JP2012018526A - Overseas remittance system and overseas remittance method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an overseas remittance system and an overseas remittance method with which a user can efficiently remit a part of his/her salary.SOLUTION: A control unit 21 of a financial institution server 20 detects whether or not a installment criterion is fulfilled as for a user's installment account. When the amount of salary deposited in a user's account exceeds an amount specified as a installment criterion amount, the control unit 21 determines that the installment criterion has been fulfilled and transfers the specified installment amount to the user's installment account from user's saving account. Then the control unit 21 detects whether or not a remittance criteria is fulfilled as for the user's installment account. When a time period, specified as a remittance criterion time interval, has elapsed since the last remittance or the balance of the installment account exceeds an amount specified as a remittance criterion amount, it is determined that the remittance criteria has been fulfilled, and the control unit 21 executes an overseas remittance.

Description

  The present invention relates to an overseas money transfer system and an overseas money transfer method for sending money overseas.

  You may send money overseas using various remittance methods. In particular, today, foreign workers working in the country sometimes remit part of their salary to their families. In order to perform overseas remittance, it is necessary to make a remittance request at a financial institution's window, but it may be difficult to remit money overseas depending on the business hours and language of the window and overseas financial circumstances. In particular, in financial institutions, it is necessary to confirm the identity of the person at the window, the purpose of remittance, and confirmation of the funds for remittance.

  Therefore, a method for automatically transferring a part of salary or the like overseas is being studied (for example, see Patent Document 1). According to the technique described in this document, a transfer request and an overseas remittance request to a payee's account designated by the customer are received together. The bank system executes salary transfer processing based on the salary transfer data, and executes processing for transferring a part of the salary amount to the designated overseas payee account based on the overseas remittance request data.

Japanese Patent Laying-Open No. 2003-6444 (first page, FIGS. 3 and 7)

  However, in the technique described in Patent Document 1, overseas remittance is performed simultaneously with salary transfer. Due to the high remittance fees for overseas remittances, frequent remittances may increase the fees for remittance. In addition, when remittance overseas, there are various methods depending on the circumstances of each country of remittance. In this way, there is a need for efficient overseas remittance according to the situation of foreign workers and the circumstances of the remittance destination.

  The present invention has been made to solve the above problems, and an object of the present invention is to provide an overseas remittance system and an overseas remittance method for efficiently transferring a part of salary.

  In order to solve the above problems, the invention described in claim 1 is a remittance management information storage means for storing remittance management information in which overseas remittance information, work place information, and remittance condition information are set for each funded account. And an overseas remittance system comprising: contact information storage means storing contact information for each overseas remittance; and control means for performing remittance using the balance of the funded account. A deposit processing means for executing a deposit process for depositing a part of the salary paid to the overseas remittance from the transfer person of the work place information recorded in the remittance management information storage means into the reserve account of the overseas remittor; When the remittance condition specified in the remittance management information is satisfied in the funded account, the overseas remittance destination set in the remittance condition information is specified, and the remittance set from the remittance condition information is set for the overseas remittance destination. Send amount Remittance processing means for executing the remittance processing, and contact information of the overseas remittance of the reserve account in the remittance processing is obtained from the contact information storage means, and the remittance processing is performed for the contact information The gist is provided with a remittance notification means for notification.

The invention described in claim 2 is the overseas remittance system according to claim 1, further comprising funding condition information storage means for storing funding condition information relating to the funded amount for each funding account, wherein the money transfer management information storage means When the payroll transfer data from the transfer person of the work place information recorded in is acquired, the reserve amount recorded in the remittance condition information is specified, and the reserve amount not exceeding the salary amount is transferred to the reserve account. Is the gist.

  The invention described in claim 3 is the overseas remittance system according to claim 1, further comprising deposit / withdrawal history information storage means storing information relating to the deposit account, transaction contents and amount of the overseas remittator, and the control means Specifies the salary transfer from the transferor of the work place information recorded in the remittance management information storage means in the deposit account of the overseas remittance account, and the reserve amount within the range not exceeding the salary amount is saved from the deposit account The gist is to transfer the money.

  According to a fourth aspect of the present invention, in the overseas remittance system according to any one of the first to third aspects, the control means is configured such that the accumulated amount in the accumulated account exceeds an amount determined in the remittance condition information. In this case, the gist is to execute the remittance processing to the remittance destination specified in the remittance condition information.

  According to a fifth aspect of the present invention, in the overseas remittance system according to any one of the first to fourth aspects, the control means is an overseas remittance service that requests remittance to an overseas remittance destination in the remittance processing. Means for acquiring a received password from the management server, wherein the remittance notifying means notifies the contact information of the overseas remitter of the acquired received password.

  The invention described in claim 6 is an asset refrigerating system in which the foreign remittance system according to any one of claims 1 to 5 is stored with the foreign currency exchange and foreign trade law asset freezer information associated with the remittance destination. The information freezer information is further acquired from the asset freezer information storage unit, and remittance is performed on the condition that the repatriation destination is not included in the asset freezer information. The gist.

  The invention described in claim 7 is a remittance management information storage means storing remittance management information in which overseas remittance information, work place information, remittance condition information is set for each funded account, and communication for each overseas remittator. An overseas remittance method for performing remittance using the balance of the reserve account using an overseas remittance system comprising contact information storage means storing destination information and control means, wherein the control means comprises A deposit processing step for executing a deposit process for depositing a part of salary to be paid to the overseas remittance from the transferor of the employer information recorded in the remittance management information storage means, When the remittance conditions specified in the remittance management information are satisfied in the funded account, the overseas remittance destination set in the remittance condition information is specified, and the remittance amount set from the remittance condition information for the overseas remittance destination send money The remittance processing stage for executing the remittance processing, and the contact information of the overseas remittance of the reserve account in the remittance processing is acquired from the contact information storage means, and the remittance processing is notified to this contact And executing the remittance notification stage.

(Function)
According to the present invention, the control means deposits a part of the salary paid to the overseas remittance from the transferee of the work place information recorded in the remittance management information storage means into the fund account of the overseas remittor. Execute the process. The control means identifies the overseas remittance set in the remittance condition information when the remittance condition specified in the remittance management information is satisfied in the funded account, and is set from the remittance condition information for this overseas remittance destination. Execute the remittance process to remit the specified remittance amount. The control means acquires contact information of the overseas sender of the funded account in the remittance process from the contact information storage means, and notifies the contact that the remittance process has been performed. For this reason, when a part of the salary is deposited and accumulated in a reserve account and the remittance conditions are satisfied, the remittance is automatically made to the overseas remittance destination. Therefore, a part of the salary can be efficiently transferred while considering the convenience of overseas remittance. Furthermore, since the notification is made after the remittance process is performed, the overseas remittance can accurately grasp that the remittance process has been performed.

