JP2012053615A - Collective immediate transfer system with transfer destination account existence confirmation and method thereof - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a collective immediate transfer system with transfer destination account existence confirmation capable of performing the same-day transfer after confirming the existence of a transfer destination account.SOLUTION: The system relating to the present invention includes: means (201) for receiving a transfer file; means (203) for storing the transfer file; means being means (205) for dividing the transfer file into transfer detail records, in which each transfer detail record includes transfer destination information for specifying a transfer destination account and is divided in a transmittable format through a conventional integrated ATM system (117); means (207) for transmitting a transfer detail record whose transfer destination information shows another bank financial institution to another bank financial institution system (119) through the integrated ATM system, and receiving an inquiry result as to whether the transfer destination account exists; means (209) for preparing a transfer file including a transfer detail record with the transfer destination account existing; and means (211) for transmitting the prepared transfer file to a banking business system (112).

Description

  The present invention relates to a transfer system such as a financial institution and a method thereof, and more particularly, to a collective immediate transfer system with a transfer destination account existence confirmation and a method thereof.

  Currently, a transfer service using an ATM (automated teller machine) is provided by a financial institution such as a bank. In this bank transfer service, the user first sends the bank name (or code), bank account name, bank account name, account number, account holder name, etc. to the ATM. Enter bank information. Then, the transfer destination information is transmitted to each financial institution via an integrated ATM system that interconnects the ATMs of each financial institution, and whether or not the transfer destination account corresponding to the transfer destination information actually exists in the financial institution. Confirmation is performed. The confirmation result is displayed on an ATM display device. When the transfer account actually exists, the payee name is displayed, and transfer can be made to the account. On the other hand, if the transfer account does not exist, that fact is displayed and the transfer is cancelled.

  As described above, in the transfer service using the ATM, the transfer process is smoothly performed by confirming the existence of the transfer account each time.

  On the other hand, financial institutions also provide a comprehensive transfer service. In this comprehensive transfer service, transfer processing is performed in a batch from a specified account of a user on a specified date based on a transfer request including a number of transfer details received from the user. Generally, a transfer request from a user is received in the form of a data file including a large number of transfer details, and the transfer details are processed in a batch. The format of the data file is, for example, compliant with the well-known Zengin format, and a data file including a number of transfer details is also referred to as a general transfer file.

  In such a conventional comprehensive transfer service, the transfer process can be performed after confirming the existence of the transfer destination account by receiving the transfer request data in advance several business days before the specified transfer date. However, with regard to a large number of transfer details included in the transfer request data, it is not possible to immediately perform transfer processing in a lump after confirming the existence of the transfer destination account, that is, transfer on the current date.

  The present invention has been made in view of such a problem, and the purpose of the present invention is to confirm the existence of a transfer destination account and enable the transfer on the same day, with a transfer destination account real confirmation. It is to provide a collective immediate transfer system and method.

  In order to achieve such an object, a transfer system according to an embodiment of the present invention includes a file receiving unit that receives a first transfer file including one or more transfer detail records from a client terminal, File data storage means for storing the received first transfer file, and file dividing means for dividing the stored first transfer file into the one or more transfer detail records, each transfer detail record being A file splitting unit that includes transfer destination information for specifying a transfer destination account and is divided in a format that can be transmitted via a conventional integrated ATM system, and the one or more transfer detail records that are divided, The transfer details record that shows the other bank's financial institution is sent to the other bank's financial institution system via the integrated ATM system, and the bank account exists. An account inquiry means for receiving an inquiry result as to whether or not, a file creation means for creating a second transfer file including a transfer detail record in which a transfer destination account actually exists based on the inquiry result, and the created second File transfer means for transmitting the transfer file to the accounting system.

  Further, the transfer system according to an embodiment of the present invention includes a file creation unit that creates a confirmation result file including a transfer detail record in which a transfer destination account does not exist based on the inquiry result, and the confirmation result file It further comprises file transmitting means for transmitting to the client terminal and file receiving means for receiving a third transfer file including one or more corrected transfer detail records from the client terminal.

