JP2015097013A - Bank system, and method executed by the same - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a bank system and a method by which a dedicated transfer-destination account is cancelled after a transferring party having made a transfer to the dedicated transfer-destination account is determined to be a proper transferring party.SOLUTION: By a bank system, charging details data received from outside is stored; fund to be transferred to a first account is not deposited into the first account but is deposited into a second account; transferred money receipt details data, which is information on depositing into the second account accompanying deposit processing, is stored; the presence or absence, in a charging details DB, of charging details data addressed to the first account contained in transferred money receipt details data read out as processing of depositing into the second account satisfying preset conditions is determined, and if present, whether or not the charging details data can be reconciled is determined on the basis of whether or not mutually corresponding data items in the read-out transferred money receipt details data and the charging details data match; and the first account contained in the charging details data found reconcilable as a result of the determination is cancelled.

Description

  The present invention relates to a bank system and a method executed by the bank system. In more detail, the present invention is for a bank transfer system that cancels the account immediately so that no other wrong transfer enters the account if there is a transfer from the appropriate bank transfer to the bank account. The present invention relates to an immediate account cancellation system and method.

  Traditionally, as a mechanism to make daily payment verification work more efficient, an individual bank account number for each bank account is prepared for each billing party, and each bank account for each bank account is sent to each billing party. There is known a system in which a transfer is made using an account number to which a transfer person is assigned by assigning a number (see Patent Document 1 and Patent Document 2).

  In this system, as shown in FIG. 1, transfer is made from the payer of each billing destination to each account for transfer. For example, the transfer is performed from “Wakaku Satarou” to “Transfer-dedicated account 6000001”. The transferred funds are deposited into the deposit account of the billing source such as the company that sent the invoice by the transfer process after depositing into the deposit dedicated account 6000001 or without depositing into the deposit dedicated account 6000001. The FIG. 2 shows an example of transfer deposit details data of this deposit account. In this example, since the transfer-dedicated account number is added to each transfer payment details data, the charge details data stored in the billing source (company, etc.) and the transfer payment details data in the bank system are received. By using the transfer-dedicated account number as a matching key and matching, the payment verification work can be performed efficiently. The payment verification can be performed within the bank system by transmitting and receiving both data, or can be performed within the billing source system.

  In addition, there are transfers that are made continuously for a certain period of time, such as delivery of money due to transactions between companies, and transfers that are completed only once, such as delivery of money for mail order sales. It is known that there is.

  Furthermore, it is also known that a wrong transfer due to a difference in account number or the like occurs with a certain probability for the transfer. As a system for preventing such an erroneous transfer, in a configuration similar to the system described in Patent Documents 1 and 2, one-time when transfer to a one-time account and transfer to a main account are completed A system for closing an account and making it unusable is known (see Patent Document 3). Here, the transfer process refers to transferring funds from one account to another account.

Patent No. 3029421 Japanese Patent No. 3391353 Japanese Patent Laid-Open No. 2007-042080

  However, in the system disclosed in Patent Document 3, the one-time account is closed and cannot be used only under the condition that the transfer to the one-time account and the transfer process to the main account are completed. For this reason, if another transfer person accidentally transfers money to the corresponding one-time account before the appropriate transfer person makes the transfer, the appropriate transfer person cannot transfer to the one-time account. was there. In such a case, the transferor had to contact the company or bank that sent the invoice to be notified of the new account number or to re-use the account once closed.

  The present invention has been made in view of such problems, and it is determined whether or not the transfer person who has made the transfer to the account dedicated for transfer as shown in FIG. 1 is an appropriate transfer person. It is an object of the present invention to provide a system and method for immediate cancellation of a deposit-only account that cancels a deposit-dedicated account after making a determination by matching payment statement data and billing detail data received from a billing source.

