JP2015087947A - Method and device for scheduling money transfer - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a method and a device for scheduling money transfers for cash advances.SOLUTION: On a computer connected with member terminals and a financial institute system, when the amount to be billed to a member for a current month is determined, an amount available for a scheduled transfer service is calculated if the member is able to use the scheduled transfer service. When scheduled transfer request information including the amount of a scheduled transfer for a cash advance for the scheduled transfer service is received from a member's terminal, the request for the scheduled transfer service associated with the member is registered, the amount of the scheduled transfer is subtracted from the amount available to the member, and a reminding process prevention code is set for the member. When the result of an account transfer for the amount that has been billed to a member for a current month is received from the financial institute system, if the member has submitted a request for the scheduled transfer service, the loan of the scheduled amount is executed when the account transfer result indicates that the account transfer has failed, and the request for the scheduled transfer service that has been registered is cancelled and the available amount is recovered as it was by adding the scheduled amount to the available amount when the account transfer result indicates that the account transfer has been completed.

Description

  The present invention relates to a transfer reservation method and apparatus, and more particularly to a method and apparatus for enabling a transfer reservation for caching.

  Banks and other financial institutions provide an automatic overdraft service that provides automatic financing within the limits of a cashing loan framework that has been contracted in advance when the balance at the time of account transfer is insufficient. In order to use such an automatic overdraft service, the customer member must conclude a loan contract individually with the target financial institution or provide collateral such as a time deposit. When a customer member changes a financial institution, it is necessary to conclude a contract with the changed financial institution.

JP 2009-294484 A

  In such automatic overdraft, when there is a shortage of balance at the time of account transfer, an examination is made as to whether the balance shortage can be overdrafted. Therefore, it is possible that the amount to be financed (insufficient balance) at the time of account withdrawal may exceed the available limit, so it is not possible to know how much overdraft will be made in advance and the overdraft service will not be provided. There was a problem. On the other hand, if the customer himself / herself does not check the account balance and the planned withdrawal amount, it is impossible to know how much the loan will be financed, and the overdraft balance will increase without realizing it. In addition, with such services, the shortage of balance is automatically financed within the set limits, but overdraft is applicable only for direct debit at financial institutions that provide the service. Other than that, you will not be able to overdraft.

  In addition, as a prior art (for example, Patent Document 1), an additional credit can be provided regardless of a predetermined loan upper limit by examining a credit in progress when a shortage of balance occurs. is there. However, in Japanese Patent Laid-Open No. 2004-26883, since a credit shortage actually occurs and an additional loan is examined by examining the credit on the way, depending on the timing of the additional loan, an overdue due to the shortage of the balance may occur.

  Furthermore, credit card companies and financial institutions have a transfer service. However, with a normal transfer service, application for borrowing is required each time, and it is necessary to use the borrowing in consideration of the necessary amount. In addition, since the borrowing amount is transferred after the use examination is completed, there is a problem that it is not possible to borrow only when the withdrawal is impossible.

  The present invention has been made in view of such a problem, and its purpose is to provide a loan implementation method for performing a loan by a transfer reservation accepted in advance when an account transfer for the current month is impossible. And providing an apparatus.

  In order to achieve the above object, the method according to the first aspect of the present invention is a method executed on a computer connected to a member terminal and a financial institution system via a network, When the amount billed to the member for the current month is confirmed, the step of determining whether the member is an available member of the transfer reservation service, and the step of calculating the available frame of the transfer reservation service when the member is an available member of the transfer reservation service When the reservation application information including the cash transfer reservation amount of the transfer reservation service is received from the member's terminal, the reservation application for the transfer reservation service for the member is registered, and the reservation amount is subtracted from the member's available frame, The step of setting a dunning suppression code and the step of receiving the account transfer result of the amount billed to the member from the financial institution system for the current month When the member is a member who has applied for the transfer reservation service, if the account transfer result is not transferable, the loan of the reservation amount is executed, and if the account transfer result is the transfer completed, the registered transfer Canceling the reservation application for the reservation service, and returning the available space by adding the reserved amount to the available space.

  According to this configuration, it is possible to automatically execute a loan for the designated transfer reservation amount when the account transfer for the current month's charge cannot be made to members who have applied for the transfer reservation service. Thus, it becomes possible to avoid the occurrence of overdue due to the inability to transfer. On the other hand, when the account transfer of the current month is completed, the reservation application for the transfer reservation service is automatically canceled, so it is possible to avoid an increase in the borrowing balance due to unnecessary financing.