  The confirmation result file may include an additional code indicating details of the inquiry result, and the transfer destination information includes a transfer destination financial institution name or code, a transfer destination financial institution branch name or code, a transfer destination account deposit. The event, account number, and account holder name may be included.

  As described above, according to the present invention, it is possible to provide a collective immediate transfer system with transfer destination account existence confirmation and a method thereof that enables transfer on the current date after confirming the existence of the transfer account. it can.

It is a block diagram which shows the structure of the system which concerns on one Embodiment of this invention. 1 is a functional block diagram of an electronic banking (EB) system according to an embodiment of the present invention. It is a state transition diagram of a comprehensive transfer file in an electronic banking (EB) system according to an embodiment of the present invention. It is a processing flow figure of an electronic banking (EB) system concerning one embodiment of the present invention. It is a processing flow figure of an electronic banking (EB) system concerning one embodiment of the present invention.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. In addition, the same code | symbol represents the same thing in several drawing, and the repeated description is abbreviate | omitted.

  FIG. 1 is a block diagram showing the configuration of a system according to an embodiment of the present invention.

  The bank system 110 includes an electronic banking (EB) system 111 and an accounting system 112 that provide Internet banking services and the like. The EB system 111 is connected to the client terminal 113 via a network 115 such as the Internet, and can receive a comprehensive transfer file from the client terminal 113. The EB system 111 is also connected to an integrated ATM system 117, and the integrated ATM system 117 is further connected to another bank financial institution system 119. The EB system 111 is also connected to the bank account management system 121.

  The account system 112 is a system that performs accounting account processing including transfer processing in a financial institution or the like. The other bank financial institution system 119 and the own bank account management system 121 indicate an account management system for managing account information established in the financial institution. An integrated ATM system 117 is a system that interconnects ATMs and the like that are independently owned by each financial institution.

  Each system described above can be composed of one or a plurality of server computers. The client terminal described above may be an information terminal device such as a personal computer, a workstation, or a PDA having a communication function. The server computer and the information terminal device are computers including a processing device (CPU), a memory, a storage device, and the like, and the processing device (CPU) processes the computer program stored in the memory or the storage device. It is controlled, and the processing according to the present invention can be performed and its function can be realized. Note that the above-described system configuration is for illustration, and does not limit the system configuration in which the present invention can be implemented.

  FIG. 2 is a functional block diagram of an electronic banking (EB) system 111 according to an embodiment of the present invention.

  The file receiving unit 201 receives a general transfer file including a number of transfer details from the client terminal 113 and stores it in the file data storage unit 203. The comprehensive transfer file is, for example, a known Zengin format file. In addition, in each transfer detail record, the bank account name (or code), bank account name (or code), bank account details, account number, account holder name, etc. The bank information that can be specified is included.

  The file dividing unit 205 divides the general transfer file stored in the file data storage unit 203 into individual transfer detail records. More specifically, each transfer detail record is divided in a format that can be transmitted to the other bank financial institution system 119 via the conventional integrated ATM system 117. By doing so, an account inquiry via the conventional integrated ATM system 117 can be performed for a large number of transfer detail records included in the general transfer file in the same manner as the account inquiry in the transfer process using the ATM.

  The account inquiry unit 207 confirms whether or not a transfer destination account corresponding to the transfer destination information actually exists for each divided transfer detail record. When the transfer destination information indicates the other bank financial institution, the transfer detail record is transmitted to the other bank financial institution system 119 via the integrated ATM system 117 to make an inquiry. On the other hand, when the transfer destination information indicates the bank account, the bank account management system 121 is inquired. Further, the account inquiry unit 207 receives inquiry results from the other bank financial institution system 119 and the own bank account system 121 and stores them in the file data storage unit 203. The received inquiry result also includes details of the inquiry result such as “the account does not exist” and “the account exists but the recipient name is different” (details will be described later).

  Based on the inquiry result stored in the file data storage unit 203, the file creation unit 209 creates a comprehensive transfer file including the transfer details in which the transfer destination account actually exists. That is, using the divided transfer detail records, the file creation unit 209 re-creates a general transfer file in a well-known Zengin format. In addition, the file creation unit 209 creates a confirmation result file including the transfer details for which the transfer destination account did not actually exist. The confirmation result file can be in any format, for example, the same format as the general transfer file according to the Zengin format (details will be described later).

