JP2014048740A - Transfer destination list display system and transfer destination list display method for transfer destination list display system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a transfer destination list display system and a transfer destination list display method allowing a user to easily find a transfer destination.SOLUTION: A transfer destination list display system 1 includes: a transfer destination management DB210 to which a transfer reception system 20 stores by associating purpose information for transferred money indicating a purpose for which the transferred money which is transferred to a transfer destination account is used to transfer destination account information for specifying the transfer destination account which is pre-registered; and a screen information generating means for transfer destination selection 202 for referring to the transfer destination management DB210 and generating screen information for transfer destination selection for displaying the transfer destination account information classified by every purpose information for the transferred money in a terminal 10. In this case, a terminal control means 102 of the terminal 10 carries out control for displaying the transfer destination account information by classifying by every transferred money purpose information in a transfer request screen displayed on an input output means 101 based on the screen information for transfer destination selection received from the transfer reception system 20.

Description

  The present invention relates to a payee list display system and a payee list display method of the payee list display system.

  Conventionally, a user can transfer money to a predetermined account by operating an automatic transaction apparatus provided in a bank or a store, a mobile terminal, or the like. When performing a transfer, the user needs to perform complicated operations such as selection of a transfer destination financial institution, selection of a branch, input of a transfer amount, and input of an account number of a transfer destination in an automatic transaction apparatus or the like.

  In view of this, a fund-raising transaction system has been proposed in which fund-raising type items are displayed on the screen, and fund-raising transactions are performed in accordance with fund-transfer information such as financial institution names and account numbers registered in advance based on the selection input of the fund-raising type items. (For example, refer to Patent Document 1). According to the fund-raising transaction system, a fund-raising destination name and an account number are associated with the fund-raising type item selected by the user. Since it can transfer without performing transaction information input operation, such as an account number, the operation load of the user in transfer can be reduced.

JP-A-7-225801

  However, for example, if there are several types of accounts for collecting donations, even if the donation transaction system of Patent Document 1 is used, even if the user can easily find the type of donation to be selected, the account for collecting donations As the number of types increases, it becomes more difficult for the user to find a type of fund-raising to select.

  The present invention has been made in view of the above problems, and an object thereof is to provide a transfer destination list display system and a transfer destination list display method by which a user can easily find a transfer destination.

  In order to solve the problems as described above, a transfer destination list display system and a transfer destination list display method of the present invention have the following features.

  The transfer destination list display system of the present invention is a transfer destination list display system comprising: a terminal operated by a user; and a transfer acceptance system that is connected to the terminal via a network and receives a transfer request. The reception system stores the transfer destination management information that stores the transfer destination account information that specifies the transfer destination account registered in advance in association with the transfer purpose information indicating the purpose of using the transfer money transferred to the transfer destination account. Transfer destination selection screen information for generating transfer destination selection screen information for classifying and displaying the transfer destination account information for each transfer purpose information on the terminal with reference to the transfer destination management storage means And a transfer destination selection screen information transmitting unit that transmits the transfer destination selection screen information generated by the transfer destination selection screen information generating unit to the terminal. A display means for displaying a transfer request screen for receiving a transfer request; and a terminal control means for receiving the transfer destination selection screen information from the transfer acceptance system and controlling the display of the display means. Is characterized in that, based on the received transfer destination selection screen information, control is performed to classify and display the transfer destination account information for each transfer purpose information on the transfer request screen.

  According to the said structure, a transfer destination list display system is provided with the terminal operated by a user, and the transfer reception system connected to a terminal via a network and receiving a transfer request. In the transfer acceptance system, the transfer destination management storage means corresponds to the transfer destination account information specifying the transfer destination account registered in advance with the transfer purpose information indicating the purpose of using the transfer money transferred to the transfer destination account. Add and remember. The transfer destination selection screen information generation means refers to the transfer destination management storage means, and generates transfer destination selection screen information for classifying and displaying the transfer destination account information for each transfer purpose information on the terminal. The transfer destination selection screen information transmission unit transmits the transfer destination selection screen information generated by the transfer destination selection screen information generation unit to the terminal. In the terminal, the display means displays a transfer request screen for receiving a transfer request. The terminal control unit receives the transfer destination selection screen information from the transfer acceptance system, and controls the display of the display unit. And a terminal control means performs control which classify | categorizes and displays the transfer destination account information for every transfer purpose information on a transfer request screen based on the received transfer destination selection screen information.

  According to the present invention, the transfer destination account information for specifying the transfer destination account is stored in association with each transfer purpose information indicating the purpose for which the transfer is used, and the terminal operated by the user based on this information In, transfer account information is classified and displayed for each transfer purpose information. As a result, the user can search for the transfer destination account information that he / she wants to transfer from among the transfer destination account information classified and displayed for each purpose for which the transfer is used on the transfer request screen for accepting the transfer request. it can.

  Here, “the purpose for which the money transfer is used” will be described as a specific example. For example, if the money for the transfer is a donation, the purpose for which the donation is used is medical care, education, reconstruction of public facilities, and the like. To explain with the above example, for example, after a major disaster, a large number of accounts serving as deposit funds with different purposes are provided. In such a case, it becomes difficult for the user to find the account of the donation that he / she wishes to transfer. According to the present invention, for example, information for specifying a donation account is classified and displayed for each purpose, for example, medical, education, reconstruction, etc. If the donation is used for medical treatment, you can find the transfer destination by searching only the portion classified by medical treatment. Therefore, it is possible to provide a transfer destination list display system in which the user can easily find the transfer destination.