  The method according to another aspect of the present invention includes a step of receiving a retransfer result from a financial institution system when the account transfer result is not transferable, and a re-transfer when the member is a member who has applied for a transfer reservation service. If the transfer result is not transferable, cancel the dunning suppression code and execute the delinquency reminder process for the member. If the retransfer result is transfer complete, cancel the arrears record and notify the member's terminal of the transfer completion notification. And transmitting.

  If the first direct debit result is not transferable, the financial institution system automatically executes the retransfer at a predetermined timing, but according to this configuration, the loan is executed by applying for the transfer reservation service. If transfer becomes possible by retransfer, it becomes possible to avoid the occurrence of past due.

  In addition, the method according to yet another aspect of the present invention provides a method in which when a member is a member who has applied for a transfer reservation service and the account transfer result is not transferable, If you send a notification to the terminal that the loan for the reservation amount has been executed and the result of the account transfer is transfer completed, cancel the reservation application for the registered transfer reservation service, complete the account transfer, A step of sending a transfer completion notification indicating cancellation to the member's terminal, and if the member is a member who has not applied for the transfer reservation service, if the account transfer result is not transferable, execute the delinquency reminder processing for the member Further comprising the step of:

  According to this configuration, the member can be notified of the result of the account transfer for the current month's billing and the execution of the transfer reservation service for which the reservation application was made. It becomes possible to grasp appropriately.

  In the method according to the further aspect of the present invention, determining whether the member is a member who can use the transfer reservation service includes determining whether the member falls under a predetermined credit check item and transferring the transfer reservation service. One or more of determining whether or not a member application frame exists and determining whether or not a member's usage frame exists.

  In the determination of the predetermined credit check items, for example, whether or not the card has been canceled, whether or not the member qualification (qualification review check on the way credit due to the deterioration of the information and card usage status of external credit information agencies), annual income certificate, etc. It is possible to determine whether or not a check item such as whether or not there is a law suspension based on the required document submission status and whether or not there is a temporary use suspension period due to past due (for example, the latest six months).

  In the method according to a further aspect of the present invention, calculating the available frame includes calculating a total available frame for the total credit card of the member and a caching available frame for the cash frame of the member credit card. Calculating the total available space, and determining the smaller of the cash available space as the available space, and the total available space is calculated from the total credit card space and the balance of the shopping space. Calculated by subtracting the balance amount of the cashing frame and the balance amount of the cashing reservation, and the cashing available frame subtracts the cashing frame balance amount and the cashing reservation balance amount from the credit card cashing frame. Is calculated by

  The method according to a further aspect of the present invention includes a step of determining whether a member is a target member of the transfer reservation service after determining the amount billed to the member in the current month, and when the member is a target member of the transfer reservation service, And determining whether the member is a member of the transfer reservation service, further comprising the step of notifying the billing amount for the current month and sending information notifying that the application for the transfer reservation service is possible to the member's terminal. , Determining whether the member's settlement financial institution is a partner financial institution capable of performing the transfer reservation service.

  The present invention also relates to an apparatus and a program for executing the above method. Additional aspects and advantages of the present invention are described in the detailed description that follows.

  As described above, according to the present invention, a predetermined credit contract is provided on the condition that the member who has entered into the credit contract makes a loan when the account transfer for the current month is impossible. In order to accept a cash transfer reservation to a customer member settlement account in advance within the scope of the available credit limit, and to carry out a preset loan (cash transfer) if account transfer for billing this month becomes impossible, a new financial institution There is no need to conclude a cashing loan contract. As a result, it becomes possible to provide means for the customer member to “reducing the troublesomeness of confirming the settlement account” and “avoiding disadvantages in the event of arrears”. In addition, if the account transfer for the current month's billing is executed without any inadequacy, the cash transfer will be cancelled, so the loan balance will not increase unnecessarily. Credit companies also have the advantage of being able to control delinquency costs and reduce delinquency costs by providing financing when real demand for funds is needed (when transfers are no longer possible). is there. Furthermore, since the loan amount is fixed within the credit line at the time of reservation, the amount applied for the reservation when the withdrawal is impossible is reliably financed, so that necessary funds can be secured. On the other hand, since the reserved balance is subtracted from the usable frame, additional use beyond the predetermined credit frame becomes impossible and it is possible to prevent overuse.