  According to the present invention, the control means specifies the reserve amount recorded in the remittance condition information when acquiring the payroll transfer data from the transfer person of the work place information recorded in the remittance management information storage means, Transfer the amount of funding that does not exceed the amount to the funded account. For this reason, a part of salary that does not exceed the salary amount can be automatically accumulated for overseas remittance.

  According to the present invention, the control means specifies the salary transfer from the transfer person of the work place information recorded in the remittance management information storage means in the deposit account of the overseas remittance, and the reserve amount within a range not exceeding the salary amount To the funded account. For this reason, a part of salary can be automatically saved for overseas remittance.

  According to the present invention, the control means executes a remittance process to the remittance destination determined in the remittance condition information when the accumulated amount in the accumulation account exceeds the amount determined in the remittance condition information. For this reason, if the amount is less than or equal to the amount determined by the overseas remittance, the remittance is not performed until the amount determined in the remittance condition information is exceeded. Therefore, remittance is performed after the amount is settled, so that remittance can be performed efficiently.

  According to the present invention, in the remittance process, the control means acquires the received password from the management server of the overseas remittance service that has requested remittance to the overseas remittance destination. The control means notifies the acquired payment password to the contact information of the overseas remittance. For this reason, it is possible to send money to a recipient who does not have an account by notifying the recipient of the receipt password from the overseas sender.

  According to the present invention, the control means acquires the asset freezer information of the foreign exchange and foreign trade law for the remittance destination, and performs remittance on the condition that the remittance destination is not included in the asset freezer information. For this reason, overseas remittance can be automatically made after confirming that the remittance destination is not an asset freezer.

  According to the present invention, a part of salary can be transferred efficiently.

The schematic block diagram of the overseas remittance system of 1st Embodiment of this invention. It is a figure explaining the data structure of the data storage part of 1st Embodiment of this invention, (a) is a deposit account management data storage part, (b) is a reserve account management data storage part, (c) is customer management. A data storage unit, (d) a funding object management data storage unit, (e) a remittance condition management data storage unit, (f) a deposit / withdrawal history data storage unit, and (g) a remittance record data storage unit. Explanatory drawing explaining the process sequence of the money_receiving | payment process of 1st Embodiment of this invention. Explanatory drawing explaining the process sequence of the remittance process of 1st Embodiment of this invention. Explanatory drawing explaining the process sequence of the money_receiving | payment process of 2nd Embodiment of this invention. Explanatory drawing explaining the process sequence of the money_receiving | payment process of 3rd Embodiment of this invention.

(First embodiment)
A first embodiment embodying the present invention will be described below with reference to FIGS. In the present embodiment, a system for providing a salary automatic reserve remittance service for accumulating a part of the salary of a foreign worker (overseas remittance) at a predetermined work company and repatriating the reserve overseas. To do.

  As shown in FIG. 1, a financial institution server 20 (domestic server) as an overseas remittance system of this embodiment is connected to an overseas financial institution server 31, an overseas remittance service server 32, and an overseas remittance terminal 50 via a network. Has been.

  The financial institution server 20 includes a control unit 21, a deposit account management data storage unit 22, a funded account management data storage unit 23, a customer management data storage unit 24, a funded object management data storage unit 25, a remittance condition management data storage unit 26, an input / output A gold history data storage unit 27, a remittance record data storage unit 28, and an asset freezer data storage unit 29 are provided.

  The control unit 21 functions as a control unit that manages a deposit account opened in a financial institution, and includes a CPU, a RAM, a ROM, and the like (not shown), and processes (payment process stage, remittance process stage, remittance notification stage, etc.) described later. (Including processing). By executing the overseas remittance program for this purpose, the control unit 21 functions as a salary transfer processing unit 211, a reserve management unit 212, a remittance management unit 213, a notification destination update unit 214, and the like.

The salary transfer processing unit 211 executes salary transfer processing using salary transfer data.
The accumulation management unit 212 functions as a deposit processing unit, and executes a transfer process to the accumulated deposit account when the accumulation condition is satisfied. In the present embodiment, the reserve management means 212 transfers the reserve specified amount within the transferred salary amount to the reserve deposit account.

  The remittance management unit 213 functions as a remittance processing unit, and executes an overseas remittance execution process from a funded deposit account when the remittance execution condition is satisfied. Furthermore, the remittance management unit 213 functions as a remittance notification unit, and notifies an overseas remittator when an overseas remittance execution process is executed.

  The notification destination update unit 214 manages the contact information of registered overseas remittance. Specifically, when the contact with the overseas remittance could not be made, a process for inquiring the contact address and updating the contact address is executed.

  As shown in FIG. 2A, the deposit account management data storage unit 22 stores a deposit account management record 220 for managing the deposit account. This deposit account management record 220 is recorded when a new deposit account is opened. The deposit account management record 220 includes data relating to an account identifier, a customer identifier, and an account balance.

Data relating to an identifier (account identifier) for specifying each deposit account is recorded in the account identifier data area.
In the customer identifier data area, data relating to an identifier (customer identifier) for specifying a customer who is the holder of the deposit account is recorded.

Data related to the balance of the deposit account is recorded in the account balance data area.
The funded account management data storage unit 23 functions as a funded condition information storage unit, and stores a funded account management record 230 for managing the funded account as shown in FIG. This reserve account management record 230 is recorded when the use registration of this service is performed. The funded account management record 230 includes data related to an account identifier, a transfer source account identifier, a customer identifier, a funded balance, and a funding condition.

In the account identifier data area, data related to an identifier (account identifier) for specifying each funded account opened to use the service is recorded.
In the transfer source account identifier data area, data relating to the identifier of the deposit account to which funds are transferred to the reserve account is recorded.

  In the customer identifier data area, data relating to an identifier (customer identifier) for identifying a customer who has registered for use of the service and who is the holder of the reserve account is recorded.

Data relating to the balance of the reserve account is recorded in the reserve balance data area.
In the funding condition data area, data relating to conditions for depositing an amount into the funding account is recorded. This funding condition includes data relating to the amount of money to be funded at once (funded designation amount).

  The customer management data storage unit 24 functions as a contact information storage unit, and stores a customer management record 240 related to a customer who has registered for use of this service, as shown in FIG. This customer management record 240 is recorded when use registration of this service is accepted. The customer management record 240 includes data relating to the customer identifier, customer name, and contact information.

  In the customer identifier data area, data relating to an identifier (customer identifier) for specifying each customer who has an account is recorded. Via this customer identifier, the customer management record 240 is associated with the deposit account management record 220 and the funded account management record 230.

Data relating to the customer name is recorded in the customer name data area.
In the contact data area, data related to the customer's contact information is recorded. In the present embodiment, the contact information includes the customer's address, telephone number, and e-mail address.

