JP2014026456A - Payable balance calculation method and payable balance calculation system, and fund transfer method and fund transfer system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a payable balance calculation method and a payable balance calculation system and a fund transfer method and a fund transfer system of a bank system which can control the amount paid.SOLUTION: A bank system 104 according to the present invention includes: means for receiving a balance request message from a security system 103; means for determining whether an enterprise code of the balance request message is a message of a predesignated security company; means for calculating a cash balance as a payable balance without including a balance which can be overdrawn when the enterprise code is the enterprise code of the security company; and means for transmitting a message including the payable balance to the security system. Further, the bank system 104 includes: means for receiving a payment request message from the security system; means for determining whether the enterprise code of a payment request message is a message of a predesignated security company; means for performing fund transfer processing when the enterprise code of the payment request message is a message of the security company; and means for transmitting the message including a result of the fund transfer processing to the security system.

Description

  The present invention relates to a fund transfer method and a fund transfer system, and more particularly to a fund transfer method and a fund transfer system between a bank system and a securities system.

  Banks provide services such as deposits and withdrawals, account transfers, and transfers to users through various channels (for example, stores, ATMs, Internet banking, etc.).

  Generally, when a user makes a transfer using an ATM, the bank system first displays a payable balance on the ATM, and accepts and executes a transfer or the like within the balance. The payable balance in this case is the total balance of the overdraft balance and the cash balance, and the overdraft balance is the amount that the user can borrow when there is a time deposit or the like.

  In addition, it has become common to buy and sell stocks by accessing a securities system provided by a securities company via the Internet. A user of such a securities system accesses the securities system using a home PC or a portable terminal, places a trading order for stocks, etc., and conducts a transaction.

  In general, in order to buy stocks and the like, funds for that purpose are required in an account of a securities company. In particular, in order to use the securities system as described above to buy stocks and the like, it is necessary to transfer the own funds to the account of the securities company in advance. In addition, when conducting a margin transaction, it is necessary to insert a deposit for that purpose into the account of a securities company as soon as possible. For this reason, in order to improve convenience for users, a system has been realized in which funds are easily and immediately transferred from a bank account to a securities company account in cooperation with a bank system and a securities system.

  However, unlike the case of ATM as described above, there is a demand for banks to limit the withdrawal amount to the securities system within the range of the cash balance without including the overdraft balance.

  The present invention has been made in view of such problems, and an object of the present invention is to provide a payable balance calculation method, a payable balance calculation system, a funds transfer method, and a bank system capable of controlling the amount to be paid. To provide a fund transfer system.

  In order to achieve such an object, a method according to an embodiment of the present invention includes a step of receiving a balance request message from a securities system, and a company code of the balance request message is specified by a securities company designated in advance. A step of determining whether or not it is a company code; and when the company code of the balance request message is the company code of the securities company, a cash balance is calculated as a payable balance without including an overdraft balance And a step of transmitting a message containing the payable balance to the securities system.

  The method according to an embodiment of the present invention includes a step of receiving a withdrawal request message from a securities system, and the company code of the withdrawal request message is the company code of the previously specified securities company. Determining whether or not, when the company code of the withdrawal request message is the company code of the securities company, performing a funds transfer process, and a message including a result of the fund transfer process, Transmitting to the securities system.

  Further, the system according to an embodiment of the present invention determines a means for receiving a balance request message from a securities system and whether the company code of the balance request message is a company code of a securities company designated in advance. Means for calculating a cash balance as a payable balance without including an overdraft balance when the company code of the balance request message is the company code of the securities company, and the payable balance Means for transmitting a message containing the message to the securities system.

  In the system according to the embodiment of the present invention, means for receiving a withdrawal request message from a securities system, and the company code of the withdrawal request message is the company code of the previously specified securities company. Means for determining whether the company code of the withdrawal request message is the company code of the securities company, and a message including a result of the fund transfer process, Means for transmitting to the securities system.