  The file transmission unit 211 transmits the comprehensive transfer file created by the file creation unit 209 to the billing system 112. The billing system 112 performs a transfer process using the received comprehensive transfer file. In addition, the file transmission unit 211 transmits the confirmation result file created by the file creation unit 209 to the client terminal 113. The user of the client terminal 113 can confirm the received confirmation result file, correct the data, and retransmit it to the EB system 111 as a comprehensive transfer file.

  FIG. 3 shows the state transition of the comprehensive transfer file in the electronic banking (EB) system according to an embodiment of the present invention. Here, the general transfer file 301 will be described as including five transfer details 1-5.

  First, the general transfer file 301 received from the client terminal 113 is divided into five transfer detail records 1-5. The transfer detail records 1 to 5 are divided into data formats that can be transmitted to the other bank financial institution system 119 via the integrated ATM system 117 for account inquiry.

  Next, for each transfer detail record, an inquiry is made as to whether or not a transfer destination account corresponding to the transfer destination information actually exists. The inquiry result is stored in association with each transfer detail record. Here, it is assumed that the transfer destination accounts corresponding to the transfer detail records 1, 2, and 4 exist, and the transfer account corresponding to the transfer detail records 3 and 5 does not exist.

  Next, a general transfer file 303 including the transfer details 1, 2, and 4 in which the transfer destination account actually exists is created. The created general transfer file 303 is transmitted to the account system 112 and a transfer process is performed. Further, a confirmation result file 305 including the transfer details 3 and 5 in which the transfer destination account does not exist is also created. The created confirmation result file 305 is transmitted to the client terminal 113. The user of the client terminal 113 can confirm the confirmation result file 305 and correct the transfer destination information included in the transfer details. The corrected transfer details can be retransmitted from the client terminal 113 as a comprehensive transfer file, and the transfer process can be performed.

  Here, the confirmation result file 305 according to an embodiment of the present invention will be described.

  The confirmation result file can be created in the well-known Zengin format file format in the same manner as the general transfer file. Details of the confirmation result of the account inquiry can be notified by adding a confirmation result code exemplified below to an unused item in the format.

(Confirmation result code)
1: Account not applicable (applicable deposit line, no account number)
2: Recipient name difference (relevant deposit type, account name recipient name difference)
9: Other (other than above)

  Further, an auxiliary information code indicating the details can be added to the transfer detail record having the confirmation result code “9 (others)”. For example, the following information can be included in the auxiliary information code.

(Auxiliary information code)
0: Cannot be confirmed because there is no financial institution / branch in the bank account.
1: No response from the transfer financial institution.
2: The answer to the confirmation result from the transfer financial institution is “Other”.

  By adding such a confirmation result code and auxiliary information code to the confirmation result file 305, the details of the account inquiry result can be notified to the user. Also, the user can more easily grasp the deficiencies in the transfer detail record by checking these codes.

  FIG. 4 is a process flow diagram of an electronic banking (EB) system according to one embodiment of the present invention.

  First, the EB system 111 receives the comprehensive transfer file 301 from the client terminal 113 (S401). Next, the received general transfer file 301 is divided into transfer detail records 1 to 5 (S403). Next, for each of the divided transfer detail records 1 to 5, an account inquiry is performed to the bank account management system 121 and the other bank financial institution system 119, and the result is stored (S405). The inquiry to the other bank financial institution system 119 is made through the conventional integrated ATM system 117.

  Next, based on the inquiry result, a comprehensive transfer file 303 including transfer detail records 1, 2, and 4 in which the transfer destination account actually exists is created (S407). Next, the created general transfer file 303 is transmitted to the accounting system 112, and a transfer process is performed (S409).

  Furthermore, with reference to FIG. 5, the transfer details in which the transfer destination account did not exist will be described.