  In order to solve the above problems, the bank system according to the present invention deposits a billing statement DB for storing billing statement data received from the outside and funds transferred to the first account into the first account. Transfer process for depositing in a second account related to the first account without transfer, and storing transfer deposit details data as deposit information to the second account associated with the deposit process in the deposit details DB In response to detecting that the deposit processing has been performed on the second account that satisfies a predetermined condition with a processing unit, the transfer deposit details data is read from the deposit details DB and the read Based on the account number of the first account included in the transfer payment details data, the information identifying whether or not the bill details data including the account number of the first account exists in the bill details DB. When there is billing specification data including the account number of the first account, each of the predetermined data item of the read transfer deposit details data and the corresponding data item of the billing specification data is Based on whether or not they match, it is determined whether or not the billing specification data can be erased, and the first account included in the billing specification data determined to be extinguished as a result of the judgment Account cancellation means for canceling the first account by setting an arbitrary value in the cancellation flag of the first account corresponding to the account number of the first account.

  The method according to the present invention is a method executed by a banking system, the banking system comprising a billing statement DB for storing billing statement data received from the outside, and the banking system includes a first account. Without depositing the funds transferred to the first account into the second account related to the first account, and with the deposit information to the second account accompanying the deposit process In response to detecting that the deposit processing has been performed on the second account that satisfies a predetermined condition, and storing the certain deposit details in the deposit details DB. The transfer deposit details data is read from the DB, and based on the account number of the first account included in the read transfer deposit details data, the account number of the first account is stored in the bill detail DB. A step of identifying whether there is billing statement data including a number, and when there is billing statement data including the account number of the first account, predetermined data of the read transfer deposit statement data It is determined whether or not the billing specification data can be erased based on whether or not the item and the corresponding data item of the billing specification data match each other. Canceling the first account by setting an arbitrary value in the cancellation flag of the first account corresponding to the account number of the first account included in the billing statement data. Features.

  According to the present invention, whether or not the transfer person who has made the transfer to the transfer-dedicated account is an appropriate transfer person, and whether or not the transfer amount is appropriate, the transfer deposit details data of the deposit account and the billing source After the determination is made by matching the billing details data received from the bank account, the account dedicated for transfer can be canceled (in other words, closed). For this reason, if another bank transferer mistakenly transfers money to the bank account for bank transfer before the bank account is transferred, the bank account cannot be transferred to the bank account for bank transfer. It is possible to eliminate the inconvenience. And the inconvenience that the transfer person has to contact the company or bank that sent the invoice to be notified of the new account number or to use the account once closed again can be eliminated. It becomes possible.

It is a figure explaining the mechanism for the payment collation work efficiency improvement which is a prior art. It is a figure which shows an example of the transfer deposit details data of a deposit account. It is a figure explaining the outline | summary of the relationship between the bank system which concerns on this invention, and the company which exchanges with a bank system, a customer, and a destination bank. It is a system configuration figure of the bank system concerning the present invention. It is a figure which shows an example of contract DB. It is a figure which shows an example of claim details data. It is a functional block diagram of the bank system concerning the present invention. It is a figure explaining the processing flow in the bank system concerning the present invention. It is a figure explaining the processing flow in the bank system concerning the present invention. It is a figure explaining the processing flow in the bank system concerning the present invention.

  Hereinafter, embodiments of the present invention will be described in detail. 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 is not deviated from the concept of the present invention. It should be noted that changes, additions, and deletions may be made to the embodiments disclosed in the document, and embodiments of such aspects are within the scope of the present invention.

  FIG. 3 is a diagram for explaining an overview of the relationship between the bank system 100 according to the present invention, and the company 110 (including the company system 111), the customer 120, and the destination bank 130 that interact with the bank system 100.

  The bank system 100 is provided with a system for improving the efficiency of the deposit verification work described with reference to FIGS. When the bank 120 performs the transfer made through the destination bank 130 using the account for bank transfer described in the invoice sent from the company 110, the bank system 100 deposits the account for bank transfer. Immediately deposit the funds to be charged into the deposit account of the billing source without depositing the funds to be transferred into the dedicated account for transfer. In FIG. 3, an arrow indicating funds (transfer) addressed to a dedicated account for transfer is shown as a dotted line at the location of the dedicated account for transfer, and a solid line from the dedicated account for transfer to the deposit account is This shows that the funds addressed to the dedicated account are immediately deposited into the depositing account of the billing source without being deposited into the dedicated account for transfer.

  The bank system 100 transmits / receives the account information and billing details data to / from the corporate system 111. Further, the bank system 100 makes an inquiry to the destination bank 130 when there is an error in the accepted transfer. A more detailed configuration of the bank system 100 will be described later.