It is a figure which shows the structure of the system which concerns on one Embodiment of this invention. It is a figure which shows the flowchart regarding the payment balance calculation process of the method which concerns on one Embodiment of this invention. It is a figure which shows the flowchart regarding the fund transfer process of the method which concerns on one Embodiment of this 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 diagram showing a configuration of a system according to an embodiment of the present invention.

  A user of this system can access the securities system 103 via the network 102 such as the Internet using the user terminal 101. The securities system 103 is generally composed of a plurality of server computers, and provides services such as buying and selling of stocks, balance inquiry, and deposit / withdrawal to the accessing user terminal 101. Further, the securities system 103 and the bank system 104 are connected by a dedicated line or the like, and can communicate with each other using a telegram. The electronic message includes a branch number, a subject code, an account number, and the like, and can further include a company code, a balance that can be paid, a withdrawal amount, a result of a withdrawal process (fund transfer process), and the like.

  The bank system 104 is also a system constituted by a plurality of server computers, and includes a so-called account system and the like, for example, performs processing such as deposit and withdrawal. Further, the bank system 104 has functions such as a message reception unit 111, a message determination unit 112, a balance calculation unit 113, a withdrawal processing unit 114, and a message transmission unit 115, and stores a customer account that stores a user's funds balance and the like. It has a database 116 and a securities company account database 117 for managing the balance of the account of the securities company.

  The server computer constituting the user terminal 101 and the securities system 103 and the bank system 104 is a computer including a processing device (CPU), a memory, a storage device, etc., and a computer program stored in the memory or the storage device is stored in the computer. The processing unit (CPU) performs overall control by processing, and the processing according to the present invention can be performed to realize the function. 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.

  With reference to FIG. 1 again, the fund transfer process according to the embodiment of the present invention will be described.

  A user who wishes to transfer funds from a bank account to an account of a securities company uses the user terminal 101 to access the securities system 103 and issues a withdrawal instruction. The securities system 103 that has received the withdrawal instruction then transmits a balance request message to the bank system 104. At this time, the balance request message includes a branch number, a subject code, an account number, a company code, and the like for specifying the user's bank account.

  When the message reception unit 111 of the bank system 104 receives the balance request message, the message determination unit 112 determines the company code included in the received message. Next, according to the determination result of the company code, the balance calculation unit 113 calculates and stores the payable balance of the user from the customer account database 116. Here, when the company code is that of a securities company designated in advance, the payable balance is the cash balance of the user, and the overdraft balance is not included. On the other hand, when the company code is not that of the securities company designated in advance, the payable balance is calculated and stored as a total balance including the cash balance and the overdraft balance. Next, the message transmission unit 115 transmits a message including the calculated payable balance to the securities system 103.

  The securities system 103 that has received the message including the payable balance provides the payable balance to the user terminal 101 and accepts the designation of the withdrawal amount from the user within the range. Next, the securities system 103 transmits a withdrawal request message to the bank system 104. When the message receiving unit 111 of the bank system 104 receives the withdrawal request message, the company code included in the withdrawal request message is determined in the same manner as when the balance request message is received. Next, when the company code is that of a securities company designated in advance and the designated withdrawal amount is within the range of the payable balance, the withdrawal processing unit 114 uses the usage stored in the customer account database 116. The user's funds are transferred from the user's account to the securities company account stored in the securities company account database 117. On the other hand, if the company code is not that of a securities company designated in advance, or if the designated withdrawal amount exceeds the payable balance, it is processed as withdrawal impossible. Next, the message transmission unit 115 transmits a message including the result of the fund transfer process to the securities system 103.

  The securities system 103 that has received the message including the result of the fund transfer process reflects the process result in the fund balance of the securities system 103 and notifies the user terminal 101 of the withdrawal result.

  FIG. 2 is a diagram illustrating a flowchart of a method according to an embodiment of the present invention, and particularly relates to a payable balance calculation process performed by a bank system.