It is a figure which shows the whole system environment concerning one Embodiment of this invention. It is a transition diagram which shows the application reception process of the cash transfer reservation service concerning one Embodiment of this invention. It is a transition diagram which shows the reflection process of the transfer result of the current month charge concerning one Embodiment of this invention. It is a transition diagram which shows the reflection process of the re-transfer result of the current month claim concerning one Embodiment of this invention. It is a flowchart which shows the determination process of the object member of the cash transfer reservation service concerning one Embodiment of this invention. It is a flowchart which shows the determination process of the member which can utilize the cash transfer reservation service concerning one Embodiment of this invention. It is a figure which shows the calculation method of the available frame concerning one Embodiment of this invention.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. In the following, description will be made in relation to a specific embodiment of the present invention, but the present invention is not limited to such a specific embodiment, and the present specification does not depart from the spirit of the present invention. It should be noted that changes, additions, and deletions may be made to the disclosed embodiments and such aspects are within the scope of the present invention.

  FIG. 1 is a diagram showing an overall system environment according to an embodiment of the present invention. The host 100 of the card company has an interface (I / F) unit 110, and is connected to the card member terminal 102 through the network 106 through the I / F unit 110. The member terminal 102 may be any terminal equipped with a web browser, such as a personal computer, a laptop device, a tablet terminal, or a smartphone. The host 100 is also connected to a system 104 of a financial institution such as a bank via the network 108. When the charge for the member's credit card is confirmed, the host 100 transmits account withdrawal request information to the financial institution system 104 and requests the account transfer of the charge amount of the card to the member's settlement account. When the withdrawal date arrives, the financial institution system 104 executes account transfer to the member's settlement account, and returns the transfer result to the host 100. If the result of the account transfer is not transferable, depending on the financial institution, the account transfer may be performed again at a predetermined timing. For example, after the first account transfer, retransfer is performed at a predetermined timing such as at night or the next morning on the same day of the withdrawal date. Also in such a case, after executing the retransfer, the financial institution system 104 can return the retransfer result to the host 100. Thereby, the card company can know whether or not the account transfer for the current month bill is completed.

  The host 100 further includes a processing unit 120 that executes various processes according to the present invention, a member information database 130 that stores member information, and a card use information database 140 that stores member credit card use information. The member information database 130 includes a member's credit card number, name, address, and settlement account information. When a member uses a credit card, usage information including the usage amount is stored in the card usage information database 140. The card usage information database 140 includes a total credit card membership frame, a shopping frame, and a cashing frame usage limit, a usage amount and a total usage balance of the shopping frame and the cashing frame, and a usable frame for each frame. And the reservation balance of the cashing transfer enabled by the present invention.

  FIG. 2 is a transition diagram showing an application acceptance process for a cash transfer reservation service according to an embodiment of the present invention.

  The process is started when the card company's host 100 determines the member's current bill amount in S200. In S202, the processing unit 120 of the host 100 identifies the account information of the member with reference to the member information database, and transmits the account withdrawal request information of the determined bill amount to the financial institution in which the member has a settlement account.

  In S <b> 204, the processing unit 120 refers to the member information database and determines whether the member is a member for a cash transfer reservation service. The process of determining whether or not the member is a target member of the cash transfer reservation service will be described in detail below with reference to FIG.

  When the member is not eligible for the transfer reservation service, the processing unit 120 creates a billing confirmation mail for notifying the billing confirmation in S206 and transmits it to the member terminal 102 via the I / F unit 110 in the same manner as the normal processing. To do.

  On the other hand, when the member is eligible for the transfer reservation service, the processing unit 120 creates a charge confirmation mail for notifying the confirmation of the charge and informing that a cashing loan transfer reservation application is possible in S208. The data is transmitted to the member terminal 102 via the / F unit 110.

  Next, in S210, when the member who has received the billing confirmation notification email inputs his / her ID and password from the member terminal 102 and logs in to the homepage of the card company, login information including the ID and password is hosted from the member terminal 102. 100 I / F units 110 are provided.