  The invention of the transfer destination list display system can further include the following features. The transfer destination account information stored in the transfer destination management storage means includes outline information indicating an outline of how to use the transfer money, and the transfer destination selection screen information generating means is configured to transfer the outline information to the transfer at the terminal. Generate transfer destination selection screen information for classification and display for each gold purpose information, and the terminal control means, based on the received transfer destination selection screen information, the summary information is transferred to the transfer request screen It is characterized by performing control to classify and display for each gold purpose information.

  According to the present invention, on the transfer request screen for accepting a transfer request, the user can make a transfer from the summary information that is classified and displayed for the purpose of using the transfer money and shows an outline of how to use the transfer money. You can search for the desired bank account information.

  Here, for example, non-profit organizations that solicit donations may not have known activity details. According to the present invention, the summary information indicating the summary of how to use the transfer money is displayed on the terminal, which leads to the publicity of the non-profit organization as described above. Therefore, it is possible to provide a transfer destination list display system that allows a user to easily find a transfer destination and leads to publicity of the transfer destination.

  The invention of the transfer destination list display system can further include the following features. An account system connected to the transfer acceptance system via a network and performing a transfer process based on the transfer process request information transmitted from the transfer acceptance system; and the transfer destination management storage means includes the transfer destination In the account information, the summary information is stored in association with the account number information indicating the account number of the transfer destination, the terminal further comprises an input means operable by the user, the terminal control means, Based on the fact that the summary information is selected by the user in the input means, the summary information is transmitted to the transfer acceptance system, and the transfer acceptance system refers to the transfer destination management storage means and performs the terminal control. Account number specifying means for specifying the account number information of the summary information received from the means, and the account number information specified by the account number specifying means A transfer process request information generating unit that generates transfer process request information; and a transfer process request information transmitting unit that transmits the transfer process request information generated by the transfer process request information generating unit to the account system. It is characterized by providing.

  According to the present invention, on the transfer request screen for accepting a transfer request, the user selects the summary information that is classified and displayed for the purpose of using the transfer money and selects the summary information indicating the outline of how the transfer money is used. Transfers can be made to the account with the account number associated with the summary information.

  Thus, for example, a user who wants to send a donation for reconstruction activities shows an outline of how to use the transfer money that is classified by purpose and displayed on the terminal even if the transfer destination is not decided in advance You can transfer money simply by looking at the information and selecting a transfer destination.

  The invention of the transfer destination list display system can further include the following features. The transfer acceptance system further comprises a transfer deferral approval accepting unit that accepts transfer deferral approval information indicating that the deferral of transfer process is approved by a user operation on the terminal, and the transfer process request information generating unit includes: The transfer deferral approval information further includes the transfer process request information, and the accounting system, when the transfer deferral approval information is included in the transfer process request information, the transfer process request information, The transfer process request information is stored in a transfer storage unit that temporarily stores the transfer process request information.

  According to the present invention, transfer process request information can be temporarily stored for transfer process request information including transfer deferral approval information indicating that transfer process deferral has been approved by the user. As a result, the accounting system can transfer the accumulated transfer processing request information, for example, when the control processing load of the transfer processing is relatively low, so that the control processing load of the accounting system can be reduced. .

  The invention of the transfer destination list display system can further include the following features. The transfer destination selection screen information generating means generates the transfer destination selection screen information from which the user can select a plurality of the summary information at the terminal, and the terminal control means is a plurality of the outlines at the input means. Based on the information selected by the user, a plurality of the summary information is transmitted to the transfer acceptance system, and the account number specifying unit is received from the terminal control unit with reference to the transfer destination management storage unit Identifying each of the account number information of a plurality of the summary information, the transfer processing request information generating means generates a plurality of the transfer processing request information including the account number information specified by the account number specifying means, The transfer process request information transmission unit transmits a plurality of the transfer process request information generated by the transfer process request information generation unit to the account system. And wherein the Rukoto.

  According to the present invention, when a plurality of pieces of summary information are selected by the user, each transfer request information can be transmitted to the account system. Thus, for example, a user who wishes to send a donation for reconstruction activities selects a plurality of pieces of summary information for collecting contributions for reconstruction activities and makes a transfer request in one access to the transfer acceptance system using the terminal. By doing so, it is possible to make a donation to a plurality of locations by one access. Therefore, the access load of the transfer acceptance system and the user's procedure burden can be reduced.

  The invention of the transfer destination list display system can further include the following features. The summary information includes target total transfer amount information indicating the total amount of the preset transfer amount and total amount information indicating the total amount of the transferred transfer amount, and the terminal control unit provides the user with the input unit. Transfer amount information indicating the amount of the input transfer amount is transmitted to the transfer reception system, and the transfer reception system stores the value of the transfer amount information received from the terminal control unit in the transfer destination management storage unit. The method further comprises a cumulative amount calculating means for adding to the value of the cumulative amount information associated with the account number information specified by the account number specifying means.