  As shown in FIG. 2D, the accumulation object management data storage unit 25 stores a accumulation object management list 250 for specifying a deposit account to be accumulated at the time of salary transfer. This funding management list 250 is updated and recorded when there is an application from the employer company for those who wish to use or stop using this service. The accumulation target management list 250 includes data relating to the employer company identifier and the account identifier.

In the employer company identifier data area, data relating to an identifier (customer identifier) for identifying a company to be paid for foreign workers is recorded.
In the account identifier data area, data relating to the account identifier of a deposit account (salary transfer account) into which the salary of a foreign worker who uses this service is deposited is recorded. In this data area, all salary transfer accounts of users of the service in this company are recorded.

  The remittance condition management data storage unit 26 functions as a remittance management information storage unit, and stores a remittance condition management record 260 relating to conditions for automatically performing overseas remittance from a funded account, as shown in FIG. ing. This remittance condition management record 260 is recorded when a new automatic remittance application is applied. The remittance condition management record 260 includes data relating to the fund account identifier, remittance execution conditions, remittance method, and remittance destination.

In the accumulation account identifier data area, data relating to an account identifier for specifying an account for accumulating funds for remittance is recorded.
In the remittance execution condition data area, data relating to conditions for remittance is recorded. This remittance condition includes data relating to remittance timing and remittance designated amount. For the remittance timing, for example, a time interval for remittance such as “every 3 months” or an amount of remittance such as “100,000 yen” (remittance designated amount in this embodiment) is used.

  In the remittance method data area, data specifying a method of remittance abroad is recorded. Specifically, a flag that specifies either financial institution account transfer or use of an overseas remittance service is recorded. The financial institution account transfer flag indicates that the remittance method is a transfer to an overseas financial institution account. The overseas remittance service use flag indicates that the remittance method uses an overseas remittance service.

  In the remittance destination data area, data relating to a remittance recipient (remittance destination) when performing overseas remittance from this account is recorded. In the present embodiment, when a financial institution account transfer flag is recorded in the remittance method data area, the remittance destination data area contains information necessary for making a transfer to the account as the remittance destination (overseas financial institution). Specific information, remittance destination account specific information) is recorded. In addition, when the overseas remittance service use flag is recorded in the remittance method data area, the remittance destination data area includes data relating to the recipient information (the recipient's country, address, name, etc.).

  The deposit / withdrawal history data storage unit 27 functions as a deposit / withdrawal history information storage unit, and stores a deposit / withdrawal history record 270 related to a customer's account opened in a bank as shown in FIG. The deposit / withdrawal history record 270 is recorded when transaction processing is performed using an account. The deposit / withdrawal history record 270 includes data relating to an account identifier, a supplier identifier, a transaction date, a description, a transaction amount, and a balance.

In the account identifier data area, data relating to an identifier (account identifier) for specifying the account where the deposit / withdrawal has been made is recorded.
In the supplier identifier data area, data relating to the account identifier of the account of the other party (for example, the account of the depositing transfer or the depositing destination) that has made transactions with respect to the account in which the deposit / withdraw was performed is recorded.

In the transaction date data area, data relating to the date on which transactions such as deposits and withdrawals were made in this account is recorded.
In the summary data area, the summary is recorded with data relating to transaction contents related to deposit or withdrawal. For example, in the case of pay transfer to this account, data indicating transaction details such as “salary” is recorded as a summary.

In the transaction amount data area, data relating to the amount deposited into this account and the amount withdrawn from this account are recorded.
In the balance data area, data relating to the balance of the account after the transaction is recorded.

  As shown in FIG. 2G, the remittance record data storage unit 28 stores a remittance record record 280 related to remittance. This remittance record record 280 is recorded when remittance is performed. The remittance record record 280 includes data relating to remittance management identifier, account identifier, remittance destination, remittance date, remittance amount, remittance result, receipt information, and transmission result flag.

In the remittance management identifier data area, data relating to an identifier (remittance management identifier) for specifying remittance processing is recorded.
In the account identifier data area, data relating to an identifier for specifying an account withdrawn for remittance is recorded.

In the remittance destination data area, data relating to the remittance recipient (remittance destination) is recorded.
In the remittance date and time data area, data relating to the date and time when the remittance process was executed is recorded.

  In the remittance amount data area, data relating to the remittance amount is recorded. In the present embodiment, a remittance designated amount designated in yen and a local amount obtained by converting this remittance designated amount at the exchange rate of the remittance destination country are recorded.

  Data relating to the result of the remittance process is recorded in the remittance result data area. In this embodiment, a remittance completion flag indicating “remittance completion” or a non-remittance flag indicating “no remittance” is recorded as a remittance result. Further, when the remittance impossible flag is recorded, the “reason for remittance” is also recorded.

  In the receipt information data area, data relating to information necessary for the recipient to receive the remittance is recorded. As this receipt information, an account number, a receipt location, a receipt password, and the like are used.

  In the transmission result flag data area, data relating to the result of transmitting the remittance result / reception information to the overseas remittance is recorded. In this embodiment, a transmission completion flag indicating “transmission completion” or a transmission error flag indicating “transmission error” is recorded as a transmission result.

  The asset freezer data storage unit 29 functions as an asset freezer information storage unit, and stores an asset freezer list of foreign exchange and foreign trade law (abbreviated as “foreign exchange law”). This asset freezer list is composed of asset freezer records (such as the country, address and name of the recipient of the remittance, and remittance account identification information) regarding each asset freezer.

  Further, the financial institution server 20 is connected to input means, display means, and printing means (not shown). The input means is a keyboard or pointing device, and data and instructions are input. The display means is a display and displays an instruction for mailing the guidance. The printing means is a printer and prints remittance information.

  On the other hand, the overseas financial institution server 31 connected to the financial institution server 20 is a server managed by an overseas financial institution. The overseas financial institution server 31 manages the deposit account opened in this financial institution. When receiving the remittance request from the financial institution server 20, the overseas financial institution server 31 executes an account transfer process based on the remittance request and transmits the remittance result to the financial institution server 20.

  The overseas remittance service server 32 is a server of a remittance company that provides a remittance service overseas. The overseas remittance service server 32 receives a remittance request from the financial institution server 20 via the network and performs remittance. Then, the overseas remittance service server 32 transmits the receipt information determined according to the remittance request to the financial institution server 20.

  The overseas remittance terminal 50 is a computer terminal used by an overseas remittance who uses this automatic salary savings remittance service. Using this overseas remitter terminal 50, the overseas remitter receives a remittance result, changes a contact address, and the like. The overseas remittance terminal 50 includes input means and display means. The input means is a keyboard, a pointing device, or the like, through which an instruction to display the contents received from the financial institution server 20 is given. The display means is a display or the like, and displays the remittance result or receipt information received from the financial institution server 20 on the screen.

  A processing procedure in the case where a part of the salary transferred to an overseas remittance account is transferred overseas using the system configured as described above will be described. Here, it demonstrates in order of a money_receiving | payment process (FIG. 3) and a remittance execution process (FIG. 4).

