the case where a father is newly added after remarried. An example is shown.

  The account name 701 is information on the account name of each account having a parent-child relationship. The account management rule change authority 702 is information indicating whether or not each account registered in the account name 701 has the authority to change the account management rule 604A. In the account management rule 604A, only the mother account 602 has the authority to change the account management rule 604A, and the parent account holder (mother) 608 who is the name of the mother account 602 changes the account management rule 604A. It means that you have authority. The deposit / withdrawal category 703, other account usage balance 704, and other usage account 705 are the same as the deposit / withdrawal category 202, other account usage balance 203, and other usage account 204 in FIG. Is omitted.

  The account management rule 604B, which is changed so that the father's account 607 becomes the parent account and the mother's account 602 can be managed in the same manner after remarried, is created by making the following changes to the original account management rule 604A. The First, in order to add a father to parent-child management, the father's account 607 is additionally registered in the account management rule 604B. At the time of additional registration, by setting the account management rule authority 702 of the father account 607 to “Yes”, the parent account holder (father) 609 who is the owner of the father account 607 changes the account management rule 604. It becomes possible to do. Next, the account 3 is added to the use other account 705. It is also possible to change the use other account 705 in which the mother account 602 requests withdrawal from the father account.

  FIG. 8 is a diagram showing the relationship between deposit and withdrawal requests to other accounts generated by deposit, transfer, withdrawal and transfer to each account based on the account management rules 604B. By setting the account management rule 604 and changing the account management rule 604, the daughter account 605 and the son account can be changed without breaking the dependency of the daughter account 605 and the son account 606 with the mother account 602. 606 can have a dependency on father's account 607.

  The parent account holder 110 in the first embodiment sets the account management rules 104, and the parent account holder (mother) 08 and the parent account holder (father) who are account managers in the second embodiment. Although a method for setting account management rules 604 by 609 is not shown, it can be set at a window at a financial institution or by using a terminal, a mobile phone or the like using a network.

  In the first embodiment, the financial institution 101 and in the second embodiment the financial institution 601 and the account management rule 104 and the account management rule 604 are set in one financial institution. For example, by installing the server on a server in a common network, the parent-child account can be extended to accounts of a plurality of financial institutions.

  Further, in the first embodiment, the account having two purposes is described with the insurance account 109 being debited as the insurance company 111, but the account is not limited to the insurance company. Furthermore, in the second embodiment, an example in which there are two parent accounts has been described. However, any number of child accounts having the same authority as the parent account may be set.

  In addition, by applying the account management rules according to the present embodiment, it is possible to register the change of the payment distribution for one entire account by changing the deposit rules for each account. Further, even in a company having two head offices, it is possible to manage the entire account under the two parent accounts in a pseudo manner by restricting access according to the account management rules.

The figure which shows the structural example of the account management system by Example 1. FIG. FIG. 6 is a diagram illustrating an example of an account management rule according to the first embodiment. The figure which shows the relationship of the deposit / withdrawal request between the accounts by Example 1. FIG. The flowchart for demonstrating a money_receiving | payment process. Flow chart for explaining the withdrawal process The figure which shows the structural example of the account management system by Example 2. FIG. FIG. 10 is a diagram illustrating an example of an account management rule according to the second embodiment. The figure which shows the relationship of the deposit / withdrawal request | requirement between the accounts by Example 2. FIG.

Explanation of symbols

102: Parent account, 103, 603: Account management unit, 104, 604: Account management rule, 120, 620: Storage unit, 125, 625: Control unit.

Claims (1)

In an account management system that manages a child account and a parent account that controls a plurality of child accounts,
A first storage unit for storing deposit / withdrawal classification information for classifying, for each child account, whether the transfer of funds permitted to be accepted is deposit or withdrawal;
A second storage unit for storing deposit / withdrawal amount information that is an amount that can be deposited or withdrawn for each child account;
A third storage unit for storing child account designation information for designating the child account to be used when the requested deposit or withdrawal amount exceeds a predetermined amount;
When deposit or withdrawal is requested for the child account, whether or not to accept deposit or withdrawal for the child account is determined based on the deposit / withdrawal classification information stored in the first storage unit. If it is determined and accepted, it is determined whether or not the deposit / withdrawal amount is exceeded based on the deposit / withdrawal amount information stored in the second storage unit, and the deposit / withdrawal amount is exceeded. If it is determined that it is not, deposit or withdraw from the child account, if it is determined that the amount that can be deposited and withdrawn is exceeded, based on the child account designation information stored in the third storage unit, An account management system comprising: a control unit that controls to deposit or withdraw money from another designated child account.

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