  ADVANTAGE OF THE INVENTION According to this invention, in the terminal which a user operates, the target total amount of money which shows the total amount of the preset transfer amount and the total amount of the transferred transfer amount can be displayed. Thus, for example, a user who wants to send a donation for reconstruction activities can know the scale of the reconstruction activity by looking at the total amount of the target transfer in the summary information for collecting contributions for reconstruction activities. You can see how much donated money is collected by looking at the accumulated amount. Therefore, the user's willingness to raise funds for, for example, reconstruction activities can be improved.

  Further, the present invention can also be regarded as a transfer destination list display method as follows. A transfer destination list display method executed by a transfer destination list display system comprising: a terminal operated by a user; and a transfer reception system connected to the terminal via a network and receiving a transfer request, wherein the transfer reception system The transfer method stores the transfer destination account information specifying the transfer destination account registered in advance and the transfer destination information indicating the purpose of using the transfer money transferred to the transfer destination account in association with the transfer destination account information. A transfer destination selection screen information generating step for generating transfer destination selection screen information for displaying the transfer destination account information classified and displayed for each transfer purpose information on the terminal with reference to management storage means, and the transfer Including a transfer destination selection screen information transmission step of transmitting the transfer destination selection screen information generated in the destination selection screen information generation step to the terminal, Receiving a transfer destination selection screen information from the transfer acceptance system, and includes a terminal control stage for controlling display of a display means for displaying a transfer request screen for accepting a transfer request, wherein the terminal control stage includes the received transfer destination selection A transfer destination list display method characterized by performing control to classify and display the transfer destination account information for each transfer purpose information on the transfer request screen based on screen information.

  ADVANTAGE OF THE INVENTION According to this invention, the transfer destination list display system and transfer destination list display method which a user can find a transfer destination easily can be provided.

It is a figure which shows the outline | summary of the transfer destination list display system which concerns on embodiment of this invention. It is a figure which shows the functional block of the transfer destination list display system which concerns on embodiment of this invention. It is a figure which shows an example of the transfer request initial screen displayed on the input / output means which concerns on embodiment of this invention. It is a figure explaining transfer place management DB concerning an embodiment of the present invention. It is a figure which shows an example of the transfer destination selection screen displayed on the input / output means which concerns on embodiment of this invention. It is a figure which shows an example of the transfer deferral approval screen displayed on the input-output means which concerns on embodiment of this invention. It is a figure which shows an example of the transfer procedure completion screen displayed on the input / output means which concerns on embodiment of this invention. It is a figure explaining the transfer destination list display process which the transfer destination list display system which concerns on embodiment of this invention performs. It is a figure explaining the transfer process which the transfer reception system and account system which concern on embodiment of this invention perform.

  DESCRIPTION OF EMBODIMENTS Hereinafter, embodiments for carrying out the present invention (hereinafter referred to as embodiments) will be described in detail with reference to the accompanying drawings. In addition, the same number is attached | subjected to the same structure through the whole description of embodiment.

  First, the outline | summary of the transfer destination list display system 1 which concerns on embodiment of this invention is demonstrated. FIG. 1 is a diagram showing an outline of a transfer destination list display system 1 according to an embodiment of the present invention.

  The transfer destination list display system 1 is connected to the terminal 10 operated by the user, the terminal 10 via the network, the transfer acceptance system 20 that accepts a transfer request to the transfer destination account, and the transfer acceptance system 20 via the network. Are connected to each other and perform a transfer process, and a transfer storage database (hereinafter also referred to as a transfer storage DB) 40 that temporarily stores transfer process request information that is information indicating the contents of the transfer request. .

  Here, the “terminal” in this embodiment includes an ATM (Automated Teller Machine) installed in a bank or a store, a general mobile terminal or personal computer that can be connected to a network. Computer included. That is, this embodiment can also be applied to so-called Internet banking, in which a user can transfer money from his / her own account to another person's account on a bank homepage or the like by operating a terminal.

  Next, a functional configuration of the transfer destination list display system 1 according to the embodiment of the present invention will be described. FIG. 2 is a diagram showing functional blocks of the payee list display system 1 according to the embodiment of the present invention.

  The terminal 10 includes input / output means 101 and terminal control means 102. The input / output unit 101 is configured by, for example, a touch panel, and is controlled by the terminal control unit 102 to display a transfer request screen for inputting information related to the transfer. On the transfer request screen, a user operation (for example, selection of a transfer destination) Operation). That is, the input / output unit 101 is an example of a display unit that displays a transfer request screen for receiving a transfer request, and is an example of an input unit that can be operated by the user. In this embodiment, the transfer request screen includes a transfer request initial screen, a transfer destination selection screen, a transfer deferral approval screen, and a transfer procedure completion screen. Details of these screens will be described later.

  The terminal control unit 102 performs control to display a transfer request screen on the input / output unit 101. The terminal control unit 102 receives information related to the transfer request screen from the transfer acceptance system 20, and controls the display of the input / output unit 101 based on the received information. In addition, the terminal control unit 102 transmits information based on a user operation in the input / output unit 101 to the transfer acceptance system 20. Details of information received from the transfer acceptance system 20 and information transmitted to the transfer acceptance system 20 will be described later.