  When the login information is received, the processing unit 120 provides screen information of the billing amount guide page to the member terminal 102 via the I / F unit 110. At this time, the processing unit 120 performs a cash transfer reservation service in S212. It is determined whether the member is an available member. The process for determining whether or not the member is an available member of the cash transfer reservation service will be described in detail below with reference to FIG.

  When the logged-in member can use the cashing transfer reservation service, the processing unit 120 provides the member terminal 102 with screen information of a billing amount guide page including a reservation new application button that enables an application for a transfer reservation in S214. To do. The processing unit 120 can also display a reservation content confirmation button on the billing amount guide page so that a member who has applied for a cash transfer reservation service can confirm the reservation content. On the other hand, when the logged-in member is not a member of the transfer reservation service, the processing unit 120 displays the screen information of the normal billing amount guide page that does not include the reservation new application button and the reservation content confirmation button in S214. 102. When the member selects the reservation new application button from the billing amount guide page, reservation application agreement information is transmitted from the member terminal 102 to the processing unit 120. Alternatively, it may be configured to display a product explanation / contract guide page, etc., and request the consent of the member to the content of the contract.

  In S216, the processing unit 120 accesses the card usage information database, extracts the usage information of the member's credit card, and calculates the usable frame. The available slots include the total slots at the time of application, the available slots for shopping, and the available slots for cashing. The available frame can be calculated by subtracting the usage balance at the time of application from the credit card usage limit. The calculation of the available frame will be described in detail below with reference to FIG.

  Next, in S218, the processing unit 120 provides the application terminal information including the calculated usable frame information to the member terminal 102. The application screen information can include information on the member's settlement financial institution and a confirmed billing amount in addition to the information on the available space. The member terminal 102 can display a cash transfer reservation application screen based on the transmitted application screen information. Accordingly, the member can input a desired reservation amount for cash transfer within the cashing available frame with reference to the billed amount and the available frame for the current month. In addition, when a member inputs an amount exceeding the cashing usage frame as a reservation amount, an error message can be displayed.

  When the member inputs the reservation amount and presses the amount confirmation button to confirm the reservation application for the cashing loan, the reservation application information including the input reservation amount is transmitted from the member terminal 102 to the processing unit 120 in S220. Is done. In addition, on the application screen, the available frame after the transfer reservation application can be displayed at the same time. For example, when the member inputs the transfer reservation amount and presses the amount confirmation button, the usable frame after the application, that is, the usable frame obtained by subtracting the reservation amount can be displayed. In S222, the processing unit 120 registers a cash transfer reservation application, and subtracts the reservation balance from the available space. The subtraction process at the time of reservation application will be described in detail below with reference to FIG. The processing unit 120 can transmit an e-mail notifying the member terminal 102 that the application is completed after registering the application for the cash transfer reservation.

  Thereafter, in S224, the processing unit 120 performs a dunning temporary deterrence registration process for the member who has applied for a cash transfer reservation. For example, the processing unit 120 can temporarily suppress overdue reminders by setting a reminder prohibition code for the member's card use information. According to the present invention, even if the first account transfer is not transferable, if the transfer is completed by retransfer with a loan based on the reservation application for the subsequent cash transfer reservation service, the past due record is cancelled. This is because the delinquency reminder is not performed until the retransfer result is reflected. Therefore, the dunning temporary deterrence state is retained until, for example, the date when the result of retransfer is reflected.

  FIG. 3 is a transition diagram showing the reflection process of the transfer result of the current month bill according to the embodiment of the present invention.

  When the account withdrawal date for the current month billing for the member arrives, the financial institution transfers the billed amount from the member's settlement account. In S302, when receiving the account transfer result from the financial institution, the card company host 100 executes a process of reflecting the account transfer result in S304. For example, the processing unit 120 can add the account transfer result information to the member usage details information in the card usage information database.

  Next, in S306, the processing unit 120 determines whether or not it is a member who has applied for a cash transfer reservation service.

  If the member has not applied for the cash transfer reservation service and the account transfer result cannot be transferred, the processing unit 120 executes a normal overdue reminding process in S308. The delinquency reminder is performed, for example, by sending a document to the member or by calling. When the account transfer result is transfer completion, the processing unit 120 can also send a transfer completion notification to the member terminal 102.

  On the other hand, if the member has applied for the cash transfer reservation service, the processing unit 120 determines whether or not the member's account transfer has been executed in S310.