  The company 110 and the customer 120 perform transactions such as sales and purchases of products. The company 110 transmits or sends an invoice to the customer 120 electronically or by a known means such as mail according to the contents of the transaction. The invoice includes the account information dedicated to transfer assigned to the customer 120. The account information dedicated for the transfer is transmitted from the bank system 100 to the company system 111.

  The company system 111 creates a bill to be transmitted / sent to the customer 120 based on the billing details data held in the own system. Further, the enterprise system 111 receives the bank transfer exclusive account information from the bank system 100 and transmits the billing details data to the bank system 100. As will be described later, the billing details data is stored in the bank system 100.

  The customer 120 makes a transfer through the destination bank 130 to the account number of the assigned dedicated account for transfer according to a well-known method. A destination bank is a bank that is a source of funds when there is a transfer of funds between two banks.

  FIG. 4 is a system configuration diagram of the bank system 100 according to the present invention. The bank system 100 includes a control unit 401, a main storage unit 402, an auxiliary storage unit 403, an I / F unit 404, and an output unit 405 that are connected to each other by a known bus 410 or the like, like a general computer. Further, the bank system 100 includes a transfer deposit details 406, a contract DB 407 and a billing details 408.

  The control unit 401 is also called a central processing unit (CPU), performs control of each component in the bank system 100 and calculation of data, and stores various programs stored in the auxiliary storage unit 403 into the main storage unit 402. To read and execute. The main storage unit 402 is also called a main memory, and stores various received data, computer-executable instructions, data after arithmetic processing by the instructions, and the like. The auxiliary storage unit 403 is a storage device typified by a hard disk (HDD) and is used when data and programs are stored for a long period of time.

  The I / F unit 404 serves as an interface for transmitting and receiving data to and from other systems and devices, and provides an interface for receiving various commands and input data (such as various masters and tables) from the system operator. To do. The output unit 405 outputs the processed data.

  The transfer receipt details 406 stores the transfer receipt details data of the transfer made to the deposit account of the company 110. As illustrated in FIG. 2, the transfer deposit details 406 includes information on a dedicated account number for transfer, a transfer person name, a transfer amount, a handling bank (that is, a destination bank), and a store name.

  The contract DB 407 is a customer database for storing contract information concluded with the company 110. In the bank system 100 according to the present invention, whether the bank account 100 according to the present invention immediately cancels a transfer-dedicated account under predetermined conditions. It has a flag indicating whether or not.

  FIG. 5 is a diagram illustrating an example of the contract DB 407. The contract DB 407 has a company code, a company name, an account number (corresponding to the deposit account in FIG. 1), a bank account number dedicated for transfer, and an immediate account cancellation flag. A company in which a predetermined value is set in the immediate account cancellation flag indicates whether or not the transfer person who made the transfer to the account dedicated for transfer in the bank system 100 is an appropriate transfer person. It is possible to use a function for closing a bank account for transfer after making a determination by matching transfer payment details data and billing details data received from a billing source such as the company 110.

  The billing details 408 is billing details data generated by the enterprise system 111 in accordance with the contents of the transaction between the enterprise 110 and the customer 120. The billing details data is transmitted from the enterprise system 111 to the banking system 100 and stored in the billing details 408 in the banking system 100.

  FIG. 6 is a diagram showing an example of the billing specification 408. In FIG. 6, the billing details 408 include a billing source (for example, company X), a billing destination (for example, company A), a billing amount, and an account number (that is, a transfer-dedicated account number assigned to the billing destination). However, it may be configured to include other information. For example, it is known that the transfer fee differs depending on the transfer to the bank or the transfer to another bank, and it is also known that the transfer may be made after deducting the fee at the time of transfer. For this reason, the billing specification 408 may be configured to have a flag indicating whether or not a difference between the billing amount and the actual transfer amount in consideration of the fee is allowed.

  FIG. 7 is a functional block diagram of the bank system 100 according to the present invention. The bank system 100 includes a transfer processing unit 701, a verification unit 702, an account cancellation unit 703, a destination bank inquiry unit 704, a transfer deposit details 406, a contract DB 407 and a billing details 408. Hereinafter, these functions will be described, but the transfer deposit details 406, the contract DB 407, and the billing details 408 are the same as those described with reference to FIG.