  FIG. 3 is a diagram showing an example of a transfer request initial screen displayed on the input / output unit 101 according to the embodiment of the present invention. On the transfer request initial screen, procedures that can be performed by the user on the terminal 10 are displayed as buttons, and the user can perform a procedure associated with each button by operating one of these buttons. .

  The terminal control unit 102 displays specific transfer request information indicating that a specific transfer request has been accepted when a user operates a button displayed as deposit payment on the transfer request initial screen displayed on the input / output unit 101. Is transmitted to the transfer acceptance system 20. In the present embodiment, the specific transfer request is, for example, a transfer request that is selected to be transferred as a donation by the user. Note that the specific transfer request is not limited to deposit as a donation, and can be applied to various transfer requests such as entrance fee, support for treatment of intractable diseases, support for grassroots companies, and the like.

  Note that the terminal control unit 102 inputs and outputs a general transfer request screen that prompts the user to input an account number, a transfer amount, a transfer person, etc. when the button displayed as normal transfer is operated by the user. Control to display on the means 101 is performed. Then, the terminal control unit 102 transmits the account number information indicating the account number input by the user, the transfer amount information indicating the transfer amount, and the transfer person information indicating the transfer person to the transfer acceptance system 20.

  The transfer reception system 20 includes a transfer request reception unit 201, a transfer destination selection screen information generation unit 202, a transfer destination selection screen information transmission unit 203, an account number identification unit 204, a transfer deferral approval reception unit 205, and a transfer process. A request information generating unit 206, a transfer process request information transmitting unit 207, a cumulative amount calculating unit 208, and a transfer destination management database (hereinafter also referred to as a transfer destination management DB) 210 are provided.

  The transfer request receiving unit 201 receives specific transfer request information from the terminal control unit 102 of the terminal 10. Further, the transfer request receiving unit 201 receives summary information to be described later from the terminal control unit 102 of the terminal 10. If the transfer request accepting unit 201 does not receive the specific transfer request information, it receives the account number information indicating the account number input by the user in the terminal 10, the transfer amount information indicating the transfer amount, and the transfer person information indicating the transfer person. To do.

  When the transfer request receiving unit 201 receives the specific transfer request information, the transfer destination selection screen information generating unit 202 refers to the transfer destination management DB 210 and classifies the transfer destination account information for each transfer purpose information in the terminal 10. Generate transfer destination selection screen information for display.

  FIG. 4 is a diagram illustrating the transfer destination management DB 210 according to the embodiment of the present invention. The transfer destination management DB 210 stores transfer destination account information specifying a transfer destination account registered in advance in association with transfer purpose information indicating the purpose for which the transfer money transferred to the transfer destination account is used. In the present embodiment, the transfer account information includes, for example, account number information indicating an account number, account name information indicating an account name, summary information indicating an outline of how to use the transfer money transferred to the transfer account, and Detailed information indicating the purpose of soliciting donations by setting up a bank account and the contents of the business using the donations is included. In addition, the summary information includes target total amount information as target total amount information indicating the total amount of funds set in advance and cumulative donation amount information as total amount information indicating the total amount of transferred funds. It is. The summary information may include donation achievement level information indicating a degree of achievement that is a ratio of the accumulated amount of the current transfer amount to a preset total amount of the transfer amount.

  In detail, the transfer destination selection screen information generation unit 202 generates transfer destination selection screen information for classifying and displaying the summary information associated with the account name information for each transfer purpose information. Further, the transfer destination selection screen information generating means generates transfer destination selection screen information that allows the user to select a plurality of pieces of summary information in the terminal 10. Further, the transfer destination selection screen information generation unit 202 may generate transfer destination selection screen information for displaying detailed information in association with the summary information. In this case, the transfer destination selection screen information generation unit 202 may generate the transfer destination selection screen information including a script for displaying detailed information based on a predetermined operation of the user, for example.

  As described above, the transfer destination selection screen information generation unit 202 generates transfer destination selection screen information for displaying the outline information indicating the outline of how to use the transfer money and the detailed information indicating the details step by step in the terminal 10. You can also. Thus, for example, a user who knows how to use the transfer can select the transfer destination by displaying only the summary information, and a user who does not know how to use the transfer can display detailed information, Can be used in detail.

  The transfer destination selection screen information transmission unit 203 transmits the transfer destination selection screen information generated by the transfer destination selection screen information generation unit 202 to the terminal 10.

  The terminal control unit 102 (see FIG. 2) of the terminal 10 uses the transfer destination selection screen information displayed on the input / output unit 101 based on the transfer destination selection screen information received from the transfer acceptance system 20 to transfer the transfer destination account information. Control to classify and display for each information. Specifically, the terminal control unit 102 classifies the summary information for each transfer purpose information on the transfer destination selection screen among the transfer request screens displayed on the input / output unit 101 based on the received transfer destination selection screen information. Control the display.