  If the result of the account transfer is OK (transfer complete), since there is no need to perform cash transfer, the processing unit 120 executes a reservation cancellation process in S312. The processing unit 120 returns the transfer reservation amount that has been subtracted by the reservation to the state before the transfer reservation by using the reservation available amount of the member (total amount and cashing available amount) by the reservation cancellation process. If the account transfer result is OK, the reservation for cashing transfer is canceled in this way, so that unnecessary financing can be avoided. Thereafter, the processing unit 120 creates an email notifying the result of the account transfer and transmits it to the member terminal 102 in S314. This email can also include a notification that the booking for cash transfer has been cancelled.

  When the result of the account transfer is NG (non-transferable), the processing unit 120 executes financing based on the cash transfer reservation in S316. Specifically, the processing unit 120 executes the loan by transferring the reservation amount designated at the time of the reservation application to the member's settlement account. In S318, when the processing unit 120 transmits, to the payment financial institution, transfer information for transferring money to the member's payment account, the transfer to the member's payment account is performed at the financial institution.

  Next, in S <b> 320, the processing unit 120 creates an email notifying that the loan has been executed based on the cash transfer reservation service, and transmits it to the member terminal 102. Optionally, this loan execution email can also include guidance on the withdrawal date. Usually, when account transfer is not possible on a predetermined withdrawal date due to a shortage of the balance of a settlement account, the financial institution executes retransfer at a predetermined timing. Depending on the financial institution, the transfer may be performed again (or more than once) on the same day of the withdrawal date, or may be transferred again on the next business day. In particular, when retransfer is not performed immediately during the same day or the next day of the withdrawal date, it is preferable to inform the member of the withdrawal date by a loan execution mail in order to inform the member of the withdrawal date.

  When the account transfer cannot be performed due to a shortage of the balance of the member's settlement account (for example, when the transfer result is NG in S310 of FIG. 3), the financial institution charges the member's settlement account for the current month at a predetermined timing. The account transfer is executed again, and the result of the retransfer is transmitted to the host 100 of the card company. If the member is a member who has applied for the cash transfer reservation service, if the initial account transfer result for the settlement account is NG, the specified reservation amount will be transferred to the member's settlement account after receiving the transfer result Therefore, it becomes possible to withdraw the billed amount by subsequent retransfer. Thereby, the settlement of the current month is completed without causing an overdue state.

  FIG. 4 is a transition diagram showing the reflection process of the retransfer result of the current month bill according to the embodiment of the present invention.

  When the financial institution executes retransfer to the member's settlement account, in S402, the retransfer result is transmitted from the financial institution system 104 to the host 100 of the card company. Next, the processing unit 120 of the host 100 executes processing for reflecting the retransfer result in S404. For example, the processing unit 120 can reflect the retransfer result information in the member credit card usage information in the card usage information database.

  Next, in S <b> 406, the processing unit 120 determines whether it is a member who has applied for a cash transfer reservation service.

  If the member who has not applied for the cash transfer reservation service and the retransfer result cannot be transferred, the processing unit 120 executes a normal overdue reminding process in S408. As described above, the delinquency reminder is performed, for example, by sending a reminder document to a member or by calling.

  On the other hand, if the member has applied for the cash transfer reservation service, the processing unit 120 determines whether or not the member retransfer has been executed in S410.

  If the result of the retransfer is OK (transfer complete), the processing unit 120 executes a past due record cancellation process in S412. This is because if the retransfer result is OK, the delinquency state for the member's billing in the current month has been resolved. Thereafter, the processing unit 120 creates an email notifying the result of the account transfer and transmits it to the member terminal 102 in S414.

  On the other hand, when the result of the retransfer is NG (transfer is impossible), the processing unit 120 cancels the dunning temporary suppression state in S416. By applying for a cash transfer reservation (for example, by the dunning temporary deterrence registration process in S224), the dunning is temporarily deterred. However, if the result of retransfer is NG, the reserved cash transfer is executed. Regardless, because it is overdue, it is necessary to conduct a regular reminder. For example, if the amount charged for the current month exceeds the amount paid for the deposit, or if the member withdraws the amount deposited after the deposit, the amount still charged will be withdrawn even though the reservation amount has been deposited into the settlement account. May not be possible. In such a case, for example, the processing unit 120 can remove the dunning prohibition code that has been loaded on the member usage details information and cancel the dunning temporary deterrence registration. Thereafter, in S418, a dunning process using a document or call is performed as usual.