(Deposit processing)
First, the depositing process performed when salary is deposited in the deposit account of the overseas remittance will be described with reference to FIG.

  The control unit 21 of the financial institution server 20 executes a salary transfer process (step S1-1). Specifically, the salary transfer processing unit 211 of the control unit 21 acquires salary transfer data provided from a company. This salary transfer data includes data on salary payment source information and salary transfer information. The salary payment source information includes the salary payment company identifier, the salary payment source account identifier, the total salary, and the salary transfer date. The salary payment company identifier is an identifier for identifying the company that pays the salary. The salary payment source account identifier is an account identifier that identifies an account used by the salary payment company for salary payment. The total salary is the total salary transfer amount paid from this account. The salary transfer information includes the account identifier of the deposit account for each recipient who receives salary and the salary transfer amount for each account identifier.

  Then, the salary transfer processing unit 211 of the control unit 21 withdraws the total salary from the salary payment source account. Specifically, the total salary is subtracted from the account balance of the deposit account management record 220 in which the salary payment source account identifier is recorded.

  Next, the salary transfer processing means 211 deposits the salary amount into each deposit account recorded in the salary transfer data. Specifically, the salary is added to the account balance of the deposit account management record 220 of each deposit account.

  Further, the salary transfer processing unit 211 generates a deposit / withdrawal history record 270 that records the transfer of the salary amount, and registers it in the deposit / withdrawal history data storage unit 27. In this case, “salary” is recorded in the summary data area of the deposit / withdrawal history record 270.

  Next, the control part 21 of the financial institution server 20 performs the accumulation account specific process (step S1-2). Specifically, the accumulation management means 212 of the control unit 21 searches the accumulation object management data storage unit 25 for the accumulation object management list 250 in which the salary payment company identifier included in the salary transfer data is recorded as the employer company identifier. . Here, when the accumulation object management list 250 in which the salary payment company identifier of the salary transfer data is recorded cannot be extracted, the accumulation management means 212 of the control unit 21 ends the deposit process.

  On the other hand, when the accumulation target management list 250 in which the salary payment company identifier of the salary transfer data is recorded is extracted, the accumulation management unit 212 of the control unit 21 acquires each account identifier of the extracted accumulation target management list 250. . And the control part 21 of the financial institution server 20 repeatedly performs the following processes for every processing object account of the specified account identifier.

  First, the control unit 21 of the financial institution server 20 executes accumulation condition acquisition processing (step S1-3). Specifically, the fund management unit 212 of the control unit 21 extracts the fund account management record 230 in which the account identifier of the processing target account is recorded as the transfer source account identifier from the fund account management data storage unit 23. Then, the fund management unit 212 of the control unit 21 specifies the funding conditions recorded in the extracted fund account management record 230.

  Next, the control part 21 of the financial institution server 20 performs the determination process about whether the funding conditions are satisfied (step S1-4). Specifically, the accumulation management means 212 of the control unit 21 makes a determination by comparing the salary transfer amount of the received salary transfer data with the accumulation specified amount of the accumulation condition.

When the salary transfer amount is less than or equal to the reserve amount, the funding condition is not satisfied (step S1)
In the case of “NO” in −4), the fund management means 212 of the control unit 21 ends the processing for the fund account. And the process after step S1-3 is repeatedly performed about the other unprocessed account among the accounts of the specified account identifier.

  On the other hand, since the salary transfer amount is higher than the reserve specified amount, if the reserve condition is satisfied (in the case of “YES” in step S1-4), the control unit 21 of the financial institution server 20 specifies the reserve from the deposit account to the reserve account. The amount deposit execution process is executed (step S1-5). Specifically, the reserve management means 212 of the control unit 21 calculates and updates a new account balance by subtracting the reserve designation amount from the account balance of the deposit account management record 220 of this account identifier. Next, the reserve management means 212 of the control unit 21 calculates and updates a new reserve balance by adding the reserve designation amount of the reserve condition to the reserve balance of the reserve account management record 230.

  Furthermore, the accumulation management means 212 of the control unit 21 generates a deposit / withdrawal history record 270 including the account identifier of the deposit account and the account identifier of the accumulated account, and records it in the deposit / withdrawal history data storage unit 27. Then, the reserve management unit 212 records the transaction date of the current date, the reserve specified amount, and the “fund transfer” in each deposit / withdrawal history record 270. Furthermore, the fund management means 212 records the calculated account balance in the deposit / withdrawal history record 270 using the deposit account as an account identifier. Further, the reserve management means 212 records the calculated reserve balance in the deposit / withdrawal history record 270 using the reserve account as an account identifier.

  And the control part 21 of the financial institution server 20 complete | finishes a payment process by complete | finishing the process of step S1-3-S1-5 mentioned above about each reserve account specified in step S1-2.

(Remittance processing)
Next, a remittance process executed when depositing into a reserve account will be described with reference to FIG. Here, the control unit 21 executes the following processing for each of the funded accounts for which the funding processing in FIG. 3 has been performed.

  First, the control unit 21 of the financial institution server 20 executes remittance condition acquisition processing for the funded account (step S2-1). Specifically, the remittance management means 213 of the control unit 21 extracts from the remittance condition management data storage unit 26 the remittance condition management record 260 in which the accumulated account identifier to be processed is recorded.

Next, the control part 21 of the financial institution server 20 performs the determination process about whether the remittance execution conditions are satisfied (step S2-2).
Here, if the time interval is recorded in the remittance timing data area of the remittance condition in the extracted remittance condition management record 260, the control unit 21 determines whether the remittance interval has elapsed since the previous remittance time. Judge whether or not. Specifically, the remittance management means 213 of the control unit 21 searches the remittance record data storage unit 28 for a remittance record record 280 in which the accumulated account identifier is recorded. When the remittance record 280 in which this funded account identifier is recorded is extracted, the remittance management means 213 specifies the last remittance date in this record. Then, the remittance management unit 213 calculates the elapsed period from the last remittance date, and compares the elapsed period with the time interval of the transmission timing.

  If the elapsed period from the last remittance date is shorter than the transmission interval, the remittance management means 213 of the control unit 21 determines that the remittance execution condition is not satisfied (“NO” in step S2-2). In this case, the remittance management means 213 of the control unit 21 ends the remittance process for this funded account. And the control part 21 performs the process after step S2-1 about another reserve account.

  On the other hand, when the elapsed period from the last remittance date is equal to or longer than the transmission interval, or when the remittance record record 280 in which the accumulated account identifier is recorded is not extracted, the remittance management means 213 of the control unit 21 determines the previous remittance time. Therefore, it is determined that the remittance interval has elapsed. In this case, the remittance management unit 213 determines that the remittance execution condition is satisfied (“YES” in step S2-2).