  FIG. 5 is a diagram showing an example of a transfer destination selection screen displayed on the input / output unit 101 according to the embodiment of the present invention. In the example shown in FIG. 5, tabs with characters such as “medical”, “education”, and “reconstruction” are displayed on the transfer destination selection screen as transfer purposes based on the transfer purpose information. For each, summary information associated with each transfer purpose information is displayed in the transfer destination management DB (see FIG. 4). In the example shown in FIG. 5, in the “medical” tab, “XXX hospital reconstruction project”, which is summary information associated with the transfer purpose information “medical”, as in the transfer management DB shown in FIG. “Send medicine to YY town!” Is displayed. In the example shown in FIG. 5, the underline attached to “xxx hospital reconstruction project” indicates that the user is proceeding with the outline information, and “Let me send medicine to YY town!”. The black circle attached to the head indicates that the outline information has already been selected by the user. That is, the user can select a plurality of pieces of summary information on the transfer destination selection screen. In addition, on the transfer destination selection screen, as the summary information, a target donation total amount and accumulated donation amount such as “XXX Hospital Reconstruction Project” and “Let's send medicine to YY Town!” Are displayed. When any of the displayed summary information is selected and operated by the user, the terminal control unit 102 specifies the selected summary information as a transfer destination. Further, when a plurality of pieces of summary information are selected by the user's selection operation, the terminal control unit 102 identifies the plurality of pieces of summary information selected as a plurality of transfer destinations. In addition, a detailed button corresponding to each summary information is displayed on the transfer destination selection screen. When the detail button is operated by the user, the terminal control unit 102 displays detailed information associated with the summary information corresponding to the detail button.

  In addition, the terminal control unit 102 includes a transfer amount input field that can be input by the user, a transfer person name input field that can be input by the user, a return button that can be operated by the user, and a next button on the transfer destination selection screen. indicate. When the user operates the return button, the terminal control unit 102 changes the screen displayed on the input / output unit 101 from the transfer destination selection screen to the transfer request initial screen. In addition, when the user operates the next button, the terminal control unit 102 changes the screen displayed on the input / output unit 101 from the transfer destination selection screen to the transfer deferral approval screen.

  FIG. 6 is a diagram showing an example of a transfer deferral approval screen displayed on the input / output unit 101 according to the embodiment of the present invention. On the transfer deferral approval screen, the terminal control unit 102 displays the summary information selected by the user on the transfer destination selection screen (see FIG. 5) as a title, and the account name information associated with the summary information is used as the transfer destination. Display the transfer amount entered by the user on the transfer destination selection screen.

  In addition, the terminal control means 102 displays on the transfer deferral approval screen a request for the user to approve deferral of the transfer process, and a “do not accept” button and an “accept and complete procedure” button that the user can operate. And “Accept and search further” button. When the user does not accept the “Do Not Accept” button, the terminal control unit 102 changes the screen displayed on the input / output unit 101 from the transfer deferral approval screen to the transfer request initial screen (see FIG. 3). Further, when the user operates the “accept and complete the procedure” button, the terminal control unit 102 changes the screen displayed on the input / output unit 101 from the transfer deferral approval screen to a transfer procedure completion screen described later. . When the user operates the “Accept and search further” button, the screen displayed on the input / output unit 101 is changed from the transfer deferral approval screen to the transfer destination selection screen (see FIG. 5).

  FIG. 7 is a diagram showing an example of a transfer procedure completion screen displayed on the input / output unit 101 according to the embodiment of the present invention. The terminal control means 102 displays on the transfer procedure completion screen that the procedure has been completed and thank the user.

  Returning to FIG. 2, when the user presses the next button on the transfer deferral approval screen (see FIG. 6), the terminal control means 102 is an overview selected by the user on the transfer destination selection screen (see FIG. 5). The information, the transfer amount information input by the user, the transfer person information indicating the transfer person input by the user, and the transfer deferral approval information indicating that the transfer process deferral is approved are transmitted to the transfer acceptance system 20. Further, the terminal control unit 102 transmits a plurality of pieces of summary information to the transfer accepting system 20 based on selection of a plurality of pieces of summary information by the user in the input / output unit 101. The transfer request reception means 201 of the transfer reception system 20 receives the summary information, the transfer amount information, and the transfer person information transmitted from the terminal 10.

  The account number specifying unit 204 refers to the transfer destination management DB 210 (see FIG. 4) and specifies the account number information of the summary information received by the transfer request receiving unit 201. Further, the account number specifying means 204 specifies the account number information of the plurality of summary information received from the terminal control means 102 with reference to the transfer destination management DB 210. The transfer deferral approval acceptance unit 205 receives the transfer deferral approval information transmitted from the terminal 10.

  The transfer process request information generating unit 206 generates transfer process request information including the account number information specified by the account number specifying unit 204. Further, the transfer process request information generating unit 206 generates a plurality of transfer process request information including the account number information specified by the account number specifying unit 204. Moreover, the transfer process request information generation unit 206 generates transfer process request information further including the transfer deferral approval information received by the transfer deferral approval reception unit 205. More specifically, the transfer processing request information generating unit 206 includes transfer amount information and transfer person information received by the transfer request receiving unit 201, account number information specified by the account number specifying unit 204, and transfer deferral approval receiving unit 205. Transfer processing request information including the accepted transfer deferral approval information is generated.

  Moreover, the transfer process request information generation means 206, when the transfer request reception means 201 has not received the specific transfer request information from the terminal 10, the account number information indicating the account number input by the user in the terminal 10, and the transfer Transfer process request information including transfer amount information indicating the amount of money and transfer person information indicating the person of transfer is generated. That is, the transfer process request information generating unit 206 generates transfer process request information including transfer deferral approval information when the transfer request receiving unit 201 receives specific transfer request information from the terminal 10, and receives the specific transfer request information. If not, transfer processing request information that does not include transfer deferral approval information is generated.