  FIG. 5 is a flowchart showing target member determination processing of the cash transfer reservation service according to the embodiment of the present invention.

  In step S <b> 502, the processing unit 120 determines a member's calculation report sending category. For example, when accepting an application for a cash transfer reservation service on the Web and confirming the reception by e-mail, the target member of the cash transfer reservation service is changed to an e-mail sending member using a Web calculation (Web statement). It may be desirable to limit. In such a case, it is possible to control the transfer reservation service to be used only for members who use the Web calculation sheet, and not to the members who use the paper-based calculation sheet. Note that such control is an example, and members in an arbitrary calculation report sending category can be targeted according to needs and processing load.

  In S504, the processing unit 120 determines whether or not the member settlement financial institution identified in S200 is a partner financial institution capable of retransferring the current month bill. According to the present invention, since the cash transfer is executed after the transfer result of the normal billing for the current month has been made impossible to transfer, it is necessary to retransfer by the financial institution after the loan is executed by the cash transfer. Therefore, only when the member uses a partner financial institution that can re-transfer the bill for the current month as a settlement financial institution, the member is eligible for the cash transfer reservation service.

  When it is determined that the statement sending classification is a Web statement (S502), and it is determined that the member settlement financial institution is an affiliated financial institution capable of retransferring the current month bill (S504), the process proceeds to S506, and the member To notify that the cash transfer reservation service is available. For example, the member terminal 102 is notified of a billing confirmation e-mail including a cash transfer reservation service guide (S208). On the other hand, if it is determined that the statement sending category is a paper statement (S502), or if it is determined that the settlement financial institution is not a partner financial institution capable of retransferring the current month bill (S504), the process proceeds to S508. , Cashing reservation service is not available. In this case, a normal billing confirmation mail is notified to the member terminal 102 (S206).

  FIG. 6 is a flowchart showing a determination process of an available member of the cash transfer reservation service according to the embodiment of the present invention.

  In step S602, the processing unit 120 first performs a member's credit check. The processing unit 120, for example, depending on whether or not the card has been canceled, whether or not the member is qualified (external credit information agency information / qualification review check on the credit due to deterioration of the card usage status, etc.) It is determined whether or not the check items such as the presence / absence of the legal use suspension treatment and the presence / absence of the temporary use suspension period based on the past due (for example, the latest six months) are applicable. If any of the check items is applicable, the process proceeds to S610, and the application for the cash transfer reservation service can be disabled. In this case, screen information of a normal billing amount guide page not including the reservation new application button and the reservation content confirmation button is transmitted to the member terminal 102.

  Next, in S604, the processing unit 120 determines whether or not it is an application target period of the cash transfer reservation service. For example, the processing unit 120 determines whether the determination date is after a predetermined business day (for example, two business days) after the current month billing confirmation date (that is, the current month billing determination date <determination date < It is determined whether or not the settlement date is 2 business days. If it is not within the application target period, the process proceeds to S610, where the application for the cash transfer reservation service cannot be made.

  When it is within the application target period, the processing unit 120 determines whether or not there is a member's card usage frame in S606. The processing unit 120 determines that the member's caching usage frame remains (that is, the cashing usage frame> 0) and the member's current billing amount (that is, the current month's billing amount> 0). . If the member's cashing usage frame does not remain, or if there is no billing amount for the current month, the process proceeds to S610 and the application for the cashing transfer reservation service cannot be made.

  If the member's cashing usage limit remains and there is a billing amount for the current month, the process proceeds to S608, and the screen information on the billing amount guide page including a reservation new application button that enables a transfer reservation application is displayed. It is transmitted to the terminal 102.

  FIG. 7 is a diagram illustrating a method for calculating an available frame according to an embodiment of the present invention. (A) is the state before the reservation for cash transfer, (b) is the state at the time of reservation for cash transfer, (c) is the state where the charge for the current month is withdrawn and the cash transfer reservation is canceled, (d) is the current month The state where the charge cannot be withdrawn and the loan based on the cash transfer reservation is executed is shown.