  The transfer processing unit 701 performs a process of depositing the funds transferred to the deposit-dedicated account into the deposit-dedicated account without depositing funds into the deposit-dedicated account, and generates transfer deposit details data of the deposit account. The generated transfer receipt details data is stored in the transfer receipt details 406. In addition, in this specification, the funds transferred to the dedicated account for transfer are mainly transferred without depositing into the dedicated account for transfer (that is, the payment details file of the dedicated account for transfer is not written). An embodiment for depositing money into an original deposit account will be described. Such an embodiment is a preferred embodiment from the viewpoint of the load on the system because the writing process to the deposit / withdrawal specification file and the reading process from the file do not occur.

  When the collation unit 702 detects that the deposit processing unit 701 performs a deposit process on the account number (deposit account in FIG. 1) in which a predetermined value is set in the immediate account cancellation flag of the contract DB 407, Data is read from each of the specification 406 and the billing specification 408, and it is determined whether there is matching data based on a predetermined matching key. The predetermined matching key is at least one of the account number dedicated for transfer and the name of the transfer person.

  In this specification, the data items to be verified by the verification unit 702 are three items of “transfer-dedicated account number, transfer person name, transfer amount” in the transfer payment details data and “account number, billing address, billing” in the billing details data. Data items of the three items “Amount”. In addition, since it is assumed that the transfer fee is deducted at the time of transfer, the matching unit 702 determines that the difference between the transfer fee and the data item of the transfer amount and the charged amount is the same. May be configured.

  The account cancellation unit 703 cancels the transfer-dedicated account corresponding to the account number included in the billing details data determined to be able to be cleared as a result of collating the transfer deposit details data to be processed and the set of billing details data. More specifically, the account cancellation unit 703 sets an arbitrary value in the cancellation flag of the transfer-dedicated account, thereby preventing transfer to the transfer-dedicated account number. By carrying out such a process, even if another transfer person mistakenly transfers money to the bank account for transfer before the appropriate transfer person makes the transfer, It will be possible to transfer to a dedicated account.

  In addition, the account cancellation unit 703 transmits to the company system 111 an application result file indicating which billing details data could be deleted. The transmission of the erase result file may be performed each time the erase process is performed, or may be performed collectively at a predetermined timing.

  The destination bank inquiry unit 704 makes an inquiry to the system of the destination bank 130 for information on the transfer person included in the transfer payment details data when the transfer person has mistakenly transferred the account to the account for transfer. Do.

  FIG. 8 is a diagram illustrating a processing flow executed in the bank system 100 according to the present invention. As a premise of this processing flow, as shown in FIG. 1, a mechanism for improving the efficiency of the payment verification work, that is, an account number of an individual account dedicated for transfer is prepared for each billing destination, It is assumed that a system for transferring money by using an account number assigned by a transfer person by assigning an individual account number dedicated for transfer to a bill to be sent first. Then, the bank prepares a transfer-dedicated account based on the request from the company 110 and provides it to the company 110 side. When a commercial transaction is established between the company 110 and the customer 120, the company 110 generates billing details data by the company system 111 and sends a bill to the customer 120. The invoice contains the name of the billing party, the billing amount, the name of the bank account to be transferred, and the account number dedicated to the bank transfer.

  In step S <b> 801, the bank system 100 receives the billing details data from the company system 111 and stores the received billing details data in the billing details 408.

  In step S <b> 802, the transfer processing unit 701 receives a transfer to a payee-dedicated account number based on the contents of an invoice sent to the customer 120. That is, the customer 120 transfers the amount described in the received invoice to the account number dedicated for transfer via the destination bank 130.

  In S <b> 803, the transfer processing unit 701 performs a process of depositing the funds to be transferred to the deposit dedicated account into the deposit account of the company 110 without depositing the funds to the deposit dedicated account. When funds enter the deposit account, the transfer processing unit 701 writes transfer deposit details data as shown in FIG. 2 into the deposit details 406 of the deposit account. In this specification, “payment processing” and “payment processing” mean that data indicating that funds have been deposited into an account is written in a deposit / withdrawal description file associated with the account.