  The transfer process request information transmission unit 207 transmits the transfer process request information generated by the transfer process request information generation unit 206 to the account system 30. The transfer process request information transmission unit 207 transmits a plurality of transfer process request information generated by the transfer process request information generation unit 206 to the account system 30.

  The accumulated amount calculation unit 208 uses the value of the transfer amount information received from the terminal control unit 102 as the accumulated amount associated with the account number information specified by the account number specifying unit 204 in the transfer destination management DB (see FIG. 4). Add to the value of the information.

  The accounting system 30 includes a transfer request information receiving unit 301, a transfer request information determination storage unit 302, a transfer process execution unit 303, and a transfer request storage database (hereinafter also referred to as a transfer request storage DB) 310.

  The transfer request information receiving unit 301 receives the transfer process request information transmitted from the transfer process request information transmitting unit 207 of the transfer acceptance system 20.

  The transfer request information determination storage unit 302 determines whether or not the transfer deferral approval information is included in the transfer processing request information received by the transfer request information receiving unit 301. If the transfer process request information includes transfer deferral approval information, the transfer request information determination storage unit 302 stores the transfer process request information in the transfer storage DB 40. On the other hand, the transfer request information determination storage unit 302 sequentially stores the transfer process request information in the transfer request storage DB 310 when the transfer deferral approval information is not included in the transfer process request information.

  The transfer process execution means 303 reads the transfer process request information from the transfer request storage DB 310, and executes a process of depositing the transfer destination account based on the transfer process request information. Further, the transfer process execution unit 303 reads the transfer process request information stored in the transfer accumulation DB 40 by, for example, batch processing when a predetermined cycle (for example, every day) or the load of the transfer process is relatively low, Based on the said transfer process request information, the process which deposits to the account of a transfer place is performed.

  Note that the functional blocks shown in FIG. 2 are merely examples, and one functional unit may be divided or a plurality of functional units may be configured as one functional unit. The number of terminals and each system is not limited to one, and a plurality of terminals may be used. Each functional unit is a computer (Central Processing Unit) incorporated in a terminal or each system, reads a computer program stored in a storage device such as a ROM (Read Only Memory) or a hard disk, and is executed by the CPU. A program reads and writes necessary data such as a table from a database (DB) stored in a storage device or a storage area on a memory, and in some cases, related hardware (for example, an input / output device, a display device, This is realized by controlling the communication interface device. In addition, the database (DB) in the embodiment of the present invention may be a commercial database, but it simply means a collection of tables and files, and the internal structure of the database itself does not matter.

  Next, the transfer destination list display process in the transfer destination list display system 1 according to the embodiment of the present invention will be described. FIG. 8 is a diagram illustrating a transfer destination list display process executed by the transfer destination list display system 1 according to the embodiment of the present invention.

  In step S <b> 1, the terminal control unit 102 of the terminal 10 performs control to display the transfer request initial screen on the input / output unit 101.

  In step S2, the terminal control means 102 of the terminal 10 determines whether or not the button displayed as donation transfer on the transfer request initial screen displayed on the input / output means 101 in step S1 is operated by the user. If the terminal control means 102 determines that the button (see FIG. 3) displayed as the deposit transfer has been operated, the process proceeds to step S3, and the button (see FIG. 3) displayed as the normal transfer is operated. If it is determined that the process has been performed, the process proceeds to step S10.

  In step S <b> 3, the terminal control unit 102 of the terminal 10 transmits specific transfer request information to the transfer acceptance system 20.

  In step S <b> 4, the transfer request receiving unit 201 of the transfer receiving system 20 receives specific transfer request information from the terminal control unit 102 of the terminal 10.

  In step S5, the transfer destination selection screen information generating unit 202 of the transfer receiving system 20 refers to the transfer destination management DB 210 (see FIG. 4) when the transfer request receiving unit 201 receives the specific transfer request information in step S4, and the terminal In Step 10, the transfer destination account information is classified and displayed for each transfer purpose information, and transfer destination selection screen information that allows the user to select a plurality of summary information is generated.

  In step S <b> 6, the transfer destination selection screen information transmission unit 203 of the transfer acceptance system 20 transmits the transfer destination selection screen information generated by the transfer destination selection screen information generation unit 202 in step S <b> 5 to the terminal 10.

  In step S7, the terminal control unit 102 of the terminal 10 transfers the summary information on the transfer destination selection screen (see FIG. 5) displayed on the input / output unit 101 based on the transfer destination selection screen information received from the transfer acceptance system 20. It performs control to classify and display for each gold purpose information.

  In step S8, the terminal control unit 102 of the terminal 10 determines that when the user operates the next button (see FIG. 5) on the transfer destination selection screen displayed in step S7, the input / output unit 101 The screen to be displayed is changed from the transfer destination selection screen to the transfer deferral approval screen (see FIG. 6).

  In step S9, the terminal control means 102 of the terminal 10 selects a transfer destination when the user operates the “accept and complete the procedure” button on the transfer deferral approval screen (see FIG. 6) displayed in step S8. One or more summary information selected by the user on the screen (see FIG. 5), the transfer amount information input by the user, the transfer person information indicating the transfer person input by the user, and the transfer deferral approval information Send to system 20. Note that the terminal control unit 102 of the terminal 10 returns the process to step S1 when, for example, the “do not accept” button is operated by the user on the transfer deferral approval screen (see FIG. 6), If the “search further” button is operated, the process returns to step S7.