  In this example, the total frame is 1 million yen, the shopping frame is 1 million yen, the cashing frame is 500,000 yen, the total frame balance is 600,000 yen, the shopping balance is 400,000 yen, the cashing balance is 200,000 yen, It is assumed that the amount billed this month is 100,000 yen (shopping 50,000 yen + cashing 50,000 yen). In this case, as shown in (a), before the reservation for cash transfer, the total available frame is 400,000 yen, the shopping available frame is 400,000 yen, and the caching available frame is 300,000 yen. It has become. Next, when the member designates a reservation amount of 100,000 yen in the cash transfer reservation service, as shown in (b), the total available frame is 300,000 yen and the shopping available frame is 30. Ten thousand yen, and the cashing available frame is 200,000 yen. In this case, the total available space is calculated as follows: (shopping balance + cashing balance + cashing reservation balance), and the shopping available space is “total available space” or “shopping space (shopping space-shopping space). (Balance)) "whichever is smaller. In addition, the caching available frame is determined by the smaller of “total available frame” or “caching available frame (caching frame−caching balance−cash reservation balance)”. If the account transfer is executed on the withdrawal date for the current month's charge (100,000 yen), the cash transfer reservation will be canceled, so as shown in (c), the cash reservation balance will be canceled and become "0" Requested 100,000 yen (shopping 50,000 yen + cashing 50,000 yen) is subtracted from each balance, and each available frame is recalculated. On the other hand, when account transfer is not possible on the withdrawal date of the current month's invoice, and the loan is executed based on the cash transfer reservation, as shown in (d), the loan amount of the executed cash transfer reservation is It is added to the balance. At this time, the requested 100,000 yen (shopping 50,000 yen + cashing 50,000 yen) is subtracted from each balance, but if it cannot be withdrawn by retransfer after the loan by cashing reservation, Managed.

100 Host 102 Member Terminal 104 Financial Institution System 106 Network 108 Network 110 Interface Unit 120 Processing Unit 130 Member Information Database 140 Card Usage Information Database

Claims (13)