  In addition, when the remittance specified amount is recorded in the remittance timing data area of the remittance condition in the extracted remittance condition management record 260, the control unit 21 determines whether or not the accumulated balance is equal to or greater than the remittance specified amount. to decide. Specifically, the remittance management unit 213 of the control unit 21 compares the remittance specified amount included in the remittance condition with the accumulated balance of the accumulated account management record 230 in which the account identifier of the accumulated account is recorded. Here, when the reserve balance is lower than the designated remittance amount, the remittance management unit 213 of the control unit 21 determines that the remittance execution condition is not satisfied ("NO" in step S2-2).

On the other hand, when the accumulated balance is equal to or greater than the remittance designated amount, the remittance management means 213 of the control unit 21 determines that the remittance execution condition is satisfied (“YES” in step S2-2).
When it is determined that the remittance execution condition is satisfied ("YES" in step S2-2), the control unit 21 of the financial institution server 20 executes remittance destination information acquisition processing (step S2-3). . Specifically, the remittance management means 213 of the control unit 21 extracts the data recorded in the remittance destination data area in the remittance condition management record 260.

  Next, the control part 21 of the financial institution server 20 performs the determination process about whether there is a problem in a remittance destination (step S2-4). Specifically, the remittance management unit 213 of the control unit 21 does not store the asset freezer record that matches the remittance destination (country, address and name of the recipient of the remittance) in the asset freezer data storage unit 29. Check whether or not. Here, when the remittance destination is registered in the asset freezer list and there is a problem in the remittance destination (in the case of “NO” in step S2-4), the control unit 21 of the financial institution server 20 makes this accumulation. End the remittance process for the account.

  On the other hand, if the remittance destination is not registered in the asset freezer list and there is no problem with the remittance destination (“YES” in step S2-4), the control unit 21 of the financial institution server 20 sends the overseas remittance. An execution process is executed (step S2-5). Specifically, the remittance management means 213 of the control unit 21 assigns a remittance management identifier, generates a remittance record record 280 including this, and records it in the remittance record data storage unit 28. In this case, the remittance management means 213 records the fund account identifier, the remittance destination of the remittance condition management record 260 and the current date in this remittance record record 280.

  Next, the remittance management means 213 obtains the exchange rate of the currency in the country of the remittance for the designated remittance amount and converts it to a local amount using this exchange rate. The remittance management unit 213 records the designated remittance amount and the local amount in the remittance amount data area of the remittance record record 280.

  Further, the remittance management means 213 calculates a new reserve balance by subtracting the remittance designated amount from the reserve balance of the reserve account management record 230. The remittance management means 213 generates a deposit / withdrawal history record 270 including the account identifier of the funded account management record 230 and stores it in the deposit / withdrawal history data storage unit 27. The remittance management unit 213 records the current date, the transaction details of “overseas remittance”, the designated remittance amount, and the new reserve balance in the deposit / withdrawal history record 270.

And the control part 21 of the financial institution server 20 transmits an overseas remittance request using remittance destination data. Here, when the financial institution account transfer flag is recorded in the remittance method data area of the remittance condition management record 260, the remittance management means 213 of the control unit 21 remits money from the overseas financial institution specifying information of the remittance destination data. The previous overseas financial institution server 31 is specified. Then, the remittance management unit 213 of the control unit 21 transmits a remittance request including the remittance destination account specifying information of the remittance destination data and the remittance amount to the specified overseas financial institution server 31. This remittance request includes a remittance management identifier.

  The overseas financial institution server 31 executes an account transfer process based on the received remittance request. Specifically, the overseas financial institution server 31 transfers the remittance amount to the account specified by the remittance destination account specifying information. Here, the overseas financial institution server 31 transmits a remittance completion notice to the financial institution server 20 when the transfer to the account designated as the remittance destination is completed. Further, when the transfer is not completed due to reasons such as the absence of the account designated as the remittance destination, the overseas financial institution server 31 transmits a non-remittance notice including the reason for non-remittance to the financial institution server 20. . In this case, the overseas financial institution server 31 transmits a remittance management identifier and receipt information (an account identifier of an account for which remittance is specified) together with a remittance completion notice or a remittance impossibility notice.

  The control unit 21 of the financial institution server 20 receives a remittance completion notice or a remittance impossible notice together with a remittance management identifier and receipt information. The control unit 21 specifies the remittance record record 280 including the remittance management identifier in the remittance record data storage unit 28, and the remittance result flag (remittance completion flag or remittance impossible flag) corresponding to the received notification and receipt information (account identifier). ).

  When the overseas remittance service use flag is recorded in the remittance method data area of the remittance condition management record 260, the remittance management means 213 of the control unit 21 sends the country and address of the remittance recipient information of the remittance data. Is used to identify the overseas remittance service server 32 of the remittance company that is performing remittance in this area. Then, the remittance management unit 213 of the control unit 21 transmits a remittance request including the remittance recipient information and the remittance amount to the specified overseas remittance service server 32. This remittance request includes a remittance management identifier.

  The overseas remittance service server 32 determines receiving information (receiving location and receiving password) for receiving a remittance by the payee specified by the remittance payee information, and transmits it to the financial institution server 20. In this case, the overseas remittance service server 32 transmits the remittance management identifier along with the receipt information.

  The control unit 21 of the financial institution server 20 receives the remittance management identifier to be processed together with the receipt information. The control unit 21 specifies the remittance record record 280 including the received remittance management identifier in the remittance record data storage unit 28, and records the received information.

  Then, the control part 21 of the financial institution server 20 performs the specific process of the contact information of an overseas remittance (step S2-6). Specifically, the remittance management unit 213 of the control unit 21 specifies the customer identifier of the funded account management record 230 in which the account identifier of the remittance record record 280 that records the received information is recorded. Then, the remittance management means 213 extracts the contact e-mail address recorded in the customer management record 240 in which the customer identifier is recorded.

  Next, the control unit 21 of the financial institution server 20 executes a remittance result / reception information transmission process for the overseas remittance (step S2-7). Specifically, the remittance management unit 213 of the control unit 21 performs a remittance result flag and reception information transmission process on the extracted mail address.

When the transmission is completed, the remittance management unit 213 of the control unit 21 records a transmission completion flag in the remittance record record 280. If the transmission cannot be completed due to unknown e-mail address or the like, the remittance management means 213 of the control unit 21 records a transmission error flag in the remittance record record 280.

  Next, the control part 21 of the financial institution server 20 performs the determination process about whether transmission was completed (step S2-8). Here, the remittance management means 213 of the control unit 21 executes determination processing based on the flag recorded in the transmission result flag data area of the remittance record record 280.