  In step S <b> 10, the terminal control unit 102 of the terminal 10 transmits the account number information indicating the account number input by the user, the transfer amount information indicating the transfer amount, and the transfer person information indicating the transfer person to the transfer acceptance system 20.

  In step S11, the transfer request receiving means 201 of the transfer receiving system 20 transmits one or more outline information, transfer amount information and transfer person information transmitted from the terminal 10 in step S9, or transmitted from the terminal 10 in step S10. The received account number information, transfer amount information and transfer person information are received. In this step, the transfer deferral approval acceptance unit 205 of the transfer acceptance system 20 accepts the transfer deferral approval information transmitted from the terminal 10.

  In step S <b> 20, the transfer acceptance system 20 executes a transfer process in cooperation with the bill system 30. FIG. 9 is a diagram illustrating a transfer process executed by the transfer acceptance system 20 and the billing system 30 according to the embodiment of the present invention.

  In step S21, the account number specifying unit 204 of the transfer receiving system 20 refers to the transfer destination management DB 210 (see FIG. 4) and specifies the account number information of the summary information received by the transfer request receiving unit 201 in step S11. . In addition, when the transfer request receiving unit 201 receives a plurality of pieces of summary information from the terminal control unit 102 in step S11, the account number specifying unit 204 refers to the transfer destination management DB 210 and accounts for the plurality of pieces of summary information. Each number information is specified.

  In step S22, the transfer processing request information generating unit 206 of the transfer receiving system 20 includes the transfer amount information and the transfer person information received by the transfer request receiving unit 201 in step S11, and the account specified by the account number specifying unit 204 in step S21. The transfer processing request information including the number information and the transfer deferral approval information received by the transfer deferral approval receiving unit 205 in step S11 is generated. In addition, when the account number specifying unit 204 specifies the account number information of the plurality of summary information in step S21, the transfer process request information generating unit 206 respectively receives the plurality of transfer process request information including the account number information. Generate. Moreover, the transfer process request information generation means 206 is account number information which shows the account number which the user input in the terminal 10, when the transfer request reception means 201 has not received specific transfer request information from the terminal 10 in step S4. And transfer processing request information including the transfer amount information indicating the transfer amount and the transfer person information indicating the transfer person.

  In step S23, the transfer process request information transmission unit 207 of the transfer acceptance system 20 transmits the transfer process request information generated by the transfer process request information generation unit 206 in step S22 to the billing system 30. In addition, when the transfer process request information generating unit 206 generates a plurality of transfer process request information in step S22, the transfer process request information transmitting unit 207 sends the transfer process request information to the account system 30 respectively. Send.

  In step S24, the transfer request information receiving unit 301 of the accounting system 30 receives the transfer process request information transmitted from the transfer process request information transmitting unit 207 of the transfer acceptance system 20 in step S23.

  In step S25, the transfer request information determination accumulation unit 302 of the account system 30 determines whether or not the transfer deferral approval information is included in the transfer processing request information received by the transfer request information reception unit 301 in step S24. . If it is determined that the transfer deferral approval information is included, the transfer request information determination storage unit 302 moves the process to step S26, and if it determines that the transfer deferral approval information is not included, the process proceeds to step S27. Move.

  In step S26, the transfer request information determination accumulation unit 302 of the account system 30 stores the transfer process request information in the transfer accumulation DB 40. In step S <b> 27, the transfer request information determination accumulation unit 302 of the account system 30 sequentially stores the transfer process request information in the transfer request storage DB 310.

  In step S <b> 28, the transfer process execution unit 303 of the account system 30 reads the transfer process request information from the transfer request storage DB 310, and executes a process of depositing the transfer destination account based on the transfer process request information. Further, in this step, the transfer process execution means 303 reads the transfer process request information stored in the transfer accumulation DB 40 when the predetermined cycle or the transfer process load is relatively low, and based on the transfer process request information, Execute the process of depositing money into the bank account.

  In step S29, the accumulated amount calculation unit 208 of the transfer acceptance system 20 uses the transfer amount information received by the transfer request reception unit 201 in step S11 as the account number in step S21 in the transfer destination management DB (see FIG. 4). The value is added to the value of the accumulated amount information associated with the account number information specified by the specifying unit 204.

  As mentioned above, although this invention was demonstrated using embodiment, it cannot be overemphasized that the technical scope of this invention is not limited to the range as described in the said embodiment. It will be apparent to those skilled in the art that various modifications or improvements can be added to the above-described embodiments. Further, it is apparent from the scope of the claims that the embodiments added with such changes or improvements can be included in the technical scope of the present invention.