In a computer connected to a member's terminal and financial institution system via a network,
Determining whether or not the member billed for the current month is a member who can use the transfer reservation service;
When the member is an available member of the transfer reservation service, a step of calculating an available frame of the transfer reservation service;
When receiving the reservation application information including the cash transfer reservation amount of the transfer reservation service from the terminal of the member, the reservation application for the transfer reservation service for the member is registered, and the reservation amount is subtracted from the member's available space, Creating a dunning suppression code for members;
Receiving from the financial institution system an account transfer result of the amount billed to the member for the current month;
When the member is a member who has applied for the transfer reservation service, if the account transfer result is not transferable, execute the loan of the reservation amount, and if the account transfer result is transfer complete, the registration Canceling the reservation application for the transfer reservation service and returning the usable frame by adding the reserved amount to the usable frame. If the direct debit result is not transferable,
Receiving a retransfer result from the financial institution system;
When the member is a member who has applied for the transfer reservation service, if the retransfer result is not transferable, the dunning suppression code is canceled by executing the arrears dunning process for the member, and the retransfer result is The method according to claim 1, further comprising: canceling a past due record and transmitting a transfer completion notification to the member's terminal when the transfer is completed. When the member is a member who has applied for the transfer reservation service, if the account transfer result is not transferable, the loan for the reservation amount is executed after the loan for the reservation amount is executed. If the account transfer result is transfer completed, after canceling the registered transfer reservation service reservation application, the account transfer completed and the transfer completion notification indicating that the reservation application was canceled Sending to the member's terminal;
The method according to claim 1, further comprising: when the member is a member who has not applied for a transfer reservation service, and when the result of the account transfer is not transferable, executing a delinquency prompting process for the member. Determining whether the member is an available member of the transfer reservation service,
Determining whether the member falls under a predetermined credit check item;
Determining whether it is the application target period of the transfer reservation service;
The method of claim 1, comprising one or more of: determining whether a membership usage slot exists. Calculating the available space is
Calculating a total available frame for the total credit card of the member;
Calculating a cashing available frame for the member's credit card cashing frame;
And determining the smaller of the total available space and the caching available space as the available space, and the total available space is determined from the total space of the credit card, Calculated by subtracting the balance of the cashing frame and the balance of the cashing reservation, and the cashing available frame subtracts the cashing frame balance and the cashing reservation balance from the credit card cashing frame. The method according to claim 1, wherein the method is calculated by: Determining whether or not the member is a target member of a transfer reservation service after the amount billed in the month for the member is determined;
When the member is a member eligible for the transfer reservation service, the method further includes: notifying the billing amount for the current month and transmitting information notifying that the application for the transfer reservation service is possible to the member's terminal; The determination of whether or not the member is a target member of the transfer reservation service includes determining whether or not the member's settlement financial institution is a partner financial institution capable of performing the transfer reservation service. The method of claim 1. Connected to the member's terminal and financial institution system via the network,
Means for determining whether the member is an available member of the transfer reservation service when the amount billed to the member for the current month is confirmed;
Means for calculating an available frame for the transfer reservation service when the member is an available member of the transfer reservation service;
When receiving the reservation application information including the cash transfer reservation amount of the transfer reservation service from the terminal of the member, the reservation application for the transfer reservation service for the member is registered, and the reservation amount is subtracted from the member's available space, A means to set a dunning suppression code for members;
Means for receiving from the financial institution system an account transfer result of the amount billed to the member for the current month;
When the member is a member who has applied for the transfer reservation service, if the account transfer result is not transferable, execute the loan of the reservation amount, and if the account transfer result is transfer complete, the registration An apparatus comprising: means for canceling a reservation application for the transfer reservation service and returning the usable frame by adding the reserved amount to the usable frame. If the direct debit result is not transferable,
Means for receiving a retransfer result from the financial institution system;
When the member is a member who has applied for the transfer reservation service, if the retransfer result is not transferable, the dunning suppression code is canceled by executing the arrears dunning process for the member, and the retransfer result is The apparatus according to claim 7, further comprising means for canceling a past due record and transmitting a transfer completion notice to the member terminal when the transfer is completed. When the member is a member who has applied for the transfer reservation service, if the account transfer result is not transferable, the loan for the reservation amount is executed after the loan for the reservation amount is executed. If the account transfer result is transfer completed, after canceling the registered transfer reservation service reservation application, the account transfer completed and the transfer completion notification indicating that the reservation application was canceled Means for transmitting to the terminal of the member;
8. The apparatus according to claim 7, further comprising: means for executing a delinquency prompting process for the member when the account transfer result is not transferable when the member is a member who has not applied for a transfer reservation service. The device described in 1. Determining whether the member is an available member of the transfer reservation service,
Determining whether the member falls under a predetermined credit check item;
Determining whether it is the application target period of the transfer reservation service;
The apparatus according to claim 7, comprising one or more of: determining whether a member usage slot exists. Calculating the available space is
Calculating a total available frame for the total credit card of the member;
Calculating a cashing available frame for the member's credit card cashing frame;
And determining the smaller of the total available space and the caching available space as the available space, and the total available space is determined from the total space of the credit card, Calculated by subtracting the balance of the cashing frame and the balance of the cashing reservation, and the cashing available frame subtracts the cashing frame balance and the cashing reservation balance from the credit card cashing frame. The apparatus according to claim 7, wherein the apparatus is calculated by: Means for determining whether or not the member is a target member of a transfer reservation service after the amount billed in the month for the member is determined;
And a means for notifying the billing amount for the current month when the member is a member of the transfer reservation service and transmitting information notifying that the application for the transfer reservation service is possible to the member's terminal, The determination of whether or not the member is a target member of the transfer reservation service includes determining whether or not the member's settlement financial institution is a partner financial institution capable of performing the transfer reservation service. The apparatus according to claim 7. To the computer connected to the member's terminal and financial institution system via the network,
Determining whether or not the member billed for the current month is a member who can use the transfer reservation service;
When the member is an available member of the transfer reservation service, a step of calculating an available frame of the transfer reservation service;
When receiving the reservation application information including the cash transfer reservation amount of the transfer reservation service from the terminal of the member, the reservation application for the transfer reservation service for the member is registered, and the reservation amount is subtracted from the member's available space, Creating a dunning suppression code for members;
Receiving from the financial institution system an account transfer result of the amount billed to the member for the current month;
When the member is a member who has applied for the transfer reservation service, if the account transfer result is not transferable, execute the loan of the reservation amount, and if the account transfer result is transfer complete, the registration Canceling the reservation application for the transfer reservation service and returning the usable frame by adding the reserved amount to the usable frame, and causing a computer program to be executed.

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