  Here, when the transmission of the remittance result / receipt information is not completed because the transmission error flag is recorded (in the case of “NO” in step S2-8), the control unit 21 of the financial institution server 20 Remittance information printing and notification means re-registration guidance processing is executed (step S2-9). Specifically, the remittance management means 213 of the control unit 21 uses this remittance record record 280 to generate remittance information print data and transmits it to a printer (not shown). The printer outputs a printed matter on which remittance information including remittance management identifier, account identifier, remittance destination, remittance date, remittance amount, remittance result, and receipt information of remittance record record 280 is recorded.

  Then, the control unit 21 provides re-registration guidance to the overseas remittance company. Specifically, the notification destination updating unit 214 of the control unit 21 extracts the funded account management record 230 in which the account identifier of the remittance record record 280 is recorded, and the funded account in which the transfer source account identifier of this record is recorded. The target management list 250 is extracted, and the customer management record 240 in which the work company identifier of this record is recorded is extracted. Then, the notification destination update unit 214 re-registers the account identifier of the remittance record record 280 with respect to the contact mail address of the customer management record 240 and updates the contact information of the overseas remittance having the account identifier. Send a registration invitation email. The re-registration guide may be mailed to the overseas remittance company. In this case, the control unit 21 acquires the address included in the contact information from the customer management record 240 of the overseas remittance company. And the control part 21 produces | generates the printing data containing the content of a customer's address and re-registration guidance, and prints it with a printer. The person in charge at the financial institution mails the printed guidance to the customer's address.

  The company that has received the re-registration guidance mail notifies the overseas remittator associated with the account identifier included in the mail to update the contact information to the financial institution. Thereafter, when a new contact information is acquired from the overseas remittance, the control unit 21 of the financial institution server 20 executes notification means re-registration processing (step S2-10). In this case, the control unit 21 acquires the contact information together with the customer identifier and customer name of the overseas remittance. Then, the remittance management means 213 of the control unit 21 records the acquired new contact information in the contact data area of the customer management record 240 that matches the acquired customer identifier and customer name.

And the control part 21 of the financial institution server 20 repeatedly performs the process after step S2-6.
On the other hand, when the transmission of the remittance result / reception information is completed (“YES” in step S2-8), the control unit 21 of the financial institution server 20 completes the remittance process.

According to this embodiment, the following effects can be obtained.
(1) In the present embodiment, the control unit 21 of the financial institution server 20 determines whether or not a funded condition is satisfied for the funded account. Here, when the salary transfer amount and the account balance of the deposit account are larger than the reserve designation amount of the reserve condition, the control unit 21 determines that the reserve condition is satisfied and determines the reserve designation amount from the deposit account to the reserve account. Is executed (step S1-5). Thereafter, when the remittance condition is satisfied for the fund account, the control unit 21 executes an overseas remittance process on the remittance destination (step S2-5). For this reason, when a part of the salary is deposited and accumulated in a reserve account and the remittance conditions are satisfied, the remittance can be automatically made to the overseas remittance destination. Therefore, a part of the salary can be efficiently transferred while considering the convenience of overseas remittance.

  (2) In the present embodiment, the control unit 21 determines that the remittance condition is satisfied when the remittance interval has elapsed from the previous remittance timing or when the accumulated balance is equal to or greater than the remittance specified amount (step In S2-2, “YES”), an overseas remittance process is executed (step S2-5). For this reason, remittance is not performed when the amount is less than or equal to the amount determined by the overseas remittance or when a predetermined remittance interval has not elapsed. Therefore, remittance is performed after the amount is settled, so that remittance can be performed efficiently.

  (3) In the present embodiment, the control unit 21 determines whether or not the funding condition is satisfied for the funded account immediately after the execution of the salary transfer process. For this reason, a part of salary can be automatically saved for overseas remittance.

  (4) In the present embodiment, the control unit 21 determines that the overseas remittance service use flag is recorded in the remittance method data area of the remittance condition management record 260 in the overseas remittance process (step S2-5). The remittance processing is executed using the remittance destination data of the remittance condition management record 260. In this case, the control part 21 specifies the overseas remittance service server 32 of the remittance company that is performing remittance in this area using remittance destination data. The control unit 21 transmits a remittance request including the remittance recipient information and the remittance amount to the overseas remittance service server 32. After that, the control unit 21 receives from the overseas remittance service server 32 receipt information (reception location and receipt password) for the recipient specified by the remittance recipient information to receive the remittance, and sends this receipt information to the overseas remittor. It transmits to (step S2-7). For this reason, it is possible to send money to a recipient who does not have an account by notifying the recipient of the receipt password from the overseas sender.

  (5) In the present embodiment, after executing the overseas remittance execution process, the control unit 21 of the financial institution server 20 specifies the contact information of the overseas remittance and sends the remittance result / receipt information to the overseas remittor. Is transmitted (steps S2-5 to S2-7). Therefore, the overseas remittance can grasp that the overseas remittance execution process has been performed, and the remittance result and receipt information in the process.

  (6) In the present embodiment, when the funding condition is satisfied (“YES” in step S2-2), the control unit 21 determines that the asset freezer record that matches the remittance destination is the asset freezer data storage unit 29. It is confirmed whether it is not memorized. Then, when there is no problem in the remittance destination (in the case of “YES” in step S2-4), the control unit 21 executes the overseas remittance process (step S2-5). For this reason, after confirming that the remittance destination is not an asset freezer, overseas remittance can be carried out smoothly.

(Second Embodiment)
Next, a second embodiment of the present invention will be described with reference to FIG. In the second embodiment, the deposit process is different from that in the first embodiment, and the deposit process from the deposit account to the reserve account is executed on the accumulation designation date. Since the processes other than the deposit process are the same as those in the first embodiment, detailed description thereof will be omitted.

  The control unit 21 of the financial institution server 20 executes the accumulation account specifying process in which the current day is the accumulation designation date (step S3-1). Specifically, the fund management unit 212 of the control unit 21 extracts the fund account management record 230 whose current date is the funding designation date of the funding determination timing of the funding condition at a predetermined time every day. .

  Next, the control part 21 of the financial institution server 20 performs the acquisition process of payment information (step S3-2). Specifically, the accumulation management means 212 of the control unit 21 extracts the deposit account management record 220 in which the transfer source account identifier of each extracted accumulation account management record 230 is recorded. The accumulation management means 212 extracts the deposit / withdrawal history record 270 in which the account identifier of the extracted deposit account management record 220 is recorded in the deposit / withdrawal history data storage unit 27.

  Next, the control unit 21 of the financial institution server 20 executes processing for specifying the amount of money whose summary is “salary transfer” (step S3-3). Here, the control unit 21 searches for records in which “salary transfer” is recorded in the record summary data area after the previous accumulation date. Specifically, the fund management means 212 of the control unit 21 specifies the transaction date of the latest deposit / withdrawal history record 270 in which “fund transfer” is recorded in the summary data area among the deposit / withdrawal history records 270. . The fund management means 212 extracts a record in which “salary transfer” is recorded in the record summary data area after the transaction date from the deposit / withdrawal history record 270 extracted in step S3-2. Here, when the corresponding record cannot be extracted, the accumulation management unit 212 ends the deposit process.