DESCRIPTION OF SYMBOLS 1 Transfer destination list display system 10 Terminal 101 Input / output means 102 Terminal control means 20 Transfer acceptance system 201 Transfer request reception means 202 Transfer destination selection screen information generation means 203 Transfer destination selection screen information transmission means 204 Account number specification means 205 Transfer deferred approval Accepting means 206 Transfer processing request information generating means 207 Transfer processing request information transmitting means 208 Cumulative amount calculating means 210 Transfer destination management DB
30 Account System 301 Transfer Request Information Receiving Unit 302 Transfer Request Information Determination Accumulating Unit 303 Transfer Process Executing Unit 310 Transfer Request Storage DB
40 Transfer accumulation DB

Claims (7)

A transfer destination list display system comprising: a terminal operated by a user; and a transfer acceptance system that is connected to the terminal via a network and receives a transfer request.
The transfer acceptance system is:
A transfer destination management storage means for storing a transfer destination account information that specifies a pre-registered transfer destination account in association with a transfer destination purpose information indicating a purpose of using a transfer amount transferred to the transfer destination account;
Transfer destination selection screen information generation means for generating transfer destination selection screen information for classifying and displaying the transfer destination account information for each transfer purpose information on the terminal with reference to the transfer destination management storage means ,
A transfer destination selection screen information transmitting means for transmitting the transfer destination selection screen information generated by the transfer destination selection screen information generating means to the terminal, and
The terminal
Display means for displaying a transfer request screen for receiving a transfer request;
Receiving the transfer destination selection screen information from the transfer acceptance system, and terminal control means for controlling the display of the display means, and
The terminal control means performs control to classify and display the transfer destination account information for each transfer purpose information on the transfer request screen based on the received transfer destination selection screen information. Destination list display system. The transfer destination account information stored in the transfer destination management storage means includes summary information indicating an outline of how to use the transfer money,
The transfer destination selection screen information generating means generates transfer destination selection screen information for displaying the summary information classified and displayed for each transfer purpose information in the terminal,
The terminal control means performs control for classifying and displaying the summary information for each of the transfer purpose information on the transfer request screen based on the received transfer destination selection screen information. Transfer list display system described in. An account system connected to the transfer acceptance system via a network and performing a transfer process based on the transfer process request information transmitted from the transfer acceptance system, further comprises:
The transfer destination management storage means stores, in the transfer destination account information, the summary information in association with account number information indicating the account number of the transfer destination,
The terminal further includes input means operable by a user,
The terminal control means transmits the summary information to the transfer acceptance system based on the summary information selected by the user in the input means,
The transfer acceptance system is:
With reference to the transfer destination management storage means, an account number specifying means for specifying the account number information of the summary information received from the terminal control means,
A transfer process request information generating unit for generating the transfer process request information including the account number information specified by the account number specifying unit;
The transfer destination list display according to claim 2, further comprising: a transfer processing request information transmitting unit that transmits the transfer processing request information generated by the transfer processing request information generating unit to the account system. system. The transfer acceptance system further comprises a transfer deferral approval receiving means for receiving transfer deferral approval information indicating that the deferral of the transfer process is approved by a user operation on the terminal,
The transfer process request information generating means generates the transfer process request information further including the transfer deferral approval information,
If the transfer processing request information includes the transfer deferral approval information, the billing system stores the transfer processing request information in a transfer storage unit that temporarily stores the transfer processing request information. The transfer destination list display system according to claim 3, wherein: The transfer destination selection screen information generating means generates the transfer destination selection screen information that allows the user to select a plurality of the summary information in the terminal,
The terminal control means transmits a plurality of the summary information to the transfer acceptance system based on a plurality of the summary information selected by the user in the input means,
The account number specifying means specifies the account number information of the plurality of summary information received from the terminal control means with reference to the transfer destination management storage means,
The transfer process request information generating unit generates a plurality of the transfer process request information including the account number information specified by the account number specifying unit,
5. The transfer according to claim 3, wherein the transfer process request information transmission unit transmits a plurality of the transfer process request information generated by the transfer process request information generation unit to the account system, respectively. Destination list display system. The summary information includes target total amount information indicating the total amount of the preset transfer amount and cumulative amount information indicating the total amount of the transferred amount,
The terminal control means transmits the transfer amount information indicating the amount of the transfer money input to the user by the input means to the transfer acceptance system,
In the transfer acceptance system, the accumulated amount information associated with the account number information specified by the account number specifying means in the transfer destination management storage means is the value of the transfer amount information received from the terminal control means. The transfer destination list display system according to any one of claims 3 to 5, further comprising a cumulative amount calculation means for adding to the value. A transfer destination list display method executed by a transfer destination list display system including a terminal operated by a user and a transfer acceptance system connected to the terminal via a network and receiving a transfer request,
The method executed by the transfer acceptance system is as follows:
Refer to the transfer destination management storage means for storing the transfer destination account information specifying the transfer destination account registered in advance in association with the transfer destination purpose information indicating the purpose of using the transfer amount transferred to the transfer destination account. In the terminal, a transfer destination selection screen information generation stage for generating transfer destination selection screen information for displaying the transfer destination account information classified and displayed for each transfer purpose information,
A transfer destination selection screen information transmission step for transmitting the transfer destination selection screen information generated in the transfer destination selection screen information generation step to the terminal, and
The method performed by the terminal is:
Receiving the transfer destination selection screen information from the transfer acceptance system, including a terminal control stage for controlling display of a display means for displaying a transfer request screen for receiving a transfer request;
The terminal control step performs control to classify and display the transfer destination account information for each transfer purpose information on the transfer request screen based on the received transfer destination selection screen information. Destination list display method.

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