  In S <b> 804, when the collation unit 702 detects that the deposit processing unit 701 has performed a deposit process on a deposit account in which a predetermined value is set in the immediate account cancellation flag of the contract DB 407, the transfer deposit details 406. To read the transfer deposit details of the deposit account one by one. The collation unit 702 reads out the billing details data from the billing details 408 using the transfer-dedicated account number included in the read transfer deposit details data as a matching key, and identifies whether there is matching account number data.

  When there is matching account number data, the collation unit 702 displays the data item “dedicated account number for transfer, transfer name, transfer amount” included in the transfer payment details data and the data item “account number” included in the billing details data. , Billing address, billing amount ”. Note that, as described above, the bank system 100 according to the present invention may be configured to determine that the difference between the transfer fee and the charged amount is the same for the transfer fee.

  In S805, bank system 100 determines whether or not the billing details data can be deleted based on whether or not each data item matches as a result of the collation. It should be noted that in the collation process in S804, when two or more sets of data having the same account number are extracted, and those in which all three of the above data items match are determined to be erased (however, In this case, contact the company 110 because there is a possibility of double transfer by an appropriate transfer person). If the account numbers match but differ in terms of name and amount, it is determined that the account cannot be erased.

  If it is determined in the determination that erasure is possible, the process proceeds to S806 in this processing flow. On the other hand, if it is determined that erasure is impossible, the process flow proceeds to the process flow shown in FIG. 9 or FIG. More specifically, the account number and the transfer person name were the same, but in the case where the transfer amount was different (amount difference), the process flow of FIG. 9 proceeded, while the account number and the transfer amount were the same. However, in the case where the transfer person name is different (name difference), the process proceeds to the processing flow of FIG.

  In step S806, the account cancellation unit 703 cancels the account dedicated for transfer corresponding to the account number included in the billing details data determined to be able to be cleared. More specifically, the account cancellation unit 703 sets an arbitrary value in the cancellation flag of the transfer-dedicated account, thereby preventing transfer to the transfer-dedicated account number. By carrying out such a process, even if another transfer person mistakenly transfers money to the bank account for transfer before the appropriate transfer person makes the transfer, It will be possible to transfer to a dedicated account. For this reason, in the system in Patent Document 3, it is necessary to contact the bill sender company to request reissuance of the account number, or to request the bank to reuse the account. There are inconveniences that must be obtained, but by using the present invention, these inconveniences can be solved.

  In step S <b> 807, the account cancellation unit 703 transmits to the company system 111 a revocation result file indicating which billing details data has been revoked.

  FIG. 9 is a processing flow diagram in the case where the account number and the transfer person name match as a result of the determination in S805, but the transfer amount is different. As described above, in the present invention, there is a case where there is a difference in the transfer fee with respect to the transfer amount and the charged amount. Therefore, the processing flow is targeted for a case where there is a difference in amount than the amount of the transfer fee.

  In S901, the collation unit 702 determines whether or not the transfer amount of the transfer receipt details data is larger than the charge amount of the billing details data. If the transfer amount of the transfer payment details data is larger than the charge amount of the invoice details data (that is, the case where the transfer amount is larger than the charge amount), the process proceeds to S902, whereas if the transfer amount is smaller (ie, the transfer amount is less than the charge amount) In this case, the destination bank inquiry unit 704 inquires the destination bank 130 about information relating to the transfer requester.

  In S902, the account cancellation unit 703 transmits the transfer deposit details data and the billing details data set to the company system 111, and whether or not the billing details data can be canceled in the case where the amount is more than the amount charged. To the enterprise system 111. When the account cancellation unit 703 receives from the company system 111 an instruction that can be deleted (including information on the account number of the billing details data), the account canceling unit 703 receives the account number corresponding to the account number included in the billing details data that is determined to be extinguished. Cancel the transfer account. More specifically, as described above, the account cancellation unit 703 disables the transfer to the account number dedicated for transfer by setting an arbitrary value in the cancellation flag of the account dedicated for transfer.

  In step S <b> 903, the account cancellation unit 703 transmits to the company system 111 a revocation result file indicating which billing details data has been revoked.

  FIG. 10 is a processing flow in the case where the account number and the transfer amount match as a result of the determination in S805, but the transfer person name is different. As will be described later, this case may actually include a case where account numbers are different.