  Subsequent to the account inquiry process (S405), based on the inquiry result, a confirmation result file 305 including the transfer detail records 3 and 5 in which the transfer destination account does not exist is created (S501). Next, the created confirmation result file 305 is transmitted to the client terminal 113 (S503). The user of the client terminal 113 can correct the transfer details with reference to the confirmation result file. When the total transfer file including the corrected transfer details is received from the client terminal 113 (S505), the processing is performed again (returning to S403 in FIG. 4).

(Other embodiments)
In the above-described embodiment, the confirmation result file 305 is created and transmitted to the client terminal 113 to notify the user of the confirmation result of the account inquiry. However, without creating the confirmation result file 305, e.g. You may notify that the inquiry result was obtained by the notification method of recognition. In this case, the user can check the inquiry result stored in the file data storage unit 203 via the client terminal 113 and correct the transfer detail record. Further, after the transfer detail record is corrected, a comprehensive transfer file including the transfer detail record in which the transfer destination account actually exists may be created together with the data.

  As described above, according to the present invention, it is possible to provide a collective immediate transfer system with a transfer destination account actual confirmation and a method thereof that enable the transfer on the current date after performing the transfer confirmation of the transfer destination account. it can.

110 Bank System 111 EB System 112 Account System 113 Client Terminal 115 Network 117 Integrated ATM System 119 Other Bank Financial Institution System 121 Own Account Management System 201 File Receiving Unit 203 File Data Storage Unit 205 File Dividing Unit 207 Account Inquiry Unit 209 File Creation unit 211 File transmission unit 301, 303 General transfer file 305 Confirmation result file

Claims (8)

It is a collective immediate transfer system with transfer account actual confirmation,
A file receiving means for receiving a first transfer file including one or more transfer statement records from the client terminal;
File data storage means for storing the received first transfer file;
A file dividing means for dividing the stored first transfer file into the one or more transfer detail records, each transfer detail record including transfer destination information for specifying a transfer destination account, and a conventional integrated ATM A file dividing means that is divided in a format that can be transmitted through the system;
The one or more transfer detail records that have been divided, wherein the transfer details record indicates the other bank financial institution to the other bank financial institution system via the integrated ATM system, and the bank account An account inquiry means for receiving an inquiry result of whether or not the
Based on the inquiry result, file creation means for creating a second transfer file including a transfer detail record in which the transfer destination account actually exists;
A system comprising: a file transmission means for transmitting the created second transfer file to an accounting system. Based on the inquiry result, file creation means for creating a confirmation result file including a transfer detail record in which the transfer destination account did not exist,
File transmission means for transmitting the confirmation result file to the client terminal;
2. The system according to claim 1, further comprising a file receiving unit configured to receive a third transfer file including one or more corrected transfer detail records from the client terminal.   The system according to claim 2, wherein the confirmation result file includes an additional code indicating details of the inquiry result.   The transfer destination information includes a transfer destination financial institution name or code, a transfer destination financial institution branch name or code, a deposit item of the transfer destination account, an account number, and an account holder name. A system according to any of the above. A method in a lump-sum immediate transfer system with transfer account actual confirmation,
Receiving from a client terminal a first transfer file including one or more transfer statement records;
Storing the received first transfer file;
Dividing the stored first transfer file into the one or more transfer detail records, each transfer detail record including transfer destination information for specifying a transfer destination account, and a conventional integrated ATM system; Divided in a form that can be transmitted via,
The one or more transfer detail records that have been divided, wherein the transfer details record indicates the other bank financial institution to the other bank financial institution system via the integrated ATM system, and the bank account Receiving a query result as to whether or not
Creating a second transfer file including a transfer statement record in which the transfer account actually exists based on the inquiry result;
And a step of transmitting the created second transfer file to an accounting system. Based on the inquiry result, creating a confirmation result file including a transfer detail record in which the transfer account did not exist;
Transmitting the confirmation result file to the client terminal;
6. The method of claim 5, further comprising: receiving a third transfer file including one or more modified transfer detail records from the client terminal.   The method according to claim 6, wherein the confirmation result file includes an additional code indicating details of the inquiry result.   The transfer destination information includes a transfer destination financial institution name or code, a transfer destination financial institution branch name or code, a deposit item of the transfer destination account, an account number, and an account holder name. The method according to any one.

Images