When the deposit / withdrawal history record 270 in which “payment transfer” is recorded in the summary data area after the previous accumulation date is extracted, the control unit 21 of the financial institution server 20 determines whether or not the accumulation condition is satisfied. (Step S3-4). In the present embodiment, the fund management means 212 of the control unit 21 compares the transaction amount (pay deposit amount) recorded in the extracted deposit / withdrawal history record 270 with the reserve designation amount of the funding condition. Note that, when there are a plurality of extracted deposit / withdrawal history records 270, the accumulation management unit 212 compares the total of these transaction amounts with the accumulation designation amount of the accumulation condition.
Here, when the transaction amount is higher than the reserve designation amount, the reserve management means 212 of the control unit 21 compares the account balance of the deposit account management record 220 with the reserve designation amount.

  When both the salary deposit amount and the account balance are higher than the reserve specified amount and satisfy the reserve condition ("YES" in step S3-4), the control unit 21 of the financial institution server 20 A deposit execution process for the specified reserve amount is executed (step S3-5). In this case, the control unit 21 performs the update process of the account balance of the deposit account management record 220, the update of the accumulated balance of the accumulated account management record 230, and the generation process of the deposit / withdrawal history record 270 in the same manner as Step S1-5 described above. To do.

  On the other hand, since at least one of the salary deposit amount and the account balance is equal to or less than the reserve amount, if the reserve condition is not satisfied (in the case of “NO” in step S3-4), the reserve management means 212 of the control unit 21 is Then, the deposit process for this funded account is terminated.

  And the control part 21 of the financial institution server 20 complete | finishes a payment process by having complete | finished the process of step S3-2-S3-5 mentioned above about each reserve account specified in step S3-1.

According to this embodiment, in addition to the same effects as the effects (1), (2) and (4) to (6), the following effects can be obtained.
(7) In the present embodiment, the control unit 21 of the financial institution server 20 specifies the amount of “salary transfer” in the accumulation account whose today is the accumulation designation date (step S3-3), and the accumulation condition Is satisfied (step S3-4). If the funding condition is satisfied, the control unit 21 executes a process for depositing the funded designated amount to the funded account (step S3-5). For this reason, the control unit 21 can automatically reserve a part of the salary not exceeding the salary amount for overseas remittance on the accumulation designation date without being linked with the salary transfer.

(Third embodiment)
Next, a third embodiment of the present invention will be described with reference to FIG. In the present embodiment, the deposit process is different from that in the first embodiment, and a part of the salary is deposited in the funded account in the employer company. Since the processes other than the deposit process are the same as those in the first embodiment, detailed description thereof will be omitted.

  In the deposit process of the present embodiment, the control unit 21 of the financial institution server 20 executes a transfer information acquisition process (step S4-1). Specifically, the fund management means 212 of the control unit 21 acquires transfer data provided from a company. This transfer data includes a working company account identifier, a funded account identifier of the transfer destination, and a transfer amount.

  Next, the control part 21 of the financial institution server 20 performs the payment execution process to a reserve account (step S4-2). Specifically, the accumulation management means 212 of the control unit 21 subtracts the transfer amount of the transfer data from the account balance of the deposit account management record 220 in which the work company account identifier of the transfer data is recorded. Furthermore, the reserve management means 212 adds the transfer amount of the transfer data to the reserve balance of the reserve account management record 230 in which the acquired account identifier of the acquired transfer data is recorded.

  Then, the accumulation management means 212 of the control unit 21 generates a deposit / withdrawal history record 270 including the account identifier of the transfer source account and the account identifier of the accumulated account, and records it in the deposit / withdrawal history data storage unit 27. In this case, the accumulation management means 212 has a deposit / withdrawal history record 270 with the account identifier of the deposit account and the account identifier of the accumulated account as the account identifier and the supplier identifier, respectively, and a deposit / withdrawal history with the supplier identifier and the account identifier, respectively. A record 270 is generated and recorded. Further, the reserve management means 212 records the transaction date of the current date, the specified reserve amount, and “fund transfer” in these deposit / withdrawal history records 270.

  Then, the fund management unit 212 records the calculated account balance in the deposit / withdrawal history record 270 using the deposit account as an account identifier. Further, the reserve management means 212 records the calculated new reserve balance in the deposit / withdrawal history record 270 using the reserve account as an account identifier. The payment process of this embodiment is complete | finished by the above.

According to this embodiment, in addition to the same effects as the effects (1), (2) and (4) to (6), the following effects can be obtained.
(8) In the present embodiment, the control unit 21 of the financial institution server 20 executes a deposit execution process on the funded account based on the transfer data provided by the company (step S4-2). For this reason, a company that pays a salary can directly request payment to a funded account without once transferring a part of the salary to a deposit account.

Moreover, you may change the said embodiment as follows.
In the first embodiment, after the salary transfer is performed, the control unit 21 determines that the funding condition is satisfied when the salary transfer amount is higher than the reserve amount. The funding condition is not limited to the salary transfer amount. For example, a range in which the reserve designation amount does not exceed a predetermined reserveable ratio (for example, 80%) or a reserveable range amount with respect to the salary transfer amount may be used for the determination of the reserve condition. Specifically, the reserveable account management data storage unit 23 of the financial institution server 20 stores the reserveable ratio or the remaining amount as a reserve condition. In the determination process (step S1-4) as to whether or not the funding condition is satisfied, the control unit 21 acquires the fundable ratio or the remaining amount from the funding condition. If the reserveable ratio is registered, the reserveable range amount is calculated by multiplying the salary transfer amount of the received salary transfer data. When the remaining amount is registered, the reserveable amount is calculated by subtracting the remaining amount from the salary transfer amount. And the control part 21 compares this reserveable range amount with the reserve designation | designated amount of accumulation conditions. If the reserveable range amount is higher than the reserve specified amount and satisfies the reserve condition (in the case of “YES” in step S1-4), the deposit execution processing for the reserve specified amount from the deposit account to the reserve account is executed (step S1- 5). In this case, accumulation can be performed while leaving a part of the salary transfer amount in the deposit account.

  Further, it may be determined whether the salary transfer amount and the account balance of the deposit account are equal to or more than a specified reserve amount. Here, it is assumed that immediately after the salary transfer is performed, another automatic withdrawal is performed with priority over the accumulation. Specifically, in the determination process (step S1-4) as to whether or not the funding condition is satisfied, when the salary transfer amount is higher than the funding specified amount, the control unit 21 of the financial institution server 20 stores the fund account. It is determined whether or not the account balance of the deposit account management record 220 in which the transfer source account identifier of the management record 230 is recorded is higher than the reserve specified amount.