  In S1001, the bank system 100 determines whether or not the name difference between the transfer person name included in the transfer payment details data and the billing name included in the request details data is acceptable for the application. For example, when the name difference is only a difference in a predetermined term such as “Kabushiki Kaisha” being “(Cub)”, the banking system 100 can allow the name difference to be applied. Judged to be within range. As a result of the determination, if it is determined that the value is within the allowable range, the process proceeds to S1002. On the other hand, if it is determined that the value is not within the allowable range, the process proceeds to S1004.

  In addition, regarding the difference between the predetermined terms, a table in which a predetermined conversion pattern is recorded is prepared in the system, and the bank system 100 refers to the table to eliminate the difference in name. It may be configured to determine whether it is within an acceptable range.

  In S1002, the account cancellation unit 703 transmits the transfer deposit details data and the billing details data set, which are different in name, to the enterprise system 111, and instructs the enterprise system 111 whether or not the billing details data can be deleted. 111. The instruction to enable / disable the erasure includes information on the account number of the billing details data.

  In the case of receiving an instruction that can be erased, the account canceling unit 703 cancels the account dedicated for transfer corresponding to the corresponding account number based on the received instruction that can be erased. More specifically, the account cancellation unit 703 sets an arbitrary value in the cancellation flag of the transfer-dedicated account, thereby preventing transfer to the transfer-dedicated account number. By carrying out such a process, even if another transfer person mistakenly transfers money to the account dedicated for transfer before the appropriate transfer person makes the transfer, You will be able to transfer money to your bank account.

  In S1003, the account cancellation unit 703 transmits to the company system 111 an application result file indicating which billing details data could be deleted.

  In S1004, collation unit 702 searches whether or not the transfer person name in the transfer deposit details data determined to have a different name exists in other billing details data. Note that the search does not use other items such as account numbers as matching keys. This is because the customer 120 may have made a mistake in the account number when making a transfer to the bank account dedicated for transfer.

  In step S1005, the collation unit 702 determines whether there is other billing specification data as a result of the search processing in step S1004. If it is determined that it exists, the process proceeds to S1006. On the other hand, if it is determined that it does not exist, the process proceeds to S1010. In step S <b> 1010, the destination bank inquiry unit 704 inquires the destination bank 130 about information regarding the transfer requester.

  In S1006, the account cancellation unit 703 refers to the transfer receipt details data determined to have a different name and other billing details data determined to exist, to inquire whether or not the other billing details data can be deleted. To the corporate system 111. After that, the account cancellation unit 703 receives an instruction from the corporate system 111 that indicates whether or not the account can be deleted.

  In S1007, bank system 100 determines whether the received instruction is erasable or not erasable. If it is determined that erasure is possible, the process proceeds to S1008. On the other hand, if it is determined that erasure is impossible, the process proceeds to S1011. In S <b> 1011, the destination bank inquiry unit 704 inquires the destination bank 130 for information regarding the transfer requester.

  In S1008, in the case of receiving a request for cancellation (including information on the account number of other billing details data determined to exist in S1005), the account cancellation unit 703 Based on the instructions, cancel the bank account dedicated to the corresponding bank number. More specifically, the account cancellation unit 703 sets an arbitrary value in the cancellation flag of the transfer-dedicated account, thereby preventing transfer to the transfer-dedicated account number. By carrying out such a process, even if another transfer person mistakenly transfers money to the account dedicated for transfer before the appropriate transfer person makes the transfer, You will be able to transfer money to your bank account.

  In step S <b> 1009, the account cancellation unit 703 transmits to the company system 111 a revocation result file indicating which billing details data has been revoked.

  Although the principle of the present invention has been described above with reference to exemplary embodiments, those skilled in the art will appreciate that various embodiments that change in configuration and details can be realized without departing from the spirit of the present invention. Will understand. That is, the present invention can take an embodiment as, for example, a system, apparatus, method, program, or storage medium.