  In step 201, the bank system 104 receives a balance request message from the securities system 103. Next, in step 202, the bank system 104 determines whether the company code included in the message is a company code of a securities company designated in advance. If the company code is that of a securities company designated in advance, in step 203, the cash balance is calculated as the payable balance without including the overdraft balance. On the other hand, if the company code is not of a securities company designated in advance, in step 204, it is processed as a “company code difference error”. Next, in step 205, a message containing the processing result (calculated payable balance or error content) is transmitted to the securities system.

  The securities system that has received the message including the payable balance presents the payable balance to the user as a possible deposit amount (to the securities company). Next, the securities system receives a deposit instruction (withdrawal instruction to the bank) within the range of the depositable amount from the user, and transmits a withdrawal request message to the bank system. Here, withdrawal refers to withdrawal from a customer account to a securities company account in the bank system.

  FIG. 3 is a flowchart of a method according to an embodiment of the present invention, and particularly relates to a fund transfer process performed by a bank system.

  In step 301, the bank system 104 receives a withdrawal request message from the securities system 103. Next, in step 302, the bank system determines whether the company code included in the message is a company code of a securities company designated in advance. If the company code is that of a securities company designated in advance, it is determined in step 303 whether or not the withdrawal amount included in the message is equal to or less than the payable balance. If the withdrawal amount is less than or equal to the payable balance, in step 304, withdrawal is permitted, and funds are transferred from the customer account to the securities company account. On the other hand, if it is determined in step 302 that the company code included in the message is not that of a securities company designated in advance, or in step 303, it is determined that the withdrawal amount included in the message is larger than the payable balance. In this case, an error is processed in step 305, the withdrawal becomes impossible, and no funds are transferred. In the case of step 302, a “company code difference error” occurs, and in the case of step 303, a “withdrawal error”. Next, in step 306, a message including the result of the fund transfer process is transmitted to the securities system.

  When the money transfer is performed, the securities system that has received the message including the result of the money transfer process increases the customer money and presents it to the user. On the other hand, when the withdrawal becomes impossible, the customer funds are not increased and the fact is presented to the user.

  As described above, according to the present invention, it is possible to provide a fund transfer method and a fund transfer system of a bank system capable of controlling a withdrawal amount.

DESCRIPTION OF SYMBOLS 101 User terminal 102 Network 103 Securities system 104 Bank system 111 Message reception 112 Message determination 113 Balance calculation 114 Withdrawal processing 115 Message transmission 116 Customer account 117 Securities company account

Claims (5)

A payable balance calculation method executed by a bank system,
Receiving a balance request message from the securities system;
Determining whether the company code of the balance request message is a company code of a securities company designated in advance;
When the company code of the balance request message is the company code of the securities company, calculating a cash balance as a payable balance without including an overdraft balance;
Transmitting a message containing the payable balance to the securities system. A money transfer method executed by a banking system,
Receiving a withdrawal request message from the securities system;
Determining whether the company code of the withdrawal request message is the company code of the pre-specified securities company;
When the company code of the withdrawal request message is the company code of the securities company, performing a fund transfer process;
Transmitting a message containing the result of the funds transfer process to the securities system.   A computer program for causing a computer to execute the method according to claim 1. A payable balance calculation system,
Means for receiving a balance request message from the securities system;
Means for determining whether the company code of the balance request message is a company code of a securities company designated in advance;
Means for calculating a cash balance as a payable balance without including an overdraftable balance when the company code of the balance request message is the company code of the securities company;
Means for transmitting a message containing the payable balance to the securities system;
A system comprising: A money transfer system,
Means for receiving a withdrawal request message from the securities system;
Means for determining whether or not the company code of the withdrawal request message is the company code of the previously designated securities company;
Means for performing a funds transfer process when the company code of the withdrawal request message is the company code of the securities company;
And a means for transmitting a message containing the result of the funds transfer process to the securities system.

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