  And, since the salary transfer amount or the account balance of the deposit account is equal to or less than the designated reserve amount, if the accumulation condition is not satisfied (in the case of “NO” in step S1-4), the accumulation management means 212 of the control unit 21 The process for the fund account is terminated.

  On the other hand, when the salary transfer amount and the balance of the deposit account are higher than the reserve designation amount (in the case of “YES” in step S1-4), the reserve management means 212 of the control unit 21 designates reserve from the deposit account to the reserve account. The amount deposit execution process is executed (step S1-5). As a result, even when automatic withdrawal with a high priority is performed after the salary is transferred, the accumulation process can be accurately performed according to the balance.

  In each of the above embodiments, a predetermined amount is used as the reserve designation amount for the reserve condition stored in the reserve account management data storage unit 23. The reserve designation amount stored in the reserve condition is not limited to a fixed amount. For example, a predetermined amount of money for the salary may be used. Moreover, you may make it accumulate | store the money amount remove | excluding the fixed amount of living expenses from the salary amount. In this case, it is possible to remit the amount after securing the necessary expenses for foreign workers to live. Specifically, a calculation formula for calculating a reserve designation amount using a salary amount as a parameter is stored in the reserve condition. In the fund acquisition condition acquisition process (step S1-3), the control unit 21 substitutes the salary amount into the reserve designation amount calculation formula to calculate the reserve designation amount. When the deposit account has an amount equal to or greater than the reserve specified amount, the control unit 21 executes a deposit execution process for the reserve specified amount from the deposit account to the reserve account (step S1-5). In this case, an amount more suitable for the situation of the overseas remittance can be reserved for remittance.

In each of the above embodiments, the control unit 21 executes the overseas remittance process (step S2-5) that automatically remits money when the amount of the fund account satisfies the remittance execution condition. Alternatively, the remittance timing may be adjusted based on the exchange rate. In this case, an inquiry about whether or not remittance including information on the latest exchange rate fluctuation forecast of the remittance destination country is sent to the overseas remittance. Thereby, the overseas remittance can perform remittance while observing fluctuations in the exchange rate. By selecting the timing of remittance based on the exchange rate, the overseas remittance can remit more money to the remittance destination even if the designated remittance amount is remittance from Japan. Specifically, when there is no problem in the remittance destination (in the case of “YES” in step S2-4), the control unit 21 executes the specifying process of the contact information of the overseas remittance. And the control part 21 acquires the exchange rate information of the country to remit from the exchange information provision server which is not shown in figure. The control unit 21 transmits a remittance timing confirmation email to the contact information of the acquired overseas remittance. This confirmation email includes the latest exchange rate fluctuation information. The overseas remittance sends a remittance timing instruction to the confirmation mail. When receiving the remittance timing instruction, the control unit 21 executes the overseas remittance execution process according to this timing. As a result, overseas remittance can be made after confirming the contact information of the overseas remittance.

  DESCRIPTION OF SYMBOLS 20 ... Financial institution server, 21 ... Control part, 22 ... Deposit account management data storage part, 23 ... Reserve account management data storage part, 24 ... Customer management data storage part, 25 ... Reserve list data storage part, 26 ... Remittance condition management Data storage unit, 27 ... Deposit / withdrawal history data storage unit, 28 ... Remittance record data storage unit, 29 ... Asset freezer data storage unit, 31 ... Overseas financial institution server, 32 ... Overseas remittance service server, 50 ... Overseas remittance terminal 211 ... Salary transfer processing means, 212 ... Reserve management means, 213 ... Remittance management means, 214 ... Notification destination update means.

Claims (7)

Remittance management information storage means for storing remittance management information in which overseas sender information, work place information, and remittance condition information are set for each funded account;
Contact information storage means for storing contact information for each of the overseas remittances;
An overseas remittance system comprising a control means for performing remittance using the balance of the reserve account,
The control means is
A deposit processing means for executing a deposit process for depositing a part of the salary paid to the overseas remittance from the transferee of the work place information recorded in the remittance management information storing means to the fund transfer account of the overseas remittator;
When the remittance account satisfies the remittance conditions specified in the remittance management information, the overseas remittance destination set in the remittance condition information is specified, and the remittance amount set from the remittance condition information for the overseas remittance destination Remittance processing means for executing remittance processing for remittance,
It is provided with remittance notifying means for acquiring contact information of the overseas remittance of the reserve account in the remittance processing from the contact information storing means, and notifying the contact that the remittance processing has been performed. A unique overseas remittance system. For each funding account, further comprises funding condition information storage means for storing funding condition information relating to the funded amount,
When acquiring the salary transfer data from the transfer person of the work place information recorded in the remittance management information storage means, specify the reserve amount recorded in the remittance condition information,
2. The overseas remittance system according to claim 1, wherein a reserve amount within a range not exceeding a salary amount is transferred to the reserve account. A deposit / withdrawal history information storage means for storing information relating to the deposit account of the overseas remittance, transaction details and amount;
The control means specifies a salary transfer from the transfer person of the work place information recorded in the remittance management information storage means in the deposit account of the overseas remittance account, and a reserve amount within a range not exceeding the salary amount is stored in the deposit account 2. The overseas remittance system according to claim 1, wherein the transfer is made to a funded account.   The control means executes remittance processing to a remittance destination specified in the remittance condition information when the accumulated amount in the reserve account exceeds an amount determined in the remittance condition information. Item 4. The overseas remittance system according to any one of Items 1 to 3. The control means further comprises means for acquiring a received password from a management server of an overseas remittance service that requested remittance to an overseas remittance in the remittance process,
The overseas remittance system according to any one of claims 1 to 4, wherein the remittance notification unit notifies the received contact password of the overseas remittance of the acquired password. Asset freezer information storage means for storing the asset freezer information of foreign exchange and foreign trade law associated with the remittance destination,
The said control means acquires asset freezer information from the said asset freezer information storage means, and performs remittance on condition that a remittance destination is not included in this asset freezer information. The overseas remittance system according to any one of the above. Remittance management information storage means for storing remittance management information in which overseas sender information, work place information, and remittance condition information are set for each funded account;
Contact information storage means for storing contact information for each of the overseas remittances;
An overseas remittance method for performing remittance using the balance of the reserve account using an overseas remittance system comprising a control means,
The control means is
A deposit processing step of executing a deposit process for depositing a part of salary paid to the overseas remittance from the transfer person of the work place information recorded in the remittance management information storage means into the funded account of the overseas remittator;
When the remittance account satisfies the remittance conditions specified in the remittance management information, the overseas remittance destination set in the remittance condition information is specified, and the remittance amount set from the remittance condition information for the overseas remittance destination A remittance processing stage for executing remittance processing,
Obtaining the contact information of the overseas sender of the funded account in the remittance process from the contact information storage means, and executing a remittance notification step for notifying the contact that the remittance process has been performed. A feature of overseas remittance.

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