DESCRIPTION OF SYMBOLS 100 Bank system 110 Company 111 Company system 120 Customer 130 Destination bank 401 Control part 402 Main memory part 403 Auxiliary memory part 404 Interface (I / F) part 405 Output part 406 Transfer payment details 407 Contract DB
408 Billing details 701 Transfer processing unit 702 Verification unit 703 Account cancellation unit 704 Destination bank inquiry unit

Claims (7)

A banking system,
A billing statement DB for storing billing statement data received from outside;
A deposit process for depositing funds transferred to the first account into a second account associated with the first account without depositing the funds into the first account is performed, and the second account associated with the deposit process is transferred to the second account. The transfer processing means for storing the transfer payment details data, which is the payment information of, in the transfer payment details DB;
In response to detecting that the deposit process has been performed on the second account that satisfies a predetermined condition, the transfer deposit details data is read from the deposit details DB, and the read deposit details data is read. And a first verification unit for identifying whether or not billing specification data including the account number of the first account exists in the billing specification DB based on the account number of the first account included in If there is billing statement data that includes the account number of the account, based on whether or not each of the predetermined data items of the read deposit details statement data and the corresponding data items of the billing statement data match, Collating means for determining whether the billing statement data can be erased; and
As a result of the determination, the first account is set by setting an arbitrary value in the cancellation flag of the first account corresponding to the account number of the first account included in the billing specification data determined to be erased. A bank system characterized by comprising: an account cancellation means for canceling the account. If it is determined by the verification unit that the billing details data is not reversible, the verification unit further determines whether the transfer amount of the read transfer receipt details data is greater than the amount charged of the billing data. Judgment,
When the transfer amount of the read transfer receipt details data is larger than the charge amount of the bill details data, the account cancellation means, the set of the read transfer details data and the bill details data of the bill details data. The first account corresponding to the account number included in the billing statement data determined to be erasable in response to receiving the instruction indicating that erasure is possible and sent to inquire whether erasure is possible The bank system according to claim 1, wherein the banking system is canceled. If it is determined by the verification means that the billing details data is not reversible, the bank system determines the difference between the transfer person name included in the read deposit details statement data and the billing address contained in the billing details data. Determine if the degree is acceptable for erasing,
As a result of the determination, when it is determined that it is within the allowable range, the account cancellation means refers to the read transfer deposit details data and the bill details data set to inquire whether or not the bill details data can be erased. The first account corresponding to the account number included in the billing statement data determined to be erasable is canceled in response to receiving the instruction indicating that the erasure is possible to send and The bank system according to claim 1.   The determination of whether or not the degree of difference between the transfer person name included in the read transfer deposit details data and the billing address included in the billing details data is acceptable to be applied is based on a predetermined conversion pattern. 4. The bank system according to claim 3, wherein the bank system is executed based on a stored table.   As a result of determining whether or not the degree of difference between the transfer person name included in the read transfer receipt details data and the billing address included in the billing details data is acceptable for the application, it is determined that it is not within the allowable range. If it is determined, the collation means searches whether or not the transfer person name in the read transfer deposit details data exists in other bill details data, and further determines whether other bill details data exists. The bank system according to claim 3.   When it is determined that other billing details data exists, the account cancellation means uses the read transfer deposit details data and the other billing details data to inquire whether or not the billing details data can be cleared. When receiving the instruction indicating that the other billing details data that has been transmitted and existed can be applied as a candidate for application corresponding to the read payment details data, the account cancellation means receives the received 6. The banking system according to claim 5, wherein the first account indicated by the other billing details data is canceled based on the instruction. A method implemented by a banking system,
The bank system includes a billing specification DB for storing billing specification data received from the outside, and the banking system includes:
A deposit process for depositing funds transferred to the first account into a second account associated with the first account without depositing the funds into the first account is performed, and the second account associated with the deposit process is transferred to the second account. Storing the transfer receipt details data, which is the receipt information of, in the deposit details DB,
In response to detecting that the deposit process has been performed on the second account that satisfies a predetermined condition, the deposit details data is read from the deposit details DB and the read deposit details are read out. Identifying whether billing statement data including the account number of the first account exists in the billing statement DB based on the account number of the first account included in the data, the first account If there is billing statement data that includes the account number of the account, based on whether or not each of the predetermined data items of the read deposit details statement data and the corresponding data items of the billing statement data match, Determining whether the billing statement data can be erased; and
As a result of the determination, the first account is set by setting an arbitrary value in the cancellation flag of the first account corresponding to the account number of the first account included in the billing specification data determined to be erased. And a step of canceling.

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